#and mine atm is his great-grandmother

[rat-pagi]

-- LEGACY --

There's so many people in Qymaen's story that we get to see so little of--a story, a passing glance, an object hastily passed on before time swallows it whole. Is this how they are in Qymaen's mind too? Death, after all, takes too many far too soon on Kalee. How much does he remember of his father, besides hands, larger and rougher than his own easing his fingers onto the trigger an Outlander rifle? Of his mother--no, a mother is not spoken of; we cannot say for certain that was someone he knew. And then there is Outlander itself, left by a great-grandmother decades gone, who had used it to defend a Republic that did not care whether she lived or died. Did her story outlast her? Did it tell Qymaen, even before he was old enough to know politics and war, that those who ruled from the Core could not be trusted? Or did it too, ebb until all that remained was her weapon, and the fleeting sense, that whenever Qymaen raised it, there was someone there beside him, steadying him with scarred yet gentle hands, and whispering in his ear that he is greater than what the world makes of him.

[kazetsukinu-archived]

RULES - please take the time to read them. Thank you :)

Hi there! My name is Zee and you can also find me on:

Hisui  @slaheir   &&   Ami Mizuno  @mercurami   &&  Nephrite   @nephriteus

FOLLOWING.  I reserve the right to follow / unfollow as I see fit. Sometimes I just can’t find my muse or can’t think of anything to roleplay so please don’t be disheartened if I don’t follow back or unfollow. I just like to keep my dash less cluttered. CANON DIVERGENCE. This is really my own idea I had for an Inuyasha OC son of Kagura and Sesshomaru. So it will diverge from the canon found in Inuyasha and Yashahime series in some ways. I’m really excited to write and explore his character so, thanks for being interested in rping with me. RESPECT.  I don’t have time for drama so please just be nice and treat everyone how they want to be treated. If you ever are feeling something don’t be afraid to reach out and message me either??? I’m shy sometimes and somewhat socially awkward but I will always be comfortable talking and figuring something out or apologizing if I’ve done something wrong to offend you. ACTIVITY. I’m 22 years old studying full time in online classes currently so any high or low activity will be based around my availability for assignments and exams.   SHIPPING.  Feel free to reach out and plot things with me. I’ve never written an original character before so, of course whether it’s familial relationship, platonic, a friendship, or romantic I would love to plot with you.  

VERSES. I currently have two verses ongoing on this blog atm. 

OF THE WIND AND MOON - Mizuki and his sister Kazane @kazenii are looking for their father Lord Sesshomaru after the events of Inuyasha: Final Act and Naraku killed their mother. Travelling together across many lands until they finally , find their way to his side. Before his sister ,  Mizuki was alone for the first few years of his life. Now that he’s found her , he’ll never let go of her hand.

MAY THE WIND BRING YOU LOVE - A plotted modern verse with @puppet-slayer , @amethyst-noroi and @slayerled in which Mizuki is the sole son of Lord Sesshomaru Daiyosuke and the late Lady Kagura Fujin. Since his mother’s death , Mizuki’s relationship with his father became a bit more distant and cold. There was an incident , attending private school in which his relationship with another boy was discovered and he brought “great shame” to his grandmother. Transferring to public school for the remainder of his high school years, he met a boy in his class named Kohaku Yurino that he became friends with. Kohaku always saw he would miss a bit of school occasionally for work but didn’t really get to know Mizuki until their final year together. Seeing the boy waiting in the rain for his driver outside a convenience store he waited with him and offered him his umbrella. Mizuki thanked him with a ride back home and Kohaku asked him suddenly if he would like to move in with him. Mizuki smiled and said yes and they moved in together just before graduation. While they both went to school and worked, it became more apparent to them both over time that they had feelings for one another and eventually confessed and started dating. Much later down the line, they eventually married and adopted a daughter together. Mizuki became a fashion designer and painter. Kohaku a photographer. Mizuki became best friends with his roommate and later boyfriend’s sister sango and later realized the yoga classes he took were that of her boyfriend, Miroku’s.

HEADCANONS. As stated previously this blog is canon divergent and headcanon based original character.  Most of them will be based around my interpretation of Mizuki’s character. 

FACECLAIM. My icons and edits are from the online manga series Your Smile is Trap on webtoon. The only thing I have done is add Sesshomaru’s marks to Mizuki’s face. None of the source material is mine and please go read the series and support the artist. 

[garreaus-a]

hi, everyone ! it’s jessie again. i couldn’t help myself, ok ? i had to bring in my Chaotic Good, espionage-elite, French son samuel ... i hope u like him :’). he’s a character i’ve had awhile from a previous rpg / my indie ( aka the Archive ) so i adjusted his backstory a lil’ to fit here. again, please hmu on discord if you’d like to plot !! <3

⌠ BEN BARNES, 36, CISMALE, HE/HIM ⌡ welcome back to gallagher academy, SAMUEL GARREAU ! originally hailing from BLACKTHORNE, this alum specializes in THREAT ELIMINATION. when i see them walking around in the halls, i usually see a flash of ( complacent smirks paired with attentive eyes; the aroma of expensive, but fresh cologne; the decision to just “wing it”; a cigarette between lips ).  it’s the ( leo )’s birthday on 08/14/1983, and when they were still in school their most requested dish was BOUILLABAISSE from the school’s chefs. hopefully their presence can help ease the minds of gallagher students.

𝙷𝙸𝚂 𝙱𝙰𝙲𝙺𝚂𝚃𝙾𝚁𝚈.

in the late 1970s-80s, there were a string of infamous art robberies and trafficking occurring around france, which linked to notorious art thieves from both france and america. french-american cia agent matthieu garreau was assigned to assist the central directorate of the judicial police and the dgse in their investigation. french art curator adeyln legrand ( her fam is Old Money rich bc they own museums across the country ) was involved in the case as well, helping the agencies identify the stolen art pieces and their worth. as soon as matthieu laid eyes on her, it was love at first sight !

samuel elias garreau was born in paris, france — just before matthieu was sent back to washington d.c. he was raised by his mother and maternal grandparents ( who lived in marseille ) for most of his childhood. his childhood was filled with love, art, linguistics & french cuisine. he became a polyglot at a very young age, knowing how to speak french, english and spanish fluently. his father visited his wife and son as much as he could in france, but eventually, the two moved to washington d.c. when samuel was 10-years-old. 

a bit of context on the garreau family: the garreau family name has been involved in espionage for a VERY long time. lineages stem back to being loyal spies for the french monarchy for many generations before the surviving garreaus immigrated to america to escape WWII. many relatives eventually returned to france, but samuel’s paternal great-grandparents decided to continue to raise their children in the united states & establish connections with american intelligence agencies. 

immediately, matthieu wanted to begin espionage training ( already samuel was a couple years behind in hand-to-hand combat / weaponry training, so he’s eager ). adelyn was a bit Conflicted but ... lil’ energetic, happy-go-lucky samuel was ECSTATIC !! what better way to bond with your father, am i right ??

those 4 years before spy prep high school was full of father-son bonding, grueling combat training, & survival skill training. but, samuel was also a normal, private elementary / middle school student in washington d.c. it was a lot of pressure — juggling school, his blossoming social life, and keeping the whole “ i’m training to become a spy ” thing a secret bc sam CANNOT stop talking

before samuel busted at the seams, he was sent off to a prestigious spy prep school on the east coast to truly hone his skills and begin to identify what he may excel at as a spy; however, sam didn’t take it seriously ... like at ALL. it was mostly because he was so bored — he needed something stimulating / challenging. often samuel was being a Sneaky jerk, pulling pranks & being a kleptomaniac; however, his grades showed the opposite of his delinquent behavior. he was excelling in all of his classes.

the garreaus did not know what to do with samuel. literally, they had a whole damn family meeting about where he’s headed in his spy career bc there’s NO WAY any spy university would be willing to take him. the plan would be to utilize their connections in france and get him enrolled in an academy there until ...

blackthorne academy showed up outta nowhere and was like “ hey, we’ll whip his ass into shape. give him to us. ” the garreaus were reluctant due to the academy’s reputation and suspicious as to HOW blackthorne caught wind of their samuel; however, maybe this is what he needed. the most against this was his mother, but her voice held no authority. 

samuel was in for a RUDE awakening at blackthorne. maybe it was for the better ? he majored in THREAT ELIMINATION + LINGUISTICS, CULTURE, & ASSIMILATION ( whatever was blackthorne’s version of those were ). 

his first year there practically BROKE him, but by his sophomore year, his flaws became refined skills. somehow, his extrovert / devil-may-care and shrewd personality still shined amongst his callous and/or sadistic peers. 

the codename HERMES seemed to be used by his instructors sometimes to “ make fun ” of samuel, the label representing his ability to outwit his peers, mischievous and intrepid nature, proficient adaptability, and most importantly, he mastered the art of infiltration & extraction — just as the god of thieves would ( the ONLY time he’s the quietest compared to his peers tbh ) u know ... also stole lives too ... i know that’s cheesy SHHH

of course ... we all know the whole deal about blackthorne. he was molded into the perfect assassin, not a sophisticated spy that could have a drink with james bond or ... with his prestigious, royal spy family. 

throughout his many years of fieldwork across the globe, samuel was many things for both private clients and espionage / government agencies ( mostly doing a lot of infiltration / extraction & surveillance undercover missions ), even sometimes an actual thief for the right price. 

however, despite samuel’s slight identity crisis, he earned quite the name for himself in the espionage world and solidified himself as a reliable secret agent. but he’s still a pain in the butt :-P

during blackthorne’s last years, samuel often was asked to come by as a guest instructor, a desperate attempt to liven things back up to relive its better days. despite the absolute DEMONS his students were being, it surprised him that he actually enjoyed teaching. 

so, he was a bit shocked ( and ecstatic ) to hear that gallagher requested HIM out of the many blackthorne alumni to be a part of the faculty, let alone the threat elimination instructor. who would be a better teacher to teach future spy how to take down an assassin than an ACTUAL assassin ( and one who made quite a Reputation at blackthorne for outsmarting his upperclassmen and instructors ) ?

𝙷𝙸𝚂 𝙿𝙴𝚁𝚂𝙾𝙽𝙰𝙻𝙸𝚃𝚈.

tbh, samuel is the epitome of ¯\_(ツ)_/¯ 

he lives for the adrenaline rush; he will go out of his way and even risk his life sometimes to make missions more exciting ... but obviously, with a little planning beforehand to make sure missions are completed successfully

sam surprisingly is cooperative ( even if he really wants to do the opposite, he’d listen unless his quick-wit is essential for the situation ). his many years of experiences have made him realize how important intel and medical agents are to missions. he has a lot of respect for his fellow agents and students who aren’t concentrating their studies in the more physical combative majors

samuel likes being a nuisance. he’s quite devious and gets away with it a lot LMAO

he’s such a thespian it’s Unreal ... he’s so dramatic. but, this makes him excel at undercover missions bc this man enjoys acting way too much

samuel LOVES his students and it really cracks him up because if blackthorne student sam heard he’d be a mentor in the future, he’d laugh in your face

aka he’s the Cool Teacher at gallagher ok :’)

𝙷𝙸𝚂 𝙳𝙾𝚂𝚂𝙸𝙴𝚁 / 𝙵𝚄𝙽 𝙵𝙰𝙲𝚃𝚂.

he still has the slightest french accent when he speaks, mostly to latch on to a remaining attachment he has to his mother and previous “ normal life ”

an excellent cook ... obviously he enjoys cooking french cuisine the most 

he also is an avid art enthusiast and also loves fashion and architecture. he spends the majority of his salary on designer clothes and art pieces

if the faculty have to become normal professors, samuel is definitely up for teaching anything world history related !!

randomly knows a lot of natural history trivia thanks to his maternal grandmother, who was a botanist

the languages samuel currently knows is: french, english, spanish, italian, russian, german, arabic, japanese, and chinese ( mandarin & cantonese )

and that’s it !! im exhuasted and i can’t think of any wcs atm so pls if u guys have anything in mine PLEASE let me know :’)

[thcbcys]

Time to talk about my year and some people I’ve met / Been around a lot in 2018.

Alright, So I started 2018 off in the South park fandom, as I did in 2017 as well. It was fine until Drama started rolling in and I started openly talking about my problems. I got ignored a lot and Had to have some of my actual BFF’s calm me down at times. It had been a shitty few months in this year, Most of the people I use to talk to stopped talking to me, Blocked me or have deactivated and lost contact with. But There’s good some good memories in there, I met a few people I called my family and I love them dearly, I met my lovely girlfriend...and Ex girlfriend this year as well. 

School sucked, I moved a lot and well I still don’t have any real life friends besides my cousin and best friend who I rarely see because She’s gone off to CEGEP / University ATM. I got bullied again and got called names a lot, I’ve gotten comments about my looks and my problems and How I always looked so depressed and down all the time. I guess that was because I was having a shitty time...I mean, I had been moving around a lot, I moved schools 4-5 times in the past 2 years and honestly I was just getting tired of being stabbed in the back by people. So This was the year I started cutting myself, Crying myself to sleep, being more quiet about being sad and triggers started affecting me even more then they use to. My family was being a bitch, My mother was making me her slave while she was on crutches, my dad and I fought, I wanted to move in with my grandmother, I wanted to run away a few times as well. 

Good things that came out of this year actually was I started learning a lot about myself, Like Gender issues and Sexuality. I learned that I really liked girls A LOT. I figured out my art style and kept developing on it. I joined a fandom I was accepted in, Made some really great and beautiful people and Got myself a lovely girlfriend that I love so much. I moved back to my old down as well. I’m going to be graduating this year as well...So yeah. 

Now Ig’s Its time to talk about some of the people I met and Loved this year a lot??

@stcrmclcud: My best friend, Holy fuck man. Abi’s always there for me and Just knows how to make me smile all the time. She’s a beautiful being that just wow...That’s been my friend for almost 2-3 years now? Like fuck, That’s the longest I’ve ever had a friend for man. This girl here, I would fucking die for her if she asked me to, I wouldn’t even hesitate. Just I’m gonna love Abi until she gets sick of me, Because holy fuck man,,,, Just wow. ily bitch, I ain’t ever gonna stop loving you bitch

@homeonethewastes: !! Darkness holy shit, You are the one and only true fucking friend to have,,, Like FUCK. This man here stayed up with me one whole night a few times because I was feeling suicidal and just crying a lot. He calmed me down once others went to be and just wow. This is the truest friend you could ever have. He’s a big sweetie who needs to learn that he isn’t ugly at all! He needs to fucking remember that I love him sm because GODDDDDD I would die for him too, Like shoot me for him, Pls just let me die for you. Our chats / shitposts are great and I love when we talk and shitpost, I jst love talking with you man. You and Abi are like the main reasons I haven’t left the internet RPC community. 

@kahlvin-cycle: This man right here, This is a man I love. Fucking ALEKS, I love a man named Aleks so much like holy fucking shit. We started out in the middle of this year fucking shit posting, That was our first fucking interaction together ;; Door knob Dick Donovan. And then boom, We became friends after that jewbfew. Listen okay, Aleks is a big fucking sweetie and I love him with my whole heart, He’s another reason Why I haven’t left the Internet as well. His writing is amazing, His art makes me NUT, Just w o w. You need to learn to love yourself or else I’m gonna kick your ass. Another lovely man I would Die for as well. Just /Murder me for him/

@whitetrashugly: SUNI, My big brother,, This boy here holy fucking tiddys. I love him sm, Like??? You don’t understand???? He’s a big fucking sweetie, Has tired and probably still will try and fight someone for me. He’s helped me out so much threw the years, I’ve known him since I started in the South park community, And I will continue to be in contact with him because oof <3 Why wouldn’t I? Bitch ily sm

@creekbrat: LYALL YOU LOVELY PIECE OF CAKE. Guys, this human right here, ya this is a good person and I love them so fucking much. Lyall is a big fucking sweetie and just wow, A fucking joy to be around, Their art is great, I love their selfies as well just ooffff <3 I honestly count Lyall as a good friend of mine, Even if we don’t talk as much as I want to ;y;

@marjorinetenorman: Nyx, My lovely girlfriend. Oof I love you so fucking much, Like holy crap. You’re so beautiful and lovely and I just wanna hug and kiss you all the time. Like, I don’t get why some people don’t like you, Their clearly weird honestly. I don’t see what they see, you are a fucking joy to be around, the conversations we have together are fucking sweet and just wow. I’m so fucking happy to have you as my S/O and I just wish we continue for a long while. <3

@violetreflectixn: Rattie,, omg okay so like.....I started off being so scared to talk to you. And then you brought up that you were into Btd,,, and then I started talking to you ;y; I was a nervous bean. You were there for me when the shit went down in the BTD fandom, you were there for me when I felt like shit. Like wow, You really didn’t need to do that ;y; but you did and I’m like super thankful that you did <3 I’m like super glad to have met you! 

@youbxstards: KITTY, You big fucking sweetie!! Aaaa!! This here, This is the best fucking person you could ever meet. She’s always there for you, she helps you when your down, She’s a big joy to be around, Like holy fuck. She’s like a big sister to me, A mom as well. She watched over me for a while and I was so thankful that she did. ;y; I believe I was the reason she came into the south park fandom,, So that’s a thing,, I encouraged her to make a Kyle blog after we were talking about it on another one of her old blogs. 

@dcvotiion: mmm Jeremy, This big fucking bean. This big lovely fucking bean. I was so terrified to talk with you?? Like?? I was just so fucking nervous. And then I started talking with rattie and then met you and just oof. You were there for me too when I was getting harassed ;y; I’m so fucking happy about that like,, wow,, you didn’t need to do that ether but you did. You’re a big sweetie and ily so much. We have some pretty interesting conversations too wefhbjewbh even if they get weird at times. 

@nathanthesoldierboy: Nat,,, Just,,,,omfg<3 This boy here, Ya I fucking love his to pieces. Like, Hes a huge fucking sweetie pants and I wish he would let me help him and make him feel better Like,,, Pls I wish to make you happy, let me do this as a friend. His character is just wow, Himself is just WOW. I love you sm like?? Even if we’ve been mutuals for what? 2-3 months now? idfc, I love you man. I just wanna talk with you a lot more tho ;y; pwease senpai. 

@mayhemandmonsters: Code, You are a fucking lovable potato and I love you,, Like FUCK. You’re so sweet?? and kind?? and Loving and I just?? Can i get some of that. I’m still a nervous wreck to talk to you ;y; But I manage to at least have a conversation in the sever with you from time to time. :”) I just wish to conjure the balls to have a full on conversation on day.

@how-to-train-your-slytherin: Chase love sweetie, doll. I love you. You’re so fucking adorable and kind and I just scream?? Because wow, How can someone be so fucking cute. You’re such a joy, Like holy god, I seem to laugh a lot with the stuff you say and the interactions you have with Kenny. Just ;y; omg I love you,,,

@kill-me-again-im-still-conscious:  Toshire.. I’ve talked to you for what? A few weeks now, I don’t fucking care. I still love you and if anything happens to you I’m killing everyone In the room and then myself. You are a fucking doll and just wow, ily. We need to talk more, We must conversation a bit and help me be a human being. 

[karelysse]

okokok follow-up to arranged marriage au! keeping this ‘intro’ short because this ask is going to be long enough w/o me adding to it. note: i’m breaking it up into parts + this is all still a very rough draft + loved your previous thoughts, hope this follow-up is enjoyable.

part i: setting

i’m so bad at establishing settings. by far my least favourite part of world building (if you have suggestions, i’d love to hear ‘em!). but to give you a sense of the vibe we’re going for, let’s say that globally, huge swaths of land are just uninhabitable now. places devastated by droughts, intense flooding, infertile land, nuclear waste and radiation etc etc. this has given rise to mega cities, places so crowded that people in the lower districts regularly get trampled among the rush of people going about their day. let’s say something like… 75% of humanity is spread between ten cities across three continents. it’s rough, but the other choice is to try and venture out into the sprawling wilderness. of course there’s a lot of social/structural issues that come with cramming so many people into such a limited space, and that’s partly what has given rise to the rigid social hierarchy the world is seeing

for an idea of what the cities look like (at least among the upper class where the story takes place/the environment yuzuru grew up in), think eco-based designs. built to try to mitigate the damage of decades of harmful environmental practices. but also things like artificial beaches, synthetic meats, imported sand that has to be sanitized before it can be used. towering buildings, standing miles above the filth and fog of the polluted, overpopulated streets below. something like this: https://pin.it/6vs3PVf

side note, but i like to imagine that once javi’s family hit their ‘wealth boom’, his family unanimously decided to commission an architectural firm to build a place far from the central cities for javi’s grandmother, who hates living there. this is the same house where they have their weekly family get-together: https://images.app.goo.gl/7msCDSW9nwpXXHZm7

of course, if you’re not part of the upper class (and thus not granted access to their ivory tower), things are a little more messy: https://old.reddit.com/r/blender/comments/b290z0/not_so_bright_future/

it’s the idea of ‘build up and out’ but taken to the extreme. technology is pretty much the only thing that ‘survived’ what yuzuru’s great grandparents call ‘The Great Collapse’ — it has progressed rapidly, but is still constrained because again. resources are an issue. precious minerals like cobalt and copper are even harder to mine now than ever before. and the lab-made alternatives aren’t as good. of course, if you’re wealthy, this is less of a problem. also the regulations on some of this tech is terrible. things like people using technology to steal identities or impersonate people is very common (keep this in mind for later)

… and i think that’s everything i currently have for the setting! again, this is mostly just vibes atm. couple more asks are on route 🫡

mmmmmh about to throw a fit rn not gonna lie. tumblr played a trick on me and while I was uploading my last pictures deleted my whole answer. kdfjlflf. ok. let’s do this again.

absolutely adore the whole concept. it’s amazing. love the idea of these ecobuildings.

the tower, i find SO ugly I’m not going to lie fldkffj but it makes so much sense!!!! démesure. the pristine white, clean cut and technologically advanced aesthetic is flawless.

I can see the actual view outside being on the top of the clouds. the immensity of the sky unrolling in front of you as you sip champagne. the ugly parts of the city conveniently covered by this vastness of white, soft, pure clouds. it’s always sunny up here:))))

and the concept of family towers as a whole could also be incredible bc here me out. towers so high above the sky. highly guarded. family feuds. it’s actually MEDIEVAL! the towers are the new CASTLES and it’s kdkfjf. amazing.

I could see the inside looking a little like this??? a mix of technology (the views are holographic) and nature (ecosystems on each floor? the air is filtered and all)

like imagine the Hanyus holding their business meetings and transactions in these kinds of rooms??? marriage contracts being discussed and signed in this kind of atmosphere?

also I adore the idea of the Fernandezes building this summer house for the grandma away from the city center because hear me out. taking the train/the plane to get there. the view of the wasteland that is this world rolling by the window as they watch, bored, unimpressed, and as they just go from one utopian domed estate to the other. they stand well protected by their super technological means of transportation, they don’t even have to smell the air to get there. absolutely depressing. could be a good way to I introduce what the outside world looks like!!!! (also I’ve got this idea, correct me if I’m wrong — it could be that the Fernandez that took over the industry of the feuding auto-destroyed families left behind is Javi’s grandfather, maybe? That way it goes back a little, and javi and Laura are the actual first ones of their family to be born and raised rich. Their parents are the middle generation, they got the hardship of the transition. And that way it could be Javi’s grandma has tales from the real world she grew up in. she loves not starving of course but hates the ethics of the new world of billionaires she got sucked in. she wants away from it. her lungs are bad cause she grew up in the poor world, and that’s why she rests in this country house, unhinged abuela that always says what she thinks, and who javi (and eventually yuzu) adores.)

I picture the Fernandez city estate perpetually looking over the sea? Like every hollographic room has a seaview bc Javi’s mom loves that and it lowkey drives yuzu crazy at first because it’s tacky.

Much warmer vibes that what yuzu grew up in??? idk what do you think????

[sending-the-message]

Never Buy Cheap Computers on Craigslist by 2017Interloper

Ever notice the little lightbulb icon at the top of the MS Word screen, to the far right of all the options like File, Home, View, etc.? Well, I don’t know about yours, but mine isn’t working properly. It showed me something I didn’t want to see, and I may have used it to kill my girlfriend.

I just got a new laptop. For a broke ass grad student, finding a customized Lenovo ThinkPad b66 with 32G Ram and all the other awesome specs it comes with, WITH WINDOWS 7 INSTALLED (Huge selling point for me) for $300 was unreal. I use my laptop for gaming, streaming, work, school, you name it. I had to go check it out. I didn’t realize the b66 was a Lenovo model, but reading the tech specs on the Craigslist ad gave me a nerd boner for the ages.

The older lady who answered the phone number listed on the craigslist ad was really nice, and said it had belonged to her grandson. “He is gone now,” she told me. “I have no use for the thing. Is three hundred too much? It looks like a nice computer, at least, to me.” I could have been a total dick, and talked her down to 200. I am sure of it. But, I would have felt bad about it, and I happened to have the cash. Granted, it was all I had, but I had gas in the car, coffee, and my girlfriend and I had some things in the pantry that could pass as food, so we’d be ok for a few days. I noticed that the lady didn’t specify what ‘gone’ meant in reference to her grandson, whether he had died, moved away or what have you, and thought it a bit odd that she had mentioned it. Hey, maybe she was just a lonely old lady and I was the first person she had spoken to in a few days, right? I told her I was sorry about her grandson, went and cleaned out my bank account at the nearest ATM and sat in my car at the Evergreen Town Park where we had agreed to meet, waiting for her to show up.

I had to call my girlfriend, Alex. She and I had been talking about getting a new laptop for a while now; the one we currently shared was getting a little long in tooth. There was one we were looking at that was decent and in our price range, but I was resistant to spending any money on it, because they all come with Windows 10 now, and I freaking hate Windows 10. We settled on looking at used ones, and figured it would be cheaper that way anyway.

“Hey!” She answered. “Good timing. You just got me on my break. What’s up?”

“Well, I drained my bank account, but you are never going to guess what I just found for three hundred bucks!”

At first, she was weary about the cost but when I told her about the operating system and had her google the specs on the thing, all she could say was “damn.”

I saw the lady I was waiting for, at least, I figured it was her. She was driving a green Buick, and craning her neck, likely looking around for me and my car as I described it on the phone. She was probably feeling the slight anxiety that most people get when meeting someone from Craigslist, that ‘what if I just gave my car’s description to some serial killer’ feeling. I figured I’d not keep her waiting on me, and I was psyched about the computer. “Babe, I gotta run. I don’t want to be all rude and make this old lady wait. Love You.”

“Love You. Good find. Can’t wait to check it out.” We hung up and I got out of the car and waived at the lady in the Buick.

She rolled down her window halfway. “Are you Colin? The young man I spoke to earlier?” She asked, a little hesitantly.

“Yes ma’am, thank you for meeting me. My girlfriend and I have been looking for a good computer for a while now,” I told her, trying to small talk a little to make her feel at ease. I got the impression she was nervous or uncomfortable. Craigslist ads get a lot of bad publicity. For all the scams and bullshit that undoubtedly originate with Craigslist ads, most times when you buy secondhand things, rent an apartment or adopt a pet go without a hitch. But, those aren’t ever the ones you hear about. Plus, I’m a dude, so I don’t worry about that stuff as much as Alex does and I imagine other women might. I mean, it’s not like a bigger dude couldn’t lure me out to a dark alley and jump me or whatever, I guess it’s just not my nature to worry about things like that. If it happens, I’ll deal with it when the time comes. Then, I just wanted to make the old lady feel at ease, because she was doing Alex and me a huge favor with this cheap laptop.

She seemed a little uneasy still, but she stepped out of the car, and we walked over to the bench. She took the laptop out of the case and handed it to me. “Go on ahead and fire it up,” she said. “You can take a look and make sure it has everything it is supposed to have, and no viruses or bugs or whatever it is that steals all your information.” She smiled. “Forgive me, I don’t know much about these things. I had my daughter type out all of the information on that computer ad you found my number on. She showed me how to use Facebook on my phone, and that’s about as far as I go with this sort of thing.”

The laptop booted right up, appeared to have all the usual bells and whistles, had a full version of Microsoft Office on it (I would remember to switch the subscription to my name later) and a surface inspection of it looked fine. I told the lady as much. “It looks fantastic to me. I believe I owe you a few dollars?” I produced six fifty-dollar bills from my wallet and handed them to her, trying to be discreet. I’d rather have a casual onlooker think it was a drug deal than jump her because they saw me handing her cash.

She still looked a little uneasy as she stuck the bills in her wallet. “Thank you,” she said.

“Ma’am?” I asked, hoping that she hadn’t realized that she was practically giving the computer away. “Is everything all right?”

She sighed, barely audible. “Yes, thank you.” We got up and walked toward the parking lot. “I just…” She paused, looking as if she were trying to decide whether or not to tell me something. “My grandson… he was on the computer a lot. I can’t say for sure what got to him at the end, but… I don’t know. Just be careful,” she said warily. With that, she got back into the Buick and left.

I sat there holding my new computer and feeling kind of weird. I mean, what had happened to the kid? Had he gone into a chatroom and met some kind of creepy pedophile? Disappeared? Suicide? It really was nothing but idle curiosity and I supposed it didn’t matter anyway, but it gave me the creeps. I shook it off and drove home.

I took the computer into the apartment I shared with Alex, and set it down on the small, round kitchen table we had. It was getting dark, so it was probably around 6:00, and I was hungry. I figured Alex would grab a bite on her way home. She didn’t get off work until 10:30, and I wasn’t a great cook, nor did I feel like making pasta or a sandwich, which were currently my options. I grabbed the take-out box of last night’s Chinese and put it in the microwave. While my crappy takeout dinner reheated, I unzipped the bag the laptop was in and fired it up. There was a wireless mouse, a wall plugs, and a manufacturer’s CD-ROM that came with the computer neatly tucked into the bag with the laptop.

I shuddered a little seeing the dead boy’s name pop up with a little icon of a soccer ball. I was going to click “guest,” but I told myself I needed to access the admin account on the computer to create my own profile, run some anti malware and antivirus BS and all that. If I were being honest with myself, I wanted to snoop a little, because the lady’s comments were kind of weird. I pulled up Google, and just as I suspected, the kid’s account was still logged in. The microwave startled me when it let me know that my food was done with a pretentious little ‘ding!’ I got up and got my food and a fork, realizing that I felt guilty, like a kid with his hand in the cookie jar, thinking in that brief second that I may have been discovered snooping through a dead kid’s computer.

No. MY computer, I mentally corrected myself. I purchased it, and the previous owner just had something unfortunate happen to him. It wasn’t the computer. And it isn’t snooping, because it is my computer, and I would like to know if the kid had visited any websites or received any sketch emails that I should worry about stealing my credit cards and internet porn search history or anything like that. Right?

Right. And so, with that justification in mind, even though I wasn’t actually concerned about any of that, I went about my snooping. I was curious, and felt kind of guilty and a little spooked. There is something that feels intrinsically wrong about snooping through a dead person’s files, especially a dead kid. Maybe he hadn’t died, but I had the feeling he did, from the way his grandmother had warned me. My mind kicked into justification mode again and told me it was no different than wandering around an estate sale after someone died, and Alex brought me to those all the time. Truth be told, they creeped me out a little, too, but it’s just what people did. Best not to think about it.

Over the next few hours, I found very little, if any, surprising or suspicious activity on the computer. The kid mostly hung out in chat rooms, played WoW, had a reddit account, and had spent a lot of time on YouTube. Nothing that looked like it would be installing malware. (And, I thought, nothing to indicate the kid was suicidal or into anything weird). Somehow it felt like ghosts should have come flying out of the screen or something. None did, and I decided that none of it was my business anyway. I selected anything I found in documents, music, pictures, or on the desktop and each time hit shift+delete, so it would bypass the recycle bin and I would not be tempted to snoop. Snooping like that is sort of a rabbit hole, and one thing my mother always said when we would house sit for the neighbors or found ourselves in anyone else’s home when they weren’t home rung true with me here: ‘if you go looking for trouble, you’ll find it. Doesn’t enough trouble find us on its own?’ That was her ‘don’t snoop through shit that isn’t yours’ spiel, and she was probably right. Time to make it my own.

I wiped the signed-in account on the browser. I went in to the ‘users’ screen and created my own as an Admin, and I made sure any programs I would need to use were installed in a way that any user could access them. I signed in as me, and deleted the poor, dead kid’s account. I opened up Word, intending to sign in to my own “Office 365” Account, so the lady didn’t get charged or anything, and I went to the top of the screen for the “sign in” option.

It wasn’t there. Huh, weird, I thought. Could this have been one of those older copies of Microsoft you bought on a disc and didn’t have to pay a subscription fee for? Score again! I thought they had stopped making those. It looked pretty new, though. Weird. The front door opened, and I heard, “Hellooooo!” in Alex’s sing-songy voice.

“Hey babe.” She came in and kissed my cheek.

“So, you gonna show me this new hotshot computer of ours?”

I raised an eyebrow. “Okay, yours.”

“You can use it sometimes,” I teased. She shoved my shoulder playfully.

As I suspected, she had grabbed something from Zaxby’s on the way home. I grabbed one of the fries in her meal and savored it. Zaxby’s coats their fries in seasoned salt, and they’re freaking delicious. She slapped my hand away and whined, “Hey! I haven’t eaten since noon. Back off!” She turned away from me. “Hey…” She grabbed the wireless mouse and moved it to the top of the screen. Microsoft Word was still open.

“This a bootleg or something?” She was hovering the mouse over the top part of the ribbon, where it says ‘Home, Design, Review’ and the like. Next to those options was a little lightbulb that said “TELL ME WHAT YOU WANT TO DO” and it was blinking red.

“I don’t know, but I tried to sign in to our account, and there is no place to do that,” I told her. “What makes you say that?”

She ate another fry and thought about it. “I don’t know, it just looks different. Maybe the blinking red ‘Help’ thing?” She sat down and moved the laptop in front of her. “May I?”

“Sure.” I gestured for her to have at it. My girlfriend currently works in retail, at a department store, and a lot of people mistakenly assume that retail jobs don’t have any use for tech skills. As the Assistant Manager of her department, she used these Microsoft programs as much or more than I did.

“I can’t get over the blinking ‘TELL ME WHAT YOU WANT TO DO’ thing,” she said. “It’s weirding me out.” She clicked it and it stopped blinking.

She typed, ‘I want to get a raise at work’ and hit enter. “Let’s see what a discounted two-thousand-dollar computer with a bootleg copy of Word can do for me,” she joked.

The screen sat there loading for a minute before a pop-up appeared on the screen.

No Registered User Found. Would you like to register, Alex McCabe? (Yes, No)

“What the fuck?!” She said, scooting her chair away from the table. She looked at me.

I should have been scared, felt defensive, or been worried, but I was fascinated. “How…?”

“You should uninstall that,” she said. “It’s probably some kind of black market copy that steals your…. I don’t know.” She walked over and clicked No. The screen reverted to its usual, mostly normal format, except the red blinking message: TELL ME WHAT YOU WANT TO DO. “I am getting in the shower.”

As soon as I heard the bedroom door shut, I immediately began typing into the red blinking area on top of the MS word screen. ‘Tell me how you knew my girlfriend’s name.’

Loading again. Error message.

‘No registered user found. Would you like to register, Colin Davies? (Y/N)’

I clicked yes. Should I have been a little more concerned that it knew the difference between me and my girlfriend? Absolutely. But I was oddly transfixed by it, and for some reason, it didn’t seem odd at the time. Maybe I was just careless, and maybe it was something else that made me click Yes; I can’t be sure now. Hindsight is always 20/20, right?

‘THANK YOU, COLIN. YOU ARE NOW THE REGISTERED USER. PLEASE CAREFULLY READ THE TERMS AND CONDITIONS AND END USER LICENSING AGREEMENT, THEN TELL ME WHAT YOU WANT TO DO.’

Does anyone ever read the terms and conditions? I didn’t. I typed again, ‘I want to know how you knew our names.’

Loading.

Error: invalid query.

Okay, well, good parlor trick, Microsoft. Our Wi-Fi/Cable provider billed us on a joint account, so I figured it was pulling our names from the ISP. Great privacy policy, Comcast. I rolled my eyes and typed, ‘I want to see Alex get a raise at work tomorrow’ and hit enter.

Loading.

DID YOU READ THE TERMS AND CONDITIONS?

I clicked Yes, Ignoring the link.

Loading. Nothing happened.

“We’ll see.” I chuckled to myself and closed the lid. I figured I’d join Alex in the shower. And I did. As we were drying off, I told her how I’d registered the software in my own name, and that I told it to get her a raise.

She said, “You erased that creepy bootleg and just downloaded the regular one, right?”

“Of course.” The lie was on my lips before I had time to consider it. In hindsight, that too was odd, because Alex and I had a policy of absolute honesty. The kind of honesty that I wouldn’t recommend for most couples. She had been cheated on in the past, and I had a roommate that got into Heroin and stole from me, so when we first started dating, it was something we had easily agreed on: no lies. And usually, I kept to it. Usually, I had nothing to lie about. I didn’t even think about it as we curled up for bed that night.

Later on that night, I woke to a godawful racket that I can only compare to some sort of a ‘roided-out digital dog whistle. An alarm of some sort? I nudged Alex to see if she could hear it too. She had to. It was loud, abrasive, and probably waking the neighbors. Was it in the house? A neighbor’s alarm system? How the actual fuck was she sleeping through this? Wow. She rolled over and mumbled something incoherent. Sleeping like a baby. I got up, grabbing the .22 varmint rifle I kept next to the bed, and went to see what the noise was. In retrospect, on some level I knew that an intruder couldn’t make this sort of screeching, ear shattering noise, but I was half asleep and did the guy thing: grab gun, defend turf. Like a magnet, I was drawn into the small kitchen, and I could somehow feel that the sound was coming from that area, even though it permeated the air in a way that it was no louder or softer in one room than any other. My new laptop sat innocuously, closed, on the kitchen table, but it was emitting a sickly, orangeish red glow from the small space between the screen and the keyboard. The unnatural light formed an odd, glowing square around the laptop, except the side with the hinges that the screen rested on when you flipped it open.

Okay, I thought. I knew I should have considered that there would be something wrong with this thing. Too cheap. But could it really be making this noise? I half considered shooting the damn thing and going back to bed. I wish I had. Too much paperwork, though. Discharging a firearm in city ordinances would surely get you in deep shit, even if a rabid racoon was attacking you. Instead, God help me, I decided to open it up and see if there was some sort of alarm system or something in the computer causing the noise. Note to self, I thought, turn the damn thing all the way off before bed. In fact, remove the battery.

I sat down at the table, the unholy screeching still in my head, and flipped open the screen. The screeching immediately stopped, and the sickening glow went back to the usual, blue-light laptop screen that all of our retinas have come to know and love. I blinked a couple of times, to clear the sleep fuzz out of my eyes, and because I couldn’t believe what I was seeing.

I’m sorry to wake you, Colin.

I need you to read the terms and conditions.

(OK/Cancel)

I clicked “cancel,” and the error message returned, and the screeching began again, worse than before. It was actually causing my eyes to water, sort of how you’ll involuntarily cry if you get punched in the nose. I never knew that ears had the same connection with the tear ducts. Today I Learned, thought dryly as I clicked Yes.

I had no intentions of reading any terms or conditions at that hour, but I knew as I was slowly scrolling through them that I would file a complaint with Lenovo, Microsoft and any other company that had any software or hardware in that computer in the morning, because that is one obnoxious way to get someone to read an End User agreement. I slowly scrolled to the bottom and when I figured that the appropriate amount of time had passed that the computer would (think???) that I had actually read all of their legal garbage, I clicked ‘I Agree’ at the bottom of the pop-up window.

I had often thought to myself that one day, I would actually need to start reading things before signing/agreeing to them. If you pay attention to the news and tech articles, you’ll see that there are certain functions on our SMART tv’s, cell phones and computers that you are not required to allow or agree to, but that we all generally do, essentially allowing these devices to access all of our personal data. I had nothing to hide, and thought that maybe if someone wanted to steal my identity, they could pay my student loan balance while they were at it, and perhaps file last year’s taxes for me. But, like a good red-blooded American, I bought anti-virus software, carried a wallet that protected my bank and credit card info from devices that could remotely steal the info, and upgraded my cards to the ones with the chips in them when my bank asked me to. This time, though, I didn’t read it because I don’t like being told what to do. It’s possible that my stubbornness has caused me a lot of trouble, because the Terms and Conditions the stupid computer wanted me to read weren’t even all that long, compared to some of the other crap I’ve had to scroll through to access my software and apps, but I was tired and still had a headache from that stupid “Terms and Conditions Police” alarm the computer had blasted into my head. I looked at the screen, which was on Microsoft Word again. I shook my head, already forgetting about how I had (told??) my computer that I wanted my girlfriend to get a raise at work.

When you do things like this, little goofy, innocuous things, you tend to forget about it. Alex and I thought we were being clever, typing about her getting a raise into an oddly-worded field (TELL ME WHAT YOU WANT TO DO) that was obviously a help field. The text would have been ingeniously created by some Adderall-popping millennial with a three-day beard and a skinny-pants suit somewhere in Silicon Valley behind a desk, who had probably been paid an obscene salary to come up with some words that were more ‘user-centered’ than the word “Help.” That’s how all of these things work, isn’t it?

Not this one. Anyway, I went about my daily business, attending classes, working my side hustle (which is what I called my part-time office job to make it sound cool. It was my only hustle, and was boring as all hell) and using the computer as one might – I worked on my Masters thesis, sent emails, procrastinated on Reddit, Facebook and occasionally (I know, NERD) played WoW or browsed the crappy, free amateur adventures of YouPorn. Normally, I didn’t bother with Porn, because Alex was… well, I’ll say the kind of girl that didn’t require a huge hand-to-man relationship most of the time. She was an awesome girlfriend, or, at least, I thought she was, before all this. She had been coming home late a lot lately, and acting a little different. Stress, I assumed, and didn’t think twice about it. I certainly didn’t want to add to it. She was hoping to go from Assistant Department Manager to Assistant Store Manager, and she had taken on some extra responsibilities in order to do that.

One night, I sat at the computer, three beers deep, trying like hell to write some stupid paper for school. I can’t even remember what it was. I stared at the computer, tired and drawing a blank, and noticed the help message at the top corner of my screen blinking red: TELL ME WHAT YOU WANT TO DO. I don’t know why I did it. I missed Alex, hadn’t been hanging out with my buddies from school or work much, and I guess the computer was saying something that spoke to me I typed, I WANT TO SEE ALEX.

Go figure, no weird error messages this time. I went to delete my typing and go back to my research when an odd program popped up. Nothing could have prepared me for what I saw. It was Alex, all right, and she was at work – but she was in the back room, I was guessing, bent over a table with her tits hanging out of her button-down shirt and her skirt hiked up around her waist. A man held her hands behind her back while he fucked her from behind. I knew this guy, it was Dan, the Store Manager. And he was fucking my girlfriend. Let me tell you, this shit put YouPorn to shame. Alex was hot, and if I wasn’t so freaked out by this, and if I wasn’t looking at my own girlfriend and her boss, I would have had a rager to take care of. If not for the audio, I could have suspected she was being raped, and sprang into action. Only, she wasn’t. People who were being raped didn’t usually tell their assailants to fuck them, and moan, and… Oh, God. I felt sick. I was in shock. There was no way that was Alex… except, hadn’t that been the outfit she left today wearing?

How the fuck did the computer do that? Maybe it was some kind of elaborate hoax. I did the only thing that my numbed brain could think of, and I called her. If I spoke to her, and she didn’t sound like she was letting some guy drill her like a porn star in the back room, maybe I would just set fire to the computer and be done with it. I called her cell phone number, and god damn it I heard her ring tone. Through the audio on that God damned video.

No, please, no. I heard her say “He’ll call back.” And with that, I knew she was cheating on me. For a sick, voyeuristic moment, I sat and watched this unfold. As they were switching positions, her on her knees, and he approaching her with his dick in his hand, I found the X at the top of the screen and closed it. Now, I had a lot on my mind. Alex, whom I was sure I would ask to marry me after grad school before that moment, was cheating on me. What’s more, somehow, my computer knew it, and had found a camera somewhere in the room and showed it to me. What was anyone hoping to accomplish with all this? What the fuck was up with this computer? What was wrong with this world?

I should have gone to Alex’s work and asked for her. I should have broken up with her on the spot, and beat the ever-loving shit out of ‘Dan,’ the man who was undoubtedly currently getting a blowjob from the mouth that kissed me every morning. Instead, I went back to the computer, and stared at the field where I had typed ‘I WANT TO SEE ALEX’, blinking red, with the message TELL ME WHAT YOU WANT TO DO. My voice cracked, I could hear it through the empty apartment. I said, through very un-manly tears that I was furiously trying to choke back, “Why?”

It wasn’t loud and it wasn’t a scream; more a perfect reflection of the confusion, hurt and anger I was currently feeling. How could she? How long had it been going on? Had she ever… before we…. My train of thought was interrupted as a dialogue box popped up on the screen of my computer that said, “SHE REALLY WANTED THAT RAISE, COLIN.” I picked the computer up and heaved it against the wall, expecting to be sweeping it into the trash in a drunken rage (I pounded the rest of my beer and opened two more very shortly after) along with my hopes and dreams of a future with Alex, but it bounced off the wall and fell harmlessly to the ground. Not a chip, scratch or crack anywhere on it. What the fuck? I let out a feral cry and charged the thing. I guess I tried to tackle it. I bashed it on the floor, the table, and punched at the screen. I was seeing red.

When all was said and done, I looked at my computer, which was now on the other side of the kitchen after having been punched, slammed, kicked and punted across the room into a wall, and it sat there, unharmed, the screen seemingly taunting me with its blinking red message, which I could see across the room: TELL ME WHAT YOU WANT TO DO. My drunk, angry brain had now reached an eerie state of calm as I began to accept one thing about this shitty situation: somehow, this computer was able to… do things. See things. Know things. Show me things. Possibly even make things happen.

What I should have been thinking of were bets, lottery numbers, riches, success and the like. I should have confirmed what I honestly already knew. All the late nights, her emotional distance, the extra few minutes in the mirror before work, the new underwear… It all added up now, I just didn’t want to see it those past few weeks. No, I was too angry to ask my bootleg copy of Microsoft Office to give me the key to success or make me rich. All I could think of was revenge, and I sat down before I lost my nerve, opened my seventh beer for the night, and considered all of the ways I could exact it. I finally decided on one, and slowly began to type. “I want Alex McCabe to kill her boss.” The little circle spun on the screen, loading.

I sat in the dark, drinking, and waiting.

[someinvisible-string]

The One With the Blackout

MERRY CHRISTMAS @curiousthingdarkness !! I know I was a little distant but trust me when I saw that you seem like a wonderful person! I hope you enjoy your gift and have a wonderful Christmas Day!

AO3

It was three days to Christmas and Emma finally had all her gifts in order which was no small feat since people had been vicious at most of the stores she went into. One woman had tried snatched a sweater out of her hands which resulted in a tug of war before Emma realized what she was doing and let go. She wouldn’t dream of giving Ruby a stretched out sweater anyways. Ruby was the whole reason she even had people to celebrate Christmas within the first place, if it weren’t for Ruby practically dragging Emma with her to an open call she never would be where she is with some solid friends and a nice new apartment that she and Ruby just signed the lease on a month ago. “Oh!” Emma thought as she passed an ATM, “I should get some money out to tip the super and other people for Christmas.”

She walked into the alcove, grateful to be shielded from the wind and snow that was falling fast from the sky. A few people walked out as she walked in, leaving only her and one other person in the vestibule. He was tall with black hair and when he looked up from his phone she was startled by just how blue his eyes were. She let herself discreetly check him out as she walked up to the machine under the pretense of getting her wallet out of her bag.

Just as she went to put her ATM card into the machine the lights in the vestibule went out and the automated door swung shut. A backup generator must have kicked in as a whirring sound started and the lights kicked back on so at least they weren’t in total darkness during what appeared to be a city-wide blackout. The man went to the door to only found that it had locked, trapping the both of them in the vestibule until the power kicked back on.

“Oh bloody hell, that’s great that is-” his words faltered once he laid eyes on her and Emma despite his very cute british accent she instantly knew he knew who she was. No doubt he had seen a large billboard with her and some others in Time Square, the commercials where she had to “walk seductively” towards the camera, or there was even a chance that he watched her walk the runway in the Victoria’s Secret Fashion Show clad in nothing but lingerie and a pair of angel wings so large her back hurt for days after the show. She busied herself digging around in her bag, hoping that he wouldn’t try to do anything creepy.

“Oh my God,” Killian thought to himself as he stared at her, “I’m trapped in an ATM vestibule with that Victoria’s Secret model, what was her name? Something Swan?” She looked up from her bag and Killian realized he had been staring at her the entire time and being incredibly creepy. She pulled out her phone, probably to text her friends about the creepy guy she was stuck with and frowned. She put it back in her bag and walked to the payphone on the wall, a relic from the 90s, and checked the line.

“Um do you mind if I borrow your phone to call my roommate?” she asked him reluctantly. “My phone’s dead and I think that payphone hasn’t worked since 2005.”

“Yeah sure,” Killian fumbled getting his phone out of his pocket and handing it to her.

“Thanks,” she said taking it and quickly dialing. “Hey, Ruby it’s Emma.”

“Emma that’s her name, Emma Swan!” Killian thought quickly.

“I’m stuck in an ATM vestibule, where are you?” Emma tapped her fingers against the wall as she listened to her friend. “This guy I’m stuck with let me borrow his phone,” her eyes flicked to him and Killian looked down intently at his fingernails hoping that she hadn’t noticed him staring at her. “Yeah I’ll be fine, you just stay at the apartment. We can’t have both of us get stuck out here,” she hung up the phone and held it out to him. “You probably have people you need to call.”

“Yeah, I should probably make sure one of my roommates doesn’t panic and eat everything in the fridge,” thankfully she laughed and Killian felt a surge of confidence as he waited for Robin to pick up.

“Hello?”

“Belle?”

“My phone’s off since we’re trying to make sure both mine and Robin’s don’t run out of battery at the same time, he’s in the other room getting candles. Where are you?”

“I stuck in the Village but listen-” Killian mumbled trying to tell Belle where he was. “Could you repeat that?” she asked.

“I’mtrappedinanATMvestibulewithEmmaSwan,” Killian said hoping the woman in question didn’t understand him.

“Killian, what the hell are you saying?” Belle said her frustration clear.

“Just put Robin on the phone,” he said.

“Hello?” Robin said finally answering his own phone. Killian repeated his mumbled message. “OH my god!” Robin said excitedly and thankfully translated for Belle.

“That’s what you were saying?” Killian could hear Belle exclaim.

“So how’s it going there? You two huddling up to share body heat?” Killian could practically hear Robin’s smile on the phone.

“It’s a bit chilly but we’re fine,” Killian said pointedly. “I’m gotta go and save this battery for as long as I can.”

“Have fun loverboy,” Robin laughed before hanging up. Killian sighed and shoved his phone into his pocket and looked over at Emma again.

She was looking out the glass door at the dark street, “How long do you think we’ll be stuck here?”

“Hard to say, the last time I think New York had a blackout like this was over ten years ago. I’m sure someone soon will walk by us and help or call someone who can.”

“I hope so, I’m getting hungry.”

“I agree with you there,” he nodded before summoning his courage and extending his hand to her, “I’m Killian by the way.”

“Emma Swan, but judging by your phone call you already knew that,” she smirked at him as she shook his hand. HIs cheeks had never felt warmer

After an hour of waiting, Emma started to doubt that anyone was going to come for them soon. Surely there were other people who needed emergency help sooner than two people stuck in an ATM vestibule. But judging by the faint gurgling sounds coming from the guy’s (“Killian” she corrected herself) stomach she wasn’t the only one feeling desperate for some food.

She groped around in her purse hoping to find something, anything even some stale crackers she threw in and forgot about, just to take the edge off. The only food like thing she could find was a pack of gum. Maybe by chewing she could trick her stomach into thinking she ate?

“Do you want some gum?” she asked, breaking the prolonged silence that had stretched between them since the phone incident.

“Is it sugarless?”

“No?” she said looking down at the box. She shrugged and popped a piece in her mouth.

“Actually you know what it really doesn’t matter, could I have a piece please?”

“You sure?” she asked, pulling a piece out for him.

“Yeah, gum would be perfection!” he said and then grimaced, clearly regretting what he had said. Emma just smiled awkwardly and dropped the gum into his outstretched palm. He shoved the piece into his mouth, apparently too fast since his eyes bulged and he made a strangled sound.

“Are you okay?” she asked. He gave a thumbs up but clearly was not okay at all. “Oh my god you’re choking.” Emma quickly positioned herself behind him and gave him the Heimlich. He sputtered and coughed and the gum came flying out of his mouth.

“I’m so sorry,” he coughed, massaging his throat with his hand.

“No need to apologize, it’s not like you intentionally choked on it,” Emma assured him.

“Thanks, but I’m also sorry about the whole phone thing,” he said.

“It’s okay, really,” she smiled at him. “I remember when I first moved to New York I saw Mariska Hargitay walking in the park and I had an internal freakout.”

He chuckled, relieving a dimple in his cheek and Emma felt herself soften, “Clearly you are a woman of good taste. Do you mind if we just start over? Forget the phone and the gum incidents?”

“Sure, hi I’m Emma,” she extended her hand to him to share.

“Killian Jones, nice to meet you.”

“So Killian Jones, what are your plans for Christmas?”

“Oh the usual, going across the hall to hang out and eat the food my chef neighbor makes. You?”

“My roommate Ruby is hosting a big party at her grandmother’s diner on Christmas Eve and then Christmas day we’re just going to stay in and watch Christmas movies.”

“Which diner does your friend’s grandmother own?’

“Granny’s? It’s over on 9th.”

“Wait, the one where the waitresses wear those red and white uniforms?”

“Yeah, you know it?”

“Certainly do, my neighbor actually works there.”

“Huh,” Emma shrugged. “Small world.”

“It appears so,” he nodded, “So how long have you known Ruby?”

“About two years? She was my first roommate when I moved out here, the first friend really.”

“In New York or in general?” Killian looked as if he instantly regretted it once the words left his mouth but it didn’t stop his words from hurting.

“Wouldn’t you like to know?” she said, crossing her arms protectively in front of herself.

“Sorry that was a little too forward,” he said looking towards the ground. Emma nodded, retreating back into herself and her purse.

“Good job Killian, really a great job” Killian mentally berated himself. Emma was clearly hurt even though she tried hard not to show it. He tried to think of a way to fix it, but instead, the silence just stretched on and on. They just stood on opposite sides of the vestibule trying not to look at each other, but on one of Killian’s discreet quick looks he saw Emma start to shiver.

“Are you cold?”

“Huh?” she said as if he was shaking her out of a trace.

“You cold?” he repeated.

“Oh, no I’m fine,” she nodded. Despite her words, Killian could clearly see her shivering.

He crossed the distance that stretched between them, shrugging off his coat. “I’m serious you really don’t need to do that,” she protested but before she could say another word Killian draped his coat over her shoulders.

“It’s the least I could do after totally cocking up our conversation earlier. Plus we can’t have you freezing to death, a Victoria’s Secret Angel becoming an actual angel seems just a tad too ironic for my taste.”

She smiled and pulled the coat tighter around herself and looked up at him, “Thank you.”

“It looks better on you anyways,” he said reaching out and pulling her hair out from under the collar. He couldn’t help but enjoy the feeling of her silky hair combing through his fingers.

“Now you’re going to get cold though,” she said apologetically.

“I’ll be fine, I lived in England most of my life I’ve seen worse,” he said.

“You’re a long way from home then, aren’t you going to miss your family this year?”

“Well yes I will but there’s nothing for me in England anymore. It was pretty much just my

brother and I and well last year he died.”

“I’m so sorry,” she said reaching out to his other hand, the hand he had tried to keep out of sight this whole time because he couldn’t let her see his prosthetic. Her hand came down to find hard plastic and she looked up at him, the question everyone always wants to ask clearly in her eyes.

“There was an accident, I mostly made it out but Liam didn’t,” Killian pulled his prosthetic away from her.

Emma was quiet for a moment before taking a deep breath, “You were really honest with me so I’m gonna be honest with you too but if you tell the press or anyone I will hunt you down,” she looked pointedly at him. Killian was too shocked to speak so he simply nodded. “Yes Ruby is my first friend ever, really she’s my first family. I grew up in the foster system never really had a family to spend Christmas with until I moved to New York and met her.”

“So I guess we found our family,” Killian said.

“Yeah, and I’d really like to get out of here so I know that I can go spend it with my weird little family.”

“I understand, believe me.”

“You do?”

“Absolutely, the first Christmas I had with my brother I was a miserable wreck. Robin’s sister Mary Margaret had to come practically drag me out of bed for Christmas dinner.”

“The holidays are a lot harder than people give them credit for,” Emma sighed.

“Yeah but I don’t know having my own weird little family makes it a lot easier. And it’ll get easier I promise.”

“Thank you, again,” Emma said and Killian suddenly became very aware of how close they were standing.

“Right well, hopefully, this power kicks back on soon so we can actually be with them,” he gulped.

“Right hopefully,” Emma smiled and Killian swore her eyes flicked down to his lips.

“This is crazy, there’s no way this could work,” Killian thought as he started to lean in. She didn’t lean away which he took as a good sign. He closed his eyes and before his completely shut he saw hers close as well. He felt her nose brush against his cheek but just before his lips could connect with hers a loud beeping noise interrupted them accompanied by the bright regular lights of the vestibule flickering on. The automated door unlocked with a loud click.

“Well I guess the powers back on,” Emma said with what sounded like a tinge of disappointment.

“Yeah well if I do say so myself I wouldn’t have wanted to be stuck in an ATM vestibule during a blackout with anyone else.”

“Same here,” Emma stepped back to gather up her things. Killian felt his heart sink, he had missed his chance with not only Emma Swan international model but Emma Swan the person who wanted to celebrate Christmas with her little found family.

“Well good luck getting home Killian,” she said before heading out of the vestibule. Killian sighed looking down at his shoes. He looked up when he heard some hurried footsteps.

“I forgot to give you your coat back,” she said pulling it off of her shoulders. “I also forgot this,” she pulled him by the collar to her lips. It was a kiss unlike anything Killian had ever experienced, it consumed him until it was just him and Emma and everything else fell away from them.

“That was-” he started when the pulled apart.

“Amazing,” she finished with a smile. “Merry Christmas Killian.”

“Merry Christmas Swan,” he said, a sudden surge of courage coursing through him, “You know I’m hosting a New Year’s Eve party, would you be interested in coming?”

“I would be but I already have plans with Ruby,” she said apologetically. “But New Years Day I know I’m going to need some greasy diner food to help recover. What do you say to a late breakfast at Granny’s?”

“That sounds perfect,” he responded already knowing that next year would be a far better year than this year had been.

[pocmuzings]

➰

PAST MUSE: zev glover

i’m tempted to bring him into a rp i’m in atm actually, BUT zev is a lil mischievous nb muse of mine. uses he/ him pronouns, and a con artist. KINDA. only kinda a con artist, okay! so, he uses tarot cards, and deems himself a psychic, which fair enough- but most of the time he’s just making shit up, or just saying what people want to hear. however, what he doesn’t know is that the reason he’s actually pretty good at it is bc he is actually clairvoyant, and very talented with tarot cards because his mother and grandmother worked as psychics a long time ago, and were clairvoyant too. but zev just doesn’t realise that!!! so instead, he just thinks he’s a master bullshitter. he’s quite charming, and cocky, almost, but also really nice, and a great listener, and has good intentions, just… doesn’t always execute them the right way. 

for every ➰ I get, I’ll reveal a muse that I played in the past. send 💭 for a muse I wanted to write for but did not.

[alpha-nymeria]

Less random encounter-y than the others, but I’ve collected some tidbits from listening around over the years! I’ll probably revisit this to correct details later on.

My great grandfather was the bastard son of some royalty apparently? Not very close to the throne but still with the blood.

Another relative dated one of the famous football managers for a few years on & off & I cant remember his name rn because I reallly dislike football?? Will update later.

My grandmothers (?? Need to double check relative) best-friends-daughter was part of a small pop or rock group called Fuzzbox, which was reasonably successful, kudos to them!

A cousin of mine dated the actor who plays Ross Poldark atm for a while! My mum was very bitter about not meeting him.

More on the infamy side?? But my grandfather was ~2nd on the IRAs hitlist for a whole loT of the troubles,, I never knew him as he died when I was really young but it’s remarkably different to find anything about him online ;(- all my info’s word of mouth from relatives.

My great grandfather also travelled off to preach in America for years, & seemingly did pretty well for himself as we had Americans coming to get a glimpse of the old family farm for years after his death.

let’s talk about our random links to celebrities!

serena william’s husband once bought me & my classmates a round of whisky

[anxiousheart4]

Looking for a Lifeline!

I know it's been a while since I’ve posted in my own words, in fact it's been almost a year, I’m sorry for that. I’ve always been terrible at keeping up with journaling, so why would I think blogging would be any different? Lol. 

If you haven’t noticed, I am a fan of TWLOHA and its message to everyone. I've always followed them, and they mean a great deal to me. So I hope in my absence, you’ve enjoyed the posts of theirs I've been sharing.  🙂

Anyways, I don’t have any really good excuse for while I haven’t posted for a long while  (well I do between Thanksgiving and Christmas last year, but not since then), and I even got a new laptop this year, that works SOOOO much better then my old, glitchy, slow ass one; so not having a computer can’t be my excuse. And I've had a lot of free time this Summer, so I can’t even say I was busy either. Basically no excuse, but I’m back; so lets catch up.

So, between Thanksgiving and Christmas I was working 4 jobs!

-Mon-Fri 8am-4pm at an office job that I hated.

-Sat & Sun at the Zoo taking kids photos with Santa

-And then Mon-Fri nights, I switched between working at my local GameStop, and helping at my other local Zoo taking Santa photos as well.

The office job I was working was doing bookkeeping at a nursing home. I met some nice residents there, and some mean ones. I met some nice co-workers, and some I didn’t quite get along with. There was 3 other girls in my office. 

One was extremely nice and helpful, and patient with trying to teach me, I got along with her quite well. I would actually have conversations with her, and it felt like she did want to get to know me. 

Another was the Boss’ wife, and she was nice and all, but also very intimidating, and she never made me feel welcomed; she would be having a conversation with the other 2 girls, but as soon as I tried to join the conversation it was like “we got to get back to work” and the conversation stopped. 

And the last girl, I would have thought I would have gotten along with her so well, we have the same taste in music and tv shows, I was like oh yay we can bond! NOPE! I did everything she gave me to do, and asked me to do and it was never good enough, or fast enough, or competent enough, or just enough. She made me feel like a complete failure! And unless she needed me for something, it was like I didn’t even exist! She would go out for lunch, and ask the other 2 girls in the office if they wanted her to bring back anything, and she never even looked my way and asked me once, never! Seriously the best days at work were when she didn’t come in for some reason or another.

Besides the one girl, no one else ever tried to make me feel welcomed in the office, I spent 6 months of my life feeling like an outcast at work, looking for a lifeline, just trying to survive. Apparently the girls in the office went out after work and hung out together, not like I was ever invited to join and get to know them. Instead I went to the movie theater next to work where a friend of mine was a manager and would stop in to see her or go see a movie all by myself. The only time I was ever invited out with them was when they would go to lunch for someones birthday, and still I think that was mostly because every one split the bill evenly except the birthday girl (which I do approve of), so it was a little less money for everyone else. Only the one girl made me feel like I was actually welcomed, otherwise I just listened to their conversations, cause no one seemed to wanna include me. And Surprise Surprise! They never did anything for my birthday! They do all this stuff for the employees birthdays, bring in breakfast, go out to lunch, decorate their office, etc. all I got was a generic card they did for everyone “Happy Birthday from ’The Companies Name’”.

I think one thing that can make even the worst job in the world bearable, is your co workers. I’ve had some terrible jobs, but I had some awesome co workers, so I didn’t dread going to work as much everyday because I got to see them. Safe to say, most of my coworkers there never made me feel like a coworker, a friend, or anything else. I went to work everyday dreading the next 8 hours of my life. When I got let go, I never even said good bye to any of the other people who worked I the building, I only said good bye to the nice one in my office and that’s it. So the ONLY things I liked about the job, was that I got to sit down to work, and the money, oh the money! I miss the money soo bad! But the job gave me SOOO much stress and anxiety, idk if it was worth the money. 😞

Although, I was able to buy my new computer, a MacBook Air, and I have wanted a MacBook since I was in high school, I just could never afford it.

My other jobs, were pretty good, only minor complaints. But I LOVED my coworkers at the other 3 jobs! The biggest complaint was that I had no time to myself because I was so busy.

Gamestop was cool, after only being there for a couple weeks they interviewed me for a supervisor position, they believed I was competent enough! The only reason I didn’t take it, was cause I got the office job, and I couldn’t turn down the money (though now I wish I hadn’t, it would have saved me soo much stress and anxiety). So I stayed seasonal, so when the holiday season was over, my employment was over there. 

The one Zoo I worked at during the week, I've worked at for years now, and I love it, and the guys who play Santa are sooo nice, I get some really nice guests, and 90% of the time everything goes smoothly, and I actually hang out with my coworkers outside of work! 

The other Zoo I worked at Sat & Sun was pretty much the same as the first Zoo, I love my co workers, and actually hang out with them outside of work. The big complaint about that Zoo, was the guy who played Santa. HE WAS AN ASSHOLE! He had an opinion on everything, and had a problem with how we run our business, and he wouldn’t even let the kids tell him what they wanted for Christmas. We told him we wanted to get a picture of the kids talking to him, and he would tell the kids to “look at him and PRETEND to tell him what they wanted” and then as soon as I took the photo, even if the kid was in the middle of something he would just kick the kid off his lap and move on to the next family. I’m sorry, but if I had kids, I would definitely NOT want them to go see that Santa! I don’t see how so many people line up to see him, and he’s been Santa at the Zoo for years! How has he not lost the Zoo business! But I still like my job, so I'm going back again this year! Lol

Anyways, so that was my holidays, as were coming up to another holiday, lol.

After the holidays, and my busy schedule, I went to Arizona and Mexico for 10 days, and it was AMAZING and relaxing, with only a few hiccups. Like an all inclusive resort without free wifi! What is that? I was gonna use wifi to check in with family back home, but that didn’t happen! And the the room was falling apart, and one of our rooms had bugs in it, and maids didn’t clean very well, like wtf kind of resort was this? But besides that, I got to see and hang out with my sister from another mister who lives in AZ and I don’t get to see often. We went line dancing, which was FANTASTIC! I got to spend my 29th birthday in Mexico, Florida, and AZ + flying over the states between! And with the time difference my birthday lasted 26 hours instead of 24! And I didn’t think about work once during the whole trip until they day I had to come back, and it was because I didn’t wanna come back and go to work!

WOW this is getting long, I'm sorry, only a couple more topics I need to talk out. Its been a very stressful year!

Well after I lost the office job, I've been pretty much Ubering for money, and not making too much of it. But all summer I got to spend weekends going to Bridal/Baby Showers, Weddings and family parties, which I've never really gotten to do before (well besides the weddings, I've never missed a family wedding), so that was awesome! And the weekends we didn’t have an parties, I went up north to my family’s summer home, which my parents just got about 2 years ago, and I’ve barely been able to go before. Which is soo much fun! Ice cream socials, the pool, bonfires, drinking games, bar hoping out on the boat! Nothing about it isn’t fun! So YAY!

If you remember, last November I moved in with my 93 year old grandma with dementia. This experience has been stressful. She spends her days trying to call her mother and grandmother, who are at the cemetery; pacing around the house; she puts dirty dishes in the dishwasher away and washes clean dishes twice; she sets the air conditioning and heat up to 80 degrees, I swear she’s trying to kill me. Its very hard, but I love her, and I love that I get this time to spend with her. And thank god for my mom who is only a call away to help with grandma when my anxiety is through the roof and I can’t deal with her atm, I wouldn’t survive this without her!

This week is going to try me though. I’m staying home all week with grandma, because she just had surgery. She had skin cancer on her nose, and they had to remove it. She’s fine, but she has a bandage on her nose that she isn’t suppose to take off, and yet she does like every time I look away, she’s not supposed to irritate it by touching it or blowing her nose, but she tries to blow her nose every 5 mins. And she’s suppose to sit down and relax with her head back so it doesn’t start bleeding again, I swear she won’t stay sitting if her life depended on it. Ill probably write more about living with her at a later date, but Ill leave it to that now. 

Lastly, while I was sitting down writing the blog post, I got a call that just devastated me. My grandma on my other side, has been having some health issues the last week and it has not been looking good, I was going to go see her tomorrow night. Well my mom called me to let me know that she passed away tonight. She was 82 years old, and though she would technically be my step-grandma, she was the only one I ever knew on that side, and I loved her just the same. My dads mom died of tuberculosis probably about a decade before I was born, but my grandpa remarried an amazing woman, and some of my extended family had trouble accepting her (the cousins opinions, usually based on their parents, who probably thought she was trying to take their mothers place, like some kids react to a step mom), but I always saw her as grandma. What kills me is the last time I saw her, I didn’t even get a chance to say goodbye! It was my cousins wedding at the beginning of October, and even though I talked to her during the wedding, when she left that night, I was out on the dance floor or somewhere, and didn’t know she was leaving, so I never said goodbye. And now I'll never have the chance too!! I know she knew I loved her, and though her body was deteriorating, her mind was still has sharp as ever! She was a sweetheart! And my sister and I kept saying we were going to go visit her and bring her dinner, or watch the Blackhawks game with her, and as much as we said it, we barely ever went, and I really wish we had! She was an amazing woman and I’m so happy I got to call her Grandma, but I’m going to regret not spending more time with her when I could, especially near the end! When my Grandpa died, over 15 years ago, I had actually seen him the week before, and gave him a hug and kiss goodbye before I left. Plus he died 2 days after Christmas, and he used to give all the grand children $10 for Christmas (there was 29 of us at the time so for him that was still a lot of money), so I had gotten one last Christmas present from him, which I never spent. I have $10 just sitting in a jewelry box, because nothing ever seemed important enough to spend it on. And after he died I was given his guitar, which I still cherish! I fear I won’t have nothing but 1 picture with my grandma to remember her by. Its going to be hard to say goodbye!  😭

So since its 2 am, and I've been holding back tears while I've been writing this post, and my anxiety and depression will probably be bad this week, I think its time for me to go to bed. Sweet Dreams sweet readers!

[weannoyingbouquetgalaxy-blog1]

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"auto insurance chicago

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If you own an RV and you live in it but you don't drive it.....does the auto insurance mandate apply to you?

Which is cheaper to insure a car?

I'm going to get a car for college, but I just need some information. My parents have AAA. Would it be cheaper to add the car onto their insurance (and pay them), or start my own insurance account with a different company?""

Does anyone have term life insurance with primerica? Are rates with another company better?

Does anyone have term life insurance with primerica? Are rates with another company better?

""Car insurance,if im fully?""

If im fully comp on my own insurance, could i buy another car and not pay any more premiums.""

HEY TEENS! How much are you paying for car insurance?

Anyone under 20, what do you pay for auto insurance? And what do you drive? Are you on your parents insurance? Did you use to pay more or less before?""

How much is your auto insurance?

Im trying to get n average estimate of auto insurance since i will be driving soon. I know its diffrent from your insurance company but if you live north carolina and your a teenager with a used car what would it most likely be?

Which company has the best deal on maximum coverage car insurance?

I live in Ohio, and I have a lease which requires that I have extremely good car insurance. I was paying 140 a month on my fathers plan with a discount which was ridiculous in my opinion. Now I have to get my own policy, which places would be the best to get quotes from? I need it asap.""

""What is a good but cheap body shop around the riverside, CA area which will work on an nissan altima?

i wont use insurance on it so it must be very affordable. theres alot oof scratches

Question about car insurance?

1. How long does it take to get insurance? Can we go in and apply for it tommorrow and have it when we walk out? Or is there a waiting period? How long until you are legally covered? 2. If you get insurance on a car you are going to sell/trade in - can you switch over your insurance to cover the new car? Or how does that work? Problem is, our truck isn't insured right now but we're planning on buying a new car in the next month or 2.. will that make things more difficult for us? - first time insurance buyer""

Where can I get affordable healthcare?

I am a Iraqi war veteran with a serviced connected disability of 50%. I would like to find good health care for my wife a full time student that is affordable. I have done searches in places like www.eHealthInsurance.com and the insurance is either really expensive or it doesn't cover much which could make things expensive. Any suggestions would be great.

Car Insurance for a Month?

I am going to be at law school and only need car insurance from Mid December until Mid January. Is there a special type of insurance I can get so I don't have to pay year round? The cars will still be covered by my parents the rest of the year.

Ca insurance rates question ?

My car insurance for me is almost $300 a month !! I have the chevy cruz ! Im 18 right now how long will it be till my rates go down a bit ??

Can a 16yr old register a car in his name in TEXAS and can he still be on parent's insurance?

Does anyone know for sure if it is legal in TEXAS for a minor to purchase a vehicle in his name? The car lot said it was okay but my insurance company says that it must be in my name for him to be on my policy. Is that true?

What is the CHEAPEST homeowner's insurance around?

Along with flood insurance and car insurance, but the main thing is homeowner's insurance. They've gone up on us something fierce, and we don't live in a mansion. Affordable homeowner's insurance is the question. Thank you.""

Insurance on mustang?

I am 16 years old- male and i am thinking about purchasing a 2002 black mustang( convertible) and i have already spoke to the man selling and all i have to do is go pick it up so i was wondering what would be the cheapest way to go on car insurance. My parents have state farm, and if have my own insurance i would only be paying for liability. Does anyone know how much that would cost monthly or whats the cheapest way to do this?""

Moving out and my father says my insurance rate will go up some $80 or so. Hmmm?

Im 19 years old, and moving out of my parents house within the next month. Im already paying $140/month full coverage through State Farm, and my father says that if I move out, my insurance rates will rise approximately $80, to $220/month. Im just curious as to know if he wants the money himself rather than the insurance company? Fact or Greedy Father?""

What do you put on a car insurance quote when your penalty has expired?

i had a penalty for 3 years that ran out in 2008 but when i look for insurance they ask for any penalty for the past 5 years. Do i say yes even though it expired in 2008?

Hi there!Does anyone have a clue for cheap a car insurance?

i got my licence since june last year ,in november 2009 i bought a vw golf mk3 1.6 manual and i got it insured with swiftcover for 154 a month now the insurance is due for renewal and they send me a new quote for 138 a month,wich i think is still a bit too expensive! PLEASSE HELP!!! THANKS""

Insurance on a ford fiesta 1.25 GHIA?

im 17 and will be having my full license at the very latest January the 1st just wondering the average price for cheapest cover, 5 door 1.25""

auto insurance chicago

auto insurance chicago

What would be an inexpensive car insurance company for drivers that dont have the best record due to speeding?

i live in Jacksonville,Fl if anyone knows a cheap insurance company""

What is good insurance for teens?

Can I have some good companies? I want the basic insurance package. im 17, male, senior in HS thank you""

I'm moving out of state - do I have to change auto insurance companies?

Explanation - I went through a local auto insurance company called ABC Insurance (not the real name, btw). They got me the lowest rate through XYZ Insurance, out of a different state. I'm moving out of state in a few weeks. Do I have to worry about finding a new insurance company if the one I pay my bill to is out of state anyway? After the move, I will actually be physically closer to that company... but still out of state. I never deal with ABC anyway. It's like they are just the go-between that found me that company.""

Health Insurance question?

My husband's boss won't offer them Health Insurance. Where can I call or what can I do to ask if he has to offer them insurance or not. Please help!!!!!

Can I get private insurance with a van?

Hello Yahoo, I was interested in buying a bedford rascal for my first car however I've been doing some research and talked to a few people and they tell me if I buy a van then I'll probably have to buy commercial insurance with it- is this really true? Can I not have it strictly for private use? And finally, If I really do need to buy commercial insurance with it, will it cost a lot more than private insurance, and whats the pros and cons of commercial insurance over private insurance? VAN OWNERS! HELP!""

17 year old motorcycle insurance cost?

Hey I am looking to get my motorcycle license and was wondering what the cost for insurance would be. I already have the motorcycle, a 1982 Yamaha xt125 or I may look into getting a Honda rebel 250. I would just use it for shorter commutes. Any estimates would be greatly appreciated. Thank you.""

What is the difference between insurance and banassurance?

Ex. Insurance deals by LIC, GIC Banassurance deals by banks""

How much would you think a 2009 mustang gt insurance would cost monthly?

For an 22 year old male??

Just got in a car accident...I'm 16 we have USAA. How much will my insurance go up?

I was being stupid and driving too fast on a wet day. I spun out and hit a wall (thank god I'm okay) and damaged the back right on my car pretty bad. I know our deductible is either $500 or $1000 but my question is about my much will my insurance go up? I know its not going to be pretty since I've only had my lisense for 10 months...

Car accident and insurance/how much in repairs?

I got into a minor car accident yesterday afternoon while I was parallel parking on Walnut Street in Philadelphia. I was backing up and I hit the curb. The front end of my vehicle was still sticking our quite a bit, so I pulled out a little bit so I could pull in the rest of the way. The person behind me thought that I was done parking so pulled around me and I ended up hitting her. Her fender and her door skin need to be replaced. Does anyone know around how much this would cost to repair? She had the police come so I am assuming that she wants the insurance company to cover the damage, however I would rather pay for it out of pocket. Obviously, my insurance company is going to find out about the accident, but after the insurance companies decide the breakdown of the fault, would I be able to pay for my part of the damages without my rates going up? Or at that point would it not matter, my rates are going up anyways? I ask this because I'm 19 years old and would prefer to not have my rates go up.""

16 year old insurance on a ford torino?

i need to no the price and insurance rate on a 70's model ford torino im 16 live in oklahoma give me your estimate not a website...

How much would insurance cost around for a 2002 ford explorer for a 16 year old?

please don't tell me it depends and such...i just want a range Thanks

""With regards to auto insurance, what does having a deductable mean?""

For example, if I have a $500 deductable, what exactly does that mean when claiming from insurance?""

About how much would insurance cost for a 2004 subaru wrx?

for a 16/17 year old im a student and i took driving course does the subaru impreza RS have alot cheaper insurance i dont need exact price just a bout how much how about a 2002 or 2003

Is it true you get percent off your insurance?

like i have a drivers ed. class and im 16. u need to pass the drivers ed test with a 80+, but my friend said if you get a 90 or above you get like money off of your insurance. I just wanted to know if that statement is true?Oh and i live in NJ""

Teen Car Insurance + Accidents Clarification?

I'm a 16 year old girl who just got her license in March. A week after I got my license, I rear ended another car while driving my mom's new car that is insured. We got it fixed and only had to pay the 500 dollar deductible. I do not have my own car. My sister, who is 19, has her own car that is not covered on our insurance. My dad's car is not covered either. My sister just got into an accident, rear ending someone as well. I really need to get a car next year for work and such but my parents said my insurance would be high enough already with both of me and my sister's accidents. Couldn't I just buy a car on my own and not insure it like my dad and sister's cars? I really don't know how car insurance works at all, i only know what my parents tell me, so any help would be appreciated :)""

Where can I get low income car insurance?

I am on a buget. my car is oldmobile delta 88 year 86

Insurance Company Policy Number California?

I was rear ended and I obtain the person of interest's driver license, license plate, name, and policy number, but did not get the insurance company's name. I tried calling the suspect and came into her work (subway) to find out the number I was given was incorrect. I tried calling the new number and still no response. I remember seeing that the insurance company was from the Bay Area. The policy number is 1053121297. Could anyone help me connect this policy number format to a company?""

""What kind of qualities should I look for when purchasing a car? ie insurance, modern elements...?""

For experienced buyers: As an entry level analyst looking to purchase a car, I was hoping to get some ideas about my first big purchase. My norm has usually been purchasing something and regretting it some time down the road ie Bought a Dell laptop, turns out it heats up a lot. Or a new smartphone (android), turns out it freezes plenty. So I want to purchase a car, and was hoping if someone who is experienced could possibly take some time off to tell me what I should look out for. I understand insurance is a *****, and even though cars are affordable on lease, the insurance will get you. My objective: Car : Lease a pre-owned or 2nd hand car, possibly 2012 or 2013 model, 4 door, sedan. Insurance : Max coverage, low payment (ideal but, shoot for the stars and....) Questions: I understand there are qualities or modern elements like lane stabilizer and effective cruise control that can reduce insurance coverage. How effective can they be? What kind of sedans have low insurance and are modernistic, such as built in navigation and those cool looking monitors? (kind of childish) Which insurance coverages are the most important, there is basic, comprehensive.... If you need additional information, I will be checking this question hourly and will be glad to provide additional information. Thanks!""

Auto insurance ???

who do auto insurance companies answer to? Auto insurance is a state requirement, but if an Auto insurance company makes a mistake of some sort who are they responsible to? everyone answers to someone...""

""In California, how do you show proof of insurance for a driving test?

My girlfriend is making an appointment for her driving test and I offered up my car for her to use.Does she need to be added to my insurance to take the test or does the DMV just need proof that the car is insured under someone's name(me)?She won't be driving my car aside from the test as she is buying a used car immediately after the test and getting insurance on that.

Do I need insurance for one time poetry event in Chicago?

I'm looking to rent a church Rectory to artists for events like open mic's, gallery showings, and other small (20 people max) one time events. Do I need insurance outside of the home insurance the Rectory already has?""

How much will I pay for motorcycle vs. moped insurance in Wa state?

How much will I pay for motorcycle vs. moped insurance in Wa state? M/19/3 accidents? First of all, I'm tired of trying to get quotes online. Could someone with some experience or knowledge around this give me a fairly accurate ballpark of what it would cost to insure myself? I live in Washington state, I'm a 19 year old male, and I've been in 3 accidents. The first was early December 2010, the second was late December 2010, both. Both were my fault, rear enders, and low speeds. The first one earned me a ticket for basically not paying attention, no injuries occurred. The first was a little over $3000 in damage, the second was 500-1000 and totalled the 99 vw jetta. The third accident was driving my girlfriends car and my insurance company was never involved. It was about 1600 in damages and was determined to be 50/50 fault by her, and the other drivers insurance companies. There will be 3 people total in the house, all of us drive. I'm looking into either a mid-late 80's Honda, a Rebel possibly, some kind of cafe racer, or a newer 2000's moped. All used, I'm looking in the 600-1000 range. I work full time and am attending college, I'm trying to compare pricings for motorcycles vs. mopeds that are roughly the same cc's, around 200-350.""

What Texas insurance company covers composition over wood shake shingles?

Hi everyone I'm selling a house and want to be prepared to answer questions about insuring a roof with composition shingles over wood shakes (or wood shingles). I have a major carrier, but I've heard there are insurance companies that refuse to insure these roofs these days. I'd like to know for sure what insurance companies I can say cover these roofs. I am in Dallas, Texas, so it should be a company that is in Texas. Thanks so much for your help!""

Can anyone tell me a cheap car insurance?

Can anyone tell me a cheap car insurance?

auto insurance chicago

auto insurance chicago

How much car insurance for 16 year old?

The state of Louisiana. The car is a Lexus GS 2003. My family has a total of 3 drivers already. (4 Plus me) What does car insurance depend on?

Nj motorcycle insurance?

im 23, male, have a pretty good car driving record (if that helps), but my credit isnt that good. how much (ball park) would it be in nj for motorcycle insurance. im planning on purchasing a bike in the next 8 months and wanna know how much i should expect to pay for insurance. i will get a quote, i just wanna know from you guys a rough estimate. thanks""

How do we get life insurance?

im 45 & my wife is 42 we have 2 kids one is 18 and one is 20 we never had life insurance before 1.how does it work? 2.is it expensive? 3. how much money can you get? 4. what company is the best to choose? 5. can we still get life insurance? please answer all my questions dont put stupid answers :)

Questions about motorcycle insurance?

I am planning on buying a 150cc scooter in the Spring. In Michigan, my home state, these are considered motorcycles. Also, in Michigan, they must be insured. My questions are: (1) If I am only riding my scooter for three months out of the year, will I still have to pay for insurance during the fall and winter? (2) What is the cheapest motorcycle insurance out there, and typically, how much would I be paying per month? I am a new cycle rider, but have driven a car for 5 years without an accident.""

How much does it cost to repair a small dent?And also insurance question/?

well i have two questions... how much does it cost to fix a small dent maybe 8 inches in diameter no paint scratches. Im really mad this happened to me this guy who is a complete jerk said i hit his car which i did but he claims it was in the back of his car where the dent is located but i barely tapped it on the front door not the back while i was trying to get out of some dudes parking spot. Also my other question is will insurance cover it if insurance is under my dads name but the car is under my name? we live in evansville indiana. and i think it is farmers insurance.

How much would insurance cost for a 16 year old?

I want to buy a 1 year old camaro but was wondering how much insurance would cost for a 16 year old male. I need an estimate for the cheapest insurance. Even if the liability is really small.

Does cheap health insurance exist?

I relocated because my wife found a better job but problem is I don't have insurance now my current job doesn't offer it and I can't jump on hers for like a year. Is there such a thing as affordable insurance as in under $150 a month for basic doctor visit co-pays and rx?

""How much would it be if got allstate insurance for a new 2009 nissan altima. im 20yrs old, live with my parets?

my parents have allstate. this is my first car under my name.

Help me with my car insurance question!?

i am currently insured on my grandfathers insurance as a secondary driver because they gave me their car when they paid it off. well now im selling that car and we are wondering how the insurance will work? will i just be able to switch it over to my new car though it will be in my name now instead of his? should i just put the name of the car in my grandfathers name to make things easier? or can it still be done with a reasonable increase on my car insurance? right now i pay 500 every 6 months because of my good driving record and i get the student discount, how much more will it go up if i have a car under my name?""

Can I be insured on my mums car insurance if I don't live with her?

Hi I moved out 3 months ago and I have been put on my mums insurance while I have my provisional licence I will be getting my own car soon and i was wondering if I can still be on her insurance if I still won't be living there ? Thanks Billie x

My auto insurance raised twice as much for not being insured for more then 30-days?

I had auto insurance with state farm and my policy was $180 (just liablilty)per month for 12 months. I ran into some issues with money and could not pay so I cancelled the policy and avoided driving for a little over a month. I recently went to another agency to find a cheaper insurance and they said since i had a registered vehicle that was uninsured for more than 30 days, there is a penalty. Now I pay $340 for 8 months (just liablilty). 3 agency's told me the same thing. My question is will this ever change? How long will I have this penalty ? I have a clean driving record besides this and feel this is unfair and cannot afford it. Is there anything I can do to go back to paying $180p month? When did insurance companies start doing this? I have not found anything similiar through my research. Thanks""

Do you need insurance for a 50cc scooter in florida?

Do you need insurance for a 50cc scooter in florida?

Car insurance quote help!?

I am 18 years old and received my Florida permit when I was 16, and my Florida drivers license when I was 17. I'm looking for a car and have been searching for a good insurance quote. I've tried everywhere from geico, progressive, all state, etc. But they all seem to be VERY high. Anyone know of a cheaper/better insurance company that will give me a good quote? Thank you for the help!""

Is what my car insurance company doing legal?

I am in the process of purchasing a house. I received a quote from the insurance company I picked. And they said they could lower it even more if we add our 2 cars on. So they checked, and their offer for insurance on our cars was lower then what we are paying now. So saving us even more money. I went in, signed the papers for both auto's and the homeowners and was happy. They cancelled my previous auto insurance policies, and charged me my first month. Now, a week later, they are saying due to my previous car being stolen two years ago they can no longer offer me my 100 comprehensive deductible. They can only offer me a 1000 dollar deductible and if I choose not to accept they will cancel my auto insurance. This if frustrating considering my other insurance which wasn't bad to begin with has already been cancelled and I have already been charged my first month so if I don't accept I will have no insurance and my homeowners policy will go up in price. Sorry for the long explanation. I just don't think they should be able to get you in then change things up on you. Is there any law against that? Thanks for your help!!!""

At what age does a car qualify for Classic Motor Insurance?

At what age does a car qualify for Classic Motor Insurance?

How much does a person riding a motorcycel have to pay a month for insurance?

also provide your age, becuase i heard the older you are the less u have to pay..""

What the best insurance company for me?

so I'm 19 and havn't have my licence very long and I drive a race car... but I want good cheap insurance like allstate or statefarm I'm looking for good coustomer service that makes me feel safe... so whats the word... any coustomer service stories?

Is it true that if you have full coverage insurance on a rental car... (please look inside)?

They can't ban you from renting from there for the rest of your life? OK. Back in 2005, I rented a car from Enterprise with FULL coverage insurance. 1 day I was on my way to school because I had a deadline to turn in a research paper that was 30% of our grade, & my sister 2x my age locked me in the house on purpose & thought it was funny. I got in the car, & drove it to school, & I panicked & got into a wreck & the car crashed into a tiny tree on the median. It was only a fender bender. But the company tried to say it was totaled for over $2,000 worth of damage. Everyone else who saw, said it was a fender bender. The twigs got inside the light on the left side of the front of the car. But that could've easily been fixed. Not sure. But the wheel alignment was messed up. Does that mean the car is totaled? What does TOTAL a car mean? That it couldn't be fixed? Well, I was just talking about it today, & a lot of people online had ganged up on me & attacked me. Now I'm feeling sad & hurt. About to cry. & they were calling me dumb, irresponsible, etc. Very hostile & angry @ me. They act like I wrecked THEIR personal car! People get into accidents all the time. Anxiety disorder or not. & they were saying that since I had full coverage, I shouldn't have been banned. & they were saying my story didn't make sense. But people look for any & every reason to discriminate against me. It's not fair.""

What are some tips to get cheaper car insurance?

I have a very poor driving record. Right now, I'm paying about $4,000 a year to insure my car. It will probably go up when the policy renews in Sept. What can I do in the meantime? Should I take the defensive driving course? What else? I've tried to shop around but GEICO gives me the best deal at $4000. Some other companies would not insure me at all. Others wanted thousands more. What should I do? I really like the convenience of having a car and I would probably cry if I had to sell it. I've had a car since I was 19 and I'm 26 now.""

What is the most economical route to buy affordable yet adequate health insurance?

I am not working and have limited income. I have no known health problems. I am 60 years old and I do not smoke or drink and I exercise regularly. Does anyone know the best way for me to find out who to contact? I live in KY...one of the worst states for insurance. We do have Blue Cross and Humana that I know of... I would like to have no more than a $2500 deductible. Thank you so much for your answers. God bless!

Would a BMW Z3 be expensive for a teens insurance?

Would a BMW Z3 be expensive for a teens insurance?

Has the Affordable Care act made your health insurance more affordable?

Mine is going up $150 every two weeks for a $4500 in network $9000 out of network plan starting next year. Seems most people I talk to report similar numbers.

""BMW 318i 53 reg, insurance new driver?""

Parents may be buyign a new car, how much would it cost to insure a new driver on a bmw 318i 53 reg, about 30000 miles. Insurance would probably be on parents policy, 30+ years no claims, safe driving etc.""

How much is car insurance for a 16 year old?

Hello. I am a male and I will drive a 08 mustang. none of my parents have caused an accident.

Financed a car- car insurance went WAY up?

My husband and I recently sold our old car and financed a used low mile 2007 ford fusion. Our car insurance previously was around 60 dollars a month, now it's over $200.00. The reason our rate increased was our finance company requires certain insurance (comprehensive and collision) that we didn't have before. My question is, do we have to keep this insurance on the car throughout the financing period? They sprang this little tidbit on us right before we signed. We tried to get financing three weeks ago and suceeded, but the person working with us went out sick with swine flu and no one from the bank let us know. We ended up calling last week and they put us with someone else/ It put us in a time crunch since my husband was leaving for Naval OCS the next day. If we have to pay it, it's not a big deal, but we're a young couple and it's money we could be putting towards our student loans.""

auto insurance chicago

auto insurance chicago

https://www.linkedin.com/pulse/can-i-buy-salavage-cars-from-insurance-companys-daniel-mccullough/"

[lewisgabriel84z31]

Dash Crosses $1000 And Preps for Even Bigger In 2018

Dash Crosses $1000 And Preps for Even Bigger In 2018

Last weekend saw Dash exceed $1,000 as it hit $1,500 per coin for the first time since its creation. Cryptocurrencies have been growing really fast in the last quarter of the year, and Dash has not been left out of this great climb; particularly in November, considering the fact that it had been consolidated for two months prior to its rise in value. As at November 6, Dash had just begun its rise from the low $274. Today, six weeks down the lane, it stands at over $1,100. Much more is the fact that Dash had begun the year with a rather poor $11 dollar, thus its current value is about 139 times its initial year-begining value within a timeframe of 12 months.

Software Update

Dash’s growth can not be attributed to only the increase of investors’ interest in cryptocurrency, the technical staff at the management of Dash Core also need to be given much credit. The release of the Dash 12.2 software upgrade made a whole lot of things with the regard to the digital currency very easy and simple. Most notable of all was the increasing of the network’s blocksize to 2 MB. A greater chunk of the other updates that came with Dash 12.2 were bug fixes, most of which are setting up the stage for next years Evolution software update.One of Dash Core’s developers stated these as being the major tweaks in the new update:

DIP0001 implementation (which is a 2MB block upgrade);

Transaction fee reduction 10x (activates via DIP0001 activation);

InstantSend vulnerability fix (activates via DIP0001 lock in);

PrivateSend improvement which should allow user to have mixed funds available much faster;

Various RPC changes;

Lots of backports from Bitcoin Core and refactoring of our own legacy code which should improve performance and make code more reliable and easier to review;

Experimental HD wallet with BIP39/BIP44 support.

The bigger blocks code that was approved back in 2016 by masternode owners also got introduced in the new update. However, it only became active after a month (December 5) of the update’s release.

Some other reasons that could be contributing factors to Dash’s growth are its integrations and big blocks and the update that is meant to be the game changer – Dash Evolution.

The Evolution

Everything needs to be improved upon if it is going to last. In a world where technology seems to be evolving much faster than we could ever think of, softwares are being updated every single day in an effort to make the user experience better every single time. Cryptocurrencies have a lot more to do with softwares than even the supposed coins you see every time, thinking those are what you are actually buying or selling. Mining and circulation of cryptocurrencies all have to do with softwares and a bunch of codes and a whole of tech savvy stuff. And because of this, mostly it is the much “techy” younger generation who are able to involve themselves in the cryptocurrency world, well, that is all about to change. Dash has been working towards making cryptocurrency so simple that “even your grandmother can do it”. Dash’s team of experts having been working towards this very goal for a long time, and software updates have been one of their greatest achievements in this area. Dash 12.1 & 12.2 have all been successful updates that are setting up the stage for the main update that is meant to change the way Dash operates and is even seen by people. This is the Dash “Evolution” software that is scheduled for release in 2018. Dash Core CEO, Ryan Taylor, writes this about the upcoming update:

“Think of Evolution as online payments, a system similar to PayPal or Venmo, but completely decentralized, so that a user is always in control of his or her own money.”

It is very clear that Evolution is a very big deal for the Dash Core team and that its success is going to change almost everything about cryptocurrency. However, what remains unsettled is issue of if the team can actually succeed in creating a system that conveniently emulates or even replicates PayPal but in a rather decentralized system. One thing that one can certainly say as being the reason for increased investor interest in Dash (as a build up for the release of Evolution), considering the success of its previous softwares.

More Partnerships and Integrations

Within the course of the year Dash has made several alliances and integrations with several bodies in an effort to attract more investors. They made a partnership with Alt36 to integrate Dash as payment system in the legal marijuana industry. Exchange service providers like Huobi, Kraken, and Bitfinex have added Dash to their platforms. There is also another partnership with Arizona State University to begin a Blockchain Research Lab. Ryan Taylor also teased more partnerships in the future at the Dash Conference 2017. Some of which were:

An additional ATM manufacturer

Global brokerage service with free bank transfers

A healthcare integration

Dash will have access to 20 new fiat currencies.

On-Chain Scaling and Bigger Blocks

When bitcoin tried introducing on-chain scaling by the use of bigger blocks, most bitcoin owners did not agree to it and a majority of them switched to bitcoin cash, with some others also turning their attention to Dash even though it did not really have much to offer at the time. An article from Cointelegraph stated that

“It’s possible that Dash is benefiting from the renewed attention on Bitcoin Cash, and by extension, on-chain scaling and bigger blocks. Dash’s 2 MB upgrade was just a start, with 5 MB blocks planned for the not-too-distant-future. Eventually, Dash plans to increase its blocksize to hundreds of megabytes.”

One of Dash’s co-founders, also revealed that 45% of block reward went to masternodes owners who were now eligible to upgrade to special hardware. In fact, doing the math with Dash’s current price, every owner of only a masternode earned $10,500 per month.

http://ift.tt/2BBPxXj

[weannoyingbouquetgalaxy-blog1]

Doubt on two wheeler insurance ---Help?

"Doubt on two wheeler insurance ---Help?

My father has purchased a second hand bike for me but it is registered with my father name. I am going to use this bike. Now i have the following doubts 1. can i need to buy a new insurance or i can renew the existing bike insurance of bike seller. 2. if i need to buy a new insurance , with which name i need to buy ? my fathers or mine ? 3. can i use online facility of ICICI Lombord ? there it is showing the following 2 options 1.Buy insurance for brand new Two Wheeler 2.Buy insurance for brand new Two Wheeler which option should i choose?

BEST ANSWER:  Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr 

RELATED QUESTIONS: 

How does car insurance work? (also whats better buying a car vs leasing)?

well im 16 right now. planning to save up till 18 and buy a car. my first question is, how does car insurance work? i know you have to pay monthly and depending on each car its different but would car insurance be cheaper when the car is leased? or when its bought? also i know each car depreciates alot every year. at first i was thinking of leasing it but now im not sure. can someone tell me what would be a better choice on the long run?""

Cheap insurance for a 16 year old boy?

My first car is gonna be allot more expensive then the average first car because its a Lincoln aviator, the only problem is that even though the truck is $7000 (after safety and etest and all that needs nothing else) witch i can afford, the insurance is $1000 a month witch i can't afford! is there anyway to possibly go under my parents insurance or something like that? if so how would i do that?""

""No car, but required car insurance?""

I drive a company vehicle for my job. Due to recent accidents (I was not involved) with the company vehicle, my job had all drivers sign a paper stating that we have personal insurance, valid drivers license, I do not have a working car atm, so I do not have personal insurance. They have pulled me off my driving job and if I dont figure anything out I will lose 16 hours of work a week, is this legal? And does anybody have any suggestions for me?""

Does anyone know how much it cost to insure a honda integra ivtec 2006 model car ?

i was wondering if anyone has this car and how much they pay for insurance. i am under 25 years old living in NZ. car has no modifications or anything all factory standard and is parked in garage at all times.

Around how much will car insurance cost?

I'm turning 16 in January and want to get my license. My parents are adding me onto their State Farm account, but I have to save up enough to pay my insurance for at least a year first. I know I qualify for the good student discount because my GPA is 4.0 and I'm going to be in the National Honors Society. I live in the suburbs of Pennsylvania so I hear it should cost less than if I lived in Philadelphia. So, around how much will this cost?""

I need as much help and info about mopeds (UK) as possible please!?

What are the best types/ names of mopeds suitable for a girl? Do you have to take a test or lessons to drive a moped? If so how much does this cost? How much on average would insurance be for an 18 year old first time driver for a moped? How fast can mopeds go, and can you drive them on motorways? Any other useful information would be appreciated, thanks if you can help!""

Wats the cheapest insurance in oklahoma?

Wats the cheapest insurance in oklahoma?

Teen insurance for a car!!!!!! 10pts?

Ok. For Christmas.. I'm getting a 2007 Toyota Camry. I Live in Florida, I was wondering what's the cheapest insurance I could get ? I don't want to pay for expensive insurance.. I will need full coverage I'm guessing? I'm 16. If I just add my car too my grandmothers insurance will that be cheaper ?? Thanks ????""

""If you had an extra car that was paid off and cheap on insurance, would you sell it or keep it for a back up?""

If you had an extra car that was paid off and cheap on insurance, would you sell it or keep it for a back up?""

Insurance on a Firebird?

looking for cars with the lowest insurance rates but idk anything about that... i know sports cars are more expensive. age, location, record and all that too.. but are firebirds generally expensive to insure?? and bc its older will it be less expensive?""

A guy crashed into my today and totaled my car-how much will his insurance pay towards a new car?

My car was worth about $8000, give or take (that's what the officer told me). It was completely paid off. How much will the other guy's insurance pay towards a new car, or should I ask for a check? Which will be the better deal?""

Insurance on a 1275 gt mini for a 17 year old?

My friend has just passed his driving test and I'm trying to help him get a car and insurance sorted. He's determined to get an old 1275 gt mini. I can see why though. I've been getting insurance quotes and they're all coming back at over 5,000 every time. I must be doing something wrong. I'm just wondering if any of yous could help me and give me an idea of what it would cost for a 17 year old male who's just passed his test on a 1275 gt? Thanks.""

""Since we pay for car insurance in case sh-t happens, shouldn't we get that money back if sh-t doesn't happen?""

Car insurance is the biggest rip-off ever. I hate paying it. Sooo in case stuff happens, insurance takes care of it but then your rates go up!?! WTF? So if nothing goes wrong for a full year, shouldn't we get our money back?""

What is the best affordable Health Insurance in Las Vegas I'm 24 and don't have any medical conditions ?

What is the best affordable Health Insurance in Las Vegas I'm 24 and don't have any medical conditions ?

Do I Need A Drivers License To Obtain Car Insurance?

Do I Need A Drivers License To Obtain Car Insurance?

Can you file an car accident insurance claim without a police report?

this is re: a very minor accident. our car bumped into the other car after they slammed on their breaks. No damage at all to our car. The license plate and screws are bent on the other car. Other person uncooperative and after we gave our insurance info to them, refused to give info to us. Police on scene did not file report, told us to just deal with it on our own. My worry is, can they file a claim? wouldn't it be just our word against theirs? advice would be helpful thanks.""

How much will insurance go up for a 17 yr old female with 6 months driving experience in an accident?

Accident was her fault. She rear ended a truck. The truck wasnt hurt at all but the car was totaled pretty much. Ticket was failure to reduce speed to avoid an accident. What is a rough estimate of how much insurance will go up for her?

What is the cheapest auto insurance for michigan?

for the most basic insurance

My friend has no car insurance..?

He was driving and its raining outside so the street is slippery. He braked and avoid hitting anyone but it didn't help. He has no car insurance and just hit a car right now. What happens when you have no car insurance and you hit someone's car? I don't think the person will sue, but will my friend have to pay damages and a ticket? Any jail time or suspended license? Anyone experienced that? I know its illegal to be driving without insurance. This is in Florida. Help me out with some good advice or suggestions. Thanks.""

Who's responsible for rental car insurance after an accident?

Last month my car was run into in a parking lot while I was shopping. No question who was at fault. We exchanged information and I contacted their insurance company. Their insurance agreed to pay for all repairs and the rental. However, they did wouldn't pay for the insurance on the rental, claiming it is my responsibility. I only have liability, so the additional insurance cost $8.99 per day, in the end I had to pay $360. I'm wondering if now I can take this to the people who hit me, since if they had not hit me, I wouldn't be out $360. Could I demand them to pay it, maybe even take it to small claims?""

Interest Rate on Auto Loan?

Ok, so I know you can't tell me with certainty, but I just want an opinion. Just take the details and let me know what you think. If I were to take a car loan for about 14 to 17k for 60 to 72 months, I am 20 and have no credit, but it would be cosigned by my grandfather who has a credit score of 690. The down payment would be in the ballpark of $2500 to $3500. Estimates would be great. I don't particularly want to call around to banks and all that right now since I won't be actually doing this for a couple of months, I would just like to get all the figures worked out before hand. I already know what I'll pay for insurance and I've been checking the finance calculators online to see about what my car payment will be, but the interest rate makes it very too much to just guess. I guessed it would be ~10-12%. Does that sound right? I know good credit nets you around 7. Thanks.""

How much will car insurance be?

Let's say i buy a car next summer, i'll be 19 ..on my own insurance because my mom doesnt have a car, it would most probably be on an honda civic, not too old.......average cost?""

Why are car insurance rates so high in sunbury-on-thames?

Thanks

Given an inaccurate insurance quote?

So, in the process of getting a new vehicle I took two VIN numbers to a man at the insurance agency I've used for the past three years. The two numbers were for an '08 and an '09 car (the '08 first just to get a reference). He tells me the approximate increase in my monthly bill will be around $47.50 (for the '09). I go ahead and buy the car, my monthly bill has gone up just right over $200 more. I have already bought the car, paid for the tax, title, licensing and registration... and there is no way I can pay that much more in insurance (college kid here), so I'm going to have to get rid of the car, pay insurance on it for a portion of a month, and pay all the necessary fees on another vehicle. I will easily have lost $1000 because of this guy's inability to do his job. Of course, I didn't get anything in writing (having gone there for three years and never having any other problems...). I really don't know what to do and I'm quite upset about it. Any suggestions?""

Is it possible to find a health insurance plan with no deductible requirement?

I found the perfect plan for $33 a month, but it has a $10,000 deductible. WTF? Unless I become pregnant and have a kid, or need surgery or whatever, I find it impossible to make a $10,000 bill within a year. That's too much. I've always been healthy and rarely need to visit doctors. Then I was looking at other policies and they were more expensive, but they all had deductibles. One was like $160 a month with a deductible of $5,000. And anyways, I'm a college student and financially independent which means that I am no daddy's girl -I have to work to support myself and pay some school expenses. I don't want to depend on my parents financially in any way (they are willing to, but I just feel like at 21, I shouldn't be their responsibility anymore) so I always worry something would happen to me and they would have to pay hospital bills for me. I can't afford paying a very high deductible or a high monthly quote. Any hope for me? ..or should I move to Canada?""

Doubt on two wheeler insurance ---Help?

My father has purchased a second hand bike for me but it is registered with my father name. I am going to use this bike. Now i have the following doubts 1. can i need to buy a new insurance or i can renew the existing bike insurance of bike seller. 2. if i need to buy a new insurance , with which name i need to buy ? my fathers or mine ? 3. can i use online facility of ICICI Lombord ? there it is showing the following 2 options 1.Buy insurance for brand new Two Wheeler 2.Buy insurance for brand new Two Wheeler which option should i choose?

Generally how much is car insurance for a teenager with a learners permit in california?

I will be driving my parents car and they currently have Esurance.

""Does insurance cover one driver, or the car?""

Like does the insurance only cover one driver, or does the insurance cover the whole car and whoever is driving? Like can I drive another person's car if they are insured? How about my parents car?""

Will insurance rates change depending on what state your license is issued from?

I'm buying a motorcycle and i live in Florida now. I called every insurance company i could think of and they all gave me outrageous rates just for a bike, but my license was from Ohio at the time. Yesterday i finally got it switched to a Florida license. Will the rates change now that i have a license in the same state I'm getting insurance or does it just not matter? and btw I'm 29 and my driving record is 100% clean.""

Car Rental Insurance?

Liability Insurance Supplement 11.95 USD Loss Damage Waiver 19.99 USD Personal Accident Insurance / Personal Effects Coverage 5.95 USD Which ones are really needed? We won't be carrying any luggage. We are only driving from San Antono to the coast and back for business. One day trip.

How much would it typically cost to replace basically an entire front end of a car?

I was hit by a car shooting out of a drive way and it totaled my buick le sabre. I want to know so that i dont get jipped by his insurance.

Cheapest and reliable car insurace company?

how has the lowest quote out under normal circumstances? i know they categorize it based on age,sex, etc. just tell me who has the cheapest insurance.is it really GEICO?""

Mustang GT for a teen? insurance question?

When i graduate from highschool my dad is going to buy me a mustang GT 2005 and i was wondering if it was a good choice. when i go to college i am goin to hav a job so will i be able to afford a mustang insurance? How much will it run about (estimate). Thx in advance, ~Key key24~""

Is there any low health insurance with low deductible?

I already have an insurance, but my parents don't and my dad can't really afford paying high prices, especially now. I was looking for affordable health insurance with low deductibles because my mom needs to see a doctor really soon and I don't want to delay it because of money issues. Please if you know of any affordable plans tell me. Thank you""

How much does it cost to go for an eye exam in new jersey without insurance?

I want to get my eyes checked and have no insurance.I was wondering how much it would cost? Is lenscrafters good or more expensive? pearl vision?

Which medical insurance company is the cheapest?

I'm 21 college student and I need to get a medical insurance. I live in California. Which company is the cheapest? I was thinking of kaiser but I'm not sure Thanks in advance guys

I have full coverage towards my car insurance. Can my friend drive my car too? ?

I have full coverage towards my car insurance. Can my friend drive my car too? ?

Do I need my own car insurance?

I have paid my car off to my mom. She paid for it initially and is the listed owner of the vehicle. I'm 20 years old. Since she is the owner does that mean she will always have to be the primary driver listed on the insurance? If I move out after I graduate in a few months, do I need to get my own insurance plan on the car or stay on hers? I plan to keep her house as my permanent address for at least a few years until I really settle down. It would be cheaper to stay on the plan with her, but can I do that if I don't live in the same household?""

Buying new car; 1 day insurance?

I am going to look at a car soon, with intentions of making it into a winter project. It is drivable, but I do not plan on driving it until summer. I would rather not tow it home, but without insurance I dont want to drive it. Is such a thing as 1 day insurance an option, just to get it home? If so, how much does this usually cost? If not, are there any other possibilities besides a tow? State of Pennsylvania by the way.""

Help! I need medical insurance! ?

I have asthma with a history of mild depression. I am look for an affordable health insurance. I am 19 years old. Please help!

""Looking for cheap life insurance, any suggestions?

I've heard alot of insurance companies are a rip off. I'm looking for dependable but affordible.

""Looking for good Health Care Insurance, that covers pre-exisitng illness?""

Looking for good Health Care Insurance, that covers pre-exisitng illness?""

Where to buy cheap auto insurance?

Im 19 years old and I have had my license for about a year. I have no speeding tickets and have never been in a wreck. My driving record is picture perfect. I have been driving my moms car and she has had me under her insurance so it was really cheap. But Im getting ready to buy an 06' Chevy Colbat and where I am buying it off a car lot, she cant afford to put me under her name on insurance, becuase I will have to get full coverage as where as before I had liability. Is there a place in WV or somewhere online that offers reasonable prices on full coverage insurance for someone of my age. My mom is telling me my insurance is going to be about as much as my car payment. Is there any way to get it lower? I need a cheap place for insurance! Thnks.""

Does anyone know a good insurance company that will insure a young driver on a sports car?

i'm buying a convertible with a 1.8 engine i'm having trouble finding quotes below 4000, if anyone could suggest some cheap insurance companies that would be great!""

""Cheapest method for car insurance for 17 year old male, UK?""

hy guys, im 16 at the moment, and 17 in november and desperate to pass my driving test ASAP, which is the cheapest way to go about car insurance? ive heard vans insurence is cheaper? or going on parents insurance? im looking to get my own car, not to share my parents. please help me out guys! thanks x""

How much is motorcycle insurance for a 24 yr old in NJ? How does it compare to car insurance?

I can get quotes but just want to get a quick rough estimate answer. And does nj provide refund for motorcycle courses to take to pass the licence? for ex. I know illinois do

""Pizza delivery driver insurance in own car, where can I get insurance uk?

I have been offered a job as a pizza delIvery driver but I need to insure my car with business insurance I have tried everywhere but know one does it please Help x

Individual dental insurance for braces?

What is a good individual dental insurance if I were to get braces? I have done some research and nailed it down to DeltaCare and Pacificare. So which dental insurance is better, or any other suggestions? Pacificare cost slightly less than DeltaCare as far as co-payments go. Both are HMO plans, all the PPO plans covers little to nothing for braces, so HMO seems to be the only way to go for an individual plan. DeltaCare seems to be more reliable since it's associated with Delta Dental, a little more costly also. I'm more concerned about the quality of the services as far as making claims and such. So DeltaCare, Pacificare, or ay other dental insurance/plans? Any personal experience with either of these companies? I am in San Francisco, California.""

How much will it cost to get me listed on my mom's insurance?

And do I have to be on their? I only want to drive it once. Thanks.

What are some good health insurance plans?

We're trying to find one with low Coinsurance, I can't afford to pay 50% on a surgery -_- Anything good and affordable you guys recommend for families?""

Can I be reimbursed for birth control paid for after Affordable Care Act took effect?

After paying my co pay for birth control for about a year, I finally asked my pharmacist what he knew about the Affordable Care Act. He ran my insurance and found out that I was eligible for free birth control. Is there any way for me to be reimbursed for the birth control that I paid for after the Affordable Care Act became effective?""

Doubt on two wheeler insurance ---Help?

My father has purchased a second hand bike for me but it is registered with my father name. I am going to use this bike. Now i have the following doubts 1. can i need to buy a new insurance or i can renew the existing bike insurance of bike seller. 2. if i need to buy a new insurance , with which name i need to buy ? my fathers or mine ? 3. can i use online facility of ICICI Lombord ? there it is showing the following 2 options 1.Buy insurance for brand new Two Wheeler 2.Buy insurance for brand new Two Wheeler which option should i choose?

""Im a 14 years experianced driver , going to reside in USA, Wi, soon ; how will be my Auto Insurance policy?""

Im a 32 years old male and I have been driving for past 14 years. Im going to move to USA , Wisconsin , I would like to know how will be my Auto Insurance Policy? Will I be considered as a new driver , Since I belive I would have to apply for an American Driving license?""

What is the best health insurance plan in Chicago?

I am self-employed and want to get health insurance. I am trying to find the most cost-effective plan with the most service for the lowest price and least hassle.

What does initial debit mean in health insurance?

I got a mail for recently applying for health insurance from Blue Shield of California. It says: Your coverage (individual) is currently paid 12/12/10. Effective 01/01/11, your monthly dues/premium will automatically be debited from your account on the first of each month.Your first debit will be in the amount of $142.09 to cover the period from 12/12/10 to 02/01/11. After this initial debit, regular withdrawals of $87.00 will be made on the first of each month. Ok, so I understand I am supposed to pay $87 each month. But I don't understand the initial debit where it says I have to pay $142.09. What is that amount for? What does it mean? Why is it covering from December to February? Almost about 1 to 2 months. Is that some sort of special payment everyone has to pay for health insurance? Can someone please explain this to me? I never applied for health insurance, so I'm not familiar with how things work. Thanks.""

Where ti find classic car insurance in CA?

i recently bought a 1966 plymouth valiant....it is definitely not fixed up or anything like that it is just your basic old car that is in need of some help...but it runs and drives and will be my daily driver...so i need to find insurance for it......but most insurance companies only go as old as 81 .....anyone know any classic car insurance companies for currently un-restored cars?

Does anyone know about ecar insurance?

I found it is cheap, but Is it good? http://www.ecarinsurance.co.uk""

Will having a hidden kill switch in my car make insurance cheaper?

So basically, noone will be able to start the car unless they know where the switch is hidden. Surely this increases the security of the car, therefore should make insurance cheaper.""

Auto accident??? insurance?

just wondering how much will my auto insurance go up if i file a claim?? there was no injuries and no damage to the other partys car. my car was estimated $4000 of damage to fix.. me and my mom pay $180 a month for 3 cars. 2 full coverage and 1 is only liability. good thing that i have full cov on the car i used.

Question about medical insurance?

how can i find out whether or not my medical insurance is expired or not? i have medicaid and i was told i should receive a letter about the matter in the mail but i haven't yet.

Car insurance on a WRX or Mazdaspeed3?

I am a 17year old guy and since I got into my early decision college my parents are buying me a car. I like power in a car but I dont want an american muscle car because I would like to go in a direction rather than straight. Im looking at a new (yes my parents are crazy for buying new im trying to convince em to buy a slightly used one) Subaru WRX or a Mazdaspeed3. They are going to pay upto 25k for it so the WRX Hatchback just falls in there. I was wondering what would insurance be on these cars for me and any reviews u guys have on them and if there are any other good choices out there that have the same power and handling as these, I would love a rear wheel drive car but I live where there is quite a bit of snow so FWD or AWD please. Thanks.""

What is the cheapest auto insurance company?

What is the cheapest auto insurance company?

Can someone name some cheap car insurance agencies for teens?

Can someone name some cheap car insurance agencies for teens?

""Cheap, effective health insurance?""

I'm a 25 year old, healthy, unmarried female looking for a low co pay health insurance that covers major medical and dental. I need to be able to see my primary physician for annual checkups and hopefully get Invisalign covered under dental as well. I have no pre existing conditions and would prefer a lower deductible... Somewhere up to $5000 in the event a major medical issue arose.""

An individual purchasing auto insurance is an example of:?

An individual purchasing auto insurance is an example of: Answer Hedging. Passing risk to someone else. Risk premium. Systematic risk. a and d

This country needs affordable health care...so why are hospitals so lavish and extravagantly fancy?

Here is a link to the hospital if you think I am exaggerating..... http://www.henryfordwestbloomfield.com/body_wbloomfield.cfm?id=52381 I don't have insurance, and neither does my husband because we can't afford $600 month premiums for insurance that doesn't even KICK IN until you pay $5000 out of pocket! But it is really hard to sit and listen to everyone complaining about the EXPLODING cost of hospitals these days with all the hospitals in my area that are constantly renovating and competing to be the most lavish or fancy or architecturally beautiful when what people really need are just some common sense medical care from good doctors who will take a few minutes to listen to them. For Example, I recently visited a friend who was in a local hospital in my area that has expanded to include the following...A boardwalk with HUNDREDS of exclusive shops (required a trolly inside it was so huge!), marble fountains and floors and glass elevators and railings, live TV shows in their own Greenhouses and celebrity kitchens, multiple conference centers complete with reflecting pools, grand pianos and atriums with full size trees indoors, a pediatric wing that was bult to look like a giant tree house, complete with Tree shaped doors, private rooms with twenty foot long leather couches that curve along the wall for visiting relatives, 72 inch plasma TV's in the room along with Xbox, and complete cable/internet access, Floor to ceiling bay windows for a panoramic view of the gardens and lakes on the property. Now my friend could NEVER have afforded to stay in a hotel this nice, and couldn't pay for health coverage either. Thank God she qualifies for to be insured thru a medicaid program that covers this...but who is paying for all this excessive stuff? The taxpayers in the United States. I can't help but think that she could get really good care at a reasonable cost at a less fancy hospital...but who is going to tell the hospital where it spends it's money if someone is willing to say its necessary to have an UBER fancy hospital in order to give our citizens modern up to date medical care ?""

Do I need to be on the insurance to go to and from school in my friends car?

I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""

Can i get car insurance if i dont have my licence?

So basically I didn't have a car to take my dl test in ( my mom has a stick, and I cant drive it, i tried and failed), so i saved up and just bought a little 2000 saab turbo. Only now i have called Allstate, Geico, and AAA and they all say that 1) I cannot insure my car because I do not have a licence 2) My mom cannot add my car to her insuranve because her name is not on the pink slip, mine is SO is there any car insurance company that will cover my car for like 3 months till I take my test? Like, of course Id have a licenced driver with me in the car so I can legally drive it (im 18).""

How can i get cheaper car insurance at 17?

How can i get cheaper car insurance at 17?

Are home insurance rates more expensive on a townhouse than a single family home?

Are home insurance rates more expensive on a townhouse than a single family home?

Has anyone had a negative experience with Progressive Insurance Company?

Has anyone had a negative experience with Progressive Insurance Company?

Does anyone know any good cheap insurance companies to insure my car?

Does anyone know any good cheap insurance companies to insure my car?

Would insurance on a small pickup truck be more than a small compact car?

I am thinking about getting a small pickup truck (Toyota Tacoma, Chevy S-10 type truck). Would the insurance on it be higher than a Small car like a Honda Civic or Hundi Access? I am 18 years old so my rates are already high and have a clean record and I live in New York.""

Co-op smartbox for young drivers?

I am 18 and considering going through the co-op box scheme for young drivers. Everything about it looks great (I've gone from quotes of 6000+ to 3000!) but there's one area that concerns me - I can't imagine I'll be confident enough driving any time soon to be a wreckless driver, but I intend to go on holiday around Scotland with my friends in the summer where I'll be driving for a long time. I was wondering whether this might affect my insurance premium. So for example if I drove around 5 hours a week, consistently, for a few months, and then went on a road trip and drove for 30 hours one week, would this raise my premium? I ask because on the quote page it asks for how long I'll be driving on a weekly basis. Do any current customers happen to know whether they care at all? Thank you in advance! :)""

Should i get life insurance or not?

i know the end is near for me and i think it would be good for me to get life insurance ive destroyed myself and my own life i think it would be appropriate for me to get life insurance so the funeral could at least be covered thanks 10 points

Which is worse on insurance costs or points a DUI or not haveing insurance?

My insurance company has on record that my husband had a DUI 2 years ago, but he didn't I got the paper work to show that it was a driving without insurance charge but I want to know which is worse to the insurance company.""

High Insurance Rate for RX-8 05'?

I'm 20 years old and have been driving for 4 years now. As of recently, I own a RX-8 05' (1st Car), No prior accidents, never gotten a ticket. Nothing negative what-so-ever with vehicles or finances. I'm paying $1600 and change every six months including discounts such as Military, anti-lock brakes, etc. Insurance company is Gieco. I took in to account that I am in fact a young male with a race car but with no intentions to drive reckless. Its a car that I plan to have for a few years and enjoy driving it before I get something more economically sufficient. My question is... Is this a reasonable payment? Do perks and lower rates come the longer your with a company and continue safe driving?""

Doubt on two wheeler insurance ---Help?

My father has purchased a second hand bike for me but it is registered with my father name. I am going to use this bike. Now i have the following doubts 1. can i need to buy a new insurance or i can renew the existing bike insurance of bike seller. 2. if i need to buy a new insurance , with which name i need to buy ? my fathers or mine ? 3. can i use online facility of ICICI Lombord ? there it is showing the following 2 options 1.Buy insurance for brand new Two Wheeler 2.Buy insurance for brand new Two Wheeler which option should i choose?

Do i have to have credit check to get car insurance?

i have a bad credit form when i was made redundant i am paying them off now but i still owe will i be able to get car insurance with this on my record, if yes could you provide some companies who i could contact.""

I am growing my insurance agency. Any sugguestions on how to avoid the time consuming busywork ?

I am good at getting people to buy from me, but hate all busywork . I am licensed and live in California, and sell personal health, life, car, and home insurance. I recognize that by not doing all the work, from running the quote to entering the data, that I should not be entitle to the full sum of the commission the carriers pay. Is there any franchise out there that has people who do all the deskwork so I can sell more? Its worth it to me to trade off part of the commish if I can get more people to buy from me. And I feel confident that I can bring more and more people in. My problem is that I lose oodles of time working their dec pages, typing in all their data to the various carriers.. Note: please dont answer if you are a recruiter. I am really looking for a good honest perspective from someone who has been in my shoes......Thanks so much.""

How can we get or is it possible to put a freeze for one or two years on health insurance cost?

I see BCBS is going up over 7% for 2011. Is there no stopping these rising costs? my poor pension.

Estimate how much car insurance would cost?

16 year old guy, with a 2001 Ford F250 Supercab, 160,000 miles. How much do you think insurance would cost per month?""

Really cheap auto insurance?

Right now i'm paying about $130 a month for car insurance and I keep getting told thats kind of a lot. especially since I barely ever drive my car because I work right by my apartment and I don't go to college yet. I live in MN and was wondering if there was a car insurer that would be cheap?

Car insurance for a japanese import?

I am looking for car insurance for a japanese import car and I am trying to find companies which will deal with imports and are cheap. I am only 18 so I know that the insurance will be pretty expensive but if anyone has had any experience with imports at this age and can tell me some companies to try that would be great. The car I am looking at is a Mazda mx-3 1.5i . If anyone knows how to get cheap insurance for this I would like to hear from you. It would be cheaper if I was a named driver and could earn no claims discount but I don't know if any of the companies who do that accept imports. Any help or advice anyone could give me would be very much appreciated. Thanks

Life insurance question?

I am looking for term life insurance, meaning the rate would would locked for 30 years regardless of my husband and I getting older. I just have couple questions, i am hoping someone would shed some light: what does this mean??: The Select-a-Term provides a level death benefit term to age 95 also what does this mean? Current premiums are guaranteed level for the first 15 policy years. if i am selecting 30 years, why are they only guaranteed for 15 years? also, what else should I be looking for? thank you!""

Im 16 and just had my second wreck!? what will insurance do?

I just had my second wreck today and both of them have been my fault! Im 16 and my first wreck was last year in late November. Will insurance just raise my rate, drop me, or offer high risk insurance?? have any options on how to get low insurance if i do need to get another insurer?""

Question about getting your own insurance?

A friend of mine recently just got his license and he tried to go on his mother insurance who doesn't have any insurance. Well, she tried to go on her own and they said that she had to put every single person who has insurance on, which will cost like 500 dollars per person!! Anyways, will it be possible for him to get his own, and will it be cheaper? Also, his father has his license suspended but that was at least 2yrs ago or so. Do they have to know about this or is they way to keep it from them. And, Do you have to put money down when getting insurence?""

Anyone ever in a car accident & break a bone? Wrist? How much did the insurance compnay pay you?

I broke my scaphoid bone in my wrist due to a car accident. I would like to be prepared when it comes down to the settlement. I was wondering if anyone else had the same thing happen. I am right handed and it's my left wrist. the accident was not my fault. other party's company is accepting fault too.

Car Insurance!?

I am planning to buy a used 1992 Honda Prelude for $2,700.00. How does the insurance work? Does the price of the car that I paid or the retail price, plays as a factor of how much I would have to pay monthly for insurance. What insurance company would be the best for a new driver with her G2 only? Does anybody have an idea of how much it will cost me (approximately monthly) for the insurance? What other fees or cost will I have to pay for?""

Cheap car insurance for 7 star driver?

Cheap car insurance for 7 star driver?

Car insurance issue(s). Please share your experience and help if you can. Thanks?

My car caught on fire due to some electrical wiring, im fully comp, and have never claimed before. But sneaky as they are, they have told me that they do not cover electrical wiring faults, which has caused the fire. But the AA who towed my car in has catergorised it as fire damage. Surely they must cover the fire damage. I took it to a repair centre near me, and have asked them to have a quick check, and they also say its fire damage and what not, this has been procrastinated for so long by the insurance company, (claims company rather) that i can't remember what the repair centre has stated. Surely, fully comp covers something like this? THEIR engineers have said that there was no further damage to the rest of the car, but can i trust THEIR engineers? A full check up costs a lot, as they would have to take apart the car ( i believe? ) When i rang up the lady at the claims centre, she had no idea what case i was on, she literally said 'give me a moment to read up on your case' for me, thats a bit pathetic. While speaking on the phone with her not only was she rude, almost shouting at me (as i pressed on further ) . She told me she would send the company policy booklet to show that electrical wiring is not covered, and a letter stating the case was closed and in detail what the whole case is about. A week and a half has gone by (she said couple of days) This is the most annoying thing. She was rude, unhelpful, unwilling to help, and just taking the pee with the whole thing. I just find it sketchy that the letter has not been made, and no further actions or anything has happened (i have also opened another case about another incident - no info .. still) . I think they are just hoping i'd give this up as they are so unwilling to pay out. This is the reason I have insurance. Whats the point otherwise? Sorry for the long read. I have no idea what to do now, can i take it to a small claims court or talk to someone in the city council to further my case? Thanks""

Consequence of lending your car in terms of car insurance?

If I lend my car to my brother or sister, but I have car insurance, will they get a ticket when they drive? The car insurance covers the cost of the damage to the car, so does it matter who is driving it? What is the purpose of having someone as a secondary driver?""

I need a knee surgery? if i get medical insurance. it will cover the 5500 i need?

my question is when i get interviewed for insurance, should i not tell him about the bad knee so they will take me? i know the surgery will help and i can just wait a month and say i had a sporting accident?""

How much is an occasional drivers insurance in ontario?

I am 16 i have a g2 i drive and 2003 dodge caravan sxt its my dads how much would it cost to list me as an occasional driver with TD insurance

Convicted of drunk driving! Cheap car insurance UK?

Anyone know of a company that does fairly cheap car insurance for sum1 who is 23 thanks

Do you have to pay for a full year of car insurance if your car is written off part way through that year?

I pay my car insurance every month as a direct debit out of my bank account. My policy actually expires in March each year and I'm sent a renewal letter saying that if I wish to continue with my policy I just need to keep paying it monthly as I always have. Then come July my car was total written off. According to the insurance compay I still need to pay for a full years insurance, that is I need to pay all the insurance premiums up until March next year as this is when the policy expires. I figure if I don't have the car any more as it's a write off, and I'm able to cancelled the rego on it, why should I have to pay. I would have thought that if I'd paid a full years insurance in March that I would be entitled to a refund if my car was written off part way through the year. Any help would be appreciated.""

I`ve just passed my driving test at the age of 25 anyone know of any cheap car insurers?

I`ve just been given a suzuki swift, anyone know of any cheap insurance companies, as i`ve been quoted some stupid prices.""

""Will my car insurance rates go up if damage in accident is under $1,000?""

Today I bumped a parked car when trying to pull out of a paralell parking spot. Both cars were scratched, but no dents. My car was in worse shape than hers, and I took mine to an auto body shop to get a quote on what it would cost to repair the scratch. The quote I got was $671.23. The lady (who was sitting in her car when I bumped her) said she was going to have to have the whole bumper replaced... even though it was just a scratch about 3 inches long. We called the insurance companies and I admitted fault (duh.) She said she was going to call the police and may have to go to the doctor because her neck hurt, but the police were never called. I am still worried she is going to try to sue me or get more money from me... it was just a small scratch! Not even a DENT! My main question, will my car insurance rates go up, and if so, by how much? I drive a 2010 Kia Soul. I have one other accident on my record and I pay about $150 a month. If it does go up, is it going to be drastic? Her car was a 2012 Kia Soul (same color oddly enough) so I am hoping her quote will be similar? Since the overall damage is under $1,000, what can I expect to happen? Can she really report me to the police, or try to claim injury? I was just pulling out of a parking slot and thought I was clear, but still very slow and cautious. I just don't see how I could have hurt her neck... Any help/input appreciated, thanks so much.""

Cheap used cars and cheap insurance?

i need a cheap used small car anyone have any ideas where it would be reliable to get one..? not auto trader because i cant exactly trust a randomer selling a car which is probly going to break down 2 days later.... any ideas of something or places plz

What is grandfathered health insurance coverage?

I am trying to define the Health Care Reform Act of 2009 in plain English, and I keep coming across the phrase above. What does it mean?""

How much will car insurance be?

Im 17 and im 18 in september and i have a renaut Clio Grande year 2000 X reg, 1.2 litres. Ive got quotes off of compare sites for 4000 a year yet i feel this is ridiculous? I have heard of friends getting it for 2000ish. Where do i find or get these cheaper insurance deals? Will it go down at 18?""

""How many billions will obamcare cost to insure the poor ,the crack heads the people who can't afford it?

how much is the fine if you can't afford to buy obamacare

Has anyone driven past a police car without car insurance?

I've read on the internet and asked questions here on Yahoo about people driving without car insurance. The majority have said that police cars have a scanning system that automatically checks cars that goes by for MOT, tax and car insurance. I am wondering if anyone has recent experience of driving without car insurance past police cars and have anything happen to them? Have the police cars picked up that you have no insurance? I have car insurance by the way, i am just curious.""

Doubt on two wheeler insurance ---Help?

My father has purchased a second hand bike for me but it is registered with my father name. I am going to use this bike. Now i have the following doubts 1. can i need to buy a new insurance or i can renew the existing bike insurance of bike seller. 2. if i need to buy a new insurance , with which name i need to buy ? my fathers or mine ? 3. can i use online facility of ICICI Lombord ? there it is showing the following 2 options 1.Buy insurance for brand new Two Wheeler 2.Buy insurance for brand new Two Wheeler which option should i choose?

https://www.linkedin.com/pulse/can-you-buy-health-insurance-from-college-gwendolyn-varnado"