#also behind on electric and insurance payments

[neotibicen-linnei]

probably a long shot but I'm desperate at this point- my account's overdrawn, I can't afford rent this month and now have major car repairs to pay (in the range of $2400-2600, waiting on the shop to confirm a full amount). it's undrivable until they fix the issues like oil leaks and a busted intake manifold, which are causing most of the cost.

recently got a full time job but until I get my car back, I'll be paying about $50 for rides to work and home every day, basically if anyone has even a few dollars to spare it'd really help right now.

can verify my expenses if needed.

https://cash.app/$deadnettle98

[phantomrose96]

Yknow I don't think I've... talked about the absolute smorgasbord of shit what's gone wrong with my condo since I moved in so

day 0 - hadn't moved in yet, was just moving items over, turned the sink on for just a moment. turns out the tube feeding into the sink faucet was full of holes (how???) and this caused a never-ending leak under the sink. the standing water rotted the baseboard under the sink

still day 0 - said leak and water accrual dripped down and damaged downstairs neighbor's ceiling ($$$). she has to call me to tell me about it.

I have to get a plumber out there next day (still not living there yet! empty place! I have to take off work). While waiting for plumber, I discover heat's not working.

Go to basement to investigate boiler. Seller didn't fix the issue they claimed they fixed.

Plumber looks at sink. Declares it full of holes. Says he can come back in a few days to fix it.

(Plumber postpones, then flakes. I chase down a different plumber.)

Plumber 2 says the issue is with the garbage disposal, not the faucet. Can come back x days later to work on that, and the boiler.

Plumber 2 comes back x days later (I have to take off work again), says "oh the disposal was messed up but also the faucet has holes." Says he can come back maybe the NEXT day with a new faucet

Oh also the smoke detector in the back hall is low battery beeping and I don't have a battery for it. It's constant, every minute on the minute.

I bike to a hardware store and buy a faucet and a battery ($$). Get lost on the way home. (All of this back and forth is by bike. I live in the city and do not have a car.)

Plumber replaces the faucet ($$). I replace the smoke detector battery but it's still beeping. Dozens of more stupid minutes later of going up and down and up and down stairs and dragging my big stupid ladder around, I realize it's the carbon monoxide detector which is hidden behind the door I need to open to even get to the back hallway.

Plumber services the boiler ($$$)

I move in. I have a less than great time emptying everything from my apartment, which doesn't have plumbing issues. On a bad foot to start.

Travel for Christmas. Come back. Now the first floor back-hall smoke detector is beeping. (At least I have a fucking battery. Get my big stupid ladder down the back hall, knock every wall on the way down, and replace that battery).

I get first month's heating bill (I'd been living there for 10 days if even.) $334. Jesus christ. Likely due to the boiler issue.

Electricity goes out for the evening, same day as I get this bill from the gas and electric company, because fuck you I guess.

Homeowners insurance log in doesn't work. I haven't received my bill, which I need to pay.

Radiators bang in the middle of the night. Something something about them being old or not level or full of ghosts. Cool I don't need to sleep or whatever.

I've received no correspondence from the bank about my first mortgage payment. It'll be due Jan 1st, which is a holiday, so I reach out early. They say it's in the mail.

I monitor my mail every day. I receive no mail. I contact again. I reach out to my old apartment building in case it's there (they can't tell me). I sign up for a bank account with them online. I jump through various hoops to discover the bank has my address wrong. The address of the place the mortgage is on...

They had the mortgage address right. They had my home address as identical to the mortgage address but with one number missing. No one noticed. They'd been sending my stuff to a non-existent address, or the back of a college warehouse, I haven't quite figured it out.

I jump through more hoops to pay my mortgage payment with a check in the mail (I had to go buy stamps and an envelope) (late, but they assure me there's no penalty, but are you sure.)

^This has all been about 2 weeks. btw.

(I get a therapist, and find my way to being seen by a psychiatrist, which I guess is good but jesus is it $$$. Still figuring out how to use my stupid HSA)

People on floor 1 move out. They've got contractors in constantly renovating the place top to bottom. I get all their paint fumes.

Sound proofing doesn't exist, turns out. I hear my downstairs neighbors' conversations. I hear their tv. I hear street conversations. One night it was pouring rain and I was woken up by the sound of something banging against the house. Like genuinely banging. I go outside and investigate - it's a car idling with their windshield wipers going. Windshield wipers. Why would that be audible. Walls made of paper.

Floor 1 contactors leave the back door open one night. Luckily I wasn't storing anything in the back hall and had the door to my interior locked.

I receive my next month's heating bill. $689. I call the gas company and they shrug. I call the plumber and he shrugs. I turn the heat way down cuz I don't know. I dunno. Something's wrong with the boiler but it just got serviced so I dunno. I have to call someone else.

Speak of the devil, cones appear immediately outside my building declaring there's going to be gas line work. For a month. They start with the jackhammers at 8am every weekday. It's gonna be a month. I miss the windshield wipers.

We have a weekend of arctic freeze. -30F windchill. I go down to the basement Sunday morning to do laundry. Floor 1 contractors have outdone themselves by leaving a window open. Pipe had burst in floor 1 and was pouring water down into the basement, totally flooded.

I have to call the plumber, and flag the Floor 2 people about it and they at least find the master water shutoff. I'm dealing with the plumber and I have no water for half the day and no laundry for me.

I want to lie down in a marsh for a bit.

[thefaultinoursprinkles]

I’m not good at making these posts and they never really get traction, but my fiancés paycheck didn’t go through and we are going to have to get the department of labor involved in order to get the company to pay him what he’s owed, but in the meantime, we don’t have enough money to pay rent.

Our rent is 1500 and I was able to pay 710 out of my check, but the rest is going to catching up on the internet and electric bills so our service doesn’t get cut off (545 and 347 respectively), which will put my account in the negative. We both work from home, so internet and electric are literally required to keep making money. I also am about 2-3 months behind on all of my credit card payments and still owe 998 to my car insurance and 554 to my car payment. We are also down to dried beans and flour for food and we are out of cat food.

The priority is rent, because we cannot pay late again or we will be evicted, and the next priority is cat food and litter. I need $850 to cover that.

Anything beyond that will go towards paying the urgent car bills and then towards debt. I literally don’t know what to do and anything helps.

My handle on p@yp@/l and v€nmo are both @/tfiosprinkles.

0/850

[bisexuallittlefreaks]

HELP

About a month ago, I was fired from my completely awful job at Walmart. At first it was kinda a relief, until I started running out of money. And then today I got the letter that I've been denied for unemployment benefits.

Luckily, my parents are helping out a little bit with rent and letting me mow their lawn for some extra cash. But it's not enough!

I'm behind on one of my credit card payments, I've got payments coming up quickly like my car payment, electricity (air conditioning), car insurance, other credit card payments, etc. and also cat food for my two furbabies.

So I'm asking for your help. Below are my ko-fi, venmo, paypal, and cash app. Even $5 would help, as I currently have under $10 to my name. And please reblog this, especially if you can't help.

Thank you ahead of time for your generosity. I've never been in a bind like this, and I'm scared so thank you for helping out.

Kofi: nrsully

Venmo: nrsully

PayPal: norarosesullivan@gmail.com

Cash App: besully

Current Goal: $1000

[classicquid]

Can I Be Eligible for Low Cost Short Term Loans UK Direct Lenders?

You can benefit greatly from low-cost short term loans from direct lenders, but there are also some drawbacks, so it's important to consider both before drawing any conclusions. However, if you are confident that you will make your payments on time, you can simply and readily apply for a loan to cover any short-term or personal financial needs. An overview of the benefits and drawbacks of online short term loans UK direct lender may be found at Classic Quid. So, if this loan is appropriate for your specific situation, use it.

Before you apply for one of our short term cash loans, you must meet a certain set of eligibility requirements. You meet the following criteria: you have a full-time job and a monthly income of at least £500. Recently, your bank account has been accessed. You are a citizen of the UK and older than eighteen years old.

With our loans, you can take advantage of a number of advantages not offered by conventional payday loans. Leave them behind and apply for affordable short term loans direct lender to receive everything that suits you.

• Flexible periods for significant savings

• No surprises, no additional fees

• Safe & secure financing in just a blink of an eye

• Amounts ranging from £100 to £2,500

• Monthly installment repayments scheduled for six months

You never have to be concerned about using it. The money you have available to pay for a variety of urgent expenses,

 Such as unanticipated car repairs, lost wages due to illness or an accident, and unanticipated medical expenses.

Transport costs for urgent situations, such as going to a funeral or seeing a sick relative.

Fixed costs for starting a new employment, such as new clothes or a transferring pass, are sought after.

Throwing a Christmas or birthday celebration, or shopping for a gift to give a friend, someone special, or a member of your family.

Giving a security deposit while renting a new apartment or home.

Paying an unforeseen large bill (such as an electric bill or a toilet's line repair that all of a sudden increased by a significant amount).

What are some uses for a Short Term Loans UK?

In a nutshell, you are free to use this form of financing anyway you see fit. You won't be asked why you need the money when you apply for a short term loans UK online.

A brief justification or description of the loan application may be required by some lenders, but that is all. In the UK, the following are a few typical justifications for requesting short term loans for bad credit:

Unexpected emergency that is not covered by insurance (think of the kitchen burning down, car accident, or a broken leg, just as examples).

Scheduling a much-needed family vacation.

a lengthy month where you require bridging money to get you to your next paycheck.

Unexpected medical or health care.

Vehicle failure

Family outings (extra groceries and activities need to be covered).

Consolidation of debt.

Overspending on credit cards or accounts, or overdrawing an account.

Academics and activities for kids.

https://classicquid.co.uk/

[onpitchperformingarts]

The Price of Applause: More Than Just Lights, Camera, Action!

When people think of community theatre, they often imagine the excitement of live performances, the camaraderie among cast members, and the joy of seeing neighbors on stage. What they don’t often see is the intricate web of costs involved in bringing a show to life. As much as we thrive on the passion and volunteer efforts that make community theatre a reality, the financial side of things plays a crucial role in every production. Let’s take a behind-the-scenes look at where the money goes in community theatre.

1. The Building and Utilities

It all starts with the building. Whether it's a modest performance space or a more elaborate theatre, rent or mortgage payments must be covered. And just like any business, theatres incur monthly utility bills—electricity, water, heating, and cooling. Running rehearsals, tech days, and performances requires keeping the lights on, often for many hours a day. Plus, there's the need for Wi-Fi, phone systems, and insurance—ensuring that both the building and its occupants are protected.

2. Staffing

While many involved in community theatre donate their time, some staff positions must be paid. This includes technical directors, lighting and sound designers, stage managers, and box office staff. In some cases, directors, choreographers, and music directors receive stipends for their time and expertise. On top of that, janitorial services are essential to keep the space clean and comfortable, especially during a run of performances. House managers and ushers are also often compensated for managing audience experience and safety.

3. Costumes, Props, and Set Design

One of the more visible expenses for any production is the creation of the world on stage. Costumes, props, and sets require extensive materials and craftsmanship. Even in a community theatre setting, audiences expect high-quality visuals. Depending on the era or fantastical nature of the show, costume designers need to source fabrics, wigs, shoes, and accessories. For set design, lumber, paint, lighting rigs, and special effects all contribute to creating the right atmosphere for a show. And don’t forget about props—everything from swords and teapots to fake money and books.

4. Royalties, Music, and Scripts

One of the lesser-known but significant expenses for theatres is the cost of licensing a show. Every play or musical is owned by a rights holder, and theatres must pay royalties to legally perform a show. These fees vary greatly depending on the show’s popularity and the size of the audience, but they can easily range from a few hundred to several thousand dollars. Additionally, scripts and musical scores need to be purchased or rented for every cast and crew member. For musicals, the rights to use the musical scores and orchestrations are an additional cost.

5. Marketing and Promotions

The success of any theatre production depends on butts in seats, and getting the word out requires more than just word of mouth. Flyers, posters, social media campaigns, email blasts, and occasionally paid advertising (whether digital or print) all contribute to the marketing budget. Some theatres may hire a marketing director or outsource to a professional service, adding to the overall cost.

6. House Management

During performances, a whole new set of costs comes into play. Ushers need to manage audience flow, concessions might need to be stocked, and someone must oversee ticketing. Box office software or staff often come with their own expenses. Additionally, security and safety personnel are essential, ensuring that audiences and performers alike are safe and the space is compliant with local regulations.

7. Insurance and Rights

Theatre productions involve moving parts—literally. Sets, heavy equipment, and packed houses mean insurance is a must. Liability insurance ensures that in case of accidents or property damage, the theatre is protected. There may also be insurance policies covering costumes and sets, ensuring that expensive items are covered in case of theft, loss, or damage.

8. Janitorial and Maintenance Costs

Though not glamorous, keeping the theatre clean and operational is crucial. Between shows, janitors clean bathrooms, sweep floors, and ensure that every space is tidy for the next set of audience members. Additionally, regular maintenance of the theatre—repairing HVAC systems, plumbing, and the stage itself—adds to the running costs.

9. Rehearsal Space and Technical Needs

Rehearsals often occur for months before a show opens. In many cases, theatres don’t own rehearsal spaces and need to rent them. Even if the theatre space is used, the time required for rehearsals still ties up resources like lighting, sound, and air conditioning, adding to the utility bill. Tech rehearsals—when lighting, sound, and sets are fine-tuned—use even more resources, with all elements of the show running simultaneously.

10. Miscellaneous Costs

From feeding the cast and crew during long rehearsals to providing transportation for large sets, there are always unexpected costs. This can include last-minute purchases of missing costume pieces or tools to fix broken set elements. Every production has a contingency budget for those unpredictable moments.

Final Thoughts

While community theatre is driven by passion and love for the arts, it’s important to recognize the extensive financial commitment that goes into every production. Ticket sales often cover only a portion of these expenses, which is why donations, sponsorships, and grants are critical to keeping community theatre alive and thriving. It’s a labor of love, and while the spotlight may be on the actors, every single person and resource behind the scenes plays a part in making magic happen.

Next time you attend a community theatre show, know that your ticket isn’t just paying for a seat—it’s supporting an entire ecosystem dedicated to bringing art and joy to the community.

[manish123manish]

RideBuddy: Transforming Ride-Sharing via Innovation and a Community Focus

In the competitive transportation services market of today, where Uber and Lyft are the industry leaders, up-and-coming platforms have a difficult time standing out. An emerging star in the ride-sharing sector, RideBuddy is distinguished by its innovative fusion of community-focused principles with state-of-the-art technology.

Community-Based Approach

RideBuddy encourages a sense of community among its members, in contrast to other ride-sharing services that are only concerned with business. It's about building relationships and exchanging experiences, not just about moving from point A to point B. Both drivers and passengers gain from the chance to forge relationships that extend beyond the trip itself and from local knowledge.

Personalized Riding Experience

Since each traveler is unique and has various wants and interests, RideBuddy provides a personalized riding experience. RideBuddy accommodates your choices, whether you're looking for a quiet place to concentrate on work or a bustling ride for stimulating chats. Every ride is customized to your preferences because to its cutting-edge features, which include preference-based matching and in-app communication.

Improved Safety Protocols

At RideBuddy, safety is our first priority. Passengers' travel is made worry-free by stringent driver screening, in-the-moment monitoring, and safety features including ride tracking and emergency help. The fact that RideBuddy strictly complies with local laws and has extensive insurance coverage highlights their dedication to safety.

https://ridebuddy.app/

Environmentally Friendly Projects

RideBuddy sets the standard for environmental sustainability in a time when these efforts are becoming more and more important. In addition to offering convenient transportation options, RideBuddy also contributes to lowering carbon footprints by encouraging carpooling, improving route efficiency, and offering incentives for environmentally conscious behavior.

Smooth User Interface

An important factor in RideBuddy's success is its user experience. RideBuddy makes sure that both drivers and passengers have a hassle-free experience with its user-friendly design, simple booking process, and open payment choices. Features that improve convenience and transparency, like driver ratings, fare estimates, and real-time updates, are made possible by advanced technology.

Empowerment of Drivers

RideBuddy views drivers as essential collaborators and provides them with competitive pay, flexible work hours, and a strong support system. A mutually beneficial environment where drivers feel respected and inspired to provide great service is created by driver-centric policies and incentives that promote loyalty and camaraderie.

Creativity and Flexibility

In the cutthroat ride-sharing market, innovation propels RideBuddy ahead. RideBuddy remains ahead of the curve by integrating cutting-edge technologies like electric vehicles and using AI-driven algorithms for effective matching. It quickly adjusts to changing customer demands and trends, guaranteeing that it will always be at the forefront of transportation technology.

In summary

A holistic approach that combines driver assistance, eco-conscious initiatives, safety measures, community participation, personalized experiences, seamless user interface, and unwavering innovation is the reason behind RideBuddy's success in the ride-sharing market. With each ride, RideBuddy hopes to transform transportation and contribute to a more fun, safe, and ecologically friendly commute.

Come ride with us today to see the RideBuddy difference for yourself and learn about a new mode of transportation. Let's rethink transportation in the future together.

[homeimprovement31311]

Home Improvement Act Connecticut

If you’re a proud homeowner looking to give your living space a fresh new look or make necessary repairs, then you’ve come to the right place. In this blog post, we’ll be delving into the Home Improvement Act in Connecticut and everything you need to know about it.

For more: Home Improvement Act Connecticut

From understanding the history and purpose behind this act to knowing what qualifies as a home improvement project under its umbrella, we’ve got you covered. We’ll also explore the rights and responsibilities of both homeowners and contractors involved in these projects, as well as the penalties for non-compliance.

But don’t worry – it’s not all doom and gloom! We’ll also provide some helpful tips on how to hire a reliable contractor who can turn your visions into reality. So let’s dive right in and discover how this legislation has been shaping Connecticut residents’ home improvement experiences for years!

History and Purpose of the Act

The Home Improvement Act in Connecticut has a long and storied history that dates back several decades. It was first enacted in response to growing concerns over unscrupulous contractors taking advantage of homeowners during home improvement projects. The purpose of the act is to protect consumers by establishing regulations and standards for contractors, ensuring that they provide quality workmanship and adhere to ethical business practices.

Before the Home Improvement Act, there were frequent reports of contractors who would start a project, take money from homeowners, and then disappear without completing the work. This left many residents with unfinished or subpar renovations, causing financial hardship and frustration.

In order to combat these issues, Connecticut lawmakers passed the Home Improvement Act to establish guidelines for both homeowners and contractors. The act requires all home improvement contracts exceeding $200 to be in writing, detailing the scope of work, materials used, payment terms, and other important information.

Additionally, all home improvement contractors must register with the state Department of Consumer Protection (DCP) before conducting any work on residential properties. This ensures that they meet certain qualifications and are held accountable for their actions.

One key aspect of the act is its emphasis on providing consumers with protection against fraudulent or negligent behavior from contractors. Under this law, homeowners have rights such as receiving written estimates before any work begins; being informed about changes in cost or timeline; having access to detailed invoices; requesting proof of insurance coverage from contractors; withholding final payment until satisfactory completion; filing complaints against non-compliant or unethical workers through DCP’s website.

By implementing these regulations and requirements through legislation like the Home Improvement Act , Connecticut aims to foster a fairer marketplace for both homeowners seeking reliable services as well as reputable professionals looking to provide them.

What Qualifies as a Home Improvement Project Under the Act?

Under the Home Improvement Act in Connecticut, there are specific criteria that determine whether a project qualifies as a home improvement. The act defines a home improvement as any alteration, repair, or addition made to a residential property. This includes work on the interior or exterior of the home, as well as improvements to the land surrounding it.

Examples of projects that fall under this category include installing new windows or doors, renovating kitchens and bathrooms, adding an extension to the house, repairing plumbing or electrical systems, and landscaping projects such as building a deck or patio.

It’s important to note that certain types of work may not be considered home improvements under the act. For instance, routine maintenance tasks like painting walls or replacing light fixtures might not qualify unless they are part of a larger renovation project.

The purpose behind these qualifications is to ensure that homeowners have legal protections when hiring contractors for significant renovations and repairs. By defining what constitutes a home improvement project under the act, it helps establish clear guidelines for both homeowners and contractors.

If you’re planning on undertaking a home improvement project covered by the act in Connecticut, it’s crucial to familiarize yourself with your rights and responsibilities as well. This includes obtaining written contracts from contractors detailing the scope of work and payment terms before starting any construction.

Additionally, homeowners should request proof of insurance coverage from contractors to protect themselves against liability for accidents that may occur during construction. Contractors must also provide information about their licenses and certifications upon request.

Awareness about what qualifies as a home improvement project can help homeowners make informed decisions when selecting contractors for their projects. It ensures compliance with state regulations while safeguarding against fraudulent practices.

Rights and Responsibilities of Homeowners and Contractors

When it comes to home improvement projects, both homeowners and contractors have certain rights and responsibilities that they need to be aware of. As a homeowner, you have the right to hire a contractor who is licensed and registered with the state. This ensures that they meet certain qualifications and standards.

Additionally, homeowners have the right to receive written contracts from contractors for any project costing over $200. These contracts should outline all details of the project including materials used, labor costs, start and completion dates, payment terms, and warranty information.

On the other hand, contractors also have important responsibilities in ensuring a smooth home improvement process. They must provide homeowners with accurate estimates before starting any work. It’s their duty to complete the project within agreed-upon timelines while maintaining quality craftsmanship.

Contractors are also responsible for obtaining any necessary permits or licenses required by local authorities for specific types of projects. They must adhere to building codes and regulations throughout the construction process.

Both parties share common responsibilities as well. Clear communication is key in avoiding misunderstandings or disputes during a home improvement project. Homeowners should make timely payments according to the agreed-upon terms while contractors should stay transparent about progress updates.

By understanding these rights and responsibilities, both homeowners can protect their investments while contractors can maintain professionalism in their workmanship.

Penalties for Non-Compliance

Ensuring compliance with the Home Improvement Act in Connecticut is essential for both homeowners and contractors. Failure to comply with the provisions of the act can result in penalties and legal consequences.

Contractors who fail to register with the Department of Consumer Protection (DCP) or do not obtain the required permits before starting a home improvement project may face penalties. These penalties can include fines, suspension or revocation of their registration, and even criminal charges in some cases.

In addition to registering and obtaining permits, contractors must also adhere to other requirements under the Home Improvement Act. This includes providing written contracts that detail all aspects of the project, such as materials used, timelines, costs, and warranties. Failure to provide a written contract or including misleading information can lead to penalties.

Homeowners also have responsibilities under the act. If they hire an unregistered contractor or one who does not comply with the requirements outlined by law, they may face financial risks and potential harm if any issues arise during or after construction.

To avoid these penalties and protect their rights as homeowners, it is crucial for individuals planning home improvement projects in Connecticut to thoroughly research contractors before hiring them. Checking references, verifying licenses and insurance coverage are important steps that can help ensure compliance with the Home Improvement Act.

By understanding and complying with these regulations set forth by Connecticut’s Home Improvement Act, homeowners can safeguard themselves from frauds while enjoying quality workmanship on their home improvement projects.

How to File a Complaint

Filing a complaint under the Home Improvement Act in Connecticut is a straightforward process that ensures your rights as a homeowner are protected. If you believe that a contractor has not fulfilled their obligations or if you are unsatisfied with the quality of work, it’s important to take action and file a complaint.

[elitehomewarranty]

Deny The Myths And Embrace The Facts Of The Home Warranty System

There are tons of myths related to home warranty systems and you need to find the facts behind them. This way, you can understand the reality behind the myths and use it for your own advantage.

When you are home owner of a responsible household you will have to take care of a lot of different things. It is very important for you to look for the responsibilities that would help me to keep the house safe and maintained. Therefore the best way to maintain your household is to pay the mortgage properly and look for constant repairs should there be any needed for your home. Therefore it is important for you to take the help of a home warranty service that will protect your house from minor or major repairs. But there are many myths associated with warranty services which is the reason many customers do not want to take the service immediately after getting a home. The aim of the article is to remove all the myths that surround the home warranty system. When you understand the reality of the facts of home warranty then it will be easier for you to take advantage of it.

Myth 1: home warranty and home insurance are the same

One of the biggest myths about home warranty is that many people think that it is similar to Home insurance. Home insurance will cover the cost of the house that is related to the structure and external damages. If your house encounters any fire or theft or is ruined by natural disasters then it will be covered by Home insurance. But it is not similar to a warranty for your house. Warranty will take care of the internal damage of any of the household items of your house that need to be repaired or replaced by a skilled technician. Therefore if your plumbing system electric facility or any other electronic devices of the house gets broken then it will be covered by the home warranty services. Most of the time our houses can face internal damage due to a lack of a proper electric wiring system and it will not come under the coverage of Home insurance. In these cases, you will be required to have a warranty for your internal household items that will be fixed immediately.

Myth 2: home warranties cover everything

Although home warranties will cover most of your internal household items it has its limitations and exclusions. It will not cover each and every item of your household but only the typical items like plumbing electric or HVAC systems. Some of the home warranty coverage can also include the washer, oven, refrigerator, dryer, etc. But it will not take care of any pre-existing condition before you have taken the warranty for the house. If there is any damage already existing of any of the household items then the home warranty will not take care of it and you will have to fix it on your own. At the same time depending on the coverage limit and annual payment that you are making the warranty plan will differ from one to another. Also depending on the company the I don't service will be limited. Therefore you cannot expect a home warranty to fix everything at your house.

Myth 3: home warranty is beneficial for sellers

The truth is that the home warranty will benefit both the seller and the buyer of the house. Be it the buyer or the sailor in the home warranty services will fix the repairs of internal items of the house that will be used by the buyer and seller. The people who are purchasing the house will get customized coverage for the entire house and its internal systems. At the same time having a home warranty plan for your entire house will be a very lucrative point for the prospective buyers. This way the point proves that the home warranty services can be equally beneficial for the buyers and sellers because both can enjoy the benefits out of it.

Myth 4: home warranty increases expenses

Many people believe that a home warranty system can be quite expensive along with the other charges that they have to bear for the house. On the other hand, if you have to fix any small repair of any of the internal items of the house you will have to go to a great length of expenses that can ruin your budget. Every individual has a proper budget settled for their annual expenditure and any broken items or emergency fixture can disrupt it. But when you have a home warranty plan for your house, you're paying annual fees for it. This way any shortcomings or emergency damages will be under the warranty coverage and the company will send you a technician to fix it. This way you will not have to spend extra money from your annual budget.

Myth 5: claims are often denied

The providers of home warranty services will abide by their contractual obligation where only the selected items will be eligible for repair or replacement. Therefore if a consumer claims for any item that is not in the list of the warranty plans then the company cannot fix it. You will have to keep in mind that only items included in your warranty coverage will be checked by the policy. Therefore you need to be more understanding about the coverage and maintenance of your house for a smooth process.

Therefore you need to understand the policy more minutely for a better understanding of the overall policy. This will help you to be more considerate about your home warranty plans and you will be able to understand the benefits of it. When you understand the facts it is much better for you to claim the proper requirement or replacement of your household items and you will not be fooled by it. Hence, you need to see beyond the common myths and look at the bigger picture it presents in the long run.

[qualityelectricalvd]

12 Tips For Hiring The Best Commercial Electrical Fitout Provider

In the vast expanse of commercial spaces, whether they're office buildings, retail outlets, or bespoke venues, the subtle heartbeat that powers every functional and aesthetic element is its electrical system which should be maintained by an emergency electrician Brisbane. This intricate network, often running behind the scenes, supports lighting, powers equipment, and often forms the backbone for critical business operations. 

Given its undeniable importance, the decision to choose the right commercial electrical fitout expert isn't just a matter of preference, it's a strategic business choice. It's about ensuring that every switch works, every light illuminates, and the overall electrical system functions seamlessly, efficiently, and safely. Ensuring that the nerve centre of your commercial space is in the hands of experts, then, becomes paramount. But how do you sift through the myriad of options and zero in on the best fit for your business? 

Let the following tips guide you through the decision-making process of hiring the ideal electrical fitout professional for your commercial space.

Research their Experience

Experience equates to skill honed over time. When a provider has weathered different challenges across projects, they accumulate an arsenal of solutions. This vast experience is not just about the number of years in business but the diversity and complexity of projects they've managed.

Check Qualifications

Beyond the basic credentials, look for those providers who consistently upgrade their qualifications. The world of electrical fitouts is ever-evolving. Being in sync with the latest advancements, Australian standards, and innovations means they bring modern and efficient solutions to your table.

Ask for References

Engaging with previous clients can be an eye-opener. Ask specific questions: Were there delays? How was the problem-solving approach? Were they satisfied with the final result? Such first-hand feedback is invaluable.

Consider their Responsiveness

In our fast-paced world, delayed responses can be detrimental. Quick, clear, and concise communication reflects a provider’s dedication to potential clients. It's a clear indicator of their professionalism and can also hint at how they'd handle project-related challenges.

Evaluate their Portfolio

Delving into their portfolio helps gauge their style and proficiency. Look for diversity. Have they handled projects similar to yours? Their portfolio can also provide insight into their innovative capabilities and their ability to marry form with function.

Assess their Infrastructure

Advanced equipment isn't just about efficiency; it's about precision. A provider who invests in state-of-the-art tools and maintains a well-trained in-house team showcases a commitment to delivering quality and staying abreast of industry advancements.

Check for Insurance and Licensing

Venturing into commercial electrical fitouts without proper licensing or insurance is a risky affair. It's imperative for the provider to be compliant with all legalities, ensuring your business is insulated from potential pitfalls.

Determine their Health and Safety Protocols

The success of a project isn't solely about the end result; the journey matters. Every stage should prioritise safety. Rigorous safety protocols mean fewer disruptions and a smoother project flow.

Understand their Pricing Model

Beyond the total cost, it’s essential to dissect the quote. Are there hidden charges? What's the payment schedule? Does the quoted price offer value for money? A transparent pricing model can help avoid future misunderstandings.

Ask About Their Timeline

Every commercial project has a domino effect. Delays can lead to financial drains. Hence, understanding the provider's timeline, milestones, and having a buffer for unforeseen challenges is prudent.

Sustainability and Eco-friendliness

A provider who integrates green practices is not only contributing to the environment but potentially offering you long-term savings. Energy-efficient systems, for instance, can considerably reduce monthly overheads.

Flexibility and Customisation

A standard solution seldom addresses unique challenges. A top-tier provider will tailor their strategies to fit your specific needs, ensuring optimal functionality.

The realm of commercial electrical fitouts is intricate. It's a symphony where every note matters, from the initial consultation to the final handover. Your chosen provider will significantly influence your commercial space's functionality, safety, and aesthetics. The above tips offer a comprehensive lens to view potential providers through, ensuring you make a choice that aligns with your vision and offers value in every facet. As you navigate through this selection process, remember that an ideal partnership marries your aspirations with their expertise, creating a commercial space that's efficient, safe, and resonant with your brand identity.

[assistelectrical]

How to choose an Electrical Contractor in Ireland?

Choosing the right electrical contractor in Ireland is crucial to ensure that your electrical work is done safely, efficiently, and up to the required standards. 

Here are some steps to help you select the best electrical contractor:

1. Research and Recommendations: Start by researching local electrical contractors in your area. Ask for recommendations from friends, family, or colleagues who have recently used electrical services. Online reviews and testimonials can also give you valuable insights into the contractor's reputation and quality of work.

2. Licensing and Insurance: Ensure that the electrical contractor you choose is licensed and insured. A valid license indicates that they have met the necessary requirements and have the required expertise. Insurance coverage is essential to protect you and the contractor in case of accidents or damages during the project.

3. Experience and Expertise: Look for contractors with extensive experience in the type of electrical work you need. Different contractors may specialize in residential, commercial, or industrial electrical services. Choosing a contractor with expertise in your specific project type ensures better results.

4. Certifications and Qualifications: Check if the electrical contractor and their team members have relevant certifications and qualifications. Membership in professional organizations or associations can also be an indicator of their commitment to industry standards.

5. Request Multiple Quotes: Contact several electrical contractors and request detailed quotes for your project. Compare the scope of work, materials, and prices offered by each contractor. Avoid choosing solely based on the lowest price; consider the value provided and the contractor's reputation.

6. References and Portfolio: Ask the contractor for references from previous clients. A reputable contractor should be willing to provide you with references or showcase their portfolio of completed projects. Contact the references to inquire about their experience with the contractor's services.

7. Communication and Professionalism: Pay attention to how the contractor communicates with you during the initial contact. A professional and responsive contractor is more likely to handle your project efficiently and address any concerns promptly.

8. Safety Standards: Inquire about the contractor's commitment to safety standards and their approach to ensuring a safe working environment during the project.

9. Warranty and Guarantees: Ask about any warranties or guarantees offered on the work performed. A contractor who stands behind their work is more likely to provide quality service.

10. Contract and Payment Terms: Before starting the project, ensure that all terms and conditions are clearly outlined in a written contract. Understand the payment schedule and any deposit requirements.

11. Local Knowledge: A contractor with local knowledge is aware of regional regulations, permits, and other requirements specific to Ireland, ensuring compliance with local laws.

By following these steps and conducting thorough research, you can make an informed decision and hire a reputable and qualified electrical contractor to meet your specific needs in Ireland.

If you are looking for the best Electrical Contractor in Ireland You can Contact Assist Electrical Today. Assist Electrical Services are currently registered electrical contractors with RECI and comply with all current electrical regulations.

[carswreckers]

Buy Used Cars Auckland: The Ultimate Guide to Buying a Used Car in New Zealand

Buying a used car can be a daunting task, but it doesn’t have to be. Whether you’re a first-time car buyer or looking to upgrade your ride, there are many factors to consider. In New Zealand, buying a used car in Auckland can be particularly challenging, with so many options available in a bustling market. We’ll take you through everything you need to know about buying a used car in Auckland, from the best places to look for a car to the most important things to check before making a purchase. With their expert tips and advice, you’ll be well-equipped to find your dream car without breaking the bank. So, let’s dive into the world of buying used cars in Auckland!

Choosing The Best Type Of Car For Your Needs

When it comes to buying a used car, the first step is to decide which type of car is best for your needs and budget. You may be looking for a family car, a sporty hatchback, or an economical sedan. You should also consider the available cash for cars offered in the market. Before making your decision, think about the features you’re looking for in a car, such as size, fuel economy, performance, and safety features. If you’re looking for a reliable and efficient vehicle, you should look into used hybrids or electric cars.

Alternatively, if you’re looking for a powerful and luxurious vehicle, you could explore the used luxury car market. It’s important to take your time and research various models before making a final decision. Make sure you know what kind of cash for cars is being made by each dealership. This can help you determine how much money you can save on the purchase. Additionally, there are numerous resources available online that can help you compare prices on different vehicles. Researching different models can help you make an informed decision when it comes to buying a used car from Buy Used Cars Auckland.

Consider Your Budget

Buying a used car in New Zealand can be a great way to get behind the wheel for less money. However, it is important to make sure that you consider your budget carefully when shopping for a used car. Think about how much you can realistically afford and determine how much you want to spend on a car. It is also important to factor in additional costs such as registration fees and insurance. If you are low on cash, then you could look into options such as cash for cars services, which can help you get the best value for your money. Car Removals Auckland offers cash for cars services in the Auckland area.

This company will purchase any vehicle regardless of its condition or age, and offer you an instant cash payment for it. All you have to do is arrange a convenient time to drop off your vehicle, and they will take care of all the paperwork and removal of your vehicle from its current location. They also offer free quotes so you can easily compare prices with other cash for cars companies. By selling your car through Car Removals Auckland, you can make sure that you get the most out of your used car purchase.

Reading Independent Reviews

When you’re looking for a used car in Auckland, one of the best ways to get an unbiased opinion on a car you’re interested in is to read online reviews. You can find reviews written by previous owners or buyers of used cars, which will give you an honest look at how reliable a particular model or make is. Make sure to read reviews written by people in the same area as you, such as those who live in Auckland and the surrounding areas. This will ensure that any information provided is relevant to the cars available in your area. You can also check out reviews from Car Removals Auckland, which offer professional advice and honest appraisals of used cars in Auckland.

They have experience with buying cars for both individuals and businesses, so they can provide insight into the pros and cons of certain makes and models. Car Removals Auckland have established relationships with local dealerships, so they often know about cars before they go on sale. Additionally, they are familiar with the paperwork required when selling or buying a used car in Auckland, so they are able to assist in making sure everything is handled correctly and efficiently. By using Car Removals Auckland to help you buy a used car in Auckland, you can rest assured knowing you’re getting sound advice backed up by industry experience.

Taking A Car For A Test Drive

Before you buy a used car in New Zealand, it is important to take it for a test drive. This will allow you to get a better feel for the car and to spot any problems that may need further investigation. Before you go on a test drive, make sure to check the owner’s manual to determine any special considerations when driving the car. Additionally, make sure to use Car Removals Auckland service for professional and reliable car removal services.

When taking the car for a test drive, pay close attention to how it handles in turns and braking. Additionally, look for any vibrations or strange noises, as well as any strange smells that may suggest a mechanical problem.

Be sure to also test out all of the features on the car to ensure they are functioning properly. Finally, make sure to check the brakes and tires and make sure they are in good condition. If you find any issues during the test drive, you can negotiate a lower price or request that the repairs be taken care of before you buy the car. This is an important step in buying a used car and can save you time and money in the long run.

Have The Car Inspected By A Mechanic

When buying a used car, it is always important to have it inspected by a qualified and experienced mechanic. The mechanic will check for any signs of wear and tear or damage, as well as mechanical and electrical issues. A good mechanic will also be able to give you an accurate estimate of the car’s condition and estimated lifespan. This is important in order to ensure you are getting a reliable vehicle and not one that may need costly repairs in the near future.

If you are purchasing a car from a private seller, it is best to arrange a pre-purchase inspection from a reputable mechanic. Alternatively, if you’re buying from a dealership or a car removals company in Auckland, ask for a full service record to make sure the car has been regularly maintained. Having the car inspected by a mechanic is one of the most important steps when purchasing a used vehicle.

It can help give you peace of mind and ensure you get a quality car at the right price. Additionally, you should take the time to check the vehicle’s past records, including its registration history and previous owner details. You should also look into how much mileage the car has done and how many previous owners it had. This way you can gauge how much use the car has had and if there are any potential problems associated with it.

Another step to consider when looking for a used car in Auckland is to go online and do some research on the market trends for cars similar to yours. Knowing what similar models usually go for can help you better negotiate a fair price with your dealer or private seller. Lastly, don’t forget to read customer reviews online so that you have a clear understanding of what previous customers have thought about their experience with a particular used car dealer or business.

Conclusion

Now that you’ve considered all the factors, you’re ready to buy your used car in New Zealand. You may even consider a CarsWreckers for the best value for your money. No matter what kind of car you choose, you’ll be able to get a great deal if you do your research and make sure you’re getting a reliable car. Good luck in finding the perfect used car for you and your family!

Source URL:

https://outfitclothsuite.com/buy-used-cars-auckland-the-ultimate-guide-to-buying-a-used-car-in-new-zealand/

[illfoandillfie]

I gotta agree with that anon-your tags about being a nanny felt up by roger... Oh Lord 😍 Even imagine you were like a housekeeper, there for purely maintenance purposes because he is off around the world for so much of the year, but then when he comes home he makes his presence felt very much so y'know 😖🔥

Here's the first of the bday blurbs! This was requested a while ago (try december 2020 😬) in response to my tags on THIS post.

(Also just a heads up a lot of these first few blurbs were written between midnight and 2am so please excuse any mistakes lmao)

Working for Roger Taylor was a dream. Not because of who he was but because of the job he’d given you. Property manager was the official title but it was more than that. Whenever Roger was out of the country – be it for a tour or to record at the studio in Montreux or just for a family getaway – you stepped in to manage things for him. A lot of your duties were things like making sure the gardener arrived when he should, sorting out people to service the gas and electrics, and checking insurance payments had gone through on time. But curveballs were thrown your way all the time – sudden calls to pest control and afternoons watching his kids when the babysitter was ill being the easiest to deal with – and you were happy to do whatever he needed. He was a good boss too. Roger always made sure you were paid fairly and treated you with respect. He’d hit on you once when he was less than sober and you’d caught him looking a couple other times but he never made you uncomfortable. In fact, you’d liked it and encouraged it and somehow you’d ended up in his bed. It hadn’t been planned but it was fun and nice and he’d made it clear your job didn’t hinge on it happening again. Of course, you couldn’t stop at just the once and it turned into a semi-regular thing. After that he’d told you to use his pool and his house whenever you wanted, even offering you his room if staying in the house you were maintaining would be easier. It was fun to imagine what he might do if he came home and found you in scanty pyjamas or just your bathers.

Roger was due back from his latest trip to Montreux and you were patiently waiting, as had become your habit, in his living room. Typically, his return would mean a conversation to debrief him about what had been required while he was away. He liked to be as on top of things as possible and this time there had been an incident which resulted in a broken window that you needed to tell him about. Although you suspected it would have to wait until after he’d been on top of you. But, to your surprise, Roger was not alone when he let himself inside. He was accompanied by his two kids who squealed with excitement as they ran to the pool. Roger saw you and sighed with relief, “Thank god you’re here. Do you mind hanging around for the rest of the day? I’ll pay you overtime.” “Oh, of course, whatever you need Rog.” “Thank you. The flight was exhausting and I wasn’t expecting the kids until tomorrow.” You waved your hand to cut off his explanation, a little disappointed that any fooling around would have to wait, “Let me know what I can do.” “Just help me keep an eye on them.” he chuckled before heading out to the pool.

You delayed joining the family until you’d changed into your bathers and loaded a tray up with drinks and some snacks. Roger smiled gratefully when he saw you and his fingertips grazed your hand as you handed him a glass. You shivered at the contact but were quickly distracted as the kids pulled you towards the pool. You played along with their games, keenly aware of their father watching, until you could convincingly claim you needed a drink and make your escape. “I was thinking I’d order pizza for dinner,” you said as you passed Roger, “easier for everyone.” “You’re a life saver Y/N.” You bent forward to pour yourself a drink when you felt Roger close behind you. “I hope you’ll stay the night,” he said softly, tracing his finger over the back of your arm. You turned around, looking up into his gorgeous eyes but struggling to find any words. “We haven’t had a chance to go over everything yet, and there’s something very important I need to discuss with you.” Your heartbeat quickened as Roger’s hands settled on your hips, slowly rising higher and higher until his fingers grazed the sides of your breasts. You pressed yourself closer and he smiled lazily as he cupped your breasts and squeezed them. But all too soon his touch was gone and he was moving to the edge of the pool, getting ready to cannonball in while the kids cheered him on.

By the late afternoon Roger seemed so tired you decided to take pity on him. He had a cat nap on the sofa while you took the kids to a video store and bought a tub of ice cream for desert. And then you let them jump on him to wake him up before he overslept. In the evening you called up to order the pizza and sat through the first of the inane children’s movies as you ate but once the ice cream had been served you excused yourself. You itched to touch Roger, to continue what he’d started, and couldn’t stand just sitting there any longer. Instead, you made your way to his office to tidy up the papers you’d left out, and then to your room to read.

You’d been there for close to an hour before Roger knocked on your door. Snapping your book shut at the sound you quickly scooted out of bed and tried not to seem too eager as you pulled open the door. “Thanks for today.” He said seriously, “You were a huge help and I promise tomorrow morning we can go over all the business stuff. But right now the kids are asleep and there was that very important thing we need to address.” “Of course, Mr Taylor,” you put on your most innocent voice and looked up at him, biting your lip, “You know I’ll do whatever you want.” Roger hummed as his hands found their way to your tits again, squeezing you through your sleep shirt, “Good. I need obedient employees.” You giggled as he caught you in a kiss, hands moving to grab your arse as he kicked the door shut.

[givemethatgold]

Fix’er Upper Pt. 3

Pairing: Eventual Frankie Morales x F!Reader Warnings: Clumsy injury, more stupid fighting Length: 2.5k Notes: If these two dummies could have one (1) adult conversation they’d be in bed together by now. Instead, we get this! *waves around vaguely*

PART ONE, TWO

Money was tight. You had been trying to ignore the dwindling stack of cash, telling yourself that you didn’t actually need to fix the cracked drywall, replace the old oven, or fill in the missing patches of shingles. 

That ignorance had finally come to bite you in the butt. You were rudely woken at three a.m. to the clap of thunder and the pat-pat-pat of rain hitting the house. You loved storms, the excitement of the lighting, and how fresh the air smelled once the rain had passed. 

You rolled over onto your back so you could watch the lightning flashing between the cracks of your curtains. A tap on your forehead quickly destroyed the excitement you were feeling. The wet ‘splat’ was quickly followed by another, and another, and before you were able to scramble up and search for the closest thing resembling a bucket, it had turned into a steady stream.

“Fuuuuuuuck!”

The next morning, the sun rose and shed its light upon a beautiful scene. The leaves, now free from dust, were beginning to turn, the grass glimmered with raindrops, and the sky was clear. You, on the other hand, were a verifiable disaster. 

Hair unkempt, heavy bags under your eyes, and wearing the first items of clothing you could find in your scramble last night. Your exhaustion was so complete, it hadn’t even dawned on you to change or freshen up a bit before going out into the public eye. All you could focus on was getting to Hank’s Hardware and buying all the shingles you could get your hands on.

Once again, however, you were harshly reminded of your dwindling savings and just how expensive fixing up a house could be. The owner, Allan if you remembered correctly, had shown you the right size and style for your home’s roof and you nearly choked at the price.

“You know,” he had said gently, “we do have the option of a payment plan. I don’t let just anyone use it either. It’s for trusted customers. I have a good gut on who I can trust.”

“Really?” You asked, feeling a little pathetic while also knowing now was not the time to let pride ruin such a good thing. “And, um, what does your gut tell you about me?”

“Welllll,” he smiled, hooking his thumbs into his suspenders and leaning back a little to size you up. “You’re hard-working, feel like you have something to prove, won’t back down from a challenge, and are in way over your head with that damn old house.”

“Oh.”

“No offense, ma’am! Sometimes I forget myself and talk to strangers the same way I’d talk to my friends.” He patted your forearm gently then hooked it back into his suspenders, pretending he didn’t notice you jumping at the physical contact. “But it’s true. No denying you won’t be able to shingle all by yourself. I’d offer, but I’m in no shape to be climbing up roofs.”

“That’s very sweet of you, truly. But I’ll manage! I doubt I could afford a handyman, so it’ll be me and my stubborn self scrambling around up there.” You joked, but it fell a little flat since the both of you knew it was the truth.

“I’ve got an idea...” Hank trailed off, his gaze searching around by the till. “Maybe you two can help each other out?” He fiddled at the computer for a minute, then grabbed a flyer from the corkboard mounted behind the counter before handing you two pieces of paper. One was a receipt of what you owed him after this latest excursion and a detailed timeline of when small payments could be made. 

Glancing up at him, you gave him a watery smile and thanked him for being so kind. Allan waved you off and pointed to the second paper.

‘Help Wanted’ it read, ‘Morales Acres. Light physical labour, quiet environment, rate of pay dependent on quality of work.’

“So friendly and welcoming,” you murmured, sarcastically, under your breath. Not quietly enough though because Allan snorted out a laugh and agreed that the ad was worded very abruptly. However, he vetted for the owner of the farm and suggested you head over to see if he would be willing to trade labour for labour.

Or at the very least, you thought, pay you so you can afford a roofer.

Following the directions Allan had provided for you, you quickly found Morales Acres. Surprisingly, it was a very short distance from your own home, making you wonder if the owner had been one of the people to drop by during your first weeks here.

The driveway was a beautiful, winding drive. The view of the farm was obscured by thickets of trees on either side of the road but you managed to catch glimpses of a pond and a few bales of hay before rounding a bend and driving into the yard.

A small gasp left your lips at the sight. It was picturesque! Something out of a travel magazine, or on every city girl’s Pinterest board. The driveway came to an end in front of a statuesque barn painted in the classic red and white, stone walls cordoned off certain areas that, from where you sat, looked like they could be used to house sheep or hens. A few small sheds were lined up along the other edge of the yard but the main attraction was the neatly lined rows of apple trees all heavy with fruit.

Climbing out of the cab, you slowly made your way into the yard with your mouth hanging open dumbly. It was just so peaceful here and it was obvious that the owner cared deeply for the property. You were enchanted and fell immediately in love.

“You must be the help Allan called to say he was sending over,” a warm voice rang out.

Looking around for the source your gaze widened, then immediately hardened, when you caught sight of who was talking to you.

“You!”

“You?!”

To say it had been a smooth business agreement would be a total lie. You and Market Asshole, Frankie you reminded yourself to call him, had bickered back and forth for the better part of an hour before shaking hands. Surprisingly, you had both argued more for the other person’s benefit, something you had been mulling over since.

If this guy was such an ass, why was he also acting like his help with your renovations wouldn’t be worth as much as you picking apples? You knew your presence disturbed his peace, and that you weren’t as strong as he might have hoped his helper would be, and he still hadn’t trusted you with all the workings of his orchard. 

So, while you weren’t going to argue anymore, you knew you were getting the better end of the deal: you help him gather his harvest and get it safely stored in the barn, then he spends the same amount of hours helping you. While the weather during September was prone to drizzle, you had convinced him that a tarp thrown over the baldest patches of roof would be fine and that the apples couldn’t wait. 

He had grumpily conceded your point but had sworn that as soon as the last of the fruit was picked he’d be over to do a proper job of it. So continued the uneasy truce between the two of you for the past four weeks. The first week was the hardest as your hands, unaccustomed to work, blistered, and your muscles ached from sudden use. You had initially tried to pass the time by making conversation but you got the hint and stayed quiet once Frankie started choosing trees farther and farther from yours.

Slowly, however, the blisters healed and gave way to callouses. Your muscles became accustomed to the work and you were able to carry twice the amount as you had started off with. Your home could now boast electricity and running water everywhere it should be, and the pile of discarded furniture had been reduced to ash by a spectacular bonfire which Jacquie and her family had joined you in admiring.

Today started off as a normal day. You showed up for harvesting at the break of dawn, having discovered you much preferred the cool morning air over being up on a ladder with the midday sun beating down on you. The trees were obscured by a low fog that had yet to burn up, but you knew what section you needed to start on. 

Enjoying the way the fog enveloped you, making you feel like you were in a magical world, you began to hum and your steps took on a dreamy dance-like quality. You had never taken lessons or had even been allowed to make such a spectacle of yourself while living with Brad but now you felt free enough to spin, twirl, and glide. Overcome with the joy your freedom gave you, you began to belt out “These Are a Few of my Favourite Things”, The Sound of Music having been played on repeat when you were a child. 

Once you reached the ladder, you hoisted the basket onto your back and continued to sing whatever songs you could remember while you worked. A particularly boisterous rendition of “Do Re Mi” had you flinging your arm out wide and leaning back on the ladder for a dramatic finish.

The apples threw you off balance. 

With a screech, you fell backward, managing to twist yourself around to land awkwardly on your hands and knees instead of on the basket of apples strapped to your back. You seemed to have come away unscathed, with just scratched knees and a throbbing in one wrist. Thankfully it wasn’t your dominant hand.

“Whoa!” Frankie called out, catching sight of you on the ground with the ladder tipped on its side, “Everything okay? Are you okay?”

Coming to a skidding stop next to you, he grasped the basket and slipped it off your back with ease. 

You took a few deep breaths and nodded. “Fine! Fine, just bruised knees and ego...” you assured him.

“What were you thinking?!” He tore into you, “You could have broken your neck! Or ruined a whole barrel of apples! Then what would I do?! This job doesn’t come with health insurance for Christ's sakes!” Running his hands through his curly, brown hair he let out a huff of air and walked over to where your ladder lay on the ground.

“Un-be-fucking-lievable!” You called out, incredulously. While trying to get to your feet, to march over and wag your finger in his face, you put too much pressure on your injured wrist that caused pain to scream down your arm.

You managed to mask the cry of pain as a cry of frustration and got to your feet. Surreptitiously cradling your hand against your chest, you grabbed another basket and walked past Frankie to start climbing the ladder again. Looking at the ground so he wouldn’t see the tears of pain in your eyes, you mumbled, “I’ll be more careful, alright? I’m sorry.”

Stopping your ascent with a hand on your arm he stuttered out what might have been the beginning of an apology but he couldn’t quite seem to put the right words together so he just cleared his throat.

“Just...” he said in a much softer tone, “just be more careful. Okay? I can’t lose my best worker.” 

The lame joke made you smile despite yourself. 

“Employee of the month,” you replied in a dry tone, “hurrah.” 

You shared wry smiles while a silent apology passed between the two of you. His dark brown eyes held a warmth to them you had never noticed before. Their hue reminding you of every tree in the orchard from the early light to the sunset, golden flecks reminiscent of the sun. His face, weathered from so much time spent outdoors, was marked with laugh lines, worry lines, and a small scar gracing his left cheek. 

Your eyes wandered past the scar to note how long his scruffy facial hair had grown and how it had started to obscure those pleasantly pouty lips. 

Then, with a start, you realized you were staring at this infuriating man’s lips like a hormonal teenager. With an embarrassed squeak, you quickly scurried up the ladder, hooking your elbow around each rung to avoid any more pressure on your wrist.

To say Frankie was coping well with having someone around would be a gross overstatement. 

It’s not that he didn’t like the company or wanted to be alone. The problem was that he was starting to like her company too much, to care too much. And caring too much had been the root cause of all Frankie’s sorrows.

First, there had been his Dad, trying to impress the man who never even wanted kids. Then the force, always feeling like he needed to prove himself and desperate for praise. After that was his wife, ex-wife, and trying to be someone he wasn’t so she would stay interested and in love. The pressure created by caring about these people and the expectations they had for him drove him to abuse drugs. Then his friends came calling and Frankie went against his gut because they had cared so deeply about something and he had cared deeply for them.

His wife, his kid, his family, his job, his friends. He had cared more than they did and he had come away worse off. At least now he was clean and sober, and was very aware of the irony of him now making and selling an alcoholic drink.

No, it was best to stay alone. He loved too freely and put too much stock in being loved back and every. single. time. it hurt him.

So, he closed himself off from you. Initially, he didn’t think it was going to be an issue, especially considering how you two had met. But then he found himself smiling at your stories, idly leaning against a branch so he could watch your graceful moments. He hated watching you leave, knowing you were going home to that piece of shit house that he should really be fixing up for you.

He recognized the signs and nipped them in the bud; working farther away, replying to questions with the fewest possible words, focusing purely on work, and maintaining a professional relationship. It pained him to push you away but deep down he knew it was best for the both of you.

Which brings him back to this moment.

Frankie was too stunned to notice your awkward climb up the ladder. Standing there, dumbly, for another few seconds. Wondering, all the way back to the idling tractor, what the hell had just happened.

One minute he was just driving the tractor minding his own business and the next he was having a mild heart attack after seeing his only worker laying limp on the ground. Then, after arguing like usual, you had shared a...a moment and stared at his mouth almost long enough to tempt him to use it.

Part Four

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@rebelliouscat @pedro4ever @speakerforthedead0 @yespolkadotkitty @ilikechocolatemilkh @weirdowithnobeardo @pedro-pastel @disgruntledspacedad @a-skov @trash-dino-5000 @reader-s-cantina

[taxreliefservices]

The Most Important Information to Give the IRS to Settle Your IRS Tax Debts

If you Owe Back Taxes, if you are suffering from an Economic Hardship and if can’t pay your Monthly Living Expenses, you May be in Luck!☘️

When you owe back taxes to the IRS, May suddenly become very interested in your monthly income and expenses!

In fact you may want the IRS to know about your personal financial situation!

You may want to share your monthly expenses, such as your;

• Housing costs

• Car payment, gas, and insurance

• Gas, water, electric and other utility bills

• Medical insurance

• Cell phone

• Groceries and dining out

…and much more.

Why would you share this information with the IRS?

It all comes down to what the IRS calls Allowable Living Expenses.

The second you become a tax debtor, the IRS has a Secret tax lien against everything you own, including your future income. This is a feature of federal law, and it’s the basis for all the other collection actions that the IRS can take against you, such as a Wage Garnishment or Bank Levy.

Because of the lien, the IRS legally has a say in how you spend your money. Nobody likes this, but it’s the reality of how the US tax code works.

As with most laws, there is a long and complicated list of rules that go into determining what place the IRS holds in line behind or ahead of your other creditors, but the bottom line is that the IRS wants to get paid, and they have power to make your life a living nightmare by enforcing the tax laws over your money and assets.

It’s not all bad, however. There are specific legal protections that exist to prevent the IRS from taking everything you own. In simple terms, the IRS is not allowed to make you destitute. In other words, they are not allowed to put your family out on the street or force your children to starve if it creates an Financial Hardship on you and your family.

This is where those Allowable Living Expenses (ALE) come in. The IRS must allow you to pay all your basic living expenses, even if it means you cannot pay the IRS what you owe them. Sounds Great! Mostly, other than the tax lien they may file.

The IRS has legal standards that is required to follow and allow you and your family to pay before the IRS can collect anything. These are the usual categories:

• Food, clothing, personal care products, and “miscellaneous”

• Out of pocket health care costs

• Vehicle ownership and operating costs

• Rent or mortgage

• Utilities, including gas, water, electric, cell phone, Internet, and more

For vehicle operating costs, housing, and utilities, they do take into account regional variations for these costs. The rest are all based on national numbers. All the numbers also have adjustments based on family size.

These numbers “dictate” what the IRS will allow you to spend every month to live. Your income, when compared to these allowable standards, is what determines which IRS tax relief options you may be eligible for.

If your income is less than the total monthly allowable living expenses for Honolulu or where you live and family size, you might be eligible for a program that allows you to pay the IRS nothing. Yes, nothing. Zero. Nada. Zilch.

If your income is also less than the total monthly allowable living expenses, the IRS calculate for you, but you have assets – such as lots of equity in your home, stocks, bonds, classic cars, crypto, or the world’s most valuable Vinyl Record collection – then they’re going to take into consideration the value of those assets, too. But, in such a situation, you may be able to settle your tax debt for less than what you owe, and walk away from the rest.

If your income is more than the allowable living expense calculation, then the IRS is going to take that “excess” income into consideration for a reduced settlement. If you’re not eligible for a reduced settlement – which most people are not – then this “excess” income becomes the monthly minimal payment the IRS can require as a monthly payment.

One of the first things that Tax Relief Services can help our clients when they hire us to help them with a tax debt problem is to conduct a detailed Preliminary Analysis the exact same detailed financial analysis that the IRS should do but most of the time will not. We do the Preliminary Analysis for a number of reasons, such as:

1. Determining which IRS programs you’re eligible for.

2. Seek opportunities to legally increase your allowable living expenses.

3. Determine if the IRS balances are correct.

4. Look for unique circumstances that might open doors to outside-the-box resolution options.

This preliminary financial analysis is crucial for us to be able to get the best possible deal for our clients. Since the vast majority of tax debtors will end up on a monthly payment plan to the IRS, our job is to help get you the smallest possible monthly payment and help you minimize the short-term financial impact on your budget.

The IRS is NOT LOOKING OUR FOR YOU, BUT TAX RELIEF SERVICES IS!

If you’re in a situation where the IRS is hounding your, then we should chat. You don’t want to wind up in a situation where the IRS simply pigeon-holes you into the situation that is most convenient for them, leaving you unable to pay other monthly bills. Just schedule a time to chat:

WWW.TAXRELIEFSERVICES.COM

CALL TODAY!

TAX PROBLEMS DON’T GO AWAY!

808.589.232

[softandweto]

Help

I know I should put this up somewhere else, but I can’t. Tumblr is my only option and I need all the help I can get right now please.

I had to make a GoFundMe because there’s nothing else I can do. Please spread the word and the link is right here. I’ll be putting the same info in the GoFundMe under the Read More for those who want information up front.

Hello, I hope this finds any who visit well. Before I get into the reason for me making this, I’d like for you all to know how we got here.

My name is Xenia and my boyfriend and I have been living together for nearly a year now. At the beginning, things were going very well. We both had a stable income, and while that trailer was not the best place, we were secure and didn’t have to worry much about finances. Then, March came around and Covid hit us hard. I lost my job as a Teaching Assistant for Special Education, and my boyfriend’s job got more dangerous as a Med Tech working in a nursing home. I was unable to find a job for months, and things were starting to take a bad turn. 

We had some friends living in the state next over who had offered the both of us to move in with them. My boyfriend would have to go back to CNA work, however, as that would be the only license of his that could transfer to the state. My license as a Teaching Assistant was originally for that state, so it seemed to be perfect. After weighing all our options, we decided to make the move and take the risk.

Once again, things were looking well. We both got a new job within the month, and only had to worry about paying a combined $600/month outside of our car payments. With all this, we were able to put up with a lot of things. A majority of the house leaving the place in disarray for the both of us to handle. The racism that we didn’t catch up on until the end. The disregard for my dogs and their health. The fact that, despite how behind the house supposedly was on bills, they could afford to continue to finance new furniture and electronics while we could barely afford to pay the rent and our own food. We could put up with it because we were with friends. No way they would do all this on purpose.

Eventually, after two months of living there, it became too much and they used every excuse possible to force us out of their home and ostracized us. Suddenly, we were the issue. It was our fault their dishes continued to pile up. It was our fault they felt too anxious to leave their rooms. All their problems were now because of us. We had no other choice to move in with my mom and my brother in our old state. Once again, we were out of jobs and couldn’t find work no matter where we looked. I eventually found a job as a server again, but he was unable to find any work despite his CNA credentials.

When October came around, I was working full time for a server minimum wage, while my boyfriend had finally gotten some good news and was starting to work. We scrimped and saved for two months and were finally able to get enough to get our own home. A trailer in a small suburb just outside town was freeing up early December. At first, the price for the rent seemed impossible to make. But, I had received an email from a work from home position I applied for. Early January, I would be starting with them for more than minimum wage.

Things were finally coming into place. Things were once again looking up and we could taste the stability. Then, after a week of being moved in, we decided to enjoy a meal together made in our own home. All the stress, all the craziness we had put up with, it was worth it. But, we couldn’t taste our food. We started noticing the coughs when we were moving, but didn’t think much of it till then. We got tested, and our fears proved to be true. We had Covid.

It was brutal. It felt like suddenly we’d lose everything. The two weeks we spent in quarantine was like our own personal hell scape. Within the first week I was notified they were training someone else to take over my Shift Lead position. A title more than anything, since the pay did not change and minimum wage was all I could get, but that didn’t stop what I knew was coming next. A few days later, I was let go. Tossed aside like an inconvenience. For my boyfriend, they just put him out entirely. For the third time in one year, we were both out of a job. But now, we could face eviction.

We recovered from Covid, and just in time too. I was able to start my new job, but two weeks of no pay had put us out tremendously. One company hired my boyfriend, but we would shortly learn that they would never actually give him any hours. December and January have tested us on what we could and couldn’t live without. We had to forgo a majority of necessities.

We couldn’t set up a disposal service. We had to leave mail to pile up. Living off Dollar Tree groceries. Go weeks without gas. Pawn what we could just so we could make rent and utilities. Now, with February ending, all of this has caught up to us. 

Months of garbage have piled up so high we’ve designated a “trash room” just to keep it out of the way. Toiletries have been out for weeks, but we can’t even afford groceries so soap and cleaning products are out of the question. Our propane is almost completely gone. All the cans of food we had stockpiled are a day away from running out. And we can’t afford our bills. Not with all my checks being used to barely keep us alive.

My boyfriend has recently started a new job, but they won’t pay him in time for us to pay our bills. Which is why I’m reaching out to y’all for help. We have both done everything in our power to keep ourselves above water, but now we can no longer keep it up on our own.

Here is a breakdown of our situation as of today:

My recent paycheck is completely gone after using it to get some of our bills stabilized, but they are already getting back into the red with how far behind we are.

Our car payments are coming up as well as insurances. One car payment is my full check, and we won’t be able to pay for one of them, much less their insurance

We were able to get rid of four bags of trash thanks to some helpful neighbors, but it’s starting to pile once more and I’m worried bugs will start to come out

Internet and Electric must be paid within the next few days in full or risk disconnection. With these two gone, I can’t make any money whatsoever

Food will be out as of Tuesday and with no money left from my check, we’ll be unable to get any groceries for who knows how long

We just ran out of Propane which is used to keep water hot as well as to cook

I hate asking for help and not letting people know what the situation is or what the money will be used for, so I will do so now.

I am asking for 2500 which will leave us with a touch of extra money for things like groceries, toiletries, and vehicle maintenance that is greatly needed. The breakdown is as follows:

$550 - Rent

Rent is due on the 12th of each month and requires two checks to meet. Last month we were able to pay in two separate payments, but our landlord has said that it was the only time and March forward it will need to be in full each month.

$650 - Car Payments

Both cars are $300/month, but we’ve passed my boyfriend’s due date and have incurred a late fee. My car is due on the 6th and if it’s not paid in time, they will repo.

$500 - Insurance

Both Insurances are ~$250 each. Without the insurance, the cars will also risk repossession and my boyfriend needs the vehicles for transportation

 $235 - Internet + Electric

I’ve lumped these together since they are both necessary for my job as well as being ones that need to be paid by this Tuesday or they will disconnect

$100 - Propane

$100 gives us enough propane to last a month. Without this, we can’t shower, do laundry, or even cook

$120 - Disposal + Mail

Disposal and Mail service needs to be set up as soon as possible, but to be honest they are low on my priority list compared to everything above.

$345 - Groceries, Toiletries, Cat Care, and Car Maintenance

With the extra money we can comfortably get through a month with little hassle. I know that more bills will be due later on, but once my boyfriend starts getting steady checks again We can at least make it through on our own with this little extra

I know that right now, things are very tough. I may also come about as rather...presumptuous and hopeful that maybe, just maybe, people can help us out in our time of need. I know it’s a lot to ask, but if you see this and are unable to help us out yourselves, please spread the word as much as you can. I cannot allow us to fall after everything we’ve been able to get through this horrible year. Please, if you can give even a dollar, that’s one dollar closer to getting out of this hole.

Thank you, and I hope that you all have a safe and happy time going forward.