#We have until the 10th of may to choose whether we accept the offer
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damiemontclair · 2 years ago
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Me at my fellow munch organisers: hey guys we got an offer for our csd stall, but I'm only signing if one of us can actually be there bc its my name on the contract and I will not let it be run by volunteers who aren't part of our organisation and I cannot be responsible for it from abroad. We need an answer by the 10th.
The chat:
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Sign-Ups are Open!
Sign ups for the Spectre Requisitions exchange are now open and you may sign up from January 27th to February 10th. You must fill out at least three unique requests and three unique offers. (Requests and offers do not necessarily have to be the same!).
Important links:
Sign-up Form
Nominated Relationships Spreadsheet
View and search requests in the app
Countdown Timer
A couple of reminders:
Treats are now considered OPT-IN. "Treats" are works that are given to you that are not your main assignment. To opt-in to treats, you will need to enable treats on Ao3 AND declare you are open to being treated. If you do NOT specify treat preferences, we will assume you do not want to receive any treats!
To enable treats: Go to “My Dashboard” on your Ao3 account, select “Preferences” from the sidebar, scroll down to “Collections, Challenges and Gifts,” and make sure that the “Allow Anyone to Gift Me Works” box is checked.
You can use the following template in your sign-up box to state your treat preferences if you would like: Open to Treats: Yes / No Open to Treat types: Fanart, Fanfiction Open to Multi-recip treats: Yes / No If you are open to all types of treats, you can simply say "Treats welcome!"
There is a RATINGS box for sign-ups! The box is not mandatory and non-binding but will help with determining who is or is not interested in smut. If you are open to potentially creating or receiving smut, SELECT the "Explicit" option for that offer/request. Please note that this is NOT a guarantee that you will be matched, in either direction, with someone who has opted into smut; and even if you do match in that manner, you're not obligated to create smut (nor are they obligated to create smut for you).
NOW THAT SAID: SIGN UP! SIGN UP! SIGN-UP! CLICK HERE TO SIGN-UP!
You can go back and edit your Sign-Up Form up until February 10th, 8:00PM EST.
How Do I Sign Up? Instructions beneath the cut:
1) Go to the Sign Up Form at AO3.
2) Start writing in the name of your favorite character/pairing from the nominations. Don’t forget to check the spreadsheet if you need inspiration!
3) The box should start to autofill your pairing as you type (if it doesn’t, that is a known Ao3 bug, and if you type it exactly as it is in the tagset, it will accept it). Select your pairing of choice. You can choose two pairings per request, and may have ten requests total.
The two requests do not need to be related; it is simply a way to try to get around the Ao3 restriction of only having 10 sign-up boxes.
4) Decide whether you would like to potentially receive fanart or fanfic, or both. Check the applicable box(es).
5) The RATINGS box on each request indicates whether or not you are open to receiving smut. The box is not mandatory and non-binding but will help with determining who is or is not interested in smut. Please CHECK the "Explicit" box if you want to receive smut; and leave it unchecked if you do not want to receive smut.
6) In the "Description" box, you MUST include: -Any Do Not Wants (DNWs) for the requested relationship(s). We cannot enforce DNWs that are not contained in your Ao3 signup. -Whether you are opting in to treats or not. If you are opting in, you must say which kind of treats you are open to receiving. If you do NOT specify treat preferences, we will assume you do not want to receive any treats!
You can use the following template to state your treat preferences:
Open to Treats: Yes / No Open to Treat types: Fanart, Fanfiction Open to Multi-recip treats: Yes / No
If you are open to all types of treats, you can simply say "Treats welcome!"
You MAY include: -Prompts, general likes/dislikes -- this is used to help your assigned creator know what sort of gift you would most like to receive!
7) Repeat between 3-10 times, as you like!
8) You may write a letter that goes more in-depth and post it to your tumblr, dreamwidth, public google doc, or another platform, and then fill in the URL in the letter box.
9) Fill out your offers. You must fill out at least three unique pairings you would be okay with writing and can choose one or two pairings to fill in per request.
10) The ratings box on each offer indicates whether or not you are open to receiving smut. The box is not mandatory and non-binding but will help with determining who is or is not interested in smut. Please CHECK the "Explicit" box if you want to create smut; and leave it unchecked if you do not want to create smut.
A BIG WARNING ABOUT USING ‘ANY PAIRINGS’: You may choose to offer ANY, but this means you could be matched to ANYONE who has signed up for the archive. Exchange participants beware of this, do NOT pick Any Pairings if you are not up for a challenge!
The only limits we will allow on "any" requests by are the following parameters:
the category of relationship, eg Gen, F/F, F/M, M/M, Multi, or Other: you will get a sign up with at least one request of the chosen category. Can be combined with setting.
the game setting: at least one request will be set in Trilogy or Andromeda, depending or your pick; this can be combined with the above, e.g. "Any trilogy Multi" or "Any Andromeda F/F"
ANY Protagonist Shepard pairing: At least one pairing will feature a Commander Shepard (this restriction will not match Hannah Shepard or Clone Shepard.) You may combine this with a relationship category, e.g., "any Female Shepard F/F".
ANY Protagonist Ryder pairing: You will be matched with a sign up featuring at least one sign-up with a Ryder character (this request will not match Alec Ryder or Ellen Ryder requests). You may combine this with a relationship category, e.g., "any Male Ryder M/M".
No other limits may be selected so chose this CAREFULLY.
11) In the notes, please include any notes for the mods that might help the mods in matching you. For example: "I won't write varren fighting" or "Please do not match me to Councilor Udina". These notes are confidential between the mods and you, and are not shared with your match (or anyone else). You don't have to give reasons; just letting us know what your boundaries are is enough for us to hopefully better match you, and we don't share any information given with other people.
12) Click submit! And welcome to the Mass Effect Spectre Requisitions Rare Pair Exchange!
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yusufalkaysanibingo · 3 years ago
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Welcome to the Yusuf al-Kaysani Bingo!
July 10th to September 17th, 2021
Mission Statement:
In light of recent events (including but not limited to the Netflix Italia promos last month for Pride excluding Joe's character, as well as the sidelining of Joe's character in the Tales Through Time comics), we believe it's time to start advertising a Joe-centric Event that has been in the works for a while.
The Event will launch Saturday July 10th and continue to Friday September 17th, and will consist of a Joe-centric Bingo meant to offer fellow fans the chance to explore different facets of the character. While explicit fic that centres Joe's pleasure and feelings is encouraged, the aim of the Bingo is to devote time to his character as a whole.
For more general information on how a Fandom Bingo Event operates, please consult this Fanlore article.
The Rules:
1. Each participant will request a Bingo Card that can be either 2x2 (four prompts in total) or 3x3 (nine prompts in total) with a prompt from this list in each square. To request a Bingo Card, each participant will need to fill in a Google Form which will go live at the start of the Event. Participants will then create a fanwork for each prompt. This can be fic, art, fanvids, graphics, meta, etc. All types of works are accepted!
2. All works must focus on Joe's character. If he is written/depicted as part of a ship (whether Kaysanova or otherwise), his inner life, feelings, pleasure, etc. must be the focal point of the fanwork. Any ships (couples, multi or poly) are accepted. Any ratings are accepted. For fics, any length/word count is accepted.
3. Once participants fill the entirety of the Bingo Card, they will be featured on the Blog as having successfully filled their Card and they may request another (the same size or a different size) by filling in the same Form with the same contact information as before.
4. In order to be featured on the Blog, please tag us in your posts and they will be reblogged here. At the end of the Event, a Masterlist of all successful Bingo participants will be posted.
5. Participants may interpret the prompts they are given in any way they choose, so long as the fanworks produced are Joe-centric. Creative interpretation is not only allowed but encouraged. The purpose of the Event is to break out of the confines of some of the rigid tropes assigned to Joe and/or to bring more thoughtfulness to the content created for/about him.
6. Participants may use works that they have already started creating, but may not use works that they have already posted/started posting. The purpose of this Event is to yield brand new content.
7. There is no time limit on finishing Bingo fills, but no more Cards will be issued after September 17th, 2021. Furthermore, we will continue reblogging finished Bingo Cards and tagged posts until October 31st, 2021, for any stragglers interested in completing their Cards.
8. Participants may start posting content created for the Bingo once they receive their Cards. For fics posted to AO3, the Collection is here.
Feel free to contact us with any questions here on Tumblr through an ask or DMs, or at yusufalkaysanibingo [AT] gmail [DOT] com.
No trolling will be allowed! This Event is created in good faith and we expect everyone involved to act accordingly. As such, the AO3 Collection is moderated to ensure that all works are well-intentioned. If you have any doubts about the content you are creating, please do not hesitate to reach out.
(Our gratitude and thanks to @geraskeferbingo for permission to adapt their rules.)
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a-paragon-of-their-kind · 4 years ago
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SIGN UPS ARE LIVE RIGHT NOW. We will be accepting sign ups until September 30th at 8:00pm EST. 
Important Links:
Sign Up Form
Requests Summary
Tag Set
Nominations Spreadsheet
Requests Spreadsheet
If you are interested in signing up for the exchange, follow these three simple steps:
Go to the Sign Up form on AO3 (you will need to be logged into AO3, if you need an AO3 account please message us here) 
Fill it out (detailed instructions below). Please put at least one relationship in each of the three fields, but you may put three relationships in each field and add a fourth to give 12 requests and 12 offers.
You may choose Any as your offer. Because this is an option, we asked people to please select which categories (F/F, M/F, M/M, Gen, Multi, Other) they fill comfortable writing. All people must choose at least one of these in their offerings but they will only be counted when matching people who select Any.
Sign-ups end on September 30th at 8:00pm EST. Matches will be received no later than October 1st 8:00pm EST
How to Sign Up
The Request Boxes
Upon opening the form you will have three boxes. You may, at the bottom of the request section, add a fourth. You may put three relationships in each box, up to a grand total of 12. You must request and offer at least three relationships.
Relationships: Please put at least one relationship in each box and up to three. AO3 will suggest approved pairing in the tag set. If your pairing does NOT autofill - this is a known AO3 bug. Please enter your relationship as it appears in the tag set.
Additional Tags: Please choose fanfiction, fanart, or both.
Letter: You may link to a letter or document on Tumblr, Google Docs, Dreamwidth, or anywhere that goes into detail about what you’d like to see or gives extra information about any OCs you’d like to see in the work. This is not required.
Description: Anything that is VITALLY important for your request needs to go in this box because this is the only portion the moderators can guarantee your match can access. Please include general likes and dislikes, preferred content ratings, and Do Not Wants (DNWs). The DNWs MUST be listed, they are the only thing your match is asked to follow to the letter. If you have any ideas for the pairing or prompts, please feel free to put them in this box as well. Please do not kink-shame or state you have a preference for one pairing above the others.
The Offer Boxes
Upon opening the form you will have three boxes. You may, at the bottom of the request section, add a fourth. You may put three relationships in each box, up to a grand total of 12. You must request and offer at least three relationships.
Relationships: Please put at least one relationship in each box and up to three. AO3 will suggest approved pairing in the tag set. If your pairing does NOT autofill - this is a known AO3 bug. Please enter your relationship as it appears in the tag set. You may also choose to offer for ANY relationship in the tag set.
Additional Tags: Please choose whether you will create fanfiction, fanart, or both.
Categories: This field is PRIMARILY used to assist in the “any” matching, but all offers must include it. Please choose whether you’re offering to write Gen, F/M, F/F, M/M, Multi, or Other. Whatever you put in the relationship box supersedes this, but if you’re choosing Any as your offer you may narrow it down via these categories ONLY.
Comments for Mods: Please use this to inform the moderators of anything you do not want to create or that you prefer to create. The DNWs are VERY IMPORTANT to make sure everyone has a good time. You will not be matched to an assignment that is all DNW prompts. Also, if there is a participant you do not want matched to, please inform us of this here. This field is confidential and will only be seen by the moderators.
Your assignment will include at least one match between your offer and the other person’s request, but you may not match on all of them. You are also not beholden to complete the request you matched on, although you must complete at least one of the requests. IE: You offered Female Brosca/Zevran, but see the participant also requested Blackwall/Female Cadash and decide to do that one instead even if you did not offer it. You are asked to incorporate the prompts/likes if possible, but you MUST respect the DNWs listed.
Assignments are due November 10th at 8:00pm EST.
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illegalastrology111 · 5 years ago
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KARMA FILES - SuXXess 2020 - MONEY & POWER
CANCER
MONEY: With Uranus in Taurus affecting your house of hopes and wishes until July 78th 2025, your aspirations and ideas are going to change without a doubt.  Some of these changes will come from outside sources/events that occur, “forcing” you  have a different perspective towards your path to success.   The Full Moon/Lunar Eclipse in your sign on January 10th was sign of things to come, highlighting the end of the old you/ how you present Self to the world, facilitating an internal/external makeover.   Learning to keep emotions balanced and developing a thicker skin.
Your house of good luck, expansion, opportunity and higher learning is the focus of Neptune in Pisces until March 31st 2025, Harvest full Moon in Pisces, September 2nd and Mercury retrograde in Pisces February 16th - March 5th.  These transits are a call from the Universe to take off the rose-colored glasses  and see life in its reality, not the vision you have created, that isn’ quite what is going on at all.   It won’t be easy to do this but very necessary if you’re to avoid, disappointment created by others and Self, because of giving qualities too people who are incapable of being that type of person.    Mercury retrograde in Pisces, will bring back situations from the past to remind you of this fact.  
Saturn moving into Aquarius March 21st - July 1st initially, will reside in your house of joint financial partnerships, karma, the past, legacies, debts and secrete enemies.    Financial problems from the past may come back to haunt you in order for resolution to take place.   The most important thing is take responsibility and lear the lesson the Universe is trying to show you.   If you’re in a partnership with friends/acquaintances, you may find that they don’t really have your best interests at heart which would mean, eventually you have to part company.  This will allow new people, hopefully, individuals who truly support you, to take their place.    When Saturn retrogrades in Aquarius, May 11th - July 1st, things may seem really difficult to get off the ground, but that’s because the weaknesses previously mentioned haven’t been resolved. Saturn in Aquarius cycle is about you trusting your instincts and counsel and developing greater self-worth to go it alone if necessary, acknowledging the talents that make you special.
Saturn goes back into Capricorn July 2nd - December 17th, December 18th - March 8th 2023, Saturn moves permanently into Aquarius, so you’ll have plenty of time to do what needs to be done.   Mercury retrograde Aquarius, March 5th - 10th, will bring people form the past and issues unexpectedly for youth deal with.
Jupiter will join Saturn in Aquarius December 20th 2020 - May 14th 2021.  This will be the time when all your hard work will start to pay-off, assuming you’ve been moving forward with the Universe and working on personal issues at the same time.
The Full Moon/Lunar Eclipse in Sagittarius, June 5th, may bring about a change of employment, or at least the kind of work you’ve been doing up to this point.   The turret is, you can do better, but for this too happen a “leap of faith” is needed, to get you out of your employment comfort zone.   A new health regimen wouldn’t be a bad idea either, you’ll have more energy at your disposal during the day. The New Moon Solar Eclipse in Sagittarius December 14th, opens the door of opportunity to expand with your knowledge/experience in the area of work.  Offers that you receive will reflect this and you should give them serious consideration.  A chance to serve others and Self at the same time.
POWER: Mars will be in our house of career, goals, ambition, authority and power, June 29th 2020 - January 7th 2021l.  Throughout this cycle the urge to push forward with new career goals will be strong and the desire for independence/freedom to express your executive ability even stronger. You’ll also be filed with the strength and motivation to withstand competition from others.   However, when Mars retrogrades in Aries, September 9th - November 13th, frustration will get the better of you, because of not being able to get as forward as you would have liked/hoped.   This is just temporary. the key to success and achievement, is to do the best you possibly can, exercising consistent perseverance.   At the same time, if you’re involved with being in the public eye, be mindful of how they’ll perceive your words and actions.
Your main power will come from developing the spiritual side of Self, especially with Venus in Gemini resting in this house April 9th - August 8th.  This particular transit is about building a stronger deeper relationship with Self, through meditation and similar modalities.  Especially during Venus retrograde,  May 13th - June 25th.   A a result you’ll become internally stronger, more empowered and be to meet life challenges.
This is a year of tremendous growth for Cancer, a chance to become a stronger force in the world and in your own life.
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KARMA FILE
When you feel drawn to a particular line of work, creative skill or study this year it’s because in the past you had exceptional gifts in that particular area, experienced great happiness and success.    It is your choice,  whether you choose to follow the path from a particular lifetime. You and you alone will know, if once again you can achieve the success/fulfillment of the past.   But, yes, the past holds the key to your future.
LEO
MONEY: The Full Moon/Super Moon in Virgo March 9th, affects your house of money material possessions and self-worth. If you’ve been demonstrating tact, tolerance and kindness to others where money, career, ambitions, authority/power are concerned , implementing new structures that are helpful to all not just yourself, doors will close and new more prosperous ones will open.  However, if the opposite has been the case, your status could be affected, bringing criticism from others.  
The house of karma, joint financial partnerships, secret enemies and the past is another area of be aware of.  Neptune in Pisces  is in the is house until March 31st 2025, joined by Mercury in Pisces, February 4th - April 11th, followed by the Harvest Full Moon i Pisces, September 2nd.  All this Pisces activity, is a way for the Universe to bring to your attention the concept of Cause and Affect.  You seem to have blind-spot in this area of life, perhaps thinking that there are no consequences for a person’s actions.  Well, during this cycle especially when the retrogrades occur, Neptune in Pisces, June 23rd - November 28th,  Mercury in Pisces, February 16th - March 5th, situations will manifest to show you that in actually  fact that situations form the past/people can come back to haunt you. The lesson here is to satay on the right side of Natural Law as much as possible, at least, if you want to make life easier and less stressful, when it can be avoided.   Watch out for people and their undermining influence.
The other area of life to be concerned about is work, health, service to others and Self.  This house is being maintained by Capricorn.  Saturn in Capricorn, December 20th 2017 - March 21st 2020, July 2nd - December 17th, Pluto in Capricorn,  December 27th 2008 - January 22nd 2024.  All this activity indicates that there will be an employment upheaval at some point during these cycles. Major changes that will affect finances and status in life, hopefully for the best   Pluto and Saturn together are about uprooting very stagnant situations that do not serve the needs of you or others and can actually create a great deal of negativity, if a person is unaware of what is happening or lacking in self-awareness would be a better way to describe things.   Jupiter being intros house too “shines a light’ on all the strengths/weaknesses that need to be looked, in order for positive outcomes to manifest.  
Throughout this cycle, health will be an issue.  Stress, overwork, increasing responsibilities, limitations with diet need to be addressed and not left unchecked  Overindulgence is not an option.  Energy levels will be drained if you go down that path.   Ultimately, you also have to accept the fact that there limitations and obstacles that are beyond your control, things that can’t be easily fixed if al all.
POWER: With Uranus in Taurus until July 7th 2025, your status in the world is definitely going to change whether you like it or not.  How this change manifests in your life really depends on the way you’ve been operating up to this point and throughout the transit.  Uranus is the unexpected and tends to cause sudden events to happen that shake and remove stagnant situations that aren’t positive or karmically correct. If you stubbornly hold onto to what you believe is yours or deserve, the Universe will make the decision for you.  Pay attention when Uranus retrogrades this year, August 25th - January 14th 202!.  Events that occur during this time will be an indication of whether or not you’re moving in the right direction.
The Nodes of the Moon changes signs May 6th, South Node to Sagittarius, North Node to Gemini.   The South Node sits in your house of creativity, happiness, risk and childhood.   There are so  many things you’ve learned growing up that influence how you interact with others and present Self to the world, that not longer serve a viable purpose or present you in the most positive light.  It’s time to broaden your life perspective, interact w with different kinds of people and try to be less judgmental,  people might then respond to you differently than they do currently.  
With Gemini in your house of groups, friends, hopes and wishes, once you’ve acquired new knowledge, brought new people into your life, current hopes and wishes will change.   This is how you get out of current stagnation in certain areas of life.    If you become too fixated on your own opinion and all the things you learned growing up, life will leave you behind, because theUniverse is constantly growing/expanding and we, as humans, are supposed to do the same.  this is the way to accomplish goals and achieve happiness.  Venus will be in Gemini, April 4th - August 8th, a time for added emphasis on how you interact with groups of people and friends.  Ask yourself if you’re really all on the same wavelength?   Venus retrograde, May 13th - June 25th, will be a time for retreat, spending more time on building a better relationship with Self and reassessing hopes/wishes, that may have seemed like a good idea sometime ago, but not now.  
2020 is going to be a very challenging year for Leo when it comes to Money and Power.   Leo loves to be the center of attention and in control.  However, the Universe will bring to your attention the concept of boundaries and being more aware of how your actions affect others.   If you’re open to learning these lessons, 2020 will be a year of personal achievement and a different more positive view of life in general.
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KARMA FILE
There have been instances in past lifetimes, where you have not exerted kindness to others, to the degree of causing shame/humiliation.  In the present, this behavior has produced certain debilitating habits that are hard to break, combined with deep feelings of guilt, unhappiness and self-depreciation.    If you can begin a spiritual path of some kind, that involves positive affirmation of Self, in that, you are a kind loving human being, deserving of happiness/success and wiling to help others who need your assistance, you will find, over time, the necessary healing will occur.
VIRGO
MONEY: The Full Moon/Super Moon in virgo march 9th, marks the end of the way you serve others, how you present Self to the world and the world sees you.  Criticisms that people may have had in the past begin to fall away, as they see you in a new light.   By the time the next Full Moon/Super Moon occurs, a month later, April 7th,  financial partnerships will also be on the “chopping block”., especially if it involves working away from home and/or with people of other cultures.    New opportunities will present themselves to take their place and yo must not fear expansion of horizons out of your comfort zone.  
The New Noon/Solar Eclipse in Cancer,  June 21st, presents an offer connected. to pr, tv, marketing and/or social media. If you’e been working towards gaining more recognition, this could be for chance.   It could be from the past, because Mercury in Cancer will be retrograde at the same time, June 18th -  July 10th.   Remember to not sign any documents or agree to anything without discernment.  If you’re ok with using the offer a temporary stepping stone, it might still work out for the best in the end.  Watch out for difficulties and delays.
Uranus in Taurus, March 7th 2019 -  July 7th 2025, highlights the house of expansion, good luck, higher consciousness, travel, other cultures and beliefs.   Uranus in this house is a sign that your prosperity consciousness needs to be changed, if you want to increase finances.  Much broader persecutive is needed and a stronger sense of self-worth, self-confidence, if you want to present your ideas on a public level.
Saturn moves out of Capricorn briefly March 21st - July 1st, into your house of work, service to self/others and health.   This is a cycle about building a solid structure that serves your needs and ability to demonstrate unique talents, something healthier than the employment you’ve been dong for sometime (Saturn).  Structure is the key. It must be strong, in order to support your goals.  Saturn retrogrades in Aquarius May 11th -  July1st, before it moves back into Capricorn for the last time.
When Jupiter moves into Aquarius, December 20th - May 14th 2021, all the structure building and personal work you’ve been doing will begin to pay off in the area of work.    However, you must pay attention to health. Weight gain is likely (Jupiter being expansion). affects the diet, eating habits,  which could  cause health problems because of over-indulgence.   During this Jupiter cycle in the house of work , travel and increased monetary reward is very likely.
Mars moves into Aries and your house of joint financial partnerships, karma, the past legacies and debts (karmic and monetary), secret enemies and all things hidden., June 29th - January 7th 2021.   As a result there may well be conflict over joint finances, legacies etc, that resurface from the past, especially when Mars retrogrades,  September 9th - November 13th.   If you’re assertive enough to meet the issues that arise head-on, without too  much conflict, you’ll avoid creating enemies.  Although, it may come to light that there are certain individuals who don’t have your best interests at heart and have been undermining projects, plans and ideas for some time.
Everything you do now to increase finances will pay-off in the long-term, especially when Jupiter moves into your house of work.  Therefore, don’t give up or get too despondent when you hit blocks or barriers, time will resolve all.
POWER: The Planetary Nodes of the Moon will be shifting May 6th, South Node will be in Sagittarius, highlighting karma that needs to be overcome, the North Node will be in Gemini -  the goal/persona to be reached.  These Nodes affect everyone from microcosm to macrocosm.  If you have Sagittarius or Gemini prominently placed in a birth chart the affect is even greater.  
Sagittarius represents the truths that have to be faced and overcome/verbalized in order to have a broader view of life, understanding your life purpose, the “lessons” you came her to learn and overcome.   Having onto old beliefs and ideologies will keep you stagnant, especially those brought forward form home/family experiences.   With Gemini in the North Node, allow yourself to be happy in the growth process, taking the best of your childhood experiences, creativity and talent, then shaping them into something special.   If you can do this and transform your ideas and ambitions into a format that can be communicated to others with simple clarity, you’ll have the formula for personal success and recognition.  
The Full Moon/Lunar Eclipse in Sagittarius June 5th, will bring to a close an aspect of the home, family, foundation of life, that is n’t necessary helpful to growth, expansion or prosperity.   You would have seen the signs prior to this aspect, so pay  attention and be ready for when it happens, because this is the beginning of a cycle of major changes in your life.   By the New Moon/Solar Eclipse December 14th, the void left by the Lunar Eclipse will start to be refilled with new things.   A major opportunity to rebuild will present itself before the year is over and you’l have a glimpse of what can now be accomplished.
When Venus enters Gemini, April 4th - August 8th, pay extra attention to appearance, because the sign will be in your house of career, goals, ambition, authority and power.  People who can help you www be watching the way you engage with others.  When Venus retrogrades, May 14th - June 25th, go back an rethink presentation, there’s still work to be done, in order to attract more opportunities into your life. Avoid starting any new partnerships or financial projects doing the retrograde cycle.
With Pluto, Saturn and Jupiter all in Capricorn at this time, the Universe is trying to help you let go past experiences growing up, that have been debilitating landholding you back, causing obstacles, difficulties and all sort of problems affecting happiness.   Fear, insecurity and doubt occur when you’re presented with taking risks that would solve many negative scenarios and prevent you getting involved in situations/people that bring sorrow/self-undoing.    You don’t have to continue being your own worst enemy.  Let go and allow the universe to be your guide
The retrogrades of Pluto in Capricorn, April 25th - October 4th and Saturn in Capricorn, July 2nd - September 29th, will be the time when you’ll be confronted with fear, insecurity, difficulties and delays.  If you tread carefully, realizing retrogrades are for internal growth, restructuring, transformation and regeneration (things of the Phoenix symbol), you’ll breeze through the retrograde season with flying colors.  
In 2020, Virgo has the capacity to begin building and empire of success, if you trust the Universe to be your guide.
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KARMA FILE
The healing needed in various areas of your life can be accomplished using physical methods, mental and spiritual methods combined. In previous incarnations, you felt let down by spiritual teachers who promised the world.    Now there is a resistance to commit to any type of ongoing spiritual practice wholeheartedly. If you only apply the physical methods, healing will be limited and temporary.   Throughout 2020, try to integrate the other two modalities, to complete the process.   Faith, in the fact that we are spiritual beings having a human experience, not the other way around, will help you understand why it’s important to include a spiritual practice in your efforts to bring balance to various areas of life.    Repeated affirmation that is not positive will bring imbalance.    Each cell of the body is a Universe within itself and responds to every thought, word and deed.  If there is dis-ease contained within thought, word and deed, with significant force behind it, disease can manifest physically.   Your mind is far more powerful than you realize and what you think/say has a tremendous affect on your life, more than you realize.  Therefore, use it to spread Light within you and your life.
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ears-awake-eyes-opened · 6 years ago
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Taking personal responsibility
I recognize and acknowledge that I was thinking critically about, writing critically about, and intentionally withdrawing from my relationship with N for weeks before she discarded me.
Looking back on my own words between August 10th (the day I realized I needed to withdraw) and September 9th (the day she blocked me), I can see how she could have FELT criticized. The criticism I felt, however, was toward myself for adoring her and wanting her, despite (or more accurately BECAUSE of) her emotional unavailability, intermittent reinforcement, and charm. I can also see how she might have felt shamed and abandoned. Shaming and abandonment were not my intentions.
My intention was to be fully realistic with myself so I would hopefully listen to my own sense of reason and hopefully stop wanting more than I could have with her. I can see how she both misunderstood and understood my intentions.
I’m not sure yet what apology to send out to the universe beyond the incomplete one I already gave her, which was “I’m sorry you felt dishonored by my words. Dishonoring you would never be my intention.” I’ll be reflecting on an apology that would feel more complete and responsible to me.
I recognize and acknowledge that I was the one to end the relationship (having decided to not see her for an undetermined/indefinite period of time) even though I had not yet communicated that clearly to her (and might not have ever been comfortable communicating that clearly if she hadn’t discarded me).
It is my intention to add to this post as I recognize more about my own responsibility in and for the ending of that relationship.
All this said, I realize that me accepting responsibility for my part is the cocreation of that unhealthy relationship dynamic does not excuse the fact that her words in the end were dismissive and her action (blocking without explanation) was abusive, whether or not abuse was her intention. Would she say the same about my words and actions in the end? Perhaps. I acknowledge that she might.
Accepting responsibility for my part also does not change the fact that she manipulated me throughout the duration of our relationship, whether or not manipulation was her intention.
In the end, I somehow managed to prioritize my health over my love for her and over my obsession with her. By divine grace, I managed to do this even as my body cried and screamed for her. Unfortunately I couldn’t find a way to prioritize my health AND stay in relationship with her, because there wasn’t a way to be found. Throughout that relationship I was reenacting trauma, and maybe she was too. My apology will include that.
That re-enactment is done. She discarded me by divine grace. By divine grace I recognized the discard as abuse, and I called a permanent ending. By divine grace, I’m coming to see my own responsibility in that dynamic and its end.
By divine grace, I will love her forever, even as the limerence ends and the trauma heals. I feel no animosity toward her. And at the same time, I recognize that I can’t allow her to touch me again and I can’t be in relationship with that chaos 🌪.
Addendum: Shame
I feel shame about not clearly communicating my feelings and needs in the relationship. I recognize I tried, and my attempts were met with various forms of resistance. The first time I made the request, it took her 5 weeks to find time to meet with me. Then she tried to overwrite my reality and explain away the intensities I expressed to her (limerence, agitation, fear) as religious experiences rather than a problem within the relationship dynamic. That overwriting my reality with her own explanation/understanding happened on a few occasions (each time I expressed those feelings). The trouble was I didn’t fully understand what was going on until September (i.e. trauma re-enactment). I couldn’t make sense of my reality, let alone explain it to her.
I feel shame about not communicating to her that her empty promises (“over-promising” as she later called it) needed to stop. If I had set this boundary back in April when I first realized that most of her promises were empty ones, this might have changed the course of the relationship. That said, my limerence at that point was intense (because of my inner response to her charming behaviors including the false promises). I suspected that if I told her that I needed reliability and asked her to please only make plans with me if she knew she could follow through, then the result of that conversation would be her never making plans with me, and me never seeing her. I recognized the chaos in her life and the limits of her capacity.
I feel shame about withdrawing to an extent from the relationship in August without communicating my intentions. Those intentions were to not interact with her Facebook and not see her until I could figure out how to shift my feelings for her and get off the emotional roller coaster of flying-certain-uncertain-impossible-deflated). I recognize that communicating those intentions and the reason I needed to withdraw, might have changed the course of the relationship.
That said, I did try to explain myself in a note to her on my birthday, and she didn’t have the capacity to hear what I was saying. She took the note as a criticism of her rather than the open vulnerability with which it was intended. Despite recognizing her lack of capacity for understanding and her overwhelm with her own life, I feel shame that I wasn’t able to communicate my intentions clearly. I could have stated directly that I wasn’t going to be interacting with her anymore and why. But I didn’t. I really didn’t want that to be true. If I told her, that would make it true.
I feel shame about expressing on Facebook some of the insights that I acquired in that birthday communication with her. Even though I said nothing about her, even though her account was deactivated at the time, even though freely expressing my insights was exactly what I used my Facebook for, I still feel shame about this because she was upset when she saw those posts later. She felt criticized and dishonored. I made those posts for ME. It was important to me to express the truth of my understanding. I could have expressed my insights directly to her. If I had done so, that might have changed the course of the relationship.
That said, I didn’t want to express them to her. I recognized she didn’t have the capacity to hear them. I had already bared my soul to her on my birthday, and she didn’t acknowledge my experience nor did she even wish me happy birthday. I already understood at that point that she didn’t have the capacity to meet my basic needs in friendship and that we wanted different things, i.e. there was a lack of compatibly of needs. I was already understanding that the relationship was over by MY choice. Posting those insights solidified my understanding. Her discard cemented my understanding.
I feel shame about my unwillingness to “mend” the relationship in the future and shame about communicating that to her (that communication upset her such that she immediately blocked me again). I knew expressing that would upset her. I did it anyway to communicate my boundary, and draw a permanent end to the relationship. The bottom line is I don’t want to repair a relationship with someone who manipulated and abused me, even if those weren’t her intentions. I don’t want to repair a relationship that held a toxicity for me from the beginning. I don’t want to repair a relationship that was a trauma re-enactment rather than a friendship. I don’t want to repair a relationship with someone I experience to be a narcissist.
I feel shame that I kept seeing her once I recognized the relationship dynamic was unhealthy and I recognized I was experiencing trauma in the relationship. I understand the addictiveness was a function of the toxic dynamic/attachment trauma.
I recognize in each moment of that relationship I did the best I could at the time. I tried as best as I could to balance compassion for her with my own needs. In the end my needs finally came first.
The relationship revealed to me that I had been experiencing trauma re-enactment, not just with her, but in past relationships and behaviors as well. It revealed my CPTSD. It revealed how my attraction to manipulation (i.e. charm, emotional unavailability, and intermittent reinforcement) stems from relational trauma in my early life attachments, especially with my mom. Through that relationship with N, I came to embrace and celebrate my sexuality, whatever it may be. That relationship set me on a path to choose to grow a conscious understanding of God.
That relationship came into my life through divine grace. It was full of divine grace. And it ended through divine grace. That understanding eases my feelings of shame for not doing it perfectly and not being able to “make it work.”
I send this apology out into the universe. Perhaps I’ll be able to offer it in person someday.
Dear N,
I’m reaching out to apologize for contributing to suffering with my words and actions. I know you’re busy with the important work of your life. This message is here if ever you have time and desire to read it. There is no need to respond if you don’t wish to respond. I don’t want any more time to pass before offering you my sincere apologies.
I’m sorry the insights I expressed on Facebook had the effect of you feeling criticized. My intentions were to reflect, think critically, and be realistic with myself in the hope that I would stop wanting more connection than I could have with you. I’m sorry I didn’t anticipate how you might feel if you reactivated your account and read my written reflections. I can understand how seeing those may have caused you pain.
I understand I was reenacting trauma in my relationship with you. This was unconsciously done. Until late September, I didn’t even understand what had been happening. Through recovery work, I’ve learned that trauma reenactment is an effect of attachment injury and a sign of CPTSD.
I should not have pursued a new friendship with anyone until at least 6 months to a year after being discarded in that prior relationship. I don’t regret the time you and I spent together. I apologize for not waiting the recommended amount of time for my nervous system to heal after years in that prior relationship (in which I was reenacting the trauma I experienced during the political activism... which was reenacting the relational trauma in my family of origin... in which my mom was reenacting her childhood trauma... and so on). I’ve come to understand that changing this 🌪 pattern in my lineage is currently my soul’s purpose.
I apologize for starting to withdraw from our friendship in August without communicating to you my intention. My intention was to not see you until I could shift my feelings and get off the emotional roller coaster I had been experiencing since February: flying(when I was with you)-certain-uncertain-impossible-deflated(most of the time). Each time before seeing you, I was terrified and thrilled because I knew the roller coaster would start over again. At the time I didn’t know why I was terrified, I just knew I was very afraid. The pattern of brief highs and protracted lows was torturous for me. I understand the pattern was an effect of the trauma reenactment. Reenacting trauma in that way (limerence) can be so painful and feel so inescapable that some people commit suicide.
I didn’t want my intention (to not see you) to be true, and if I communicated it to you, that would have cemented its truth. Right up until the end, I kept trying to think of another way. For months, I’ve understood that you and I have different needs in friendship, and our needs aren’t compatible, but I kept trying to make a friendship work because my feelings for you of love and shared interests were very genuine. I apologize for not accepting the reality of the situation much sooner. I understand that trying to make impossible situations work is a pattern of my nervous system, an effect of my attachment injuries. I’m working to heal those injuries, and I’m changing that pattern.
I recognize my decisions contributed to the ending of our friendship. I apologize for any suffering that may have caused you. I’m sorry if my unwillingness to try to mend our connection in the future brought you additional pain. With those decisions, I prioritized my needs over the powerful desire I had for us to be in relationship and over my thought for your feelings.
I apologize for not clearly communicating to you my feelings and needs throughout the months we were in relationship. The more I value a relationship, the harder it is for me to express my feelings and needs. This is an effect of my early life attachment trauma and a challenge I’m facing in recovery.
I’m grateful to have been in relationship with you and for the profound awareness that has come to me through that soul work. I care dearly about you and your family. That will not change. I’m deeply sorry it couldn’t work for us to continue in relationship. I’m still grieving that reality. I’m sorry for not communicating that to you directly and for causing suffering. It is my ongoing hope for your life to be full of joy.
***
Reasons I’m not sending this apology:
The apology feels disingenuous, like a manipulation of the truth, like when I was forced as a kid to apologize for actions that weren’t my fault.
It’s unwise to be vulnerable with someone who discarded (abused) me, showed no remorse for doing so, and showed no empathy for me when I reached out to her compassionately before and after the discard.
Divulging my experience with reenacting trauma in the relationship is an intimate and vulnerable confidence, and she and I are not confidantes. I don’t trust her because she manipulated and abused me, and I want no relationship with her now or in the future. It’s not wise to talk about trauma reenactment and CPTSD with anyone I don’t trust.
As of our last contacts in September, she seemed emotionally unstable and did not have the capacity to hear me. Realistically I doubt she’d have had the time, space, or interest in receiving an apology. My feeling is that the message would be a burden to her. My feeling is that she detached from our relationship the way she did from her 3 former marriages and anyone else she has ever broken up with in her life. My feeling is she felt some degree of responsibility herself and/or animosity toward me for a while and then chalked the experience up to karma and the control of the god/universe to avoid any feeling of shame, abandonment, etc. My feeling is she probably wrote me off and has hardly thought of me since I hid myself on messenger or she’s not thought of me at all.
I don’t think she’s a pathological narcissist, but I experienced her to be a narcissist: love bombing, empty/broken promises, seduction, lack of concern for my feelings and needs, emotional unavailability, intermittent reinforcement (*sometimes* getting back to me, *sometimes* showing up), feelings as facts, and discard. With narcissists, no contact is the wisest choice for me.
The only thing I actually did “wrong” in that relationship was to stay in it long after I noticed red flags. I recognized our needs aren’t compatible, and I continued trying to make the relationship work. Those aren’t actions I need to apologize to her for in order to make amends. I can simply make amends by continuing to work daily on my nervous system so I will be able to pay attention to red flags when they show up in future relationships, and so I will no longer try to make impossible situations/fantasy relationships work.
By staying in the relationship I cocreated that unhealthy dynamic, but I actually didn’t “cause” her suffering. She FELT criticized, and I can see how she may have felt that way, but I actually didn’t criticize her. There’s no need to apologize for truthful insightful expression on Facebook that was inspired by my conversation with her, but that didn’t malign her or even mention her, and that I didn’t expect her to see because her account was deactivated. If a truth hurts, a person can choose to ask themselves why it hurts. Eviscerating the truth teller doesn’t change the truth. This is why she discarded me and this is what I feel shame about. But if there had been space in the relationship to tell her my insights I would have gladly done so. The only person’s suffering I actually “caused” was my own with the self-torture of staying in a relationship dynamic that was reenacting trauma.
I actually tried several times to communicate my feelings and needs. There just wasn’t space for me to do so, even on my birthday. On the occasions when I did so anyway, she minimized my feelings, brushed them aside, tried to overwrite my reality, openly said she didn’t have time to hear me, and/or she didn’t actually have the capacity to hear me. I don’t need to make amends to her for not communicating my needs clearly. I tried. I will continue with recovery work so I can keep growing my capacity to express my feelings and assert my needs with anyone.
I’m actually not sorry for ending the relationship or refusing to mend it in the future. There is no need to apologize for putting my needs first in my relationships. I can’t take responsibility for her feelings.
I realize the shame which lingers in me regarding that relationship is not healthy guilt. I really did nothing wrong, but I feel badly anyway. I’m pretty sure it’s toxic shame that’s connected to my early life attachment trauma, and is not actually about N. Repairing those injuries and releasing that shame is why I’m doing recovery work.
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putschki1969 · 7 years ago
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♪ 10th Anniversary Live Q&A ♪
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Kalafina will hold a special live to commemorate their 10th Anniversary. Here’s a comprehensive list of the most frequently asked questions. I’ll try my best to provide all the answers you might need. Thanks to everyone who sent in questions! Without further ado, here is the Q&A!
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What’s the exact date of Kalafina’s 10th Anniversary Live? January 23, 2018 (Tuesday) Doors open: 17:30 Start: 18:30
Why is the concert on a weekday? Kalafina officially debuted with the release of their first single 「oblivious」 on January 23 2008. Their Anniversary Live will take place on their actual anniversary. This year, Jan 23 happens to be a Tuesday.
What’s the venue for Kalafina’s 10th Anniversary? Nippon Budōkan
How do I access Nippon Budōkan? The Nippon Budokan is located in Kitanomaru Park in the center of Tokyo, two minutes' walking distance from Kudanshita Subway Station (Hanzomon line, Tozai line or Toei Shinjuku line), and near the Imperial Palace and Yasukuni Shrine.
How many people can fit into Nippon Budōkan? The structure holds 14,471 people (arena seats: 2,946, 1st floor seats: 3,199, 2nd floor seats: 7,846, standee: 480).
Who are the supporting musicians for Kalafina’s 10th Anniversary Live? Guitar: Korenaga Koichi; Drums: Sato Kyoichi; Bass: Takahashi “Jr.” Tomoharu; Konno Hitoshi Strings (1st Violin: Konno Hitoshi, 2nd Violin: Todo Masahiko, Viola: Ikuno Masaki, Cello: Nishikata Masaki); Keyboards: Sakurada Hirotaka; Flute: Akagi Rie; Percussion: Nakajima Obawo; Accordion: Kato Kanako; Manipulator: Oohira Yoshio
Where do all the news regarding the live get announced? Either on the Harmony page, via Harmony Mail Magazine or on Kalafina’s LINE blog. Past Anniversary Lives were exclusive to fan club members so news usually didn’t get announced publicly (i.e. on the LINE blog). However, it is VERY likely that the upcoming 10th Anniversary will be open to non-members as well so I guess infos will be announced on all important pages this time around. In any case, I will keep you updated on ANY kind of news so be sure to follow my blog! Seriously! I won’t keep anything secret from you. If I get any news, YOU will be the first one to know!  〈(•ˇ‿ˇ•)-→
https://putschki1969.tumblr.com/
Is the live gonna be for fan club members only? [CONFIRMED] NO, as I said in my answer for the previous question, I very much doubt it. In my opinion there are three things that argue in favour of a live open to everyone. #1: The live was announced very early on publicly on the LINE blog and in various news articles. #2: Budōkan is a huge venue, I don’t think there are even enough fan club members to fill the entire stadium. #3: Non-members are allowed to take part in the “What songs do you want to hear?-Poll”. Edit: As expected, the live is NOT gonna be for fan club members only!
Are tickets available already? No. The live is still FIVE months away. It’s very unusual for Kalafina concert tickets to go on sale this early before the actual live date. Please be patient a little while longer.
Will tickets even be “on sale”? How does the ticket system work? The ticket system in Japan is VERY complex. The term “on sale” doesn’t really apply when it comes to getting your hands on a Kalafina concert ticket. Since previous anniversary lives were for fan club members only, there was never an actual sale, just one or two rounds of fan club lotteries (I do realise that the term “lottery” is a little misleading. Yes, it is a lottery and yes, you “win” a ticket but please don’t misinterpret this, you STILL have to pay for it!). Here’s how the ticket system works for a “regular” concert. 〈(•ˇ‿ˇ•)-→ Fan club members always have priority in applying for tickets. Kalafina fan club ballots are usually held on an external ticketing site but you will require a special code to access the ballot, details of the entire process will be sent to FC members via mail. Ballot results are sent at a later date. For previous lives there were two rounds for “Fiction Junction Club” lotteries. With the launch of “Harmony” we now have a “Harmony” lottery (Harmony members do have priority!!), followed by a “FJC” lottery. Entry periods for ballots are usually between 1 to 2 weeks (note: they can be shorter/longer). The basic premise is that a major part of the tickets is reserved for fan club members and the remainder goes to public sales. The public sale almost always starts with a pre-balloting (multiple rounds possible) and eventually (if there’s anything left) tickets really go “on general sale” and it’s all about first come first serve.
How to apply for tickets? This is the hard part. For all the above mentioned steps you will need AT LEAST TWO things: A Japanese address and a Japanese phone number. In addition to that, you’ll obviously need a fan club membership for the preceding fan club lotteries. Ballots and sales for Kalafina concerts usually take place on this site: e-plus. Or you can try your luck at a conbini (convenience store) terminal. Most of the time payment options include credit cards but be careful! Often they don’t accept foreign credit cards. The only other option is to pay for the ticket at a conbini which can be rather troublesome if you don’t happen to live in Japan. Regarding the collection of the ticket: Usually the ticket/s will be sent to the Japanese address you entered around 2-1 weeks (or earlier) before the concert or you can choose to collect the ticket at a conbini (the options differ from concert to concert). But like I said, this kind of application only works if you have a Japanese address, a Japanese phone number (and usually a credit card issued in Japan). HERE is my very detailed tutorial on how to become a member of “Harmony”.  In short, you have two main options:
EITHER you have a friend living in Japan who is willing to help you out with all of the above things.
OR you make use of one of the many proxy services that will do all the hard work for you (in exchange for a lot of money of course). E.g. www.sosjapan.jp which will do pretty much everything for you. They will register for you under your name. They will provide an address. They will apply for lotteries/or buy tickets for you. They will buy goods from the online store for you. Estimate for membership registration: Harmony or FJC membership fee: 4000yen. Admission Fee: 1000yen. (Service Fee: 130yen). Agent Fee: 8000yen. + shipping to your home address which varies according to the method you opt for (usually around 2000yen). Their agent fee will be applied to pretty much all further activities such as buying tickets (or goods). Taking part in ballots is free, you are only charged the agent fee if you actually win, so you’ll pay the price of the ticket itself, the agent fee and the shipping fee to your address. This may sound quite expensive but they offer a reliable service and many Kala-fans use it. I’d say it’s definitely worth the extra 100 bucks. On a side note, you don’t have to use this service to become a member of Harmony. You can just use it to take part in the general pre-balloting but of course there’s a higher risk of not winning. (There are cheaper services than sosjapan but you’ll have to look for them and check whether or not they have good reviews; HERE’s a post where I talk about various proxy services)
When are tickets gonna be available? [CONFIRMED] I cannot say for certain. Things were a little different for previous anniversary lives. Take Kalafina’s 9th Anniversary for example, dates for the 2-Day Live weren’t announced until October 26! The first fan club lottery took place from 2016/11/15~11/23. The second round took place from 2017/1/12~2017/1/15 (VERY close to the actual concerts!). I am expecting something different for the 10th Anniversary. Here’s my best guess: the Harmony lottery entry will most likely begin in early to mid October at the latest. Infos for that might only be announced on the Harmony page. A FJC lottery will follow soon after (infos for that will be announced on the Spacecraft FJC page). Then we’ll get the pre-balloting for the general public (maybe with multiple rounds) and finally a general sale. That should give most of us enough time to prepare our trip to Japan. I don’t mind waiting till October to book my flight (I doubt prices will change much till then). I’ll start worrying if they haven’t announced ANYTHING by the end of October. Edit: General sale will start on November 25!!! Edit #2: The preceding ticket lottery for 「Harmony」 members will start on October 16!!! The lottery will last till October 24! Results will be revealed from Oct 27-Oct 29.
Are tickets from the fan club ballots personalised or labelled? Many people are worried abut buying those tickets on the re-sale market because they believe their ID will be checked and they won’t be able to get in without a membership card. Don’t worry, that won’t be the case as long as it is a concert open to the general public. When it comes to fan club members-only lives/events it’s different of course. The only time someone usually checks your membership card is if you wanna buy fan club exlusive merchandise.
How much is the ticket gonna cost? [CONFIRMED] Up to 8,000 yen I’d say. Previous Kalafina lives at Budōkan were around 7,800 to 7,900 yen. Nothing out of the ordinary for a Budōkan concert. A very reasonable price. Edit: Ticket prices have already been announced; All seats specified 7,800 yen!
I wanna sit front and center! Can I get a good seat? Simple answer. NO. Or rather, it’s all up to luck. Seats are ALWAYS assigned at random and you usually don’t find out your seat until MUCH later. Being a fan club member sadly DOES NOT guarantee good seats (in some cases it doesn’t even guarantee a seat at all!). As a fan club member you may still end up being seated all the way in the back. You can increase your chances by entering all fan club ballots (requires membership for both) as well as the general sale pre-balloting but you risk being stuck with and having to pay for more tickets than you actually need (you can always sell them of course). Which brings me to the only option you have if you wanna choose your seat: You have to buy the ticket on the re-sale market on various auction sites (e.g. Yahoo Auctions; Ticketcamp). All in all, this is probably the “easiest” option for all of you who don’t wanna deal with the “hassle” and extra costs of getting a fan club memberships etc. You’ll need a proxy service for the auction sites as well but it can be a much cheaper service like buyee (I can recommend that!) or something similar since bidding is a “simple” transaction that doesn’t really require a super high agent fee or anything. If you decide to bid at one of those auction sites you have the option to choose between various offers. The only downide: You have to pay a FORTUNE for your ticket. People will try to outbid you like nobody’s business. Expect to pay AT LEAST double of the original ticket price. Another downside is that you have to wait till people get their seat infos (because that’s when they start selling) so your trip preparations may be delayed. Also, this business is super shady and it’s best not to support it but I guess there’s not much else a desperate foreign fan can do...
Can I get more than one ticket (for a friend etc)? Yes, that’s very likely. For regular lives it’s usually possible to apply for more than one ticket at the lotteries. That’s how I got my tickets for the “Far on the Water Special Final”. A friend of mine who is a fan club member applied for two tickets and she won. Tickets are assigned at random but in this case you will be seated next to each other. Be aware that applying for more than one ticket MIGHT reduce your chances of winning (I actually have no proof for that but some fans seem to think so). Also, you can obviously bid for more than one ticket on the re-sale market.
Should I even join “Harmony” if there are so few advantages? We don’t have guarenteed good seats, sometimes (for exclusive lives/events) we don’t even have the guarantee of a seat at all. Why should I even bother to join? I am sure many of you ask yourself that question. Well, first of all, the annual fee of 4000 yen isn’t too bad, it’s actually quite cheap. And if you don’t continue your membership, it will automatically be cancelled. Also, taking part in the preceding lottery is a great bonus. It increases your chances of getting a ticket A LOT. Especially when it comes to regular concerts. That’s one big advantage for sure. Plus, we get a lovely newsletter/magazine four times a year. We get the chance to buy exclusive merch. The option to take part in exclusive event. And most importantly, I think it’s just about BEING PART OF THE CLUB. As a big fan it feels special to belong to their fan club and I am proud to call myself a member of “Harmony”. It may not mean much to others but i means a lot to me.
Will there be merchandise? How much is it gonna cost? I am expecting there to be a ton of merchandise! It’s their 10th Anniversary so they will probably come up with a lot of cool stuff. Maybe another Live History book? That would be really cool! Maybe another special feature like Kalafina Record or Kadokawa? Obviously there will be the usual stuff (pamphlet, postcards, towels, keychains, member produced goods, etc...). Expected price range: anything between 500~6000 yen (as per usual). Once again, we’ll probably get some premium goods (like the pocket watch, suitcase, wallet, music box etc) which will be VERY expensive but hey, those are high quality products so the price is definitely justified (most foreign fans will probably have trouble getting their hands on them anyways since you need to pre-order them and many months later they will be sent to you - only Japanese addresses are valid). I am also hoping for a special release (a nice DVD/BD or a lovely live album...) On a side note, I hope they open a Kalafina collab café again. And I also want “Kalafina Museum” exhibtions! I am praying to every deity out there that those things will take place in the week before the concert so I can actually go XD
Is the setlist gonna be released beforehand? No. Kalafina have always been very adamant about their setlist being a surprise. Even during tours, they try to be super secretive about the content of their lives in order to avoid spoilers for upcoming shows (obviously fans are still posting the setlists but at least you won’t be spoiled on any of the official Kalafina pages).
What are the chances of a certain song being sung? Well, it all depends on the results of this poll. Kalafina decided they would let their fans choose the songs of their setlist. So if you wanna influence the results and if you want them to perform a certain song, you’ll have to get a membership and actually VOTE for that song (as well as two others, or you can also choose the same song three times!). Non-members need to acquire an SC ID so they can vote for one song. You have time till Sep 15 to put in your vote so you better hurry! Many fans on twitter posted their votes and from what I could tell, most of them chose songs that are either rarely performed or ones that are all-time favourites like Hikari no Senritsu/Alleluia/Hikari Furu/sprinter etc...Of course there were others who voted for songs that aren’t exactly popular among foreign fans (e.g. misterioso) but they are well-beloved among the Japanese fanbase, so yeah... I haven’t seen everyone’s vote of course so it’s impossible to predict the outcome of this poll. However I do believe that chances of rarely performed songs making it to the setlist are higher than usual. Their Anniversary setlists have always been lovely and I doubt it’s gonna be any different for this one. Judging from earlier poll results for a special FJC live back in 2016 (FJC BEST 20 Part 2), it seems like fans have always voted for either rarely performed songs or their all-time faves.   Btw, here’s my vote.
#1. 002. 君が光に変えて行く (Kimi ga Hikari ni Kaete Iku) #2. 054. 屋根の向こうに (Yane no Mukou ni) #3. 023. lirica
One last thing! I am sure the girls will also pick a few songs that they definitely wanna perform (whether they are high up on the list or not, Ongaku and Oblivious come to mind). Plus, we’ll most likely get at least one song with accordion and one with flute or else they wouldn’t have invited Kato Kanako and Akagi Rie as supporting musicians.
Will the results of the poll be published? I guess. But certainly not before the concert is over.
Lastly....should I go to their 10th Anniversary or is it best to wait for other lives to be announced? I am sure Kalafina will hold other concerts in 2018 (and now that I have a job I am planning to attend at least one or two of them as well!!) so you’ll get plenty of opportunities to see them live. Also, maybe our dreams will finally come true and they end up announcing a world tour at their 10th Anniversary (a girl can dream, right? XD) Either way, it’s certainly not “necessary” to attend their 10th Anniversary live since it’s definitely not gonna be their last concert but in my opinion, it’s something VERY special and I wouldn’t wanna miss it for the world. I honestly see it as my duty as their hardcore fan to be there and share this special moment with the girls (but that’s just me XD)
All right, that’s it. I hope I was able to answer all of your questions. Thanks to everyone who sent asks or replied to my post. Also, congrats if you managed to read everything all the way to the bottom. If you are still confused about anything or if you feel like I didn’t provide answers to all possible questions, please be sure to let me know. However, please do me the favour of reading EVERYTHING carefully before asking away. I know it’s a lot to take in but it’s important you read all the answers to get the whole picture. 
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iwriteaboutfeminism · 8 years ago
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Trump vs. The Resistance: : Week 2
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January 28- February 4
Challenges to Muslim Ban
President trump’s announcement of the Muslim travel ban on the 27th set off wide-spread protests at airports over the weekend all across the country. Taxi drivers in New York City, organized by the New York Taxi Workers Alliance staged a one-hour strike on fares heading to and from JFK Airport in a show of solidarity. Uber faced harsh criticism over the next week - and thousands of people deleting their app and vowing to boycott the ride service- for choosing to accept the fares. There was also an organized effort which succeeded on Thursday of getting Uber CEO Travis Kalanick to quit trump’s economic advisory council.
Lawyers of various specialties were also grouping in airports over the weekend, offering their services for free to the immigrants and refugees caught in the tangle. The ACLU worked quickly to win a temporary stay on the order within 24-hours of it going into effect. The ruling by Judge Ann Donnelly of the federal district court in Brooklyn protected the travelers already in the country from being deported, but couldn’t release them from being detained at airports.
In support of their efforts, the ACLU brought in over $24 million in online donations in two days.
Finally, on Friday, US District Judge James Robart of Seattle issued a temporary restraining order on the ban, pending full review. This ruling means that anyone with a valid green card or visa must be allowed entry into the country, and anyone traveling from the seven countries included in the ban cannot be denied passage based on their country of origin.  "The constitution prevailed today," Washington’s Attorney General Bob Ferguson said of the ruling. "No one is above the law, not even the president.”
One of the youngest victims of the ban was four month old Fatemah of Iran. She was scheduled to have heart surgery in Oregon on February 5th, but her family was denied entry into the country. Thankfully, New York Governor Cuomo issued them a waiver and arranged for doctors at Mt. Sinai Hospital in New York City to perform her critical surgery for free.
Seeing the horrible mess of trump’s Islamophobic policy, Republican Senators John McCain (who ran against Obama in 2008) and Lindsey Graham, issued a joint statement criticizing the ban and saying that it would ultimately cause more harm than good.
“Such a hasty process risks harmful results. We should not stop green-card holders from returning to the country they call home. We should not stop those who have served as interpreters for our military and diplomats from seeking refuge in the country they risked their lives to help. And we should not turn our backs on those refugees who have been shown through extensive vetting to pose no demonstrable threat to our nation, and who have suffered unspeakable horrors, most of them women and children. Ultimately, we fear this executive order will become a self-inflicted wound in the fight against terrorism.” 
While I wouldn’t say that this indicates any feeling of solidarity between the Senators and Muslim immigrants and refugees (Graham called for a “time out” on accepting Syrian refuges after a 2015 terrorist attack in Paris) it may suggest that trump cannot proceed on all fronts completely unchecked by the legislative branch of our government. Maybe. We’ll see.
Steve Bannon and the National Security Council
One move trump is absolutely seeing bipartisan opposition to is his executive order, signed on Saturday, to reshape the National Security Council (NSC) to include his chief advisor Steve Bannon, a known white supremacist. His order also limited the role and influence within the NSC of the Director of National Intelligence and the Chairman of the Joint Chiefs of Staff. This makes no sense to anyone, as these positions (historically) help shape a president’s military and intelligence policy, which you’d think would be relevant to national security.
A former Chairman of the Joint Chiefs of Staff (2007-2011) retired Admiral Michael G. Mullen, described the function of the NSC this way, in a New York Times op-ed: “At N.S.C. meetings, representatives from the State Department, the Pentagon, the Treasury Department, the intelligence community and other agencies speak freely and critically about the full breadth of options available to the United States.” Senator John McCain, for one, has called trump’s changes a “radical departure” from precedent.
 And the controversy doesn’t end there. Reporting was leaked that trump was not fully briefed on what was included in the executive order. Whether that would have made any difference is debatable, but we know that Bannon and Stephen Miller, the White House Policy Director, had him sign it without telling him what it was. The New York Times reports that, once he found out, it turned into “a greater source of frustration to the president than the fallout from the travel ban.”
The Firing of Attorney General Sally Yates
Speaking of the ban, on Monday, interim Attorney General Sally Yates announced in a memo to the Justice Department that she would not be defending legal challenges to trump’s Muslim ban in court.
“My responsibility,” she explained, “is to ensure that the position of the Department of Justice is not only legally defensible, but is informed by our best view of what the law is after consideration of all the facts. In addition, I am responsible for ensuring that the positions we take in court remain consistent with this institution’s solemn obligation to always seek justice and stand for what is right. At present, I am not convinced that the defense of the Executive Order is consistent with these responsibilities nor am I convinced that the Executive Order is lawful.”
Within hours, she was delivered a one-line note from the White House saying she had been fired. In a quickly issued press release, the White House accused Yates of betrayal and appointed Dana Boente to take her place until Jeff Sessions could be confirmed by the Senate. It is, needless to say, extremely unsettling to watch a president so quickly get rid of the people who question the legality of his actions.
Announcement of Neil Gorsuch as SCOTUS Nominee
The following evening, on live prime-time TV, trump announced his nominee to fill the vacancy on the Supreme Court left by the late Justice Antonin Scalia.  “Was that a surprise? Was it?” he asked the press gathered. Neil Gorsuch, currently serving on the Federal Appeals Court in Denver, is what is referred to as an “originalist” or “textualist,” when it comes to interpreting the Constitution, meaning that instead of interpreting the Constitution within a modern context, he prefers to interpret our laws within a late-18th century context. This makes women, people of color, and LGBT folks, among others, understandably concerned. Ms. Magazine summarized his opposition to abortion and birth control.
“In a 1996 amicus brief, Gorsuch declared that public hospitals and individual health care providers should be free to deny women abortion care based on their personal beliefs. While serving on the 10th Circuit, he repeatedly ruled against the Affordable Care Act’s birth control benefit and in favor instead of so-called “religious liberty,” falsely framing coverage for critical reproductive health services as an infringement on the “conscience” of health care providers. Gorsuch ruled twice in favor of challenges to the ACA’s mandate, including the now-infamous challenge to the law brought by the craft store chain Hobby Lobby. He has multiple times relied on falsehoods spread by anti-abortion and anti-reproductive rights extremists…”
Black History Month Breakfast
To kick off Black History Month, trump hosted a breakfast on Wednesday, ostensibly as a listening session with black leaders. Who were those leaders? Not anyone from the NAACP, the National Urban League, or the Chairman of the Congressional Black Caucus. Guests did include, however, Ben Carson (trump’s nominee for the Secretary of Housing and Urban Development), Omarosa Manigault (former Apprentice candidate and current Director of Communications for the White House Office of Public Liason), and Pastor Darrell Scott of Chicago (who campaigned for trump and, as he put it, recently met with “top gang thugs” to address gun violence in the “inner city”).
The president also received flack for his comment on Frederick Douglass, which made some question if trump knew Douglas had died over 120 years ago, or had any knowledge of black leadership outside of names commonly taught in elementary schools. "Frederick Douglass is an example of somebody who's done an amazing job and is being recognized more and more, I noticed. Harriett Tubman, Rosa Parks and millions more black Americans that made America what it is today. Big impact.” In parody, one blogger put together a list of satirical tweets, as though written by Frederick Douglas, such as “@realFrederickDouglass: Appreciate @realDonaldDrumpf congrats on AMAZING job I did to secretly educate myself and other slaves while still living under slavery in Maryland. My work is finally being recognized!”  and “@realFrederickDouglass: My keynote speech at Emancipation Memorial was highest rated speech with biggest crowd ever! DISHONEST CNN chose not to cover it. TERRIBLE!”
Holocaust Remembrance Day
Another commemorative date trump drew broad criticism over was his statement on Holocaust Remembrance Day, which made no mention of Jewish people. The White House stood by the statement, pointing out that people of Jewish faith were not the only minority targeted by the Nazis, which, while true, does nothing to amend the clear erasure of the genocide they faced in the name of anti-Semitism.
It’s especially concerning, considering the powerful (and some would say manipulative) influence that trump’s chief advisor, Steve Bannon (who formerly ran the anti-Semitic, conservative propaganda website Breitbart) has over the president. A “Saturday Night Live” skit on the 4th ended with Bannon, dressed as the Grim Reaper, taking over trump’s desk in the Oval Office, relegating the president to a child-size table covered in toys to distract him.
Phone Call with Australian Prime Minister Turnbull
The skit was based on calls to leaders of various countries that trump had made this week, including Prime Minister Malcolm Turnbull of Australia. A few months ago, President Obama promised to welcome in 1,250 refugees currently being detained in Australia, but in speaking with Prime Minister Turnbull, trump reneged on the deal, saying it was “the worst deal ever,” and that accepting the refugees would kill him politically. He even had the audacity to accuse Australia of trying to send us “the next Boston bomber.” (Who was an American citizen, by the way.) Before ending the call, he described the conversation, (which was scheduled to last an hour, but ended with trump hanging up on Turnbull after 25 minutes) as “the worst call by far.”
Final Thoughts
If trump has learned anything from his second week as President, it’s that nothing will come easily. He has faced incredible resistance at every turn, and the cracks in his administration are becoming more apparent. For someone who loves to be on the attack, he has incredibly thin skin; a fact which is being taken full advantage of. Whether it’s through mass protests, creative acts of resistance, sharp satire, or legal challenges, the message is clear. This is not “trump’s America.” It’s still ours.
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thehrblog · 4 years ago
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Coronavirus: Employee Rights
Article contributed by Alex Monaco, Monaco Solicitors. 
Coronavirus: employee rights
There have been unprecedented impacts on employees’ rights during this coronavirus pandemic, including the right to health and safety and the right to be paid. If your employer has cut your pay because you have refused to attend an unsafe workplace or you have been unfairly dismissed, read our article here.
Despite many employers accidentally infringing, or even deliberately ignoring these rights to stay afloat in this chaos, your rights as an employee have not changed.
This guide covers:
Can your employer force you to attend work if you are vulnerable, or a danger to a vulnerable person?
Furlough leave.
Can you be dismissed for not coming to work because you are self-isolating?
Can your employer reduce your salary?
Support offered to the self-employed during the coronavirus.
Are you entitled to pay if you are self-isolating due to coronavirus?
Are you entitled to pay if your employer tells you to stay off work?
What are your rights if you take time off work to care for dependents?
If you get coronavirus, will you be entitled to sick leave and pay entitlements?
If you are made redundant due to covid-19 do you still have to be consulted about the redundancy by your employer?
If you have been laid off due to the coronavirus but you want to leave your job can you choose redundancy?
Next steps
Can your employer force you to attend work if you are vulnerable, or a danger to a vulnerable person?
Your employer already knows how old you are. Assuming that they also know if you are pregnant, or suffer from ill-health or a disability, then hopefully they will be receptive to proposals for you to work remotely where possible or to be put on the government Coronavirus Job Retention Scheme on temporary ‘furlough leave’ (see below). The deadline for new entrants to the furlough scheme has now passed (except for parents on statutory maternity/paternity leave).
Even if you are just living with someone in the above categories, an attempt by your employer to force you to attend work could be breaking the law. The law for these circumstances is not yet clear in relation to covid-19. We advise that an attempt by your employer to force you to attend work could be unlawful, as doing so could be subjecting you to one or more of the following: – discrimination relating to age, pregnancy or disability, or – constructive dismissal or -breach of health & safety law
Furlough leave
The Coronavirus Job Retention Scheme, also known as ‘Furlough Leave’, is available if your employer’s business has been affected by covid-19. This scheme allows your employer to let you stay at home as the government will pay them 80% of your salary, up to a maximum of £2,500 per month until the end of July this year, at least (see more below). This can be backdated from the 1st of March this year.
The way in which this scheme will apply to you must be agreed between yourself and your employer, specifically whether you are happy to accept only 80% of your current salary up to a maximum of £2,500 per month, or whether you wish to receive the full 100% (with no upper limit). Your employer cannot simply put you on the scheme without your agreement. If you do not agree, however, they can make you redundant. Further information and tactics for employees about this is in our separate practical guide on furlough leave.
The scheme will continue to operate from August until the end of October this year, but employers will be expected to contribute to the cost and will be able to bring furloughed employees back to work part-time. Further changes to the scheme can be summarized as follows:
June 2020: The government furlough scheme will close to new entrants at the end of the month and employers must register new entrants prior to June 10th. Employers of parents on statutory maternity/paternity leave have been granted a longer period to register for furlough – details of which are still awaited.
From July 2020: Employees that have been furloughed can work part time. From August 2020: Employers will be required to pay the employers’ national insurance and pension contributions for furloughed employees.
From September 2020: Government contribution to furlough pay reduces to 70%, capped at £2,190 a month. Employers pay 10% (and top-up to 100% if previously agreed). From October 2020: Government contribution to furlough pay reduces to 60%, capped at £1,875 a month. Employers pay 20% (and top up to 100% if previously agreed).
Can you be dismissed for not coming to work because you are self-isolating?
No! Your employer may be allowed to start disciplinary action against you, but legally, they cannot dismiss you. Any attempt to do so would amount to automatically unfair dismissal under s.100 of the Employment Rights Act 1996.
Despite not relating directly to the coronavirus, a good example of automatically unfair dismissal can be found in the case of Harvest Press Ltd & McCaffrey 1999 ILRL 778.
Can your employer reduce your salary?
As long as your employer is justified in doing so, they can reduce your salary. We are frequently encountering employers telling their employees to take a pay cut during the coronavirus. It will be easy for your employer to justify giving you a pay cut provided that the same is being asked of other employees.
Employers can simply give you another contract of employment with a pay cut along with your notice. If you don’t agree to work under the new contract, your employer can terminate your employment when your notice period is over.
The effects of coronavirus on the self-employed.
On the 29th May 2020 the Chancellor announced a second grant for self-employed whose businesses have been affected by the coronavirus. The main points of this scheme include: The initial grant will be a taxable payment of 80% of the business’ average monthly trading profits, covering three months of profit up to £7,500. The deadline for applications for this grant was July 13th 2020.
The second grant is worth 70% of the business’ average monthly trading profits up to £6,570. This can be applied for in August 2020.  Recipients can work as well as receiving these grants.
Payments are: Based on your average income in the previous 3 years of trading. Not available to people on over £50,000 p.a.
Read more in our article on the government scheme for the self-employed and read the government website for the self-employed scheme here.
Are you entitled to pay if you are self-isolating due to coronavirus?
If you have symptoms or have been advised by your doctor or other medical authority to self-isolate, you are legally entitled to Statutory Sick Pay (SSP). You can obtain an isolation note online on the NHS 111 website. The current legislation does not entitle you to SSP if you are not sick yourself and want to self-isolate. The current legislation does not entitle a vulnerable person, for example old or with underlying health conditions to SSP. Still, we would advise that you get an isolation note online on the NHS 111 website, which would then entitle you to SSP.
Your employer must do a risk assessment if you are pregnant. Where it is deemed unsafe to attend work, your employer must suspend you on full pay. You are entitled to start your maternity leave at this point if this is within 6 weeks of your due date, as per the legislation here.
If, however, you can work remotely, and your employer agrees to this, then in these circumstances, you will be entitled to your usual pay.  Before deciding to take any action, you should talk to your employer about your concerns and see if you can agree on the best way forward. This legislation is contained in The Statutory Sick Pay (General) (Coronavirus Amendment) Regulations 2020.
Are you entitled to pay if your employer tells you to stay off work?
Your employer can ask you to stay away from work if they have good reason to ask you not to attend (for example, if you have recently returned from a country badly affected by coronavirus or had contact with someone with the virus). Where this is the case, you will be entitled to your contractual pay.
If your hours of work have been reduced or your employer closes your place of work, then you are entitled to your normal pay, without any reduction. Alternatively, your employer can put you on the government’s furlough leave scheme (see above) as the government will pay 80% of your salary whilst you’re at home. (See S151 Social Security, Contributions and Benefits Act 1992 and S147-154 Employment Rights Act 1996 for relevant legislation)
What are your rights if you take time off work to care for dependents?
On 4th April 2020, the government announced an extension of the Coronavirus Job Retention Scheme mentioned above, to people with childcare responsibilities due to covid-19 restrictions. This must be agreed with your employer as furlough is not an automatic right, however, this is great news for parents.
So, what are your automatic rights? Automatic rights are set out in pre-existing legislation, Section 57A-57B Employment Rights Act 1996. According to this legislation, you have a right to ‘reasonable’ time off work to care for dependents in an ‘emergency’. This includes where your dependents’ usual school/carers or other provider cannot operate due to covid-19 restraints.
Unless you have an insurance policy or your employment contract provides for payment in these circumstances, time off will be unpaid. What is a ‘reasonable’ amount of time off depends on your individual situation. Your employer is required to consider your case without reference to possible disruptions or inconvenience to their business.
Undoubtedly the coronavirus crisis does fall under an emergency, and what is considered as ‘reasonable’ is a period of time ongoing, at least, until schools and nurseries are open. But you should initially ask for full pay or at least furlough leave (see above).
If you get coronavirus, will you be entitled to sick leave and pay entitlements?
If you have been diagnosed with coronavirus or medical authorities suspect that you may have it, you will be entitled to the usual entitlements to pay and sick leave, just like any other sickness and sickness absence. (See S151 Social Security Contributions and Benefits Act 1992)
If you are made redundant due to covid-19 do you still have to be consulted by your employer?
Normally, when employers are making over 20 employees redundant, they have to consult for a period of 90 days before making redundancies. However, with coronavirus, this period could be compressed so that they do not have to consult for the full 90 days, as employers are likely to cite ‘special circumstances’. In our opinion, they would, still need to consult employees but for a reduced number of days.
The employer has a duty to consult you if less than 20 people are being made redundant. This would generally include more than one meeting and an opportunity for employees to make reasonable input into the decision, despite not being defined by statute.
If you have been laid off due to the coronavirus but you want to leave your job can you choose redundancy?
If you are laid off for 4 weeks in a row, or for 6 weeks in any 13-week period, you can write to your employer asking them to give you statutory redundancy payment as well as your notice pay. If your employer does not reply, you can resign and will have a claim for your statutory redundancy pay. In doing so, you must give notice, as per your notice period (which is the longer period of either your contract or statutory notice period).
Next steps
Monaco Solicitors have created a free Coronavirus Rights app which may be able to help you if you have been affected by any of the situations outlined above. This app provides individuals with an advice letter as well as two example letters to your employer for free.
from The HR Blog https://thehr.blog/2020/07/20/coronavirus-employee-rights/?utm_source=rss&utm_medium=rss&utm_campaign=coronavirus-employee-rights
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jeep wrangler insurance 2008
jeep wrangler insurance 2008
jeep wrangler insurance 2008
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jeep wrangler insurance 2008
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rebeccahpedersen · 6 years ago
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Days On Market: Do’s And Dont’s
TorontoRealtyBlog
Oh wow, am I ever having a flashback to childhood.
Do any of you know where I’m going with this one?  If the title of today’s blog post is any indication, you might recall:
“Don’t do as Donny Don’t does.”
Remember that line from The Simpsons?
Even as a child, I knew that the writers of this show were including just enough cerebral humour and jokes geared towards adults to keep them from turning the channel when their kids were watching.
Confusing, but funny.
So goes today’s blog title, although many of the readers will not find the antics pertaining to days on market all that humourous.
What are days on market?
Simply put, it’s how long a property has been listed for on MLS.  We abbreviate as “DOM” sometimes, and yet expect everybody to automatically know what this means.  DOM is a statistic that, like many others, has been losing meaning over the last few years.  “Sale-to-List ratio” is yet another example, and we have explored this at length before.
Have we ever had a dedicated blog post about DOM?  I don’t think so.
And yet I do believe we’re at the point where one is necessary.
So today, I’ll explain some of the current issues with the days on market statistic, specifically how the stat is used, and I’ll ask a series of questions.  For those of you that are in the market, or have been recently, and/or those MLS junkies who have their own thoughts and opinions about how things should be done, please feel free to answer the questions as you see fit.
As mentioned in a blog post two weeks ago, a reader emailed me out of frustration and told me that agents were starting to utilize a new technique that allowed them to increase their personal stats: sell a property, and then simply terminate the listing, and re-list new, hence showing zero DOM.
She emailed me the property she was talking about, and it was already on my radar.  I had seen this before a few times that week already with other listings.
The major issue we have with DOM is also linked to the issue with “new listings” on MLS, and it has the ability to undermine the integrity of the statistics that the Toronto Real Estate Board publishes.  If a property at 789 Smith Street is listed for sale on January 1st, and sits on the market, unsold, for 42 days before it is terminated, and re-listed on February 11th, then not only do the days on market start over at zero, but the listing counts as a “new listing” when it’s not.
Question #1: Should DOM continue to run on MLS with a property, regardless of re-listing?
Answer as you see fit, but this, of course, opens up other doors that we must walk through.
Let’s say that you would argue DOM should act as an easement, which is to say that it “runs with the property.”
In that case noted above, once the property is re-listed, the next day will show as the 43rd day, not the 1st.
But there are several “what if” scenarios.
Question #1a: What if the price has been changed?
Is it really fair to continue the DOM if the price has been changed?
Let’s say that 789 Smith Street was listed for sale on January 1st at $1,199,900, and it was terminated after 42 days as described above.  The property was then re-listed at $1,149,900.
Should DOM start over?
The argument for the “no” side would be that it’s unfair to attribute 43 “days on market” to that listing, at $1,149,900, because it surmises that the property has been for sale that long at that price.  The consumers might be confused, or led to believe something other than what is fact.
The argument for the “yes” side would be that the property is still for sale, and DOM is merely counting “days on market,” regardless of price.
You decide.
Now another nugget:
Question #1b: What if the listing brokerage has changed?
Do we look at “DOM” in terms of the property, or the listing agent?
Do whom, or what, are we applauding or chastising when DOM is low or high?
From the brokerage perspective, it would be entirely unfair to continue the days on market when a new and different agent takes over the listing.  If John Smith of Re/Max has the property listed at $1,199,900 from January 1st to February 11th, the listing is cancelled, and the property is then re-listed with Jane Jones of Royal LePage, then should Jane really “inherit” those days on market?
Perhaps the consumers will say, “I don’t care.  Agent statistics are not my concern, and the integrity of the listing and thus the MLS system should come first and foremost.”
I’m inclined to agree, as a consumer.  But I would disagree as a broker, and I can see a middle ground here.  TREB has, finally, developed a very simple “History” button on our own internal MLS system that allows users to click and have a new browser window open with the entire history of htat property.  Would TREB allow something like that for consumers?  Haha, that was rhetorical.  They never would.  That would be way too helpful, after all.
But buyer agents can run searches, and they should be educating their buyers.  It’s very easy to email, or send multiple listings, and say, “This has been on the market for 2 days, but was previously listed with another company for 43 days.”
Now what if an agent simply wants to “re-start” the DOM?
You know what I mean, right?
The agent wakes up one morning, sun shining, birds chirping, let out a big yawn with an accompanying stretch and say, “You know what?  I don’t like how the DOM are piling up for 789 Smith Street.  I think I’m going to refresh that listing.”
Refresh, re-start, recharge, re-do, whatever you want to call it, we know it looks something like this:
Here’s an example from this week where the property was re-listed for the same price, by the same listing brokerage (not shown).
So is there any difference between these two listings?
No.  There is not.  Same property, same price, same listing brokerage, and yet different “days on market.”
Question #2: Should a listing agent be able to re-list for the same price, and re-start the DOM?
I think this is a spot where most of you will agree the answer is “no,” and personally, I wouldn’t disagree.
This is a blatant end-around the integrity of DOM, and completely undermines what it is, and how it is supposed to help guide consumers.
For all intents and purposes, this house is now on its 27th day on market, no questions asked, no debate.  And yet here we see the listing on day zero.
So shall we outlaw this practice?  Most certainly!
But then it merely encourages agents to re-list at $1 lower, and we start to play games once again.
On the front of agents’ MLS home pages they all have a customized feature called “Today’s Listings,” as seen here:
I live in this box, really, and truly.
I click those links dozens of times every day, maybe into the hundreds.  It’s how I choose to monitor market activity and new listings, and I check every single night at 11:50pm before the new listings reset.
So what are the “updated” listings, you ask?
Those are listings that have been altered in any way.  You’d like to think that this reflects price changes (or increases…), removal of “offer dates,” or more important matters.  But agents know how to manipulate listings to ensure their listings show up in the “Updated Listings” section, often by simply inserting a single comma into the text section.
My point is that if we were to outlaw the practice of re-listing at the same price, with the same agent, to try to “re-start” the days on market to zero, I believe that agents would think outside the box in that regard, just as they already do with respect to Updates.
Moving on, how do the days on market work with regards to a conditional sale?
Well, if you list a property on January 1st, and the property is sold conditionally on January 10th, but the waivers aren’t all completed until January 20th, how long is the property on the market?
You would argue that the property is on the market for 19 days.  Technically 20, but MLS has this notion of “zero days on market,” as we know.  Semantics…
When it comes time to input the actual “sale date,” there is a grey area.
Some might believe the property was “sold” on January 10th, and some might believe it was “sold” on January 20th.
And guess what?  It’s up to the user to decide.  I have add/edit capabilities on MLS, so I can do as I please.  See:
Many brokerages have an administrator do this, and many allow their agents to do so.
Bottom line: the actual “sold date” is a grey area, and that affects the days on market.
Question #3: Should ‘days on market’ reflect the total days before a firm sale, or only up to the conditional sale?
The easiest answer is, “A sale is a sale.  Use the first date, and as a result, the days on market will be an unintended benefit.”
Okay, sure.  But what if the property is sold conditionally on January 10th, then the waivers are due on January 20th but the deal falls through.  Then the property is re-sold on January 31st, firm?  Wouldn’t that throw the previous methodology out the window?  You simply can’t have it both ways.
And for those agents who do believe that the “sold date” is the date on the offer, which date on the offer is that?
a) The offer date b) The date the confirmation of acceptance is signed
An offer written on January 10th might not be formally accepted, conditional or unconditional, until January 12th if there are sign-backs.  So in the case where an agent argues the “sold date” should reflect when the property was first sold, ie. conditionally or unconditionally, they might still choose from two dates.
As with anything a prospective real estate buyer may see on MLS, whether it’s functionality of the site, layout of the listings, features (or lack thereof), or metrics and/or statistics, there are going to be differences in opinion with respect to what should and shouldn’t be done.  We can always build a better mousetrap, and we can also agree that the forces of good and evil will always intersect among the agent community.
I don’t believe that a statistic or a metric has a purpose if it cannot be, a) properly defined, b) properly implemented, c) protected from misuse.
When it comes to the days on market metric, we don’t really know how to define it, we certainly haven’t implemented any standards, and clearly the metric has been misused.
This isn’t quite as bad as reporting sales at $1 back when agents and sellers were rebelling against the Competition Bureau’s ruling that forced TREB to share sale data, but I’m in favour of cleaning up any misuse on the MLS system.
Personally, I think Question #2 proposed above has the simplest answer, but again, there’s also a work-around for those agents who don’t agree.
I welcome your two cents on the matter, if you can spare the change…
The post Days On Market: Do’s And Dont’s appeared first on Toronto Realty Blog.
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torentialtribute · 6 years ago
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Norris and Russell: Two young talents aiming to emulate Lewis Hamilton
In 2018, even as Lewis Hamilton raced away for his fifth Formula One world drivers championship, it felt as though there was an absence of great British racing talent.
Hamilton was the only British driver in the field, and as the Stevenage-born great enters his 30s, there were concerns about where the next major talent was coming from.
Those concerns have been alleviated by the arrival of two young talents in the F1 field for 2019 – Lando Norris at McLaren, and George Russell with Williams; not to mention British-born Thai racer Alexander Albon for Toro Rosso.
Dedicated racing fans will know all about Norris and Russell already – but for those of you needing a catch-up ahead of the coming campaign, here is Sportmail's lowdown on F1's bright young things …
     Two young British racing talents – Lando Norris (pictured) and George Russell – are in the F1 field for 2019
     Norris has a 2019 seat at McLaren, and Russell is racing with Williams this campaign
Lando Norris
If Toro Rosso had it their way, the wider sporting world would have been introduced to the prodigious talents of Norris a few months earlier.
The Red Bull feeder team had a bid for the 18-year-old driver, then reserve at McLaren, rejected – they wanted to loan the Glastonbury-born racer ahead of the Austrian Grand Prix for the rest of the 2018 season, with a possible long-term deal afterwards.
McLaren – with doubts about the futures of both Fernando Alonso and Stoffel Vandoorne – jealously protected what has been one of the few bright lights in a dark period for one of the sport's giants, amid poor results and horrendously unreliable cars. Now they have him in a race seat, ready to be unleashed.
Norris is the most exciting product of their young driver program since Hamilton burst into F1 in 2007.
After starting his racing career in karting at the age of seven, he became the youngest world champion ever at 14.
     Norris has signed with McLaren after Toro Rosso has rejected a bid for the Brit last season
He was signed up to Formula 3 for the 2016 season and promptly won the championship in his debut campaign. Hamilton finished fifth in his first F3 championship.
Norris served as McLaren's lead test driver last season, but it was his appearance in F1 mid-season testing in 2017 that really made the racing world sit up and take notice.
Norris set the second fastest lap on the second day in a McLaren that was regularly either a back marker on the grid or sat smoking in a gravel staircase. Suddenly, he was the real deal.
As a person, Norris may be more reserved than Hamilton, but there is a sharp white and forthrightness of opinion.
There is something enjoyably unrefined about Norris 'social media output too, especially compared to the Hamilton sheen corporate.
When Alonso announced his F1 retirement last season, Norris posted a GIF or Batman stroking his chin, saying "Hmm, interesting" – a charming show of confidence, and an early hint he was the next in line.
     Norris is more reserved than Lewis Hamilton, but there is a white and forthrightness of opinion
When Sportsmail profiled British driving talents to watch at the start of 2018, we spoke to Norris at McLaren's Bond villain-esque headquarters near Woking, where he offered some forthright opinions on the state of F1.
Norris – who admitted being more interested in MotoGP growing up – said: 'The racing is quite boring, sometimes . It's hard to see how it pulls in fans. The races compared to other categories are sometimes a lot worse, they should always be better.
'I don't really know how to fix it; maybe have a load of power and no down force, but I'm sure they will have a way. It's better than it was, but not where it should be as the top form of racing. "
Perhaps adding the talents of a teenage sensation to the mix, for one of F1's grandest teams, could do the trick.
     Norris has risen quickly through the junior ranks to earn an F1 race seat at the age of 18
George Russell
As far as 21st birthdays go, Russell's was not ideal. He spent it waiting in Williams' paddock home in Catalunya, eating lunch, waiting for his car to be ready.
Williams missed the first two days of pre-season testing because of technical problems with the FW42 drive. Testing started on Monday; the car did not arrive in Barcelona until the early hours of Wednesday morning.
It was hardly the dream start to F1 for Russell, who had earned his race seat at Williams thanks to a magnificent 2018 season which saw him crowned F2 champion – generally accepted as the main F1 feeder series – ahead of the likes of Norris and Albon.
Like Norris, Russell also started his career in karting, following in the footsteps of older brother Benji. He won a string of British championships before moving into single seater racing in 2014, winning the F4 title.
Russell graduated to F3 the following year, and like Norris raced for Carlin. In 2017 he moved to GPS with ART, and won the title in his rookie season.
     Russell impressed in pre-season testing for Williams – once the team had his car ready
ART moved Russell up to F2 for the 2018 campaign, where yet again he won the championship in his only season at that level. He served as Mercedes test and reserve driver at the same time, allowing him close access to Hamilton to learn from the best – but as he told Sportsmail in 2018, he does not want to just copy the champion's style.
He said: 'Any British driver in junior series is trying to follow Lewis, his career has been so incredible so that is 100 per cent my aim, but I just have to keep on performing. This year, new goals, new targets, and if I don't succeed, then last year is forgotten about. You're as good as your last race. "
As is plainly evident, Russell is a born winner behind the wheel and has all the raw talent needed to compete in F1. Whether Williams can give him the tools needed is another matter.
Russell the man is a grounded, quiet but determined character – he lives in a one-bedroom flat in Oxford, with the Williams factory in Grove a 20-
When he was named in Williams' team for 2019 after last year's Russian Grand Prix, he celebrated with his family, girlfriend, his mother's home-made chicken pie and a glass of champagne.
     Russell the man is a grounded, quiet but determined character, who lives in Oxford
Alexander Albon
Born in London and schooled in Ipswich, Albon has driven under the Thai flag – the nationality of his mother – during his racing career so far.
He started karting at the age of eight, before graduating through the junior single-seat racing series into F2 for the 2017 season. The finished 10th in his first campaign – won by Charles Leclerc, now Sebastian Vettel's team mate at Ferrari – and third last year, with Russell and Norris as the racers ahead of him.
Albon's winter elevation into F1 was something or a surprise. He was signed by Nissan for the 2018-19 Formula E season, but in November – a month before the electric racing series was due to start – Toro Rosso swooped, choosing the 22-year-old to partner the returning Daniil Kvyat, preferring him to 2018 campaigner Brendon Hartley.
Albon will be the second Thai driver to race in F1, 65 years after Prince Bira competed at the 1954 Spanish Grand Prix.
Less is expected of Albon than the other two British-born rookies, and the races for a team with a much shorter, less prestigious F1 history. However, he has his own in pre-season testing – on the final day of the first session in Catalunya, the put in 130 laps with the second quickest time overall. One to keep an eye on.
     Alexander Albon has signed for Toro Rosso, having looked set for Formula E this season
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whatthekpopofficial · 6 years ago
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Suicide Prevention Awareness: 12 Korean Celebrities Who Tragically Committed Suicide
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*Please be aware that this article is a special topic for September, the National Suicide Prevention Awareness Month. While we are making the effort to handle this topic with care, some people may find the topic triggering. Suicide prevention hotlines and resources are listed at the bottom of this article.  While this entire month is dedicated to suicide prevention awareness, September 10th in particular marks World Suicide Prevention Day. Regardless of your position or status in life, depression is something that can affect any of us.  At times, depression, anxiety, and other issues can make life seem truly unbearable, even driving some people to consider suicide. This is something that can affect anyone around the globe, even famous singers or actors. Due to our love of Korean culture, it's easy to focus on the bright and positive aspects of the entertainment industry, forgetting the challenges and pain that can accompany life in the spotlight. When you add this to the normal demands of being a young person these days, it is easy to understand why some people feel so overwhelmed. In fact, suicide is the leading cause of death among Korean people in their teens, twenties, and thirties. While some advancement is finally being made concerning mental health issues in Korea, there is still a long way to go. In order to bring awareness to the rising number of suicides in Korea and around the world, we wanted to talk about some of the most famous celebrities who have chosen this tragic method of coping with their personal issues. We also want to encourage you that you should reach out for help if you're feeling suicidal or know someone who is. If we can assist in any way at WTK, please let us know. Last year, we lost one of our staff members to suicide. As such, suicide prevention is a topic important to our hearts. For further resources, we would also like to refer you to the radio broadcast we held in honor of SHINee's Jonghyun. The broadcast is divided into different segments, when one segment dealing specifically about what to do when you or a loved one is feeling suicidal. Click here to listen to the broadcast. You can find the different topics and their time stamps in the description of the video. In the meanwhile, let's look back at some of the notable cases of suicide in Korea. We remember these lives and mourn their loss after they succumbed to such a horrible thing. Suicide itself is 100% preventable, and we encourage you to reach our for help today! Park Yong Ha (1977-2010)
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If you’re a hardcore drama fan, you will have seen this guy somewhere. Park Yong Ha debuted in 1994 and rose to fame in the early 2000s with Winter Sonata, the famous drama co-starring Bae Young Jun and Choi Ji Woo. He became a hit actor and singer in both Korea and Japan. After the successful drama A Man’s Story and his movie The Scam in 2009, the actor was scheduled to star in Comrades in July 2010. Sadly, however, he didn't make it that far. Speculations still surface as to why a successful and well-known actor like Park Yong Ha would make that choice. Some said he was under too much stress after he started managing his own company, others claimed the news of his father’s malignant cancer was the reason, and some simply cried depression. Whether one or more of these reasons contributed to the decision, no one will ever fully know what went on in the mind of the 33-year-old actor. Lee Eun Joo (1980-2005)
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Steadily making a name for herself as an actress, Lee Eun Joo killed herself after leaving a note apologizing to her mother for her decision. The actress appeared in many popular films, including Bungee Jumping of Their Own and The Scarlet Letter. She was young and full of potential. So, why? Was it depression? Was it "insomnia after her nude scenes in The Scarlet Letter" as some people claimed? No one will ever truly know. U;Nee (1981-2007)
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This beautiful and promising young woman debuted in 2003 as a dance-pop singer. With her debut album, she instantly become well-received by both fans and critics alike. The young artist was also a rapper and went on to make her acting debut as well. A normally shy person, her label soon wanted her to transition into a more sexy genre of music, pushing her to get plastic surgery and changing her looks. Although it wasn't determined that she suffered from depression until after her death, things she had written on her social media page later came to light that indicated she felt overwhelmed and without purpose. After attending a church service in the morning, she decided to take her own life at the age of 25. Ahn Jae Hwan (1972-2008)
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Money issues— including a failed business and debtors storming in— was thought to be the reason behind Ahn Jae Hwan’s death. I watched him in Sunflower, and he was one of the few things I liked about the show. The rising star killed himself by carbon monoxide poisoning while sitting in his car, first leaving an apology note to his newlywed wife. What makes this so sad is that the actor wasn't found for several weeks, leading people to wonder what took his loved ones so long to find him. Kim Jonghyun (1990-2017)
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On December 18, 2017, beautiful and talented artist Kim Jonghyun of SHINee made the decision to end his life. A person who had been very public with his long-term struggle with depression, he left behind several texts and notes that gave a glimpse into his mental state at the time. Asking his sister to tell him he did well and explaining to a friend that he just wasn't supposed to have been a celebrity, he talked about his "devouring depression" and feelings of hopelessness. A beautiful soul who had touched countless lives with his music, art, writing, and more, Jonghyun's death was one of the most shocking and high-profile suicides among Korean celebrities. Jeong Da Bin (1980-2007)
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Most famous for Rooftop Cat, Jeong Da Bin committed suicide in the bathroom of her boyfriend’s apartment. The boyfriend stated that Jeong Da Bin was depressed because of lack of work, imprisonment of her manager, and cyber attacks on her appearance. With only the boyfriend's words to go on, no one will ever truly know what motivated this lovely young lady to take her life that day in his bathroom. Kim Seok Hyun (1979-2009)
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After getting a late start in his career, Kim Seok Hyun played minor roles in few productions on TV. You might recognise his face without being able to recall exactly where you know him from. At the age of 30, he took his life in his own home. Again, all that was left after his suicide were speculations on what led him to take this extreme measure. Many said it was due to depression from lack of work, but the public will never know. Jang Ja Yeon (1982-2009)
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Remember the three bullies in Boys Over Flowers? Jang Ja Yeon was one of them. She landed a CF and few other offers because of the popular drama. She was described as a rising star— beautiful and talented. Then, seemingly out of nowhere, she committed suicide in her family's home. It seemed to be a result of depression, but this time, a sponsor scandal was also involved. In other words, it was said she was being sexually abused by the rich investors and executives of her company due to her "slave" contract. The actress left a long letter before her death, naming the culprits and mentioning that they had physically and sexually abused her under the permission of her agent. The reason behind her suicide definitely sounds plausible, but we may never know for sure as the truth never fully came to light. In the end, only the life of a poor young girl was snatched away. Meanwhile, the agent is still alive and prospering. Woo Seung Yeon (1983-2009)
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Failed auditions, anxiety, and depression are what led to the tragic suicide of this young star. In fact, she was already receiving treatment for depression. The ironic part is before her suicide, she sent her sister a message that said, "I’m sorry." She uploaded the word "goodbye" to her personal page and changed the background music to a song called ''Sorry." Her family knew she was getting worse and said so. Sadly, it seems that Woo Seung Yeon knew she needed help, but when that help didn’t arrive, she simply gave up. Roh Moo-hyun (1946-2009)
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This low-income farmer was inspired to become a human rights laywer who would eventually even serve jail time as he faced against the powerful to fight for the average men. As such, it should come as no surprise that this man would eventually turn his eyes to politics in an attempt to change his world. He eventually was elected and served as the South Korean president between 2003 to 2008 and gained great popularity among the younger generation in particular. Politics aside, it wasn't until he had retired and was living a quiet life that someone brought up some suspicion that he had accepted a bribe in the past. The charge ignited an investigation and brought him into media's scrutiny in what his own party denounced as unfair and politically-motivated. Suffering from poor health already, the former politician decided to take his own life, leaving behind a note saying that he couldn't face the future and asking people to not blame anyone else for his death. Choi Jin Shil (1968-2008)
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Choi Jin Shil will always be named as an iconic actress. "There was no other talent like hers," many people have stated. She starred in many films and drama and was called "The Nation’s Actress." However, her personal life was not easy. Her road manager died. She got married, but her husband turned out to be abusive. She filed for divorce and went through a public custody war, losing sponsors as a result. Her friend Ahn Jae Hwan (included earlier on this list) then committed suicide, and she was even accused of being involved in that. Things got really dirty and it was hard to cope with all of this in the public eye, so she opted out of the situation by choosing suicide, leaving behind her two young children. Tragically, her high-profile suicide resulted in a temporary rise in suicides in Korea for the month after her death. Approximately 700 more people killed themselves in that month than in previous times. The entire tragic situation led the South Korean government to take a stronger stance against malicious and libelous comments from netizens since it was found to have been such a factor in Ms. Choi's suicide. Choi Jin Young (1970-2010)
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Choi Jin Shil’s younger brother gained interest from producers because of the fame of his sister. He landed a small role or two, but people eventually lost interest in him as an actor. As a result, he fell into severe depression. He unsuccessfully attempted suicide a few times, but less than two years after the death of his sister, he managed to succeed. He did not blame his sister or his family, but constantly being compared to a highly successful sibling is definitely not the easiest way to live. My humble psychological analysis is that Choi Jin Young had lived completely under the dome of his sister. So when she committed suicide, he couldn’t go on and did the same. He even chose the same suicide method as his sister when he ended his own life.
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Some readers might be wondering, "What can we do about it? Why are you telling us this?" Simply put, we can all do something. When we have opinions that aren't so nice, we can keep them to ourselves. We can report the malicious comments by other internet users. We can help clean up the negative comments and prevent whatever terrible effect it has on celebrities. After all, they’re people just like us and each one struggles with their own issues that are often compounded by hateful, mean comments. More than anything, just take a stand when you see malicious comments online since those comments can be such an emotional and mental strain on celebrities. While these beloved celebrities succumbed to suicide, many more have been able to beat it! Celebrities like Brian Joo, Lee Sang Min, SHINee's Key, and many more have all admitted to self-harm or suicidal thoughts. In addition, several of our own staff members at WTK are also attempted suicide survivors. If we can make it, so can you! Please know you are not alone. We should understand that depression can affect us all, but suicide is never the answer. No matter how terrible your own situation is, ending your life is not the best way to deal with your problems. If you or a loved one struggles with suicidal thoughts, please get help immediately by calling 1-800-273-8255 or chatting online with a counselor from the National Suicide Prevention Lifeline. For international suicide prevention, please view the list of crisis centers and suicide hotlines in your own country by clicking HERE. If you suspect one of your family members or friends is suicidal, click here to see a list of common signs of suicidal thoughts. You are not alone! Get help today. Let's all work together to stop suicide.
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*This article was originally written by author Park Chohwa. Additions have been made by lee1086. Media: As Credited Read the full article
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I am 21, and have been driving since I was 16. How much will my insurance be?
"I am 21, and have been driving since I was 16. How much will my insurance be?
My parents always paid for my insurance (dont hate) and now I want to use the car for a courier service. How much do you think my insurance will cost me?
BEST ANSWER:  Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr 
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State farm car insurance question?
My bf was in an accident recently where he was rear ended at a stop light. The other driver was ticketed and no one is contesting the fact that the other driver is at fault. My bf decided to go through the other driver's insurance (state farm) rather than his own so that he wouldn't have to pay a deductible. He needs about $600 worth of body work done. After going through all the hoops, he was told to take the car to a local body shop & that he would be approved for a rental car while it was being repaired. Today, he took the car to the shop, but they told him they won't take it until March 21st (about 3 weeks from now). Until then, they expect him to drive his DAMAGED car. He drives long distances pretty frequently (usually visits me an hour and a half away every week or two) and neither of us are comfortable with the idea of him getting on the interstate in a damaged car. What recourse does he have in this situation? It seems pretty unfair that the accident was someone else's fault entirely and he is going to be stuck waiting almost a month to be put whole again :( I suggested that he call state farm and let them know that he's not satisfied with their solution, but he doesn't think it will get him anywhere. Does anyone have experience with this sort of thing? Thoughts in general?""
Why do we need health insurance?
People complain about not being able to afford health insurance, and people aslo complain that the health insurance they do have doesn't cover what they need it to cover. Doesn't it seem more like health insurance is the middle man that keeps the price of health related goods and services at such a rate that is unattainable by the majority of US citizens? Wouldn't the tens of thousands of doctors be forced to lower their rates to an affordible rate if health insurance, as a standard practice, was abolished?""
Will my car insurance increase?
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What states offer affordable health care?
On Sunday's Face the Nation , Sen. Mitch McConnell advocated the right to purchase health insurance across state lines, currently prohibited. That makes sense when health care is more affordable in states other than your own. So here's my question: In which state(s) is health care affordable?""
Would having a baby affect you car insurance rate?
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Cheapest way to get car insurance ?
I need to insure my car in order to be legal, but i do not want to pay a lot for insurance if the car isnt worth anything, its not worth much but its AWD and gets me where i need to go. Are there any companies that offer low payments for a piece of paper showing i have insurance that i can show a cop if i get pulled over so i wont owe 1500 bucks to the state?""
SO confused about this car insurance issue?
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I was charged for insurance by my auto financing company about 5 years ago when I first started my loan...?
and after about a day I realized that my coverage had lapsed, I obtained my own insurance. I live in California and it is my understanding that you cannot have double coverage and I would be due back any money from a secondary policy that would be pro rated. I am on my last car payment and while looking over my payoff quote I was being charged almost $9/mo. + Interest for the balance of my loan (approx. 60 months). When I call them will I have to show proof of my insurance coverage, I have changed insurance carriers a couple times since then so I'm not sure if I still have the paperwork. Otherwise, would the DMV have a printout I could obtain? Thanks in advance for your help""
Enterprise Rent a Car Insurance?
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I have taken out car insurance last month,i have found a cheaper insurance,i want to find out if i can cancel ?""
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just to stick it to Obama?
What is the cheapest car insurance premium quote?
That you know of , for an 18 year old male driving a group 1 car. Thanks.""
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We are about to begin the process of making a baby and have private insurance threw Blue Cross Blue Shield of Florida. The thing is we didnt sign up for Maturnity care at the begining. We can add it, but will it cover the pregnancy if I didnt get it from the beginning of the policy? I cant seem to find that qustion on thier site so thats why I am asking here. Thanks for all who can be of some help.""
250CC motorcycle insurance-How much should I expect to pay?
I am looking to buy my first motorcycle. I am looking in the 250CC category. I have narrowed down to 1. Yamaha Virago 2. Honda Shadow I am 29 yrs old male with good driving record for car. Have good credit history. How much should I expect to pay for insurance for the motorcycle if I buy 1. NEW 2. USED (my preference). I would probably look for a MB with 10-15K on it.
""Found a Cheaper Car Insurance, What to do?""
Dear Mates, My car insurance is just started 5 days ago. I have paid them around 300 as deposit. I have found somewhere more cheaper then recent one. If I want to finish my policy with them, How much do they Refund me. Please help me if you knows. Thanks""
Anyone ever heard of business car insurance to do a homecare job?
Hi I have applied for a job and been told i got it now they saying i need business car insurance because its a homecare job and its to stop being towed away or clamped anyone ever heard of this and what is it
Selling a car with no insurance?
I am selling my car but have already cancelled my insurance policy. Can a potential buyer test drive my car on their insurance or does my car have to be insured separately?
Does your car insurance premium go up if you have a claim that didn't involve others but was over $1400?
Its just body damage and no one else was involved. Also if I use my rental coverage will that make my premium go up (i.e. is premium tied to how much the total claim cost)? Thanks
Health insurance in california?
i really need health insurance i have a really bad sinus problem & ADD i already had a surgery in the past for my sinus problem and i had healthy families insurance and they paid for it and they used to pay the office visits too my mom only paid $5 copay and since i turned 19 i cant have that insurance anymore is the some other insurance that is full coverage and is not very expensive? i already tried getting medical but did not qualify and i dont have a job because everyone is getting laid off over here
Does anyone know anything about Life Insurance?
I heard on the news that some life insurances might be in trouble..especially if they dealt with AIG. I have life insurance with AARP...Please tell me if I am in danger of losing it....What is the matter with people...Why are they so evil and greedy??? How would I find out if my Life Insurance si still good??
Ticket and insurance rates?
My parents have 3 cars all insured in their names. I am 18 and I have my license but they never put me on the insurance because I almost never drive I usually just bike or get rides so it would be a waste of money putting me on. But recently I had to drive and I got a ticket driving for the first time in about 6 months. I am trying to get my ticket taken off my record but if I can't and it stays on then whats next? will it affect my parents insurance? or will I be forced to get on the insurance too? Is there anything I can do since I'm most likely not going to drive again until I go out and buy my own car later on.
How much would Liability insurance run me for my mobile auto detailing business?
Im looking to start a mibile detailing business within the next year and I need insurance
Where can I get affordable car insurance?
I am a female driver who has had a full licence for over 20 years, but I do not have any No Claims and I have 9 points on my licence. The points are for no insurance and having a defective tyre, nothing which reflects badly on my driving. Does anyone know of an insurance company that will not use this to increase the cost to an unaffordable amount.""
How to select health insurance in the US?
I recently moved back to the states after living overseas for an extended period of time. I've started working as an independent consultant and need to find/sign up for health insurance. I've done a bit of internet research and contacted the groups I'm familiar with in the area I live, but it all seems absurdly expensive. What's the right way to approach finding an affordable plan that suits my budget and lifestyle?""
Should i use life insurance or annuity or retirement?
my wife has a non qualified annuity @ 3% fixed rate. my question is on her renewel medicaid application should i use annuity-retirement or life insurance policy. thanks for any help & may GOD bless.
How do Americans with serious chronic medical conditions get medical insurance that covers all med. expenses?
How do Americans with serious chronic medical conditions get medical insurance that covers all med. expenses?
Why can't I get car insurance?
I passed my driving test on the 11/10/12 I am not the registered owner on the V5 Log Book, my father is already insured on the vehicle that will be handed over to me as a shared car yet, I can't get my own insurance because I had one claim as a provisional license back in 2010, would it be better to go as an additional driver on my fathers policy or somehow resolve the problem as be the policy holder myself. Also my father admits he will be no longer needing the car when the insurance expires, but what do I do? just to be able to drive my car as I've only recently passed and want to go out for a drive!!!! Will the log book eventually need to be in my name so I can insure it? Also I'm having great difficulty with the claims, I can't seemed to be insured just because of a motorcycle accident claim that wasn't even my fault! thanks.""
Do the amount of miles driven affect auto insurance rates?
My policy lists that I have coverage of 12,000 miles a year. I average less than 6,000 miles year however.""
How much does high risk auto insurance cost?
How much does high risk auto insurance cost?
I am 21, and have been driving since I was 16. How much will my insurance be?
My parents always paid for my insurance (dont hate) and now I want to use the car for a courier service. How much do you think my insurance will cost me?
Is it legal in CA for a used car dealer to sell you auto insurance?
i purchased a used car, and the used car dealer put in the contract that I was also purchasing auto insurance thru them...but i wuld get a refund of those premiums when I provided a copy of my own insurance. I never signed any other ionsurance forms with them. i did buy my own insurance later. But, is it legal for the used car delaer to sell me insurance?""
About a car insurance..?
I've just got an instruction permit and wanna take a spin for the first time. But I'm concerned if it's ok to drive a car without my own insurance. The car is my mom's and I'm not sure the car itself is insured or she is.
Insurance and car accident.?
I was involved in an accident in which I struck a vehicle in the rear on 11/15/2004. It was not a bad collision and I was starting to walk-up to ask the driver of the other vehicle if he was okay, when a car rear-ended me and then two more cars hit that vehicle pushing my jeep under the vehicle which I had hit causing severe damage in excess of $3500. My insurnce payed the driver I hit, but I have not received a dime from farmers insurance. I placed a call to the insured vehicle that strcuk me and they told me to use my insurance company to hash-out all the details and to collect funds for repair my vehicle. I told this to my insurance agent (Progressive) and they said they would do that but I didn't have full coverage so that will not happen, I need to deal with the other partie's insurance companies. I have no Idea where to go from here. If I had the money, I would get a lawyer and I am sure that I would have this resolved right now. Does anyone have an idea for me? peace""
How much is the average annual insurance for a mitsubishi evo?
How much is the average annual insurance for a mitsubishi evo?
How much is car insurance for a 17 year old?
How can I find out the cheapest rate?
""Selling my car, insurance question re. test drive and taking it home?""
I'm selling my old car and just want to double check insurance rules. I'm currently insured to drive it (3rd party, fire and theft), the MOT and tax is still valid, the car is in my name. If someone wanted to come and test drive it would they need their own insurance? What if they decided to buy it and drive it home? I'm not insured to drive other cars, just my own. Cheers""
How much do you pay for car insurance?
I live in new jersey, 20 years old, I drive a 1996 oldsmobile, and I'm on my boyfriends parents insurance paying 115$ a month, my boyfriend and I share the car, he's 23 & the insurance was originally 80 then it went to 115$ because his sister got in an accident...I would like to know how much do you pay & what's your insurance company?""
What is the cheapest Michigan Motorcycle Insurance?
I've been searching around and am unsure of which company is actually cheapest. What is average, and what is the cheapest for a 26 year old?""
Can someone else pay for my life insurance?
Can I take a policy out myself, have another person pay for it, and the person paying for it is also the beneficiary?""
My cousin's car got into an accident. How much would the insurance company cover?
My cousin had an accident a few weeks ago. He accidentally bumped his car in the rear of another car. The rear part of the other car is wrecked. The other car is covered by an insurance. How much would my cousin have to pay? Will he need to pay anything given that the car is insured? Please help, I don't know much about insurance and I want to help my cousin""
Graduate student health insurance ?
I am planning on attending graduate school it is not a reasonable option to have a job during this graduate program, what are my options for health insurance, how much should I expect to pay?""
Car insurance away at college?
A friend of mine who is away at school with me (200 miles from home) said he gets reduced insurance because he is away at school without a car. However, he is always driving his girlfriends car. He claims that its OK for him to do this. This sounds a little fishy to me. He is getting the discount because his insurance company thinks he isn't driving, right? If he wrecks his girlfriends car is he covered? I am worried about being in the car with him. I don't want anything defaulted onto my insurance in the case of an accident if its just him and I in the girlfriend's car. Let me know what you guys think!""
HELP with car insurance no claims ?
Since passing my test 3 years ago I've had insurance with countless insurers due to the fact I am useless and they kept asking for information for example proof of no claims and a copy of my license. I have had all my insurance policies cancelled countless times as I can't get proof of no claims as I guess I don't have any because all policies have been cancelled. The problem is now I'm getting quotes for over a thousand pounds when technically I've never made a claim in my life! Is there a way around this PLEASE HELP!
Why insurance companies charge more simply on your car color?
I bought a 1991 Ford Mustang and the color of it is Red. My best friend has the same car, we both have same company, same age, same ticket-free record. And on our insurance bill we got showing the coverage, my payments were $28.50 more than his. I called them and they said it was because of the color of my car. His is blue. Why is this?""
Car insurance question...?
I am currently driving my father's car. The insurance for the car is under his name, so the proof of insurance has his name on it. I have no idea if i myself am supposed to have insurance or not. Am i driving legally? If not, tell me what i can do to be able to. I am 16 and my father and I both live in Florida.""
Teen car insurance questions/advice?
I got my license in June and im obviously am going to be on my parents insurance and will have to pay my share. I know its gonna be costly but can any ither peoPle who got cars/car insurance when they were a teen with a teen type job payed for it all? Any advice? From online quotes ive done its roughly 200$ a month with a large 1st payment and it will be shared but its still alot on top of other car expenses. Any help or advice will be loved
Car Insurance.?
Should car insurance still be payed if the car has been taken off the road eg. S.O.R.N was declared. I say it shouldn't but my neighbour said it should be (he's a man!)
What auto insurance companies are currently appointing in Florida?
I have been a licensed 2-20 Insurance Agent for a year now. Im currently looking for auto insurance companies that are appointing in Florida. Any names and phone numbers of these companies would be a big help. Here are lists of companies that Im currently writing business with: Bristol West Progressive Gainsco Seminoles I need some more companies so that I am not only limited to these four. By the way I am in the SW Florida area. Thanks SO much for your help guys
can you ride a bike without insurance?
Do you really need to apply for insurance? Or just liscence is ok to ride?
""Insurance on parents car, learner?""
basically, i wish to start learning to drive and i personally would prefer to be put on my mums insurance (50 moth quote from her insurance people with me as a learner) as i want to be taught by my dad rather than an instructor (many with dad then instructor after a few months) my question is; if i crash the car, with me driving with L plates with my dad/mum in passenger could or would i effect their no claim bonus OR put their premiums up? they only have a small 1.2""
Bike insurance vs car insurance?
im 18 years old currently going after my A2 restricted licence and drivers licence, what i dont get is why a 27 year old 1.6L car will cost me 5,500 a year to insure while a 1.6L cruiser bike will only cost me 512 a year
How much does car insurance cost for a 19 year old girl?
Living in South Jersey. 2 years with a license. No accidents/ tickets. GPA 3.0+. Good credit score. For a used car newer than 2003. I just need a rough estimate. I don't want some insurance agent to call me for an quote or get random e-mails from insurance companies, right now before I buy a car.""
Auto Insurance ? Never had it. Can anybody help.?
I have called for quotes.. to many auto insurance companies. But since this my first time purchase I am confused, Can someone break down the features of a policy, what am i to have, what is reccomended. thanks , any details will help.""
Will I be able to buy car insurance?Thanks?
Im 19 and I was on my dads Metropolitan insurance company. I had 2004 Honda Civic but my dad had the car title in his name. I crashed my car and I was at fault so now we're waiting for the case to settle. My dad wants to wait for the case to settle before I buy another car. The case might take another year or more before its settled. I would like to buy my own insurance and my own car. How will the insurance work out or whats the cheapest insurance? Thanks
Can I still use my mom's health insurance?
My Mom has Anthem Blue Cross SISC III. I am married but 19 years old, and under the Affordable Care Act, children 26 and under are still supposed to be covered, married or unmarried, unless the adult child has another offer of employer-based coverage . My husband is a Marine, so I have the option to use Tricare, but I do not have my OWN employer-based coverage, so can I still use my mom's insurance? Her insurance plan is a lot better than Tricare.""
I am 21, and have been driving since I was 16. How much will my insurance be?
My parents always paid for my insurance (dont hate) and now I want to use the car for a courier service. How much do you think my insurance will cost me?
What is the best car insurance company out there today?
I'm gonna get a car soon and I'm having difficulty picking an exact car insurance company to insure my car so I just wanted to read others opinion on what car insurance they think is the best.....if availabe tell me the pros & cons....
Insurance question?
When setting up your insurance online does the company know how many years NCB you have? if not could you lie?
""Can someone suggest a good fertiltiy clinic in the Bay Area, California? What Insurance is good?
Has anyone researched on success rate of fertility clinic in Bay Area? Which are the top / best ones? Also what type of insurance should I take up to ensure everything is paid for? Did anyone use Kaiser Vs Aetna?
Car Insurance for 16 year old?
I'm thinking of getting an 04 Mazda Rx-8, like 40,000 miles on it, but I wanna know how much I'd have to pay to insure it. I heard you get a discount for having good grades(G.P.A 3.9) and taking drivers ed. Please give me an estimate.""
""3 drivers, soon to be 3 cars (Insurance)?
I'm a 17 year old who is currently insured as an occasional driver under my parents. They currently have 2 cars. I am looking at buying my own car next week meaning that I will have to be a primary driver. My question is if I put the ownership in my parents name and put it under their insurance would it be cheaper then having it owned under my name and on a seperate insurance company?
Anyone know about car insurance?
I have always wondered about this.... say you were in a car accident with canceled insurance/ no insurance....but the next day you pay it. Then you reprt the accident, will they cover you?""
How can i make my car insurance cheaper?
im finding it more expensive this year than in 2010 to buy my car insurance and yet that was closer to the claims i've had to include (one in july for an sp30 speeding and the other for a none fault accident in my unoccupied vehicle in october). i dont understand this at all and its really bugging me as im finding it hard to get a decent quote. my car also has a rear spoiler which was there when i bought it which is also causing me hassle. is there anything i can do to get the best quote for my car, i'm going insane lol. im in the uk also""
If my car doesn't have collision coverage for car insurance?
if my car insurance doesn't include collision damages (when i'm the violator), does that mean my insurance company (geico) doesn't pay for any of my car's damages?""
Cheap car insurance for Land Rover Discovery?
I'm about to buy a 03 Disco and was wondering what everyone is paying for car insurance. I'm 25 with no accidents on my record, but the quotes I keep getting seem to be outrageous. I'm just curious if that is common or if there is a company with decent full coverage rates for discoveries. Thanks for the help""
How much would insurance for a Lamborghini cost?
I'm most curious about the Sesto Elemento which I believe is being ordered for $900,000. Also license plates if anyone knows how much those would cost. I'm just curious, I'm mot rich.""
I am 6wks pregnant. Insurance companies wont accept me now. What do I do?
I am afraid to call other places and tell them I am pregnant b/c i know they wont accept me. I need to find a place that will cover me and my baby. I don't know where to start to look. Help please to point me in the right direction.
As a 22 female driver about how much would a 2010 camaro insurance cost? i have a perfect driving record?
As a 22 female driver about how much would a 2010 camaro insurance cost? i have a perfect driving record?
How much will motorcycle insurance and registration cost me per year?
I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.
Republicans: If your wife or mother died of breast cancer due to Blue Cross terminating her insurance on a?
flimsy excuse, how would you react? This is exactly what happened in California and several women died due to lack of treatment. As a Republican, would you Glad Hand the exectutive responsible for increasing profits, just take the court settlement and start your life over, or would you hunt down the exectutive responsible for her death and avenge it?""
Rising insurance premiums?
what would happen if (on the 1.1.12)all honest vehicle drivers with rising insurance rates just said no i'm not paying that much, its dearer than last year SHOVE IT then carried on driving""
Car insurance on eclipse?
i recently had suv and a pickup truck. ar insurance is about $500 a year through farm family were on the farm policy so its a lot cheaper. I recently sold my truck (diesel) got tires of the awful gas milage (ford f-250). with the cost of diesel going way up again it was costing on empty-full $150 thats total b.s. anyway i been looking to get something with good gas milage that does not cost a lot to fill up. i have been looking into cars and taken carefully into consideration they get better milage but i have seen cars even is 20 mph accidents totaled. my next question is how much would car insurance be on a eclipse. if i did get a car i don't want a pice of junk looking old lady car i would want something that looks very nice. i was looking into the mit. eclipse/spider. was curious how much car insurance was if i stayed with farm family. i was going to call and ask them but i don't have the physical car yet and they would need to know exactly what kind of car year etc it is to give me the exact amount. I'm 22 years old with 5 years driving experience. only 1 accident. (old person was in hurry to airport for vacation told me and cop he did not think it it was needed to stop so he ran stop sign and hit me. i have owned 2 pick ups, 1 trail blazer. pickups, ad suv's fall under farm category cars don't so i am sure it would be more then what i pay now. i don't want to switch insurance either i hear horror stores with others. farm family paid me every time that week for accident repair i hear others you won't hear from them or they don't pay you or hospital bills if its needed farm family does. my spelling is not the greatest at it i got a little lazy.""
Can you apply for health insurance with a work permit?
United States only. people with the differed action, that obama passed a few months ago are planning to apply for health insurance. Are they able to ? and if they are how will it work""
Got ticket for car insurance but have liability in my moms name?
Drove my moms car and officer gave me ticket for no car insurance even though I showed him one under my moms name can I show it in court and get it dismissed?
Should I sue my parents...?
When I was 4 years old I was in a car accident and my parents had a settlement with the drunk drivers insurance and recieved 100,000 dollars for me. At such a young age I didnt really know what was going on and they told me that it had to be put up till I was 18 and I couldnt have it. Well that money is no longer there and I am now 20. As I grew up they told me that it all just went to lawyer fees but obviously I am old enough now to know better. I found out from other family members that they just blew it. I am now married and have three month old baby and I could have used that money to help get a house for us or help with the financial problems that come with being a new parent or newlywed. Should I sue them to get what was mine to begin with and if so how do I go about it and what are the chances that I will win?""
How much for car insurance?
Ill be getting my permit in a year and drivers license in 2. Im from Minnesota and i was wondering how much car insurance would be? I already have a car, its a 2006 Sebring Chrysler. Sooo any ideas?""
What are short-term life insurance needs?
I currently have a 5 year term life insurance policy with State Farm and I was wondering if it were possible for me to make a withdrawl or loan from this policy. I researched this some and on some websites it said it wasn't possible; however whenever I look on State Farms website it says the below: The State Farm 5 Year Term policy provides affordable life insurance protection for a five year period and is renewable for subsequent 5-year periods until age 85 (age 80 in NY). It is great for covering any short-term life insurance needs you may have. Short-term life insurance needs may include such things as: * Car loan * College tuition * Home equity loan * Mortgage loan * Business loan * Student loan * Key employee Term insurance may also be appropriate when your life insurance needs are great but your budget is tight. Does this mean I can make a withdrawal so that I can pay off my student loans? Also, it seems that my policy has ended in December; however, I was still charged this month. The policy started in 2005.""
Cheap health insure in california?
Cheap health insure in california?
Car crash insurance? Insurance?!?
Ok, I crashed my toyota corolla 1997 from the back, the guy didn't have insurance, a license, or papers!, the guy who crashed me had a ford escape or explore. anyways I made a claim thru my insurance (Mercury Insurance), they approved the claim and are offering me the money for my car ($3,000) but a $500 deductible, do I get to keep my crashed car or will I have to give my car to Mercury Insurance?! Thanks!""
F1-visa student insurance?
I'm traveling to the US to study there and I was looking through a list of insurance companies other than that the university offers ( which isn't obligatory) and I found this company called ISO http://www.isoa.org/ Is it a good insurance company? I mean the rates it covers and the price of the plan is really good. The Gold plan is 39 dollars per month, meaning it's only 468 dollars per year ! Is that expensive, cheap, or just good ? Do you recommend other insurance companies that could be better and affordable ? Thank you.""
A good first car that is cheap to insure?
Hey well I am a 18 year old male and am looking at first cars but i want something that looks good cheap to run and has CHEAP insurance, can anyone surgest any motors?""
I am 21, and have been driving since I was 16. How much will my insurance be?
My parents always paid for my insurance (dont hate) and now I want to use the car for a courier service. How much do you think my insurance will cost me?
https://www.linkedin.com/pulse/car-insurance-accepting-claims-when-been-policy-2-years-varnado"
0 notes
extremebookism · 7 years ago
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Huge Important Life Update!
There aren’t really enough of you following me, nor have I been here for long enough, for you to notice I was gone for a few days. Yesterday, Wednesday the 10th of December 2018, was when I was due to be told whether I got an offer from Oxford to study there next year.
And I did! It wasn’t from the college I originally applied to, but it’s from a lovely college that I’m already loving.
For those of you not living in the UK, here we file university applications before January of Year 13, but we don’t get our grades for the Sixth Form exams (Year 12 & 13) until the end of the year, so we apply with a personal statement, and professional predictions of our grades from our teachers. Universities can then choose to give you an offer, which is an acceptance which is conditional on you getting certain grades at the end of the year. My offer from Oxford is A*AA, which is attainable for me if I work hard enough.
This means that this blog is definitely second to my studies, but it’s also important for me to have this space for relaxation and fun, so by no means will I be leaving it - I may even use it as a way to motivate myself to study because I can only update after that.
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rebeccahpedersen · 6 years ago
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Days On Market: Do’s And Dont’s
TorontoRealtyBlog
Oh wow, am I ever having a flashback to childhood.
Do any of you know where I’m going with this one?  If the title of today’s blog post is any indication, you might recall:
“Don’t do as Donny Don’t does.”
Remember that line from The Simpsons?
Even as a child, I knew that the writers of this show were including just enough cerebral humour and jokes geared towards adults to keep them from turning the channel when their kids were watching.
Confusing, but funny.
So goes today’s blog title, although many of the readers will not find the antics pertaining to days on market all that humourous.
What are days on market?
Simply put, it’s how long a property has been listed for on MLS.  We abbreviate as “DOM” sometimes, and yet expect everybody to automatically know what this means.  DOM is a statistic that, like many others, has been losing meaning over the last few years.  “Sale-to-List ratio” is yet another example, and we have explored this at length before.
Have we ever had a dedicated blog post about DOM?  I don’t think so.
And yet I do believe we’re at the point where one is necessary.
So today, I’ll explain some of the current issues with the days on market statistic, specifically how the stat is used, and I’ll ask a series of questions.  For those of you that are in the market, or have been recently, and/or those MLS junkies who have their own thoughts and opinions about how things should be done, please feel free to answer the questions as you see fit.
As mentioned in a blog post two weeks ago, a reader emailed me out of frustration and told me that agents were starting to utilize a new technique that allowed them to increase their personal stats: sell a property, and then simply terminate the listing, and re-list new, hence showing zero DOM.
She emailed me the property she was talking about, and it was already on my radar.  I had seen this before a few times that week already with other listings.
The major issue we have with DOM is also linked to the issue with “new listings” on MLS, and it has the ability to undermine the integrity of the statistics that the Toronto Real Estate Board publishes.  If a property at 789 Smith Street is listed for sale on January 1st, and sits on the market, unsold, for 42 days before it is terminated, and re-listed on February 11th, then not only do the days on market start over at zero, but the listing counts as a “new listing” when it’s not.
Question #1: Should DOM continue to run on MLS with a property, regardless of re-listing?
Answer as you see fit, but this, of course, opens up other doors that we must walk through.
Let’s say that you would argue DOM should act as an easement, which is to say that it “runs with the property.”
In that case noted above, once the property is re-listed, the next day will show as the 43rd day, not the 1st.
But there are several “what if” scenarios.
Question #1a: What if the price has been changed?
Is it really fair to continue the DOM if the price has been changed?
Let’s say that 789 Smith Street was listed for sale on January 1st at $1,199,900, and it was terminated after 42 days as described above.  The property was then re-listed at $1,149,900.
Should DOM start over?
The argument for the “no” side would be that it’s unfair to attribute 43 “days on market” to that listing, at $1,149,900, because it surmises that the property has been for sale that long at that price.  The consumers might be confused, or led to believe something other than what is fact.
The argument for the “yes” side would be that the property is still for sale, and DOM is merely counting “days on market,” regardless of price.
You decide.
Now another nugget:
Question #1b: What if the listing brokerage has changed?
Do we look at “DOM” in terms of the property, or the listing agent?
Do whom, or what, are we applauding or chastising when DOM is low or high?
From the brokerage perspective, it would be entirely unfair to continue the days on market when a new and different agent takes over the listing.  If John Smith of Re/Max has the property listed at $1,199,900 from January 1st to February 11th, the listing is cancelled, and the property is then re-listed with Jane Jones of Royal LePage, then should Jane really “inherit” those days on market?
Perhaps the consumers will say, “I don’t care.  Agent statistics are not my concern, and the integrity of the listing and thus the MLS system should come first and foremost.”
I’m inclined to agree, as a consumer.  But I would disagree as a broker, and I can see a middle ground here.  TREB has, finally, developed a very simple “History” button on our own internal MLS system that allows users to click and have a new browser window open with the entire history of htat property.  Would TREB allow something like that for consumers?  Haha, that was rhetorical.  They never would.  That would be way too helpful, after all.
But buyer agents can run searches, and they should be educating their buyers.  It’s very easy to email, or send multiple listings, and say, “This has been on the market for 2 days, but was previously listed with another company for 43 days.”
Now what if an agent simply wants to “re-start” the DOM?
You know what I mean, right?
The agent wakes up one morning, sun shining, birds chirping, let out a big yawn with an accompanying stretch and say, “You know what?  I don’t like how the DOM are piling up for 789 Smith Street.  I think I’m going to refresh that listing.”
Refresh, re-start, recharge, re-do, whatever you want to call it, we know it looks something like this:
Here’s an example from this week where the property was re-listed for the same price, by the same listing brokerage (not shown).
So is there any difference between these two listings?
No.  There is not.  Same property, same price, same listing brokerage, and yet different “days on market.”
Question #2: Should a listing agent be able to re-list for the same price, and re-start the DOM?
I think this is a spot where most of you will agree the answer is “no,” and personally, I wouldn’t disagree.
This is a blatant end-around the integrity of DOM, and completely undermines what it is, and how it is supposed to help guide consumers.
For all intents and purposes, this house is now on its 27th day on market, no questions asked, no debate.  And yet here we see the listing on day zero.
So shall we outlaw this practice?  Most certainly!
But then it merely encourages agents to re-list at $1 lower, and we start to play games once again.
On the front of agents’ MLS home pages they all have a customized feature called “Today’s Listings,” as seen here:
I live in this box, really, and truly.
I click those links dozens of times every day, maybe into the hundreds.  It’s how I choose to monitor market activity and new listings, and I check every single night at 11:50pm before the new listings reset.
So what are the “updated” listings, you ask?
Those are listings that have been altered in any way.  You’d like to think that this reflects price changes (or increases…), removal of “offer dates,” or more important matters.  But agents know how to manipulate listings to ensure their listings show up in the “Updated Listings” section, often by simply inserting a single comma into the text section.
My point is that if we were to outlaw the practice of re-listing at the same price, with the same agent, to try to “re-start” the days on market to zero, I believe that agents would think outside the box in that regard, just as they already do with respect to Updates.
Moving on, how do the days on market work with regards to a conditional sale?
Well, if you list a property on January 1st, and the property is sold conditionally on January 10th, but the waivers aren’t all completed until January 20th, how long is the property on the market?
You would argue that the property is on the market for 19 days.  Technically 20, but MLS has this notion of “zero days on market,” as we know.  Semantics…
When it comes time to input the actual “sale date,” there is a grey area.
Some might believe the property was “sold” on January 10th, and some might believe it was “sold” on January 20th.
And guess what?  It’s up to the user to decide.  I have add/edit capabilities on MLS, so I can do as I please.  See:
Many brokerages have an administrator do this, and many allow their agents to do so.
Bottom line: the actual “sold date” is a grey area, and that affects the days on market.
Question #3: Should ‘days on market’ reflect the total days before a firm sale, or only up to the conditional sale?
The easiest answer is, “A sale is a sale.  Use the first date, and as a result, the days on market will be an unintended benefit.”
Okay, sure.  But what if the property is sold conditionally on January 10th, then the waivers are due on January 20th but the deal falls through.  Then the property is re-sold on January 31st, firm?  Wouldn’t that throw the previous methodology out the window?  You simply can’t have it both ways.
And for those agents who do believe that the “sold date” is the date on the offer, which date on the offer is that?
a) The offer date b) The date the confirmation of acceptance is signed
An offer written on January 10th might not be formally accepted, conditional or unconditional, until January 12th if there are sign-backs.  So in the case where an agent argues the “sold date” should reflect when the property was first sold, ie. conditionally or unconditionally, they might still choose from two dates.
As with anything a prospective real estate buyer may see on MLS, whether it’s functionality of the site, layout of the listings, features (or lack thereof), or metrics and/or statistics, there are going to be differences in opinion with respect to what should and shouldn’t be done.  We can always build a better mousetrap, and we can also agree that the forces of good and evil will always intersect among the agent community.
I don’t believe that a statistic or a metric has a purpose if it cannot be, a) properly defined, b) properly implemented, c) protected from misuse.
When it comes to the days on market metric, we don’t really know how to define it, we certainly haven’t implemented any standards, and clearly the metric has been misused.
This isn’t quite as bad as reporting sales at $1 back when agents and sellers were rebelling against the Competition Bureau’s ruling that forced TREB to share sale data, but I’m in favour of cleaning up any misuse on the MLS system.
Personally, I think Question #2 proposed above has the simplest answer, but again, there’s also a work-around for those agents who don’t agree.
I welcome your two cents on the matter, if you can spare the change…
The post Days On Market: Do’s And Dont’s appeared first on Toronto Realty Blog.
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