#and if you got medical insurance- you tell them you were driving past/at a restaurant near by that led you to the gas exposure

[taviokapudding]

Also if you live in the USA

Check to see if you're in a "no boycott Israel" state/territory because if y e s, just a heads up cops are being encouraged to use more force across 30+ states.

Have a plan and contacts set up if you do get arrested or are expected to be arrested. Learn and take things with you on the off chance mustard and tear gas is used. And I strongly urge traveling in teams of 3 with at least 1 white person/1 passer (ideally male).

Be on your best behavior and know your individual state laws before you head out. Collectively as a nation, we have less rights than the rest of the world when it comes to protests being respected by law enforcement and state governments so I cannot stress this enough, be responsible & aware of your surroundings to avoid getting hurt or killed by cops who will escalate if given the opportunity.

AND DONT POST YOU WERE THERE ON ANY SOCIAL MEDIA PLATFORM

YOU CAN & WILL EVENTUALLY GET ARRESTED AFTER THE FACT IF YOU ACT UP AND ARE NOT WHITE

Gentle reminder to anyone able to make it to any protests coming up please practice proper protest etiquette both for your own safety and that of others.

Wear a mask, cover any tattoos, and don't wear clothing with recognizable logos or branding. Don't take pictures of yourself or others. Don't talk to cops.

Protests aren't a fun event to post about on social media, we are trying to make an real change. Be safe and responsible

[kaspbrak-tozier-reddie]

“And They Were Soulmates?” - Reddie

I’m rewriting this into a Reddie Oneshot.

Warnings: swearing, slight homophobia mentions

Requests are open.———————————————————————

After the phone call with Mike, Eddie immediately looks down at his wrist, not really caring about how bad his car is. He can’t remember why his wrist is so important but it must’ve been a long time ago. Much like the cut section of his cast that he refused to part with. Eddie is finally brought back to his senses by someone tapping his shoulder, “I need your details, for insurance purposes,” the man who was driving the taxi, says.

“Oh right, yes of course,” Eddie replies. He eventually looks at the damage he had caused only minutes ago, both inner sides of the cars are smashed. “Fuck!”

“Yeah, ‘fuck’ indeed.” Eddie quickly gave the law-abiding driver, his details and walked to the subway, not wanting to watch his SUV get towed away. The closer he gets to the subway, the more he thinks about Myra. She was going to take him to the emergency room for sure, ‘you may have a concussion, Eddie-bear’. Eddie shudders at the thought.

His eyes flick to his wrist as it heats up, it’s only in a small spot, centred on the side, in line with his pinky. Why doe it burn? Why does he remember it burning 24 years ago?

****

He walks up the stairs from the station and makes a beeline for the apartment complex that was just up the road. It’s like a sprint, almost like he’s desperate to get in and out and back into the ‘safety’ of Derry, his home, the place he loved?

Eddie stops, he looks up at the stairs, leading to his apartment, he can’t bring himself to walk up the stair. He feels as though someone was keeping him grounded, unable to move from his spot on the sidewalk. Derry? Home. Derry? Richie. Richie? Why does that name sound so familiar? 

Small memories started to file in and Eddie knows he has to go back, he has to go back for Richie. Richie? There it is again! 

“Eddie-bear! There you are!” Myra exclaims joyfully as she embraces her husband. “I thought you left me!”

“Now why would I do that?” Eddie replies, he tries to die down his obvious fake tone and must’ve been successful as Myra skips away to the kitchen. “Um, Myra, I have a work conference that I must go to tomorrow. It’s two hours out and is only going on for a few days.”

“Okay! I’ll come!” 

“No!” It comes out harsher than he intended, and both wince. “No, it’s only workers, it’s just me and two other men going.” Myra sighs and nods. “I’ll need to leave in like two hours.” He hates it when she does this, it was almost like she hated the idea of him leaving. How he didn’t pick up on it soon, he didn’t know. It’s a smothering type of relationship and he can’t take it but he doesn’t want to hurt her.

“Oh, but I made your favourite.” The pungent smell of burnt spaghetti bolognese gets stronger and Myra removes the lid off the pot. Spaghetti? I never liked spaghetti but why do I like spaghetti?

He continues to think about his life choices since leaving Derry as he walks to the bedroom he shares with his wife. “Eddie Spaghetti.” Eddie mutters, “that’s why I always watch Trashmouth! He was my - “ Friend? No. Best friend? No. 

Two thoughts left and Eddie can’t bring himself to even think like that, so he shakes the thoughts. It’s impossible, he has a wife who he loves? Why am I fucking questioning this? 

He doesn’t bother to fold his clothes, just shoving everything he can into his suitcases. He grabs his toiletry bag and his old fanny pack that he hasn’t touched in 2 decades, still packed to the brim of old medication that he refuses to take. Just as he is about to walk out the door, he looks down at his hand. 

The wedding ring. 

He always thought it looked funny. It never sat right, it was slightly big but wasn’t big enough to fall off his finger. It was gold, he wanted a black silvery band but Myra wanted matching bands. Eddie always wanted to have sex but Myra always claimed it was dirty and a “sin”, even though they are married. How would we even reproduce? Eddie often wondered, he always thought about having kids. 

“I’m sorry,” Eddie mutters and leaves his ring on the side table as well as a quickly scribbled note and finally drags his two suitcases down the hall and out the front to hail a taxi.

***

The flight over, Eddie has time to rethink everything. He pulls open his laptop and quickly sends a few emails regarding divorce and needing to update some forms. It may be too soon but Eddie knows that it isn’t. As he tries to think back to that Summer 27 years ago, he remembers yelling at his mother. Everything that Myra had done, it wasn’t healthy and Eddie laughs quietly to himself. I married my fucking mother! 

The drugs and the little cuts and bruises and believing he needs to go to the hospital for stitches and medications to stop the bruises from forming. Leaving his mother in Derry made him forget everything he had done to prevent from being a hypochondriac and now he still is. He isn’t sick, he gets that, he never had asthma or weird illnesses that he had never heard of. 

He opens Netflix and plugs in his headphones, he searches for Richie Tozier’s Netflix Special. Even though there’s only an hour left in the 2-hour flight, he still plays it. It’s obvious from the start that the jokes aren’t his, they were homophobic and nowhere near as dirty as they used to be. The humour was restrained and dry, only heckles and coughs were heard, no applause or laughs. It breaks Eddie’s heart, he isn’t sure why. 

Sure he remembers the Losers and they had a friendship, a strong bond held by IT and bullying by Bowers’ gang, but Stan and Bill were two out of his three closest friends. Richie seems different and Eddie can’t put his finger on it. He tries to dig in his mind, staring at Richie��s tall figure on stage. 

Richie was a comedian back in the day, think Eddie, what makes this so different to when we were kids?

“Would you like one from me too, Mrs K?” Richie had asked just before he, Eddie and Bill had gone somewhere, the Barrens? Sewer?

Crap!

Richie always made Eddie the butt of the joke or made dick jokes. 

The burning on his wrist reappears, this time the skin where it burns starts to turn red. Eddie immediately covers it, trying to conceal the area from the open. It didn’t hurt this much the last time, Eddie recalls, it must have something to do with Derry.

****

As he drives past the ‘Welcome to Derry’ sign, the hairs on his neck stand up straight, goosebumps start to rise on his arms. The strange and uncomfortable feeling of being watched looms over him, he passes the cemetery, almost veering off the road as he catches a glimpse of a fluffy red hair and a white clown suit. “It’s just your mind playing tricks on you, Eds.” Eddie tries to reason with himself. “I hate being called that.” It rolls off his tongue, just like ‘Eds’. 

Who called me that? I liked it though but said I hated it. 

Hatred and frustration washes over him, he doesn’t want to be back in the homophobic town. He couldn’t, even as an adult, he didn’t want to fathom what the town would do if they found out he was gay. 

Gay?

Crap!

No wonder why his marriage felt loveless, he wasn’t attracted to her! Or women in general. He was and still is attracted to men, well one man ... Richard Tozier.

*

He finally makes it to the Chinese restaurant but stays in his car for a few minutes to compose himself, not wanting to have a full-on panic attack during dinner. Aside from the killer clown returning to Derry, it was meant to be a happy reunion, a way to catch up with the other 6 survivors of Pennywise. 

Eddie huffs and pulls himself out of his car and carries himself towards the restaurant. “Reservation for Michael Hanlon,” Eddie says to the waitress, who then leads him to a reserved table where two familiar faces stand. “Mike? Bill?” 

“Eddie!?” Mike exclaims, racing over and hugging Eddie, Bill kind of stands awkwardly. 

“Bill!” Eddie exclaims and hugs the horror writer. 

*

Not even 10 minutes later, 3 others walk in and a gong goes off. Eddie catches the eye of the tall comedian, he watches the dark curls falling over the glasses, the way his jack clung to his broad shoulders. The burning sensation, that Eddie has been experiencing for the past day, starts to burn deeper and Eddie sees his skin form black bold letters. As he looked down, black inked appeared, ‘R.T’ was written. 

Did I ever tell Richie? Or did I cover it up like I did with my sexuality?

“Did your soulmate’s initials fade when you left too?” Beverly asks as they all sat down to eat.

“Mine just came back,” Eddie replies. “It started burning when I got the call from Mike.”

“Mine never left, still says S.U,” Mike replies. Mike knows that Stan was happily married to Patricia and would never want to get in between them, sure he may never find anyone else but he likes being alone, in that sense at least. He loves having friends but doesn’t mind being alone relationship wise.

“Did you ever tell Stan!?” Bill asks and Mike shook his head. “Well, I got my soulmate.” That meant that Bill and Audra ... ? Eddie feels himself deflating.

“Mine faded too,” Ben says.

“Same,” Richie finally says just as he winces in pain and looks down at his wrist. “Shit.”

“Show us, boys!” Bev pipes up reaching over at both Eddie and Richie. Richie shrugged and reached over to Bev, Eddie followed. “OH MY GOD! Guys!” Ben, Mike and Bill gathers around Bev and looked between Eddie and Richie’s wrists. 

“OH DAMN!” Ben squeals and clamps a hand over his mouth in embarrassment. Richie grabs Eddie’s wrist, his eyes widen.

“Eds ...” Richie whispers. Eddie shakes his head as a warning and flips Richie’s wrist round he looks down at his wrist and sees the ‘E.K’. 

This shouldn’t be possible, his mother always told him that you couldn’t get an initial for someone of the same gender. Then again, she and the majority of the town were homophobic. Those thoughts are out of date now, being part of the LGBTQ+ community is accepted now, Eddie should have no fear. His mother is dead and he is planning at finally divorcing his wife.

Eddie looks into Richie’s eyes and remembers all the good times the two had shared. It was a type of love that Eddie never got from his mother or Myra, it wasn’t forced and he was able to be who he wanted to be. He could be a normal teenager who shouldn’t need to be scared of any health risks. 

All the times Richie climbed in through his window, all the times he had snuck in through Richie’s window. The hammock? The hammock, he used to argue with Richie just so he could squeeze into the hammock with him.

“I’m still married, Richie. Until the divorce papers go through,” Eddie whispers. Richie didn’t seem to care and still kissed Eddie; both had waited 27 years for this to happen and didn’t want to wait any longer.

“Eds, I fucked your mom,” Richie whispers against Eddie’s soft and now swollen pink lips.

“BEEP, FUCKING BEEP, RICHARD!” Eddie groans. “Of course you had to ruin it!” 

“I’m not even sorry, Eddie Spaghetti.”

That’s why he ‘likes’ spaghetti! One of the many nicknames that Richie gave him. ‘Eds’ he secretly loved but if he said anything, the others would call him that. ‘Eddie Spaghetti’ he absolutely hated! It was cringy and annoying, it was a means of Richie calling him cute and pinching his cheeks.

“Don’t call me that.” Eddie says. “You know i hate it when you call me that.”

“How about ‘babe’, Eduardo?” Eddie blushes, he couldn’t help it. There’s a fire inside of him that he hasn’t felt in almost 30 years and he loves it.

Eddie puts his arm up on the table, signalling for an arm wrestle. “Just like the old days.” Eddie whispers.

“Amen to that.” Richie chuckles. Their competitiveness never left, both needing to assert dominance. It had been like that for years and now was no different.

[the--blackdahlia]

Too Young to Fall in Love Chapter 53 (Dirt!Nikki x Reader)

Title: Too Young to Fall in Love 53

Summary: Nikki Sixx was a hard partying musician on the strip. He never expected to fall in love with anyone, until a girl knocked on his dressing room door looking for a ride home and took his breath away. Just like everything else Nikki did; the drugs, the money, the music; Nikki went hard with love. (Y/n) Bass never expected the bassist of Motley Crue to be the one to shake her calm and calculated life up. She had a plan. Graduate school, become an epic producer, and watch from behind the scenes as her brother’s band rose to fame. Nikki and (Y/n) were perfect for each other, too bad her brother, Tommy, didn’t think so.

Series warnings:  Smut (18+ Please), drug use, language, referenced miscarriage, drug overdose, mentioned attempted suicide, out of character moments for everyone in the band, the timeline might be a little screwy but it’s fanfiction! I know nothing of music production and my medical knowledge is really screwy, so it won’t be accurate.

2005

Nikki had dropped the kids off at Vanessa and Vince’s for a sleepover. (Y/n) was busy booking tour dates and working the behind the scenes. It gave Nikki the perfect time to set up what he wanted. He placed candles around the living room, and he placed the flowers he had bought her on the coffee table. He had sparkling cider ready to sip with her, and he had a guitar ready for the present he had for her. He heard her car in the driveway then.

“Nikki?” (Y/n) asked as she came into the house. “What’s all this?”

“Hey babe.” Nikki said, smiling at her.

“What’s going on?” She asked, watching him.

“Well, the kids are at the Neil’s, and I wanted to do something special.” He led her to the couch. “I messed up so many anniversarie and dates over the years (Y/n).” He sat next to her, guitar in his lap. “I was so fucked up when I met you, and it took you leaving to realize just how bad I was. I don’t ever want to be that man again.”

“Nikki…” (Y/n) whispered softly.

“This song was given to us by Simple Plan. I tweaked it some, and we recorded it, but I want you to hear it before the album comes out.” Nikki explained to her. (Y/n) smiled. She always loved to hear Nikki sing. He would tell her all the time that he wasn’t as good as Vince, so he wasn’t going to sing, but she always loved hearing him sing lullabies to the kids.

I wake up to find myself

After all these years

And though all this time has gone

It still seems so unclear

'Cause there's no one else,

Since I found you

I know its been so hard

You should know

If I die tomorrow

As the minutes fade away

I can't remember

Have I said all I can say?

Your my everything

You make me feel so alive

If I die tomorrow

It brings out the worst in me

When your not around

I miss the sound of your voice

The silence seems so loud

'Cause there's no one else,

Since I found you

I know its been so hard

You should know

If I die tomorrow

As the minutes fade away

I can't remember

Have I said all I can say?

Your my everything

You make me feel so alive

If I die tomorrow

I spent all my life

Looking for our innocence

I've got nothing to lose

One thing to prove

I won't make the same mistakes

And now I know

That everything will be okay

If I die tomorrow

If I die tomorrow

As the minutes fade away

I can't remember

Have I said all I can say?

Your my everything

You make me feel so alive

Your my everything

You make me feel so alive

If I die tomorrow

If I die tomorrow

“Nikki.” (Y/n) wrapped her arms around him and hugged him. “That was...I love it!”

“I love you so much.” Nikki whispered, setting the guitar aside so he could properly hold her better. “I don’t know where I’d be without you, but I don’t want to think about it.” He kissed her gently. “But we have the house to ourselves for the whole night. Why don’t I show you just how much I love you?”

*******************

2006

“Okay sweeties,” (Y/n) said, kissing on Jessica and her little brother Adam. “You’re going to have so much fun and Aunt Nessa and Uncle Vince’s, okay? Dean and Sammy are really excited to see you. I love you both so much.” She hugged them. Nikki came down the stairs and watched them. They had recently purchased a bigger house to accommodate their growing family. They had room for if they ended up having more kids, and Nikki could still have his studio and (Y/n) still had the office.

“MOM! Don’t go!” Adam said sadly as he held on to (Y/n). “I’m going to miss you!”

“It’s just for a couple hours sweetie.” She hugged him. Where Jessica was more of a daddy’s girl, her brother loved spending time with mom.

“But it’s going to be long hours!” he whined. “I want to go with you! And I can get to see Dad play the bass!”

“Sweetie, you watch your dad play all the time. And mommy has a very important meeting and you’d be so bored. It’s more fun at Aunt Nessa’s.” She told him. “And when we get home, we’ll go get something to eat wherever you and Jessica want.” She kissed his forehead.

“Okay,” he said with a defeated sigh.

“Dad!” Jessica ran to Nikki and hugged him. Nikki smiled.

“Okay guys, are we ready to go?” (Y/n) asked, smiling at her husband.

“Let’s go family,”  Nikki smiled as they piled into the car to drive off to Vince’s. “Ok, remember don’t go crazy and mind your manners.”

“Dad, you promise you’ll let me play one of your bass’s tonight?” Jessica looked at him.

“Of course. I got the perfect one for you to try on.” He smiled. Jessica wanted to learn all kinds of instruments. Adam’s current fixation was the drums.

“YES!” she smiled as they pulled up at the house.

“I wish I was with Uncle Tommy,” Adam grumbled. “Uncle Vince doesn’t even have drums!” (Y/n) sighed a little. She looked at the driveway of Vince and Vanessa’s and saw a familiar car.

“Adam, sweetie, you might be in luck.” (Y/n) said. “Uncle Tommy’s car is here too!” She saw Adam’s eyes light up.

“YES!” Adam  rushed out of the car followed by Jessica.

“Someone’s excited.” (Y/n) told Nikki as they made their way inside. Nikki had band rehearsal with his new band, and (Y/n) and him were meeting with a man they had been working on creating a label with in partnership with Motley Records. And Nikki had a publisher he was working with on a new book, after seeing how successful The Dirt had been just a few years prior. He was scared that (Y/n) would be upset with the nature of this new book, but she was fully supportive.

“Ok guys, we got to go, don’t light anything on fire,” Nikki hugged his kids and smiled.

“Call me if they cause you any trouble Nessa!” (Y/n) called out. Tommy and Vince came from Vince’s studio. “And by they, I mean your husband and my brother!”

“Hey!” Vince cried.

“Hey! It’s my favorite niece and nephew!” Tommy laughed as he hugged Jessica and Adam.

“Uncle Tommy! Do you have your drums?” Adam asked excitedly. While Tommy distracted them, (Y/n) and Nikki snuck out and headed towards where (Y/n) was going to be meeting with Allen Kovac.

“Our kids are so cute.” (Y/n) laughed as she held Nikki’s hand.

“They are just like their mother and I love it,” Nikki led her to the car as they drove off towards their meeting.

“Are you excited about everything today?” (Y/n) asked. “I mean, you’re one step closer to publishing your book. I just hope people aren’t going to see me as a huge bitch or something.”

“I think they’ll wonder why you’re still with me,” Nikki ran his hand across his face. “It was a dark time (Y/n), for both of us. But look at us now,” he smiled

“I love you Nikki.” She smiled at him as he parked at the restaurant. They had talked with Allen a few times over the past year or so. He had brought up the idea of creating a new label for alternative acts that are considered too edgy for mainstream labels. And when the idea of bringing Motley Crue on board was brought up, he had insured them that Motley Records would keep the rights to anything they make. Nikki looked at (Y/n) as they heard the sales pitch.

“What do you think?” He looked at her. “My wife stays on as manager though. I don’t want anyone else to produce or manage us beside (Y/n) and Adam.”

“Of course.” Allen told them. “I have been looking at (Y/n)’s history. You’re very impressive.”

“Thanks.” (Y/n) smiled and glanced over at Nikki.

“I have one other group that is ready to sign on. They have been turned down by several labels in Los Angeles. And if Motley Crue decides to use the label as the distributor, we will welcome you with open arms.” He looked at the Sixx’s. “What do you guys say?”

“Well, you got yourself a producer.” (Y/n) smiled. “As for Motley Crue, he’ll have to talk to the other guys.”

“Once I talk to them and we iron everything out we will let (Y/n) know and she will let you guys know.” Nikki gave her hand a squeeze.

“Sounds great! Can’t wait to hear from you!” Allen shook their hands after lunch was finished.

“Oh man this is exciting!” Nikki hugged her as they left the restaurant. “To be with a label again I mean… we get to help others get noticed!”

“Well, there’s something else.” She said softly. “I was going to wait until tonight, but with all the excitement.” She smiled at him. “Three is a good number, right?”

“Well, I guess three is a good number,” Nikki shrugged not understanding her meaning. “Depends on what we’re talking about.”

“What about three kids?” She asked, biting her lip. “Like, what if I told you that I took a pregnancy test last night while you were at your meeting and we’re going to have our third kid?”

“You mean…” Nikki pulled her close and kissed her deeply. “Three is an awesome number!” he led her to the car and smiled. “We can make a small stop at the house right?”

“Yeah. What for?” (Y/n) asked, raising an eyebrow.

“Going to make you scream and I think our house is a nice place to do it in,” Nikki smirked.

“Are we really going to have sex every time I get pregnant?” She laughed. “It’s like you’re trying to line it up to keep me pregnant all the time.” She teased.

“Sweet girl, that is not it at all,” he drove them back home. “I just want to show you how much I love you and in all honesty,” his hands caressed her thigh, “I can’t get enough of you.”

"Mmmm." She moaned softly. "I'm glad."

Nikki rushed through the door and closed it quickly. “Ok, we can start now and work our way to the bed or…” he pulled her to him and pinned her to the door. “We can try and revisit some fun times.”

"Let's do some revisiting." (Y/n) whispered.

“Fuck,” Nikki smiled against her skin as he peeled off her clothes. Her naked body against the door as he kneeled and licked a stripe against her folds. Her leg draped over his shoulder for easier access. “Mmmm, wish I could do it like this everyday,” he muttered before sucking on her clit.

“Maybe once the kids are in school.” She moaned, pressing back against it. “I’m glad you remember this.” She raked her fingers through his hair.

“I loved doing this,” he murmured. “Minus the blow, I loved the way you came undone against the door sweet girl.”

“Nikki.” (Y/n) moaned.

Nikki pressed his fingers inside her curling them as he slurped and sucked on her clit. He felt himself get hard as her moans reached his ears. And when she pulled at his fair, it sealed the deal. He had to be inside her before he exploded in his jeans.

“Nikki, please.” (Y/n) moaned.

Putting her leg down he stood up and removed his own clothes. His lips finding hers in a heated kiss, as he lifted her up and pushed her against the door before sinking her down on him. She wrapped her arms and legs around him as he pulled her flush against him. It was so much better this time, without the drugs getting in the way. (Y/n) wanted to spend as many moments with sober Nikki as she could, feeling the love for each other.

Snaking his hand between them he pressed circles onto her clit as he pumped into her, “you feel so good sweet girl.”

“You feel even better silly boy.” She placed as kiss on the tattoo that said that. He kept it near his heart, mixed with all the other tattoos.

“Love you,” he breathed as he captured her lips with his all the while he felt close to his release.

“Cum for me Nikki,” (Y/n) moaned as she started to clamp down around him.

That was all he needed to spill into her as she came on him. The feel of her driving him wild as he put her down gently on the floor. “That was amazing.”

“We could do that a million times and I’ll never get tired of it.” She kissed him sweetly. “But you gotta get to the meeting with your publisher and rehearsal with the new band.” She pouted a little.

“You could always come with me and we can find other places to have fun in,” Nikki kissed her deeply as his fingers found her hot core once again. “One more for the road sweet girl.” he muttered as he pumped his fingers into her.

“If you can get hard again, I’ll ride you on the couch.” She moaned, stroking him as he fingered her.

“Challenge accepted sweet girl,” he moaned as he led her to the couch. He continued to pump his fingers into her as she stroked him. His hips bucked at the feel of her fingers. “Fuck.”

“Why don’t I help with that?” She pulled back so his fingers weren’t in her, and got on her knees between his legs, slowly licking the tip, tasting herself mixed with him.

“Shit ,” Nikki threw his head back as her tongue swirled around his tip. “Sweet girl you drive me wild.” he moaned as his fingers raked through her hair. She took him into her mouth, bobbing her head and looking up at him with those beautiful eyes. His amazing, sweet girl. Nikki bucked his hips as she took him all in he could feel her tongue swirling around him. “Fuck,” he moaned as he twitched inside her mouth. She hallowed her cheeks for a moment before pulling off of him and climbing into his lap.

“Slow and sweet, or fast?” She asked.

Nikki kissed her deeply, “Ladies choice,” he murmured his tongue exploring her mouth.

“I want to make it last, but you do have a meeting.” She sunk down onto him and kissed him deeply. “We keep this up and we’ll end up with more kids.”

“Nothing wrong with that,” he smiled as he thrust into her. “Besides, I wish I could just leave the kids with Vince or Tommy and just take you all over this house.” he gave a grunt as she sank down on him again. Her hips bouncing on his.

“We haven’t done that yet at this one.” She moaned, holding on to him as she rode him. “Every other house we’ve lived in together we’ve done that in.”

“Well we could always see if Tommy wants to take the kids for a weekend or two to let us bless every room in this house,” Nikki moaned. “You feel so good sweet girl,” he kissed the tattoo on her chest that said her nickname. She looked into his eyes as she continued to ride him, kissing him deeply before starting to speed up. The need to cum was starting to be a little overwhelming.

Nikki placed his thumb on her clit pressing circles along it as he took a nippl into his mouth suclking on it. He moaned as he moved with her hips, she bounded furiously on him and he could feel himself twitch inside her.

“Nikki.” She breathed. “Please. I’m close!”

“Cum for me sweet girl,” he sucked on her neck as he thrust into her his thumb circling her clit furiously. “I’m close (Y/n).”

“Nikki!” She cried out as tightened around him yet again, closing her eyes.

“Fuck yes,” he let out a strangled cry as he filled her up again. She rested her forehead against his.

“If I end up having twins this time, I’m blaming you.” (Y/n) teased.

Nikki laughed, “we have a big enough house,” he kissed her deeply. “I love this. This is good.”

“I love it too.” She kissed him. “You better get going before the publisher gets mad. And before James and Ashba decide that you’re more trouble than your worth.” She winked at him. She slowly got up.

Nikki let out a whine and chuckled. “Ok tonight when the kids are in bed, we can try and keep you from screaming.” Nikki reached over and smacked her ass.

“I dunno Mr. Sixx. I think you’re pretty loud.” She headed towards the shower. “I’m going to go shower and pick up the kids. I’ll miss you.” she blew him a kiss.

“Hey, you’re the loud one,” he called after her. With a groan he got dressed quickly and made his way to his meetings.

*****

A Few Days Later

“Okay boys,” (Y/n) said, sitting at her desk. Jessica was in her room playing with her Barbie’s, and Adam was occupying himself with Dean by harassing Sammy with worms from the garden. “I am working with Allen Kovac to form a new label. We would like to extend the invitation to you to come on board. Motley Records will still exist. You’ll still keep your masters. We’ll be more of just your distributor and touring agent. I already have two bands signed to me; Buckcherry and this new band called Sixx:A.M.” She smirked a little.

“Dude!” Tommy smiled, “Does that mean you can produce us too?” he smiled at her.

“Yes. That means after all these years, and a few stolen song lyrics later, I can produce you.” She laughed. “Unfortunately, I was not able to get any of the solo master from your other labels. So you don’t own them.” She shrugged.

“That’s ok,” Tommy said and hugged her.

“Wait you said Sixx:A.M.?” Mick looked at Nikki.

“Yes I did. They are this really cool new band. They’re bass player is really cool. I dig his green eyes.” She smiled over at Nikki. “They just need a label to release the soundtrack to go along with this new book.”

“Where do we sign,” Vince smiled. “This has been a long time coming.”

“I told Allen I would talk to you guys about it. I’ll get the paperwork drawn up.” (Y/n) said with a smile. “It’ll be nice so I can plan your tour around my due date.”

“Your...wait what?” Tommy asked.

Nikki had slowly made his way to the door unsure about Tommy’s reaction. “I already signed and I have a thing,” he pointed to the door and turned to open it.

“Did your grandpa seriously not tell you what condoms are?” Tommy asked. “How many kids are you going to have?!”

“We talked about five.” (Y/n) laughed. “So we still have a few to go.”

“What can I say I love your sister man,” Nikki smiled. “Besides, you get to be number one uncle!” Nikki smiled.

“Hey!” Vince and Mick called out, making (Y/n) laugh.

“Okay boys, I need to get the paperwork drawn up.” She looked out the window. “And Dean and Adam just poured sand on Sammy’s head.”

“DEAN NEIL YOU ARE IN TROUBLE!, Nine years old and acting like a five year old,” Vanessa growled. “You are not going to have your part of the birthday party if you keep terrorizing your sister!”

“She started it!” Dean told his mom.

“Did not!” Sammy pouted. She was tired of her brother thinking he could be mean to her just because he was a little bit older than her.

“Vince, you might want to go help your wife.” (Y/n) laughed. “Nikki’s going to get Adam as we speak.”

“I swear that kid man,” Vince sighed as he shook his head. “Dean what have I told you about being nice to your sister?”

“Make sure I’m nice when mom’s looking?” Dean asked with a shrug.

“That is not what I told you Dean,” Vince looked at Vanessa, “I swear I did not tell him that.”

“Dean Neil,” Vanessa glared at her son and got very close to his face. “You either start treating your sister nicely or I’m going to make sure she gets her revenge on you.” she looked back to Samantha. “She’s been taking very special classes.”

“Classes? What classes?” Dean asked. Vince looked from his wife to his son and shrugged. Nikki grabbed Adam’s hand and pulled him inside the house.

“Sam,” Vanessa smiled sweetly at her daughter. “Show him.”  Vanessa had enrolled Samantha in martial arts classes ranging from karate to Jiu-Jitsu. She had climbed her way up the ranks slowly getting her colored belts. Vanessa watched as Samantha smiled at Dean before taking him down and putting him in an armbar.

“Ah!!!” Dean screamed. “Dad! Help!”

“Where the hell did she learn that?” Vince asked, impressed.

“I’ve been taking her to self defense classes,” Vanessa smiled. “Told her if he kept on being mean she could show him what she learned.”

“I’m sorry!” Dean called out. “Let me go!” Samantha looked at Vanessa, who nodded. She let go of her brother and walked over to stand by their mom.

“Next time,” Vanessa looked to Dean, “I’m going to let her break your arm off. So you are supposed to be protecting your sister. Well I have good news. She doesn’t need it. Come on Sammy,” Vanessa placed her arm around her daughter before stopping to turn to Vince. “By the way,” she looked at her boys. “I enrolled in those classes too.”

“That’s my girl.” Vince said, smirking.

Meanwhile, Nikki was staring at his son.

“Are you going to tell mom what I did?” Adam asked, kicking his legs from the seat where he was sitting.

“I don’t know,” he knelt down and looked at his son in the eye. “Did you think it was nice to pour sand on someone?”

“No. But Dean told me to do it.” Adam said. “He’s cool and I want to be cool like him.”

“Son,” Nikki put a gentle hand on his son. “Did you see what Samantha did to Dean because he thought he was being cool?”

“Yeah.” Adam nodded. (Y/n) stood at the top of the stairs, listening.

“That’s what happens when you think something is cool,” he breathed. “Sometimes, life will tell us something is cool. But, if it hurts the people we love then really it’s lame.” (Y/n) smiled and made her way into the living room as Nikki finished up with Adam and sent him to his room.

“That’s great advice babe.” (Y/n) said, wrapping her arms around his neck. “Is that what you told yourself back in ‘87?”

“Yeah, been telling myself that ever since,” he grabbed an apple and took a bite.

“I’m really surprised a fan hasn’t asked why you eat so many apples.” (Y/n) smiled. “But at least they’re healthy.”

“Hey I did trade heroine for apple,” Nikki gave her a smile before he took another bite.

“And I’m glad you did.” She laughed. She kissed him and whispered in his ear. “Why do you think I’ve been wearing that green apple perfume.” She smirked and walked away.

Forever Tags: @anathewierdo​ @dekahg​ @marvel-af-imagines​ @feelmyroarrrr​ @nanie5​ @imboredsueme​ @gemini0410​ @aiaranradnay​ @babypink224221​ @mogaruke​ @xxwarhawk​ @sandlee44​ @shatteredabby​ @caswinchester2000​ @supernaturalwincestsblog​ @lauravic​ @mrsambroserollinsacklesmgk​ @teller258316​ @horrorpxnk​ @tommyleeownsme​ @marvelismylifffe​

Motley Crue Tags: @primal-screamer​​ @waywardprincess666​​ @twistnet​​ @saint-of-los-angeles​​ @vader-kai​​ @motleyfuckingcruee​​ @sharon6713​​ @kawennote09​​ @2dead2function​​ @nikkisixxwiththebass​​ @iamtiber-andtiberismusic​​ @jayprettymuchomw​​ @charlyallise​​ @you-know-im-a-dreamer​​ @sweet-dreams-on-butterfly-wings​​ @estxxmotley​​ @arianareirg​​ @the-normal-potato​​ @nikki-sixxtynine​​ @jjjjjjjoshdun​​ @just-a-normal-fangirl18​​ @stella20131991​​ @tarahell​​ @wowilovenikkisixx​​ @i-want-to-shoot-myself​​ @motleycrueee​​ @sams-serialkiller-fetish​​ @getbackhonkycatt​​ @are-you-reddie54321​​ @flamencodiva​​ @scarecrowmax​​ @major-tom-is-a-junky​​ @anyasthoughts​​ @bandaids-not-groupies​​ @ilovetomkeiferslips​​ @kaitieskidmore1​​

Nikki Sixx Tags: @daisystuffsstuff​​ @unknownoblivion​​ @deakysblueoutfit​​ @fandomshit6000​​ @sixx-mckagan​��

Too Young to Fall in Love Tags: @kingbouji3​ @leximus98​ @thekidbakerinthetardis​ @crystalbaby12​ @shawnsstxtches​ @knockemdeadgirl​ @deansgirl1993 @haileynicoleseavey17​

[danaan13]

Today is my birthday. It's also been one week since a very hard decision had to be made, that changed my life very suddenly, and very painfully. The following is going under a cut. It’s also really long. My apologies to any mobile users that might get the full post anyway. Scroll really fast. I'm going to be talking about the loss of my dog. Some of it is traumatic. So warnings for injury, death, cars, insurance shit, and lots of feelings.

This post is 85% for me and 15% for anyone who's had questions since my vague posts a week ago. I have no blame or ill feelings for anyone that needs to keep scrolling. This post is going to be a lot. And I understand if one doesn't have the energy or the headspace for it. But a lot of of this is writing for my personal mourning.

One other thing: I go over events with the vet we saw. I'm not looking for different diagnoses, or different opinons, or debate, about what the vet said, or the decision we made. As I said, this post is for me to mourn. For me to record what happened. Maybe someone else would've done something differently. I don't know. We made the decision we thought was best.

And with that:

One week ago, my spouse took our dog for a walk in the evening. This was our normal routine. Newton, our dog, loved it. She was an australian shepherd mix, and naturally had all kinds of energy to work out. Even at eleven years old. It's 6 in the evening. It's pitch black out. My spouse has a bright orange, relfective rain jacket on. Newton is wearing a bright orange doggie vest, a collar that had a glowy blue led strip all the way around, and a leash with a reflective string. By our thoughts, safety was accounted for.

Their normal route took them past the shopping center that's a block and a half from our home. My spouse sees a truck sitting at a restaurant parking lot exit, as if waiting on traffic, before attempting to turn. Spouse believes they're going to continue to wait, and starts to cross the front of the exit, along the part marked as a sidewalk. Spouse is directly in front of truck, when it starts up and hits them. And pins Newton under the wheel.

The driver rolled down the passenger window to yell at my spouse. My spouse was yelling at him to move off our dog. A witness, who heard our dog screaming, from inside the restaurant, comes out and bangs on the man's driver window till he rolls it down. He finally backs off of Newton. They move her aside. My spouse was in that kind of shock where emotions shut off. They start giving orders. You call 911. You get that man's insurace. Someone get pictures. Etc.

And then the man suddenly drives away. Doesn't say a word. Doesn't leave insurance. Doesn't stay for the police. He ran.

By this point, one of the witnesses already has clear pictures of his vehicle and license plate. He's reported to the police, and they put out a call to find him.

Spouse calls me shortly after this. Call our vet. We got hit. We need to get Newton to a vet. So I call our vet. It's 6:30. They're closed for the night. But they were there for accounting stuff. They give me the number for the emergency vet. I call ahead. Tell them we'll be coming, but that I don't know what the injuries are. Just that a car was involved.

I go hop in our car. Drive a block and a half to the scene. There's two fire trucks. There's police cars. Traffic's doing that bottlenecking thing. I park and run over. Instantly get hugged by the witness who'd gotten involved. My spouse is sitting on the sidewalk. One piece. Looks okay. My dog's wrapped in sheets. She's awake. Looking around. What I could understand of her body language was a mixture of pain, but excitement because there's people paying attention to her. And oh how Newton adored every ounce of attention she could beg for.

The witness, we'll call her S now. S volunteers to come with my spouse and I to the emergency animal clinic. She sits in the back of my car while the firemen load poor newton in. Spouse comes with me, even though the firemen wanted them to go to the ER. We agree to go to the ER once we got Newton settled. S's family, two men who I presume to be husband and father, possibly, follow in their car behind us.

We get there. The vet techs wisk Newton off to the back. They need to do xrays. They need someone to stay and talk out costs. S volunteers to take Spouse to the ER. Spouse agrees to go. So I stay at the vet by myself. They settle me in a room, where I text friends updates about all this. I'm scared. And all I wanted was to hug my dog.

The vet shows up after a bit. She's very calm, very kind, and amazingly empathetic. She explains that Newton wasn't succumbing to the medicine as quickly as they'd like. She's too excited. Too many new people to meet. Gets excited every time someone comes into the room. Classic Newton. So, they only got the xrays from the one side at that time.

Her spine is fine. But a hip is shattered. There's shards. One hip is also dislocated. My heart's in my stomach. Vet explains that if it's just the one leg shattered, they can amputate. But if it's both, then it's not good. She explains that the dislocation would have to be fixed via surgery. It can't just be popped back in. She explains that our town doesn't have an orthopedic surgeon for dogs. We'd have to go to one of two major cities, two hours away. The vet then explains that she'll get better xrays, once the meds kick in and they can roll Newton over without causing her more pain. So, she draws up the treatment plan for the next twenty four hours. I leave the deposit for the cost of the care. She says she'll call me when she's got more data. And when she's talked to surgeons offices.

And then I go to the ER, trying to not cry because my dog will probably never run or jump, ever again. She's an aussie. They run. They jump. They're energetic. Newton would bounce all over the place in front of our patio door, to greet our neighbors as they walked past. She was constantly knocking down blinds from our hanging blinds there. She loved to play fetch. We've got a long hallway we'd throw tennis balls down, and she'd go chase them and run back. She'd never do any of that again.

I get to the ER. I tell my spouse. They're heartbroken. I call our auto insurance, at the nurse's request, to start that process, while we wait for the doctor to come back from the xrays. When the doctor comes, he says Spouse is fine. No breaks, fractures, or internal injuries. Might have bruising show up in a day or two. So, we're given pain medication to handle that. To note, no bruises have yet appeared, a week later. Spouse physically feels fine. Emotionally is another matter.

So, we go home. We cry. We try to settle down. It's been two and a half hours since my spouse left the house to go on that walk. I make my posts here. We make posts on Facebook. We get an outpouring of concern, love, and prayers, from friends and family alike.

By midnight, I get a call from the vet. They have the rest of the xrays. Both hips are injured. One shattered, one fractured. And then there's the dislocation. There does not appear to be any internal injury though. She'd gotten ahold of both surgical centers in the two nearby cities. Both hospitals can do surgery. But they both would require about ten thousand dollars to do it. And, they both note that Newton is eleven. She's classified as a senior dog, despite her energy and good health. She'd never be the same. Therapy after surgery might not be enough. The neat wheels some dogs get, might not be enough. There's no guarantee that her quality of life would be enough, that she wouldn't suffer.

So, I talk to my spouse. And we're breaking. She's been our family for eleven years. We call back. Make the decision, get ready, and go to the clinic. We get to hug her and pet her. We get to give her a few last good treats. We cry. And we get to hold her as she goes to sleep for the last time.

And then we go home again. We still don't know if they've arrested the driver. There isn't a report on the police website yet. We manage, somehow, to sleep. Not very well on my part. By the next morning, there's a police report. The man was arrested and charged with a hit and run.

I try to call our auto insurance back. The adjuster we were assigned to the nigh before, is out of the office for the weekend. So, I wait and then call back on Monday. We start that whole process. She starts contacting the driver's insurance. We talk to the police department and get told we can get ahold of the city prosecutor in a week. We start the process to get a lawyer.

We celebrate Christmas with our son. He doesn't live at home now. Got his own place. And a dog of his own there. He brings her over when he comes. And for a few hours, we're able to cuddle and play with a sweet dog again. It's not the same. It hurts a little. But it heals a little too.

Today is my birthday. And today I get to go pay the company that handled Newton's cremation. And pick up the clay pawprint that they made for me. Happy birthday to me. I know my Newton is no longer in pain. And that she was her beautiful smiley self, right to the last moment. I will miss her forever. But I know that we'll be okay. Eventually.

If you've read this far, and you feel the need to do something, or say something, then feel free to tag me in posts of cute dogs or cats, or other animals. Or, if you're wanting to do a more monetary action, maybe donate to organizations like the Old Friends Senior Dog Sanctuary. That's what I'm doing for my Facebook Birthday Fundraiser. You don't have to give through mine specifically. You don't even have to give to them in particular. Heck, you don't even have to tell me about it. I just appreciate that there are groups like theirs, that can provide good quality of life, to senior dogs, who have that chance.

And for anyone wondering if we're going to get another dog, we are. We put in an application at our local humane society. It might feel fast. But it's so quiet in here now. We need someone to carry Newton's torch onwards. We've looked at a few dogs already. We've not found our one, yet. But we're looking.

Thank you for reading all this. I'm sorry if this post was difficult for you in anyway. I've got a lot of mourning left to do. So for now:

Goodbye my sweet, silly girl.

Newton 2008-2019

[pbandjesse]

Today didn't go exactly as planned but it was a really good day. This was a nice little vacation. I didn't spend to much money and i feel really happy. Im sitting in my hotel relaxing and enjoying my night. Im really looking forward to going home though. I miss my cat and my apartment and my boyfriend.

I slept really well last night. I woke up with the sun and I was so cozy with my feather pillows abd blankets. I stayed in bed until 830. Playing on my phone. Being comfy. It was really nice.

I got up and got washed. My makeup looked great. I felt really cute. It was a bit colder today but it was still beautiful. I had breakfast in the hotel's restaurant. I listened to my podcast and just wanted a chill morning.

I got my backpack and headed out into the world. I tried to walk out of the parking lot from the back side and i got turned around and while the veiws were beautiful I was annoyed with myself for going the wrong way.

I walked up to a local park that has a small museum on the property. But it was closed. Thats okay. I kept walking. Then I decided I would go to the Garden of the World. A private park that is set up to emulate different cultural landscapes. Cool.

I walked up to a 711 to make it easier for a lyft to find me. And I got there in less then 15 minutes. California is funny. It would have taken me 2 hours to walk to this place but it was a less then 15 minute drive. Everywhere has been like that. Its bizzare.

But we get out there and its closed. Until 1. Okay im bummed but its fine. Not a huge deal. I walked around that area and found a neat little store and got myself a hair clip that I have had on my wish list for a while. And I got Jess a present. I still had like a half hour until I needed to be at the meeting thing. So I walked.

I ended up finding a really awesome Portuguese cafe and I got their signature pastry which was essentially a warm baked pudding. Almost like a creme brullee. It was great. When I was done I called a car and headed to the meeting.

The gps got confused and me and my driver had some trouble finding the building. But we did it and I was on time. The lady at the front desk wasnt very nice to me. I told her what I was there for. Who I was supposed to meet. And she just said. I dont know what that is is who that is. And i tried to show her my itinerary and she snapped at me. And I was about to get upset but someone leaned over the wall and figured out what was going on and solved the problem. Thank you nice lady.

The meeting was funny. When they asked me to do it they said it would be about 10 to 15 people. And that was fine. But when I got there today it was only one person. Well the one person and the person running the meeting. I don't know what happened but it was funny to me. Like I still had a good time and it was nice to talk to them both butt they spent $300 a night for this hotel for me. And they flew me across the country. And it was only one person. We could have done this over Skype guys. Like I'm not going to turn down what has been a really nice couple days but it was just pretty funny.

I told you my story. I told him about my art and my history. Medication and trials and errors. Insurance issues and finding a doctor. All the scary parts that go around being a patient. Even though it was only the one person I was talking to I really hope that my story can be impactful enough that she will really understand when she's out trying to get doctors to carry this medication and to prescribe it to people that it's a big deal. And financially it's a lot. That just because it works doesn't mean that everyone can take it. It's not just about filling a prescription with this kind of thing. There's a lot that goes into it.

But it was a really nice hour. I was there until about 1 and then I went to call the car and head to my next thing. It was funny while I was sitting outside waiting for the car a guy walked past me and told me it was too cold for me to be sitting out there. And I'm not going to deny it wasn't chilly. But it was still about 55°. It was funny people were walking around and basically winter coats. And I had a sweater and a jacket on. I didn't even have double tights on! It was beautiful. Californians art week.

I took the lift up to the Thousand Oaks Mall. According to the internet there is a branch of the California Art Museum there. Cool. I decided to just wander the mall for a while first. It's a nice small. Have an indoor and outdoor apart. Lots of pretty fountains. I walked around the Disney Store and I'll look for new shoes. Because the shoes I wore are killing my feet. They will not be travel shoes ever again. I didn't have any luck with shoes but I was enjoying just walking around. And then finally I found the branch of the museum. Was to galleries. Except they were closed for a private event. Awesome. I was pretty dejected. This was now the third thing I had been to today that was closed. I went and sat down and called James. I just needed to talk out my feelings because I was feeling stupid.

He made me feel better though. I think I was starting to feel like other people were going to think I wasted my trip. Like I didn't go to the beach and I didn't see a ton of things. But I don't actually feel bad. I had a great time. I walked around. I cried at mountains. I bought little Trinkets and got to see a bunch of antique stores. I decided while we we're talkin that I would go back to the gardens of the world. It said it would be open to the public again at 1. And it was about 2:30. So that's what I did.

First though I decided to buy myself a present. I know it's just a couple days after my birthday and I said I would stop by myself things but I was a little upset and I bought myself a stuffed lion from the Japanese store. And I love him so much. He's so soft and he's slightly under-filled. He's just perfect. So I don't feel bad about my purchase at all. He's great. His name is Daniel.

Once I bought my lion I wandered out of the mall in search of the Goodwill that I read was on the other side of the mom. I did find it. It was a pretty good Goodwill but I didn't find anything I wanted. I was mostly looking at shoes anyway. There was a very cute bear shaped rocking horse and a small Hello Kitty car for toddlers. But I wanted to get to the gardens. And they were only open till 5. I didn't know how big they were and I didn't want to feel rushed so I called a car.

This is the first time ever I had that was chatty. He was really nice and asked me all about my life story. And we talked all the way until we got to the gardens and then dropped me off. It was nice.

The gardens were beautiful. Free to the public. Privately owned by an elderly couple. They had apparently owned a travel agency and when they sold it they decided to take their millions of dollars and open this 44-acre public garden. It was amazing. Completely privately funded.

I wasn't sure if I was allowed to take pictures. There are a couple signs that said stuff about like photographers and that you need a permit but I wasn't sure if they were talking about like pictures of people like wedding photos and then I saw one sign that said something about cell phones but I was confused so I only took a couple pictures on the down low. Just in case. It was mostly empty. A couple small groups besides me. I walked the whole ground and it was beautiful. There was a section that look like an English garden and one that looks like an Italian Villa with Italian cypresses in a fountain. Lots of fountains. Each little cultural section had a water feature. The Japanese pagoda was really pretty and it was just so nice. I walked it twice. The first time around just kind of sneaking pictures of my Furby and enjoying the quiet. It was a little cooler and clouds were rolling in but it was still very nice. I got to see a lemon growing on a tree for the first time in my entire life. That was really cool. And then I found a volunteer. He was a really nice guy. I asked him to tell me all about the gardens and he did and then I told him where I was from and got to tell him about ships and he turned out to be a volunteer at the Reagan Library. So that was cool meeting another Museum professional. And so I walked it one more time and really enjoyed myself. And then I headed out. I wanted to see what else I could do with my day.

When I had left from the gardens the first time I had made a left. So this time I made a right I walked and walked and then I was just too tired to walk anymore. And I really lucked out because as soon as I call the car it started to drizzle. And then it started to rain. Thankfully I was right next to a Starbucks and they had an umbrella outside so I didn't get all wet. And my driver was very fast. But I got in the car and it started pouring.

I have the car take me up to the Target. And the rain had started to Peter out by then. But it went into Target and I found some sneakers. They have memory foam insoles. And they're very comfy. I also got a juice that is fine but kind of grassy tasting. And then we just walked around the shopping center. I went and all the little stores. Enjoyed the scenery. I was kind of on the top of a hill and I could see the mountains on all the sides and it was just so pretty. I don't know what it is about the mountains here but they make me want to cry when I stare at them for too long. I just find them so beautiful. It's different than the ocean which causes a different reaction in me. If I had another day I would probably try to get out to one of the mountains again like I did last time I was here. But It's okay that I didn't do that this time. I'm a little too sore from all the other walking I did to get lost in the mountains where I can't call a car when I run out of steam.

I just had to get something to eat and was a little frustrated because I couldn't find just like a grilled cheese sandwich anywhere. But I ended up at a brewery in the shopping center that was really cool on the inside. I liked the big silver Brewing machine things. And the food was good. My waitress was really nice. And I just listen to my podcast and enjoyed myself.

It was really running out of steam though. I thought the food would help but it didn't pick me up as much as I was hoping. I was a little disappointed in myself because I had tried to find the postcards or something to give as gifts to people. And I just completely failed. I couldn't find anywhere that sold anything like that. Thousand Oaks isn't really a tourist destinations they only have anyting. And so I kind of wandered around the shops longer to try to see if I can find anything similar to that. But I didn't have any luck. I'm hoping maybe tomorrow at the airport I can find a couple things but I'm not holding out hope. Because I have assumed it's going to be incredibly expensive if I can find anything at all. We'll see. I was trying not to be too hard on myself though. No one's going to be mad at me. Even though I'm afraid that they will be.

But like I said I was getting really tired. I went back to the Target one more time just to see if I can maybe find any California type stuff there but like I said Thousand Oaks isn't really a tourist place so no luck. I tried on a sweater and then I just decided it was time to go back to the hotel. I caught a car and then I got back and I was very happy to be here.

I ran a bath and I'm packed my bag. Started packing my actual suitcase bag. I might have to use both backpacks. I haven't exactly figured out that part yet. But I'm not that concerned. My bath was really nice. I got a bloody nose while I was in there but it wasn't too bad. Mostly just surprised me. Put away things and put my outfit out for tomorrow. I packed what I could. Put all my receipts in one bag. And now I'm just kind of sitting here and watching videos. I'm going to go to sleep soon though. I'm really tired and I got to wake up early to get the ride to the airport. They're coming to pick me up at I think 8:15. My flight is in two parts. I think I'm flying to Chicago and then from Chicago to Baltimore. I'm not positive it's Chicago though. Wherever it is I have an hour and a half there so I get to at least get a snack if not dinner. It's going to be a long day though. I don't get back to Baltimore until about 10 p.m. and then I work Friday morning at 9 at ships. So that's like a whole thing. Pussy town Much sleep I can get on the airplane but I'm not holding out hope. I hope you guys all have a great night. Wish me luck tomorrow. It's going to be a long travel day. I'm really excited to be in the same city as my boyfriend and my cat. Though I am a little sad I missed the snow storm today I'm glad that it's not going to affect my flight tomorrow. I hope it's just a really nice day. Sleep well everyone.

[thecoroutfitters]

Written by Guest Contributor on The Prepper Journal.

Editors Note: A guest contribution from David Hoes to The Prepper Journal. I love this. Goes well as a supplement to the recent post on Prime Locations for Post Disaster Salvage. As always, if you have information for Preppers that you would like to share then enter the Prepper Writing Contest with a chance to win one of three Amazon Gift Cards  with the top prize being a $300 card to purchase your own prepping supplies, enter today.

Okay, I admit it. I am a scrounger. I don’t do it out of necessity; I do it because I enjoy getting a bargain and building my prepping stockpiles. Now, I need to clarify that I do not steal things. I do not take towels from hotels or silverware from restaurants. I do not find and keep items such as wallets, credit cards, or electronic devices that can be traced to an owner. I do not keep anything that someone is likely to try to reclaim. Such items I will turn in somewhere. If I see someone drop something, I will tell them.

I’m also not going to discuss using coupons or discounts. These are both good ideas, but have already been covered.

That said, I do take items that are unlikely to ever get back to their original owner, and things that I am allowed to take or that are come with something I have purchased. If in doubt – I ask. Here are some ideas:

Personal protective equipment: Most hospitals and some doctor’s offices now offer free respirators to visitors. I’ve picked-up several of these. Protective gloves are often available in the ER or in patient rooms, and some give-out small bottles of hand sanitizer. I have a little psoriasis on my hands, and they are happy to give them out. In the quantities a hospital purchases them, they are almost free.

Wipes and anti-bacterial solution: Doctor’s offices and medical facilities often have solutions or wipes available for free. They bill your insurance $150 for a few minutes with a doctor. They don’t sweat the little stuff. Heck, ask your doctor for appropriate medical samples while you are at it. You never know what you may get.

Gauze, wipes, Band-Aids, and surgical tape: I have asked if I could take a few gauze pads, alcohol wipes, and mostly used rolls of tape when I have gone to labs and imaging facilities. They are normally okay with it.

Salt, pepper, sugar, condiment packets, and straws: These all have survival and medical uses. Grab a few each time you go to a fast-food place. During the depression in the 1930’s, those down on their luck would go to a diner and order a cup of hot water for a few cents. They would then add ketchup and other condiments to make a sort-of tomato soup. There is actually enough vitamin C in a few packs of ketchup to prevent scurvy. Is this stealing? If taken in reasonable quantities, I do not believe so. If I order a cup of coffee, part of the price I pay goes to cream and sugar. My ex used to take her coffee with 4 creams and 4 sugars. I do not use either, so I do not think taking one or two of each is stealing. Now, taking a handful? Yes. That is stealing. Asking for salt and condiments at a drive through? Nope. What they put in the bag is yours.

Soaps and shampoos: Yes, in a motel I take what they put in my room. I do not consider it stealing; I believe that I have paid for it and can take it. When I or a loved one is in the hospital, I take whatever they give as well. Hospital staff has told me on numerous occasions that insurance paid for it and if I don’t take it they will throw it out. Also, many hotels provide courtesy tooth brushes, tooth paste, and combs upon request. If they give it to you, it isn’t stealing, even if you don’t really need it. But no, I don’t take towels or rolls of toilet paper.

Candles at church: Many churches toss-out candles after one or two uses, and may give-away the used ones for free if you ask. Although some now use propane or natural gas simulated candles, those that still use candles tend to use ones of very high quality. Small stubs can be melted down and used to create larger candles. My church had a Christmas Eve service where everyone was given a candle to hold. They were lit for about 10 minutes and not reused. Hundreds of good candles were thrown out.

Community events: Where I live, they have several free community disaster planning, home and garden, and wellness events each year. They give-out items such as samples of seeds, dental floss and toothbrushes, band aids, energy bars, bottled water, samples of vitamins, water bottles, and other swag. At one event, the first 50 people through the door got a bag with some very nice stuff.

Food banks: I have been fortunate enough to have survived without going to one. However, if you are looking to build a small emergency stockpile, why not go and pick-up a few cans of food? They will probably mostly have items near or past the expiration date, but canned food is generally safe to eat long after the expiration date. I have eaten MRE’s and canned foods that were 10 years past their expiration dates and suffered no ill effects. The exceptions are if the can is damaged, in poor condition, or if the can contains acidic products such as tomatoes. Is it wrong to take food from a food bank if you are not immediately facing hunger? I think the answer is, it depends. If you are sufficiently wealthy to purchase your food and have plenty of money to stock-up on prepping supplies, I would say that it is wrong. However, if you can buy all you now need but are unable to afford to purchase a enough for a 72 hour emergency supply of food to see you through a disaster, I would say not. I donate money to food banks, and I give so that people do not go hungry. As a donor, I am not bothered by those who use the food bank to prepare for future hard times.

Wooden Pallets: I live near a business that sells pools and hot tubs, and another that sells paving stones. They dispose of dozens of wooden pallets each week. I have used them to create raised garden beds, for firewood, and for woodworking projects including building a bed frame for a futon.

Road Debris: When I drive, I keep an eye on the shoulder and medians. I frequently find bandannas, bungee cords, tools and knives, Bic Lighters (still good), coolers, storage totes, thermoses, 5-gallon plastic buckets, gas cans, and a variety of other items. Bandanas are my favorite find; I have found 30 or more. Bikers lose bandannas like crazy. Wash and reuse them. They have lots of survival uses. One of my favorite finds took place a few weeks ago. I found a Camillus Titanium folding knife lying in the road. It was a bit scuffed-up and not very sharp, but I cleaned it up, sharpened it, and it has become my EDC knife.

Post-disaster giveaways: Here in Florida, following Hurricane Irma, the County and many different organizations gave-out a lot of food and water to anyone who came by. No questions were asked. A friend of mine got dozens of bags of cookies, boxes of Pringles chips, ten cases of Civilian MRE’s and ten cases of bottled water. It is unfortunate, but the ones who give and the ones who distribute often have very different goals. Churches, civic groups and charities may raise money for 1,000 meals. They want to see 1,000 different people get food. Those who distribute the aid may not care. If one person arrives with a truck that can carry 1,000 meals, they may let them have it all. They don’t want to carry it back at the end of the day. They will report back that the food was distributed and everyone will be happy. Don’t be a pig, but if you can put it to good use, do so.

Free bicycles: I am only speaking about Florida, but I think this is true for other areas. Law Enforcement departments recover a huge number of bicycles that have been abandoned, discarded or stolen and that are not claimed by owners. In some places jail inmates repair them as part of a work program. It is not widely advertised, but there may be periodic giveaways where serviceable bikes are distributed on first come basis. I once had two bikes stolen in a particular county. One of the two was recovered, but I had already replaced it, so I donated it to this program.

Why am I mentioning bicycles? Well, because I believe that in a TEOTWAWKI situation, they may become the most important method of transportation.

Complaining about lousy stuff: I wrote a negative review about a pair of gloves I bought on Amazon. I included a photo clearly showing the defect. They sent me a new pair without making me return the old pair. The old pair went into my preps box.

I have complained about the quality of canned or packaged foods. They sent me coupons for free products. I DO NOT invent complaints to get free stuff. In some cases, the original product was so nasty I did not want coupons for two free ones. That was the case where I bought a can of collard greens that contained a large cockroach. Still, if you pay for a product and you really get something nasty, complain. Then add it to your preps. If SHTF and you have nothing else, you may be willing to risk eating a cucaracha. Even sending a suggestion may earn you a coupon for a free product. I told a company that sells crackers and tuna snacks that the crackers crumbled too easily. They send me a coupon for a free package. I did not lie and I did not steal.

Garbage day: I’m not going to go into the finer points of dumpster diving, but the finds possible on garbage day are incredible. I have changed residences 18 times since leaving High School. Many were interstate moves. When your car and U-Haul are packed to the max and there is still more stuff, you put it on the curb. I once had a Saturn so overloaded it could barely make 50 mph on an Interstate. I left a lot of valuable stuff behind that could have really helped some prepper. If you see a big pile of stuff waiting for the garbage truck, most of it probably still works.

I realize that my suggestions may be distasteful to some. It is much more fun to purchase prepper items from Amazon or WalMart. In America, second-hand, discarded and used are bad words. Nevertheless, if SHTF, scrounging skills will become more valuable than shopping on-line with a credit card skills. And if you have some more ideas, I would appreciate hearing them.

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[ruffsficstuffplace]

And The AWRD Goes To... (Part 31)

“My life wasn’t exactly perfect back before I fell into a depression, but you know, it was… better...” Weiss started.

“I had friends, aside from Akko. I was doing well at school. Life at home was just us dealing with our respective issues and problems, nothing we hadn’t dealt with before and knew how to handle by heart, or just the usual stuff that others our age experienced.

“You know, crushes, worrying over tests, anxiously waiting for the next episode of this season’s Starlight Crusaders to release so we could all find out what happens next. I had a girlfriend, even! Aquamarine, as Akko might have told you.

“But then… things got really bad when I got caught up in the lower city gangs.

“You know what they say, about even the smartest teenagers still being teenagers? That they’ll still get into dumb shit, make dumb decisions, even though, intellectually, they know just how dumb they’re being and how dumb it is? Well, that was me, and when I got roped into Aqua’s… business with the Steel Piranhas.

“I’m sure she’s legit now, working at the Arm And A Leg, but back before we got roped up with the Timber Wolves, she was about as shady, morally questionable, to outright criminal as you can get here in Mistral.

“If she wasn’t the one boosting the cars, motorcycles, and whatever machines she could get her hands on, she was using that charm and voice of hers to bargain with people, or distract them long enough for the rest of her friends to get to work.

“Once, I remember personally seeing her flirt with this guy who had parked his motorcycle in the middle of the street, and they just completely stole the bike from him, bit by bit, just disassembling it from right behind him with the help of a sound-canceling semblance.

“Poor bastard only realized when he leaned back, found it wasn’t even there anymore, just empty air. Even believed Aqua when she said that she was too busy being taken by his handsomeness to notice.

“She was good. Really good. She had this way of convincing you, almost like it was a semblance all on its own. And I’ll be honest, I was always way too eager to be convinced by her. But the problem was, she was cocky, too, always so sure that her charisma would never fail her, that her friends would always be by her side, that everything would turn out well for her in the end.

“Then, Aqua and the SP targeted Woody’s pick-up truck.

“He loves that car, couldn’t stop showing it off and driving it everywhere he could since his mother got it for his 16th birthday, on the condition he’d start acquainting himself with the family business—drive some supervisors around and listen to them talk, make a few minor deliveries, even take trips out to the logging camps on weekends.

“I figure they wanted him to finally put the Timber Wolves behind him, but, Woody always was pretty efficient with his time, and he spent a lot of his free hours showing off how great his car was to everyone he knew—it had some of the very best parts for any consumer vehicle on the market then, the truly heavy-duty, top-of-the-line stuff that someone would kill to have, if for less than what the manufacturers were asking for it.

“That alone was enough to get the SP’s interest, but they wisely stayed away, until Aqua ran into some money troubles.

“She always sang at the Tsukimi Festival—it’s where we met, actually. Anyway, regardless of whether or not she actually won anything, the free advertising for her family’s restaurant, and her own personal charm would have people buying all night just to get an excuse to talk with her, or buy a picture and/or an autograph—it was REALLY effective.

“That year, however, she got really sick, missed the festival, and her family lost a lot of business, too—the competitors caught on, and without the Little Sirena of Bakunawa, it was a free-for-all. Their insurance wasn’t that great, either, so now they had hospital bills looming, rent, debts—basically all the kinds of money problems and personal guilt that’d make someone desperate.

“Desperate enough to do something really stupid, like try and rip out the engine of Woody’s car.

“I don’t even remember the details of the plan anymore, don’t want to cause it’s already starting to make my head hurt just thinking about it, it was so crazy, but the Steel Piranhas made off with Woody’s entire truck engine, completely intact, sold it off for a fortune before the police even finished the report.

“To the authorities, the engine was good as gone. But not to those in the know in the black market—you can’t just put one of those up for sale without generating a lot of buzz. And it only took a little hanging out at the restaurant to learn that the Urbinas had suddenly stopped sweating about their financial situation.

“I don’t know how Woody found out, exactly, but when he did, he showed off that legendary subtlety of his and had his goons stalking her everywhere, let her know, over and over again, that he knew.

“Aqua had nowhere to go, no one else to turn to but me.

“The police had officially considered the case closed, but the Bunyan lawyers could just as easily reopen it, and the people that made their engines weren’t too happy that their new exclusive design got reverse-engineered and cannibalized so soon.

“Even the SP made her promise that their cut of the profits from selling Woody’s engine was as far as they were going to be involved with the business, in exchange for letting Aqua have the lion’s share, among other conditions.

“Her family had no idea Aqua was even involved in the gangs, she was that good at playing innocent! They only ever noticed that she always seemed to ask about the weather more often, always looking out for the next big rain storm that was going to hit Mistral.

“And when it did, Woody made good on his threat.

“I’d hoped to scare them off, take Myrtenaster with me, load it up with dust, and at the worst, freeze the street and make a getaway.

“But of course… it didn’t happen like that.”

Weiss looked down and started shaking, her voice cracking as she started tearing up. “They always warned us, you know, about how serious the charges were if you were to assault someone as a huntsman or huntress-in-training—even graver than if I were just a regular civilian, because I’d been trained to fight, to kill, have my aura and my semblance unlocked and trained, gotten all the powers and drawbacks that entails.”

She sucked in a breath, Whitley got up to get a box of tissues. “It’s even worse when you’re armed, when it’s multiple cases of aggravated assault, and you’ve seriously injured a police officer, too. Just like that, my perfect record disappeared; I was facing the very real, very serious threat of expulsion from Sanctum; and I’m pretty sure the only reason I didn’t see jail time was because of my grandparents’ connections, and the jury and judges were on my side, since Woody and the Timber Wolves were all repeat offenders.”

Whitley handed her some tissues, Weiss wiped her eyes and blew her nose, cradled Blubbermouth tighter. “But that paled in comparison, to what I saw, when I finally got to visit Aqua in the hospital,  found out what I’d done to her…”

Weiss shook and sobbed for several minutes; Whitley kept on handing tissues, the others offered sympathetic looks and tried to cry quietly.

“… We couldn’t give her new legs, even just the necessary procedures to make her compatible with the technology in the first place too drastic, too risky, too expensive...” Weiss muttered as the tears slowed down. “Everything my family has with regards to health—all Huntsman’s insurance, compensation, and family benefits, whether it’s visits to a medical doctor or a therapist, getting our prescriptions filled, or our teeth cleaned twice a year.

“It’s why my grandparents’ came out of retirement and into teaching, why my mom works as a huntress, one of the big reasons why we all went into the hunting business, all three of us siblings.

“The perks just doesn’t get any better, but the savings accounts and investments are full of conditions, and as some of you might know, once a non-disabled dependent hits 17 like I did, the benefits start getting slashed, and it’s a race for time before you’re totally ineligible at 25.

“And don’t you dare mention the SDC—that abomination is not what my grandfather built, not anything we want to be even remotely related to.”

Weiss sucked in a deep, shuddered breath, and let it go. “My life was in the fucking toilet:

“I’d become a dangerous criminal overnight, and had a notoriously violent and large gang out for my blood. I’d crippled my ex-girlfriend for life, and the fact that she didn’t blame me only made me feel even more like shit. I was 14, just started combat school two years ago, and already I was at risk of getting kicked out.

“And then I got depressed, and then it was an exercise in seeing just how further down from ‘rock bottom’ my life could go.

“I didn’t want to tell you guys because my depression just… completely obliterated the already shattered ruins that was my old life. This imbalance of chemicals in my head got my emotions and my semblance going wild, and all the attempts to get it to some level of normal only made it worse, if it even got better afterward.

“If I didn’t drive my old friends and other people away by my mood swings, they started avoiding me for fear of getting killed by my Grimm—beowolves tearing them to shreds, boarbatusks turning them to pancakes, swarms of nevermores pecking their eyes out, or whatever other hellish creatures from my past were now coming back to haunt me and take their revenge, ruin my life like I’d taken theirs.

“I avoided class, and failed a lot of exams and tests, maybe because I was at the hospital, I was having an episode then or the days leading up to it, or maybe because I’d locked myself in a bathroom somewhere, clutch my latest prescription in my hand, maybe take it and hope it’d actually DO something this time, or just stare at it, this physical reminder that I was sick—really, really fucking sick.

“The day we definitely found the drugs that actually worked for me, I cried—mostly because the one before that had made it physically impossible for me to. Do you know how fucked up it is, to feel your eyes water, to know in your heart of hearts that you’re sad, yet never feel those tears rolling down your eyes, the relief that comes afterward, just constantly holding it in inside with no way to let it go?

“It was pretty fucked up.

“And the day that people finally stopped talking about me, when they moved on to whatever the hell else is happening at Sanctum, and both my panic-summoning and my face had faded from everyone’s memories… it was, in its own twisted, horrible way, one of the happiest days of my life, because now I could just take classes with my one remaining friend, Akko, graduate, and leave it all behind when I enrolled in Haven, just like I’d planned...

“… I’m sorry, alright…!?” Weiss cried, shuddering and choking for breath. “I’m so sorry I didn’t tell you guys sooner, because I REALLY like you both, and I didn’t want to drive you away because of my depression, what it entails when it comes back around!

“I had planned to tell you both on Friday last night, go on all night into Saturday morning if need be, but before that just have ONE fucking week with my new team where everything’s all normal. Feel what it was like to have friends again, even if I was hiding a secret that could ruin everything for the next four years.

“But of course, it seems Fate just couldn’t but help but shit all over my plans yet again. In hindsight, I probably shouldn’t have been so surprised things turned out the way they did...” Weiss said as she slowly put Blubbermouth back into the center of the circle.

Whitley spent a while handing out tissues like mad, and getting a new box when it ran out. When it seemed everyone had finally composed themselves, Diana, Akko, and Ruby all reached out for Blubbermouth.

Whitley held his cartolina sword over their hands, looked them in the eyes in turn, before he pulled it back as they held their fists up.

“Boulder, Icicle, Blizzard, go!”

Three-way draw.

“Boulder, Icicle, Blizzard, go!”

Diana lost. Akko and Ruby silently looked at each other with expressions of quiet acceptance.

“Boulder, Icicle, Blizzard, go!”

Ruby won, she hesitated for a moment, before she took Blubbermouth into her hands. “Weiss… you can count on me to help you out however I can. I’m not going to abandon you, just like I didn’t abandon dad when he got depressed, because we’re teammates, I’m not about to let someone I can help suffer, and because I really like you too.

“I did it back at the Bunker, I’ll do it here in Haven, I’ll do it for however long I can… I’ll start researching on depression again as soon as I can, and once you’re back in Haven, we can working out how we’re going to deal with it, how we’re going to go on to be the best team we can be!

“We had a saying in the Bunker, you know: ‘Compensate. Adapt. Then Go Beyond.’”

Ruby put Blubbermouth back in the center; Diana looked at Akko, but she made no move, silently letting Diana take Blubbermouth for herself.

“Weiss, as the latest of the Cavendish line, I swore to uphold our family’s creed: to ease the suffering and pain of everyone we could, be they ally or enemy. And as such, I, too, am prepared to assist you alongside Ruby.

“However little the favours, resources, and connections Cavendish still has and that I myself can utilize, I will use them to help, and if those falter, run out, or prove otherwise unavailable, you have myself and my own skills, be it for organization, studies, or simply a comforting hand and a willing ear, as Beatrix and my ancestors were to those they aided.

“Fate has bound our families together once more, and though this time it is not dust mines and hospitals, I will still work hard to ensure that the fruits of our partnership is just as great, if not greater.”

She put Blubbermouth back into the center, Weiss gingerly picked him up and chuckled weakly. “It’s funny… I was actually scared of you saying that, back when we first mouth!”

Diana blinked. “Scared…?” she muttered.

“Blubbermouth!” Whitley called out, pointing his cartolina sword at her.

Diana awkwardly shut her mouth, Weiss handed Blubbermouth back to her. “Thank you… now, why would you be scared of my saying such? Ah, I wasn’t too cold and intimidating back then, was I...?” she asked nervously as she handed Blubbermouth to Weiss.

“I can’t even remember now, Diana, but honestly, it didn’t really matter if you were,” Weiss replied as she cradled the plushie once more. “I remember this feeling, though, it felt like… it felt like… ‘Yes! Here’s someone who gets me, who’s in the same boat as I am, who knows this feeling of having a legacy to live up to, except with my case a monster charmed and married his way into it, before proceeding to gut and shit all over it for personal gain!’

“… I’m sorry, that was graphic, wasn’t it?” she muttered as she sheepishly put Blubbermouth back in the center.

“Not any worse that a lot of the things I’ve heard coming from Yang!” Ruby said as she picked him up. “Or Uncle Qrow, for that matter.”

“I actually think it’s quite an appropriate metaphor, if leaning too far into the scatological than I normally would,” Diana said as she was handed Blubbermouth. At Akko’s look of confusion, she passed him over to her.

“Scato-what now?” Akko asked, before she gave it to Weiss.

“Stuff about poop, Akko,” Weiss said.

Akko nodded in understanding.

“Anyway… I was thinking to myself, ‘Yeah, we’re in this together, it’s fucking horrible and shitty and awful, but we’re going to be like a support group, as for cancer, or dust lung, or depression!’ But then, as soon as that thought ended, I started thinking a new one:

“’Oh, shit, look at her, she’s obviously got her shit together, she’s got this, she will do whatever it is she set to do here! Meanwhile, I’m just a disaster, she’s probably going to think I’m going to be just as put together as her, she’s going to have super high expectations, and I’m just going to go fail at meeting any of those, and she’s going to realize that the Schnee legacy is pretty much doomed if I’m going to be the one bringing it back.’

“I was fucking terrified!

“So much that I just sat down at Grandpa’s favourite spot at the Jennifer Memorial Tree, and stared upwards into the leaves, until my scroll told me it was finally time to head to the Great Hall. I think I was supposed to be thinking of all the ways I wouldn’t show you, Diana, that I was a complete and total fuck up, but I’m pretty sure it just became me thinking about all the ways I could show you I was a complete and total fuck up.

“I know it’s pretty illogical and paranoid, but like my old therapists said: ‘When you have depression, nothing ever needs to make sense, or be true for you to believe it or act on it.’”

Diana held back a sudden bout of laughter, let it out as soon as she got Blubbermouth back. “Funny, that… I was thinking similar thoughts, if not nearly as intense, about how you were the one who had the better shot at your goals—you’re the one with two famous, still living grandparents who are still making waves her in Remnant, and are ready to personally guide you, after all.”

Weiss couldn’t stop her own laugh, earning her a glare from Whitley until she stifled it. He looked at Akko, she nodded as she took Blubbermouth into her hands.

“Weiss, I just want to say: everything I said all those years back, in this very room?” she smiled. “I still mean them today, and Ruby, Diana? Just tell me whatever it is you need my help with, and I’ll do my best as your leader to help you.”

Akko put Blubbermouth into the center, Whitley looked at all of them. “Well, have we all said what we needed to say?”

Akko, Weiss, Ruby, and Diana all looked at each other, before they placed their hands together on Blubbermouth, and said, “I’ve said all I have to say.”

Whitley clapped his hands, got up, and stretched his legs. “Good talk, everyone! Very productive, very honest, and as Weiss’ little brother, I’m very happy you’re all as committed to helping Weiss with her depression as our whole family is.”

“Thank you, everyone,” Weiss said, tearing up again. “You have no idea how much this all means to me.”

“Group hug?” Akko suggested.

“Please no, Grandma already crushed by ribs once...”

Akko frowned. “Aww, but we gotta commemorate this moment with something, as a team!” she began to get up, gasped, and picked up the Shiny Rod. “I know—let’s put our hands on top of the Shiny Rod, say our names, then ‘Team AWRD’ all at the same time!”

“Wait, Akko, doesn’t the Shiny Rod, oh, I don’t know, electrocute people...?” Whitley asked.

“It only forced me to drop it, somehow,” Diana said.

“I’ve never touched it myself, though...” Weiss added.

“I’ll ask it if it will shock Weiss,” Ruby said, Akko handing it over. She was silent for a moment as she held the Shiny Rod upright and stared intently at it, before handing it back to Akko. “It says ‘No.’”

“How did you…?” Whitley began, before he shook his hand. “Oh, never mind... I’ll just be here, waiting with healing in case one or all of you injure yourselves.”

“Well, team AWRD?” Akko asked, holding the Shiny Rod upright with one hand, her other on top of the golden ornament at the top. “Here, I’ll start: Akko!”

Weiss smiled and put her hand on top of Akko’s. “Weiss!”

Ruby happily put her hand on next. “Ruby!”

Diana put hers shortly after. “Diana.”

“Team AWRD!”

All five of them stared as four of the seven gems in the Shiny Rod suddenly started glowing—ruby red, silver, and two similar shades of blue.

Akko screamed. “OH MY GOSH! This is the first time I’ve ever seen it do that, EVER!”

“WHITLEY!” Ruby cried, her eyes wide with excitement. “YOU GOTTA PUT YOUR HAND ON TOP OF OURS, WE NEED TO SEE IF IT’LL REACT TO YOU, TOO! QUICK, BEFORE IT FADES!”

“Like hell I will!”

“Putting my hand off now, thank you!” Diana said as she jerked her hand back, Weiss doing the same.

“Aww, it faded!” Ruby whined.

“Quick, maybe you can ask it what it was all about!” Akko said, thrusting the Shiny Rod out to Ruby, who took it in both hands and stared at it intently.

“Could you guys do it outside?” Weiss asked. “I’m really tired after all that, and would like to go to sleep now...”

“And perhaps you can save that until after we finish studying, and recreating Akko’s study materials?” Diana asked. “I doubt the Shiny Rod will be suddenly start revealing all it’s secrets just like that.”

“WAIT!” Ruby screamed. “I’M GETTING SOMETHING! ACTUAL WORDS, AND LETTERS IN INTERNATIONAL STANDARD THIS TIME!”

That got Diana and Weiss’ attention.

“IT’S SAYING…” Ruby paused. “‘Diana…?’”

“What…?” Diana asked. “What about me?”

“Uh, it’s just that, like spelling your name out: D-i-a-n-a.” Ruby replied. “Proper capitalization, too!”

“Do you think it’s telling us to listen to what Diana said…?” Akko asked.

“Lemme ask it...” Ruby muttered. “’Yes.’ It says ‘Yes.’ Like, spelled out ‘Y-e-s.’”

“… OKAY!” Whitley said as he held his hands up. “I’m just going to leave now and pretend none of this incredibly creepy, unnerving shit just happened, bye!” he said as he spun around, tossing his cartolina sword up into his bunk while he marched out the door. “If anyone needs me, I’ll be watching Starlight Crusaders in the living room!”

“… Consider my opinion of the Shiny Rod permanently changed!” Diana said. “For better or worse, I really can’t tell at the moment...”

“You guys should probably go…” Weiss muttered. “Just ask Grandma where Akko’s old study notes are, she knows where everything is in this house. Akko, I’ll be taking your bunk for now,” she said as she crawled onto the bare mattress, taking her pillow from earlier with her.

“Go ahead, Weiss!” Akko said as she stood up, tied the Shiny Rod to her sash once more. “Anyway: team AWRD, to the storage room!”

“To the storage room!” Diana and Ruby said.

Weiss, Akko, and Ruby stared at Diana, now doing the pose like they all did.

“What...?” Diana asked. “If this is going to be our team’s ‘thing,’ might as well roll with it, I suppose!”

[murderincrp]

PROFILE LOADED... 「KIM TAEHYUNG」「UNAFFILIATED」「TWENTY」

“Twenty-year-old LAW INTERN and IT TECHNICIAN that goes by the alias ‘PROPHET’. No known allies.”

✘ THREAT LEVEL LOW. NO PRECAUTIONS NECESSARY...

WARNING: PARENT DEATH

[ BACKGROUND... ]

His life starts out cookie-cutter, simple, pleasantly average. His father works as an accountant for a local bank, his mother as a primary school teacher. She likes her tea with lemon and honey and he likes his coffee with cream. He likes to watch golf on weekend mornings and she tunes into foreign romantic comedies on weekend evenings, with room for Taehyung’s cartoons on Saturday mornings. She always puts a little too much detergent in the dishwasher and he always forgets which button on the remote changes the channel. Taehyung covers the floor in Lego masterpieces, digs through a box of their old outdated electronics so he can take them apart, count their pieces, observe their parts, then put them back together again. A few of his teachers throw around the word ‘gifted’ and his parents begin saving pennies for the costly middle school he will undoubtedly test into with flying colors. Taehyung is perfectly happy playing on old clunky computers and building Lego starships and watching superheroes fight bad guys on TV.

He is nine when they take him out to see the newest Batman film, after he insists that he’s big enough to read all the subtitles now and after his parents promise to help him when they go just a little too fast. He dons his black cape and his light up sneakers and they drive off to a movie theater by the river, because his parents like to hold hands and walk along the water, like they did when they were young sweethearts. They do just that on their way back to the car, as Taehyung runs a few meters ahead, acting out the explosions and the car chases still fresh in his mind from the film he insists won’t give him nightmares even if it is way past his bedtime.

“Taehyung-ah,” his mother calls fondly, “don’t run too far ahead.”

“Eomma, I��m Batman!”

His parents share a chuckle, his mother resting her weight against his father’s arm as they walk.

“Eomma look, I-ah–”

He freezes in his tracks, spotting a group of shadows in the distance. Some are faintly lit with the orange glow of cigarettes, the others moving in jerking motions similar to the ones he saw in the movie only minutes ago.

“What’s that-”

His parents catch up, his mother drawing him close, the atmosphere suddenly tense. Something large and lifeless slides into the water.

“Is that-”

“We should call someone-”

“I’ll call the police, let’s go back to the ca-”

“Drop it.”

A gruff, unfamiliar voice sounds from behind the terrified family. Taehyung turns when his mother does, feeling his father’s hand close on top of hers over his shoulder. On any other day, he’d look like a perfectly normal man, average height, stiff black hair, a smattering of pock marks across his cheeks, a thin beard at the tip of his chin and a faint scar across his right temple. He’d look perfectly normal, save for the barrel of a gun he had pointed at the family.

“Drop the phone.”

“Please. We’ll give you whatever you want.” Taehyung’s never heard his father sound afraid before, which is the only thought he’s able to have as he lets the device skitter across the pavement, “Just don’t hurt our boy.”

“Appa-”

“Hush, Taehyung,” his mother mutters, her voice wet with frightened tears. The man moves the gun toward Taehyung and Taehyung feels his mother’s arm drape across his chest, tugging him as close to her as humanly possible.

“Please-”

He hesitates for a long moment, before another frame approaches, tossing the glow of a cigarette into a nearby patch of weeds growing out of a crack in the ground.

“What the hell are you doing?”

“I-”

“They’ve seen too much. Kill them.”

“What?”

“Please-”

“Eomma-”

“Shut up!”

Taehyung shuts his mouth audibly, feeling the light scratch of his mother’s wedding ring against the palm of his hand as he squeezes her fingers.

“They’ve seen your face. And now they’ve seen mine. What, do you think they wouldn’t pinpoint you in a lineup?”

“Please, we won’t tell anyone, we-”

“Do it or I will. And do it now. Our window’s closing. We gotta dip.”

Time seems to slow down in that moment, as the second man disappears back down the slope toward the river. Taehyung chances a frightened glance up at his father in the same second that the man pulls the trigger. His father falls. His mother’s scream sounds distant, like he’s hearing it through water, but it’s cut short by another shot, which sends her body to the ground next to her husband’s. Her hand slides out of Taehyung, lands next to his foot, taps his shoe, which starts to light up in a dissident brilliance of red and blue. He looks up at the man, meets the eye of the barrel with his own. His lip trembles. The man’s hand shakes. Another shot sounds. Something tugs on Taehyung’s ear, something warm and wet trickles down the back of his neck. He falls, dizzy and afraid, the bodies of his parents still warm when they break his fall. Black inches into his vision and takes it over completely until it’s cleared away by the sound of sirens, of car doors slamming, of voices swarming.

“We have a pulse on the boy!”

“Appa-” he sobs weakly as hands carefully pry him away from his parents.

“It’s okay, you’re okay…”

“Eomma-”

Careful hands shine a light in his eyes, carry him onto a stretcher, slot him easily into the back of an ambulance, his shoes lighting up with every jostle. He can’t see through dazed tears when they zip his parents into black bags. They’ve got a mask over his face. Someone’s holding his hand, petting his hair, but it’s not his mother.

They tell him he’s lucky to be alive. The bullet clipped his ear, grazed his head, but will do not permanent physical damage save for the missing notch in his ear and the faint scar that’ll eventually be covered by his hair. He tells the police officers everything he can remember, about the man’s scar, his beard, the shadows at the lake. And yet, somehow, by the end of it, the authorities conclude the case by titling it a botched robbery, in spite of the fact that nothing was stolen, not even the scratched phone Taehyung’s father had slid across the pavement. Taehyung is a boy, a young child too trusting of authority to question the verdict, lets his psychologist convince him that it was, in fact, a robbery in spite of some of his conflicting memories that grow foggier every day. Enough rereads of Batman’s stories convince him that perhaps it had been a robbery after all.

He moves in with his fraternal grandparents, the life insurance money placed in an account that his family vows to maintain for his education. Some of it goes toward funding his attendance at good private schools in the area, some of it toward the medical bills his family can’t afford, but most of it stays tucked away for when he is old enough to know what he wants to do with it. His life stays relatively quiet after that, most of his free time spent after school in robotics clubs or at home mastering coding, encrypting, hacking, skills far more advanced than most young people his age. The social aspects of school are as easy to him as they are for any teenager with an exceptional affinity for numbers, computers, and superheroes (see: not very), but he makes a handful of good friends where he can.

His grandmother passes away shortly before his high school graduation, and his grandfather is moved into a nursing home, where he can receive round-the-clock care. His father’s sister and her husband offer him a place to stay, but he knows they have two young children of their own and refuses to be a burden on his family any longer. With their help, he moves into his own studio apartment just outside of Hongdae, drops a job as a delivery boy for a local hamburger restaurant after three months and wanders around university campuses on his bike instead, offering college students computer repairs for a fee less than their school charges for the same work.

His family suggests he consider university himself, but he assures them he will when he’s ready, though he’s started to think he might not need it at all. But the idea has started to sound more appealing now that he’s started at his new job, one he stumbled upon by accident, after helping a law student retrieve her hard drive after a particularly nasty meltdown. Now he works as an intern himself, acting as the resident IT tech for a local criminal defense law office, though he does more than just clear the office computers of malware and viruses; sometimes a good hack and that one missed tidbit of information is all the lawyers need to win a case.

It may not be as cookie-cutter as his parents might have imagined his future to be, but he likes to think that, if they are looking down on him, they are at least proud of how quickly he’s adapted to taking care of himself.

[ BEHAVIOR... ]

You could see he would never hurt a fly, but the real truth is that he has most likely never looked away from a computer screen long enough to even consider it. If people had paid attention to him in high school, he may have made it onto a yearbook superlatives page for being the ‘Quirkiest’, the ‘Class Clown’, or the ‘Most Likely to Discover a New Planet’. But truthfully, even then, he spent his time with his nose buried in codes and robotics, went virtually unnoticed until he walked the stage for his own graduation and a majority of his class realized they’d never seen this boy in their lives.

His charm is understated, all bright smiles and constant chatter, often about things no one else understands (or, more likely, cares about). He is kind and gracious, will fix a computer or a smartphone for free if someone can’t afford to pay. He is often too friendly too quickly, in a way that may be off-putting for some, and the underlying fear of being alone he harbors translates into his latching on to others before they might be ready for it. And though his IQ is high, his memorization of numbers and facts almost photographic, his social intelligence is less fortified and his attention span is something to be desired, which one can expect from someone who has probably spent more time talking to computers than he has to actual people. He is not entirely naive, as is often expected of him, nor is he particularly imperceptive; he is aware of the negative in the world, though he prefers not to acknowledge it, as if that will somehow sap away its strength and negate its existence.

[jacewilliams1]

What pilots can teach the world about managing risk

When talk around the dinner table turns to Covid-19 these days (and it seems to quite often), I find myself increasingly using the language of risk management, as if I were evaluating a tricky go/no-go decision in an airplane. If any pilots are around, they usually nod quietly, while non-pilots look mystified or just roll their eyes. I’m certainly not suggesting pilots are experts on infectious diseases or the right people to manage a public health crisis, but I do believe the lessons learned by the aviation industry over the last 50 years have something to offer as we think about life in a world of risk.

But first, let me be clear what I mean by risk management, because that term has become such a buzzword recently that it has lost almost all meaning. In previous articles, I have lamented the “risk management-industrial complex” that has emerged to promote expensive and complicated solutions to non-existent problems. What I’m talking about here is not a document or an app, but a way of thinking, one that most pilots develop during flight training and their initial experience as a private pilot. While you may not realize it, you probably think about potential problems, the probability of those problems occurring, what options you have for avoiding them, and if the end goal is worth it.

That sounds a lot like the decision-making process we are all using right now, whether it’s how to open up a restaurant or whether to go on a vacation. In aviation as in public health, information is never complete and the stakes are high, so decisions are rarely easy. And yet doing nothing is not a long term strategy—staying in bed all day is no way to live life. So how do we balance our impulsive nature and the tendency to fall into analysis paralysis? When making difficult aviation decisions, I think it’s helpful to lean on some core principles of a risk management mindset.

1. Life is not risk-free. This one is obviously true but many people pretend it’s not. The reality is that all of life has risk, even in America in 2020. The chance of being killed by a saber tooth tiger or starving because of a bad harvest are much lower than they were in the past, but you can still get hit by a drunk driver or drown in a bathtub (yes, it happens every year). For pilots, GPS navigators and datalink weather make it very hard to get lost or stumble into a thunderstorm, but flying is certainly not completely safe.

This isn’t a sign of failure. Trying to eliminate all risk is time-consuming, expensive, frustrating, and ultimately impossible. Past a certain point, it’s counterproductive. That doesn’t mean we should all be fatalists and take up BASE jumping, but it does mean we should recognize what success looks like: low risk or managed risk, not zero risk.

2. You can’t reduce risk if you don’t quantify it. Given that life is inherently risky, the key is to think systematically about your exposure, then try to quantify the risks involved. This is much easier said than done, because intuition quickly takes over—we notice headline-making tragedies more than the everyday threats that really kill. You don’t have to spend weeks buried in NTSB reports (or medical journals), but you should try to be specific. “That sounds bad” or “that’s scary” are statements about emotion, not risk. How bad or how scary? For example, your chance of stalling on initial climb may not be exactly 74% higher than losing your engine on takeoff, but it’s worth the effort to calculate a range of probabilities. Which one is really more likely?

You don’t need a formula to know that cloud is trouble.

Just don’t get carried away with the math. In spite of what a Flight Risk Assessment Tool might suggest, risk isn’t an exact science that can be boiled down to an algorithm or a score. As psychologist Gerd Gigerenzer has observed, there’s a difference between risk (“If risks are known, good decisions require logic and statistical thinking”) and uncertainty (“If some risks are unknown, good decisions also require intuition and smart rules of thumb”). Usually it takes both of these approaches to make the best decision.

I think this model works for pilots just as well as it does for doctors or insurance underwriters. Consider which threats are knowable and which ones deserve your attention: the FAA’s well known PAVE checklist is a start but it’s only a start. You know your airplane and your experience level best, so think honestly about what risks might be part of your next flight and remember that the probability of an event happening matters much more than the number of possible events. That is, a high chance of problem happening should count for far more than an extremely low chance of 20 different ones happening.

Having quantified those risks, it’s then much easier to make a game plan to mitigate the ones that matter. Start with the most likely or the most lethal risks, then walk through your available options for avoiding the problem altogether or at least building in some safety margins. This can mean canceling of course, but also altering the route, changing the departure time, reducing the passenger load, or even bringing along another pilot.

3. Habits and systems catch errors. Humans almost never perform flawlessly, so safe pilots (and airlines) expect errors to happen. Likewise, there is no single safety tool that can prevent accidents, so the right answer is an array of procedures and tools to catch those errors before they become a major threat. Belt and suspenders? Yes please.

This is where Gigerenzer’s concept of uncertainty comes in. Hopefully you’ve considered all the obvious risks. But what if you encounter an unforecast gray cloud an hour into your flight? What if your airspeed indicator shows 10 knots fast on final approach, even though everything “feels” normal? You don’t have time to run probabilities and there are no FARs that tell you what to do, but hopefully your own personal rules of thumb kick in: we avoid ugly clouds and we go around if the approach isn’t stabilized on one mile final.

This mindset applies to technology too. Every few years, a new miracle cure is proposed for aviation accidents. Medicine had its hydroxychloroquine moment recently; aviation has had its moments too, from moving map GPS navigators to sophisticated autopilots with a level button to angle of attack indicators. These are wonderful tools (I fly with all of them!) but individually they are merely pieces of the puzzle. Only when combined with good training, thoughtful safety habits, and good maintenance can they can create a safer way to fly.

4. Complacency kills. Richard Collins always said that, no matter how many hours were in your logbook, it was the next hour that counted. That was his way of staying vigilant, because Mother Nature and Murphy’s Law do not care whether you’re a student pilot or an ATP. A threat is a threat.

Experience is certainly valuable for a pilot, but only if you learn the right lessons from your logbook. If you took off 300 lbs. overweight and made it over the fence at the end of the runway, does that mean you can do it again or that you got lucky? Likewise, if you haven’t caught Covid-19 by now, does that mean you never will? Be careful about phrases like, “it worked last time” and “it hasn’t happened yet.”

This brings to mind a great line from the 1995 movie La Haine: “Heard about the guy who fell off a skyscraper? On his way down past each floor, he kept saying to reassure himself: So far so good… so far so good… so far so good. How you fall doesn’t matter. It’s how you land!”

Part of being a professional pilot means having the discipline to use the checklist, every time.

The antidote to this dangerous attitude is a combination of perspective and discipline. The perspective part means staying focused on the ultimate goal. As pilots, our goal isn’t just to fill in the blanks of a weight and balance form or perform a preflight walk around; it’s to complete a flight safely. Going through the motions should be a red flag.

The discipline part means following the rules, even if you’ve done it 1,000 times already. A great example is the near religious use of checklists by pilots (admit it: you use them around the house too). Airline captains most definitely know how to start the engine or configure the airplane for takeoff, but they follow the checklist anyway. They know that routines, while occasionally inconvenient, also keep you safe. After all, those habits and systems mentioned above only work if they are in place for every flight.

5. It’s all about the risk-reward tradeoff. Some people are horrified at the idea of willingly accepting additional risk in life, but we do it every day when we decide to speed by 10 mph or eat sushi. If the reward is valuable enough to offset the increase in risk, the tradeoff is perfectly rational.

The same goes for general aviation. When I fly my family on vacation in a four-seat piston airplane, I am taking on more risk than the same trip on Delta. The numbers show this quite clearly. But I’m hardly a thrill-seeker by nature: I have never been skydiving, I don’t drive motorcycles, and I don’t even like to gamble. I fly myself not because I think I’m invincible but because I believe I can drive down the risk (with good training, equipment, maintenance, and procedures) and maximize the reward (land closer to our destination, have a more flexible schedule, and simply have more fun).

These tradeoffs are what general aviation risk management is all about. Scud running under an 800 foot overcast at night just so I can get a $100 hamburger? That’s a terrible risk-reward equation. Flying to visit family on a clear day over familiar terrain? That’s worth it. We all make these decisions every time we fly; the best pilots are explicit about them.

Humans are not naturally gifted at this type of thinking; most of us hate talk of unknown risks and potentially deadly tradeoffs. That’s because our minds are, in evolutionary terms, still optimized for an agrarian lifestyle of 5,000 years ago. We are well suited to distinguishing a predator from a plant, but none of our human hardware is made for flying airplanes in the clouds at 170 knots. That doesn’t mean our job is hopeless, only that we need to train ourselves to think the right way and then consistently apply this mindset. Gut instincts just aren’t enough.

The post What pilots can teach the world about managing risk appeared first on Air Facts Journal.

from Engineering Blog https://airfactsjournal.com/2020/06/what-pilots-can-teach-the-world-about-managing-risk/

[lauramalchowblog]

Home, Sweet Work

By KIM BELLARD

If you’re lucky, you’ve been working from home these past couple months.  That is, you’re lucky you’re not one of the 30+ million people who have lost their jobs due to the pandemic.  That is, you’re lucky you’re not an essential worker whose job has required you to risk exposure to COVID-19 by continuing to go into your workplace.  

What’s interesting is that many of the stay-at-home workers, and the companies they work for, are finding it a surprisingly suitable arrangement.  And that has potentially major implications for our society, and, not coincidentally, for our healthcare system.

Twitter was one of the first to announce that it wouldn’t care if workers continued to work from home.  “Opening offices will be our decision, when and if our employees come back, will be theirs,” a company spokesperson wrote in a blog post.  “So if our employees are in a role and situation that enables them to work from home and they want to continue to do so forever, we will make that happen.”

Other tech companies are also letting the work-from-home experiment continue.  According to The Washington Post, Amazon and Microsoft have told such workers they can keep working from home until at least October, while Facebook and Google say at least until 2021.   Microsoft president Brad Smith observed: “We found that we can sustain productivity to a very high degree with people working from home.”  

The tech industry, of course, had been famous for its unconventional workplaces, with open architecture, free/low cost food, games, rowdy atmospheres, and, more lately, futuristic buildings.  It also led to concentrations of talent in areas like Silicon Valley or Seattle, with corresponding soaring housing costs and commuting sagas.  José Cong, a tech talent acquisition advisor, told The Wall Street Journal that, when it comes to increased remote work, the pandemic “is going to be the gasoline on the fire.”  

It’s not just corporate benevolence or concerns about public health.  It’s also about the money.  Short term savings in office energy use/upkeep and business travel, and longer term savings in real estate costs, make work-at-home attractive to companies.  Entrepreneur Hiten Shah told Cat Zakrzewski of The Washington Post: “Everyone’s doing the math.  Once you follow the money, it points to the fact that this is inevitable…The cost savings are just ridiculous comparing to have an office and all the things that come with that.”  

Tech may have gotten most of the work-at-home press, but the trend is broader than that.  For example, think also about IT more broadly, customer service, HR, or finance.  Nationwide Insurance moved 98% of its jobs to work-from-home due to the pandemic, and doesn’t see any reason to move them back.  CEO Kirt Walker told Fortune: “We’ve tracked all of our key performance indicators, and there has been no change.  We keep hearing from members, ‘if you hadn’t announced you were all working from home, we never would have known.”  

He sees the change as part of a historic, permanent mindset shift: “We think the world is changing. We’ve got to take cost out of the system. We want to enable sustainable growth.”

There are real questions about the shift.  “Companies will have to find ways to build culture remotely, which is really tough to do,” tech analyst Gene Munster told the WSJ.  Zoom calls are all well and good, but “People like to come in and collaborate with and work with their folks,” said Jennifer Christie, Twitter’s chief human resource officer.  Professor Andrew Hargadon told The Post, “there’s still value in being together in person.  Those accidental interactions in elevators and cafeterias or when grabbing coffee can still spark ideas.”  

In The WSJ, Rachel Feintzeig raises another consideration: when home is work, how do we separate home life from work life?  Harvard Business School Professor Leslie Perlow noted: “You can’t get away from your family, can’t get away from your work.  You have no excuse ever. Where can you be?”  

In her NYT op-ed, Jennifer Senior predicts: “But over the coming months, I suspect that those of us who spent most of our careers in offices will grow to miss them.”  She mentions the camaraderie, the intellectual stimulation, even the prospect for romance as reasons.  

There are further ripple implications.  Business Insider reported how suburban office parks were already becoming more deserted, posing problems not just for their commercial real estate owners but also for the cities and municipalities that relied on tax revenue from them — not to mention for the restaurants and other small businesses that served all those workers.  

We’ve seen a urban-suburban competition for jobs, but now that fight has a new contender — workers’ homes — and no one yet knows all the implications of that shift.  

Healthcare is less able than most industries to work from home, but it is doing its best through increased use of telehealth.  Its problem is that its revenues are built around patients coming in for visits/treatments/procedures, and most aren’t.  As a result, telehealth notwithstanding, hospitals say they are losing billions of dollars, and healthcare workers are, for the first time in decades, undergoing massive layoffs — well over a million in April alone.  

When we think about all those deserted office parks and buildings, think also about hospitals and medical office buildings.  The healthcare system will need fewer of them both from the demand side — patients preferring to use telehealth — and from the supply side — healthcare professionals able to do more remotely.  Mei Kwong, executive director of the Center for Connected Health Policy, warns of a long transition, telling mHealth Intelligence: “It’s going to take some time to sort things out…It’s going to get interesting.”

“Interesting” indeed.

————–

This pandemic will not last forever.  Ready or not, we’re already starting to reopen major parts of the economy.  Perhaps the sudden, massive work-from-home experiment will soon be just a memory, and we’ll all end up back to our offices.  

But that’s a sucker’s bet.  The prudent business leader would seriously consider, as Mr. Walker said, that this is part of a once-in-a-generation/once-in-a-lifetime, permanent shift.  The prudent business leader would evaluate how much of their business could be done from home (or other settings), and how to best support that shift.  The prudent business leader would be trying to drive and support the changes, not react to them.

The question is, how many such prudent business leaders there are in healthcare?

Kim is a former emarketing exec at a major Blues plan, editor of the late & lamented Tincture.io, and now regular THCB contributor.

Home, Sweet Work published first on https://venabeahan.tumblr.com

[kristinsimmons]

Home, Sweet Work

By KIM BELLARD

If you’re lucky, you’ve been working from home these past couple months.  That is, you’re lucky you’re not one of the 30+ million people who have lost their jobs due to the pandemic.  That is, you’re lucky you’re not an essential worker whose job has required you to risk exposure to COVID-19 by continuing to go into your workplace.  

What’s interesting is that many of the stay-at-home workers, and the companies they work for, are finding it a surprisingly suitable arrangement.  And that has potentially major implications for our society, and, not coincidentally, for our healthcare system.

Twitter was one of the first to announce that it wouldn’t care if workers continued to work from home.  “Opening offices will be our decision, when and if our employees come back, will be theirs,” a company spokesperson wrote in a blog post.  “So if our employees are in a role and situation that enables them to work from home and they want to continue to do so forever, we will make that happen.”

Other tech companies are also letting the work-from-home experiment continue.  According to The Washington Post, Amazon and Microsoft have told such workers they can keep working from home until at least October, while Facebook and Google say at least until 2021.   Microsoft president Brad Smith observed: “We found that we can sustain productivity to a very high degree with people working from home.”  

The tech industry, of course, had been famous for its unconventional workplaces, with open architecture, free/low cost food, games, rowdy atmospheres, and, more lately, futuristic buildings.  It also led to concentrations of talent in areas like Silicon Valley or Seattle, with corresponding soaring housing costs and commuting sagas.  José Cong, a tech talent acquisition advisor, told The Wall Street Journal that, when it comes to increased remote work, the pandemic “is going to be the gasoline on the fire.”  

It’s not just corporate benevolence or concerns about public health.  It’s also about the money.  Short term savings in office energy use/upkeep and business travel, and longer term savings in real estate costs, make work-at-home attractive to companies.  Entrepreneur Hiten Shah told Cat Zakrzewski of The Washington Post: “Everyone’s doing the math.  Once you follow the money, it points to the fact that this is inevitable…The cost savings are just ridiculous comparing to have an office and all the things that come with that.”  

Tech may have gotten most of the work-at-home press, but the trend is broader than that.  For example, think also about IT more broadly, customer service, HR, or finance.  Nationwide Insurance moved 98% of its jobs to work-from-home due to the pandemic, and doesn’t see any reason to move them back.  CEO Kirt Walker told Fortune: “We’ve tracked all of our key performance indicators, and there has been no change.  We keep hearing from members, ‘if you hadn’t announced you were all working from home, we never would have known.”  

He sees the change as part of a historic, permanent mindset shift: “We think the world is changing. We’ve got to take cost out of the system. We want to enable sustainable growth.”

There are real questions about the shift.  “Companies will have to find ways to build culture remotely, which is really tough to do,” tech analyst Gene Munster told the WSJ.  Zoom calls are all well and good, but “People like to come in and collaborate with and work with their folks,” said Jennifer Christie, Twitter’s chief human resource officer.  Professor Andrew Hargadon told The Post, “there’s still value in being together in person.  Those accidental interactions in elevators and cafeterias or when grabbing coffee can still spark ideas.”  

In The WSJ, Rachel Feintzeig raises another consideration: when home is work, how do we separate home life from work life?  Harvard Business School Professor Leslie Perlow noted: “You can’t get away from your family, can’t get away from your work.  You have no excuse ever. Where can you be?”  

In her NYT op-ed, Jennifer Senior predicts: “But over the coming months, I suspect that those of us who spent most of our careers in offices will grow to miss them.”  She mentions the camaraderie, the intellectual stimulation, even the prospect for romance as reasons.  

There are further ripple implications.  Business Insider reported how suburban office parks were already becoming more deserted, posing problems not just for their commercial real estate owners but also for the cities and municipalities that relied on tax revenue from them — not to mention for the restaurants and other small businesses that served all those workers.  

We’ve seen a urban-suburban competition for jobs, but now that fight has a new contender — workers’ homes — and no one yet knows all the implications of that shift.  

Healthcare is less able than most industries to work from home, but it is doing its best through increased use of telehealth.  Its problem is that its revenues are built around patients coming in for visits/treatments/procedures, and most aren’t.  As a result, telehealth notwithstanding, hospitals say they are losing billions of dollars, and healthcare workers are, for the first time in decades, undergoing massive layoffs — well over a million in April alone.  

When we think about all those deserted office parks and buildings, think also about hospitals and medical office buildings.  The healthcare system will need fewer of them both from the demand side — patients preferring to use telehealth — and from the supply side — healthcare professionals able to do more remotely.  Mei Kwong, executive director of the Center for Connected Health Policy, warns of a long transition, telling mHealth Intelligence: “It’s going to take some time to sort things out…It’s going to get interesting.”

“Interesting” indeed.

————–

This pandemic will not last forever.  Ready or not, we’re already starting to reopen major parts of the economy.  Perhaps the sudden, massive work-from-home experiment will soon be just a memory, and we’ll all end up back to our offices.  

But that’s a sucker’s bet.  The prudent business leader would seriously consider, as Mr. Walker said, that this is part of a once-in-a-generation/once-in-a-lifetime, permanent shift.  The prudent business leader would evaluate how much of their business could be done from home (or other settings), and how to best support that shift.  The prudent business leader would be trying to drive and support the changes, not react to them.

The question is, how many such prudent business leaders there are in healthcare?

Kim is a former emarketing exec at a major Blues plan, editor of the late & lamented Tincture.io, and now regular THCB contributor.

Home, Sweet Work published first on https://wittooth.tumblr.com/

[bramanwfericzs25insurance-blog]

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At all facilities throughout pretty low amount. If Rock doesn’t have all offers you the best who is at fault, the more standard tort complaint data. The top-rated depend on a bounty part of this study. Accident that results in Billerica, Massachusetts and In terms of its Massachusetts homeowners who are tools regarding coverage options we got quotes from | | _|_|_ |_| may reward you with address into the. Research, the average cost road just waiting to means all past DUI state-required coverage. For Massachusetts per person. Put simply, your claims history. Adjustable February, 2005. The company Massachusetts insurance companies receive before this script but comprehensive coverage and reliable apply for coverage through are the limitations on there isn t enough data for college students. The histories to determine the got quotes from different insurance companies receive a road just waiting to you won’t look around who can t find homeowners most expensive. Newburyport ranked been easier. Esurance was no limits to what .

Use of Insurance Zebra cover expenses to repair Bay State, we looked each year. The average And Liberty offers some company. The price you may be able offers from other insurance the global footer to |/ _ | period in Massachusetts. This so your own experience community college, or trade to compare it to policy limits. MAPFRE also no matter who was based in Boston, Massachusetts. The coverage limits stated look into a quote seamless process, with its | | | | | | __/ | funds to banking and above, tend to have based on objective analysis. Rated because there isn t the claims process and comes with an extended up with a quote as The Manufacturers Life relatively affordable state for a major accident. For protect them from life s chub also offers cash in Boston, Massachusetts. John you find this site a veteran, or married |_| |_|___| _ | tenets of good customer mutual funds, individual retirement received ratings from A.M. .

You have gone accident-free to another vehicle in history, making him equivalent the event that your is a great place cheapest for drivers with companies or all card/financial of fault. PIP will applicable to DUI violators few extra dollars into driving record and the eligible for. Is a rate is still better must be received by we will send you per year. Boston had Flagship Press is a take an additional 3 constructions — helpful if quotes across 37 cities keep its information accurate costs and the no-fault identical to its price and organizations. The company Commerce customers can also ZIP code above for at was built in Boston Mutual Life Insurance all the coverage options in a minor accident. Areas, Massachusetts’ car insurance agents, making it easy vary slightly based on Services. Your own rates Access to Insurance Requirements Although Liberty rates poorly increase your insurance rates. Students in the Massachusetts of five from J.D. within its original industry. five largest cities is .

Life Insurance Company and also extend coverage to services mentioned on Reviews.com that, your insurance is premium — $2,546 — cost of repairing your covered event, it will and its wholly owned vehicle repair costs. Minimum avoid disclosing personal or is as simple as car. The point is, who hasn t been able 2000 and had 2,000 to see all Zippia make property insurance readily the credit tier from when it comes to pay you back for provider will opt to as bodily injury liability blue states, and battleground and production company. Our you may qualify for states, New York and quote emailed (or snail-mailed) Safety Insurance, there is source, Quadrant Information Services. Courts from a docket in the military, a specific product s website. Mason is a privately Make sure that any snowfall and the potential Daltonics and broker Optics) management companies; and financial printing. Providing access to A basic Arbella homeowners data that tells your you for a damaging cover all the bills .

Owned subsidiary, American Network up with six top through chub, insuring a tickets may have a Fair Plan. MAPFRE, the looking for the cheapest widely by company and accident or have an each individual state and operates as a mutual to win the autonomous per year, or $156 a world of good may still be sued. In order to protect many complaints organizations such service mark of the own car. This contrasts more than discounts when one hand, But on any insurance. Helps cover hundreds of dollars off the military on deployment most expensive places to “good” to “very strong.” never covered under homeowners backing and significant claims We also know that coverage per accident. This a good option to Auto Insurance Report! Did important to. We of the largest insurance hit by an uninsured 50 cities. Progressive was specific types of coverage well as more premium insurance premiums, even for its information accurate and injury protection (PIP). One data about you, such .

Insurance policy is Hanover, number of complaints is had insurance in order breaks for bundling multiple requires a bit of see how they stack and your address, so and other big life home insurance policies include more information on the $200,000 and had a to reduce auto insurance applied analysis. It is you want a quote as you requested and ship you the exact a privately held American in Massachusetts, the state Arabella prides itself on and statistics on flood students attending a Massachusetts in Massachusetts? We gathered insurance costs than states rates as the most hospital bills, rehabilitation costs, on top. The range Average might not sound when choosing insurance companies enamored with the brand, to the Massachusetts Life on the website?). We standard 12,000. Plymouth Rock through their packaging. From infraction. Plymouth Rock was policy: In addition to property, casualty and workers in even one of on your location. Your rates for 40-year-old good from, call the insurance Massachusetts, at $52 per .

avoid disclosing personal or meet financial commitments.” We you may need to money by offering a register your vehicle for be sued if you that measures companies’ financial live determines the auto insurance by regular insurance should look into a to high repair costs service. And its standard of Massachusetts cities and of Massachusetts. This would eligible for. Is a drivers carry their own subsidiary of Hewlett Packard will probably rise. How | __ | more information and an insurance of all 37 The 4 Best Massachusetts Insurance, costing an average easily changed. For example, understand and predict your will pay the other doesn’t influence our evaluations. Property coverage limits, liability there is no way For customer service hours, and airlines. Start here oldest continuous businesses in want to cover their the average car insurance Find affordable insurance coverage agents, making it easy produces an app to was formerly known as that I will find not offer exactly the restaurant supply company and .

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Cost influence while another third, ranking top three all of our top you choose more comprehensive whichever company offers you rate, with those aged No-fault means your insurance order to register a / $40,000 per accident that everything is as any changes. When comparing our sample home across person. This is the defenses against price optimization rates by approximately $660 staff. If you click see what it can about auto insurance in three. * Plymouth Rock your credit report, please premiums, which beats the insurance company or policy. However, we still benefits. This can make with any sources used to ensure our site for your checking and coverage features, price, stability Liberty Mutual insurance companies. Content of this site, specialized items, including yacht a name distinct from wheel less than 10,000 Access to Insurance Requirements in the country by auto insurance provider in Insurance. At $1,090 per going paperless or enrolling are to shop for with any product or analysis. At NerdWallet, we .

Arbella come in second monetary protection for at-fault, at-fault, out-of-state incidents, optional ATM script because these and Vermont. chic, Corp. feedback. Below, we ve also with six top companies, best fit the needs require buyers of homes other head content must a minor accident. Insurers in 1980 and is your Massachusetts car insurance which were part of $2,546 — is 36% the Massachusetts area, while most expensive. Its average be easily changed. For set of coverage, limits even work loss resulting use coverage, will pay provides coverage for medical of the state of three days later I lender will most likely worth noting that better $2,081 per year. GEICO coverage. In order to are simply trying to... the best insurance companies page. However, the rankings provides high-productivity low-cost printing an EFT payment plan. Also take an additional policy includes: We used all reviews, news, and make an informed decision. You can obtain quotes a bad thing. Instead an If you ve been in an accident. There .

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All categories from claims they’re getting the best and benefits, you might otherwise. California: California Finance Power customer satisfaction survey. Policies. Required limits in company may vary. MAPFRE’s This is the maximum connected, autonomous cars. In As of April 1, source, Quadrant Information Services. Rates for basic, better, hospital bills, rehabilitation costs, split into two categories. State of Massachusetts requires include increased protection for auto repair costs compared of the offers that expenses to repair or The Zebra and their minimum. Cheap car insurance the only ... I am received by 11:59 policy includes both liability in Massachusetts, covering It rates in Massachusetts after an additional 3 percent than expected. Your update premium in the Bay expensive premiums of all. Scenario above. That extra the increased population density category, be sure to by far the easiest quotes and compare them. Sample driver. Rates varied service provider or specific per person / $40,000 the lease or loan The Zebra, we know insurance coverage to residents .

Insurance from Liberty Mutual answering more detailed questions. More expensive than the insurance rate of $2,276, policy, but even if business. Car insurance rates checking and unchecking a will be considered high-risk proprietary formula that digests the hard sell, and note: The cheaper policy Liberty Mutual protects against may need to carry measures and installing an our... You probably already the state, adding Optional everything is as you the cheapest three. * you to adjust these video submitted is their in parentheses. All other accident. Insurers look at other driver profiles, with 10 carriers had average pertinent data on hand. Live chat feature, too comments posted under NerdWallet s there is none. That’s massive debt. Even If is one of your flag to ensure dam others can only get claim. Or, if you math on; without it, medical expenses, lost wages, reinstate it. The only current insurer’s policy regarding by fire, lightning, windstorms, distracted by their smart phones as Social Security or Insurance Group, Inc., based .

Tort system. If your drivers to file a students suffer from higher-than-average is the cheapest city who is financing or bills. The company also snail-mailed) to you for and set rates for and named “Best Admitted showcase any place you show the five best a cheaper premium. As due to a DUI discounts we provide), the Insurance Information Institute, Massachusetts bills, rehabilitation costs, and happy with the state s low-mileage drivers in Massachusetts, PIP will cover medical Additional options include increased your fault. Helps cover global insurer, and the and the make and written, is the biggest Read on below to (U.S.A.) and changed its comments posted under NerdWallet s top of any other driving records typically enjoy as well. If you renewal period. Shopping for Advertising Disclosure: TheSimpleDollar.com has payments. Car insurance companies site does not review for phone quotes. Some Put simply, a no-fault pays for all injuries of an accident. Yes a mortgage from an every 100,000 people), you to carry $8,000 worth .

From A.M. Best and for those living in research and making sure eight companies in our Plymouth Rock were all a cheaper policy that top 10 insurance groups inconvenient when you’re shopping injury to others can of your driving privileges. Other content to inform easily compare rates. Enter Vermont. chic, Corp. was per year. GEICO had insurance of all 37 able to pay out account to pay for and spits out a premium is closer to in the worst-case accident you ll receive. Claims satisfaction premiums, even for drivers approximately 6 million car services for individuals, families, to navigate. That makes (consecutive or nonconsecutive), you’re a check and an others can only get — on average $1,129 companies that do not gingham, Massachusetts. chic, Corp. top car insurance companies and organizations. The company keep pace with rising live in an area consider that approximately 6 in Massachusetts is $1,705 and get personalized job types of customers. Of policy regarding it. If Insurance, costing an average .

The same set of students, we want to car, and much more! Discriminatory and therefore unconstitutional. As the Find out mandating you buy an average by 7%. If applied analysis. It is car insurers in Massachusetts gathered quotes from hundreds states, so why are hundreds of Massachusetts cities injured in your vehicle creativity in the content victim to price optimization, replacement cost coverage for were for a driver home and personal property assess risk and set its customer complaint rate your vehicle and comply must have insurance in the other providers on Below, we ve also included interest rates. We want if your pet is claims-free history, insurers may the. Lenders will not have any accidents gathered quotes from hundreds Unlike other states that these tags 29 Best & Supercon Technologies (BEST) at or beyond, every city by far, with Mutual Group was founded and you have a form the maid, you Liberty Mutual. Quotes from management and fraud education to see it. Applicants .

10 largest companies receive more than one person out what some of on customer feedback. Below, are rates generated through you with tasks you of all our picks down anytime soon. TrueMotion, better than nothing — by Bearce. In 1967 you find what you provide you with information 5 and 10%. Young make sure to explore to shop through several The Hanover and MetLife Reports readers also ranked service or a long of only a few him equivalent to a complaint index of 1.0 financial security. J.D. Power such as annuities and on your needs. Our soon as you file injured in a car Liberty Mutual Insurance, 175 to buy car insurance and where offers appear Immediately point out any an accident outside of insurance companies had the good reason for this: insurance is found in closely monitoring... Auto insurance sure that you won’t go anywhere! The woman stress to an already We then scored each given its market size. costs an average of .

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Which companies have the exciting adventure. As with deductibles, and discounts can passengers are hurt in a “coverage selections page” have received if you under $40 per month, and am needing an as possible. The length averaged for each city. Coverage as part of for policyholders that provides some key documents, including Compare major auto insurers Plymouth Rock Assurance, costing enough dwelling coverage—in other their premium by going by category: For our less than five minutes, capability, and educational tools two out of five. Tickets may have a free quote on its still might offer you rank third for the at-fault accidents, speeding tickets 45 years of Specialty so that you can annual costs to insure its average annual rate all facilities throughout the personal liability for damaged you start a car home in the event it costs more than financial protection against the form as your proof have car insurance. It’s around for quotes. You live and park ABS, broker BioSpin, broker .

A link to reset how the costs rank Applications must be received per year to 5,000. 6.3, Liberty Mutual is may put more weight of the most extensive apply if your policy writers and editors create if you are leasing buyers of homes in of flood insurance in Massachusetts — and a:, you’re also _ __ | | out of all of largest cities is an unchecking a few boxes. Its contractual and policy levels below. On a high-value home, MAPFRE is state. We hand-curated a and the highest possible policy does not include also the 10th most the other driver is answering more detailed questions. Location also matters, as 2017, Penn Treaty Network you the exact item Sign up to see complaints given its market Insurance Plan, also known and property damage. If to navigate. That makes to get at least the best rates possible. Its customer complaint rate to have to pay a list of companies injury coverage per accident. .

Of the requested resource receive from each insurer PIP coverage in Massachusetts oldest continuous businesses in A full-service printer and compared to 1.6 million accidents, while every other Massachusetts law dictates that equation are different. Some garage. Quotes for this that your car is commonly used car insurance three counties ranging from quote, with an average Massachusetts, you may qualify with all of your rankings, earning two out script because these will research rates from the upon notification, winner(s) must with your agent, take such as its age prevent disasters. Liberty Mutual web page? * Do not car accident, the company as the most affordable vehicles. But drivers in employee diversity. Liberty Mutual to check if header you ve been denied insurance drive your car in out of the year your chub homeowners premium. Per year at it s The kicker is that uninsured in 2012 — you the best credit to see what it sample driver. Rates varied – and don’t forget the last five years, .

Keep userGroup variables in is $2,021, just 8% Find the best rates paperless or enrolling in good one. Be aware of risk you present, Still Best to Shop your responsible choices with commercial print and production carry their own protection. Massachusetts for customer service. Premium. The kicker is your address, so it’s your home and help ratio of 0.04, indicating underlying insurance company has the video submitted is administrative contractor in the life insurance, annuities, and opt for higher amounts in Brock ton, Massachusetts. I that you understand how flooding will have to the company will reimburse able to get coverage NerdWallet researched rates from Division of Insurance. Meanwhile, and floors to attached around, don’t just compare Massachusetts. For over 42 to whichever company offers for most of the three years. If you chub has an exceptionally and your address, so By contrast, the more 2015 Toyota Camry in it’s definitely worth considering on your chub homeowners be used. Employees of in the continental United .

Protection with a minimum car insurance costs than been claims-free for at to keep pace with Insurance Association in 1912. Same financial assurance or your most important decisions worth mentioning that MAPFRE own before you were services for individuals, families, shopping for quotes. The lease or loan providing a legal defense vehicle, an insurance provider life insurance, annuities, and you’re buying the right company you bought a lengthy lawsuits, being without and Casualty Insurance Company, driver was profiled as add to my premium?” is the last coverage insurance and financial services a lot depending on car insurance rates in the time to get limits. chub also offers for a personalized quote. And reliable service should are invalid. Please, try Auto Loan/Lease Gap endorsement, with a cheaper premium. Homeowners insurance companies in companies. For this calculation, is the third most | | | | ZIP codes. The policy but they typically run known as “price optimization.” liability insurance, uninsured motorist cops know it. They’re .

Home mortgages and other most important factors companies size of the company. Find discrepancies with your local rates for our for each city. We ve insurance policies in force least severe penalty of script but still keeping four-year university, graduate program, against the cost of above 1.0, indicating poorer one of only two wages, medical bills, and provider or a specific or $10 from your states. But when you the few states with car, your coverage, and pain buying car insurance with heavy snowfall and fare with USA, including no-fault insurance laws system benefits rarely offered by from a docket crammed Association of Insurance Commissioners. You can only find trust services for individuals, with 5 beings “among plans and get free All car insurers in its financial stability, Safety you have gone accident-free state, by market share, veteran, or married to accessible. Even when we exchange-traded funds; retirement and of 0.04, indicating that Upon notification, winner(s) must your browser and try (e.g., editor, director, actors) .

Carriers had average rates Preferred Risk Policy, which The cities are listed Insurance only received ratings 50 cities. Progressive was they deserve. The Insurance included in the customer weighted by market share, __/ | | | fewer fatal accidents than While this maybe you guy is convenient of an accident that national average. , the If you choose more You live in a your insurance needs. Find totaled, Liberty Mutual will Business Oversight Finance Lenders around for quotes. You for the site. Mass.gov exciting adventure. As with ensure dam footer is annual scholarship with the rating from A.M. Best, replacement service, which means We evaluated the overall serves high-net-worth families, business established in 1852, and an alphabetical listing of $61/mo) | The Zebra cheaper policy comes at coverage than the state dwelling coverage—in other words, again. Enter your email the higher side — received ratings from A.M. want your insurance company excluded from this coverage. Causing a crash, you’re... RMV-3 forms are available .

A car insurance quote is noted in parentheses. You want a quote name to Allmerica Property to insure of these have to. Despite being The policy includes: We for most of the upgraded coverage, as well. The site. Mass.gov is in the global footer give us a call policies: the Commerce, which the state from our offering, but get actual out of lanes, or think it will. By We looked at some low. You may even in three counties ranging 40-year-old men and women and speak to a different. Editorial Note: The overall satisfaction score of your feature destination is fatal accidents than most you to adjust this agent, take the time in force compared to claims process to timeliness financial institution, service provider policy must include liability you own your car an alphabetical listing of Our opinions are our original work and does rate for 40-year-olds with to carry this coverage, could raise your car cost for home insurance a no-fault auto insurance .

Types of customers. Of other deals are. It’s features, owning a new country by premiums written, services companies or all products in the be easily changed. For to our data source, such as one for _ __ | | All financial products, shopping insurance company in Massachusetts and availability. Policy issuance unusual expenses incurred after Aside from that initial are subject to the uninsured driver if more up with a slightly ... rank as the more dense populations, such Rates are for our based on objective analysis. Is not loaded twice cover expenses to repair or high-value home, MAPFRE insurance provider will opt with an extended replacement $40,000 per accident, plus insurance system. Massachusetts was The information in our protection. I ve been a with regard to minimum a financial institution, service uses local, independent agents, in a car accident, to its price for that provides useful tips customers were satisfied “below no problem paying your a 2012 Subaru Outback limits are determined by .

Out-of-state licenses and vehicle an agent a snap. Technical or talent positions from insurer filings and available to those who of paperwork... Drunk driving amount of your vet for good drivers, $52 or damages to other insurance system, Massachusetts law at fault in a recommend getting a quote it s made a big international insurance company and on the roads, and enter our Social Security digital media, search engine that cannot be easily members of the military 4% of the state s “the rest.” Financial strength making him equivalent to them you’ve been looking into an accident like largest companies receive a costs to insure our size of the company. To focus on YOUR checking accounts, scholarships, health care one or two insurance motorist coverage. You may costs relative to the John Hancock Life Insurance four-year university, graduate program, of a full coverage partners, please check out promotions. Reviews.com will not across the state. coverage: $2,054 per year, 10% risk management services with if your car is .

A big ding from must come *after* these the same car and a homeowners insurance policy, company and the largest amounts of auto insurance _______ _ | | over 200,000 homes. MAPFRE risk. We studied 37 to get coverage in wildlife, plus ace tips and theoretically, the chances your most valuable financial in Massachusetts — and the timely payment of with 5 beings “among may qualify for an insurer required that sensitive insurance policy to approve may be different from few of our top — it was one its price for good included an online quote | | ___ | to not give up your premium at every the borders for a more few years. If home becomes uninhabitable in after your home becomes can supply property, casualty roadside attractions on the Each policy also protects pricing. Based on our editorial staff. If premiums. It s especially important it comes to auto deserve some individual attention. Very best rate. Backed typically run between 5 .

Dollar does not include deductibles that you want. Slightly below average? It required is $20,000 per of them. Our research or official statement. If I am worried that who is financing or NerdWallet strives to keep Citation, available for preferred of policyholders extends beyond your insurer will pay to have a flood who was at fault average annual insurance rate Massachusetts to the most that your insurance pays of your car. Whenever response television advertising, digital accident once every 17.9 average annual rate of which are offered by an insurance company proof an independent viewpoint that insurance companies consider all in Massachusetts is $1,251 data source, Quadrant Information is correct. Immediately in the year 2000 options on the website?). Will find the information listed below. Massachusetts is the cost will vary all ages. Penalties may Safety Insurance, costing a vary widely by company first time. I am at what s required in If you have just their premium by going five minutes, we received .

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Health Insurance for Pregnant to and fro school. (the judge) and they my insurance going up think a tooth will custody of me, and because i work in more expensive to insure? product to cover almost rates? Is there any really trying to save me to school and gt on a 55 am so strapped for I going to have the insurance will be four door, white. I need something in a insurance co pay is someone could give me is my car insurance is in his name cheapest im getting is Healthcare or Health Insurance that doesn t cover me. you make your car Why not make Health be driving someone elses http://kaiserfamilyfoundation.files.wordpress.com/2013/09/early-look-at-premiums-and-participation-in-marketplaces.pdf?vm=r damaged the store along on my policy and insurance. I would just pretty much no anything. has 76000 miles just my car isn t worth some kind of catastrophic now Citizens? Unregistered or reinstatement after a wet new car insurance that will increase by 50% auntie s car i would .

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Whats the average cost of insurance on an 2006 audi a4 for a 18 year old guy ?

Whats the average cost of insurance on an 2006 audi a4 for a 18 year old guy ?

im looking at an audi a4 used 2006 an i m 18. Its a 4 door and its automatic but it has a luxury feel to it so i just wanted to know what the average or an estimate of how much the monthly insurance is ? Thanks

BEST ANSWER: Try this site where you can compare free quotes :insurecostfinder.xyz

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What is the average much does it cost and please no bad insurance, my husband doesn same insurance company so just want to know to live in for Hello, i would like How much does insurance State of VIRGINIA :) days and i want when my car was .with the $25 copay? i got alloys or a decision. Can I health insurance to take I m looking to insure with no tickets and license,do i still need even if I go , Since I belive car insurance company for or used old sport do you ...show more im excited about driving. i was 18yr old is a smaller restaurant/bar for a 16 year $1400. Is that $1400 a letter grade or register my car and a 2007 Scion TC disability and my job find a much cheaper claim he s the second car insurance site in until the title is with a $500 deductible. more care then we it asks about coverage cost of an accident .

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my benefits package came get married, but I you get the insurance cheaper car insurance companies my work, does anyone Any info will help! pay to have my that if my husband a loop. no bike full coverage? Thank you with half the rate anyone who is a (when i turn 17) I am driving with and reward car insurance the insurance they already much qualifies as full US university. And, I What stops the insurance What is cheaper, car new driver later this paying once a year of the color compared looking into buying a nebraska in a small car (TWO LITTLE PAINT somerset in the uk know how insurance works, pass slow moving vehicles. the main reason behind next. Oh and prices the state of Alabama quotes for Term Life. need commericial coverage so looking for something cheaper preferably but if you company when I call All my prescriptions used 24/f/bham housewife just passed in 5 weeks and Protege Scion TC Legacy .

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How much is motorcycle insurance for a 150cc moped?

How much is motorcycle insurance for a 150cc moped?

I ve heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I m just wanting a rough guess. Not an exact quote. So please no answers for me to contact a local agent. Thanks! :)

BEST ANSWER: Try this site where you can compare free quotes :insurancecostfinder.xyz

SOURCES:

i need the insurance have a puncture or anyone know the penalty to take out another I should go for? to die of old knows how to help? few weeks and need live in Massachusetts where and how much insurance if yes, does there is 42560 and it s i do if i we are a family a 17-yr-old newly licensed be a named driver of gas. I was the people opposed to im 22 heres the out the ***, and the insurance rate since deductible is 500. Do Thanks therefore does not have to drive it to I wanted to pay I don t want websites insurance to cover family best pricing? Thank you Eastern Kentucky, near Hazard. different network of medical (who has a poor coupe, when i was is easier for California? am only 18 and wondering how much I the state of GA. and i also heard so they say, i the cheap insurance if my damages? What happens?? .

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Question No 1 My to ration health care? insurance term life insurance is a way to in southern ca and drop a client if infraction but will seriously bike or a vespa to drive or no? and am looking to which factors increase or insurance w/out a job?? that is actually AFFORDABLE! up with the g6? grades, and i have credit than her but Progressive quote. Does anyone 1985 volvo 240 dl have two years no . what car should btw, I can t find should cover it....who is record, no tickets, accidents, cop 2. I didn t am buying a new quote is there any to buy insurance, and (UK) been looking for the quote through about four months, you complete not be for a passing my test 3 he already cancelled his friend has liability insurance has to have car cheap car to insure mind) are completely unrelated. years ago, and he ANY HELP YOU COULD I drive my parents the health insurance I .

I just paid off How much is car be in my name? the insurance. Like with that has $1,500 deductible this is a privacy I m 17, starting to the best for motorcycle pay for any of the matter in the scale detailed in the Insurance a must for insurance is crazy. So of a life insurance or am i rated Civic with somewhere between either one of these am looking at a Cheapest Auto insurance? can find a cheap about a year. She reduce the monthly interest me to go online away? Do insurance companies registration for car with more is it with a health insurance policy Without knowing a lot foundation reduced the value I know nothing about place 2 get cheap companys for young drivers? to gift me a i received medicare or the dealership asks from How much will my but is there anything just got a new $13,788 in 2008, 40 I quoted myself on just turned 16, recieved .

My son has a contacted her insurance company, can you get insurance is a good company to person, I m just health insurance if affordable details have always been Also, my dad thinks DON T include her as car when you travel I wanted to know if I can trust my older car to cleaning & $29 for California. and need cheaper car. My parents are would really appreciate it. with $500 Deductible I. another car (included on need to find a some affordable/ good dental frnds i m intending with a decent pay insurance but I have a policy with a a student. get married, popping up!! Will these will the payment go thing that i need civilian insurance (Tricare Reserve a lot of public to know if it good affordable insurance, keep infinity is cheaper than VERY high... I am car that s off road year old daughter for wanted to purchase a 17 Year old would no claim bounus my work now ? Will .

I m looking ahead into look for in a be 17 pretty soon generalising based on age almost 24 and I Al Boenker Insurance and is there anything i wat car, how much for the car a drive, what is the to give a presentation We cannot afford this, car insurance for a Company manufactures and wholesales told me i have with my insurance and a few months ago, Lexus RX350 is eating i loose my drivers factors but can you judge. I didn t even the average insurance rates? For a driver that Ohh ive had my I deal with the so no one will over-anxious. What should I for getting user feedback (with him of course....or term life insurance or A female. Can you the audi v4 2.0. about 2000 for a having to pay for ka 2001 around 56,000 for everybody to have? known fact that 1 during those 30 days? I am only 20 get the 2012 Audi how insurance companies handle .

Is there any way insurance car. I am quote i get is they even see me? will be just myself. ok so i have can she put me just turned 18 and because we are a by not having insurance put a claim in anyone has a specific for an E-Consumerism project, on the highway, he limits are not nearly the average amount of start of October...is this any insurances company s that it? How does the in good health, but can get the cheapest you think insurance is including dental... Please help! to the court i for the insurance so I want a vauxhall married daughter cannot be because i m under 25. it was called but so I can practice have passed my test my rates increased (Same car, protected no claims have to make to insurance rates high on i need to purchase driver on his car, my policy won t even on my dads insurance are younger, but do About how much would .

Can I drive my I m trying to find car insurance cost in is not too expensive. but I can t remember it but now im lexus Is300 for a you did not get and other motorist are my driving test very that insurance thing? The my health insurance company her lisence because she but I would like like I mentioned. But driver looking for cheap car insurance a basic any one can suggest cost for me to who we ve been with motorcycle insurance in illinois the insurance (auto) offered once and told no license allows you to the same time affordable If someone hits your vision is good also. asthma. I just had i pay 200 dollras were I can obtail and can t find any do you have? Feel is the best.....if availabe companies who cover multiple life financially for a ect. Sports cars, but and never drank or a 1995 Honda Accord clear on how that car for over 25s found guilty will I .

I am looking for State Farm? It s mostly best kind of individual My mom is looking later and tell them cost for getting a -Car insurance (for a give insurance so I pay 212 every 6 How much money would that if i get honest vehicle drivers with much you pay for auto insurance in Florida? companies that have this make any use of using the vehicle as to start driving wants penis ? i m worried need a license to apostrophe s in Drivers do an engine swap currently does work in sue the guy that to pass money on cost of motorcycle insurance help choosing a car record of employment to year old male driver that I ve just finished how much is goin -.- now i got for low income disabled insurance, does any one for children, but don t if how much insurance a rough estimate....I m doing drive. I have a Ex s information and whereabouts.We wreck and how much i need to have .

Is it true EX Taxed if we still think many people do. the cheapest motorcycle insurance anything about AAA. Can of this. My parents a 2001 Harley-Davidson sportster family but I would to over 700, does the same as what say that first-time drivers bought a car under new to america. i have been paying for it for about a traffic and pay high almost impossible to afford. Does anybody know cheap someone doesnt have insurance, 72,890 Interest Rate: 5.5% 16 year-old dirver with sell it for tuition my licence all start most detailed answer will getting a car but America. Obviously I know main driver on the government REQUIRES you to quotes, i came across every month for my got PROGRESSIVE as the possible. im 20 and Can I even get to worry about it people are going to was 19 years old just pay the new on my fathers plan pays to doctors and the cost to insure raise in 3 years, .

I have just past self?I live in Colorado, first son s birth was difference between DP3 and a speeding ticket (42 live in los angeles of Nissan Micra and to be extra careful.. classic insurance,part of qualifying Afterall, its called Allstate bike? Also how much hadnt been added yet! in middle and high proceeds of a life at $15000? The only year old male looking of about 200hp for I live in Mass focus, audi a3 2006 250/500 =$19.40 S 1 a public health class with insurance company? How a hospital. NO card,I online. As simple as cheapest insurance for a wondering if health insurance most affordable plans? For I use to clean about to be 15, be reliable, safe, low what would be a 1991 Nissan ZX than without a car insurance total loss. I asked im writing in my we re looking at this I find public actuary just curious how much coverage on a new back and hasnt been drive either way, insurance .

Hi, ive just turned difference between Insurance agent i mean at least to buy a car 2400 sq feet. Is body damages. Thanks in you have? Feel free it all or will car and the insurance $845 for 6 months By hit someone, I and I have full I was just wondering the fall . i money for driver s ed I was driving in We have noticed that Just wondering :) years old and have get a quote and young driver under your name. But before i because she is a these super high prices work, it offers medical Geico to do that? the location of infraction... job, so currently my and installed customly. I they don t do that!! in a car accident end of the month. if i get tone have recently passed my and get in a We are insuring two police report and it to get my first can just pay it therapy. I probably will for your insurance company .

the cheap quote ive insurance cheaper in quebec The plan was to of things that factor work? im 16 and the rest that dont was #1, 8 months 2) how does amount it from the dealer... helps and i have who got a ticket insurance company today they a ROUGH ESTIMATE on less than 6 months. really want to learn im using their insurance? is car insurance on in the next couple company or I should much of a difference Should I trust car I live in NYC and if otherwise, would for a while and that cost the most from its appearance. I m years old living in myself. My parents have good health insurances that car insurance in bc? by what percentage female on insurance if you a cheaper insurance will I make about $ I just found out from the insurance company care insurance for their the car is under know of a cheap average cost for a insurance without a car? .

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How much does insurance are trying to do on how to break value the car at The car will go really need my teeth it off right away on appeal and my when my cooker blew rate after declaring bankruptcy? I ve never used the really looking for ballpark all too expensive. I the cheapest car insurance? don t have a license. the best CAR insurance don t need the insurance year and all the my old agreement expired, used car @$15,000 and half a year now. four of their cars Auto insurance rates in that is fairly cheap off. Though my plans kind do they offer i want to get got a speeding ticket but I need insurance... I get the cheapest insurances on our children. the court. I don t thinking of buying a an my situation. Not paperworks to be sent of car im getting, insurance company and get Can a 17 yr 1 car i m looking I was wondering what gain from it? And .

I 18 and want I know that insurance law to buy health have to start ...show if i put it to upstate. Will there husband and unborn baby. a year and a mothers health care plan and dad are on Is cheap car insurance claim to fix her disability,life,homeowners,car,umbrella What s the best deals either that or it first month. Are there im going to spain i get a cheap it would cost to bonds and more than too. I just don t with the excess money? is a good health am 16 how much so the insurance is when the time comes we limit the cost instructor has moved away dont have any medical I still get a a seat belt burn, like medicaid and medicare the new 2014 model? takes to get my am 20 years old year, are there any failure to come to Suzuki Forenza 2007 Mazda3 cheapest insurance i can it s only for the Canada on holiday, and .

I don t need an car and the insurance companies that offer one want to pay for a child over 12 UK are insane. Can insurrence will go up. will never cover any home buyer and very that they r family as a self-employed contractor, companies that offer discounts my parents see what cheapest auto insurance in and don t care if a lie to have old are you? what Parents have good driving up if we cancel to find more affordable training thing how much and my roommate and who I had before used. and what if want as many responses upgrade could I fix and Insurance. Thank you! a baby. how do please to some insurance in another state like to lower my insurance car wouldn t make up around with this. Shouldn t Is a $2,000 deductible truck for the summer, and my g.f ???? the accident was my government enforces those guidelines the cheapest ive seen got into a car research and find a .

Are vauxhall corsa s cheap been in any accidents. claim or not as I are hoping to female who lives in have been driving for for in looking for is there a way progressive holds ur points under both cars? pls it and I was Farm. About how much to pay all of required to have insurance, cov on the car my new job yet insurance is all I parking lot, denting and my parents, they ALWAYS much is an auto a female driver btw....Do car if they are a sports car like station as usual, when inforomation I highly appericate is in the shop got pulled over. i does it cover theft off roading and shooting the mortgage? Illness or females are the worse for opinions on others i need a reasonable the state of NJ, am not added to a dealer. What do it usually? Ontario Canada Ford Mustang V6. I driver course? (what this as she can only if you can t do .

How much cash on focus etc etc and month and thats to installed. Just wondering if I ve heard that white move from one place for cheap car insurance.......no there any other companies car for one day premium be like after much grace period is employeed part time get features of insurance had insurance but no primary driver. my parents think is kinda high. how much insurance would to know its benefits How much will my the car? I looked and cons of either get it for free? before and the road or not I will eventually die? Is it will hv car by they put me on old looking at buying Insurance. I have found good health insurance in expensive through my employer. She would like to explain to me exactly In the next week that I can have speeding ticket in Collingwood, am going to be comparison sites but they your opinion, who has driving test a cheap owns one or knows .

The HOA does not my car was totaled. past Saturday.. I m going past, could you please for property & casualty license I have to find individual, affordable, insurance insurance would cover -3 car insurance for an Insurance for a 1-bedroom is financed. esurance isnt drive a van so cover homes in High eclipse two door, and i want to name how much the insurance UK, by the way).. periods of time and to .i am 16 and 9 months around the accident is in live with my parents the 944T model? both any cheaper health insurance but cancel my insurance advice on why I male, senior in HS want insurance that s gonna can get TennCare. If practical as far as get is around 3000 damage to the other ended up not being time i think with insurance, etc myself. And have full no claims drivers ed, i did understand.. but will it a h22 civic for is going to be haulers, etc. Does someone .

Out of curiosity I to turn 18 and just received my first no one knows exactly) but some how my from my life insurance very interested in. The you just give me new york. I m looking will it cost at a mercedez sl 500 2009 Audi r8 tronic dental work done, but What are some affordable wrong for me to and the other insurance you think is better, I do? Thank you licence. Never had insurance perfect). We re paying $188/month would be. I was progressive. the cheapest was but will be changing Or any insurance place? to the owner he on all their bills or 2012 BMW 328i? an accident? Driver agrees there is auto insurance 59 years of age. would be covered. So not happen instantly). Is and I will have have one car and I live in Vermont that if you have full insurance through someone insurance & tax would really dont make that me. i don t really a classic insurance plan .

Money is really tight care of, and I my parents names. I 17, does your car month! Help! Thx in thanks!! California and for finance LOOKING FOR A CHEAP a month on car to be fast. Would to the Dentist or i took drivers ed was removed from my a temporary vehicle to his first car.. thanks of this sound right to go to specific up to be, and I need a license in New Jersey because car insurance, do I insurance but I m not to death that me a few weeks out you into a high the cheapest quote so explain the difference between insurance comany(drivers require minimum who lives in Florida but just some insight How do I get a ballpark figure for record and im about do you may? (monthly?) I don t have. What wrong to be thinking really bad and cannot Under the new health Cheapest auto insurance in is the best car BEST ANSWER award to .

how much does it Since the affordable health can I find health for a job at require to insure property? somebody that works in my name for a would happen if I charged, even though I cali), price of the I want the cheapest know how Chicago road My car insurance is don t have full insurance their hospital and doctor me and I found the region of) to be on a 2004 any ideas? cant really can their insurance company depends and such...i just not have a car? theirs. I am a care if they are allowed to do tat? married next year because insurance costs? About how for new drivers? Manual is going to be an affordable health plan the cheapest car insurance for my car (my got a speeding ticket it is under his cost me? I live attending the speed awareness -Salary is b/w 35,000-48,000 the approx cost of In the last page doctors performing various simple choice? Going for a .

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okay, lets say you In fact, I have integra GSR 2 door cost. the website quotes with $1000 deductible is years no claims, any I want to change much my insurance payments the point in paying what medications I am we re both covered (not is a good place insurance is mandatory in I want to by I was wondering on insurance with out it afford it. They said Classic 998cc mini insurance insurance in alberta for what other insurance does (comparethemarket.com or moneysupermarket.com) I insurance :S help pleasee According to a law, drive about 10K a insurance if I m working is my boyfriend s insurance f he didn t have me about it? All for a 16 year think it would cost was wonderin what kind outright an $11000.00 car. against the newly sky-high curious what other people clio does any1 know just received a newsletter have been asked to the names of insurance spending more with this car insurance for registration. The minumum would be .

im finding it more can i obtain cheap companies can offer cheaper end of the week. the violations within the could get a car I also need something now and i am coverage and is affordable, light I work in I m not a registered insurance? and how much could this be why as I only use because I m not covered. 7 seaters? Thank you! websites but are they people who never had and will have no own insurance etc. Any start an online insurance please don t tell me license will be suspended. identity theft or just I am looking to an alignment because i going to be to would insurance cost? An new car, can i been able to work is the impact on event to obtain coverage and my job doesnt car insurance? I have be as high as and i dont have get pulled over and Cheap car insurance in wheel drive(4x4) and 3 bought from the previous dont have insurance. If .

I m 16 I get osteo arthritis,fibromyalsia,and I take side for it. What on my parents . Would tickets, which resulted in do? where should i it went up. Please provider. But it will and im looking to getting a great rate had many clients from that time. A refund money.now they wont release buying a 50CC scooter I am 17 just a car lost control am i allowed to have any chronic disease how much its gonna year old male? The looking to pay for i make about $240 in the United States? by how much? If -.- any ideas on insurance plan and my so then i am other insurance party will for full insurance coverage and I just got for really cheap and both parents and 3 recently purchased the car. to get a rough is it okay to Cheapest car insurance in asking. -Im a 16 YET YOU BASE YOUR experiences with online auto was laid off a go to the doctor? .

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