#at least it's not gonna be short term rental anymore. its gonna be a lived in house owned by the occupants. as it should be

[bishopony]

im not surprised that the owner of the house we're buying is still renting it out as an airbnb but I am mad that he's still doing it post-inspection. i'm gonna be such a stickler during this final walkthrough

[minijenn]

Universe Falls Chapter 79

Ayyyyyy its here fam, the chapter right before RMD is finally done which means I’m ALMOST ALMOST THERE AHAHAHHAHAHAH IM SO FUCKIN HYPE! But for now, enjoy this fucking preliminary angstfest, which I also really like even if it is a teeny tiny lil chapter. Just as well since RMD are all boutta be fucking monsters in terms of length. Anyway enjoy!

Previous: https://minijenn.tumblr.com/post/618035050504732672/universe-falls-chapter-78

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Chapter 79: Alone on the Lake

TN XBAVUSA SUL ZUSALLZF GSL ZLZBKX IFK AJUWLK DPNZ BWMSL LUZ OACM HV YW KLKHXJ GGBZ EKBIJK?

“Ok, Lapis, we’re almost there!”

“I think I’m starting to guess the surprise, you two,” Lapis noted with a small smile, still keeping her aquatic wings wrapped over her eyes as she followed Steven and Mabel’s enthusiastic lead. 

“Your eyes are supposed to be closed!�� Steven reminded brightly. 

“Sorry,” Lapis chuckled, following his instructions this time as the pair continued to guide her onward. “Are you still back there, Dipper?” she called, glancing over her shoulder behind her, though keeping her eyes shut all the while. 

“Hm?” Dipper looked up, his hands shoved away in his pockets as he kept pace quite a bit behind the trio as they traveled down the dock. “Oh, uh, yeah, I’m here.”

“Mind telling me where we’re going?” the blue Gem continued addressing him with a small, playful smile. “I have an idea, but these two aren’t giving me any hints.”

“Cause that would be cheating!” Mabel pointed out, resolute. “And it would ruin the surprise.”

“Speaking of surprises, wait here just a second.” Steven and Mabel both relinquished their holds on Lapis’ hands, running over to join Greg and Stan near the edge of the dock before unveiling what they had in store for the day. “Surprise!”

Lapis let her wings retract, opening her eyes to see something that she didn’t really know what to make of at first. The wide lay of Lake Gravity Falls spread out before the group from the small dock they were all on, its murky waters dully glistening in the mid-morning sun. And resting on that lake, tethered to a post, was a moderately large boat, one that looked rather fancy and modern, aside from the bizarre, out of place skull and crossbone flags draping from its sides and hanging from its flagpole. 

“We bought a boat!” Steven proclaimed excitedly. 

“Correction, we rented a boat,” Greg chimed in. “I may be rich, but buying a boat would be going a bit… overboard!”

“Ugh, please someone make him stop,” Stan groaned insincerely. “He’s been making lame boat puns ever since we picked this thing up from the rental place. I’d fire him for them… if he still worked for me.”

“What can I say, Mr. Pines?” Greg let out a small chuckle. “I just keep reeling ‘em in!”

Steven and Mabel were quick to join in on the former rock star’s amused laughter, and though it took Stan a moment, he ultimately folded with a bit of a wry smirk himself. “Uh… what’s with the pirate theme?” Dipper spoke up as he looked over the boat. 

“Er, the rental place was out of the “Family Friendly Day On the Lake” boat package,” Greg explained. “All they had left was the “A Pirate’s Life for Me” package, which is really just those flags. Oh, and I think there’s a stuffed parrot and a set of decorative swords on board.”

“There’s also a bunch of peg legs, pirate hats, and eye patches stored under one of the seats,” Stan added dryly. “So, ya know, you kids can knock yourselves out with those.”

“Ooo!” Steven mused, intrigued. 

“I call the eye patch!” Mabel quipped, raising her hand.

“Oh no, ya don’t,” Stan pulled said eye patch out of his pocket and slipped it on. “I already beat ya to it, pumpkin.”

“Aw, dang it! Not again!”

“Steven, Dipper, Mabel,” Lapis spoke up, glancing over at Stan and Greg, somewhat confused. “Who are these people?”

“Ah, Greg Universe,” Greg introduced himself, holding out a hand for her to shake. “You, uh, busted up my van trying to use the lake to fly back to your homeworld?”

“Lapis Lazuli,” the blue Gem offered him a somewhat awkward smile though she didn’t return his handshake. “Nice to meet you.”

“And Lapis, you remember Grunkle Stan, right?” Mabel asked as she came to stand alongside the conman. 

“Oh right!” Lapis nodded. “You’re the guy who looks like Ford, but isn’t Ford.”

“Ugh, if I had a nickel for every time I heard that one when I was a kid...” Stan rolled his eyes, disgruntled. 

“That’s ‘cause Grunkle Stan and Grunkle Ford are twins,” Mabel informed the blue Gem with a smile as she suddenly pulled Dipper close beside her. “Just like me and Dipper!”

“Ugh, Mabel! Knock it off!” Dipper huffed in annoyance as he quickly pulled away from her. He paid no mind to the curious looks the others were sending his way as a result of his sudden harshness as he instead went to take a seat at the far edge of the dock instead. 

“Aw, c’mon, bro-bro, I was just… aw, ok…” Mabel sighed in quiet defeat as she watched him sullenly walk away.

“Yeesh, he’s acting even more Dippery than usual,” Stan remarked bluntly before oblivious moving on. “Anyway, we’d better get a move on. The ice in that treasure chest-shaped cooler on deck is only gonna keep those sandwiches cold for so long.”

“Good point,” Greg agreed, trailing after the conman. “Let’s get the boat started.”

As the pair headed aboard the rented vessel, everyone else hung back on the dock for a bit, particularly Lapis as she hardly even seemed to be focused on the boat at all. “What’s going on with Dipper?” she asked Steven and Mabel with newfound concern. “He seems… upset about something.”

“I don’t know…” Steven frowned. “Yesterday he seemed so excited about our plans to bring you out here to spend the day with you, Lapis, but now…”

“I-I think I might know what’s up,” Mabel said, glancing down apprehensively. “Last night I overheard him talking in his sleep--which he only really does when he’s having a nightmare--a-and it must have been a pretty bad one cause he said something about… a-about you know who…”

“No,” Lapis shook her head, confused. “Who?”

“Oooh…” Steven immediately understood, however, his expression quickly turning grave. “Again? I thought he stopped having those kinds of nightmares after we put up the unicorn shield around the shack.”

“The what?” the blue Gem tried interjecting once more, completely out of the loop.

“Yeah, well… you know Bill,” Mabel said, her tone and expression both taking on an air of disdain. “He never quits, even when he really should. And if he can’t mess with us for real anymore, I guess dreams are the next best thing for him.”

“Wait, slow down,” Lapis said, putting her hands up. “What are you guys talking about? Who’s this Bill person? Someone who’s been messing with Dipper?”

“Messing with all of us, actually…” Steven rubbed his arm. “He’s this really powerful, really mean demon who we’ve been fighting against all summer. We’ve been up against him a bunch of times, but the worst was when he-” The young Gem stopped short at this, particularly as he met the sight of Mabel silently shaking her head, her lips pressed in a thin line and her eyes wide with worry. Steven was quick to understand her intent, however, when he happened to glance between Lapis, who was looking to him with expectant curiosity, and Dipper, who was still sitting alone, forlorn as he stared into the lake from the edge of the dock. “Uh… h-he, um…” Steven stammered, unsure of how to explain exactly what had happened what felt like ages ago now. Especially to Lapis, of all Gems, who cared so much for Dipper and had, at least in some way, been the very driving force for him striking the dangerous deal with the dream demon that he had back then. A deal that was clearly still leaving it’s heavy, painful mark on him, even long after it had ended. 

“L-long story short,” Mabel cut in just in time with a brief, largely safe explanation. “Bill tricked Dipper into making a deal with him that went pretty sour pretty fast and it, uh… m-may or may not almost got him, um… k-killed,” she winced, a familiar pang of guilt filling her as she so much as said the dreadful word. 

“W-what?!” Lapis exclaimed, aptly alarmed. 

“O-oh, but don’t worry! It didn’t actually, o-of course,” Steven rushed to interject. “A-and my healing powers helped patch up everything else‒eventually. So, everything’s fine now! W-well… almost everything…” The young Gem frowned as he looked in Dipper’s direction himself, wishing there was more he could do to help heal what was an entirely different kind of wound now. 

“B-but, I don’t understand,” Lapis shook her head, her expression awash in immense worry. “Why would Dipper make a deal like that anyway? Even if he was tricked, I know he’s smarter than to fall for something like that.”

Steven and Mabel exchanged an uncertain glance at this, knowing that the last thing Lapis needed was to know exactly why Dipper had taken a chance on such a risky bargain in the first place. “Uh… w-who can say?” Mabel shrugged, forcing out a harsh, fake chuckle. “It doesn’t really matter anymore anyway since it’s all said and done and we can forget about it and move on with our lives! S-so instead of talking about all that depressing junk, let’s talk about something way more fun instead! Like this boat! What do you think about it, Lapis?”

“Oh, uh… it’s… nice,” Lapis said somewhat absently as she finally pulled her gaze away from Dipper. “But... I don’t know…”

“Look, Lapis,” Steven took a deep, steadying breath, noticing the hesitation in the blue Gem as she turned her attention to the lake in particular. “We know you spent a really long time fused with Jasper at the bottom of the lake, but… you’re not Malachite anymore. And water is part of who you are. You can’t let one bad experience take that away from you!”

“It was more than one…” Lapis sighed, crossing her arms. 

“Well… maybe we can turn all those bad times around and make a brand-new good time instead!” Mabel encouraged warmly. “We promise that this is gonna be the most fun you’ve ever had!”

“Thank you, but I… I don’t deserve this…” Lapis shook her head fretfully. 

“Of course you do!” Steven insisted. “We even named her Lil’ Lappy!” He nodded over to the boat, where Stan and Greg were attempting to tape a banner with this new name to the side of the boat, only for it to slightly slip off to reveal the vessel’s true title: the S.S. Misery”. 

Despite this, Lapis was unable to hold back a snort of an amused laugh at such a ridiculous sight, one that told just how hard the kids were working to put all this together for her. “Ok, I’ll give it a chance. But just one.”

“That’s the spirit!” Mabel beamed. “Now c’mon! We better get on board before Grunkle Stan hogs the rest of that super cool pirate gear to himself!”

“Too late!” Stan called from on deck, clad in the eyepatch, captain’s hat, and fake peg leg alike. 

Even so, Mabel and Steven hurried on ahead to climb aboard, though Lapis stayed behind, largely so she could go over to join Dipper as he remained at the edge of the dock. Along the way, she couldn’t help but let her thoughts wander, both to the deepest concern for the boy himself, and quiet, yet fledgling fury for the mysterious demon who had apparently put him through so much lingering distress. “H-Hey,” she greeted him as casually as she could manage, despite all this. “Aren’t you coming along?”

“Oh! Y-yeah,” Dipper was quick to stand, though he made no move to go over to the boat as he offered Lapis a concerned glance instead. “Are… are you sure you’re ok with this? I tried telling them that taking you out on the lake might not be… the best idea, considering… well…”

“N-no, it’s ok,” Lapis assured him with a small smile. “I think it’s really… sweet that you guys went to all the trouble to put all this together for me. Even if it might be a bit… too much.”

“It’s always too much when Steven and Mabel are involved,” Dipper finally let out a small chuckle, one that set Lapis’ worries to ease as she hoped that maybe he wasn’t as upset as he seemed. At least for now. 

“Need a lift?” she asked, summoning her wings as she extended a hand out to him. 

“Sure.” With this, Lapis easily swept Dipper up off the dock, giving him an easy landing on board the boat alongside Steven and Mabel before she came down to join them herself. 

“How do I say it again, Mr. Pines?” Greg’s voice echoed from the ship’s intercom on the bridge. “Mighties?”

“It’s ‘maties’, Greg,” Stan deadpanned, not realizing the mic was already on either. 

“Got it; maties,” Greg actually turned to the intercom so he could properly address the group on deck. “Uh, ahoy, maties! Are ya scurvy land-lovers-”

“Landlubbers,” Stan corrected once more. 

“...What the hey is a lubber?”

“Ugh, gimme that!” the conman promptly took over the intercom at this. “What he’s trying to say is, are you all ready to take off or not?” 

“Aye, aye, captain!” Mabel and Steven proclaimed in unison, both of them presenting dramatic salutes. 

“...Yes,” Lapis said simply as Dipper nodded his agreement as well. 

“Good,” Stan said simply, hanging up the intercom line. “You do know how to work this tub, don’t you, Greg?”

“Uh… w-well… It can’t be that tricky…” Greg looked over the ship’s rather complicated control deck, though he did manage to find its starting clutch. “Aha! Full speed ahea-” The former rock star was abruptly cut off as the entire boat jolted hard as it began to take off, knocking everyone on board about. However, as it did, the force of the vessel’s abrupt movement suddenly ripped the post it was tethered to, one that neither Greg nor Stan had thought to untie it from before climbing aboard. “Aw, geez…” Greg shuddered upon glancing back to see the post skimming behind the boat as it ventured out onto the open lake. “You think anyone will notice?”

“You better hope no one does,” Stan remarked. “Trust me, Greg, you do not want a run-in with lake police. I learned that the hard way…”

Despite the pleasant, late summer weather, not too many other boats were out on the water, meaning the group largely had the lake all to themselves. As soon as the boat had settled into a more relaxed pace out near the center of the water, Lapis and the kids went to join Greg and Stan up in the bridge, largely to inquire about the wooden post still lagging behind the ship. 

“Yeah, I-I think I did a number on that deck,” Greg scratched the back of his neck awkwardly. “Maybe someone else should take a shot at being captain instead…”

“Ya think?” Stan deadpanned. 

“What do you say-” Greg grinned as he took his captain’s hat off and turned it over to Lapis instead. “Captain Lazuli?”

“I-I shouldn’t…” Lapis winced fretfully. 

“Go for it, Lapis!” Steven encouraged. 

“Yeah! You’ll make a great captain!” Mabel chimed in enthusiastically. “You can even use this spare eyepatch I stole from Grunkle Stan when he wasn’t looking!”

“Wha-” Stan took pause, reaching near his eye to find that his eye patch wasn’t covering it anymore. “When did you-”

“Don’t put me in charge!” Lapis suddenly snapped, agitated. She drew in a small, anxious gasp as she realized just how intense her refusal had been, to the point that all three of the kids were sending concerned looks her way. 

“Lapis…?” Dipper spoke up, by far the most worried of the already very worried trio. And as soon as Lapis caught his concerned gaze, she made a very rushed effort at righting herself, more for his sake than anyone else’s. 

“Oh, uh… s-sorry,” the blue Gem shook her head to clear it. “I mean… y-you shouldn’t trust me with the boat.”

“Uh, that’s ok,” Steven said, trying to brighten the tense mood once more. “Don’t worry about it. We can all be first mates, so there’s no pressure. Only fun stuff today!”

Lapis nodded, allayed by this plan, even if she was still discreetly trying not to pay too much mind to the wide lay of the lake all around them. “Lapis, you can still wear the hat if you want,” Greg held said hat out to her again. 

“Thanks,” Lapis smiled. “But I’m not putting that on my body.”

“What about the eye patch?” Mabel asked, eagerly offering it to the blue Gem until Stan intercepted it instead. 

“Give me that!” he swiped the patch, proudly placing it over his eye once more. “Ah, now that’s better.”

“Ok, everyone,” Greg grinned, putting the captain’s hat back on as he took the boat’s wheel once again. “Let’s set a course for fun!”

Though Lake Gravity Falls was quite sizable, it was still a rather small lake compared to the boat itself, which was why there really weren’t too many places it could go upon it. Still, that hardly stopped the small group aboard from enjoying themselves in whatever ways they could. They snacked on their small stash of cold cut sandwiches alongside a bottle of sparkling orange juice served in fancy glasses (a ritual Lapis didn’t quite understand and didn’t really know how to indulge in even as everyone else did). Still, Lapis watched on the sidelines as Steven and Mabel engaged in a pretend “pirate duel” with the decorative swords on deck (a duel Greg was quick to put a nervous stop to when he realized the swords, however dull they might have been, were still made of actual metal). After that, they all took a break to lounge out on the boat’s open deck, soaking in the rays of the warm summer sun, though most of the while, though Lapis found herself preoccupied with two other completely different sights instead. The first was the lake, its calm, quiet, cerulean waters practically taunting her with thoughts of the dark, empty prison she knew lay just beneath them. But then there was Dipper, who was hardly engaging in the activities Mabel and Steven had planned as he instead leaned against the boat’s railing to stare out at the lake himself. Lapis took a break from “sunbathing” to join him, hoping to ask him more about what Steven and Mabel had only hinted at before. And yet, before she could get as much as a hello out, the aforementioned pair rushed over to pull them both back into more of the “fun” they had in store. 

That next bout of fun was up on the bridge, namely in the form of the ship’s pull horn. Though Lapis didn’t understand the appeal at first, she quickly did upon giving it a small, experimental tug, only for the horn to loudly blare out, echoing across the entire lake. The blue Gem couldn’t help but be completely charmed by the rather grating noise, letting out a full, genuine laugh as she pulled on the horn over and over again, much to the kids’ delight and Stan and Greg’s chagrin. Even Dipper couldn’t help but muster a small, warm chuckle upon seeing just how much Lapis seemed to be enjoying herself through something so simple, even if it wasn’t the easiest on the ears.

After about an hour or so, the nearly-nonstop bellowing of the horn finally fell silent, a relieving change of pace for Stan and Greg in particular as they continued fishing off the far side of the boat. “Oh thank god, they finally stopped,” the conman let out a sigh of relief as he uncovered his ears. “I thought I was gonna go deaf. Well, even more deaf,” he said, tapping his hearing aid. 

Greg let out an amused laugh at this, though as he did, he happened to notice Lapis and the kids coming down from the bridge to join them. “Oh, hey, you guys!” he greeted them with a smile. “Finally get enough of that horn?”

“...WHAT?!” Steven shouted obliviously, his ears still still blaring with the lingering noise of the horn. 

“What are you doing?” Lapis asked, curiously eyeing the pairs’ fishing rods.

“Catching fish,” Greg explained, casting his line out into the water once more. 

“Or at least we’re trying to,” Stan grumbled, boredly leaning against the railing. “Those suckers just aren’t biting today…”

“Oh, maybe I can help!” Lapis volunteered, her tone surprisingly eager. Taking in a deep breath, she easily connected with the body of water before her, calling upon a massive swath of it just below the surface. Everyone else watched in apt awe as she easily pulled that swath up, an immense mass of water rising up into the air just above them, one that encased more fish than they could have ever hoped to catch swimming inside. 

“Whoa…” Dipper said, quite impressed. “Lapis, that’s amazing!”

The blue Gem practically beamed upon hearing this, more than happy to meet the bright smile he was sending her way. A smile that she unquestionably treasured, yet unfortunately hadn’t seen enough of today, as much as she wished she had. 

“That’s a pretty… uh, fancy way of catching fish…” Greg noted with a bit of a nervous chuckle. 

“Fancy?” Stan scoffed. “Pfft, some might call it overkill.”

“Grunkle Stan!” Mabel chastised, hoping that the conman’s rather callous remark didn’t offend the blue Gem. 

“That’s ‘cause Lapis is supa strong!” Steven proclaimed with a dramatic flex. 

“Well, uh… I appreciate the gesture,” Greg said, trying to be as tactful as he could. “But I-I think it would be safer to stick to the old-fashioned way of doing it…”

“Oh, uh… sure.” Flustered, Lapis was quick to pull her “catch” back down into the lake itself, creating a sizable wave in the process, one that shook the entire boat before the water settled itself back down. “So… how do you fish the old-fashioned way?”

“Oh, it’s pretty simple,” Greg reeled his line back in so he could demonstrate. “You start with a rod, and you put a hook at the end of your line. And then, when you feel a nibble, you reel it in. And there it is; you’ve caught yourself a fish to eat!”

“Or to sell if you manage to catch a peppermint angelfish or a freshwater polka dot stingray,” Stan piped up. “Those kinda puppies will land you the big bucks, whether you’re sellin’ em legally or not‒n-not that I would know.”

“But why would a fish ever bite a hook?” Lapis asked, confused. 

“You got to bait it,” Greg said, reaching into his nearby tackle box. “Put something on it you know it wants, like a worm or a $20 bill.”

“Now that’s my kind of bait!” Stan grinned greedily. 

“We’ll keep that in mind the next time we need to fish you out of a lake, Mr. Pines,” Greg chuckled alongside Steven and Mabel. At the same time, he cast his baited line out into the lake to properly show Lapis how fishing was usually done.

And like how fishing usually went, the group ended up waiting quite some time for even a nibble to become apparent. Stan had all but fallen asleep in his sunchair, his own fishing pole completely forgotten as Greg minded them both instead. Lapis and the kids lazily leaned against the boat’s railing, keeping an eye on the water, even if there was no sign of any sort of underlying fish to be found. 

“So when does the fish part happen?” Lapis asked boredly. 

“Well, sometimes it isn’t about the fish you keep, but the company you catch,” Greg said with a sly wink, though none of the others really caught his drift. At that exact moment, however, a sharp, sudden pull on his fishing pole caught the former rock star’s attention instead. “Whoa! I got a bite!” Greg tightened his grip on the fishing rod as whatever it had caught began to pull aggressively against it. “Lapis, here! Give it a try!” he offered the blue Gem the pole, and though she had her reservations, she took it. 

“Like this?” she asked, starting to reel the line in. 

“You got it!” Greg grinned as the kids crowded close to watch. “Looks like it’s a big one!”

Lapis set her focus on her rod as she continued to steadily reel it in, though whatever was on the hook quickly tugged hard on the line, abruptly yanking the blue Gem forward along with it. Lapis stumbled forward, but fortunately everyone else was quick to respond, calling out to her in concern as they hurried to help hold her steady so she could keep the struggle going. 

“Y-You got this, Lapis!” Steven encouraged with a loud grunt as he and Mabel clung onto the straining blue Gem. “Reel it in!”

“It’s… pulling… so hard!” Lapis shouted, pulling back against the unseen fish or force that she was so, so close to landing. So very close to the surface, yet still so far away. 

Just as Malachite had been all that time. 

Lapis gasped just as the fishing rod suddenly snapped under the immense pressure completely. Its other half flew into the water as whatever it had caught got away, leaving everyone to run to the side of the boat to see if they could catch so much as even a glimpse of it. Lapis in particular kept a close eye on the lake as it calmed once more, her sudden panic starting to die down as she realized the only reflection she saw on the water was her own. 

“Dang it, Greg!” Stan fussed as he finally awakened from his brief nap. “We weren’t supposed to break any of these!”

“Yeah…” Greg winced as he looked over the broken rod. “Looks like this pole rental just turned into a pole purchase. But, you did a great job tangling with that beast, Lapis.”

“Yeah! I totally thought you had it!” Mabel added, hands on her hips. 

“B-but don’t worry about the one that got away,” Steven encouraged with a small smile. 

Lapis simply returned their praise with a terse, unreadable nod as she realized that their party was now one short for some reason. Mostly since that missing one among them had quietly slipped away long before her fight against that unknown catch had even begun. 

“Welp, that’s my adventure quota for the day,” Greg concluded as he began putting the tackle box away. “I’ll be at the controls. Holler if you need me.”

“And I’ll be raiding that cooler to see if there’s any of that fancy orange juice left,” Stan said as he also began to head out. “Fishing’s thirsty work; it’s got me parched.”

“But Grunkle Stan, you were just napping most of the time,” Mabel pointed out. 

“Yeah, well napping’s thirsty work too.” 

With the adults heading off to their own devices, Mabel and Steven were more than ready to keep their excitable plans for the day going, even if fishing had gone somewhat awry. “Ok, Lapis, what do you…” Steven trailed off as they both realized the blue Gem had also stepped away at some point. “Lapis?”

For her part, Lapis had returned to the main deck, where it didn’t take her very long to find Dipper. He sat on one of the lounge chairs, his chin perched against his hands as he silently watched the dark clouds that were starting to roll in over the lake. And as the blue Gem slowly came to take a seat alongside him, she noticed just how tense and apprehensive his expression really was. She had every reason to suspect why that was, and couldn’t help but feel guilty that she hadn’t done more to try and change that. Though still, she figured now was better late than never.

“Dipper?” Lapis spoke up, finally breaking him out of whatever thoughts he had been distracted by. 

“Oh! Lapis!” he started, quickly turning to her as he put on a clearly fake smile. “H-how’d fishing go?”

“It… went…” the blue Gem glanced down. “Why’d you leave?”

“Ah, I-I… just wanted a little peace and quiet, is all,” Dipper said, offering an excuse Lapis could see right through the moment he said it.

“Oh,” she replied, though this time, she refused to simply leave it there. “Dipper, a-are… are you all right?”

“What?” Dipper blinked, caught off guard by the question. “Y-yeah, of course I’m all right. Why wouldn’t I be? Are you all right, Lapis?”

Lapis flinched, not wanting to face such an inquiry, especially as she accidentally stole another small glance toward the lake once more. “I-I… l-let’s focus on you instead,” she countered as evenly as she could. “You’ve been so quiet all day. I know something’s wrong-” she hesitated, not wanting to give specifics about how or what she knew just yet. “So… if you want to tell me about it, then I-”

“No!” Dipper said, a bit too fast and a bit too forcefully. “I-I… I mean, it’s… seriously nothing, Lapis. You don’t have to worry about it. It’s really not important.”

“It’s important to me,” Lapis said earnestly, knowing, practically feeling that he was lying to her. “If something’s bothering you, then… maybe there’s some I can help somehow. I want to help.”

For a moment, the most Dipper could do was look to her in disbelief before he shook his head almost bitterly. “Lapis, I-I appreciate it, but really, I don’t need any help. Besides, today isn’t supposed to be about me; this whole lake trip was supposed to be to help you.”

“B-but I don’t deserve help!” Lapis argued far more fiercely than she had meant to. “Everyone’s so worried about making me feel better, but we should be worrying about you! Especially after what you went through!”

“After what I-” Dipper stopped short at this, confused. “Lapis, what are you talking about?”

The blue Gem faltered at this, knowing that the last thing she wanted to do was openly bring up what was obviously such a painful memory, but she couldn’t help herself. He needed to know just how much he needed this. “T-the deal, Dipper! I’m talking about the deal you made with t-that… that Bill guy that almost got you killed!”

Dipper froze, completely taken aback, upon hearing Lapis mention that terrible deal. A deal he’d done all he could to keep her from finding out about ever since she returned, for more reasons than one. “W-what… h-how do you know about-”

Before he could even get another stunned word out, the entire boat was suddenly rocked as something seemed to crash hard into the side of it below the surface of the water. Just as the ship seemed to settle once more, it took another heavy hit, one that nearly knocked Dipper and Lapis off their feet completely as they wondered to themselves about what was happening. 

Mabel and Steven wondered the same thing as they took a detour on their way back to the main deck to stop by the bride to check in with Stan and Greg. “I-is everything ok, First Mate Dad?” Steven asked, concerned. 

“Shh!” Greg quieted, glancing up from the boat manual he’d been pouring over. “You hear that?”

The group paused to listen for any further disruption below the boat, but strangely, they were only met with silence on all sides. “Uh… no?” Mabel frowned, confused. 

“Maybe whatever it was is gone now,” Steven theorized. 

“Well, at least that’s one good thing,” Greg sighed. “I think something’s wrong with the boat.”

“Augh!” Stan growled, trying his hardest to move the boat’s otherwise stiff wheel. “Nope, something’s definitely wrong with the boat. The rudder won’t move for anything. Something down there must be throwing it off.”

Mabel let out a sharp, dramatic gasp at this. “Maybe it’s the Gobblewonker!”

“Or Mr. McGucket’s Gobblewonker robot!” Steven added just as zealously. 

“Would you two pipe down?” Stan rolled his eyes as he began fiddling with the ship’s control panel. “It’s not a robot or some stupid lake monster. We probably just hit a rock or something. What’s that manual of yours have to say, Greg?”

“I-it’s really not any help,” the former rock star frowned as he flipped through the book. “It’s mostly just advice on sun tanning and what crackers go with caviar!”

“Well, what crackers go with caviar?” Steven asked. 

“Water crackers!”

“Ayyyy!” the pair exclaimed, exchanging a set of wry, playful grins. The levity was immediately broken, however as the boat violently shook once more, this time accompanied by a small, yet prominent explosion from somewhere inside the ship itself. The group wasted no time in rushing down to the boat’s small engine room, though as soon as Greg pried open the hatch, thick, dark smoke immediately started pouring out from it. 

“Oh, crud! The engine!” Greg exclaimed, distraught. “I-I don’t know anything about fixing an engine! Do you, Mr. Pines?”

“Er… I can take a swing at trying, but I can’t make any promises,” Stan said as he began looking over the busted engine. “But either way, we’re gonna be out here for a while…”

Mabel and Steven exchanged a fretful glance upon hearing this, but all the same, they left the pair to work on the engine so they could relay the unfortunate message to the boat’s other two passengers. In the aftermath of the explosion and how it shook but the boat once again, Lapis was in the midst of helping Dipper back up onto his feet, checking over him to make sure he was unharmed as Steven and Mabel arrived. 

“Uh, guys?” the young Gem spoke up. “We have some… not-so-great news. There’s trouble with the engine and… it looks like we’re stuck out here for now…”

“Great…” Dipper muttered as Lapis let out a low, disappointed sigh. “As if anything else could go wrong today…”

“W-well, let’s try to look on the bright side!” Mabel chimed in. “At least it’s not raining!” Almost at that exact moment, however, raindrops began sprinkling down from the dark, dreary skies above, growing more steady with each passing second. “...How did I do that…?” Mabel wondered, amazed by her apt timing. 

“I-I’m sorry!” Steven professed to Lapis in particular. “This whole thing is our fault! We just wanted you to have fun, but everything’s turned into a mess. We shouldn’t have made you come on this trip…”

“No,” Lapis spoke up, her tone cold as she turned to face the side of the ship. “It’s my fault. I’m the one to blame.”

“What?” the young Gem shook his head. “No, it’s not-”

“I’m really trying to enjoy it out here, but… I can’t stop thinking about being fused as Malachite,” Lapis confessed, not even noticing Dipper tense up beside her at the mere mention of the twisted fusion. “How I used all my strength to hold her down in the lake, and how I was always battling against Jasper to keep her bound to me…”

“Lapis…” Steven began, though Dipper was quick to interject before he could say anything else. 

“W-what does any of that even matter anymore?!” he countered harshly, clearly agitated by the mere discussion alone. “That’s all over now! Malachite’s gone. You don’t have to be with Jasper ever again!”

“T-that’s not it…” Lapis said quietly, shame filling her expression as she finally glanced back at the kids behind her to reveal the horrible truth. “I… I miss her…”

“What?!” All three of the kids exclaimed, shocked by the very thought. 

“W-we were fused for so long…” the blue Gem practically whispered, shaken as she wrapped her arms around herself tightly. 

“But… she’s terrible!” Steven protested anxiously. 

“I’m terrible!” Lapis argued, fully turning to the trio. “I did horrible things! I left Ford behind on Homeworld! I stole the lake! Go on! Tell me I’m wrong!”

Steven and Mabel were more than prepared to try and do exactly that, but once again, Dipper beat them both to the chase on a seemingly different tangent entirely. “You miss her…” he began, letting out a bitter scoff as he did. “Even after everything she put you through, after everything she did?! After everything I did to try to help you?!”

“Dipper-” Lapis tried to counter, though he was far too incensed to back down now. 

“I know what you went through was awful, I get that. But you have no idea what I put myself through to just to get you back!” he practically shouted, outraged that she’d make light of all the sacrifices he’d made by so much as hinting that she wanted to go back to what he’d only barely managed to help rescue her from. “I was ready to do nothing else but sit on the shore for the rest of the summer waiting for you! I stayed awake for nights on end trying to figure out a way to help you! I risked my life several times against Malachite and you did basically nothing to stop her! And worst of all, you asked me about that deal I made with Bill earlier? Well, you wanna know why I even did that in the first place?”

“Dipper, stop-” Mabel tried to interject, especially as she noticed the growing, fearful alarm in Lapis’ eyes brought on by his outburst. Yet even so, he kept going with the truth he could no longer keep buried under the surface, even for as horrible as it was. 

“For you, Lapis!” he finished, tears starting to brim in his eyes even against his immense fury. “I nearly lost my body, my life‒all because I wanted to save you! And what do you want, even after all that? To go back to being with Jasper, back to being Malachite, like the rest of us‒like I don’t even matter!” 

For a moment, the most Lapis could do in response to such a harsh accusation was remorsefully accept it, largely because she had no idea how to argue against it. Because really, if all that was indeed true, if Dipper really had almost lost so much in a last-ditch effort to help her, then that was just another reason--perhaps the very worst of all--on the already substantial list as to why she didn’t deserve any sort of kindness or support at all after every terrible thing she’d done. 

Once again, Steven and Mabel wanted to speak up to try and ease the heavily palpable tension between the pair, yet before they could, that tension was broken altogether by the boat heavily jolting once more. This time, however, the steady tremors didn’t stop as something heavy latched onto the ship’s anchor chain, lurching the entire vessel to the side as something, or rather someone, began to climb up it. For a few breathless, uncertain seconds, the group on board glanced around frantically, unsure of what was happening. That is, until that someone finally reached the deck itself, the last Gem any of them could have expected--or wanted--to see: Jasper. 

The orange Gem easily heaved herself onto the boat, ignoring the shared gasps of shock from everyone else as she rose to properly stand, a wide, almost demented grin spread across her face as she set her sights on Lapis in particular. “Finally,” she said, a burst of heavy thunder crashing over the lake at the exact same time. “I thought I’d never catch up to you!”

“J-Jasper…” Lapis barely managed to choke, though at the same time, she instinctively held a protective arm in front of the trio of kids behind her. “You… you’ve been following us?”

“I’ve been following you,” Jasper’s menacing grin deepened as she took a bold step forward.

Lapis flinched back in apt fear at this, though Steven was the first to step forward, his shield already formed over his arm. “Stay back!” he shouted bravely as he came to stand between the two Gems. Likewise, Mabel brazenly joined him, even without her grappling hook (which she hadn’t brought along on the trip) in hand. Dipper, on the other hand, hung back behind Lapis, taking a small step backward as he watched the frightening situation unfold carefully, quietly. Just out of Jasper’s notice all the while.

For her part, Jasper let out a twisted, amused laugh as she glanced down at the young pair before her haughtily. “This dulled-down version of Rose Quartz works for you now? Along with one of her dumb human pets?” she sneered callously as she nodded back up to Lapis. “You’re pointing that shield the wrong way. She’s the one you should be afraid of.”

“T-that’s not true,” Lapis tried to protest, though there was no conviction behind her words. 

“You can’t lie to me,” Jasper asserted. “I’ve seen what you’re capable of. I thought I was a brute, but you… you’re a monster.”

Lapis froze, terror filling her entire form, though it was hardly aimed at Jasper. Instead, it was fear reserved solely for herself, for what she knew she could do, what she had done. Fear that what the orange Gem had just said was true; that she really was a monster after all. “I-I…”  she trailed off, unsure of how to argue against that blatant truth. Even if Steven and Mabel were more than ready to do that for her. 

“You don’t know what you’re talking about!” Mabel defended, resolute. 

“Yeah! Lapis doesn’t want anything to do with you!” Steven added just as firmly as he held his shield steady.

Jasper let out a severe, aggravated growl at this show of resistance, one that she didn’t hesitate to remove from her path through sheer force alone. “This is between US!” she shouted, brutally lashing out at the pair. Fortunately, Steven’s shield took the brunt of the heavy blow, but it was still enough to send them both flying across the deck, resulting in them roughly landing quite a ways behind the orange Gem. 

“Steven! Mabel!” Lapis anxiously called, aptly alarmed. Likewise, Dipper nearly made his first move to join the confrontation, though he stopped short upon seeing that Steven and Mabel were largely fine, if not a bit disoriented from the attack. 

At the same time, Jasper stopped Lapis in her tracks, tightly grabbing her by the wrist with both hands as she fell to her knees before the blue Gem. And then, she looked up to her manically, almost desperately even as she made her horrific proposal. “Let’s be Malachite again!”

Needless to say, Lapis was completely caught off guard by such a bizarre, demented request as she practically felt the orange Gem’s obvious madness from the tightness of her clinging grip alone. “Why… why would you want that?!” she dared to ask, unable to imagine why anyone would willingly, eagerly desire to go back to being chained down and trapped like Jasper had been with her. 

“I was wrong about fusion!” the orange Gem professed with an unhinged smile. “You made me understand! Malachite was bigger and stronger than both of us! We could fly!”

“L-Lapis!” Steven shouted as he began to help Mabel back up. “Don’t listen to her!”

“Stay out of this!” Jasper barked back at him as she stood once more. 

At the same time, Lapis shook her head incredulously, her thoughts racing far too fast for her to even try to keep up with any of them. “I… I was terrible to you…” she began, her voice shaking just as much as her entire body was. “I liked taking everything out on you. I needed to‒I hated you! Malachite hated existing so much! It was bad!”

“I-it’ll be better this time!” Jasper argued, taking her hands once more, even as she tried to pull them away. “I’ve changed! You’ve changed me! I’m the only one who can handle your kind of power! Together, we’ll be unstoppable!”

Somewhere in the distance, thunder echoed off the lake once more, though Lapis barely heard it as she let Jasper take her hands once more. Time seemed to slow to a crawl as everything else grew hazy and distant, save for the orange Gem and what she was trying to promise her, what she was trying to get from her. And for the briefest of moments, that offer, that plea, almost sounded tantalizing. Because if Jasper was right about anything, it was that Malachite was powerful, that she had felt powerful while they were together. That, for the first time in centuries of being trapped and lost and alone, she had felt strong, she had felt like she had actually been in control of something, even if that something was a twisted, self-loathing mess of a fusion. It was an appeasing kind of control, even if it came at the expense of someone else and even herself. And for the briefest, tiniest of moments, she honestly considered taking that control for herself once more. 

And yet…

“And what do you want, even after all that?” Dipper had asked her just moments ago, tears in his eyes and anger in his voice. Anger that made complete and perfect sense, all things considered. “To go back to being with Jasper, back to being Malachite, like the rest of us‒like I don’t even matter!” 

 Is that what she wanted? Did she really want to tear herself away from people who she genuinely cared about, who cared about her in return‒people like Dipper and Mabel and Steven‒just to go back to someone she unquestionably, deeply hated like Jasper? Was whatever kind of demented control she had as Malachite really worth it to betray their trust, to turn away from their kindness, to do the very thing Dipper had accused her of by making his own sacrifices for her completely meaningless in the end?

All it took was the smallest of glances at Steven and Mabel far ahead of her, and perhaps most importantly of all, the most discreet look at Dipper still standing behind her, for Lapis to make the choice she knew she’d always stand by from here on out. Because she knew, above all else, what truly mattered to  her most of all. 

“No!” she exclaimed firmly, tearing her hands out of Jasper’s as she glared up at her bravely. 

“What?” Jasper hissed, narrowing her eyes down at the blue Gem. 

“What we had wasn’t healthy!” Lapis said, resolved and unshaken. “I never want to feel like I felt with you. Never again! So just go!”

“But Lapis!” Jasper tried to argue, though she didn’t get very far before someone else stepped in between her and the blue Gem instead. 

“She said no,” Dipper began coldly, sending a relentless glare up at the much larger orange Gem as he came to stand protectively in front of Lapis. “So leave her alone!”

“Dipper… I…” Lapis trailed off, unsure of what to say. Yet even so, Dipper briefly glanced back at her with a small, assuring smile, one that carried the promise that he was on her side, no matter what happened.

Briefly, genuine surprise filled Jasper’s expression at this intrusion, until sharp, sweeping rage rushed in to take the place of that surprise instead. “You again…” she growled hatefully, recognizing the continually interloping human before her immediately. “You always have to come to her rescue, don’t you? You may have ruined Malachite for me before, but I’m not about to let you take her away from me this time!”

In an instant, Jasper latched out, though this time, it wasn’t toward Lapis. Instead, she abruptly grabbed Dipper by the arm and roughly yanked him toward her, pulling him out of Lapis’ reach even as she made a panicked, yet failed attempt at saving him. Of course, from the very moment Jasper latched onto him, Dipper began struggling against her heavy hold, though all his attempts to pull away and free himself did little against the orange Gem’s immense strength as she found a way to turn the tables on Lapis completely. “Listen, Lapis, you “care” about this human, right?” she asked, sending a disgusted, disgruntled nod down at Dipper as he beat against her arm with his free hand as hard as he could. An effort that she easily ignored, despite how desperate it was. 

“L-leave him alone!” Lapis begged, her hands held up in tight, shaking fists as she looked between Dipper and Jasper anxiously. “Please, Jasper, this is just between you and me. He isn’t part of this. Let him go!” 

“I’d say he is part of this since he’s the reason you even agreed to fuse with me in the first place! And he’s gonna be the reason why we fuse again,” Jasper retorted, tightening her grip on Dipper’s arm to the point that it felt like it was going to snap right in two. Lapis winced as she heard him let out a small, involuntary cry of pain, one that shook her to her very core, especially as Jasper continued her cruel demands. “Either you form Malachite with me right here, right now, or…”

“O-or what?” Lapis practically whispered, her eyes wide with terror all the while.

“Or I take your precious human here somewhere you’ll never be able to find him,” Jasper finished, her tone deadly serious. 

“Dipper!” Steven and Mabel both exclaimed, aptly horrified upon hearing this. Without hesitation, they both acted on the same beat, joining hands as they prepared to form Maven so they could take Jasper head-on and save him. And yet, just before they could, Dipper managed to glance back at them, the fear in his expression obvious, though something else was there too. A certain sort of steadiness that came paired with him putting a silent hand up to stop them, almost as if he was sending them the unspoken message that he had a plan. Which, by all accounts, he did, especially as he noticed one of the decorative swords that had fallen by the wayside earlier lying on the ground just a few feet away from him. 

“I… you… you can’t do that to him!” Lapis shouted at Jasper, furious yet deeply afraid all at the same time. 

“I can, and I will,” Jasper coldly assured. “It’s either gonna be you, Lapis, or your human. Your choice.”

By this point, Lapis was nearly on the verge of tears as she glanced down mournfully. Because without even thinking twice, she knew what she had to do. She had already made the choice against becoming Malachite again on her own volition, out of her own desire to. But if it was for Dipper, if it could keep him safe now just as she had once thought it had before, then she would gladly, readily make that choice to give up her freedom again for him. For him, she’d do just about anything.

“O-ok…” Lapis whispered softly, sadly, as she prepared to return to the prison she’d hoped she’d never see again. “I… I’ll fuse with you.”

“Perfect,” Jasper said with a beaming, leering grin. Lapis simply closed her eyes as Jasper extended her free hand out to her once more, and yet just before it could reach the blue Gem, her approach was brought to a literal swift stop. 

It happened in an instant so quick that Jasper didn’t even catch it until after it happened. A blade that was otherwise completely dull came down on her hand with such a great amount of force behind it that it sliced through her wrist completely. Her hand instantly vanished into particles of the light her form was composed of, and as she let out a startled gasp by the unexpected amputation, her other hand just so happened to release its firm hold on her captive that had done this to her in the first place. 

Jasper only briefly paid any attention to her now stub of a wrist as she instead noticed Dipper, now free and armed with one of the decorative swords, taking his place between her and Lapis once more. The orange Gem glared daggers down at him, but Dipper met her ire evenly with his blade in hand, ready to use it in an instant if need be. “You will never, ever fuse with Lapis again,” he told her, his tone icy and unyielding. “Not as long as I’m around to help her.”

Jasper let out a loud, infuriated shout at this, her helmet forming over her head as she easily reformed her missing hand. “Then I guess that means it’s time to get rid of you ONCE AND FOR ALL!” she yelled, raising her head to bring down a vicious attack. Yet it was one that never landed, even though Dipper was brazely ready to face. For instead, at that very moment, Lapis reacted to rush to his rescue instead, throwing her hand up swiftly into the air. Along with the movement, a massive, powerful fist of water also burst through the boat itself, breaking through the boards just under the orange Gem’s feet before striking her hard. The incredible force of the blow was more than enough to send Jasper flying, not just off of the boat, but away from the lake entirely as she was helplessly flung far away into the surrounding forest. Her threatening presence gone for now, but hardly forgotten. 

In the immediate, newfound peace that followed, Dipper let out the breath he hadn’t even realized he’d been holding in as he lowered his sword and turned to Lapis with a small, relieved smile. “Lapis, that was-”

She immediately cut him off as she swiftly pulled him into a tight, protective embrace, her form still trembling with remnant terror as she rushed to check over him. “Are you ok? Did she hurt you?” she asked him frantically, holding his face in her hands so she could inspect it for any sort of injuries. 

“N-no, I… I’m fine,” he assured her, placing a comforting hand against her arm. Lapis responded by loosening her grip on him, letting out a small, tired sigh though she hardly returned his allayed smile. 

“Dipper!” Almost out of nowhere, the pair was caught off guard as Mabel suddenly crashed into Dipper, wrapping him up in a tight, elated hug. “What you just did was totally awesome! I mean, cutting off Jasper’s hand? That was like the most metal thing I think you’ve ever done, bro-bro!”

“Heh, thanks,” Dipper chuckled somewhat bashfully. 

“And Lapis, you were amazing too!” Steven chimed in brightly, beaming at the blue Gem. “The way you stood up to Jasper was so brave! Not to mention how you sent her packing at the end there.”

“Yeah…” Lapis frowned, glancing away in shame. “Brave…”

“I-is everyone all right?!” Greg called as he and Stan turned the corner to arrive on the main deck. They were quickly met with a surprising sight, however, as they noticed the gaping hole in the center of the vessel, one that was quickly causing it to sink lower and lower into the water with each passing second. 

“Geez, I probably could have fixed the engine in like, an hour or two,” Stan remarked, hands on his hips. “You kids didn’t have to go and just trash the thing like this.”

“W-wha… what happened?” Greg asked, aptly distraught by the irreparable damage. 

“Uh… It’s… kind of a long story,” Steven said, leading the way to the highest edge of the boat. Lapis was quick to create another large hand of solid water, one that most everyone was easily able to fit on for the ride back to shore. The blue Gem stopped Dipper short of hopping on it however, as she instead silently offered him a different mode of transportation as she summoned her aquatic wings instead. He took the hint and climbed on her back, holding on as she took flight and guided the watery hand she’d made for the others across the lake, leaving the now abandoned, defunct vessel behind as it sunk into the water entirely. 

“I guess I bought a boat after all,” Greg sighed as he watched the boat disappear below the depths. 

“Yeah, one you can’t even use,” Stan remarked. “What a ripoff! Oh well, at least I managed to snag the treasure chest-shaped cooler on our way out.” He grinned, holding up said cooler for everyone to see. 

“Ooo, well that’s better than nothing, right, Dad?” Steven said with a small grin. 

“Yeah… I guess it is,” Greg agreed, fondly ruffling his son’s hair. 

It didn’t take long for Lapis to get everyone safely back to the dock they’d started from, though instead of landing upon it herself, she instead took flight once more with Dipper in tow. “Huh, I wonder where they’re going,” Mabel said as she watched them take to the skies. “Maybe we should follow them? Just to make sure they’re ok?”

“...I think they’ll be fine,” Steven assured, keeping his sights set on the pair as well. “Looks like they just need some time to themselves.”

At the same time, Dipper couldn’t help but glance back at the dock they were leaving behind from his spot on Lapis’ back. Instead, she seemed to be taking him up toward the falls above the lake, something that couldn’t help but confuse him given her relative silence since the boat had sunk. “Lapis, what’s going on? Where are we going?” he finally asked her a moment later. 

“...We need to talk,” was all the blue Gem said as she kept going, not even bothering to so much as even look back at him. The rest of the flight was steeped in silence on both sides, even as they arrived at the top of the waterfall cliff. Yet almost as soon as Lapis set Dipper down on solid ground, that silence swiftly, suddenly came to an end. 

The moment Lapis landed, she was quick to turn to face him, her manner and tone quite severe, even though the underlying hints of fear and worry were clear in both as she spoke adamantly. “What in the world were you thinking, Dipper?” she asked. “What you did back there… Standing up to Jasper like that… you could have gotten yourself killed!”

“W-what was I thinking?” Dipper countered in disbelief at such a question. “I was thinking about how I was willing to do whatever I had to to keep you from fusing with her again! You’d already told her no, but then, when she threatened me, it was like suddenly none of that even mattered anymore!”

“It didn’t matter!” Lapis shot back fiercely. “Why don’t you understand that all that matters to me is keeping you safe?! Why else do you think I even fused with her in the first place?!”

“Oh, so what Jasper said is true, then?” he countered angrily. “The only reason you became Malachite to begin with was because of me, right?!”

“Ye--no!” she quickly corrected herself. “No, of course that’s not true! I… I just…” she sighed, bitterly. “I fused with Jasper because I thought it was the only way I could keep her as far away from you as possible. That’s why I was ready to do the same thing again today. I… I don’t want you to get hurt; I never wanted that…”

“Well, it’s way too late for that,” he scoffed coldly, crossing his arms as he turned away from. “When you fused with her, when you trapped yourself at the bottom of the lake, it did hurt me…” He paused, shaking his head remorsefully as he tried his hardest to fight back tears. “It hurt me so, so much because I knew, right from the very beginning, that it was all my fault. You were gone, a-and I missed you, and you were just down there suffering non-stop and… and I couldn’t do anything to help you. A-and every time I tried… I… things always just got even worse…”

For what seemed like ages, Lapis was silent as she watched Dipper take a solemn seat on the edge of the cliff. Not knowing what else to do, she joined him, waiting an hesitant moment or two before posing a question she knew she shouldn’t even ask. “W-what actually happened?” she began slowly. “W-with that Bill guy, I mean. Steven and Mabel told me a little, a-about how he tricked you into making a deal to help me, but… I don’t know much else outside of that.”

Dipper let out a long, weary sigh, placing his face in his hands as he finally decided to come clean. “It was stupid…” he muttered crossly. “I was stupid. He promised he’d help me figure out a way to save you in exchange for a puppet. But what he didn’t tell me was that I was actually the puppet he had in mind. So he stole my body, took it for a joy ride, intentionally hurt it--practically killed it, and nearly did the same to Mabel and Steven too until they barely managed to kick him out of it so I could take it back. But even then, i-it’s taken me a really long time to recover, both inside and out. Sometimes I wonder if I ever really will at all” 

Lapis didn’t initially say a word in response to this tale of incredible woe as she let it sink in, along with the heavy wave of guilt that came along with it. “Y-you… went through all of that… because of me…” she said, her voice barely a whisper, though it was heavy with shame all the same. 

“N-no, Lapis, I… I shouldn’t have said that earlier,” Dipper quickly countered. “I-I didn’t mean it, I was just upset-”

“And you have every right to be!” Lapis interrupted sharply. “You were right, Dipper; you did so much to try and help me, a-and what did I do? I nearly went and fused with Jasper all over again like it was nothing!”

“But you were going to do it for me,” he retorted firmly. “And that’s not nothing.” Unsure of what else to say, he sighed once more, lying back to lay in the grass as his feet dangled over the edge of the cliff. It didn’t take Lapis to join him, and for a long, quiet, almost peaceful moment, the pair rested in silence, watching as the stormy clouds above began to clear out for sunny skies once more. “Isn’t that messed up?” Dipper finally said with a small, yet bittersweet laugh. “How we both put ourselves through something so terrible just so we could try to help each other?”

“Yeah…” Lapis muttered fretfully. “It is…”

“Maybe… maybe that’s not how this is supposed to be,” Dipper continued, his tone sincere. “There’s gotta be better ways to protect your friends out there than losing your body to a psychotic demon or trapping yourself in an unstable fusion deep below a lake.”

“Well, if there is, I’d love to hear it,” the blue Gem remarked as she rested her hands behind her head.

“...Sword fighting was what helped me,” Dipper said as he sat up once more. “It gave me a better way to keep the people I care about safe, a-and best of all, it finally helped me feel safe again when I wasn’t sure if I ever world. So… maybe we just need to find something like that for you too.”

“We could always start with fishing,” Lapis joked, eliciting a small, warm laugh from Dipper that she couldn’t help but join in on. Once the beat of much-needed levity passed, however, there were still hints of worry lingering in the air between them. 

“Lapis…” Dipper began earnestly. “Are you alright after… well, everything?”

“Yeah,” the blue Gem nodded as she properly sat up herself. “I think I’ll be ok. What about you? Steven and Mabel mentioned something about you having… ‘nightmares’?”

“Oh, those…” Dipper frowned, wishing that the pair hadn’t been so presumptive, even if they were correct. “They’re just… I-I… I don’t know where they’re coming from. I mean, Bill is a dream demon so I guess it makes sense that he keeps showing up in my dreams, but, it’s not like he can really do anything since Grunkle Ford and I put that barrier up to keep him from getting into the shack. Still, I-I don’t know, it’s just… weird. Nobody’s even heard anything from Bill in a really long time and now suddenly, right out of nowhere, he keeps popping up in my nightmares again when he hasn’t in weeks? I know I’m probably wrong‒I hope I’m wrong, but… I can’t help but feel like something really… bad is about to happen soon…”

“Well, if this ‘Bill Cipher’ does show up trying to hurt you again,” Lapis began with a hint of firm resolve in her tone. “Then you better believe I’ll make sure he never gets the chance to again. He won’t mess with you again, not as long as I’m around.”

Dipper couldn’t help but smile upon hearing this, knowing that this comforting promise essentially echoed his own to the blue Gem. And perhaps, if the need ever arose again, then they could both find better ways to keep those promises than they had before, in the hopes that they would never need to be so cruelly separated as they’d been before ever again. 

A beat of gentle, contented silence passed between the pair just as the late afternoon sun started to set beyond the distant cliffs. It cast a bright, almost golden glow upon the waters of the lake far below them, a lake that had once been a place of such strife for them both, but now, only seemed to radiate peace and tranquility instead. “You know,” Dipper said with a soft, easy smile as he enjoyed the view. “The lake really is beautiful from up here.”

“Yeah,” Lapis earnestly agreed as she gently, affectionately ruffled his hair. She had no doubts she’d always treasure moments like these, because even if they’d been so hard fought for by sacrifices and guilt and grief on both of their ends, they were moments they’d finally managed to somehow win at long, long last. “It is.”

Next:

[g5b3ysjw-blog]

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Hey much will auto insurance cost me?

Hey much will auto insurance cost me?

hey i will be 16 yrs old soon enough but i need an auto insurance i live in orlando, does anyone know how much it will cost me?whats the cheapest?

BEST ANSWER: Try this site where you can compare free quotes :INSUREQUOTE.US

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"delta health insurance quotes

delta health insurance quotes

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

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Can I take my drivers test without insurance?

I plan on taking my drivers test on Monday (today is Wednesday) and I called my family's insurance company, but they said they will have to get back to us at the end of the week because they have been busy helping people cover storm damage (obviously, we recently had a bunch of tornadoes go through my town) and I am not sure if I can be insured by Monday. If that is the case, can I at least take my test? If it makes a difference, I live in Missouri.""

""On average, how much does the insurance go up for a 16yr old boy?

Driving insurance lol

What is the average cost of car insurance people pay annually?

Is 480 dollars annual payment for car insurance a good deal for one vehicle, single driver?""

Is there anyone that has Mercury Car Insurance? I am wondering if they are any good? Please help!?

Just curious on how they rate compared to other insurance companies.

Car insurance quote help?

i'm getting a quote for a vw polo and when it comes to asking how long you've held your licence for does it mean how long i've had my full licence for or how long i've held a licence since my provisional

What would be the car insurance for a used car?

What would monthly car insurance cost for a used car about $2000 give or take..

Are there any affordable health care plans?

I'm a 21 year old female who lives in NJ. I do not have any children. I was going to apply for NJ Family Care, but you apparently need to be a parent/guardian. I cant get medical ...show more""

""18yr old car insurance, on my own.?""

im looking for cheap car insurance for a 2000 vauxhall corsa envoy 1.0, i have to have my own policy cause my dad has passed and my mom don't drive, my uncle has offered help me but we have been told its illegal for him to be the policy holder if i own the car, does anyone know a cheap insurance company??""

Where can I find a CAR RENTER'S INSURANCE that I could use for a week?

Found a cheap rental car- but they require insurance. Need a short short term insurance for renting car- HELP?

Does anyone know of Affordable Health Insurance for a Women in her 20s?

I will be 22 in a Month and recently tried to donate plasma and was told my blood sugar level was to high and they were concerned I may have diasbetes. I'm not covered by my parents health insurance anymore and I really need to find something that could help me. I do have a job and probably will have to work full time in order to get any health benefits. But is there something else out there anyone knows of where I can afford to pay for health expences?? I appreciate greatly. Thanks!

Will insurance cover us?

i just enrolled in insurance through my work a few days ago but coverage doesnt kick in until january. my wife went to the doctor today and i found out its gonna cost 1400$ for blood test. will they cover things from the date of enrollment or the day coverage starts?

How much will this ticket bring up the car insurance?

My boyfriend is 17 and getting his license. About a year ago, (last summer) when he just had his temps, he was driving without a parent and speeding in the middle of the night. The speed limit was 65 and he was going 104... He got caught by the police and had to go to court but he got off easy and they didn't give many charges. They let him off really easily actually. He just got his license delayed for 3 months, so he had to wait 3 more months to get it. That was all that happened though. So now he's all worried about how high his insurance will be and how many points will be added on his license and stuff. Like how much higher will his insurance go up? He lives in Ohio. &He's not a bad kid or anything.. he was just messing around with a few friends one night and they just so happened to get caught...""

If I can't afford the affordable care insurance how do I know what the penalty is for not subscribing?

If I can't afford the affordable care insurance how do I know what the penalty is for not subscribing?

Will the eclipse GSX make my insurance more than the GS?

Ive been trying to to see if the insurance is cheaper on the GS than the GSX because i dont want to get ripped just because it has a turbo. But i also dont want to buy the GS and then have to buy a whole bunch of new stuff just to put a turbo on it.

Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none

If you drive someone's car who has insurance on their car but you don't have any auto insurance and you get in a wreck does their insurance cover it or could you get a ticket for driving without insurance? Would you be an uninsured motorist even if the car you drove was covered by someone elses insurance?

What is the cheapest car to insure for a 17 year old girl?

My daughter has started driving lessons and will soon be looking to take her driving test, we are looking to buy a car for her, but want to start with what are the cheapest cars to insure""

What if I choose not to have insurance on my car? whats the big risk im taking? Do i even need it?

I am 19 years old, I have been legally driving since I was 17, but have actually been driving since I was 15 (Yeah crazy huh?) (My dad was my teacher) Thankfully, I have never been in a car accident. I am a very careful driver. Point is: I want to buy a used car, and I don't feel like having car insurance is even necessary. I'm not made out of money and I really NEED to save the extra cash. Also if you have ever gotten a ticket for not having car insurance , how much was it?""

Cost estimate of motorcycle insurance for female?

I'm 18, female, live in Colorado, with a clean driving record and no bike yet. I'm thinking about a Kawasoki Ninja or Sportster. I cant find insurance estimates! Can someone help me figure all this stuff out? What I need to get and how much its going to cost me?""

Where can I get the best Auto Insurance Quotes?

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

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

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

Car insurance / liability coverage?

My brother, who is insured with a different company, had an accident with my car. There were 3 cars involved in the accident. He hit the first car in the back which hit the second car and so forth. I don't know whether it was his fault or not, and we did not informed my brother's insurance because it was my car that was crash. The problem now is that, I have only had basic coverage, and my insurance is telling me that my liability coverage ($5000) can cover only one car, meaning that I have to take care of the 2 others cars. So I am wandering what should I do? Please advice""

Car Insurance Policy When Not Vehicle Owner?

Can anyone help? My boss has bought me a car but because Renault were unable to put the finance agreement in the company name it had to go in his name, which meant that the ownership of the vehicle did too. Not the problem I have is insuring this car as insurance companies won't insurer me as the driver if I am not the car owner unless the car is owned by a spouse etc...so, I am assuming that the only way round this is for my boss to be put as the main driver and me as an additional driver...if this is the case what will happen if I have an accident or conviction, or he does? Also what about No Claims Discount as I previously built up 3 years on my old car. Please help I really don't know what to do! Thanks""

How much would this monthly payment approx be?

A new car that was a total cost of 16 thousand dollars. Monthly payment would be around 140. Plus full coverage insurance?

Oregon car insurance?

Can I give my daughter my car registered in my name and she get car insurance for it?

""I need help getting good and affordable health, life and dental insurance for me and my family-please help?""

All I have is Medicaid, I want better dental and health insurance, and my family and I don't have life insurance. When my dad died he didn't have life insurance. I'm a bit concerned because I'm in my 30s and my mom's getting old, and I'm concerned about my little brother. My mother doesn't have dental insurance. I want my brother to have better dental insurance too. I need dental implants. Please help me out.""

delta health insurance quotes

delta health insurance quotes

""Health Insurance, Texas?""

OK I'm 20 and have a part-time job, I don't have health insurance and don't know much about it. Anyway I mainly doing it to see a docter, to see if I have any problems like adhd, bipolar or whatever, which I THINK I may have. Anyway whats a good/affordable plan if thats all I want to do? Maybe something that will cover prescription drugs, if needed.""

Insurance on a moped (under 50cc)?

i am interested in buying a 50cc or less moped, geared or not geared, it doesnt honestly matter. but i dont have a clue how much the insurance for it could be. could anyone give me a rough estimation of the cost of insurance of this moped, as i am 16. can anyone help?""

How much will be car insurance be?

The car is a Honda Logo and the first part of the registration is W388 It is manual hatchback, uses petrol and isn't modified. I have no idea on the mileage. I am 17 year old new driver. My mother, father and grandma are all drivers on this car, I will just be an additionAl driver. They have all been driving 20+ years and have no claims. I live in an area that is fairly busy. The car will be parked on a public road outside my house unless in use. It will be used by me for social only. My other family members use it for running errands and shopping. How much can I expect my car insurance to be on this car? Will it be less than 2000? Thank you""

""Thinking of buying Subaru Impreza WRX, What are upkeep/maintenece and servicing costs/?""

I am thinking of buying an impreza and have tried to find info online about servicing and upkeep costs of them. I have been looking at both 2.0 wrx 03-05 models and also the newer 2.5 wrx 55-07 model (havent decided which yet!!). I have an insurance quote fro around 750 for both and I am happy with this. I have seen a few cars that I like. One of which is an 03 reg 54,000 miles. the other is the newer model 06 reg done 54000 miles and another of the same model thats only done 45000 miles. Can anyone tell me what the maintenece costs would be on this with doing about 6000 miles a year? When would the next service be due and what are the likely costs of these? Regards""

Can i have two different Auto Insurance policies?

I have two different cars can i have two different policies on each vehicle in the state of kentucky?

What is the best teen driver insurance in California?

Taking driving test tomorrow and need insurance coverage for just me, 18 years old.""

How do insurance companies determine a vehicle's value in a crash? Do they look at the Kelly Blue Book Value?

How do insurance companies determine a vehicle's value in a crash? Do they look at the Kelly Blue Book Value?

What is the best car insurance company in Britain?

I am 17 and looking to be put on my dads insurance. The car is a 1.4 Renault Clio and the cheapest quote is 1600. How do you get them to take the price down when speaking to them on the phone? Also I have had a bike for a couple of years with my own insurance, will this make a difference? Cheers!""

How much does it cost to insure a scooter??

I am considering buying a scooter (125cc) to commute to and from work. I am 29 and live in Tottenham, North London. How much approximately would I expect to pay in insurance - I plan to pay about 1000 for a bike.""

Question on insurance for a new driver!! (california)?

im sixteen and i just got my license, one of my friends parents told me that i could drive thirty days without insurance, untill they get it fixed. I just wanted to know if thats true or not! i need a quick answer please!!!! ohh and i live in california""

Insurance for acura rsx?

I am thinking about getting an acura base rsx. Im 16 years old. How much would insurance be I live in ky

Can anybody tell me what impairment rating have to do with an auto settlement?

my lawyer tells me she cant make a demand to the insurance company till i get an impairment rating from my doctor. what does that mean and what is a good rating?

Whats the average time it take to a car insurance claim to go through?

Whats the average time it take to a car insurance claim to go through?

Where can i get cheap car insurance as a 17 year old?

everytime i keep searching for a quote, i get silly prices cheapest i can get is 5,500! only problem is, is that ive got a 1.4 litre citroen saxo""

What is the cheapest motorcycle insurance?

What is the cheapest motorcycle insurance?

Car insurance ?????????

Which is cheaper to go in a car insurance office or over the phone or the net.

Is there a loop hole in motorcycle insurance?

I'm going to finance a motorcycle at a dealership. I know I will need full coverage insurance, and being I first time rider it will be expensive. My question is, can the dealership find some loophole through the system to make insurance cheaper? I live in california""

Is it true that you have a red car you pay less insurance?

one of my friends told me that if you have a red car you pay less insurance ... i wanted to know if this is true and if so what is the reason for it .. thanks for the info and God Bless

How much for car insurance for a 17 year old?

I saved up and bought a 1995 Acura Integra ls 4 door from my cousin. And My parent's have state farm. I was wondering how much the car insurance would be for the down payment and monthly. Please and Thank you!

I need help for cheaper auto insurance... any suggestions in my situation?

I was really stupid as a kid. When I first got my New York State drivers license within half a year I had gotten 2 speeding tickets, a DWI under the age of 21 (I blew a .16 and was reduced to a dwai luckily), seatbelt violation, talking on the phone while driving, and not fully stopping at a stopping at a stop sign. I got my license suspended for a year and I've been able to drive for over a year now. Ive matured a lot sense I was in high school and regret all of it but because of all the stupid, irresponsible, things I did when I was a teenager my insurance just to drive is putting me in debt its so high. Does anyone have any advice to get cheaper insurance in the same situation as me? And please no your a bad person you could have killed someone responses. I've learned my lesson and would like to go on with my life without paying thousands of dollars for insurance. Thank you!""

Car Insurance/Title help?

I'm having a baby due at the end of this month and my car was just totaled by hitting a deer so I need to get a new one asap. The car that was just totaled was my first car which was in my parents name and insurance was also under there name. My boyfriend will be getting the loan for the new car because he has better credit, but we wanted the insurance in my name because it is cheaper so how do we go about doing that? If even possible""

What car insurance co. should I go with?

Can anyone offer suggestions for a company easy to, and willing to work w/you? I presently do not have insurance. I am on a fixed income. Money is always an issue. I need low rates. My car is old so I only need minimum. Was with SafeAuto -- OK, but not thrilled with them. Are there others out there legitimate and with good reputation? Pls remember, I cannot afford a lot. My inspection is coming up. Many many thanks!""

Buying health insurance for the first time?

I'm looking to buy health insurance, but not sure what type to get. I'm very healthy and have no children so it would be just for myself. Should I do a co-pay plan? HMO or PPO? Not sure.""

""Insurance, I need a awnser.?

I bought a car with some cosmetic damage. It needs a new quarter panel. If I get insurance on the car will they fix that?

Would I need insurance?

Ok so I'm thinking about getting an iPhone 4s. I want one so badly. It's 29 a month but insurance is 10 a month and I can't afford to pay another 10 a month, would I need insurance? The handset price (how much you pay on the day for the actual phone) is 29, so if I break or loose or someone steals the phone, would I pay 29 and get another headset, or will they make me pay 29 for a phone I don't even have? I live in England btw :)""

delta health insurance quotes

delta health insurance quotes

Do I have to pay for insurance on a moving van rental?

I want to rent a moving van from Uhaul. They won't let me rent the van unless I pay for their insurance coverage. Is that legal?

How much is a the monthly cost for a used car including insurance ?

I would like to buy a good used car around 6000 ..but, I would like to make a dewn payment of 1500 and get a financing for the rest .... What would be my real monthly cost ...? a friend told me that I will have to pay insurance as well ... and that it could 235 per month w/ Geico or 135 ..... Do I have to get an insurance for my car ? Do you yourself pay your car loan + insurance ? if yes, how much ..? what can I do to pay less insurance ?""

California car insurance - any tips on what online carrier gives the best rates?

Ive been looking for ages for someone in my state to give me a good rate on a policy. Im not a high risk candidate and im in my forties.

Im 16 and trying to get my license but my parents won't let me because of insurance costs

anyone have any ideas?? btw im not allowed to work

Why is car insurance so expensive in the UK?

I'm a 19 year old male with 2 years no claims. I have just come back from the USA where everyone there drives huge engined trucks and cars, including even the 16-year-olds. Fed up with driving a tiny hatchback, I enquire about insuring my Dad's dormant K reg BMW 735 auto LPG which is a really nice cruising car ideal for long journeys. However the insurance companies reject me almost immediately. Why is this the case in the UK? Why am I not allowed to drive a nice car albeit old just because I am young? I'm a keen car restorer and take the utmost care whilst driving, and living on a farm have driven most vehicles, so would not say I was inexperienced. Does anyone know of any bespoke insurers or do I really have to stick to driving a tiny hatchback until I'm 25? It seems as though the whole system is unfairly against me :(""

Someone hit my bumper. Car insurance question?

I was in traffic today and someone hit my car from behind , damaged my bumper. I have statefarm and fully covered. I have never been in this situation , and plus i think it's getting a little bit complicated. Because the guy who was driving the car doesn't own the car. And the guy who owns the car's name doesn't seem to be the one who's insured with the car(it seems to be his wife or someone ) Usually does this matter?? What are the procedures I should take to get this done asap . I want honda to fix the damage. Will the other person pay for this damage. What should I watch out for ? any kind of traps? I have a small backpain. is that covered under insurance also ? I think they have allstate. please help !!""

Stick with USAA auto insurance? Or shop around?

I always thought they were not just the best, but also the cheapest (if you qualify to insure with them). But I'd like confirmation of this, or other opinions... should I shop around for my auto insurance? Switching to another insurer seems almost unthinkable - I've only ever been with USAA...""

Universal Health Care- Insurance Companies?

Will private insurance still be available if the US becomes a single payer health care? If not, what will happen to all the insurance companies, will everyone be laid off?!?""

Can a vehicle get insurance by someone other than vehicle owner?

Can a vehicle get insurance by someone other than vehicle owner?

What are the steps to obtain medical insurance?

I used to have peachcare,but my parents said something happened to it and I don't have insurance anymore.""

How much will a insurance be for a student in Alberta?

Hi, I'm turning 16 in September and is planning to get my licence right away. I haven't bough a vehicle yet, however, I'm planning to buy a car with a price range of 1000-2000 for used car. I didn't take any drivers training, I live in Alberta and I'm also a male. Around How much will my insurance be per month?""

How Much Will My Car Insurance be?

I am a 16 year old boy, the type of Car Im look at is probably a 1999 Toyota Four Runner for about $3000-$4000. I got my liscence about a week ago and now I just need to get to a 3.0 GPA so that my insurance will go down. Can anyone tell me and estimate of how much money I'm looking at paying monthly for insurance with and without the 3.0 GPA? Thank You""

What car to get for my first that will be low on insurance?

How much for the car and insurance it will cost me ?

How to find cheap insurance for my 318i bmw 1999?

How to find cheap insurance for my 318i bmw 1999?

How much should my insurance go up with a new car?

Right now I have a 1995 honda accord, I play about 90 a month, what should I expect to pay with a 2007 mazda 3?' Im 19, on insurance with my parents, no tickets or accidents. THANKS!""

How much would insurance cost on a dodge charger in nj?

How much would insurance cost on a dodge charger in nj?

""I totaled my car, do i need gap insurance for them to pay off the vehicle?

i have totaled my car and i have full coverage. will my insurance company pay off my vehicle?

What is the cheapest auto insurance for teens?

I can't find a policy under $1700, Or even anything under $290 a month. Houston Sucks!Im 18 and I pay more than anybody in my entire family.""

How long does insurance company have to respond to a claim?

Was in wreck w/semi-truck in Oct.. Driver took pic of wreck and brought back w/him. His insurance will not respond to lawyer. How long to they have to respond. If anyone knows, about average amount a trucking company will pay. They found out I have nerve damage to right leg-may not ever be able to return too work. Thanks for any input.""

Average cost for motorcycle/scooter insurance?

Im considering getting a scooter or small motorcycle, and was just trying to estimate my monthly payments, including insurance. Could you please give me an estimate or exact numbers on how much i should expect to pay? And is it generally cheaper with a smaller bike? cheapest with a scooter? Im 25, no accidents or tickets whatsoever, and am looking for something between 80 and 250 ccs.... Thanks!!!!!!!""

Bad Faith Auto Insurance?

Should I hire an attorney for this?, I purchased a policy online a few months ago within the first few days that i had this insurance I had a storm and damaged my vehicle (minor) with hail damaged I submitted out a claim, appraiser was sent they covered the loss sent a check to me, now i take it to the bodyshop and try to have it fixed but they need a supplement, they contact insurance co. but insurance co, makes many excuses over this they state I dont have full coverage which I do, and it was verfied with them that i do, the next few weeks pass and then I finally get a call from a manager at the insurance company stating that they mistakenly sent me out a check because I made a false claim report, they said that they can tell by my pictures before policy was bought that vehicle had damaged (which is an excuse of denying supplement) and stated the the adjuster overlooked everything point here is that insurance co, cancelled my policy by stating underwriting issues, so now Im without insurance coverage, the manager also stated she reported this to the texas state but mentioned she could not put a stop payment on the check and that I could still use it to fix the car or cashout the check... I am really dissapointed at how all this was handelled, Im thinking about getting an attorney, I already discussed and this issue with the Insurance company and Im basicly told that I lied about the claim and they end my call... Should I wait to get an attorney or should I just get one and go from there? I believe this is bad faith insurance coverage, What should I do? I mean I still have the check it is not cashed out, I cant really do much with this check everyone charges an arm and a leg, can they file insurance fraud charges and if so even though I know I did everything right should I get an attorney?""

Question about Car Insurance? This is crazy!?

I have a question about car insurance. I was recently shopping around for quotes for car insurance. I had gotten an email about Washington Mutual Car Insurance, so I decided to get a quote. I was astounded when they quoted me with $2500 every 6 months or $5,000 a year. I was just completely blown away. My car, a 2004 Nissan Sentra, is barely even worth that much. I called them up and asked why they were quoting me that rate and they said it was because of my age and credit score. I am only 23 and I have really bad credit, but there is NO OTHER insurance company that quoted me a rate anything near as high as that. Progressive quoted me $600 every 6 months or $1200 a year. Geico $613 every 6 months or $1200 a year. Allstate was $1,200 every 6 months or $2,400 a year. And State Farm was $800 every 6 months, $1600 a year. These quotes were all for identical insurance policies. I have never been in an accident, never been arrested, never been given a ticket for ANYTHING. Does age and credit score make that much of a difference? That is insane, no one in their right mind would pay the full value of their car every year in insurance fees. What do you think?""

Best health insurance for single young adult?

I am looking for a decent health insurance plan that will not cost me and arm and a leg but will still give me good coverage. I am self employed (a cosmetologist) so obviously my company does not supply it. I want it to cover health and dental. Any suggestions?

How much will it cost to insure a Subaru Impreza WRX?

It'd of course be under my parents insurance, which is either Travco, or Liberty Mutual. Not sure which one it is, I'm 17 got my license at 16 and a half. I live in Eastern PA near Allentown. The car year will be 2004-2008 and will have a value ~10k. I also have a 3.6 GPA, and I heard there is some good student discount. Thank you""

With a driving permit in California ? Insurance ?

Can I drive my dad's car but with somebody else teaching me to drive. Do I need to be in the insurance policy ? How does that work?

delta health insurance quotes

delta health insurance quotes

What are the average costs on registering a new vehicle and buying a title & tag?

I'm thinking about buying a 2008 Honda Fit, and I've already recieved quotes from financing and insurance salespersons, but I still need to figure out the costs of the ...show more""

""Car accident, neither driver has insurance?""

Was in a car accident yesterday. The other driver was completly at fault. He gave me insurance info, but has just informed me he was dropped due to lack of payment or something. I also have no insurance. YES, I KNOW ITS ILLEGAL TO DRIVE WITHOUT INSURANCE. IF THATS ALL YOU HAVE TO SAY MOVE PAST MY QUESTION!! What am I suppose to do? Do I need to try and get a lawyer and sue? My car was totalled,my hip is in a lot of pain, so is my bfs shoulder n back. The other driver is fine and had very minimal damage. Im at a loss, any advice would be.greatly appreciated""

How much will this car insurance be?

im 18 just about to get my liscense , im looking to get and audi a3 worth 7.999 used . how much approx woukd insurance be?""

Non-vehicle owner driver's insurance?

I just got my drivers licensce today. I need insurance to drive even though I don't own my own car and will use my parents?

How is charging insurance based on age and gender NOT discrimination?

Car insurance and health insurance always use your age and gender for a basis on how much your charged along with other factors. How is this not discrimination?

Best insurance lawyer in southern california?

i had my car stolen and the insurance company is trying to screw me so i need a good lawyer to help me fight back.

Can i cancel my car insurance immediately? cancel same day and not pay for the following month?

The reason is i sold the car and the insurance guy said the car is still in the system (1st of the month), so i would have to pay still. he said if i canceled on the 15th it could have been canceled sooner and i wouldn't have to pay. i just think it's odd since i don't even have the car anymore. not sure if this makes sense? thanks""

Affordable care act being implemented question?

How would you explain when/how the ACA is being implemented? I'm writing an article and here's what I've included in the first paragraph: As the new Affordable ...show more

Im getting my first car but my mom says 2 dr car insurance is more expensive than a 4dr is that true explain.?

i love my mom but i wanna pick what i drive i want a two door car because if i get a 4 door car ppl are gonna leave there trash in it and im gonna be pissed off. My great great grandfather told me that the driver don't pick the car the car picks the driver and i understood him i want a car that is suitable to standards the most important thing it has to have is a sunroof/moonroof cd player and all power options. my mom just doesn't understand me or my life can someone please help me just a straight shot of info which car insurance is more expensive a 2 door car or a 4 door car.

Insurance?

isnt an insurance company suppose to cover your car regradless the person driving it? well my boyfriend was driving my car-just bought-brand new car- and got into an accident. Now my insurance company denied my claim cause they say he wasnt under the insurance. but should my car be cover regradless if the person driving wasnt? I mean I pay monthly payments and then they are just gonna deny me after an accident. could anyone help me? any advice?

Wife was rear ended and i have no insurance we live in illinois and car insurance is required?

My wife was on her way home from work and was stoped at a stoplight when a car hit her from behind and we have no insurance but witness reports say the other lady is at fault will my truck be fixed by her insurance

""After buying a used car, could I drive it right away without auto insurance?""

After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!""

Can you have more then 1 life insurance policy?

Can you have more then 1 life insurance policy?

How much is car insurance in schaumburg illinois?

How much is car insurance in schaumburg illinois?

How to get health insurance for my daughter?

I'm 22. I have health insurance coverage under my parents (it's just better insurance than I could get on my own, that's why I've kept it). However, I am pregnant and need to find insurance for my daughter for when she's born. Under my current insurance, I am covered but she is not. My question is, what should I do? I got an application for Medicaid but will it cover her before she is born, even though I don't need insurance? Any advice?""

How to Insure a used car dealership?

I just opened up my own little used car dealership and I was wondering what kind of insurance I would need. I'm not doing any repairs of any sort so garage keepers insurance is unnecessary. I currently don't have any employees so I also won't be needing workers compensation. But just for the lot and for the sake of my business what kind of coverage do I need. Thank you soo much.

Why am I forced to buy health insurance?

I do not want to buy any type of insurance and am willing to live with the potential risk this involves. I respect that others might want to buy insurance, but do not force me to buy it. I respect the decisions of others when they decide to be insured, so in return they should respect that I do not want to be insured and live with the risk this involves. It would then be my own fault if I come into a situation where I would find myself unable to pay health-care costs and succumb to my disease/injuries. So why do some people and the government continue not to respect my way of life if I respect theirs? And please do not say that because public hospitals would be forced to treat uninsured people like me - the government should immediately repeal this socialistic law/practice, too!""

""Can I fight an auto insurance company, to prevent my car from being declared a total loss, in California?""

Its an older car but only has a small dent. I understand that its the value of the car vs their estimate of repairs that they are basing this on, but they didn't include options like A/C, cruise control, power door locks and power mirrors and others when figuring its worth. They instead based it on an average car in my area. When doing the math the difference between fixing the dent and totaling the car came out to $18.00. Clearly the addition of the options would have covered that spread in my favor. I want to fight this because I don't want to have a salvage title. I was not at fault and the other parties insurance has already sent me a check I have not cashed nor have I signed anything. I want to know what I can do. And if I am stuck with the total loss, do I have the right to recover for re-title and re-registration charges and smog fees that are going to add up to a few hundred out of my pocket since I am keeping the car. Thanks for taking the time to read my question.""

Insurance for 98 prelude?

i found a 98 prelude that is in my price range but before i could buy it i was told to find how much insurance would go up. i am 17 and have been driving for about a year now and not been in any accidents or had any tickets. i don'tt know much about how car insurance works so if anyone knows from experience or any other way how much it might go up that would be great thanks in advance :)

Cheapest Car Insurance for a teen ?

Hey everyone I am 18 and...still live with my parents for 1 more year :/ Anyways, I finally bought my own vehicle with my OWN money and it feels great doing so :) But now I have to pay for my own insurance, and where I work (LongHorn SteakHouse) doesnt quite make me any bank haha. What would be the cheapest possible car insurance for me ? CAR : 2000 Ford Ranger 2 Door Only front seats (not an extended cab, or doesnt have the pull down seats) I have NEVER been in an accident nor have i gotten any tickets if that helps.""

Help with finding a good honest health insurance provider?

I am a college student looking for affordable insurance with decent coverage. (it's like a needle in a haystack, I know) I don't have any major health problems, so that wouldn't be an issue. I'm already looking into state regulated programs, but I was wondering what privately owned companies might have to offer. What companies have you had a good personal experience with? Or what companies have given you the run-around? What companies should I avoid? P.s. I live in central minnesota if that makes a difference.""

How much would auto insurance cost me?

Im 16. The car im going to get is a chevy comaro 40k.? Dont tell me to go to my local car dealer thing to ask.

I want to switch car insurance companies?

My car insurance is up at the end of September. The current company that I'm with has sent me a renewal reminder. They will automatically renew it at the end of the month. (They also sent me a note to say the card I used to pay last time has expired, so I will need to enter a new one). I've found a cheaper quote elsewhere therefore I want to go with a new company. However, despite the fact that all my dealings with the current insurance provider have been online, if you want to cancel your policy, you have to do it by phone. I don't particularly want to call them and get the hard sell (I'm really not very good in that sort of situation). Seeing as the credit card I used to pay for the insurance last time has now expired, shall I just ignore them and go with someone new, or will they then keep chasing me saying I owe them money?""

Cheapest car insurance?

Whats the cheapest car insurance for a teenager? Permit .....

Can insurance rates go up if...?

If you have a provisional license issued and you get a citation for carrying passengers in your car before your 5 months is up, can your insurance rates go up? If so, how much?""

delta health insurance quotes

delta health insurance quotes

https://www.linkedin.com/pulse/pampa-texas-cheap-car-insurance-quotes-zip-79065-cletus-turner/"

[mylovingbouquetearthquakewo-blog]

Cheap, affordable health insurance for a college student?

"Cheap, affordable health insurance for a college student?

Maybe I didn't explain my case clear enough: I only live with one parent who cannot afford to have me under his health insurance. It's not the fact of the matter he doesn't want me under his insurance, he can't afford to have me on there. He receives insurance through medicare/disability. I'm a whole another story.   Don't be a leech? Excuse me? Some people just simply can't afford things like this. I understand who you're trying to refer to. But don't you dare pass judgement on someone you DON'T know.

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

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How much did your car insurance go up after you claimed?

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J-1 Exchange Visitors are required by U.S. Department of State to have health insurance for themselves and any accompanying dependents in J-2 status for the entire time that they are in the United States as exchange visitors. Minimum insurance coverage must provide: Medical benefits of at least $50,000 per person per year or accident Medical evacuation of the Exchange Visitor to his or her home country in the amount of $10,000 Repatriation of remains in the amount of $7,500 Deductible limited to $500 per accident or illness I am looking for a health insurance that meets these requirements and allows to include my family (spouse and 3 kids). I was considering United Healthcare StudentResources but they increased the premium in 40% from 2011/2012 to 2012/2013 (considering the whole family). The IMG (International Medical Group) has the Patriot Exchange Program that meets the J1 requirements and is much cheaper, for example. Could you please tell the community the plan you have, pros and cons, and any other useful information?""

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I heard there was a type of cover that covers any driver that drives the car as long as they had the permission of the main owner, and I was wondering two things about this, 1. does anyone know what it's called/ which insurance companies offer this. & 2. do all the names of drivers that will be driving the car need to be listed? Cheers.""

""I wreck in my parent car, will my parents insurance cover the damage? Please Help?

Ok. Today my parent let me borrow their car so I can drive to school. On my way to school I had a car accident in the freeway. I accidently hit another car. The CHP arrive and got the report . The car I hit suffer minor damages to the rear bumper only got minor straches to it paint. The only problem is that I am not in my parent policy. Will my parents auto insurance cover the damage. Oh My parents car suffer some damage to to front of the car and it's fenders ? Please Help

Need clarification on liability insurance?

I drive my dads car which is in his name and insured in his name. I got a speeding ticket driving a different rental car. The rental car has since been returned. I'm now taking defensive driving and the court requires proof of liability insurance. Do I send them my dads insurance or contact the rental company or what? Please only respond if you're sure of your answer.

Help with finding individual health insurance?

I'm 16 and my parents do not speak English. My sister and I (16 and 18) have Child Health Plus and my mother has insurance through her job. My dad currently has no health insurance because he could no longer afford to pay over $250 a month for insurance. He has diabetes and is having trouble controlling his blood sugar. How do I find an affordable insurance company? They said we can't have family health plus since we make a little over $3,000 a month but half goes to rent. What should I do? What is Healthy NY? Any advice??? thank you""

Uninsured parked car got hit. Am i covered by their insurance? MASSACHUSETTS?

My car has been parked outside of my house due to no insurance. BUT it is still registered... In the state of MA it is illegal to not have insurance, especially on a car that I have a loan on. The accident was a hit and run, but the police found him and got all his information and he said his insurance will take care of it and he is taking full blame. I am wondering since i DO NOT have insurance, will i still be able to receive payment from his insurance company to fix my car?""

""Free medical care-for adults-in Tampa,Florida?

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Car insurance question?

My step dad bought me a car in june '08.He was going through a divorce with my mom and he told me that he would pay my car insurance for the first 6 months. after i got the car he didnt really talk to me much anymore and i didnt see him at all. after 6 months passed in around december i didnt get anything in the mail to my house (he lived at another hosue not wth me anymore) about ym insurance so i assumed he was still paying for it. i had never gotten pulled over or in an accident since i got the car. in february of this yr someone smashed into my cars front hood and the bumper is smashed as well as the girll and headlights, they hit me and then ran so i got no information. when i got into the accident i called the insurance place witch i had no idea which i had i got the info from the papers in my glove compartment and they told me since i got the car in june no insurance had been ever paid. my car was not registered. no basically for 8 months i was driving around an uninsured car. i still havent done nething about it bc im scared idk what is gonna happen. i havent fixed my crash car or drove it . how much money am i gonna ghave to pay to get insurance again. he basically lied to me and he refuses to talk to me about it.""

Health Insurance for expecting baby?

Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!!""

How much approx. to insure 1100cc for 7 days?

Any help on this question will be appreciated. I'm only looking for an approximation as I've no idea what the general insurance rates are for short term car insurance. Insurance would only need be 3rd part fire and theft. Would it cost me 10, 50 a 100 pounds, I've no idea. Again any help appreciated. Thanks.""

How insurance affects life of people?

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Insurance companies that insure cars in the car pound?

Does anyone know of any car insurance companies that insure cars in the car pound? The cheaper the better.

Re. Car insurance?

Anyone work in insurance buisness? I have 2 cars, my mobilty car and a smaller car. I origionally bought it for my wife as she doesnt like driving my mobility car as its too big. I was advised by insurers to keep car in my name, Using my insurance in my name with my wife as a named driver and my 18 year old son who as of yet cannot afford a car as he is attending college and only gets 30 a week EMA if he attends. My wife and I want to give him the car as a joint 18th and christmas present. Now I am stuck if I hand ownership to him and he is pressured into taking out his own policy, my insurance that I have built up over nearly 35 years will possibly be voided and if I need to insure another car in next 3 years after my mobility car is handed back, I may loose my max NCD. Can I legally keep car in my name also my insurance and make him a named main driver, my wife as second and me as third. I have life threatening illnesses and want to give my kids their own cars. cont'd""

""I wrecked my new car , insurance is liability?

i wrecked my car . my car was new 2009 car and my insurance was liabilty. police decided that was my fault. And also i am still paying monthly payment on that car. Does anybody know what should i do next . i been using that car to work now i am unemployee . should i just bankrufcy

Car insurance and reliability?

what would be cheaper on insurance and what vehicle would be a better investment, because I want to keep the next vehicle I get for a LONG time . . . dodge challenger srt8 or a toyota tacoma with a TRD sport package""

Where can I get affordable health insurance in New York State?

I need health insurance hopefully that also includes dental. I make to much for state run plans and don't have enough for private plans they want as much as $1,000 and there is no way I can afford that. But I can't afford not having any either. Can anyone point me in the right direction?""

How do I go about finding people who are interested in getting auto insurance?

I am a sales producer for an auto company who everyone who doesn't live under a rock has heard of. I am wondering how you would want to be approached in a daily setting that would make you think about auto insurance or want to get a quote from me, and what about that quote would be the selling point is price wasn't an issue?""

Cheap, affordable health insurance for a college student?

Maybe I didn't explain my case clear enough: I only live with one parent who cannot afford to have me under his health insurance. It's not the fact of the matter he doesn't want me under his insurance, he can't afford to have me on there. He receives insurance through medicare/disability. I'm a whole another story.   Don't be a leech? Excuse me? Some people just simply can't afford things like this. I understand who you're trying to refer to. But don't you dare pass judgement on someone you DON'T know.

Car insurance uk?

i have car insurance with one car i have full no claims discount,i now am thinking of running another car in my name so i got a quote for this car from my insurance company,.they said as the second car i want to insure i have none no claims discount i have to start again and earn it,.So if i get a quote from a different car insurance company,will these conditions still apply to me.""

Car insurance at 20 on average?

How much would car insurance be for me if i only have my licence for 2 months before i get a car and i am 20 years old?. The car would be minimum a 1.2 litre and maximum a 1.6 litre so what would a 1.2 litre, 1.4 litre and 1.6 litre cost me on average?.""

Do you think this is a good price for auto insurance?

Is $201.12 a month for full coverage from State Farm a good deal? Progressive quoted me for $285 a month and it doesnt even include UM and the liability is at 10/20/25. State farm would cover me 25/50/25, auto death indemnity, UM, and more. I am a 22 year old female and i just got my license in Feb 07, and i live in Miami. This is for a 2003 Honda Civic LX 2dr coupe (paid in full). This is my first car. I was just wondering, if this is a good price compared to other people my age with similar coverage. I know my friend is paying $300 a month for his and hes 24.""

""Driver's license address, insurance address, etc. etc. discrepancies?""

Hi guys. Well, to start out with I have my driver's license address set to my uncle's house in pembroke pines, FL, but I live here in Hialeah Gardens, FL. Why do I have it set to my uncle's house you ask? Well, back when I was 18 (i'm 20 now) my mom persuaded me to set my insurance address (progressive) to my uncle's house so it would be cheaper. It's cheaper by like $100. Now, I'm scared I can be legally held liable or whatever if I get in a crash or whatever the case. I mean, I'm sure there has to be some type of deterrent or punishment so people don't do this kind of stuff like me. Another thing I'm worried about is when cops stop me. Since those two years I have only been stopped three times for minor infractions that did not go punished. Another thing is when I have to apply at jobs. Usually employers don't really care that on the application it says pembroke pines as long as I let them know I actually live close to them in hialeah gardens. I recently applied for my security officer D license and the problem is that in some companies I have to put the address that it says on my license like in any other job but, the problem is that they locate your post depending on were you live. If anyone can shoot me any information it would be more than appreciated, thanks!""

Which insurance is better?

Which insurance is better health or life?

How much would it cost to insure a Vw golf 1.6 - 2.0 litres for a 17 year old ? Thanks :)?

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What would be a good and cheap car insurance here in TX?

What would be a good and cheap car insurance here in TX?

I live in new york city can anybody tell me who has the cheapest car insurance in the city?

I live in new york city can anybody tell me who has the cheapest car insurance in the city?

How do you find the cheapest car insurance?

I'm almost 20 been driving since I was 16. No accidents, no tickets. I've been on my grandparents insurance but now it's time I get my own. How do I go about finding the cheapest car insurance?""

Maternity insurance in ohio?

can someone share some information, i live in Marblehead, Ohio, i am looking for insurance with maternity raider. Or if there any other information about any other way to save some money here in ohio other then buying the insurance. (we are not eligible for medicare and she is not pregnant yet).""

How does one go about getting insurance?

ok I know there is some different insurance types out there like health car etc etc but i want to know how do you go about getting it! see I'm 15 years old I know i shouldn't worry about this now but it just seems like a good idea to ask the question now this one lil question has plenty of other questions with it how many different insurances do you need to have? what should you look for in Insurance? how much is insurance? what is an insurance rate? and the title of this question how does one go about getting it? on that last one I really need a detailed answer because I am 15 I just got back in school so my brain is a bit mushy and not so quick XD and way like I said I'd really like a detailed answer on that last one heck if ya role play it out with your self for me then that would even make it easier so the more questions you answer in this (with a good answer mind you) the more likely I am to choose you as the best answer!

Cancelling Car Insurance?

Is it possible to cancel a car insurance policy within the first month (UK). My friend has written their car off within days of taking out an insurance policy (third party!). Bad luck or what? Can they cancel the car ins or do they have to pay all year?

Which auto insurance is cheapest in new orleans?

Which auto insurance is cheapest in new orleans?

Can we get cheap car insurance in the UK as Australians?

My partner and I are moving to the UK in March and had intended to buy a car. Just an Astra or something for under 1000. However, when I put our details into insurance websites it tells us we will have to pay upwards of 2000 for 3rd party insurance. I realise this is because we have not been residents or have held UK licences but is there any way to get something cheaper? This seriously hinders our plans, we can't afford that amount of money but were really hoping to have a car. Can any one give us any advice? I have put in that we have a UK licence (as we would be prepared to get upon arrival and would have to any way after 12 months) but this does little to change the quotes.""

Whats the cheapest insurance company?

parents wont get me a car cause the insurance is to much. i will be the only driver on the car. any suggestions?

""Auto Insurance, Please Help!?""

What are good coverage amounts for Bodily Injury, Property Damage, Medical Payments, Uninsured Motorist and Under-insured Motorist for auto insurance? I just want to make sure i have enough coverage for my insurance.""

Why do we have to have car insurance in the UK?

Why cant you chose whether you have insurance or not?

What is the toll free phone number for Travelers Insurance?

I am looking for a toll free phone number with Travelers Insurance that is dedicated to new customer quotes not existing customer service.

What does 10-20-10 mean on auto. ins.?

What does 10-20-10 mean on auto. ins.?

I just got notice my insurance premiums jumped so I high I cannot pay them.?

I just got notice at work this morning that my insurance is going from 79.00 every two weeks to 179.00 and with my family which I have on my insurance went from 345.00 to 750.00 every weeks. I cannot afford this! I have no idea what to do. I only make 1700.00 a month. What can I do?

""Accidents, car seats and insurance?""

My son's father had an accident tonight. I realize the car seat now needs replaced. Does insurance pay for this? Do they send a check or reimburse? Do insurance companies balk at paying for new car seats in accidents that weren't 'that bad'? He hit a deer but did not total the car, but had some damage to the fender and was unable to drive the car away from the accident.""

""I'm 17, I want a vauxhall corsa sxi or a fiat 500 abrath, how much will each of these cost on insurance?""

I'm 17, I want a vauxhall corsa sxi or a fiat 500 abrath, how much will each of these cost on insurance?""

Classic car insurance for 17 year olds?

currently looking for cheap car insurance for escort xr3i. Because of my age this is almost impossible but I was wondering if it is posible to be a named driver for classic car insurance on a parents policy. most classic insurers say drivers must be over 25. is there anywhere I could do this ?

In BC should the owner pay the insurance for the renter?

i rent a appartment and then the owner said i should pay the insurance i thought it is owner's responsibility to pay all these

""Where can a 17 year old teenager find the cheapest, most affordable car insurance in North Carolina?""

I'm 17 years old. I have a 1995 Toyota Camry and I'm currently looking for affordable car insurance since my parents told me that I'm responsible for finding/paying my car insurance. I am a senior in high school and work part time, making around $160-$280 every paycheck (EVERY TWO WEEKS). I really need help!!!!! Thanks for listening!""

Cheap, affordable health insurance for a college student?

Maybe I didn't explain my case clear enough: I only live with one parent who cannot afford to have me under his health insurance. It's not the fact of the matter he doesn't want me under his insurance, he can't afford to have me on there. He receives insurance through medicare/disability. I'm a whole another story.   Don't be a leech? Excuse me? Some people just simply can't afford things like this. I understand who you're trying to refer to. But don't you dare pass judgement on someone you DON'T know.

Could someone explain health insurance deductibles?

What is a deductible? Is it a good thing or a bad thing? Do you want a low deductible or a high deductible? I ask because while trying to find some affordable health insurance, one company said it was $45 a month with $0 deductible. What does this mean?""

Who has best affordable health insurance?

Looking for health and dental insurance for 1 + spouse in Texas.

Can AAA raise my Homeowners insurance rate by $300 for the next 3 years?

My property was stolen from the backseat of my car. AAA is saying if they pay out more than $750 (including my co-pay) then my Homeowners insurance will be raised by $300 for the next 3 years and it will be a point on my property. Is this right/legal??

Flipping Cars - Insurance?

A few friends and I are looking into flipping cars while we're in college to make a little extra money. I'm not sure where to turn as far as insurance goes. We're not driving the vehicles ourselves - just parking them until they sell. What kind of coverage would we need and where can we find the best rates for our situation? We would only drive it from the auction house and with potential buyers on test drives. Thanks for the help!

Why is there a huge difference in insurance quotes if all info is the same?

I'm shopping around for insurance quotes because I thought my car insurance was too high. Progressive gave me a very low quote, which I was happy about. It was what I thought I should be paying compared to friends I've talked with. All the other quotes from the other insurance companies were in the same price range and very high. I began to worry that Progressive had some incorrect info, so I called them back, we went over all the info again, and everything is right. They even emailed my quote to me and it's all correct. Should I be worried that the quote is so low or is Progressive just being competetive?""

All young adults pay attention...what's the cheapest yet best car insurance you have found?

I'm 19, dad wants me to buy my own car get my own insurance etc. Any pointers?""

Will someone elses tickets effect MY car insurance?

recently my friend got two tickets in my car. We went through a police stop and he wasn't wearing a seatbelt in the frontseat of my car while i was driving and got a $37 ticket. I also let him drive my car because it was past my driving curfew since i'm under 18 and it was 2am. He got us pulled over for speeding and got a $294 ticket. no one else can drive my car on my insurance plan so what does that mean for me?

What is voluntary access on car insurance?

i saw it on the go compare web site but i dont know what it is as im a 1st time driver

What car insurance company is offering me a better deal?

I'm 21 years old, and I'm thinking of upgrading my 2005 Chevy cavalier to full coverage. United auto insurance wants $186 down and $147 monthly for 6 months. My current company wants $262 down and $131 a month, for 9 months. Which company is the better deal? Should I even get full coverage for a 2005 cavalier?""

Whats the insurance of a maserati granturismo?

i wanna buy a maserati granturismo, what would the insurance be ?""

""Alaska is the worst state for women, does anyone care what the worst state for men is?""

http://shine.yahoo.com/healthy-living/is-alaska-the-worst-state-in-the-nation-for-women--202627073.html As for crime and imprisonment, the number of women going to prison in Alaska is growing: In 2007, women made up 6.5 percent of Alaskas prison population, but that number had jumped to nearly 11 percent in 2011. Alaskan women are slightly more likely to have health coverage than Alaskan men, but the coverage for Alaskan women is still below the national average, with 21 percent going without (compared to the national rate of 20). -So that means the male prison population in 2007 was at 94.5% and it went down to 89% in 2011. We can't have that! All we care about is the female prison population growing and how we have to stop it. We need more males in prison to get us back to 94.5 percent. And while more Alaskan women have health insurance than Alaskan men, they're just below the national average with 21% of women going without insurance. Who cares that more Alaskan women have health insurance than Alaskan men? We're only concerned about women here, and we have to lower the number of women who go without health insurance. forget about the men. And women in Alaska, make only 67 cents for every dollar a man makes. -Not too surprising since Alaska is mostly an industrial state with lots of mining, logging, fishing and other male dominated industrial jobs that women typically shy away from. As far as homelessness is concerned, only 25 percent of single people in shelters were female in 2012but, for adults in shelters considered part of a family, 62 percent were women with children. -Who cares that 75% of single people in shelter were men in 2012! The suicide rate among Alaskan women is rising. -I'm sure the suicide rate among Alaskan men is even higher, but again we don't care about the men. So why the raw deal for women in this state? It may have something to do with the ratio of men to women there, which was noted in the state report as being higher in Alaska than in any other state, with 108.5 males to every 100 females. Nationally, there are 96.7 men to every 100 women. -So because there are more men than women in Alaska, that's why women are suffering!?!""

What kind of car insurance do I need if I want to be the main driver of my parent's car away from home?

My parents own a car that they're letting me use for school. I live in southern California, but I attend school in Northern California. I'll be bringing the car up for normal use during the school year, and it will be garaged there except during summer. Do I need to buy my own car insurance, or will it work out if I just get added to my parent's insurance?""

Got myself a little old ford fiesta 1100 i am over 25 learner driver which is the cheapest insurance firm.?

Got myself a little old ford fiesta 1100 i am over 25 learner driver which is the cheapest insurance firm.?

Collision claim - will your insurance go up?

I hit a pole the other day with the side of my truck. There were no other cars involved and there are just a few scratches and one big dent. If my insurance company (Allstate) pays to fix it under my collision coverage will my rates go up? I know I have to pay the deductable - just wondering if my monthly payments will be higher.

Car insurance spouse dui?

how can i get affordable car insurance after my spouse has DUI ? What if he choses to never get a license again? Do I have to kick him out so I can afford car insurance? I have a great driving record. HELP !!!!!!

Dented vehicle? How much more is no deductible auto insurance?

some time ago I dented my car as a result of backing into a pole and I have never gotten it fixed because I cant afford the deductible and I have been with the same insurance company since that time so is it ok to just change to a no deductible insurance policy and than maybe report it and have it fixed-I'm not trying to be dishonest-Im sure I would be just paying the difference for having no deductable monthly. Also, is there even a time limit to report an accident? I dont even know the exact date, but I was with the same insurance company""

Sites of the insurance quotes reliable?

http://www.education-house.com/insurance/index.html

Temporary car insurance for foreign visitor?

A friend from Europe is visiting me for 2 weeks, and I'd like to lend him my car for some of the time. Obviously he is not covered through my insurance policy and I don't want to add him to it. Can he purchase coverage for himself just for this limited time? If so, where?""

How much would the car insurance for a Cadillac Escalade 2011 be?

The car is for an 18 year old and two other adults are included in the insurance plan for State Farm.

Good morning! Can anyone suggest a good dental insurance plan?

We had blue cross and blue shield and were not happy with it! We live in a semi small area and the only dentist office that accepted our plan never called us back after 15 voice mails and NEVEr answered their phones so we never were able to make an appointment! So I cancelled the policy. We need some dental insurance. I need to take my son in to get his teeth looked at and my husbands. We live in FL and there just doesn't seem to be a lot that I'm finding. Anyone have a suggestion?

How do i apply for medical insurance?

I live in santa ana orange county california. im 21 work part time and independent. what will i need?

How much will my insurance give for my totaled car?

I was in a minor accident (Alone) now my insurance wants to total my car due to a previous accident that wasn't repaired correctly that happened before I purchased the car. How will my insurance decide to pay me? Bought for 8500 and owe 6500.

""Cheap sports car, and to insure and run ?""

does anyone know a sports car in the uk thats cheap, maximum 1000 pounds, cheap to insure and fuel consumption is good ? thanks""

Best Insurance Price I Could Get?

I'm looking at buying my first own car in the next few months/year. I'm currently 17 but will be 18 soon, straight-A student, looking at a 1999 Toyota 4Runner Limited 4WD. Progressive quoted me $147, which seems ludicrous to me (they'll have the value of my car in less than four years!), but I know I'm young - and young drivers get in a lot of wrecks. I'd just like to know what you all think is the best affordable insurance company that still offers pretty good coverage, and if there's anything I can do to further lower my price besides good student and safe driver discounts.""

Cheap V8 cars to insure?

i need a V8 powered car, must have at least 200 horsepower for college. the speed limit is 30 mph and everyone goes 50-60 mph and there are no cops ever catching speeders and people ...show more""

Cheap, affordable health insurance for a college student?

Maybe I didn't explain my case clear enough: I only live with one parent who cannot afford to have me under his health insurance. It's not the fact of the matter he doesn't want me under his insurance, he can't afford to have me on there. He receives insurance through medicare/disability. I'm a whole another story.   Don't be a leech? Excuse me? Some people just simply can't afford things like this. I understand who you're trying to refer to. But don't you dare pass judgement on someone you DON'T know.

I am a resident of California and a permit driver. Do i need to be insured or my parents' insurance will cover

me? will their insurance cover me in case of an accident or not? simply, while a permit bearer, do i still need to have an insurance?""

What would be the best choice for health and dental insurance?

I' am 22 year old college student in california and don't have insurance. i was wondering if anyone can help me with choosing a provider. i don't really know how health insurance works. but i would like to get something decent thats not to expensive or to cheap, i do want good coverage just in case. thank you""

Which motorcycle will cost me less on insurance? 2004-5 600/1000cc crotch rocket motorcylce or 2008 Ninja 250R

No motorcycle experience at all. No driving record. 21/M/Florida. Never held a driver's/motorcycle license in the US. Am about to take the MSF course though.

Does speeding tickets raise your insurance?

I've gotten 2 speeding tickets this month so I'm worried. Does this raise your insurance rates?

Is it true that red cars cost more to insure?

I live in Oregon if that makes a difference.

What will happen if I don't sign up for covered california health insurance?

I live in ca, I don't have healthcare and I am eligible for covered ca health insurance. What will happen if I don't sign up for it? Do I have too? Will I get in trouble if I don't?""

Finding the cheapest Medicare Supplemental Insurance?

I'm looking for a good resource to find Medicare Supplemental Insurance, including quotes. Can anyone help?""

What is the cheapest liability car insurance in the US?

What is the cheapest liability car insurance in the US?

My Insurance auto accident settlement?

I was recently in a car accident where a Nissan truck ran into the back of another car that then ran into the back of me causing $2000 worth of damage to the rear of my infiniti. I received moderate whiplash to my neck and had to be taken to the hospital. I checked out without any broken bones and was prescribed medication. I went to see a chiropractor and he has been working on my neck for a couple days which makes it feel a better. Im 100% not at fault and the insurance company has taken care of my car repair, rental, and medical bills. They ask me How much do I think I want for this accident for pain and suffering. I believe I am entitled to at least $3500-5000 for my suffering I live in NC. I believe $5000 is a reasonable consider the circumstances. I could have lost my life, broke my neck and been paralyzed for life. Thank the lord that I received only a whiplash. The stress that I am undergoing, the constant pain in my neck is a reminder of the accident, which I feel fearful of driving. The time I spent recovering could have been spent enjoying my life. Besides getting behind in my school work, I am absent from my student organization at school which I am a key figure ( president AGC). I don't enjoy waking up with cramps and headaches nor do I like to take prescription pills, and therapy. I don't want to be compensation a insufficient amount that wont even cover pain and suffering I went though. It seems like you people are on the side of the insurance company and not the victims in this situation. I wonder if any of you have ever been in an automobile accident and if you have must share some sort of empathy of what I am reiterating.""

How much would it cost to insure an automatic Ford Fiesta Zetec for 17 year old new driver?

Want to buy this car when i pass and want to get an idea of how much the insurance would cost in England? Thanksss :)

Very Cheap Car Insurance?

Hello, I need the cheapest insurance.I am from NY, please help.""

How much is insurance on 2003 lexus IS300?

wondering how much i might be paying a month if im getting a more expensive car..?

Classic car insurance for 17 year olds?

currently looking for cheap car insurance for escort xr3i. Because of my age this is almost impossible but I was wondering if it is posible to be a named driver for classic car insurance on a parents policy. most classic insurers say drivers must be over 25. is there anywhere I could do this ?

If you drive with no license or insurance are you automatically at fault?

A friend of my got into a car accident, his car was totaled and at the time he had a suspended licenese and no car insurance. Although the police report shows that he was not at fault the insurance company of the other party is now persuing him for $14,000 in damages. Unfortunatly he is having economic hardships and cannot make the payment they are requesting. They are clearly making threats to suspend his license if he doesnt pay $250 a month. Because he had no insurance or license is he automatically at fault? Is there anything he can do? Does anyone have any info on a good lawyer? Any Information would be helpful. Thank you :-)""

Are car insurance rates adjusted by occupation now?

I just got done reading this article on car insurance and occupation at http://www.consumerbadcreditguide.com/carinsurance.html What do you think about this?

""Has anyone ever heard of the following insurance companies: Safe Co., Travelers, and Hartford?

Are they good/reputable companies?

Is medical payments coverage needed in auto insurance?

How important is medical payments coverage auto insurance coverage. I currently have at as $10,000 coverage. Is this over kill? I have health insurance (HSA) that has a $5000 deductible per year, after that it's covered 100%. thx""

Life insurance through disability until age of 65. Now they say there is no policy for me.?

In 2003, I received an award letter of life insurance until the age of 65. I called the company recently to see about it and they said another company had taken over-I called them and they said I was not in the system and said to call a 3rd company which may have taken over my policy. I called them and they said, No-I have no life insurance policy. Where and who can I get in touch with regarding the policy I was awarded and it seems to have disappeared.""

Do insurance company has a right to insure people even though costumer does not finalized the paper work?

We had shopped around for home insurance, we made a quote and compared the best company, and we purchase the policy to one of them. After a year, we received a call from collection agency saying that we owe some money for one of the insurance company that we did not chose. And when I called that company, they said that if I can show them, if I am insured and covered that particular period, then they will remove that bills. I think this is ridiculous, why such a company like this have a right to insure me, bill me and send that bill to collector? Without even notifying me first.""

""Insurance for a 16 year old male, owning my own car, please help(ontario)?""

Im 16, male, in ontario, single, no other drivers in my family. I plan to own my own car, i know alot of you will say; depends on model or year of the car idk the answer to that because i dont have the car yet... but i do know it will be between the years 2001 and 2004 roughly, it will probably end up being a chevy, toyota, honda (just the average company) can anyone please give me a rough estimate what i will have to pay either per year or month doesnt matter thanks :)""

I live in Massachusetts where auto insurance can't compete my question is....?

What is the benefits of competing rates? Well duh, you say because you may get cheaper rates somewhere else but I need proof. Right now I have a '95 Ford Escort, I have basic insurance, I'm a step 12, and I pay about $140 a month...what is better than that? Please name the state you live in.""

How much would car insurance be monthly?

i turned 16 yesterday and will be getting my license and car in october. im applying for jobs tomorrow and im trying to see how much car insurance will be monthly. my car will be used, probably like a toyota corolla or something similar. i get a's and b's, what should i expect my car insurance to be monthly?""

How much would it cost to insure my motorcycle?

I plan on buying a Suzuki dr-z400s and I'd like to know what some people are paying for their insurance. Or maybe just what I would be paying. I'm 16 years old, Male, and I have a clean record. I'm not sure what kind of insurance I would get but probably just liability. Thanks!""

Low cost health care for an adult in California?

Could you tell me what kind of resources are available for a single male who makes $1,800 a month and needs affordable low cost health care coverage in California? What does the state offer if anything?""

Car Insurance question?

I am 16 and in need of car insurance. I have a A-B average, and have a clean criminial and driving record. I am driving a 1993 saturn SL (4 door sedan) what would be the best insurance agency to go with? Thanks""

Cheap, affordable health insurance for a college student?

Maybe I didn't explain my case clear enough: I only live with one parent who cannot afford to have me under his health insurance. It's not the fact of the matter he doesn't want me under his insurance, he can't afford to have me on there. He receives insurance through medicare/disability. I'm a whole another story.   Don't be a leech? Excuse me? Some people just simply can't afford things like this. I understand who you're trying to refer to. But don't you dare pass judgement on someone you DON'T know.

https://www.linkedin.com/pulse/mountain-lake-minnesota-cheap-car-insurance-quotes-zip-eva-king/"

[ronaldmrashid]

The Best Way To Profit From Snapchat’s IPO

Snap Inc. finally went public at $17 and is now worth around $31 billion after a meteoric 45% rise in its first day of trading. With ~1,900 employees almost liquid, funny money capital will inevitably rain down on the Southern California ecosystem!

What’s even more exciting is that Snap Inc. was able to sell stock to the public at a trailing 55X revenue multiple with no profits compared to a 14.5X multiple for Facebook and a 4.5X revenue multiple for Twitter today. In other words, investors either really believe in the growth projections for Snap Inc., and/or the scarcity of big internet/tech deals is forcing investors to pay a premium.

Since most of us do not work at Snap Inc., don’t have spouses who work at Snap Inc., nor were we investors in Snap Inc., we won’t benefit directly from their IPO. However, most of us are logical thinkers who can make observations of how to benefit when the 150-day lock-up period is over and capital is recycled into the community.

The most obvious beneficiary of IPO riches is real estate. We’ve all learned firsthand or from story books how paper multi-millionaires lost everything during the 2000 dotcom crash because they couldn’t sell quickly enough or they didn’t buy hard assets. At least once a week while I was working, the guy who made me a breakfast croissant reminded me how he was once worth $3 million.

Staying wealthy for longer is all about turning funny money into real assets. Money will also flow into cars, fine art, entertainment, and other luxury goods as well. But real estate is where the common person can expect to benefit the most. 

Real Estate Beneficiaries Of Snap IPO

Besides Venice Beach being the biggest beneficiary of the IPO given that’s where Snap Inc. is headquartered, Marina Del Ray, Manhattan Beach, Hermosa Beach, Redondo Beach, Pacific Palisades, Santa Monica, and Mar Vista should all benefit as well. Once these markets get sufficiently tight, the benefits continue to fan out across the city.

Folks who hold real estate in these areas should stay put and watch their net worth grow so long as there is no great economic crash. Folks who are waiting to buy should start aggressively hunting for their perfect property in the fringes now before the lock-up period expires in Q3 2017.

If you can find a good deal that cash flows positively after a 20% downpayment, and you plan to own the property for the next 10+ years, then you’re probably going to do OK despite the large property price rally since ~2012. Google and Facebook have moved in, turning industrial lots into campuses in nearby Playa del Rey.

What’s very interesting is that according to Zillow, Venice Beach property is only expected to go up by 0.7% over the next 12 months due to plenty of inventory and a 95% surge in the median home price since 2012 ($815K to $1.585M). In other words, the market is COLD in part because many of the locals have already bought up Venice Beach property in anticipation of a Snap Inc. IPO and a recovering economy. However, the Zillow forecast is before the real-time explosion in value we see in Snap Inc’s shares today, and perhaps now there’s an opportunity to “snap up” properties at a discount before prices march higher again.

Zillow forecasts a slow market for Venice Beach. Opportunity?

For investors who don’t live in Los Angeles, the next best way to profit is to scan for real estate crowdfunding deals in the LA area. I’m still bullish on the heartland, but the Snap IPO could very well be the catalyst for another frenzy in coastal real estate markets.

Due to the strength of the Snap IPO, I’m pretty sure my thesis of buying SF Bay Area real estate during the winter of 2017/2018 ahead of the Airbnb and Uber IPOs will become mainstream now. For SF buyers, we’re experiencing a perfect moment where prices on the high end and in the condo market have softened about 5% – 10% since early 2016 due to a large influx of new condo supply. Weakness will probably last until mid-2018, giving us more time to save up, until either one goes public.

Airbnb generated about $1.7B in revenue in 2016 and is expected to grow revenue to $2.8B for 2017. Airbnb is currently raising a new round of funding based on a ~$30-33B valuation. In other words, its revenue multiple is only 10 – 11X compared to Snap’s 55X revenue multiple. Given a rising tide lifts all boats, I’m sure Airbnb’s valuation just ticked up at least 10%. If you assign Snap’s 55X revenue multiple to Airbnb’s 2016 revenue, Airbnb would be valued at a whopping $93.5B! Not gonna happen due to different growth metrics, but it’s fun to extrapolate.

SF Bay Area prices surged post-FB’s IPO.

Meanwhile, Uber is even larger, with $5.5B in revenue in 2016 and perhaps $7B+ revenue for 2017. Uber is currently valued at roughly $60 – $66B, or ~10 – 12X trailing revenue. Snap’s IPO probably neutralized all of Uber’s recent negative press with regards to valuations. For fun, if we apply Snap’s 55X revenue multiple to Uber’s revenue, you get a market capitalization of $385B, equal to another Facebook.

Bay Area property went ballistic after the Google and Facebook IPOs, but so has most coastal city property since 2012 due to a recovering economy. Southern California property will likely continue to stay strong post-Snap’s IPO. With ~10,000 new millionaires looking for a home after Airbnb and Uber’s IPO, the Bay Area will likely reignite since less than 1% of the housing stock trades at any given moment. The key is to buy ahead of the liquidity events because although the market discounts in advance, it never fully discounts the true value until the event actually happens. For example, even after a proposed company buyout, there is still a spread between the offer price and the trading price.

For those of you who don’t live in LA or SF, that’s OK. Real estate crowdfunding can at least help you get closer to the frenzy. Just looking at RealtyShare’s platform, here are a couple deals in San Francisco and Los Angeles.

San Francisco Example

RealtyShares San Francisco Investment Example

Talk about depressing photography for its featured image! This property is located in Cole Valley, a desirable neighborhood within walking distance to the UCSF campus and a 15-minute subway ride to downtown. I’m surprised by the low $5K minimum and short 12-month term paying a healthy 10.5% interest. But perhaps by the time they’re done rehabbing the place, it’ll be just in time to benefit from a big IPO.

This is a typical two-unit San Francisco property I wanted to buy back in 2003 for under a million bucks. The idea was to live in one unit and rent out the other for five years until I saved up enough money. Then I’d rent out both units, buy a larger two unit building, live in one unit, and repeat until amassing at least six rental units generating $250,000 in gross rent while retiring by age 40 in Hawaii! Oh well. My current life will have to do.

A 14-minute commute from 333 Parnassus Ave to RealtyShares office. Not bad.

I’m intimately familiar with this neighborhood because I live close by and just checked out an amazing rehab several streets down last weekend that is currently pending (picture below). The developer basically did what the current sponsor for the Parnassus property wants to do, and that’s buy a two-unit building, rehab it and sell each unit for a profit.

Check out the comp below. $2,095,000 is for the top unit with a cottage in the rear. The bottom unit is asking $1.79M. Given the unit went into contract after two weeks on the market, it’ll likely sell for more than asking. Once this post is published, I’m off to spend two hours this Sunday looking for more clues as to what’s going on with the property market!

Comp to 333 Parnassus. So much nicer photography.

Los Angeles Example

RealtyShares LA Investment Example

Here’s another short-duration investment of 12 months with an 11% annual interest and a higher $15,000 minimum. Unfortunately, 3124 Rowena Avenue is about a 35-minute drive away from fabulous Venice Beach.

I highly doubt a Snapchat millionaire is going to want to live in this place. But perhaps a forward-thinking Snapchat millionaire might be looking for multi-family rental properties in LA that generate 10%+ annual gross rents to ensure her fortune lasts longer than a fashion trend.

For 13 years, I invested ~80% of every annual bonus into real estate to diversify away from a highly cyclical industry whose profitability was always under attack. I knew from month one that I wouldn’t last much more than 10 years in the business. By the time I couldn’t take working anymore, I found comfort knowing my real estate investments would help keep me afloat due to rental income and appreciation.

3124 Rowena is a 33-minute drive to fabulous Venice Beach… if you’re lucky

Look In Your Own Backyard

Let’s say you have no interest trying to gain exposure to boomtowns through real estate crowdfunding. You might just have a real estate investment opportunity right where you are.

I’d like everybody to do some research on whether there are any impending IPOs from private companies in your city. If there are, please share so we can all profit! You may likely see the same positive effects on your local real estate market as we’ve seen here in SF and LA.

In summary, the success of Snap Inc should:

Embolden more private companies, especially in tech/internet to go public

Raise current valuations of private companies in the same category

Increase investor demand for private companies similar in size and type

Increase the number of people investing in private equity who normally would not

Increase hiring by private companies who now have more funding

Create a larger startup and investor ecosystem in Southern California

Create FOMO in other cities who wonder why can’t they also start their own ecosystem

Embolden more individuals to become entrepreneurs

Create international copycats

Increase the rents and property prices of surrounding areas

Finally, some of you may be wondering whether I’m willing to buy SNAP at a 55X+ revenue multiple? Hell no! And you better believe every single investor and employee is looking to cash out as much of their pre-IPO shares as possible without sounding alarm bells to latecomers.

I want to see at least a quarter of public performance before making any investment decision. Snap Inc. may become the next Facebook or it may become the next Twitter. Who knows. What I do know is that Snap Inc. has $3.4B more on its balance sheet to spend on growth. I’d much rather try and earn a 10% return selling picks and shovels rather than mining for gold.

Related: Why Is US Property So Cheap Compared To The Rest Of The World?

Readers, what are some other ways to profit from the Snap Inc. IPO? Anybody from Venice Beach or the surrounding area want to provide some local color? Where do you think SNAP stock goes from here? Please point out any flaws in my investment thesis and challenge me! I want to thank a personal finance consulting client of mine who inspired me to write this post because he actually lives in Venice Beach and asked about my thoughts on this subject again. 

from http://www.financialsamurai.com/the-best-way-to-profit-from-snapchats-ipo/