#also I dont like watching cars crash so really really hoping the races next year with all these green drivers aren't too bad ����

[sainz100]

Carlos Sainz | F1 London Live in 2017 | x x x x x

[sweetiejunie]

It’s Because I Love you

Summary: Soobin dug himself into a hole and needed his bestfriend to help him out

Genre: Fluff, Friends-to-lovers, Slow-burn(ish)

Word count: ~10k (oops sry)

💕 Requested 

A/n: to the anon that requested this. I’m so sorry this took me forever... haha~ I hope you liked it! And writing this actually reminded how much i like writing these. Do you guys prefer these kind of longer fics or the shorter reaction type fics?

Warnings: Some swearing

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      “Y/n i fucked up.”

      Was first line that came out of soobin’s mouth when you opened the door. It wasn’t unusual for soobin to randomly show up at your place. But you really weren’t expecting his presence today, since you knew he would be busy packing to head home for the week break. You were about to greet him but before you could say anything, he beat you to it, his sentence laced with regret and panic.        “What did you do this time?” You answered, “aren’t you supposed to be packing?”        “I- excuse you what do you mean ‘this time’?” He mocked. “Okay, whatever, we’ll get back to that and yeah, i am, but I fucked up real bad,” he repeated.        “Huh?” You took a step back so soobin could enter. “Are you alright? What happened?”       “So you know how all my cousins and sibling are in a relationship right?” Soobin continued, making his way to your couch to sit down. Resting his head back against the cushions as he groaned.       “Yeah, what about it?” Tilting your head as the conversation got more confusing by the second. You closed the door behind you before joining him.        “Well... my brother just called me and may have been bothering me about being the only one that isn’t in a relationship...” he trailed off, “and erm, i may have said i... had a girlfriend. And now my family wants met her.”        You couldn’t help but burst out laughing at his confession, “you did what? You really dug yourself into a hole this time.”        Soobin was the youngest of his family. He was always the one that chose to focus more on his grades than actually making friends. Sure, he went to parties and drank every now and then, but other than that, he rarely did anything short of the ‘perfect son’. But despite all his efforts, there was always one thing his sibling could tease him about, and that was the fact that he was 21 and has never been in a relationship. Soobin always tried to not let this bother him, but i guess today, he just snapped.        “I really did,” he sighed. “That’s why i need your help.”        “How can i possibly help you out of this, soobin?” you ridiculed, glaring at him. “You do know that you’re one of my only friends, right? Meaning, I won’t be able to find anyone to play girlfriend with you.”         “Um, actually about that... i kind of told my family that my girlfriend goes to the same school as me and studies the same major as me. I also kind of told them that she has y/e/c eyes and y/h/c hair.” He sat up, looking for a reaction from you. Instead, all he saw was your blank expression, staring back at him. “Yeah so, if you hadn’t caught on yet, i might have, sort of, just described you to my family.”         Your eyes widened at his statement, you weren’t sure what to reply. You met soobin all the way back in high school, and you’ve stayed friends ever since — 5 years, 11 months, 23 days, to be exact. Not that you were keeping count or anything. You remember the first day you approached the shy boy, the new transfer student sitting at the back alone. He was the first friend you made there. And to makes things worse, you’ve had a crush on him, but you knew better than to confess and possibly ruin the friendship.         You’ve suppressed all your feeling since then. Maybe. Probably. Okay, no. But you’ve tried. And all this talk of ‘pretend girlfriend’ did nothing but make your heart start racing again.        “Why on earth would you do that!”        “I dont know! You were the first person that came to mind! So are you okay with doing me the favour of playing the role of my girlfriend?” Soobin said with a slight pout and puppy dog eyes. A move he knew you could never refuse, “You’re free this break, right?”        His sudden confession was like a blow to your heart. The first person that came to his mind... but it’s probably just because he didnt have many female friends, right?        “Erm...” you paused. The more you thought about his proposition, the more you found yourself weighing the consequences.        “Come on y/n. Please? We already get engaged every other week at clubs for free drinks. This won’t be that much different.”        “Would your family believe it? I mean, it’s me.”        “Sure they will. And it’ll be easy to fake it since you already know me.”        You paused for another second before replying. “Hm, right. Fine. But you owe me. Do i have to bring anything?” You were helping out a friend.         A friend. Nothing more, nothing less.        “Nope, just bring enough clothes. You don’t need anything too fancy,” he stood up, leaning down to give you a quick hug. As he walked towards the door, he looked over his shoulder before leaving your apartment. “Thanks for doing this, i really owe you. I’ll pick you up at 7 tomorrow after our classes, alright? See you then.”

————-————-————-————-

        After an hour, three outfit changes and completely unpacking and repacking your luggage twice, you were finally satisfied and ready to go. It was only a weeks worth of clothes in a small luggage, yet, you still found a way to overthink it. In the end, you had settled for a simple tee with jeans and a coat to keep you warm for the ride.         Already, you were beginning to regret your decision of going along with this whole ‘fake girlfriend’ act. It had nothing to do with soobin or his family. They were absolutely wonderful, his parents were kind, his siblings were fun and sweet and his baby nephew was, well, a baby. The only problem was what if your heart liked the idea of being his ‘girlfriend’ just a little bit too much?         You had met his siblings and parents a handful of times when they visited him at his apartment. They’ve always been nothing but nice to you, and now, you were going to have to lie to them. The more you thought about it, the more your mind was playing angel and devil with you. On one hand, you didn’t want to spend the weekend being dishonest and possibly screwing up the image soobin’s family had of you. But on the other, you wanted to be selfish and be able to call soobin yours, even if it were just for a few days.         You sighed quietly, sitting in your living room waiting for soobin to pick you up like he said he would. The entire day you had been unable to focus in your classes, whatever your lectures said just going right through your head. At this time on fridays, you would normally have found soobin dressed in any lounge wear he had, crashing at your place to watch whatever movie he found that week. But now, you were going to find him dressed up, ready to bring you to meet his parents. The relationship sure escalated quickly. Just as your mind started drifting further, your doorbell rang.        “U ready?” Soobin’s signature eye smile greeted you, his front bunny teeth exposed. You’ve always noticed how soobin’s appearance resembled that of a bunny, but no matter how many times you tried to tell him, he didn’t want to believe it.        “As ready as ill ever be,” you returned the smile, grabbing your luggage and locking your front door.        Well, this was it, no turning back now. Helping you with your things, soobin lead you to his car and started the journey. It was only about a 3 hour drive and a car ride proved to be a great distraction. You hadn’t been to soobins hometown before, so being able to look out the window and see the scenery was no doubt better than sneaking glances at soobin in the drivers seat. You just knew that if you saw soobin, with one hand on the steering wheel, and the other propped on the arm rest, you might have gone into cardiac arrest.        The ride was quiet for the most part, that was until soobin pulled up at a red light. “I made a playlist,” soobin flipped his phone around to show you and connect it to his car. “It’s like, if you were my real girlfriend, this would be the playlist i would share with you.”        You couldn’t help but smile when you realised how sweet soobin would be in an actual relationship. His future girlfriend is really lucky. But you had to control yourself, reminding yourself that it’s all just pretend for the week.        “I’m sure its great. You have great taste in music,” you faked a laugh. “Um... so... soobin? How exactly are we supposed to fake this? I mean, what we supposed to do? What will your family do?”        “Oh...” he started, his eyes focusing back on the road, the lights turning green again. “To be honest, i haven’t actually thought about that part yet.” Drumming his fingers on the steering wheel as he thought. “Mmm, when my brother first brought his girlfriend home, my family teased him a lot, just to make fun of him and get her reaction. But they already did that with you whenever they visited me so... I’m not sure what they’ll do, honestly.”        “Oh...” That was completely unhelpful. Pulling your knees to your chest, you continued staring blankly out the window.        “Hey, don’t worry too much okay? We’ll just wing it like we do everything else. And that’s worked out for us so far, right?” Soobin chuckled, trying to comfort you. “As for what we need to do. I guess it’ll just be all that couple stuff like holding hands and hugging. And you’re already such a cuddly person, that shouldn’t be a problem for you. We got this, alright? And I’ll be with you the entire time.”        You nod a response, “yeah, we got this.”        On the outside, you tried to seem cool and composed. On the inside however, you were a mess. Sure, you and soobin already had your fair share of cuddles when he showed up for a movie night at your place. And on the days he was too lazy to go back to his dorm, you would find him whining and groaning for you to make him breakfast the next day. But now you were expected to act that way in front of his family? That was a whole new level of stress you didn’t think about when you agreed to this.         After a while more of driving, it was a little over 10pm when soobin finally pulled up alongside the curd in front of his house. The remainder of the car ride had been relatively silent, except for the playlist that soobin had made for you, and the occasional mindless singing you would start that turned into a carpool karaoke. Getting off, soobin unloaded his and your luggage and lead you to the front door.        Probably noticing your nervous state, soobin grabbed your shaking hands. “I’m right here alright?” He smiled, “it’s show time.”        With that, he rang the doorbell. And not 15 seconds later, soobin’s sister answered the door.        “Soobin!” She greeted, pulling him into a hug, “we’ve been waiting for you and- oh! Y/n! I knew it. Same major, y/e/c eyes, y/h/c hair. If it wasn’t you, i was about to kick his ass.”        “Hah, yeah, surprise?” You said, the last part sounding more like a question than a sentence.        “Aish, this boy. The previous night on the call, he just told us he’ll be bringing his girlfriend home, gave us a description but never told us who. Left us all to wonder who she was and well,” she chuckled, putting an arm around soobin’s shoulders, “if she even existed. I’m glad it’s you, the first time we met you, i already knew you two would end up together.”        “Wait, so you all took guesses on who it was?” Soobin chimed in, shooting a glare at his sister.        “Well, yea! All of us pretty much guessed y/n. Except for mom though, she’s kept quiet about it. But i guess it was just because she didn’t want to get her hopes up.”        Looking at soobins annoyed expression, you laughed. Shrugging of his sisters arm, soobin grabbed both your luggage, pushing past his sister and pulled them into the house. “Alright, alright, just let us in already, its freezing out here.”        “It’s nice to see you again y/n,” his sister said as she held the door open for you.        “Likewise.” You smiled before stepping in.        You’d never been to soobin’s house before. Sure, you’ve seen bits and pieces of it when the two of your FaceTimed over the holidays, but never in person. In the hallway where you stood, were the stairs that you presumed lead to the bedrooms. Sporadically placed were a few house plants that looked as if they had been watered quite recently.  The walls were littered with family photos, and most noticeably, soobin’s baby pictures. You smiled looking at them, taking a mental image of the cute, little baby this giant once was.        Closing the door behind you, soobins sister spoke, “you guys wait here. I think mom and dad are in the living room. I’ll go get them.”        As you saw her silhouette disappear towards one of the entries, you felt the nerves building up again, “soobin...” you tilted you head up to look at him, your face portraying nothing but worry.        “Don’t worry okay?” Taking your hand in his, gently squeezing for reassurance.“ Just follow my lead and pretend you’re in love with me. Which should be easy since I’m your favourite person,” he joked, in attempts to lighten your mood.        ‘Pretend to be in love with him’. Okay, shouldn’t be too hard, considering the fact that you actually were in love with him and spent years pretending not to be. “Yea, alright.”        Letting go of your hand, soobin walked forward to hug his parents when he saw them approaching.        “Soobin, we were starting to wonder how long more you would take,” his mom said. “How are you? How’s everything at school?”         “Everything’s fine,” he replied. Turning to you, he held out his hand for you to take. “Mom, dad, you know y/n.”        Accepting his hand, you stepped forward to greet his parents. Just hoping that your nervous trembling wasn’t too obvious to the naked eye.        “Ah of course! How could we ever forget,” his mom smiled.        “We always knew the two of you would end up together eventually. He’s always been so obvious about you,” his dad added, causing blood to rush to your cheeks, and soobin to immediately retaliate.        “Dad! Stop it. No i have not!” You looked around at him just in time to see him cross his arms and roll his eyes, cheeks pink and eyes shining. He met your eyes and looked away, but the grin on his face never faltered.        Hitting her husbands arm, soobins mom scolded, “aish, stop teasing them, they just got here. Speaking of which, have you two eaten?”        “No we havent, actually. We came right after school,” soobin answered.        “In that case, you can take yours and y/n stuff up to your room and get settled in. I’ll order some food for you. Pizza sound okay?” his mom spun soobin around, pushing him back to where your luggage laid.        “His room?” You thought out loud. Of course they were expecting you to share a room with soobin. What else could you have possibly thought.        “Of course his room,” his mom answered, “you have known each other for such a long time. And i have no doubts there are days that soobin stayed over at your apartment instead of his dorm anyway. There’s no way I’m letting you sleep on the couch.”        With that, you and soobin grabbed your things and headed up to his room. Sure, the nights soobin stayed over you have shared a bed before. But this time, it just felt different. Even though everything was still purely platonic, the element of you being in his home, pretending to be his girlfriend, was still no doubt intimidating.        “See? That wasn’t so hard, was it?” Soobin asked rhetorically, snapping you out of your thoughts. He laughed, clearly taking the whole situation a lot lighter than you were.        Opening the door to his room, it was exactly how you pictured it when he called you. You stood at the doorway, it seemed so familiar, yet unknown at the same time. His bed in the corner of the room with a few pillows and plushies, at the other end, his desk and wardrobe filled with clothes he left behind. His walls were mainly bare, except for one that had a few old polaroids hanging loosing from the ceiling. It felt weird being there.        “Well, don’t just stand there,” soobin grabbed your luggage from you, pulling you in to the room so he could close the door behind you and crashing down on his bed. “First, let me give you the official welcome to mi casa. My family is a lot, but you already knew that. Make yourself at home.”        “Honestly, i cant believe they bought it so easily,” you let out, taking a seat next to him.        “Told you they would. My family probably loves you more than they love me.”        You laughed halfheartedly, still feeling a bit awkward about the whole thing.        “We should clean up before we head back to the wolves den for dinner. The bathroom is right down the hall to the right. You can go first, ill clear a drawer for you,” he offered.          You nod, gathering your things for the night.        This is all just pretend.

————-————-————-————-

       The shower definitely helped calm you down a bit. You loved the warmth of the water against your skin.        “It’s just for a week. Dont get used to it,” you muttered to yourself.        Getting out, you quickly dressed yourself in a tshirt and some shorts. The normal attire you wore to sleep, anything else was always just uncomfortable for you.          “You’re turn,” you announced when you entered soobins room again.        “That was quick. Here, take one of my sweaters.”        “What for?” You shot him a look, raising brow. It wasn’t as if you hadn’t stole his hoodies before, it was just the fact that he was offering it this time.       “You’re supposed to be my girlfriend, aren’t you? Girlfriends always take their boyfriend’s clothes.”        Fishing a plain, red sweater out from his wardrobe, he threw it in your direction, hitting you directly in the face and causing you to yelp a little. “Besides, you already take all my hoodies. This is no different,” he continued, eyeing you as you pulled it over your head.        As usual, soobin’s clothes were huge on you. And this sweater was no doubt oversized, even for him. “How do i look?”        You looked to him when you didn’t get a reply. But this only caused him to turn away from you quickly, mumbling something to himself before answering, “it’s my clothes, it’ll look great on everyone.”        Scrambling to gather his things, he left for his shower. You could have swore you saw him blushing when he was looking at you. But you brushed it off as your overactive imagination. You decided to swiftly blow dry your hair before laying on his bed, scrolling through your phone while waiting for him. You were hungry, practically starving, but there was no way in hell you were going to face his family again on your own. With your new status, god knows what they would do or say.        A mere 15 minutes go by before you hear the door open again. Revealing a damp haired soobin, dressed in a white tee and sweatpants. A simple look you have seen many times over the years, but one that still made your head and thoughts hazy.        “Ready to go down?” He spoke, smirking at you, almost knowingly, “I’m starving.”        “Ye- yeah,” gathering your thoughts, bringing yourself back to reality.

————-————-————-————-

       Dinner with the family wasnt all that bad. Sure, there was the occasional teasing and questions. But that was to be expected. Any parent would have been curious, right?        You let soobin take the lead on most of those. You didn’t want your cover to get blown by having any clashing answers. Once in a while you would feel soobin grab your hand under the table when he needed your help, but for the most part, they were the basic questions like “since when?” Or “who confessed first?”. The usual relationship stuff, nothing too hard. And it was a lot easier with the fact that it was you and soobin, the two friends that have mastered the art of bullshitting your way out of situations.         At the end of the day, the awkwardness ended soon after it started. With it being past midnight, Soobin’s family had long gone to bed, leaving you two alone in the dimly lit kitchen to finish up your dinner, which had quickly became supper.        “So, how was day one of being my girlfriend?” He looked over to you, munching on another piece of pizza. Even in that horrible lighting, he still managed to take your breath away. No one could possibly look good with dull, ugly, yellow kitchen lighting, but somehow, he did. The way the soft light bounced off his skin, partnered with the reflection in his eye that gave that perfect shine to them. You were sure you looked horrid next to him.        “Mmm, it’s alright i guess,” you teased, earning a pout from soobin. “You big baby. I’m just kidding,” nudging him on the shoulder, causing you both the laugh.        You didn’t know why this question surprised you as much as it did. Maybe you wanted to flip the tables, or maybe you just weren’t expecting the answer he gave. “So how was day one of having me as your pretend girlfriend?”        He thought about it for a second before facing you and speaking. “Honestly, it’s been fun. Even though we haven’t done much. But then again, i always knew you would be great girlfriend to someone one day.”        ‘Someone’. If only you could tell him how much you wanted that someone to be him. If only you had the guts to say what’s was on your mind.        “Want to play some music?” Breaking the silence, soobin picked up his phone, quickly scrolling through his playlists before stopping on one he named ‘midnight’. “It’s just some chill songs i found that i thought would be nice to listen to at night.”        The playlist started and the first song to play was ‘what falling in love feels like’.        “Oh, i love this song,” you mindlessly stated between bites.        “Really?” Soobin replied. “I never heard you listen to classical music.”        Your eyes widened slightly when you realised what you said. You didn’t just listen to classical music. You’ve also imagined what it would be like to slow dance to it.        “I never really told anyone... but i always wanted to dance with someone to this song. It’s kind of embarrassing to admit,” you trailed off, the surface of the counter suddenly becoming more interesting. The dead of night had you confessing unspoken words.        There was another second of silence. You could feel soobin’s stare on your face. He was judging you. You were sure of it. Now you were just mentally preparing yourself for a laugh-        “Let’s dance.”        “What?” You weren’t expecting that. You shot your head up, seeing his outstretched hand.        “Let’s dance,” he repeated.        You reached for his hand, but didn’t grab it. You were hesitant. Never would you have thought you’d be slow dancing with your crush — of over 3 years, in the kitchen of his childhood home — at midnight.         He held you hand, helping you to stand before twirling you into his arms. He lead your hands around his neck and his around your waist. You fell in step, letting the rhythm control your movements. Your eyes gazing into his brown, glistening ones, a soft smile on his face. It felt like a dream. Your surroundings and any other disturbances dissolved. It was just you and him. Right here, right now. You stayed like that, dancing. Everything felt just... perfect.        “You know i’d never judge you right?” He said, his eyes watching your expressions closely. “I know that’s what you were thinking earlier.”        You looked away, unable to find the right words. Soobin always had a way to read you so easily. Every once in a while he would remind you how expressive your face was. And you were certain a blush had crept to your cheeks when you heard soobin chuckle.        “You silly girl. You can tell me anything. You know that. After all, you are my best friend.”        “Right... best friend,” you offered a small smile to mask the resignation in your words.         And just like that, the song ended. Soobin let go your waist. Leaving nothing the ghostly feeling of where his hands once were and the sensation of having his body so close to yours.        “It’s nearly 1am. We should go to bed soon,” he nodded towards the clock on the stove. “You can head up first. I’ll clean up here and join you in a bit.”        You nodded. Once you were back in his room, you crashed on his bed. Regret and agony the only things left for you to feel.        Why did you agree to this. You knew it would be hard. But not this hard.        You rolled over to your side of the bed. And true to his word, soobin entered shortly after. Climbing under the covers with you, poking your side when you paid no attention to him.        You jumped, immediately facing him. “What was that for!?”        “Nothing,” he laughed. “It’s just fun to do that to you. I have a fun day planned tomorrow, so get up early. Good night y/n.”        “Good night, asshole.” You scoffed.

.

.

.

       The next morning you woke up to a post-it on your head. You tore it off and looked around the room but soobin was nowhere to be seen. You groaned, sitting up to stretch and read the note.        ‘Wake up sleepyhead. Come to the kitchen for breakfast.’        Oh, how you wished the entire night before had been a dream. But alas, it wasn’t. Pulling yourself out of bed, you cleaned yourself up and descend the stairs. The smell of fresh pancakes engulfing the entire house.        “Good morning y/n,” soobin’s dad greeted you when you entered the kitchen. “Grab a seat. Breakfast is almost done.”        “Your dad cooks?” You whispered as you pulled out the stool next to soobin.        “Mainly breakfast. But yes,” he whispered back.        Soobin’s dad placed a plate in front of each of you. 3 pancakes a piece, and more to come. “Butter or maple syrup?”        “Both,” soobin smugly answered.        “And you y/n?”        “Ill have both as well, thanks,” you smiled before facing soobin. “Where’s your mom and sister?”        “My mom went to the store. And my sister doesn’t get up till later.” Soobin grabbed the syrup his father had just put on the table and poured a generous amount. His attention was fully on his food.        You couldn’t help but grin at his childlike manner. He always loved breakfast. Or any dish that can be both sweet and savoury actually. You both enjoyed your breakfast, watching soobin’s father flip pancakes, cheering when it landed, and messing around while cooking as your morning source of entertainment.        “The pancakes are really good, mr choi,” you complimented.        “Why, thank you y/n. You always have been such well mannered,” he said. “Hopefully some of that will rub off on my son soon.”        “Hey! I am well mannered,” soobin retorted.        “Oh, really now,” you taunted, giving him a look of disbelief.        Soobin tsked, lightly pushing you over. “Okay, whatever. Anyways, hurry up. I’m going to show you around town today.”        “You two don’t come back too late now,” his father added. “And bring a coat, it’s supposed to get colder today.”        Stuffing down the remainder of his food, soobin linked your arms and dragged you out of the kitchen the moment he saw your plate empty.        “Hey! I’m not done yet, i wanted one mo-!”        “Bye dad!” Soobin interrupted, ignoring your plea.

————-————-————-————-

       “So much being well mannered.” You mocked.        “Not my fault you wanted to eat so much,” he shrugged.        Both of you strolled along the road. You weren’t sure where soobin was bringing you, other than his aforementioned ‘town’. Despite it just being the two of you, soobin still dressed nicely, in a turtleneck and scarf with a black coat to go over it.        “Wait...” you started, noticing a passing sign. “Why does that say the town is the other way?”        “Cause i changed my mind. I’m bringing you somewhere else,” he replied, shooting you one of his, oh so charming, eye smiles. “I’ll bring you to town another day.”        “This way’s to the forest,” you raised an eyebrow. “Are you planning to kill me or something? After 6 years of friendship. This is how you want to end it?” You dramatically gripped your chest and joked. “I’m sorry for whatever i did. I can change, I swear.”        Soobin rolled his eyes and guffawed. “Of course. This has been my plan all along. To befriend you then brutally murder you among the trees where no one can find your body,” he played along. “Relax, I’m no murderer. An avid liar? Maybe. But not a murderer. I just want to show you something.”         You hummed a response and continued on your way. Not long after, soobin was leading you down a path in the deserted forest. As the path reached deeper into the woods, the trees got denser.        “Erm, soobin, where are we going?” You called from behind him. “I’m really starting to question the whole murder thing.”        You’re not going to lie when you say the woods kind of crept you out. You could have sworn you felt someone behind you. But when you turned around, there wasn’t a soul. The twigs and dead leaves making a deafening crunch under your feet as the — seemingly never-ending — journey continued.        “Just trust me,” he provided a simple answer that proved to be of no help in ensuring you.       As you continued, the sound of snapping twigs got louder. You turned the corner and the sudden sound of birds fleeing their nest startled you, causing you to jump and grab soobin’s coat from the back.         “Are you really that scared?” He laughed. “Don’t worry,” he continued, turning around and reaching for your hand. Gently running his thumb over yours the rest of the way. “We’re almost there. It’s worth it, i promise.”        Having his hand in yours definitely provided some comfort. But it was also making you feel things that you shouldn’t be feeling. After another minute of walking, you finally saw the light at the end of the tunnel. The horrid crunching sound had been washed out by the sound of, well, rushing water.        A waterfall.        You gasped in astonishment at the clarity of the Caribbean-blue waterfall. It was spurting over the basalt rock, spilling eel-like over the ledges. Its clamorous passage at the foot of the mountain threw up bubbles of spray. They sparkled uneasily in the beams of light that shined through the leaves of surrounding trees.        When it toppled into the ecstasy-pool, it foamed it at the bottom. The rest of the pool was as clear as cellophane, allowing you to see down into the rocky bottom. Fronds of forest-green plants waved gently in the depths. The waterfall looked like a sheet of blue velour as it swished down. Its edges were hemmed with whipped-white lines.        “Wow,” was all you managed to utter out.        “I told you it was worth it,” soobin grinned. “Come on.” He lead you closer, collapsing on the bank and letting the nougat sweet smell of flowers wash over him.        You followed suit. “How did you find this place?”        “A friend of mine showed it to me when we were kids.” He said, leaning back against his palms. “We used to hang out all the time here. The five of us. That is, until i moved away for high school.        “I wonder what they’re up to now.” He added after a slight pause.        “You don’t see them when you come back for the holidays?” You asked.        Soobin shook his head. “I don’t get to see them much anymore. I barely leave my house, y/n, you know that. Besides, they’re all busy with their own lives.”        You listened to soobin reminisce about his childhood. You would listen to soobin talk for hours if you could. His words are were like gold to you, or perhaps some elixir you’ve been waiting all your days to hear. He had nothing but good things to say. It sounded like he had a lot of fun here, in the small town he grew up in. You both sat there for a while, gawking at the waterfall when the suddenly rustling of the bushes behind you caught your attention.        “Y/n,” soobin stood up, holding you behind him as the rustling got louder. And then a figure walked through, a boy. He was wearing a brown furry jacket. His hair was a strange shade a pink, but it complimented his skin tone nicely.        “Soobin?” The boy said, folding his arms. “No way. Is that actually you? Mr choi soobin. After all these years.”          “Yeonjun?” Soobin replied, letting go of you and walking up to yeonjun. “What are you doing here?”        “I was on my way out and thought i saw you earlier entering the forest so i decided to follow you. Who else knows this place anyway?” Yeonjun laughed, swinging an arm around soobin’s shoulder.        “So you practically followed, what could have been, a complete stranger into the forest?” Soobin shot him a look. To that, yeonjun just smiled and nodded. “You never change, do you?”        “Nope,” yeonjun answered confidently. “Anyways, are you going to introduce me to the pretty lady or do i have to do that myself?” He gestured a smile towards you.        Beside him, soobin stiffened, his jaw slightly tensing before he answered. “Right... Yeonjun, y/n. We met in high school, she’s my best friend.  Y/n, yeonjun. He was one of my friends i was telling you about-”        “Yeah, until this bastard moved, changed his number and practically became a hermit that never left his house much.” Yeonjun jibed.        “Hmm, that sounds about right. The only place I’ve seen him, other than class or the library, is at my apartment binge watching shows,” you added, causing yeonjun to burst out a laugh.        “You guys are mean.” Soobin grumbled, pushing yeonjun’s arm off him.        “I have a feeling she and i are going to be great friends.” Yeonjun said matter-of-factly.        The three of you sat there, talking for what seemed like hours. Soobin and yeonjun continued to tell you about the different adventures they had together as kids with their friends, beomgyu, kai and taehyun. They recounted all the accidents that happened, all the fun moments they had together. Yeonjun eventually proceeded to tell you about all the embarrassing soobin stories he could think of, sharing jokes and making you laugh. The entire time though, soobin barely directed any conversation at you. Let alone laugh at Yeonjun’s ‘jokes’.        As your laughter died down, yeonjun spoke again. “I have to ask though, what’s she doing doing here? Not that there’s anything wrong with it. I’m just curious. Does she live around here too?”        You looked to soobin, unsure of how or what to answer.        “It’s okay, yeonjun won’t snitch,” he said. “Y/n’s pretending to be my girlfriend for the holiday.”         It hurt you every time he said it. In your head you wished so badly for it to be real. To think, by now you would have learnt that wishing only wounds the heart. And each time soobin said it out loud, it was like a punch to the gut.        “Pretending to be your-“ yeonjun cut himself off by scoffing. “What for?”        “Well....” soobin started explaining the whole situation to yeonjun. To which the only response he got out of the other boy was mockery and disbelief.        “Are you serious?!” Yeonjun exclaimed. “So you two aren’t together?”        You shook your head.        “Oh... good....” he mumbled, grinning in the process. “You have got to be kidding me. But you guys do you, i guess. My lips are sealed.        “I hate to ruin the moment but i have to go. It was nice meeting you y/n.” He tipped an imaginary hat. “It was nice to see you again too, soobin. But let know, the next time you’re back.”        “Right, ill keep that in mind.” Soobin replied.        Just as yeonjun started to walk away, he stopped and turned around once more. “Oh! Right. How long are you guys staying? I’m meeting beomgyu, tae and kai on monday at the diner. You should come,” his eyes travelled to you, “both of you.”        “We cant-“        “We would love to!” You cut soobin off, “come on soobin, you haven’t seen your friends in ages. I would be nice to say ‘hi’ again.”         Soobin stared at you for a second. Maybe it was the excitement in your face or maybe he truly did want to see his friends again. But in the end he agreed.          “Great! Ill see you two monday at 5.” Yeonjun ended, giving a small salute before leaving, for real this time.        Soobin went back to the bay, laying down on the grass, letting out a long held sigh. He stared up at the sky that was quickly becoming darker. The stars and moon announcing their arrival.        “You alright?” You asked, sitting down next to him.        “Yeah, why wouldn’t i be?” He answered, his eyes still closed.        “I don’t know. You just seemed... off just now. Like my or yeonjun’s presence bothered you.”        “It’s nothing. Im just tired.” He sighed again, sitting up. “While on the subject, we should head back. It’s getting dark.”        He stood up and started walking without another word.        Was he mad at you? No... he had no reason to be, right? Was he mad about the joke you made with yeonjun?        You quickly caught up to him and followed him out of the forest. Other than your footsteps against the concrete road and the cicadas that came out to say their daily greetings, the awkward silence followed the rest of the way.        “I’m not annoyed at you, if that’s what you’re thinking,” soobin broke the silence. The entire walk you had your focus on the ground, not noticing the stolen glances soobin took. “Stop sulking. People are going to think i kicked your puppy or something.” He chuckled, bending his waist slight to look at your face.        His face was mere inches away from yours. Memories from the previous night came flooding back. You didn’t offer a response, not trusting the words that would escape your lips in that moment. Instead just turning your face to the other side to avoid his stare. Soobin let out a light hearted laugh and continued walking.          You recalled how soobin always said you had an expressive face. He must have seen something you didn’t realise.        The sky got darker as you continued down the road. The cool winter breeze greeting the concrete and skin just the same, causing you to shiver and wrap your arms around yourself. Mentally cursing the fact that, other than your khaki coat, you didn’t think to wear more layers that morning.        Of course, this didn’t go unnoticed. “Are you cold?” Soobin asked, already shedding off his cherry red, wool scarf.        “No, it’s alright, you’ll get cold,” grabbing his hands to stop his actions.        “I’ll be fine. And we’re only about 5 minutes away,” he argued, wrapping his scarf around your neck. He took your hand, pulling you behind him the rest of the way quickly before you ‘caught a cold’.        The scarf sat snug to your skin, soft and gentle, the ends becoming a colourful flag in the wintry winds. It was still warm from where it sat before. You could smell of his cologne on it. Faint, from the day’s activities. But still prominent enough to know it’s existence.        Your hands trembled in his and you thanked the cold for that excuse. Burying your face deeper into his scarf before he could make out the slight blush that painted your cheeks.        When you reached soobin’s home again, there was a faint chattering echoing through house.        “Oh, i think my older sister’s came for a visit.”        Soobin’s older sister. The one that’s the account, married, with the baby — soobin’s nephew — and the lovely husband. You’ve only ever met them once, well that, and the occasional pictures soobin would send you of him and his nephew. Seeing soobin with babies did things to your heart thats you didn’t like. You’ve already imagined the unlikely scenario of what it would be like to have soobin as your boyfriend. You can’t go fantasising an entire family as well. But you had to admit, he would make a great dad one day.        “Soobin!” His older sister ran and hugged him. He’s always had such a close bond with his siblings. “Mom and dad told me you brought your girlfriend home this time.” She wiggled her eyebrows.        “Hey sis. And yeah, y/n. You know her,” soobin turned to you.        “Of course. The last time i saw you two I knew you’d end up together.” She cheered as if she had just won the lottery.        So, from what you’ve gathered, soobin’s entire family had always had some hopes on the two of two. You wanted to smile at that fact. But at same time, you were lying to them right now. It was a bittersweet feeling.        The remainder of the night went on rather unproductive. You had dinner with his family, chatted with them, played with the baby and that was about it. The worst part came when the family decided to watch a movie together. The movie was great, dont get me wrong. You all sat together and watched kingsman again. Even though it was the tenth time you’ve seen it, it was still yours and Soobin’s favourite.        The bad part came when you had to find a seat. The family couch say four, soobin’s mom, dad and sisters. The older’s husband took one of the arm chairs, leaving you and soobin to share the other. In other words, you ended up having to sit on his lap.        “I can just sit on the floor, its no problem,” you suggested.        “Nonsense. I won’t let you sit on the floor,” soobin rebutted, holding your waist, pulling you back onto his lap.        You swear, if it wasn’t for the dimness of the room, the redness of your face would have matched that of the fire place. Throughout the movie you found it extremely hard to pay attention. Soobin had left one of his hands to rest on your knee and the other around your back. Sure, he was probably just putting on a show for his family. But he didn’t have to do the thumb thing as well. Or gently whisper in your ear, so close that you could feel his breath against your neck.          The rest of the time you couldn’t help but fidget in your seat — which just so happened to be soobin’s lap. As interesting as the fight scene on screen was or the dramatic music playing, the only thing you could focus on was the fact that soobin’s hand had now traveled to your thigh.        And underneath you, soobin’s breathing was becoming short and uneven. He was starting to stir as well before getting up, forcing you to stand and murmuring, “I’m going to head to bed early. You guys enjoy the rest of the movie.”        Within the next beat of the soundtrack, he was dashing out of the living room and running up the stairs.        What...?        You weren’t the only one wondering that. Soobin’s family were now staring at you, his mothers brows furrowed, his sister’s head tilted quizzically. “He said he’s tired,” you blurted, face-palming in your head.        Great. You already felt out of place and this certainly wasn’t helping. You sat down on the, now vacant, chair and continued the rest of the movie with his family.        I’m sure he’s fine. You can always ask him tomorrow.

•••••••••••••••••••••••••••••••••••••••

       You woke up to an empty bed again. But this time there was no post it note or anything from soobin. So you assumed he’d be in the kitchen like before.        “Morning y/n,” it was his older sister this time.        “Morning.” You looked around. No sight of soobin. “Where’s soobin?”        “Oh he didn’t tell you? He went out for a walk around 20 minutes ago.”        Why didn’t he wait for you?        “Yeah, he didn’t. Did he say where he was going or when he’ll be back?” You asked.        To that, she just shook her head.        Oh...

       “I almost forgot,” she continued. “There was a note for you. I left it on the counter for you.”

       You picked it up, hoping to see Soobin’s name as the regards, telling you his whereabouts. Instead, the note was fairly short.

Hey y/n!

Once again i just wanted to welcome you to town. It was really nice meeting you yesterday! Maybe we could hang out some time?

(Hopefully) Your friend,

Yeonjun

       Did Soobin see it? Either way, why does it matter.        After breakfast, you decided to wait for soobin to come home. If he didn’t tell where he was going, it means he cant be gone long, right? You sat in his room, figuring it would be the only place you didnt have to face his family members.        It was only about an hour and a half of waiting and a lunch break, that you got bored. You could only scroll your phone so much before it started to get more redundant than it already was. So, checking the weather report, you got dressed and left for a walk around. You hadn’t seen much of the area yet, it wouldn’t be harmful to do some exploring. Learning your lesson from yesterday, you put on a wool sweater underneath your coat. A pair of dr marten to match.         It was a rather fine day out. You walked under the sun that warmed your skin, but the cool winds keeping the temperature cool enough. The only thing that would make this better would be if soobin were with you...        “Y/n!” You heard a familiar voice call from behind you.        You turned around and saw a familiar lock of pink hair running towards you, frantically waving his arms. He was wearing a leather jacket today. Behind him was someone else that chased after him. He had nicely styled, bleached blonde hair and was slightly short than yeonjun was.        “Oh, hi.” You greeted the two of them. “Fancy running into you again.”        “I know, right!” He agreed, a bit more enthusiastically than what you would imagine. “Why are you alone? Where’s soobin?”        “No clue. He just took off this morning. Didn’t tell me anything and i got bored of sitting around alone.”        “Maybe the pressure of a relationship getting to him,” yeonjun suggested.        “It’s fake though,” you mocked.        He just shrugged. “Doesn’t make it any less of a commitment.”        You hummed a reply. “Fair enough.”        “Anyway. If you have nothing better to do... taehyun and i,” he said, gesturing towards to boy beside him, “were just headed to the arcade in town. Care to join us?”        “Sure, I don’t see why not.”        You followed as yeonjun and taehyun lead you through the town soobin said he would bring you to. Every corner they turned, they greeted someone new. From little kids to elderly ladies and gentlemen. Small town, i guess everyone knew everyone.        Eventually, they stopped in front of a building, the arcade. The pings from the pinball machines, the bullets from the shooting games, and the ‘jackpot’ announcements, all a dead give away. From the outside, the building looked old and rundown. The paint was old and cracking as if it hadn’t been repainted in years. Even the neon signs provided to the retro aesthetic, casting a purple-red hue over everything.        You stood there, taking in the atmosphere for a second. It sure was different from any arcade you had back in the city. You glanced around, when a figure at one of the pinball machines caught your eye.        “Soobin?” You spoke out loud.        Confused, yeonjun and taehyun followed your gaze to said figure.        “What in the?” You walked up to him. the further into the arcade you went, the louder everything got. Tapping him on the shoulder, you just about had to yell to have any sort of conversation.        “Y/n?” He asked, looking at you with the same expression as culprit that had just been caught red-handed.        You scoffed playfully, crossing your arms. “So you ditched me to come play games alone?”        “Um, kind of? Not really though,” he said. His eyes darting towards the two boys that to came up behind you. “You came with taehyun and... Yeonjun?”        “Hey soob, long time no see,” taehyun added.        “I went out for a walk and ran into them,” a quick and easy reason. “You could have just told me if you wanted to come to town alone, you know? You don’t have to sneak off at the crack of dawn.”        “Nice to see you too tae. And I do want to show you around the town. It’s just,” his eyes travelled between you and yeonjun, back to you in a blink. “I just needed a break from things for a while.”        “Hm, alright,” you accepted his explanation, but something still felt weird.        “Since we’re already here, there’s no use standing around.” Yeonjun spoke. “Y/n, come play the shooting game with me!”        Before you could reply, yeonjun was already dragging you towards one of the machines. Leaving taehyun and soobin to do whatever it was they did. He handed you one of the guns available and scanned his arcade card. The entire time you could feel eyes watching you, but shook it off.        Yeonjun was pretty good at the game, you had to admit. He spent a lot of time here, you assumed. Time seemed to disappear the longer you were in the arcade. The atmosphere around you never changed. It was still as lively and colourful as when you first walked in. The bright lights and loud music blasting, disrupting your senses. But outside, the sun was quickly setting.        “Good game, y/n,” taehyun offered a handshake after you beat him at yet another game of air hockey.        You took it. “Not too shabby yourself.”        Beside you, yeonjun and soobin clapped for your victory.        “We should probably go back soon,” Soobin said, showing the clock on his phone. It was nearly 8pm. Time sure flies when you’re having fun.        You all travelled back together. Turns out yeonjun and taehyun only lived a street away from soobin.        “See you tomorrow,” taehyun and yeonjun waved goodbye as you parted ways, leaving you and soobin to go your way.        Neither of you said a thing to each other. And for reason you were having trouble thinking of a conversation starter, this hasn’t happened before. Usually you and soobin had endless things to talk about. It didn’t matter how stupid or unimaginable it was, the two of you never ran out of things to say.        “When you were a kid, did you ever pretend you were smoking in winter?” You said the first thing that came to mind, the cold air making your breath visible, helping to elaborate your question. You laughed at yourself, holding your fingers up in a peace sign, imagining a cigarette between them.        “Yeah, when i was like 7.”        Okay, ouch.        Soobin’s answer was short, providing no further conversation. You pressed your lips together, stuffing your hands in your pockets as embarrassment crept up on you. So much for never feeling judged.        The rest of the night you didn’t speak much. Every attempt you made just being shot down with one liners. Every time you showed soobin a funny video or meme, he gave little to no response. And eventually you gave up.        This continued to the following day. Sure, soobin was an introvert. You knew that. But he’s never ignored you to this extent. Was he getting sick of having you around everyday? If that was the case, he should just tell you, you’d give him all the space he needs.        You can’t lie and say you weren’t hurt by that thought. Your crush was ignoring you. That would have hurt anyone. And right now, you felt nothing more than a parasite in his home.        “Come on, we have to go meet the others,” the first words he’s said to you in hours.

      You followed quietly as soobin brought you to the diner. When you arrived, the others were already there. Yeonjun and taehyun, along with two new faces. Beomgyu and Huening Kai, you figured from previous conversations.        They sat at a semi-circle booth meant for four with two extra chairs at the end. One of which occupied by taehyun as the other three shared the banquette bench.         “Soobin! Y/n!” They waved.         Yeonjun sat at one of the ends and shifted when he spotted you enter. “Y/n, i saved you a seat next to me,” he said smugly, smirking and cocking his head to the space beside him.        You rolled your eyes at his antics, lips curling upwards. Soobin’s expression remained hard, unbothered and unimpressed even. But you didn’t question it, he’s been like that since yesterday. And frankly, you’ve gotten sick of it. Might as well spend time with someone that actually wants your attention.        You got along well with the boys. You learnt that Kai and taehyun went to the same school and beomgyu had just graduated recently. Most of the time though, was spent whispering jokes between yeonjun and yourself. And at some point of the night, he had managed to sneak an around the back of the booth. On the other side, Beomgyu and Kai snickered to each other and eventually shook hands, some bet or deal you presumed.        All of a sudden you heard one of the chairs beside you shift. The feet scratching against the tiled floor. And the next thing you knew, soobin was walking out the door, the bell ringing behind him.        “Where’s he going?” Kai asked.        “No clue,” Beomgyu answered. Taehyun just shrugged. All your attentions still on the door that had already been shut.        “Um, ill go check on him,” you announced, running out of the diner after him. Sure, you and him weren’t on good terms at the moment, but nontheless he was still your best friend, and a huge part of you still cared for him.         “Soobin, wait!” You called, but he kept walking.        “Soobin!” You tried again, chasing after him.        “Stop right there choi soobin!” You yelled, your voice echoing through the empty street. The boys silhouette stood still. But never did he turn to look at you. “Dont you dare take another step!”        Never once in five years have you ever felt intimidated by him. But with his large figure being illuminated by nothing but the dull, yellow street lights, you couldn’t say that anymore. There was silence as you gathered your thoughts, making your way towards him. You had him right in front of you. Now what? You wanted soobin back. Your soobin.        “What’s going on with you?” Your feet stopped on their own accord, right behind the tall boy. “You’ve been acting strange.”        No answer.        “Soobin, don’t ignore me!” You said again, desperation and annoyance laced in your tone.        “I don’t know what you want me to say y/n,” he sighed, trying to keep his temper from exploding.        “I want a damn explanation, soobin,” anger from the previous day slowly consuming you. “Do you know how much of an asshole you’re being? God! I try to talk to you, but it’s just like i’m talking to a god damn wall! So, you can either tell me what’s going on or I’m on the next bus home tomorrow.”        No answer. But you could tell the last part hit him hard. He couldn’t look at you. If he did, he was sure you would see the remorse and anger in his eyes. He hated that you were mad. He hated that you were yelling. But most of all he hated that he was the cause of it.       “You asked me to come play girlfriend with you and i did,” you sighed, continuing when he started walking again. “I only did because,” swallowed the lump in your throat, “you’re... you’re my best friend.”        Best friend.        “I’m your best friend... you can me anything, you know that.” You quoted his words.        “There’s some things better left unsaid,” he offered before walking away again. “I’m sorry y/n.”        “No!” You cried, stopping his tracks. “Apology not accepted.”        You could see frustration building in soobin. His hand pinching his temple, his shoulders tensed as you spoke. “You said you’d be by my side the whole time! But since the waterfall you’ve barely talked to me! You leave me in situations on my own, you’re ignoring me and you randomly take off without a word. You’re doing it right now! So, again, you can either tell me what’s going on or-“        “It’s because i love you, okay!?”        Now it was your turn to stay silent.        Soobin let out a sigh, turning to face you. “Is that what you want to hear?! I love you, y/n!” His tone got softer, “I love you so much. For as long as i can remember knowing you. It hurts when I see you with other people. Especially people that so blatantly flirt with you in front of me. You’re stunning, beautiful. Even a fool could see it. But you’re also so much more than that.        “You were the only person that bothered to come talk to me the first day of school. Others probably viewed me as the weird, loser kid that sat alone during lunch. But you didn’t. You were my first and only friend for years. Before i knew it, i had a crush on you. At first, i thought it was just a phase. But it wasn’t, y/n. And now, im so hopelessly head over heels for you.        “I know, I haven’t earned your heart. I never will. I could spend a million years worshiping you and still not earn it. You’re my best friend, i know I shouldn’t be feeling this way. I know you’re mad at me. And i know I don’t deserve your forgiveness. But please... please, don’t leave me.”        He sounded raw, real in a way you’ve never heard before. When he was done, he was closely inspecting the road, afraid to look up. Chewing on his bottom lip nervously, waiting for your rejection.        “Why didn’t you tell me earlier?” You asked, keeping emotion from your voice.        He shrugged and laughed. “You’re my best friend, I didn’t want to lose you.”        You let one hand slide against his cheek, resting your palm there. “You wouldn’t have.”        “Wha-“        “I love you too, you doofus.”        You felt the pull of a muscle as his lips twitched. “Really?”        “Yes. Really. For as long as i can remember.”        Soobin, your best friend — now, boyfriend — pulled you into his arms. “I love you, y/f/n. And I’m so sorry for the way I’ve been. What can i say to make you forgive me?”        “Words only mean so much. Actions speak louder, don’t you agree?”        “I do.”        He lowered his head and brushed his lips against yours.        “Am i forgiven?” He asked rhetorically.        You laugh. “Only because i love you.”        “Yes! I told you so!” You turned and saw Kai yelling and celebrating, pointing fingers at beomgyu. Taehyun and yeonjun shaking their heads in disappointment.        What a crazy group of friends they were.

.

.

.

[paint-lady]

hey, if you don't mind, i want your advice: i'm going to be running a chronicle set in chicago (i am using the chicago by night 5e book) for players who are new to vampire for the most part in a few days and i can't For The Life of Me to come up with an interesting chronicle hook (yeah i have read the hooks in the book). any ideas/suggestions/general advice?

Hiya! I could talk your ears off on how I write my chronicles- so hopefully I have taken all my processes and reduced it down to a lovely World of Darkness jam. 

Here are two good hooks I just came up with- feel free to use them! The third is what I got for my first chronicle, and I just think its a narrative that works very well for new players.

>Option 1: Guilty Until Proven Innocent ”Chicago is a series of paradoxes and transitions, of ever changing paradigms and whimsy,” (CbN 47). Have your coterie be newbies to the city. Ask why they have come to Chicago. Power? A new start? Perhaps this is a political arrangement between the clan of one city with another. Whatever their reason, they have arrived right when a Primogen vanishes- and guess who is first on the suspect list? The fresh faces on the streets >:) The coterie, having barely settled, has to suddenly prove their innocence. And finding evidence lets them uncover something much more sinister....

This one is ideal for new players as it sets everyone on an equal footing. Even if they create a character that has been a vampire for 50+ years and has amassed several dots of influence, herd, status- whatever, they are still new to the city. And being new means you have to start all over again. (This may be frustrating to a player that invested all those points at character creation- but it is on you as the ST to make sure they have opportunities to use those dots and on them as a player to think cleverly.)

Starting the tale off with defending their innocence is actually a very engaging questline. It effectively sets the stage for the political powerhouses. It lets new players know there are rules- and those in power are watching. It also sets the consequences for failure. Understand that the Camarilla probably isnt going to outright kill the coterie if they fail- always make the punishment just harsh and grueling enough to make final death feel like a mercy. Failure isn’t the end of the story.

For new players- I would be lenient with the time it takes for them to find evidence. But within reason. Think like your Prince and Seneschal. Do you really want this coterie running around for a full week, unsupervised, making more messes? No. You don’t. (You might wanna send an npc with them to watch and keep em out of trouble. Your npc is also able to vouch for them.)

This story lends itself to be a Camarilla Chronicle very easily. You can go Anarch, but an Anarch leader suddenly vanishing and blaming the newbies is much more quickly going to end with blood spilled. Thank your local sweeper.

> Option 2: Containment Breach Blacksite 24 (Loresheet on page 264) was temporarily occupied by Operation Firstlight. It has now been transformed into a medical research facility. While most kindred of Chicago know of Blacksite 24, they have zero clue what happens inside other than bad news for them- the less they know the safer they are. The chronicle opens with a car crash. The captured soon-to-be coterie was in transit to this feared medical facility. The crash did kill the driver and the agent in charge of transporting them. The crash did not fully break their restraints, but it did enough damage that first responders are freaking out. They are all at hunger 3. The chronicle is a hunt. The coterie should have some knowledge of what had happened to them and how lucky they are to have escaped. Operatives are already on their way to recapture them. They must hide in this city- and do their best to survive and stay out of sight.

The point of this story is to invoke dread. I highly recommend one player either being a thin-blood (or an npc) with the Daydrinker merit, or a player to have a ghoul. If they decide to not have a daywatch, they increase their chance of being found.

This story also sets up a feeling of desperation. They would be willing to take shelter from anyone- anyone. Eventually the other kindred will catch on that these guys are on the run from something. Any sane kindred would toss them out to protect themselves. A compassionate kindred who takes them in will suffer the final death as a compassionate fool- or join them in captivity. 

This story lends itself to be an Anarch Chronicle much more easily. This is the time the Camarilla will likely be a bit more paranoid and bloody. While they might not outright kill the coterie- they will send them somewhere that is a death trap. They wont dirty their hands with this. After all, you do not want any evidence to fall into the hands of the SI if you hired the hit.

This story is ideal for newbies without background merits. No allies, no influence, no herd. Let them take more mythic merits such as bloodhound and unbondable (Consider finding some from V20 too! There are some really awesome supernatural merits!). These powers would certainly be more fascinating for a medical team to study- not how many instagram followers they have. This kind of story also lets your players feel more powerful- but out of the loop. It lends itself to them forging alliances and getting caught in one-sided favors a lot more quickly. 

The challenging aspect of this story is that is starts with a masquerade breach. New players may not know how to handle such a blatant breach and thats okay. I would let the crash slide- and the Camarilla in the background handles it. Breaches after the crash need to be handled with proper consequences. 

> Option 3: New Blood This is what my storyteller did to me and my first time players (and its also very close to the plot of CoNY). We were shovelheads. Embraced to make a huge mess for the Camarilla and die quick deaths. We were all thin-bloods. The last thing the pcs remember is the sweet rush of ecstasy washing over them, before clawing out of the earth and driven mad by an insatiable hunger. The thrill of the hunt, and the sweet, warm blood on their tongue, nothing was going to be better. All three will awake next to each other, surrounded by the corpses they drank dry in their frenzy. What a way to play the name game! The players have three nights were they figure out their new condition or coverup their tracks (if they think to do it). They contend with their hunger and hatred of sunlight, wrestle with accidentally drinking their family member dry. After three nights, the Scourge comes knocking. Rather than outright killed, they are dragged to Elysium. For some reason, they are adopted by an upstanding member of the Camarilla- or the Prince orders a political rival care for them (hoping they fail). The players are the errand childer of this kindred, and slowly they figure out what they have been gathering through all these errands....

This one lets the characters all have the moments where they discover their disciplines and powers- and bestial tendencies. It naturally flows to allow players to slowly discover the rules and mechanics as well. All players must play fledglings for this tale. 

This story is much more a personal tale than a political one. Eventually politics makes its way in...but it does not have to be a focus. 

This story has less of a hook and more of a “Figure it Out” survival mode until the errands begin. The story is how the character’s react to their condition. It very quickly lends itself to a narrative of finding your own path in the night, rather than mindlessly obeying.

So here are a few questions that I ask myself when crafting a chronicle story:

1. What kind of story do you want to tell? Not asking for a plot hook, I’m asking for a general concept. Is it a tale of good triumphing over evil? (Not necessarily a wrong answer, but if you wanna play good guys...vampire is not the best game for that). Is this a chase? Is this a race against time? 

2. How do you want your story to make your players feel? Do you want to tell a story that invokes as much dread as possible in your players? Do you want them to feel ultra powerful? Vampire is both a power fantasy and a dread inducing game- it can do both. 

3. If you don’t know what kind of story you want to tell, switch gears to worldbuilding. CbN has so many NPCs with the rumors already written for you. Its your setting, perhaps switch two rumors around with prominent NPCs. Decide which ones are true in your setting- Maybe Primogen Annabell did kill her predecessor. Perhaps the Lasombra are attempting to infiltrate the Camarilla as everyone fears- but no one is able to prove it or stop it. Deciding what is true, false, and undetermined usually blossoms into hooks and stories worth investigating.

4. What is a historical event of the city that the Vampires would have endured/ scars would have remained? For example, in my chronicle set in Richmond, the tale of the Richmond Vampire is true. Depending on who you ask, it is the Camarilla’s best or sloppiest cover up. Have the chronicle coincide with the events and the coterie live through them. No one said this must take place in 2021- you can do 2015, 2008, -hell go back the 1990s. Its actually super fun if you set your chronicle in the 90s and your Malkavian is using phrases from 2020.

5. One of my things I do when writing scenes and moments is play Dread by myself. Dread is a role playing game played with jenga. There are no dice rolls, if you want to attempt something, you have to pull pieces from the tower. If the tower falls, you die. If there is a moment where I really really really dont want to pull from the tower, though the reward for succeeding is so so sweet- I keep the moment. If its really easy to shrug and go eh, I can live without performing that action- go back and rewrite it. If you have no incentive to pull from the tower, why would they?

6. Examine your player’s desires and ambitions- and do not neglect them in your chronicle. The plot wont magically allow all of them to achieve their ambitions. However, provide opportunities for them through the plot. Its on them to strive for what their character wants- its on you to make them struggle but have the path to get there. For example, if a player wants to become a Baron, provide a political opening. Perhaps then by announcing their power, they have made a bigger name for themselves and it has become harder to hide. Perhaps by doing this, the kindred they owe a favor is suddenly much more vocal about it. 

Here are some suggestions for handling new players:

> You are going to have to handhold them through some things. New players to vtm won’t be able to see the cascading political web and how the consequences of their actions will ripple into waves. I like to use Wits+Insight and call it Common Sense. Common Sense was a merit in V20- and damn is it WONDERFUL. All they need is just 1 success (they can take half) to have you explain how whatever plan they just thought of is actually a TERRIBLE idea. 

> Do your RPG consent list. Know what is safe to discuss and what is off the table. I highly recommend utilizing something my Storyteller used for my first chronicle, and subsequently I use for all my ttrpgs now: Invoking the Veil. The metaphor is that you are slowly lessening the intensity of a scene- as if raising the opacity or looking through layers of fabric. Eventually, there is too much fabric and you can no longer see the scene. If something is too intense, the ST or the player may announce they are invoking the veil. Reduce the scene by lowering music, speaking in third person, or avoiding heavy descriptors. You can reduce it further to just dice rolls. Role play stops, and the consequences of the scene are solely dictated by the dice. Or fade to black. If a player is repeatedly fading to black on something- ask to talk to them about it. Clearly something is too intense and they are not having as much fun as they can. Debriefing after a session is also a good idea. Do something silly! Share and check all the memes in the discord chat. Its important to make sure you and your players know that at the end of the night- its all just a game.

> I find the sabbat and new players don’t tend to mix well. You may absolutely still use the sabbat in your chronicle! But the dogma and philosophical ideals of the sabbat can be offputting and downright upsetting to a first time player. You may absolutely build to it- that’s what I did to my players. And in the moment of the truth, they chose to cling to humanity. 

> The taking half mechanic is your friend! V5 says players may announce how many dice they are rolling- and if the dividend is greater than the DC- they auto succeed. This streamlines play. Of course, you as the Storyteller may say this is a roll they are not allowed to take half on. Usually these are contested rolls (combat).

> The three turns and out rule keeps combat intense but not too lengthy. It actually streamlines encounters super super well. 

> My ST used a phrase, “The quickest way to kill Cthulhu is to give it a healthbar.” If Methuselahs and Elders are involved in your game- avoid giving them stat blocks. This cultivates a conflict that new players must find a way to overcome without brute force combat. It makes them think critically and defy these super old antagonists through narrative means. This also gets the notion out of your and their heads, “if they die, its over.” Its never that easy. Never. 

[calumcest]

as he faced the sun he cast no shadow

dont roast me for using oasis lyrics as the title also i think this is the shortest fic i’m humanly capable of writing 

Ashton doesn’t really realise he’s fallen out of love until it’s happened. 

He only half-remembers the first day, like someone else’s fever dream told to him the next morning. He remembers Luke’s face, strained and tight, telling him I can’t do this anymore, I can’t be with you anymore. He remembers his stomach bottoming out, his mind racing, his palms sweating, excuses and pleas stumbling over each other in their haste to leave his lips. He remembers his voice rising with the panic in his chest, remembers thinking wildly that even his breaths belonged to Luke as his words constricted Ashton’s lungs, threatening never to let go. He remembers the dial tone as Luke had hung up, screen blinking back to his contact list, remembers staring at it for a moment in disbelief, and then sinking to his knees. 

Three minutes for a three year relationship. That’s all Luke gave him. Luke had always known that Ashton’s biggest desire was his greatest weakness, and now Ashton knew it too. There was nothing of him to love. He was disposable. 

The first few months were the worst. Ashton doesn’t remember those. June, July and August were nothing to him. In years to come (and Ashton remembers wondering if there would be such things) he will have no recollection of his twenty-sixth birthday. 

He remembers flashes. He’d drifted through the days, making empty promises about feeling fine without having any concept of what ‘fine’ felt like. He knows he didn’t listen to music for over a month, because it was completely futile, completely meaningless. He knows he couldn’t fall asleep normally anymore, having to stay up until six a.m. to make sure he was so exhausted he wouldn’t be able to think, because the only thought that could form in the muddle of his mind was how worthless he was. He doesn’t remember the pain he felt but remembers it being the first time he’d felt so much pain that he couldn’t feel it anymore, like breaking a bone. He’d been so relieved for the numbness and so frightened of it, because he’d known at some point it would all come crashing down, a dam built of paper and straw. 

Time had moved wrong. He remembers standing under the shower at the gym and it taking twice as long to automatically turn off. He remembers turning it up to the highest heat, hoping the hot water on his skin would make him feel something, force the pain to hit. He’d feel nothing, yet look down and see bright red staring back at him like a warning. 

Twice a week, he’d paid to display all of his worthlessness, his unloveable nature. He’d wept. His voice had cracked. And then he’d cleared his throat, blinked salt water away, smiled, thanked her, left. She’d said she saw nothing behind his eyes, but she was trained to notice. Nobody else saw, and that was all that mattered. 

Everything was Luke for such a long time that Ashton barely even noticed it. He’d see food and think of Luke, hear songs and think of Luke, smell the lingering scent of someone walking past and think of Luke. Luke crowded into every corner of his mind, every topic of his conversation. There was nothing Ashton could see or think or do without thinking of Luke. 

For example, Luke had always saluted magpies, and Ashton never had. 

(“It’s bad luck not to,” he’d said indignantly, when Ashton had laughed at him the first time he saw him do it. Ashton had rolled his eyes, but he’d found himself starting to salute on autopilot when he spotted a little black and white bird in the distance.) 

He remembers the first time he saw a magpie after Luke, remembers the way he hesitated for a moment before touching his fingers to his forehead. He specifically remembers thinking about Luke then, a raw slash to his heart, knowing that somewhere, forty miles away, Luke was saluting another magpie, not knowing what Ashton knew - it was in vain. 

Calum had taken him on holiday. A change of scenery, he’d said. Somewhere that doesn’t remind you of Luke. 

Italy. 

Ashton remembers the hot sun, but he doesn’t remember how it felt on his skin. He remembers the bright afternoons, but he doesn’t remember how they made him squint. He remembers the sea breeze, but he doesn’t remember if it made him shiver. 

Calum had taken him to a church, a beautiful white building tucked in the corner of a flagstone plaza, as though he knew what Ashton needed. 

Ashton hadn’t prayed in years. He hadn’t believed in even longer, but he was so desperate that he’d grasped at the straw Calum had handed to him, sat on a dusty wooden pew with his eyes cast to the ornate painted ceiling. 

Please, he remembers thinking silently, wildly. You might think you know better, but you don’t. I need Luke. I can’t live without him. 

No one had responded, but Ashton had left feeling a little lighter, a weight off the heaviness he hadn’t even noticed before. 

After that, things got a little easier. 

He could laugh without it being meaningless. He could think. He could focus. He still couldn’t sleep, couldn’t let his mind wander, couldn’t be alone, but he could breathe. He’d thrown himself into the music, picking up the sticks he hadn’t touched in months and drumming, writing, drumming, writing. Calum had finally lost the crease between his eyebrows when Ashton started to sing again. 

Ashton remembers fearing Christmas. It would be his first one without Luke in four years. 

(“I’ll be thinking about him,” he’d told his therapist anxiously, nibbling on his lip. 

“You’re allowed to,” she’d said.) 

Christmas, however, came and went. Ashton remembers forgetting Luke on Christmas Day, too caught up in the festivities and opening presents and eating lunch and playing with Harry and Lauren, only remembering that he’d been supposed to think about Luke when he was brushing his teeth and grinning maniacally at himself in the mirror. 

January in LA had been cold and wet and miserable, but Ashton doesn’t even care because he remembers. He remembers the biting wind stinging his cheeks, the way he had to dig his hands into his pockets because he forgot his gloves, the new scarf he had to buy to hide his nose in to protect it from the icy air. He remembers slipping on wet pavements, running from Target to his car in the pouring rain, feet squelching in leaking shoes. He remembers driving to Calum’s, and sleeping in Calum’s bed, and having to fall asleep without his phone in his hand. 

He doesn’t remember doing it, though, because he only remembers waking up the next morning, awake and refreshed and well-rested. 

He remembers how trivial things started to matter again. The emails piling up in his inbox, the way the door to his garage squeaked when it closed, the fact that only one charging port on his laptop worked. He remembers the important things starting to matter less, too - Luke’s laugh, Luke’s smile, Luke’s eyes. 

He starts listening to the music Luke had introduced him to again. At first, it reminds him of Luke, of muggy summer nights spent driving in Luke’s car singing at the top of their lungs, but he grits his teeth and pushes through it. He walks when he listens, exploring the neighbourhood, making new memories. Eventually, the music becomes Ashton’s, and Ashton’s alone. 

He’s listening to it now, leaning over a railing as he watches the sun set over the ocean. The sky is streaked with orange and pink, and Ashton thinks he’s never seen anything so beautifully meaningless. The cool evening breeze licks at his arms and makes him shiver a little as he squints, sun just at the right height to hit his eyes. He doesn’t mind, though, because he can feel it. 

There, standing in the warm glow of the sunset and watching the sinking light glitter on the surface of the water, he feels peace for the first time in nine months.

He smiles, and watches the sun sink until he can no longer feel its warmth on his skin. 

[turtle-steverogers]

Back Home

this is bad. its also like midnight.  why do i write late at night, it just makes it bad.  it be like that.  this is also really fluffy tho so yay dad ralbert is back

ship: ralbert

warnings: vomit mention

editing: nuh uh

“Papaaaaaaaa!” Race braced himself for impact as his son, Andrew, barreled into him, knocking him backwards into his husband, Albert.

“Lovely to see where your loyalties lie,” Albert smirked, steadying Race before lugging their shared suitcase in behind him.  Andrew giggled loudly, detaching himself from Race and moving to latch onto Albert instead.  They had gone for the week on a short trip to Washington DC to teach a few masterclasses at the National Theatre.  Spot, their best friend and godfather to their kids, had offered to watch Andrew and Emelia while Race and Albert were gone.  Although, as Race looked around his apartment, there was no sign of Spot, or his daughter for that matter.  He frowned, concern bubbling in his stomach, but his son’s excited voice brought him back to the present.

“Missed you guys!” Andrew exclaimed, making grabby hands at Albert, who hoisted the five year old onto his hip.

“We missed you too, champ,” Albert grinned, smacking an exaggerated kiss to Andrew’s cheek, “Did you have a good time with Uncle Spottie?”

“Yeah!” Andrew said, squirming to get out of Albert’s hold and reaching his hands out to Race instead.  

Race seamlessly took Andrew away from Albert, shifting him onto his hip instead, “I’m glad you had fun, dude,” he said, finally walking to the couch to set down his carry-on bag, “Where are Uncle Spottie and Emelia, though?”

“Me and Em’s room,” Andrew said, matter-of-factly, “Em isn’t feeling good.”

Albert frowned from where he was unzipping their suitcases to put their jackets away, “Oh yeah?”

“Yeah,” Andrew nodded seriously, “She was puking all day!”

Race and Albert exchanged concerned glances behind their son’s back, “Alright, bud,” Race said, putting Andrew down, “Why don’t you go with Daddy to get washed up and I’ll go check on your sister, alright?”

Andrew nodded and hurried off in the direction of the bathroom.

“You good with that?” Race asked Albert, who was already grabbing a fresh towel from the hallway closet.

Albert made waved a dismissive hand, “I got him, go make sure our daughter isn’t dying.”

Race furrowed his eyebrows, “That was dark.”

Albert shrugged and hurried off to wrangle his son before he flooded the bathroom.  Race kicked off his shoes and headed in the direction of his children’s bedroom.  As he got closer, he could hear the unmistakable sounds of retching coming from the other side of the door.  He knocked lightly before entering.  

“Hey,” he greeted softly.  Spot was sitting on the edge of the bed, one hand on Emelia’s back.  His daughter looked incredibly weak and was leaned over the side of the mattress, vomiting violently into a trashcan.

Spot looked up when he entered and offered Race a tired smile, “Heya, Racer, how was DC?”

“It was pretty good,” Race said, “Only lost Al once on a segway tour,”

Spot scoffed, “Wouldn’t expect anything less from that idiot.”

“He was easy enough to find,” Race said before diverting his attention to his sick daughter, “What’s wrong, bug?” he asked, kneeling in front of Emelia and pushing a few strands of sweaty hair away from her forehead.

“Don’ feel good,” She managed, gagging again and pitching forward towards the trash can.  Race looked up at Spot, who was frowning at Emelia sympathetically.

“Poor thing’s been throwing up since 10:00 this morning,” Spot said, “Tried to call you and Al, but I couldn’t reach you.”

“Has she just been throwing up, or..”

Spot nodded, “Yeah, mostly.  Complained about being achey, too.  I’ve been taking her temperature throughout the day, but it’s been normal.” Race relaxed a bit, “Okay, good.  Thanks, Spottie.”

“You gonna take her to a doctor?” “I’ll probably make an appointment tomorrow sometime.”

Spot hummed approvingly, right as Andrew, followed by a rather flustered looking Albert, busted through the door, wearing his duck wrap around towel.  Albert’s shirt was soaked and Andrew still had shampoo in his hair.  Race and Spot cast questioning glances to Albert, who simply shrugged.

“One second, we were shampooing, the next he was running,” Albert said, wringing out his shirt onto the carpet.

“Stop that,” Race scolded.  Albert held his hands up in mock surrender.

“What’s wrong, bud?” Race questioned Andrew gently, who looked slightly overwhelmed by the cluster of people in the room.

“I didn’t want Uncle Spottie to leave without saying goodbye,” He said, lower lip starting to tremble.

“Hey, whoa,” Spot said, finally moving from his spot on the bed to squat in front of his godson, “I wasn’t gonna go nowhere without saying goodbye, champ, but why don’t we finish getting you washed up first?”

Andrew nodded, then turned to look up at his fathers with pleading eyes, “Can Uncle Spottie finish helping me?”

Albert and Race raised their eyebrows, amused, “I don’t see why not,” Race said, “We’d better be careful, Al.  Spot might just steal our children away from us.”

Spot picked Andrew up, skillfully avoiding his soapy hair, “I might just,” he said as he left for the bathroom, closing the door behind him.

“How’s she doing?” Albert asked, his question punctuated by another retch from Emelia.  He winced, “Not so good I take it?”

“Yeah, we should take her in tomorrow,” Race said, perching himself next to Emelia on the bed, “No fever, though.”

“That’s good,” Albert said, sitting in a straddle on the floor beside the trash can.  He reached up to rub Emelia’s shoulder, “Hey, sweet pea.”

“Hey, Daddy,” Emelia said, shakily.

“Did you have a good week?” Emelia nodded and Albert smiled, “I missed you and Andrew.”

“Missed you, too,” Emelia said, yawning.

“Getting tired?” Race asked.  Emelia nodded, eyelids drooping, “Alright, pea, let’s getcha changed outta these sweaty clothes, then you can sleep.”

“Uncle Spottie still here?” Emelia asked, sleepily, as Race helped her into a new nightgown that Albert had gotten from her drawer.

“Yeah, I’ll make sure he peeps in to say goodbye, okay?”

“Okay.”

“Do you want me or Daddy to stay with you while you fall asleep?” Race asked, tucking her back into bed.

“Daddy,” Emelia said, reaching out for Albert, who took Race’s place on the bed.

“Alright, princess,” Race said, leaning down to kiss her on the forehead, “I love you, goodnight.”

“Love you, too,” Emelia curled into Albert’s side, “Can you read me a book?”

“Sure, love,” Albert said, petting a hand through her hair, “What book?”

“Jack and Annie!”

“Alrighty, did Uncle Spottie start a new one with you?”

“Yeah, the one with the leprechaun,” Emelia said.  Albert nodded and turned to ask Race to pass him the book, only to find that his husband was already holding out Magic Tree House, Leprechaun in Late Winter, for him.  

“Thanks, babe,” He smiled, taking the book and tilting his head back slightly for a kiss.  

Race bent down and pecked him on the lips, “Yep.  I’ma go check on Spot and Andrew.”

“Sounds good,” Albert said, opening the book and beginning to read out loud.  Race took the trash can Emelia had been using and left the room.  Spot and Andrew were sat at the kitchen counter, playing with Andrew’s Hot Wheels.  It looked like Spot had successfully gotten Andrew ready for bed, because he was no longer soapy and was sporting his favorite Star Wars pajamas.

“Papa, come play!” He declared, crashing his car into Spot’s, who let out a noise of fake offence.

“That is no way to treat Mr. Speedsy,” Spot said, hugging the black car he was holding to his chest.  

Andrew shrieked with laughter and Race smiled at the scene in front of him, “I think playtime is over,” he said, crossing over to the other two, “Uncle Spottie has to get home and you, Mr. Hot Wheels, need to get to bed.”

“Five more minutes?” Andrew pouted, sticking his bottom lip out.

“Nope, it’s time to call it a night,” Race said, firmly, “C’mon, bud.”  He plucked his son out of the kitchen chair and used one hand to put the Hot Wheels back in their box.

Spot followed them to the kid’s bedroom, stopping in the doorway and watching as Race tucked Andrew in, “Bye Andrew, bye Em,” he called quietly.

“Bye, Uncle Spottie,” Both children said in unison.  

Race crossed to the doorway and pulled him into a brief hug, “Thank you so much for watching them this week, man.  Seriously.”

“Yeah, we appreciate it so much,” Albert said, also standing to hug Spot, “Lunch tomorrow?  Our treat?”

“Sure,” Spot smiled, “And it’s no problem.  It’s always a pleasure to watch the munchkins.  Take care you two and I hope Emelia feels better.”

“We’ll see you tomorrow, thanks again,” Race said, clapping him on the back.

“Bye.”

“Bye, Spottie.”

They watched as Spot let himself out of the apartment, then turned back to their kids.

“You go get ready for bed,” Albert said, “I’ll finish up with them.”

Race sighed gratefully, the exhaustion from the week finally hitting him, “Thanks.”

“I’ll be in soon,” Race shot him a thumbs up and left to change into his pajamas, opting to shower in the morning.  

Twenty minutes later, as promised, a tired looking Albert climbed into bed next to Race, who bookmarked his book and wrapped his arms around his husband.

“They out?” He asked into Albert’s hair.

“Like lights.  I got Emelia a fresh trash can, too.”

“Awesome,” They lapsed into silence, breathing in each other’s presence blissfully.

“I love this, you know,” Albert said after a few minutes.

“Hm?”

“This,” Albert gestured vaguely, “All this domestic shit.  I love it.”

Race smiled, warmth spreading through his chest, “Yeah,” he murmured, “I love it, too.”

-

thanks for reading, chiefs

hmu to be added to my tag

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[lazytacomoon-blog]

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RELATED QUESTIONS: 

How much will insurance cost after 2 duis?

I am 24 years old and live in Michigan and I received my 2nd offense DUI in April of last year. I've been sober ever since and have AA signatures to prove it to the board for license evaluation. If I get it back I will automatically have a Breathalyzer in the car for a minimum of when year. It won't start if it blows alcohol. You know how they work. lol. I was wondering if anyone knows approx. how much I will pay for insurance. Thank you in advance for answers.

Whats the difference between Medi -Cal and Health Insurance?

Whats the difference between Medi -Cal and Health Insurance?

Motorcycle insurance?

about how much should it cost?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

If there was affordable health insurance would there be early retirements and jobs for the youth?

If there was affordable health insurance would there be early retirements and jobs for the youth?

Car insurance quotes?

About how much would car insurance cost for 16 year old teenage driver in florida. The car would possibly be a 2005 convertible.

""Delivering fast food, wrong car insurance?""

Hi, i got pulled by the police earlier and they gave me a producer for no insurance. I was delivering fast food for a local takeaway in there car, my car broke last week and my policy covers me for SD&P only, im fully comp and can drive other vehicles, the car i was driving tonight is covered on a personal and business policy with anyone to drive. I didn't know i had to have a different policy to deliver fast food, I only work for them for about 5 hours on the weekend, I am going to take out business cover tomorrow. Will the courts still treat this as driving without insurance (penalty 6-8 points), or would they take in to consideration my situation?""

Cheap car insurance for 18-year old male?

Hi. Been looking for cheap car insurance. so far ive been quoted 8000 on 2001 vauxhall corsa 1.2 petrol 3dr hatchback. live in ws1 4 area and im a carpenter. no parents dont drive and passed early october. Ive tried I-Kube, and other but their prices are outrageous! hoping to go with young marmalade as a last resort. Many thanks. :) and no i havent bought the car yet. car is worth 1500 approx.""

I cancel my car insurance because I sold my car.?

I was told by the car insurance company that I have my car insurance that I would have a laspe in my insurance. I was also told that I would not be able to purchase insurance with another company. Why is this? Why should I keep my insurance if I don't have a car and won't be purchasing one for awhile?

How much for car rental insurance?

hi i will be renting a car for 2 weeks and i need to know whether it is necessary to take car insurance and how much would it cost? also will it vary if I am less than 24yrs of age? i do not own a car and so dont have any auto insurance. i just need to know an approx figure... :)

Who's insurance company do i contact the car owners or mine a driver with compresive insurance?

i was driving my wife car and parked it as i got out a car reversed into the car i am not a named driver on the insurance policy for the car but my own insurance covers me do drive other cars with owners consent. which insurasnce company do i report the accident to i was not at fault as was parked in a parking bay the other car aslo attempted to drive off

I have full coverage insurance n my car was stolen n impounded should yhe insurance pay inpound fees?

I have full coverage insurance n my car was stolen n impounded should yhe insurance pay inpound fees?

What's the cheapest car insurance company?

what is the cheapest insurance company for full and liability coverage?

""I am looking for cheaper insurance, for a BMW M3?

I am 38 with 7 years no claims. Direct line have quoted me 900 per anum. Anyone know where i may get it cheaper?

Which is the Best Health Insurance Policy available for Individuals in India?

So far I have learnt that LIC health plus is a pretty good policy. and http://sunilrams.blogspot.com has really given in detail the comparisons . Are there any better policies in the Indian Market for individuals.

Which will cost more to insure? 00-04 mustang base or 00-04 mustang gt?

I'm 17 and live in New York. Been driving with a clean record for one year and I currently pay $100/month on my mom's '10 camry. I want to get my own car and I have narrowed everything down to a mustang, but I can't decide between a base model or a gt. I have discounts on my current policy such as good student and drivers ed. I will also take a defensive driving course for an added discount and the new car will also bring about a multi-car policy discount which will be helpful. My mom will be contributing the same $100 towards the car as she is now and the rest I have to pay for by myself. I have heard that the base and gt will cost about the same to insure, but that doesn't seem right considering that the gt has 100+hp more than the base, but people have supported that by saying the base models are involved in more crashes among young drivers. So can anybody set the record straight for me? Please don't give me responses saying that only my insurance agent can tell me that or too high for you to afford. Also would it be a wise decision to drop collision coverage for a huge insurance discount? I don't plan on racing this car.""

Car insurance 17 year old?

I just passed my test afew days ago and have been looking at insurance. Most insurers won't give me a quote and if they do it's 19k. But i was looking into classic car insurance for a mini and got a quote from adrianflux for 3500 but i was i told i was to young for classic car insurance. I tryed a 1000cc yaris and they would not even quote me. I checked my details twice and there all right. I asked over the phone why there is such a change im price when they have the same size engine and he just said there cheaper to repair n that . and just so it's clear the minii quote was not classic car insurance. So any one know the logic behind this? + any other suggestions about insurance will help.

Pagani Zonda - how much to insure?

My hubby and I were watching Top Gear the other night and James May was testing the Pagani Zonda. Does anyone know, out of interest (or to be honest to settle an argument!) roughly how much the insurance premium would be on this type of car? Thanks!""

""If we are getting affordable heath insurance, why can't my employer afford it?""

If we are getting affordable heath insurance, why can't my employer afford it?""

Insurance for modified car advice !!?

i want to buy a car that has full interior and exterior body work done to it, will this effecct the insurance ?? also the engine has had a 'ecu chip' and air filter added/changed so will this effect insurance in any way ?? and can i get replys from someone who knows what there on about no some random answer thanks""

Question about cheap health insurance??/?

i am looking to buy some health insurance that is affordable that will cover a tubal reversal surgery %100. I had my tubes ties or burned 5 years ago and now we would like to have ...show more

""I am looking out for a healthcare provider which is also an insurance company located in California, U.S.?""

I am looking out for a healthcare provider which is also an insurance company located in California, U.S.?""

Hi anyone know a cheap insurance company for a smart pulse (600/700cc) as the ones ive tried are a bit pricey?

i realise that its all down to your postcode-age-driving record, but im 50 clean licence, however live in a poor postcode, however ive been qouted 256 pounds (nearly the same as a motorcaravan i also have) i was going to get a fiat 126 (also 600cc) this was only 80 pounds fully comp.....strange the insurance game do you think? thanks all simon.""

What is the right affordable car insurance to purchase in NEW JERSEY?

Hi, I was looking to buy a car insurance policy. I currently have a company but wanted to drop them due to being overpriced. The only problem is that i don't have a driver license nor have i ever had one. I was able to finance a car off the lot but it wasn't for me. I brought it for my grandson. He has a driver license and is the only primary driver of the car. Being as though I never had a license most companies won't accept it and limits me from getting a cheaper policy. He is about to turn 18 next week. So is there any car insurance companies that will accept that i don't have a license and let me get a policy with him being the primary driver of the car. Thanks!!""

""Car insurance question. Help desperately needed, please!?""

Here's the situation. Before I start here, I will say I have never sold a car/transferred insurance in my life until now (I'm 37) and I'm panicking. (Please don't laugh; I am somewhat mentally disabled and have a hard time understanding business side of things). Please bear with me: I have a 2000 Chevrolet Malibu with 178,000 miles on it. Last Friday, my husband's brother decided to give his 2005 Hyundai Elantra (53,000 miles) to us as a free gift. We decided to sell the Malibu to some friends of ours (with whom we have been friends for quite a few years). My friends have already paid us and they have a Bill of Sale and next week we are getting a duplicate of the Chevy title in the mail (because we lost ours), at which time we will transfer. Here is where the confusion begins: My mother-in-law (who is a retired State Farm insurance agent) drew up a Bill of Sale that indicated as its last sentence at the end, Buyer will show proof of liability insurance at the time the car is received (or something like that; I don't have the Bill of Sale in front of me). We saw our friends today to get the Bill of Sale notarized (they already paid for the car; we're just waiting for the title for the Malibu to arrive via mail, as mentioned above). Their insurance agent is about 90 miles away, I find out, and will need pictures of the car. Our friends insist that my mother-in-law is just being a mom since we're new at such a transaction (our friends have owned and sold boats, cars, etc., so they are experienced at this, too), meaning that she's being overcautious by saying they need to present proof of liability insurance at the exact time I give them the keys to the car. So, once I give them the title and the keys, are they responsible for when they get the car insurance? My Hyundai is covered through my insurance agent (my mother-in-law called them and got coverage on it already), but she insists that I am not to get insurance verification on the Hyundai until the friends show proof of their insurance on the Malibu after they get possession of it. Is that correct, or is my mother-in-law just being overcautious? (I would think that once I switch the Malibu title to my friends' name and give them the keys, that would relieve me of any responsibility any longer to the Malibu). Help me, please. I am so confused; I have my mother-in-law telling me one thing, and my friends telling me another. Both sound correct. So would I be right if I did these (in this exact order): 1) switch the title over to their name & give them the keys to the Malibu. 2) call my insurance agent and report that I sold my Malibu, and ask them to type insurance vertification for the Hyundai. (would I have to be present in person for them to type the verification for the Hyundai? Also, would my report of me selling the Malibu mean that they would cancel the insurance on it immediately?) I am sorry this is so lengthy; I tried to explain this the best as I could. I just want to do what is correct in the eyes of the law.""

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title

Whats your best insurance quote? (Young guys only plz!)?

Just curious, whats your best insurance quote guys? - I'm hunting for a decent deal for my tiny little 796cc car outside.. Yeah, that's right, I'm gonna boy race with my 796cc mean machine. So yeah, whats your best quotes and is it fully comp, third party only? fire and theft? So far I got a 700 quote third party fire and theft I'm quite happy with... Sorry girls, no offense but I'm kind of looking for guys answers, Your insurance is completely different :) And I'm 18 btw""

Do you have to get health insurance under obamacare?

I'm 19 I have no job no money.. would I have to get health insurance ?

What to look when I am trying to get medical and dental insurance?

In the last couple of months Ive been trying to get medical and dental insurance. I dont have much problem with my health but my wife gets medicine and needs some dental work. In my country everything works different when talking about insurance, Ive been into a couple of websites, doing some researches but I still have some doubts about what exactly to look and get. I want an affordable and good insurance so I can help my wife with her medicines and stuff, when she gets pregnant and in the future just in case of emergency.""

I need a good car insurance company I have 6 points and a chapter 7 in my credit report?

I have two cars one needs full coverage $500.00.00 deduc.at list, the car is a 2002 ford explorer and the other one is a 1992 dodge spirit /liability only. If you know about an insurance company that gives good coverage for a decent price let me know my current policy is $166.20 a month.""

Whats is the best life insurance policy for me?

I'm 20 years old and I'm married with 2 children. My husband and I are wanting to buy life insurance but our research is confusing. I need the basics and the best option for my family

UK Only. How much for an category D insurance write off car?

I have a 2004 Ford Fiesta that I need to sell. When I bought it I was told it was a category D write off shortly after it was first bought, it was repaired and passed every subsequent MOT and has regular services. Roughly how much money off a guide price would you take off when selling it??""

Why are Dental and Vision Insurance separate from regular Health insurance?

Why are Dental and Vision Insurance separate from regular Health insurance? I have regular health insurance one me and my kids. I also have Dental and Vision insurance on just myself, because I can't afford it for my kids. They are the ones who need it most. Why are Dental and Vision not included on Health insurance? I'm not talking about for Braces or colored contacts, but for wellness check-ups, fillings, glasses if needed, etc.""

Cost of insurance for 2nd gen Toyota Mr2?

Would you pay a higher insurance on this car than a normal car? what about a turbo? I got an online insurance quote and it was about $600/year for liability and $1000/year for collision coverage, does this seem like a fair price? I'm almost 19 years old and have a clean drivers record.""

Does Wal-Mart have better and cheaper insurance than Obamacare?

http://www.examiner.com/article/washington-examiner-walmart-s-health-plans-are-better-than-obamacare On Jan. 7, 2013, The Washington Examiner released the results of an investigation finding Walmart's employee health insurance is significantly better than Obamacare. Walmart has come under mega union labor union criticism as a retailer whose employees are both underpaid and mistreated. Like many insurance plans which have been canceled as a result of Obamacare benefit regulations, Walmart's health insurance has been called substandard. However after an in-depth comparison, the watch dog team of the Washington Examiner discovered employees of Walmart receive a better bang for the buck than Obamacare. In comparison to Obama care, it was discovered that Walmart plans were a whopping five to nine times less expensive. Full-service individual coverage in a Walmart HRA plan is available through a Blue Cross Blue Shield preferred provider organization for as little as $40 a month while family coverage averages $160 a month.""

How much will it cost to add me to car insurance?

how much will it cost for my parents to add me on there insurance? I know you can't give me an exact number but just a rough estimate. We have allstate and we have 2 cars but I will be added to my moms car a ford taurus not sure what year it is. I live in West Palm Beach, FL and I'm 17. Just an estimate or how much you think it will cost. Thanks guys!""

WHATS THE CHEAPEST CAR INSURANCE?

I AM TRYING TO GET A QUOTE FOR MY CAR INSURANCE AND THERE ALL LIKE 1000-2000. ITS A SKODA OCTAVIA 1.9 ELEGANCE PD 2006 ESTATE IVE TRIED WEBSITES LIKE GO COMPARE, COMPARE THE MARKET, CONFUSED.COM, DIRECTLINE.COM, LLOYDS TSB ECT ECT. ANY IDEAS WOULD BE MUCH APPRECIATED?""

Auto Insurance Coverage - How much coverage should I buy?

Next week, I'll be switching to another auto insurance. My previous limits with another company were: -minimum MD state 20/40/15 for Bodily Injury, Uninsured Motorist, and property damage -PIP $2500 -250/500 for Comprehensive/Collision, had road service, towing, and rental. I don't have many assets. I'm a renter and I live from paycheck to paycheck. I have no accidents, no tickets, and no violations for the last 8 years. I'm a cautious driver. I drive a 2003 Honda Civic. The new insurance company is offering me $759/year for the limits 100/300/100 Bodily Injury Liability and matching for Uninsured Motorist + Property Damage, 250/500 for Comp/Coll, road service, towing, and rentals, PIP 2500. I've seen different answers that say 100/300/100 would be better for those who own a house and have a better income. What do you think is a recommended coverage going?""

Car insurance for young drivers?

I was wondering what insurers provide the most favourable quotes for an 18old male like myself? The cheapest car insurance quote I could get was 2262, on an independant insurance website. The comparison websites are useless, I just get results of 3000 or more. I am asking if I can get cheaper than this figure? or should I just selttle for 2262?""

I want my own car but my parents wont pay for insurance?

They say that they can't afford it but I know they can. They just don't want to pay for something that they think isn't necessary. Since they won't pay for insurance, I can't drive anyone's car. Not their cars, not a friend's car. So, my license will basically be useless. So I had this idea. After I get my license I'll buy a cheap car on Craigslist. I'll get a friend to drive it home for me. I'll threaten to drive uninsured, and if that won't make em pay for insurance, I'll actually go drive uninsured. Then they'll HAVE to buy insurance. Will that work?""

Need Health Insurance Advice: Colorado?

Question I had a shoulder injury while weight lifting last November. I recently graduated and my school's health insurance is going to end soon, and I need health insurance to help pay for a possible MRI/surgery down the road. Or even more PT. I don't have much experience with health insurance because I never get sick or had injuries before so I need advice on what to look for in the policy. Do health insurance generally allow pre-existing shoulder injuries to be covered?""

What would be the best insurance for me?

Ok hears the deal. I was dropped from my parents because i received a reckless driving ticket. So i know nothing about this. What would be the best things for me and what can i avoid to save money but still be safe. I am a college student who own a 2005 truck no payments on it, low income and rent an apt. so please help""

Health Insurance and Lost Wages?

I'm going into surgery for my meniscus being torn during a skiing accident. However, I am a waitress and will not be able to work for at least 2 months. My employer has told me that I will have my job when I return, however I seem to be at a loss as to what I can do to try to recover lost wages.""

Whats a cheap insurance company for a 16 year old boy?

Whats a cheap insurance company for a 16 year old boy?

When do i get insurance money from my accident?

ok so.. my friend was driving we were at a stop light and all of a sudden we got hit from behind.... hard!! i had to go to the doctor that day then a week later and now im in physical therapy. my neck and shoulder and my whole upper back hurt... there was no reason for her to hit us it was a red light... what should i do?? how much can i get?? P.S. it totaled the car i was in..

Whats car insurance??????

im 17 and dont know much about it but they said i needed car insurance before i can buy a used car. how do i get car insurance and what happens once i have it..how much does it cost?

What is the cheapest car insurance for 17yr olds?

What is the cheapest car insurance for 17yr olds?

""If i get a one day moving permit, in the state of california, do I need insurance?""

If i get a one day moving permit, in the state of california, do I need insurance?""

How much should car insurance pay for breaking your back in accident?

boyfriend got ina car crash. he was in the back seast. driver didnt see stop sign and tboned anothe car. he has a fractured lombar 2 and wont be able to work for a while now... how much should the liability pay? they only want to pay about 3 thousand or so..

Where can I get the best Auto Insurance Quotes?

My semi-annual auto insurance renewal is coming up. I've shopped before and I think I'm already getting a damn good rate, but still I'd like to try to get an even better rate. I've tried both Geico and Progressive, and both quoted me over $200 higher per year than I already pay. Any other good suggestions? This would be for coverage in California.""

Are online insurance quotes secure?

they want us to submit a lot of info inclusing social sercurity number, i am afraid they can misuse the information , are my fears legitimate""

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title

How does a 'unsafe vehicle' violation affect ones insurance?

I got my speeding ticket reduced from a speeding ticket to a 'unsafe vehicle' violation. How many points is that and how does it affect your insurance rates. I thought I herd te judge say it counts as zero points.

Insurance - Cheap Car?

hello, my sister has just passed her driving test & she's wanting a cheap little run around. a ford ka 1997. She's seen one for exactly 300, and they're allowing her to go view it tomorrow. the reg is - 13 jan 1997 it's a petrol engine size - 1,299 cc does anyone know how much insurance will cost on it? & how much tax/mot costs on it? thankyou..""

Term Life Insurance Ownership?

My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? Thanks for your time.""

Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

My health insurance ends when I turn 19?

So does that mean I can chose any location and place for regular checkups? I know I will pay the cost fees. But in general, is it all the same cost or??? I'm so confused.""

What's the average cost of car insurance for a 20 year old male?

I'm shopping around for car insurance and I'm trying to get an idea of what's average. I'm a 20 year old male living in Florida with no points on my license.

How do I cancel California Blue Cross insurance?

I have been trying to cancel my policy for 3 months. I even tried to stop payment at my bank, but they keep getting around the stop payments by charging different amounts each month. (This month they decided to charge me $50 more than last month) When I call them, I am on hold for over 30 minutes before I finally just give up. On their website, there is NO information about how to cancel your policy whatsoever. Why is it that they don't have ANY information on their California Blue Cross website about how to cancel??? Does anyone know of an address or fax number or wherever I am supposed to send written cancellation to or how do I go about cancelling????""

How do you calculate the prices of car insurance?

where do all these companies get their prices for car insurance from?

How can I take the insurance of my car off my parents name?

Okay sooo, my dad has never been a good father figure until i turned 16. I'm now 17 and have a car that i bought and i have the title and loan in my name. He is the co-signer. He also pays the insurance. I have a boyfriend and he doesn't like it when i have a boyfriend. He thinks i'm too young for one. My mom and him are divorced and i live with my mom. She doesn't care that i have a boyfriend and lets me go over to his house and go on dates, etc. He doesn't approve. So he threatened to take my car away if i don't be home when he says. My home is my moms house. I have more of a right to listen to her than i do my dad. She thinks so too. He says since he pays the insurance he should be able to take my car away if he wants to. I offered to pay my own but he won't let me because then he won't have anything to hold over my head. How can i get my own insurance and take it off his name without him knowing until its done?""

How much would car insurance cost for...?

a 19 yr old girl just married, who recently obtained license (within a year)? Liability only, in monroeville PA. Cheapest company? Best rate? Thanks!""

""Moving from Texas to Arizona, how will it impact family auto insurance?""

I have auto insurance with my family who lives in Texas, but I am moving to Arizona. Right now my insurance is on a family plan which has multiple vehicles as it is much cheaper than if I were to get the car insurance by itself. If I register my car and license in Arizona, will the insurance agency not allow me to continue insurance with my family as we're in different households and states? Insurance agency is Metlife if that helps.""

Insurance type help A-Z?

Hello, If there is no accident will occur or occured, but lost your eyesight naturaly, what type of insurance policy you should buy to cover your permanent disablement because of that, which will give you payout like personal accident insurance does?""

Estimated Insurance Costs for Pest Control Business?

Hello, I have been considering starting a Pest Control business. I'd mainly like to focus on the removal of animals, however from a business stand point it would be much wiser to handle pest insects as well. Our state breaks down the minimum insurance you need which I will list below. I was hoping someone could give me just some reasonable estimes of what these types of insurances would cost based on the information I provide? If needed, I live in Rhode Island and based on looking at similar local businessed and their NAICS codes, the industry would be #325320. RULE 21. FINANCIAL RESPONSIBILITY (A) Each applicant for commercial applicator licensing shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $20,000 per job, or (2) The following minimum insurance coverage: Comprehensive General Liability (ground application): Bodily Injury Liability - $20,000 each occurrence - $40,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $25,000 (B) Each applicant for commercial applicator certification shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $50,000 per job, or (2) The following minimum insurance coverage: Comprehensive General Liability (ground application): Bodily Injury Liability - $50,000 each occurrence - $100,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $50,000 (C) Each applicant for commercial applicator certification in Category 7(c) Fumigation shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $100,000 or (2) The following minimum insurance coverage: Comprehensive General Liability: Bodily Injury Liability - $100,000 each occurrence - $300,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $100,000 (D) Each applicant for commercial applicator licensing or certification, who applies pesticides aerially, shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $100,000, or (2) The following minimum insurance coverage: General Liability: Bodily Injury Liability - $100,000 each occurrence - $200,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $100,000 (E) Financial responsibility required by paragraphs (A)  (D), where appropriate, shall not be required of persons whose pesticide application activities are part of their duties as governmental employees.""

CHEAP CAR INSURANCE WHERE PLEASE HELP?

Hi im 17 and just passed my driving test but i can't find any where to get cheap car insurance. Please tell me if there is anywhere you know to get cheap car insurance, i have been to websites like go compare, and compare the market.com but they are to expensive insurance deals and i have been told the cheapest places are not on those website.Please help me as i want to drive :)""

Im turning 16 and i was wondering waht my insurance rates will be?

What are the average insurance rates?

Affordable insurance plans??

Hello! I am a 21 year old mother of 2 ( a 13 mo. old and a 26. mo. old) My husband and I do not qualify for medicaid (apparently you have to be dang near homeless) and we need health insurance. He has a heart condition (hes 25! ) and I tend to get sick alot! lol anyone have any ideas for affordable health insurance?? ( under $100 /mo if possible) thanks for your time, Be Blessed!""

Do you know of any auto insurance companies that don't base your rates on your credit report?

Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report. Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch. How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did? I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn't be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?""

How much do most people pay per month for life insurance?

How much do most people pay per month for life insurance?

Low cost auto insurance?

looking for a new carrier - can anyone recommend anything?

Can you drive a car in texas to alabama without insurance and inspection sticker?

I had just bought a car two days ago and i don't have insurance for it at the moment and i don't yet have my inspection sticker. i bought it here where i live in austin texas. i had JUST bought the car two days ago so is it possible to drive it to alabama without those things? i have NOT driven the car yet only to bring it to my apartment. since then i haven't touched it. i have no money to get the insurance and stuff at the moment that's why i haven't even driven the car yet. is there a grace period for this? is there any way i could still drive it just for a couple hour ride?

Who has the cheapest Full Coverage Auto Insurance?

Me and my husband are looking for full coverage auto insurance for both of our cars, a 2005 Chrysler 300 and a 2005 Chrysler Sebring, to be exact. I am under 25 years old (I am 24) and he is 25. As of right now we are insured by State Farm. As you can imagine being that I'm under 25 and he is a male and we want full coverage, our insurance is extremely high. Does anyone know of any reasonable prices in Houston for a young couple such as ourselves????""

Car insurance over 2 years break?

i havent had any car insurance for 2 and half years but if i go back to whom i was insured with will i be able to retieve my no claims discount of 70%

Do you pay homeowners insurance in advance?

When closing on a house, do you pay the homeowners insurance in advance?""

Got my 1st speeding ticket under mom's insurance. Will her insurance go up?

I got my 1st speeding ticket ever and paid it off. I am under my mom's insurance as an additional driver. Will the rates go up? If so, is it too late to take defensive driving to take it off the record since I already paid it?""

Appeals for insurance company?

i was wondering on average how long does it take for a car insurance company to process appeals if someone knows it would be greatly appreciated

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title

Affordable Cosmetic dental insurance in NYC ?

I really want cosmetic dental surgery maybe back braces or invisalign, I live in NYC and I just want recommendations for which insurance company to go with. Also I'd really like something affordable. Any information would be helpful :)""

How much more is it to insure two personal cars vs. one?

I am just one guy, I live by myself and nobody drives my car but me. I keep insurance on it but conditions may turn out that I will end up with a 2nd car. I would ultimately drive them both and have them insured but how much is it for one person to insure a 2nd car? Is it (premium of one car) X 2 or more like 1.5(P) I hope this wouldn't be too expensive and make it not worth it.""

No fault coverage of automobile insurance in California?

What is no-fault coverage? When you get in an accident, how it works? I don't know and understand the term.""

I need cheap but good car insurance what do you recommend?

I need cheap but good car insurance what do you recommend?

What happens to my car insurance with 2 speeding tickets?

I got a speeding ticket and took a defensive driving class in December 2012 and was put on probation for I think 6 months? Now, only four months later, I got another speeding ticket. Will both of these tickets go on my record? And if so how much do you think my AAA car insurance rates will go up? I am 19 and have nothing on my record except for these two tickets. Also, what will I have to pay in court?""

Can I get renter's insurance without a deductible?

Yesterday I got a quote from Geico on renters insurance. They said that I would have $6,000 personal belongings protection, $100,000 personal liability, with a $500 deductible. This would cost me $142 a year. I'm okay with the coverage amounts and the cost of the policy but I would like to get a smaller or zero deductible. Is this possible with renters insurance? Also Geico doesn't write the policy they use someone else but didn't want to what company it is. Can I get a zero deductible? What insurance company should I go with?""

How does the new 1-50 insurance group rating work?

Ive read that most cars insurance group will more or less double But what I want to know is if 2 cars are group 5 under the old rating and one goes up to 11 and the other only to 7 does that mean the 7 will cost less to insure than the original or will 7 be about the same and 11 be more? sorry if this didnt make sense. 10 points to anybody who can answer?

Insurance for penis ?

Is there any Insurance scheme for penis ? i'm worried . beacuse i use it too much . need help .

Driving Someone Else's Car...Do I need Insurance?

Okay lets say that I have my license but I don't have car. If I have a friend or a family that lets me drive their car and I get into accident...who's fault would it be? Mines or the owner's? And If I do drive someone else's car..do I need insurance to pay for the owner's car if I accidentally damage their car? Or no?

""I got into a car accident with no insurance, but it was 100% his fault.....?""

I was just wondering..... I got into a car accident that was 100% his fault. I have no insurance and he did. My car got impounded and was wondering a few things.... If the police report says its his fault, would his insurance people fix my car or get it out of impound or anything? Or am I just screwed because I had no insurance?""

""Car insurance, when does it drop?""

Im 19 years old, and payed $155 a month for my car insurance, a year later, no accidents tickets or anything and its $106. Definately not complaining, but i was just wondering if theres some sort of formula insurance companies use.. because i always thought when you turn 25 it goes down dramatically, but this for me is pretty dramatic. And also one year from now can i expect it to go down 50 more dollars?? thanks in advance""

Insurance salvage cars?

i want to buy salvage and damaged cars from insurance companies which have been written off. I understand that salvage yards do this. does anyone now how i can buy written off cars from insurance companies

""Your credit rating can affect how much you pay for renters insurance,if so explain thoroughly.?""

Your credit rating can affect how much you pay for renters insurance,if so explain thoroughly.?""

Car Insurance?

What's the cheapest car insurance company out there for people with 1 years no claim?

Typically Cheapest Auto Insurance Company in Massachusetts?

Suggestions anyone? Anyone shopped around and found a company that is better overall?

How much to insure a car?

im a 16 year old girl that is trying to save up for a car. im hoping to get a car at 2500 max. is there an amount that the registration and insurance would cost. I need to know how much i have to save. thank you :D ps. in utah

Car insurance for adult first time driver?

Hi there! I am 29 and still don't have a car and car insurance of almost 4 yrs of living in states. I think my husband is scared of the cost since I have never driven before even in my country of origin since we don't really need cars there. I just want to ask how much does it cost for an insurance for first time adult driver, i mean any idea? thanks! I just want to take my child to the park or somewhere since we just stay almost all our time in our house.""

How expensive would a liability insurance policy be for a Companion business?

I'm thinking of starting up a Companion business in Connecticut. It will be just me and I will not be doing anything medical. The State of Connecticut doesn't require me to become licensed if it's just me but I would like to have a general liability policy anyway. I would love it if I could some helpful information. Thanks, Cathy""

Wich car is cheaper for insurance?? 93 civic hb or 91 talon non turbo?

im 16 i would also like know how much cheaper sedans are on insurance than coupes.........and if hb are cheaper than coupes also thanks

If men have to pay more for car insurance then why aren't women paying more for health insurance?

You can use the same exact argument they use against men to increase their car insurance. http://www.jfponline.com/purls/Pages.asp?AID=2450 From the departments of Family and Community Medicine (K.D.B., E.J.C.) and Internal Medicine (J.A.R.) University of California, Davis, School of Medicine, Sacramento; and the Division of Statistics (R.A.) and the Department of Economics (L.J.H.), University of California, Davis, Davis. Reprint requests should be addressed to Klea D. Bertakis, MD, MPH, Department of Family and Community Medicine, 4860 Y Street, Suite 2300, Sacramento, CA 95817. E-mail: kdbertakis@ucdavis.edu. BACKGROUND: Studies have shown that women use more health care services than men. We used important independent variables, such as patient sociodemographics and health status, to investigate gender differences in the use and costs of these services. METHODS: New adult patients (N = 509) were randomly assigned to primary care physicians at a university medical center. Their use of health care services and associated charges were monitored for 1 year of care. Self-reported health status was measured using the Medical Outcomes Study Short Form-36 (SF-36). We controlled for health status, sociodemographic information, and primary care physician specialty in the statistical analyses. RESULTS: Women had significantly lower self-reported health status and lower mean education and income than men. Women had a significantly higher mean number of visits to their primary care clinic and diagnostic services than men. Mean charges for primary care, specialty care, emergency treatment, diagnostic services, and annual total charges were all significantly higher for women than men; however, there were no differences for mean hospitalizations or hospital charges. After controlling for health status, sociodemographics, and clinic assignment, women still had higher medical charges for all categories of charges except hospitalizations. CONCLUSIONS: Women have higher medical care service utilization and higher associated charges than men. Although the appropriateness of these differences was not determined, these findings have implications for health care.""

Help! Car insurance question?

If you get pulled over and it's not a wreck just for speeding and u don't have car insurance do u get ur license taken away? Or what can u do to have theme not taken away if so

What is the average cost to add a 16 year old to auto insurance?

I am 16 and I am trying to get my parents to let me get my license and put me on the insurance, but they think it will cost to much. I know it will cost more, but I don't know how much and I have an A average at school and I am a girl so that has discounts. I asked the insurance place but they asked to many questions so if you have a rough estimate that would be great.""

Is my credit card insurance enough for car rental?

I do not live in the US and do not have a car insurance policy in the US. I will rent a car when I visit and use my credit card to do so, but is the coverage that comes with the credit card use enough? Should I also purchase the rental company's policy?""

17 Year Old Female.. car and insurance?

Hey, I am currently searching around for a car and insurance. I have just passed my test. Using price comparison sites insurance is coming to around 1,500 pounds on cars such as Daewoo Matiz, Volkswagen Polo, Vauxhall Corse and Peugeot 106. On the internet a girl said she was able to get her insurance down to 600 pounds! How is this possible? Insurance with my mom as the named driver is about 2,000 so this isnt an option. Thanks x""

""ATTN: New drivers, How much is your insurance a month??

I just got my insurance today and was curious to see what other ppl are paying. Thanks in advance:)

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title

https://www.linkedin.com/pulse/how-much-would-getting-motorcycle-insurance-cost-caridade-ma"

[weeanon]

“Do you hate me or something?”

I was eighteen. My sisters were thirteen and twentyone. My parents were in their mid-forties and on the edge of a meltdown.

I had been attending Loyola University Chicago for about a month and a half and was already hating some of my friends so I was dying to get back home to Cincinnati for a few days to feel like my old self again. Time away almost made me think that my family had only ever had good times and that my parents were right for each other.

When I got off the bus, I was greeted by my father and my younger sister. Even though I had had issues with my father in the past, I never felt more excited to see them both in the car to pick me up. We then drove over to pick up my older sister who got back from Emory that same day. That was that. We were a family. Without my mother.

My sister and I were starving and in a great need for a Cincinnati staple, so off we were to skyline chili to get a bite of home. During the drive through order, my sisters and I had talked about how much we missed Kamryn, my little sister’s best friend who only visited sometimes because her parents got a separation that summer. “Yeah kids, marriage is hard,” said my father. Silence. “But that poor dog!” I said disregarding the tension, trying to make light of what my father just said.

When we got home, we saw my mother sitting alone at the table, half watching some reality show on VH1. I guess I was too busy being excited to see my mother that it didn’t even cross my mind that she was never in the car. I suppose I was also too excited to notice my father walk right past my mother without saying a word. While I was oblivious, my older sister was keen on this type of behaviour. Later that night, while we were brushing our teeth she asked, “did you notice anything change between mom and dad?”

“Yeah,” I said, thinking on it, “I guess that was odd.”

My sisters and I all packed into my room and just watched tv. For some reason, the house was frigid and cold, but my room was so hot that we couldn’t even wear our full blankets at night.

The next day, my father was at his job of a firefighter, so that meant he would be gone for that full 24 hours. My mother seemed relaxed enough. We went and got our hair done.

The day after that, I woke up like any other day. I went downstairs to find my mother sleeping on the couch, which wasn’t that odd, because she often fell asleep there at night while watching tv and didn’t feel like moving. I got cereal then watched a movie with my sisters and then we went thrift shopping. We wanted to go to a local global market, but our time was cut short by our father telling us to hurry and come home so we could go out to dinner as a family with my aunt, uncle and cousin coming along.

Before we went out, my father turned to my older sister and said, “You’re driving and I don’t wanna hear any complaints coming from your mouth.”

Dinner was fun and enjoyable. My parents didn’t talk, but my mother laughed at his jokes still, bowing her head when she smiled.

When we got home from dinner, my mother lingered downstairs for a while, but my father immediately went to his room and told us to keep the noise down. Eventually my mother went upstairs as well. My sisters and I watched tv until I got bored with what they were watching and decided to go up to my room. On my way up, I heard my parents talking, but dismissed this as they usually do talk about some random thing a lot.

“I cook. I bought you a car. I make over a hundred thousand dollars a year and you do this?” It was my father’s voice. He often complained about how my mother didn’t do much but lay around so I continued to my room.

“He called you twice,” I heard my father’s voice say, “on my birthday.”

I stopped dead in my tracks.

“On my birthday? Twice. I mean, you must really hate me or something. How dare you? An ex boyfriend. We have our life and our children and you talk to him then?”

I immediately knew this was not a conversation I was meant to hear and went in my room. The talking seemed to have died down a bit, but when I heard it come back, it was like i had no option but to listen in. I moved to stand in the doorframe of the hallway bathroom listening in and hoping that I would go unnoticed.

“You called him four times on our anniversary. You’re supposed to expect me to believe you forgot it was our anniversary?”

I had never seen or heard my father cry before. Even when his own father died, at his funeral his eyes were slightly red, but he wasn’t crying. He’s what society would label as a macho man. 6’1’’ with a respectable job. The type to say toughen up when you fall instead of hand you a band-aid. The type to tell his wife what color nail polish to wear and all the different women he looked at when he went to the gym.

“And..,” he said with his voice cracking, “you called him. Four times. And he called you five. Nine times you talked on the phone.”

As I stood out the bathroom, I could feel my heart racing faster and faster as more secrets unravelled and every notion that I held up of what love meant was crashing down. I could not move nor could I believe what I was hearing. 25 years of marriage felt like the only thing keeping them in the same room at that moment.

“How can I trust you again?” My father said as I could hear my mother sob. “Tell me, please, tell me. Did you talk to him more? How long?”

I couldn’t stand any more of that. I went into my room and hoped for the best as I immediately felt my world crashing down. Love? What was its purpose? My best friend’s parents got divorced and Kamryn’s parents too? Families were not enough for two people to stay together anymore. Maybe this would be the case if it were 1950, but 2017 is the year of the broken record, the scratch that reached the surface.

I then heard shouting from my room. “DON’T YOU EVER DO THIS AGAIN! DONT YOU TALK TO HIM EVER! HOW CAN I TRUST YOU WHEN YOU PULL THIS SHIT!?”

Moments later, I could hear the door opening and closing and the sound of my mother’s footsteps going down the stairs. I thought about confronting her. Was it true? Did she do it? I knew they were having problems, but I had always pegged it on my father’s ego. I assumed it was his macho man that always talked when he bad mouthed my own mother in front of me. My mother was the innocent one who, while a bit lazy, never got too angry or too disturbed.

I went downstairs not knowing what to expect. My sisters were down watching tv, unphased and ignorant to what I then knew. I would then come to find that my mother was in the basement. My younger sister told me she was just doing laundry. She almost went down to check on her when I told her not to go bother mom. It was just not the right moment to bother her. I could not tell her why. Immediately then, I knew that what my mother needed was space and perhaps a drink or two. I didn’t even realize my hands were shaking and I was crying until I went back up to my room. I got out my notebook that acted as my journal/ lifeline as I was coming to terms with my sexuality as a teen and wrote poetry. Angry poetry about how my mother just tossed her family to the side like we don’t even matter. I had always wondered why people began smoking if they knew it was addictive and caused cancer, but right then and there all I wanted was a smoke to fill my lungs and take me away. I would disregard any consequences and let go.

Now I’m sitting here in the dark writing this and listening to Yesterday by the beatles and wishing for nothing more than to just return to Chicago to get away and be with my so-called-friends. I vow to not get married until I know for sure. My parents dated for under a year before they got married. They were 21 and 23 when they tied the knot. Too young to know anything for sure.