#except i can afford to make the mistakes and i can make the adult purchases and plan vacations and trips and buy clothes etc so it is like
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exhibiting never before seen signs of self actualization/mental illness
#dancing around the apartment with the same emo ass screamy song on repeat for the 20th time and randomly#cutting various t-shirts into crop tops as i see fit#it IS 4 am and i am swinging my hair around like it is midday which is so dangeous for my sleep schedule but#in my defense an evening coffee happened#anyways why did i wait this long to move out lol i love it here#also i think an interesting thing has happened to my brain and i am finally O.K with not having plans on a friday night#comforted by the fact that i have an extremely busy saturday night so i am just allowed to like#chill with myself tonight#and after the week i have had BY GOD do i deserve it#and i dont feel 'lame' and i'm not constantly checking in on other people to see what they are doing like#im genuinely just vibing#extremely new feeling for the girl who always has to be Somewhere#i think i no longer feel like i am making up for lost time#tbh trutfhully i am in my ''disaster undergrad'' era at 25 but with like.#money.#in an unfurnished apartment sleeping on the floor with the rattiest and shaggiest haircut i have ever sported in my life and#eating my breakfast cereal out of a mug with a plastic spoon bc i dont own much dishware#and going to bed at 4 am when i have work at 8 am and somenow manageing to get it all done#cooking my own meals messily and making mistakes#except i can afford to make the mistakes and i can make the adult purchases and plan vacations and trips and buy clothes etc so it is like#the best of both worlds in a way#i feel like i worked really hard to be in the exact space that i am in now and i know a lot of it was sheer luck#of being in the right place at the right time to know the right people to get jobs and stuff#and a SHIT ton of prayer and reflection and introspection and indecision#but things are looking the way i want them to now!!!#veeeeery slowly#anyways on an unrelated note does someone want to help me pick a bedframe <3
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~
I'm back again. As is the mechanism behind when I post to tumblr...
I've been on this site, what? 16 years? Maybe more like 14? I'm not sure...
But...
I'm 30 now. And very much one of those adults who keeps making the same mistakes over and over.
I'm too generous... with my time, my money, my patience, my life....
Sure, nowadays I no longer cook. I no longer bake. I no longer obsessively organize or dust or push myself to try in matters of everyday "chores." I barely make it to work anymore... I thought it was hard then... and yet now it's ever harder despite being easier than some back then. I no longer gift and gift and gift either.
I haven't dropped the urge and desire to gift entirely. It still lives within me... but I don't indulge it as often as I'd like... and I was even so, so close to finally making purchases that would exclusively be for ME... so close to childhood dreams and a practical, adult purchase...
I was going to get myself a bed. Not just a mattress on the floor as it's been for so long... and a pool. Finally, blessedly, a pool for those hot summer days and my deep-seated desire to be near water as often as I can.... and, once again, to absolutely no one's surprise... it's been shattered.
How many times have I come here to say just that? How many dreams have I lamented losing here... because of the family I was supposed to be able to trust?
Once would have... SHOULD have been enough.
But... I'm all they had/have.
I know how toxic these relationships are. I got away from what I considered to be the worst of them, because at least my siblings pay their bills alongside me... and yet... not for the first time... I'm somehow the person with more money than those who make more than double what I do every month.
"HOW?!" My mind screams... and yet... I know the answer.
Sure, you could argue that because they buy groceries, they can't save as much... but I buy my own stuff. Have been more and more. Trying to take the "pressure" off. And still they end up with less and less... and less.
No savings. Nothing to show for it. And COMPLAINTS of things they "can't afford".... wishful, sad eyes and voices that turn into disgust and excuses if I mention saving for these things or confusion as to why they can't afford them on their salaries.
I'm fucking exhausted. I feel like I'm crazy. I feel like I don't deserve to feel hurt or scared or worried because they're not.. they don't/can't care.
...
I need to pay for a procedure. That alone dashed some of my hope for the two big things I've been wanting... but maybe I could get by with another "pay monthly" purchase... except... I was promised they would save. Promised they'd also have funds alongside mine for any emergency we may encounter.
And they didn't. Spent it all and more and more and more.
And, again... I'm the one that cares. I'm the one that suffers.
Any emergency, my funds are completely drained once more.
That procedure I need? ... because I need to save in case of another stupid emergency... I think I have to let it go.
Months of being careful. Months of trusting/thinking I'm not alone. Months of HOPE.
Gone.
Again.
....
I'm not going to ask for help. Not this time.
I can't. Not again. Not when the only people to step up in the past have barely anything themselves.
I can't put myself out there... beg, plead, embarrass myself only to get $150, if that, through all avenues I try. Some of those very funds having been gifts to others before these emergencies in the first place... how terribly embarrassing to look like one never had that money to spare in the first place.
I can't accept any of it in good conscious either.. not after the $800 sent to us for the car emergency was then all spent at Gamestop and on Dead by Daylight.
That... that broke me... after being broken by being told just how worthless I apparently was in having put myself out there so we could move, and doing the bulk of the physical work myself... because according to my big sibling... I contributed nothing at all...
I told the gifter the truth about where the $800 of their money went. I embarrassed myself there because I couldn't live with the guilt of knowing, even if he never (and didn't) asked... how humiliating, even if the spending wasn't my choice or even in my hands.... I asked for that help/coaxed my sibling to ask for and accept it alongside me... not knowing we never "needed" it in the first place (obviously).
And now... I'm broken twice over egregious spending on mobile apps... thousands of dollars... supposed to stop in December when I found it and it gutted me the first time... and now... finding it never stopped...
...
I'm no longer accepting myself as the blame. No longer accepting that maybe, just maybe *I* am the insane/messed up party AND cause of the insane amounts of stress and pressure they're under.
I'm not. I never was.
I was only ever the damn scapegoat.
Idk why this has been my role or why I've accepted it... I just want to help and be accepted, as strange as I admit to be... and it turned into my suffering every. Damn. Time. As if, somehow, I deserved it.
I suppose I did.. deserve it. Because I didn't walk away. Kept wanting to help.
I deserved better. People I could genuinely trust. And I made the mistake over and over again TO trust them.. because I'm all they've got... by their own choices.
I'm not going to ask for help. Not this time. Not like before. I'm sick of those with the means ignoring myself and people like me who do their damnedest to take care and be good people and are the pillar holding everything up... because they think we deserve our pain and suffering.
I'm just that kind of face and person. I sound like the crazy I personally am terrified to be.. like the kind of crazy that I'm actually surrounded with... and made to be the face of because mine is the ugly one of the bunch. And I've quietly saved their asses behind the scenes time and time again when I should have let them drag us all down... I was too scared to fail myself when I should have let it happen.
Hindsight.
I've been tested for all the things many times... convinced I was the problem.. ready to try anything and everything, even pills that almost killed me (allergy or bad match, take your pick, I've experienced it). when in reality... I've just been the scapegoat doormat. Caring too much. Especially about my own pain they were causing I could avoid and patch by being kind as I have been.
I think I'm not going to get the procedure.
It's not life threatening, yet... and it may never be life threatening... even if it costs me what the $10,000 of the previous procedure was supposed to permanently fix. I can always start paying back the $2,000 I'm still in debt from that instead of trying for another $1,000 one.
I think it's time to set aside my dreams. I think it's time to set aside my hopes. I think it's time to set aside my discomfort, bite down, and just bear whatever life is for me now. The life I inadvertently made my own living hell.
They're not going to stop. They're not going to learn... maybe not even if we all fall because of their decisions.
Maybe not even if it kills me. (But that's probably just me being dramatic. Who in their right or sound mind believes they're going to die before 50? 36, even, at this rate? I've survived this long, how could I possibly feel like it's getting worse and will kill me sooner rather than later when I've been so lucky all this time? Yeah.. probablydramatic. But it is a belief I do hold based on how sick I've been my whole life/the statisticsi fall into)
..
I was talking with friends yesterday about a bit of this stuff and they inadvertently put stuff in perspective for me.
I don't think my siblings are ever going to change. And it's pretty well my fault for enabling that on accident... because I cared about them failing and/or abandoning me because I didn't help when I could have...
Ha... I didn't do that.. abandon them.. when they didn't help me when they could have.
Ironic, is it not?
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Plus One
Steve Harrington has had an eventful life. He's slain monsters, saved the princess, and earned his dignity back. But that was in the past.
It's seven years later, 1994, and he's still finding himself. His friends have been up to other things though, getting married and inviting him to those weddings.
It's the last thing he wants to do, but his roommate decides to make him go through all four weddings in hopes of finding someone.
And so it begins.
(chapter one)
It’s been seven years since the gang has had any incident or warnings or dreams about monsters. Things have died down in Hawkins. So much so that it’s starting to feel normal again, or whatever normal is for everyone else.
Steve feels like an outsider, though. Everyone he knows is getting married. Nancy and Jonathan, Robin and Kali, Hopper and Joyce, hell even Tommy and Carol tied the knot in Vegas. All of these, weddings he’s been invited to. Except for the latter, they sent him a postcard with a phallic drawing in the back.
He was used to moping, even if Robin had threatened to make him listen to disco to cheer him up. You thought it was funny though, it showed he had some emotion after all.
It’s not that he couldn’t continue his womanizing streak. It’s just that after feeling that connection with Nancy, he didn’t want to see different people in the morning. He wanted the one.
It didn’t help that his parents would call all the time now. Asking him things like if he’d found a girlfriend yet, or a steady job, or be constantly reminded that the clock was ticking. He was painfully aware.
He’d just come back from his stint as a bartender in some dingy club in lower Manhattan to the somewhat comfortable apartment he shared with you and Robin. Well, that is, until Robin decided to move in with Kali. Robin had taking a liking to you, you weren’t as girly and deluded as the other applicants they were going through and you certainly weren’t as bothersome.
Envelopes and bills spilled on the black mat you’d picked out, warding off visitors or unwanted guests with a foul word written on it. He gathered them, going through them as he opened the door. Nothing but bills and subscriptions.
What a joy to be an adult.
He let the things fall onto the taped up coffee table on its last legs and collapsed onto the faded green couch.
He heard the pitter-patter of your feet running into the living room. “Oh honey, you’re home.”
He snorted. “Haha, funny.”
“What? No ‘Hey how’s your day?’ or ‘Good Morning’?”
“Good Morning.” He mumbled face down.
You smirk, settling onto the arm of the couch. “How bad was it?”
“Oh god, so bad.” He lifts his head up, eyes rolling for dramatic effect.
“I’ve never had to clean vomit before in my life and now I feel so bad for what you have to go through.”
“Ugh, ok there’s a difference between cleaning up after drunk assholes and poorly malnutrition-ed dogs.”
He groans, stuffing his face back down. “My back is killing me.”
“Oh, I’m sorry Grandpa, do you want me to rub your back or maybe your feet?”
His head lifts up again to narrow his eyes at you. “You’re only four years younger than me, this is your future! But also, yes please.”
You roll your eyes in amusement. “I’m never going to be like this at your age.”
He chortles. “Oh yeah?”
“Mhmm. Unlike you, I have a life. I’m active!”
“I’m not sure sitting with a pack of popcorn and watching sci-fi tv counts as being active.”
You gasp and rip the pillow from underneath him to hit him with it. “You’re the one who cried when Scully and Mulder -”
“Ahhhhh! No! Shut up!” He plugs his ears with his fingers.
You erupt with laughter, falling off of the arm and onto the floor.
You share a fun moment together before he groans again about his back. You think to resolve this with the expensive purchase you’ve been hiding. You rush into your room, if it could even be called that, grab the basin, fill it with water and back into the living room.
“Here, kick off your shoes.” You kneel down, turning on the machine and placing his feet into the water.
His tone changes the moment he feels the warmer kick in. He throws his head back in content and comfort. You take his shoes and place them near the doorway.
“Did you see this?” You ask, the gold of a letter catching your eye. He hums in response.
You use the keys to rip it open, the hard cardstock nearly giving you a paper cut. You’re greeted with a beautiful invitation, all black with gold lettering and cursive writing.
“You are cordially invited to share in a celebration of the union of Dustin Henderson and Suzie Smith.”
Steve’s eyes fly open as he turns his head to face you. “Let me see that.”
You pass it to him, getting comfortable in the little space and trying to remember where you’ve heard their names before.
Steve chuckles to himself, scanning the whole invite. “He did it. He really did it.”
“Dustin...is he the one you’re always talking about?”
“Yeah,” he smiles to himself, thinking of how much time has passed. “Kind of like the little brother I never had. Wow, I haven’t seen him since he was 15.”
You’ve never seen Steve so happy before. He doesn’t talk much about his life back in Hawkins and neither did Robin. You could only assume it was as boring like your own hometown and thus the reason for their leave.
“Isn’t this the fourth wedding you’ve been invited to?”
He sighs. “Yeah but, I don’t even know if I’m going to any of them.”
Your brows furrow. “Why not? You said it yourself this is like your brother.”
He lets the invitation fall onto his lap. “Because - I, I’m not as interesting as they probably think I am.”
“Pfft. So what? You want to entertain some people to spruce your ego or something?”
“No,” he crosses his arms. “It’s just everyone’s getting married, my cousin just had like his third kid, oh and this guy at the bar was showing me his grandkid and crying like crazy.”
“So? Everyone’s different, things don’t always have to match up. You don’t have anything to prove.”
He squeezes his eyes closed and runs his hand through his hair.
“How about this? We go and we just try and set you up with someone. Doesn’t matter who. It’s four weddings, there’s bound to be some marriage material in there.”
He side smiles, contemplating. “Alright.”
“Good,” you clap. “You need this. Plus there’s something wrong with the plumbing and we have to leave while they fix it.”
He groans.
January 13, 1994
Nancy & Jonathan’s Wedding
Portland, Maine
One Day Before
The airplane ride wasn’t too bad. Actually no, that was a lie. There was mostly turbulence and you spent most of the four hours freaking out and thinking that there was something going horribly wrong. Steve wouldn’t stop laughing at you though, faking that your seatbelt had come undone too many times. You shut him out by grabbing a blanket and trying to lull yourself to sleep without thinking about how you were suspended in mid-air on a death trap.
It didn’t work as well as you’d hoped, being able to hear Steve’s poor flirting with the flight attendant. You rolled your eyes, but you had to give him some credit. He was starting early.
Steve shook you awake shortly after touchdown, poking at you. “Alright good, you’re in one piece. Can’t afford to claim you as extra baggage.”
You faked a laugh and pinched him, earning a yelp from him and eyes from other passengers.
One confusing cab ride later, you both had arrived at a pleasant looking hotel. It looked over the ocean, which smelled and felt so incredible. It was cloudy now, the sun hiding away and making the hotel the sole focus of your attention.
You struggled to get your suitcase up the stairs, eventually giving up and letting Steve carry it while you carried the other bags.
“Geez, what’s in here, rocks?”
“Hey! I didn’t know what to bring exactly so I brought a little of everything.”
“You look like you packed for two weeks, we’re only going to be here for two days!”
“I work hard to look good, Steve. Which is less than I can say about this number.” You gestured to his wardrobe consisting of a worn henley, frayed at the end of the sleeves, a denim jacket and brown boots you stole from him from time to time.
He looks up and down. “I think I look good.”
You ignore him, continuing up the infernal stairs, mentally making a note to join Robin on her retreats.
You two are trying to catch your breath at the desk when you meet the attendant.
“Byers wedding.” You huff out.
When you’re handed the keys, you steer Steve into an elevator, not even bothering to look at the massive set of stairs even if they were decorated beautifully.
“Hurry.” He whispers, dragging the suitcases.
“I’m trying! You’re the one who packed all these jackets.”
“It’s cold, do you want us to freeze?”
“No, but we could’ve done with two!”
You both finally arrive to your room confused.
“Wait, why did she give you only one key?” Steve asks, hand on his hip like a mother.
“I don’t know, you’re the one that booked it.” You shrugged, sticking the keys in and opening the door.
“I clearly said two people in one roo - I see my mistake.”
A single king bed stares back at you both, tidied up with a towel teddy bear in the middle of it.
You glance at Steve, meeting his eyes before glancing back to the room. You both stay silent.
“I’ll take the floor.” You both say in unison.
“No, no, you can take the bed. Since you say you always need your beauty sleep.” He gestures to your face.
You snort. “Me? No, Grandpa, I think you need it more than I do. Wouldn’t want you breaking your back at the wedding and outshining the bride.”
He mimics you in a high pitched voice, prompting you to laugh.
“Listen we can figure it all out once we get everything unpacked, okay?” You wave him off.
He shrugs. “Fine by me.”
The tv plays in the background while you brush your teeth. Steve settles in the huge bed, patting down his pillow.
Once you’re done, you wet your fingers and rush into the room and flick your hand at Steve. You get him right in the face.
“Hey! I’m trying to sleep here.”
“You’re no fun.”
“Yeah well, we can have as much fun as we want tomor- what’re you doing?”
His train of thought is interrupted by you slipping into the bed.
“What? You really thought I was going to sleep on the floor?”
He chuckles nervously. “No.”
It amuses you. “Relax.”
He slinks back into bed, one arm under his pillow and the other atop his forehead. You grab one of the extra pillows and wrap your arms around it, your right leg climbing on top of it.
A few minutes pass and the pillow is too uncomfortable and sweaty so you discard it onto the floor somewhere. You huff.
You glance at Steve who’s snoring lightly.
“Steve.” You whisper.
Nothing.
“Steve!” You whisper a little louder.
He hums in response.
“Are you asleep?”
“I was.” He whispers back.
“Can I..hug you?”
That gets his attention. His arm leaves his face, now looking at you through sleepy eyes.
“What?”
“Can I hug you? I can’t sleep without the pillow making me sweaty.”
“Uhh, what about Danny?”
“We broke up. A while ago.”
His mouth drops into an O shape.
You shake your head, dismissing the thought. “Nevermind.”
Steve hops onto his elbows, “No! No, it’s okay. Really.”
You turn back, trying to see if he’s serious. When that sorry look is apparent, you nod.
“How do you - oh okay.”
You get close to his right side, swinging your leg over his waist and wrapping your right arm over his chest. He can smell your shampoo.
“Cuddling doesn’t have to be sexual by the way.” You murmur into his chest.
He almost asks you to explain that but when he hears your soft snoring, he forgets.
#steve harrington x reader#joe keery x reader#stranger things imagine#steve harrington imagine#based on the plus one movie 🥰
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It’s Soup! -- Symbruary Day 8 “Food” Fill
Just in case anyone thought I was capable of making anything normal. Here is likely the only prompt fill I will be doing for @symbruary. Written in about 2 hours (would have been shorter but my dog kept screaming at me to take him on a walk) with little to no proof reading so forgive any mistakes, especially since I nearly never work in first person and have never written in present tense.
Requires a basic understanding of the plot of Venom: The Hunger to properly understand.
---
I am hungry.
Not the kind of hungry where it hurts your stomach; the kind of hungry that hurts all over. The kind of hungry that looking at food makes you feel sick. That eating doesn’t help. That makes all food look and taste foul. Because it’s a specific hunger. A craving for something.
Yes, that’s it. A craving. One I can feel in my bones, my teeth.
Our teeth.
But for something I can’t define. I can’t find. I’ll have to keep looking.
I am angry.
But that’s nothing new. Every day I feel like I’m angrier, but everyday it feels more justified, so I don’t mind. Every day I see more filth, more corruption, more sin. Everyday it seems like there’s fewer innocents to protect. Like there’s less and less untouched by the grime and putrescence of this city, this whole society.
What is the world coming to? It disgusts me.
Everything disgusts me now. Food, people,places. The popcorn I’d purchased with something approaching optimism is already all but discarded. Like trying to force mud and gravel down my throat. Repulsive. Like everything else. Everything sets a bad taste in my mouth, like sewage.
Well, except for one thing, of course.
The Other winds itself through my fingers, forming a hand to interlace with mine.
My Other.
It’s the only thing that soothes the anger, the shaking, buzzing, craving, wanting, needing. It’s a cool balm. When I feel its presence in my mind, winding its way through the twists and turns of my body, making its serpentine journey through the labyrinth of my form, for a moment I can feel at peace. We can feel at peace.
There is a movie playing, here in the dark theater. Noise and light that my brain finds too hard to bother parsing. I didn’t come here to watch it, anyway. What story could any human mind fabricate that could match the magnificence of the creature that weaves its way through my cells?
None. Of course not. But the theater is blessedly dark and any within would not be looking at us. So we are afforded this small luxury of clasped hands.
In these brief moments such as this, when our minds touch and my heart swells with adoration for my beloved being from beyond the stars, it feels for a moment like there is more to existence than the wretchedness the world seems so filled with. That there is something else to be felt but disdain, disgust.
Then the shouting begins.
“Aw, they shoulda got Stallone!”
Teenagers.
I always had a soft spot for kids, but nowadays it seems there’s little to be soft for. Even children are tainted by corruption and filth. There’s no respect, no courtesy. These punks are nearly too far gone, already adults, raised in putrid bile and fit to do no more than regurgitate it.
But maybe not too old and far gone, yet, to be taught a decent lesson.
–
I am hungry.
I am angry.
Strung up from the ceiling, upside-down, the little cretin’s whines and whimpers are giving us a headache.
“Punks like you make me mad,” I hiss, wrapped up in my Other, in my true form, our true form.
Being together, as Venom, feels right. It always does. Like taking off an uncomfortable costume and letting the world see you as you are. Like finally fitting right in your own skin. But the buzzing and churning in my mind only seems to get worse together.
The only thing that feels right, but also wrong. Helping and hurting. Bane and balm.
Our headache is getting worse.
“Mad enough to bite your heads off!” I threaten.
It’s an old bit, but it’s our standard. Something about a brain-eating alien always seemed fitting. It’s the kind of thing people expect from us. The kind of monster they want us to be.
“CrrrrUNCH! ” For a moment I can almost picture it. I can almost feel that satisfying crunch of bone between my fangs, cracking and crumbling the the shell of an egg, revealing the precious contents within.
“Slurp down your brains like big fistfuls of Jello…”
I can picture that, too. Soft, slippery texture, zapping with the last sparks of life. Tingling against our tongue like a popping candy. Sliding down our throat like a rich pudding. Being so hungry for so long, it almost seems…kind of nice.
I stretch my jaws around his head, just to spook him, of course. His increased whimpering tells me it’s working. My tongue curls around his chin, as if I’m really tasting, preparing.
“Yeaaaahhhh…” I breathe, more reverent than threatening,now. More focused on the image in my mind, on solidifying it, indulging it that fantasy, than really teaching these kids a lesson. And why not? Not like they’d learn anyway. I can feel my Other almost basking in the imagined scenario as well. “Barely touched that crummy popcorn, I could really sink my teeth into–”
I stop, abruptly.
I realize my teeth are almost itching with the desire to truly sink into the punk’s flesh. My jaw tightened and primed to bite down with a crushing force. My tongue is drawing in and savoring the taste of fear, of adrenaline, in the teenager’s sweat.
I could really…
I pull back quickly, returning our jaws to a more normal size and shape. The kid was spooked enough. No need to keep the bit going.
“Uh. Nah,” I say, suddenly at a loss for a witty parting line.
We release the kids and depart quickly. Suddenly, and unplaceably, the situation feels wrong, almost dangerous. Not that we’re fleeing from it. Not that anything would have happened.
I just get a little carried away sometimes.
It’s the job stress.
—
I am hungry.
I am angry.
More angry than hungry now, I feel. Like the hunger has settled into my bones, like it’s a part of me. A dull ache for something I can’t place. We’re out looking for it now. Searching, stalking. Scenting the air, sifting through sensations, discarding everything that’s not right but nothing is right.
No one understands it. No one understands us. No one ever has and yet strangers think that they have the right to presume what we need. The interaction with the man at the kiosk is still boiling in my blood.
How can he, someone who could not possibly know us, could not possibly understand us, think he can claim to know what’s good for our health? What we should eat? What we should do? We don’t need his advice! Nor his pity.
I feel suddenly scrutinized. Like every face on the street is watching us, judging us, trying to find the filth and disease in us, too. Trying to see how their poison has sunk into us, too.
I’m looking for something now. I feel something like a panic, a desperation. There has to be something that’s right. There must be something that tastes right, feels right. I’m looking for it, now. I feel like I’m wandering a maze. A mouse trying to follow the scent of cheese through walls that are shifting around it. Searching endlessly for a prize that always eludes it.
I need to blow off some steam.
—
I have to hand it to this biker scum.
He packs a punch. More than I’d expected looking at him, anyway.
He’s also brutal. Slamming his fists and feet against my skull, my ribs, my spine. He keeps screaming about killing me for trashing his bike and I’m fairly certain that if I were a ‘factory original’ human, he’d be well on his way to succeeding. Even with my Other reinforcing them, I think I can feel my bones cracking.
The pain is grounding, though. It feels sharp and real when everything else has been cloudy, drowned out by the frantic buzzing of my body and mind. The rush of adrenaline feels good and I find I need more of it.
As I’m thrown through a window, I can already feel my Other cording itself through my bones, sealing any crack, repairing any fracture. It seeps up through my skin and releases its cloth disguise to wrap around and through me. Our fangs push up through our gums and back into their rightful place. Our jaw stretches and lengthens to accommodate and I find myself wishing I could feel the strain of it more acutely.
I let our long tongue roll out of our mouth and splash into a mug of beer on the table closest to the window through which we were so recently defenestrated. I do so enjoy a dramatic entrance. Or, reenterence, as the case may be. The taste,however, is even more abhorrent than everything else I’d been fruitlessly trying to consume lately. Pure poison.
I retch, pulling our tongue back and away from the putrid substance.
“You call this beer?” I snarl. “Tastes more like runny buffalo spit. Not that scum like you deserve any better.”
Our form feels strange somehow. Fitting to the state of our mind more closely than to the curvature of my body. Bigger, but less defined. More animalistic. More tendrils than we’re used to, as well. Somehow it feels like it matches the disjointed and detached state of my thoughts. Poetic.
I hear the bikers say something about superheroes, causal slurs and offensive epithets peppered in as is the wont of such ruffians. But we don’t feel like a hero tonight. This doesn’t feel like defending the innocent. I wonder if there’s even any left out there to defend? We don’t even feel like a judge, doling out retribution to the guilty. We’re out picking fights. Finding people who ‘deserve it’, whatever ‘it’ may be. Less like a punisher, more like a predator.
With teeth to match.
We’re slashing through biker creeps like we were made for it. Because we were made for it. But I barely hear it. Barely notice my own comebacks. I’m spouting the truth, the truth about their bile and filth, and the energy behind it feels good, feels like something , but it’s hollow. It’s not enough. I can’t find it in me to care. I’m angry that I don’t care.
I’m angry.
And I’m hungry.
God help me, I’m so hungry.
‘Frankie’,as it seems the leader of this loathsome bunch is named, takes another swipe at me with a knife. As if it could do anything. Ranting about cutting me open, as if he isn’t hopelessly, pitifully outmatched.
I swat him away like the disgusting insect he is.
“Oh, bite me.”
I’m not sure if I mean to kill him, but the loud ‘crack’ of his head against the brick pillar suggests that such a feat has no doubt been accomplished.
Suddenly I have no space in my mind for considering it. No space for thought about the other bikers starting to peel themselves off the floor.
A scent wafts into our nose, permeates into our flesh, into the scent detecting cells that litter the Other’s body, when we wish them to.
And suddenly, we desperately wish them to.
I sniff again, then once more, as the Other floods our form with more and more structures dedicated to scent, lining our skin with them so that the intoxicating aroma caresses us like a warm breeze.
What is that?
“Something…smells… GOOD,” I murmur, like a man possessed.
I feel like a man possessed. Possessed by that smell, the need for more of it, the need to discern its source. Our mouth is watering (more so than normal, anyway) and suddenly the hollow ache of craving turns sharp and demanding in our gut. I feel myself willing more teeth into our mouth and I feel my Other enthusiastically fulfilling that wish.
My Other is practically writhing on my skin. Our form feels like it’s shivering down to the core.
What is it? What is it?
I stalk to the pillar, stained with thick, red liquid, and breathe in that scent as deep as my lungs will allow.
“Warm ’n mushy…” I find myself repeating the words from earlier. When I had so desperately been trying to define what our body was screaming for. To put words to its silent but insistent demands. “ Wet…and…tingly…”
I lean down right above the cracked and bloodied cranium of the late Frankie, sniffing again and confirming beyond a doubt the source of the mouthwatering scent. And confirming beyond a doubt that it’s what we’ve been craving. What we need. What we want.
“Mmmmmmmm…” the moan from our lips is nearly sinful. It’s so close. What we’ve needed so painfully. What we’ve been aching for.
I feel feverish and desperate. The Other is writhing around and inside me. Our combined want and need feels like it will shake our body apart.
The Other provides me a lie before I even realize I have been begging it for one. Something innocuous. Something, anything appropriate. Excusable. It pushes me forward, encouraging. It feels as frenzied as I do.
“It’s… soup!” I exclaim.
And with that it’s justified. It’s acceptable. It’s accepted.
It’s inevitable.
We open our jaws wide, tongue lolling out.
“Yeahhhhhhh…” we breathe.
Our jaws snap down, crunching through the skull soup. The moment it hits our tongue is like salvation. After months of wanting, craving, aching, the thing we’ve so desperately needed is here, dancing on our taste buds, sliding down our throat. Like water in a desert, like life returning to our body.
How could we stop?
Our teeth gnash and tear, dragging more and more of the precious substance into our mouth. It’s so much and yet not enough. How can it be both? How can it be everything and yet nearly nothing?
We can’t understand it. Can’t understand anything. Can feel nothing, think of nothing, but the need for more. More. Like a thousand pounds would not be enough.
Faintly, as if beyond the veil of a dream, we can hear it, a cry of pure horror and disgust.
“I don’t believe it!” a voice cries. “He’s eatin’ Frankie’s brains!”
The statement drags me out of my frenzied state as if dragging me out of thick molasses.
“…what?” I mumble, still feeling only half lucid.
No…no we never….we would never. It wasn’t…it was only…
I look down at my hands, stained with blood and chunks of grey matter.
“No…” I breathe, then scream. "NO!"
It couldn’t be right. It couldn’t be real. This wasn’t me. This wasn’t us. Wasn’t Venom!
Suddenly Venom becomes a divided entity, split jaggedly between the horror and disgust at the viscera coating our claws and the frantic desire to lick each one clean of it. The revulsion at what we’ve done and the desperation to continue.
I stumble backwards.
“Threatened plenty of times – never meant to – just to scare ‘em…a joke !” I stammer.
When had it stopped being an empty threat? When had it stopped being a bit? A Joke?
Dear God, had it ever really been?
My stomach churns. Suddenly I feel panicked. Exposed like a rat in a trap, overcome with the need to escape.
“Something’s wrong with – Oh God have to– Get away!”
I flee as fast as our legs will carry me, away from the cooling, clotting remains of what is decidedly not soup.
And the worst thing.
The worst thing.
Is that I’m still hungry . ---
Also crossposted to ao3 : [Here]
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How to Get a Last Minute Christmas Gift (A Guide by Pidge and Lance)
For the @plancesecretsanta! I got @mintdr4ws! Be merry, friend, for I bring gifts!
...
“These look like his boots.” Lance said, poking at the footwear that were frozen to the ground near a broken fire hydrant.
“I guess this is the right way, then.” Pidge said, “Come on, we can still catch up.”
“Hold on,” Lance waved, “Help me get these out first.”
“What? Why?”
“These will do, don’t you think?”
Pidge stared for a moment before comprehension overtook her, “... Oh, yeah. Sure. It’s better than a pot.”
“My thoughts exactly.” Lance grinned as Pidge took out her trashcan lid and began bashing the ice with it. The ice came free easily after a good minute or so, and the boots came up with it. Lance picked them up and tossed them into his sack, which he slung over his shoulder.
“Sweet! Now, did you see which way he went?”
Pidge froze, though Lance figured the weather had nothing to do with it this time. The young woman groaned, “We lost him?!”
“Aw man.” Lance looked around, hoping to see some trace of the man they had been chasing, but he was nowhere to be seen. “You wanna just head back to the apartment?”
Pidge looked at the black sky, not a star in sight and no shades of color to be seen. “Might as well.” She yawned loudly, “I’m tired.”
“Me too, let’s forget about that guy.”
Pidge looked at the slightly dented trashcan lid with a blank stare. Without preamble, she dropped it and turned toward the Garrison.
“Merry Christmas, I guess.” She said, letting Lance take her hand with his free arm as they began strolling back to their apartment.
“Merry Christmas,” Lance replied with a laugh, twirling her around until she was flush against him. Pidge stared at him in content, waiting for him to lean down.
He did, and their lips met.
“Was that really so bad a date?” Lance asked, voice muffled by her lips because he refused to pull back.
Pidge rolled her eyes before leaning further into him, voice similarly distorted, “I suppose not.”
... (Earlier) ...
They were several seconds behind the crook now, only barely able to follow around the corners from where Lance’s eye could catch the barest of glimpses. They were lucky he could, because Pidge’s eyes weren’t nearly as keen.
Attributed to the numerous hours she spent staring at a digital screen.
“Finally,” Pidge couldn’t help but breathe the word when they emerged onto a street. Down the road, they could see the crook rising from the ground. He must’ve slipped too, if Pidge were to guess. “Stop! Just let us catch you!”
The guy didn’t obviously. He was annoying like that, Pidge mused. She huffed, and prepared herself to start her sprint anew.
“Hey, what is that?” Lance asked, stalling her run. He pointed to the ground where the crook had just been. By a broken fire hydrant, half-buried in ice, their prey had left something behind.
“You think he left behind his name and contact information so we can alert the proper authorities?” Lance asked facetiously, though he couldn’t prevent the weak spark of hopefulness that wired its way into hia tone.
“Let’s hope so.” Pidge answered, “I’m getting tired of all this running. Who runs on a date?”
“... Usain Bolt?”
“Hm.”
... (Earlier Than That) ...
Their city had too many alleys, Pidge decided as she tailed behind Lance. Between her shorter legs and the icy pavement, she was struggling to keep up. The fence had proven difficult, but so was banking a turn on most labyrinthine stand-up slip-n-slide.
“Just so you know, Lance! This is the worst date I’ve ever been on!”
The man took yet another turn into yet another alley, and Lance followed somewhat closely. This was nothing like old times, she decided. She took the turn into that alley after them.
“I’ll remember that next time we chase a random thief at half-past three in the morning.”
Pidge yelped as their quarry picked up a small box from a trashcan and threw it back at them. Lance ducked swiftly, leaving the projectile heading toward Pidge. Without thinking, she grabbed the nearest item -- a trashcan lid -- and held it in front of her. The box bounced off harmlessly, but the force caused her to fall and she slipped right into Lance.
Lance struggled to turn and catch her, but the two young adults ended up on the ground in a cold heap of limbs anyway.
“Get up, get up!” Lance called. The lanky man frantically pulled his companion back to her feet and hurried onward after the crook.
Pidge scrambled after her long-limbed partner, lugging the lid with her in case of another assault. “Next time, we’d better be chasing a murderer or something!”
Lance laughed.
... (Even Earlier) ...
Lance and Pidge were chasing a thief threw the snowbound streets in the dead of night, because that’s what heroes did.
“Now this really feels like old times, doesn’t it?” Lance called as he swerved around a street lamp. His arms pinwheeled for a moment when he almost lost balance, but he still kept stride with Pidge, the beaming smile never abandoning his face.
“Yeah, except we aren’t flying through space at unimaginable speeds.” Pidge grit her teeth against the cold wind in her face. If only she had her old bayard, then catching this guy would be simple.
“You’re right, this is so much less romantic. There aren’t any lasers or explosions or anything.”
“Lance, I love you, but now is not the time!”
The thief, several paces ahead of them, stopped at an alley far quicker than made sense on the slippery road. He must’ve been wearing snow shoes. Great.
Pidge and Lance clumsily slid up to him as the crook leaped onto a chain-link fence that stood easily twice as tall as Lance. He scaled it easily, heedless of the icicles hanging from the metal.
What a Christmas this was turning out to be, Lance thought to himself, as he flung himself onto the fence after the crook, who managed to get over the barrier and halfway down the alley before the chasers could follow.
“What? You’re not having fun?”
“Lance!”
... (Earliest) ...
That night, Lance and Pidge were out doing last minute Christmas shopping.
“Of course no stores are open! It’s Christmas!” Pidge kicked violently at the snow.
“Also it’s 3:12 in the morning.” Lance yawned while checking his phone. Five percent, not good. Pidge’s phone was about the same.
Pidge groaned, “So much for our Christmas Eve date.”
“I don’t know, it was fun just walking around at least.” Lance said from where he was leaning against a wall. Pidge smiled at him and he smiled back, enjoying the moment of peace.
It didn’t last.
“Just one more!”
Lance pulled his jacket tighter around himself and hunched in to avoid the cold night air as he watched Pidge start to dig a rut into the snow. She was pacing violently, kicking up the flakes with as much force as she could spare without falling over.
It was an impressive height. The snow rose almost to his shoulders.
Pidge stopped to check her list as if she didn’t have the contents memorized.
“We have matching phone cases for Shiro and Adam. We have a hamster wheel for Allura -- or her mice, at least. Keith’s getting a key chain with a picture of Cosmo on it. Coran’s getting this year’s Farmer’s Almanac. That leaves Hunk.”
“We’re really bad at gifts.” Lance said, looking the sack of gifts they had purchased from a gas station. Even the hamster wheel was really just an empty roll of tape they had glued to a broken fan. But it was the thought that counted.
“... yeah.” Pidge slumped forward and brought her hand to her chin in a classic thinking pose. “Why is the friend we should know the best the hardest to shop for?”
“Do you want to get him another pan?”
“We’ve given him a pan three years in a row!”
“How about a pot?”
“Lance!”
The man shrugged, “I told you, we’re really bad at gifts. How about one of those fancy portable stove top things?”
“That’s out of our budget.” Pidge replied, patting the pocket that held her wallet. Their gift funds were tragically low since they were at the tail end of their shopping. They couldn’t afford too expensive a gift for the kind-hearted cook unless they dipped into a different fund, like food or rent.
But they weren’t going to make that mistake an eighth time.
“Can we afford a pot?”
“We’re not getting him a pot.”
Lance sighed, watching the breath puff into the night air. “Well, how about we try--”
“Hey! Stop that thief!”
... (Later) ...
“And that’s how we got you these cool snow shoes!” Lance grinned, extending his arms with all the grandeur he could muster as Pidge pulled the shoes from the sack. “Merry Christmas!”
Hunk, though, was utterly lost. The rest of Team Voltron fared no better.
#plance#pidgance#pidge#lance#voltron legendary defender#vld#hunk#fanfiction#how to get a last minute christmas gift#(a guide by pidge and lance)#christmas shopping#plancesecretsanta2019#plance secret santa#mintdr4ws
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Off Limits
Monsta X
Im Changkyun/Reader [F]
Genre: High School AU, Rebellious, Drabble
Warnings?: Smoking, Disregard for rules, Swearing, Inappropriate language
Words: 1.5k
“Hurry your bitch ass up, I’m not getting any younger out here while your dick is stuck in some Spencer’s purchased, unsanitized fleshlight.”
“I’ve never been more offended or proud of you for your onslaught of insults lately,” Changkyun said back to your obviously fake rage over the phone. “Besides, if anyone’s bought anything from Spencer’s, we both know it's you. How else can we explain that kinky set up in your closet, hmm?” He chided as you promptly hung up on him without a word.
Slotting his phone back into his ripped jean pocket, he stuck his AirPods in his ears, blasting whatever edgy band he was into these days. He found himself listening more to edgy American labels more than most these days, his time in America really laying into his DNA, despite not being born there. That is one more thing you never let him live down, his Western like behavior.
You’ve claimed to be ‘scarred for life’ when you walked in on him in the middle of a keyboard smashing, screeching deathmatch in Overwatch while he was stark-ass naked at 3 AM. In your house mind you. Seeing his fake American Tit-Tat was one thing in life you never planned on seeing.
You had to buy a whole ass new computer chair after that night, too traumatized with the imprint of his naked arse in your sweet leather seat to ever sit in it again. You had half a mind to call a priest and have it excised, but you couldn’t afford a whole Holy Man in garbs, so new chair it was. Thankfully, as compensation, Changkyun pitched in on half the bill for it.
He walked a bit further down the ever darkening roadside as he soon watched light post after light post flicker on. Some with working lights, some with new LED lights that not only allow you to see below you but apparently 30 feet in every other direct resulting in direct blindless for 5 minutes if stared directly into.
He soon rounded a corner as he saw your silhouette not too far off. He watched your arm raise to your mouth, stay for a moment only to drop and a puff of smoke push past your lips. It looked like you were wearing a jean jacket he got for you for no other reason than you looked good in it. Jeans that nicely rounded your ass, even from his distance, and he could guess what shirt you were wearing. Probably something about aliens if he had to guess.
He reached for his phone, just before stopping and plucking one AirPod from his ear to hear his footsteps. He had to be quiet; yes, very very quiet. He moved along a barely holding together brick wall and slid along it, looking like a blond fool at dusk where he was still pretty much 90% visible.
Taking step by step in his torn up, ankle black Harley Davidson biker boots, he held his partially painted finger in front of him. Tiptoeing like some cartoon character, he stood nearly directly behind you now. He waited, watched you take a breath of your nearly finished cigarette and once your hand was dropped to your side, he jumped into action.
“HOWDY!” He screeched into your ear as you whirled. You swung your arm behind you, your stupid best friend ducking down, safely out of the way while your unfinished, but small cigarette fell to the ground. He looked up at you, seeing your shirt. Black with white writing saying “I bEliEvE” in a pretty awful font. Not at all pleasing to the eyes. “Alien shirt, I knew it.” You were quick to kick out your converse covered foot and push his squatted ass into the ground.
He teetered over as you stood over him with your arms cross. Hair hanging in tangling in front of your chest as you looked down at him. To any stranger, you would seem to be bullying the blond high schooler, but you two were fairly well known in your small town. He pushed himself up on his elbows.
“I always knew you were the ringleader of every relationship you’ve been in. PUshing people down, oof.” You rolled your eyes as you stepped over him. Not quite disregarding his chide.
“This is why you can’t get a girlfriend. You suck,” you groaned back as you stepped on your still smoking cig with the toe of your shoe. He hopped up like he wasn’t on the ground to begin with.
You and Changkyun have known each other since middle school when you first showed up in his rinky-dink little town. Officially attached at the hip when you flashed your chest to some stuck up jock and got picture proof to frame him for sexual harassment, all because he kept making jabs about your ass.
If one were to drive through your town and blink, you’d be in and out in a flash. Population a whopping 500. Everyone knew everyone, stories of “I taught so-so’s parent in school too” coming from every old and rotting teacher on school property.
Not that either of you heard it much. Neither of you really care much for the school scene. Not fitting in with the small school system. You’d think such a small town would go to a bigger town for schooling via bus, but no. School houses were built, and by houses I mean houses. You swore they held lectures in superstores, they were that small.
It’s not like school was important. Even in a small town, no one cared about grades or success. It was all about who was wearing what. The TV programs on the night before. Jocks trying to win over hearts of adolescent girls thirsting for whatever they could get for a night and $20. Or who was fucking who in the public bathroom at lunchtime.
So, you both stayed in your world. A world of bad choices, smoking, drinking having the time of your lives regardless of the opinions around you. Some adults couldn’t wait for you both to just up and vacate town. Maybe then they’d stop hearing about what you both did the night before.
One time it was graffiti on the side of the doctors building. Another it was tying every cart in the supermarket together with zip-ties. One night you both decided to paint on your face and start a bond fire in a vacant abandoned lot and acted like fools. Life was never dull with the two of you, that's why it was thrilling.
“What’s the plan tonight then?”
“Fuck if I know. You’ve killed my last cigarette and I can’t afford another pack right now.” You whined as he plucked a fresh pack from his back pocket.
“Ah, my mistake. Madam Piss-Poss needs a cigarette like an alcoholic need beer. Just where have my manners gone to.” Packing the box in his palm you rolled your eyes.
“you’re just as bad as I am. Shut your mouth before you choke on my fist.”
“I’m not into your kinky stuff, Y/n.”
“You’re pushing it.”
“Pushing what? Your buttons? I suspect you only have 2, and they’re named as such:” He poked at your breasts. “Nip and Nap.”
“You are such a pig!” You whack at his head. He swirls around completely unbothered as you fix your shirt he had bunched up. He tore off the plastic around his pack of cigs as he pulled one to place between his lips and offered you one more.
“Pig that you can’t stand to be without. How precious, you might be pulling at my heartstrings.”
Although you gratefully accept the toxic stick of tobacco, you still get in one last jab. “Don’t imply I make you horny,” you finished. He chuckled as he plucked his lighter from the side of his boot. You never understood why he kept it there, it always smelt of feet. He offered you the light, but you shook your head. “I don’t want your smelly foot lighter.”
Changkyun rolled his eyes. “Then let me light it, baby.” He stepped closer to you as you tipped your cigarette between your lips up with your tongue. He always does this. He grabbed the back of your neck with one hand as he steadied his light with the other between his black-tipped fingers. Pushing the fiery ash against the tip of your cigarette, it took a moment but soon you were huffing in the toxic fumes, same as he.
It was stupidly intimate, but it was your thing. It was the thing between you two.
You refused to label it, as did he. There were no titles, no distinguished relationship status: they were off limits. You two were the pair who did everything together. You’d hold hands, you’d hold each other, you’d ugly sob and get drunk together in an abandoned building. You’d even get lost in lust from time to time; greed and lust were no exception to human nature.
You both even sat at each other’s side and hyped one another up when you both got your first tattoo’s and piercings that continued to grow in number as the years ticked by.
Yet, you were also the pair who would call each other ‘pussy’ just because someone didn’t make a crumbled up burger wrapper into the nearest trash can. Insults were compliments, and if a compliment was truly shared, then your bond grew tenfold. There were no hurt feelings, no titles, no words to describe you both.
You were just Y/n and Changkyun, just two humans living their lives. The words ‘I love you’ were strictly off limits.
#this is actually really lame i'm sorry lol#this only happened because of changkyuns hair and nails and i'm suffering#im changkyun#changkyun#IM#monsta x#monsta x im#monsta x changkyun#high school au#high school#au#disregarding rules#swearing#a lot of swearing#rebel#rebellious#bad students#smoking#changkyun fic#changkyun fanfic#changkyun fanfiction#reader#reader insert#female reader#x reader#changkyun x reader#im x reader#rated m guys#lol#m
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Kagerou Daze VIII: Chapter 4
Children Record -side No.3 (2)-
Please feel free to message me about possible corrections. If you can, consider supporting the creators by purchasing the official releases in Japanese or in English. In case anyone is feeling generous: Ko-fi | PayPal. ( ╹◡╹)っ’・*
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Even if someone were to die, no matter what, we wouldn’t cry. Should we manage to meet again by any chance, crying was permitted. Ever since we had made that promise, I had been intending to prepare myself in several ways.
But, I’m sorry. This kind of thing... is really painful, after all.
It was the third time that one of my family members had died before my eyes. Honestly, under what sort of star had I been born to be facing those horrible circumstances? I had often heard the words “there are no gods”, but if there really weren’t any, wouldn’t I have been spared from wandering through such a bizarre life?
I don’t believe that gods don’t exist. There has probably been one god with an exceptionally ill personality leading us by the nose all this time. Or something.
I had already been deluding myself with those kinds of “meaningless things” over and over whenever something heartbreaking occurred. It was not as if anything would change were there any gods. I was aware of that much. Except, the desire to know what a so-called “god” was and of wanting to see one didn’t fade.
Aah, I see. That may be why.
Mary’s figure as she stood before my line of sight had a god-like, overwhelming presence, enough to make me think, “perhaps ‘that thing’ in front of me is a god”.
It had happened a little while back. Shintarou-kun’s “plan”, which was too well-done for something conceived during a single night’s timespan despite that it could not be considered meticulous, had gone roughly as arranged. Using Mary’s power, we were supposed to stop the movements of Dad... of our enemy, who “Clearing” was living inside, and restrain his body just like that. I think the way things had gone until that point could even be described as perfect.
It was immediately afterwards that the situation had abruptly changed.
Two of our comrades were murdered in the blink of an eye by a pitch-black shadow that had appeared in the center of the dark laboratory. The “Clearing Snake”, which had sprouted from within Dad’s shadow, transited into Konoha-kun’s body, as if already meaning to do so.
Konoha-kun’s “ability” was the “Awakening Eyes”. Most likely, I wouldn’t have been able to predict that the “Clearing Snake” would take over said “ability”, which strengthened its owner’s flesh, even if I had tried thinking about it.
As though sneering at me, a nasty laughter reverberated through the room. I had a feeling that I heard a scream from Mary merging with it, but I couldn’t do anything at the time other than simply stand still before the tragedy unfolding in front of my eyes.
A tenacious “body” and an evil “head”... in short, the worst-case scenario.
Regardless, by the moment I had internalized that, Konoha-kun’s sinisterly distorted smile had already been drawing close to my field of vision. As I had been grabbed by the neck and lifted, without being able to even gasp, I had squeezed my eyelids shut... Yes, it had been right at that instant. I had unwittingly cringed in fear at the words that suddenly reached my ears.
“Come, Kagerou Daze.”
For a second, I had been unable to tell that those words were from Mary. Fitting of the occasion, Mary was showing an attitude of resentment unlike her usual one from the times when we would poke fun at her.
At any rate, the person who made a fool out of her the most was no one other than myself. I even wondered if I wasn’t the one who had seen her get angry most frequently. Still, the wrath that had traced Mary’s voice when she called for “that name” wasn’t in the same proportion as normal.
“Clearing” had promptly stopped all of his movements, and although it was only for an instant, he had showed an expression that made me believe he was almost shuddering in terror.
Soon after, a gigantic jet-black mouth had materialized, cutting through the frozen atmosphere of the room. That thing, which had seemed to drive off every single bit of direness, twined around and took away Shintarou-kun and Kido’s bodies, vanishing off somewhere.
I had no idea if it was because of the impacting occurrence that had just taken place before my eyes or because of the fingers tightened around my throat, but after having witnessed that, my consciousness had come to a halt...
I pondered on how much time had passed since then.
As I woke up within dead-still, total darkness, “she” was in front of me, wearing Mary’s appearance. The reddish black pupils of her dimly shining slit pair of eyes, which crept with countless snake scales, carved holes into me. Her once long hair that used to resemble cotton had become short, and her once cheerful face that used to retain cherubic traits bore a cold countenance, as if she were someone else.
What those eyes were glaring fixatedly at was Konoha-kun’s figure, which had been discolored into black. He stood upright and didn’t budge an inch, just like Dad when Mary had petrified him earlier. However, although that way of solving things seemed to be the same as back then at first glance, it looked sort of different than how it had been done with Dad. He remained staring in bewilderment with a facial expression almost like he was stuck in the edge of despair.
The power of the “Mary” I knew wasn’t like that.
Was it my instinct? I was certain that “she” who had done such a thing to “Clearing” while he resided within Konoha-kun was not a person, but “something with a human form”. Someone clad in Mary’s appearance other than Mary herself...
Unable to hold back, I swallowed my saliva at the word “medusa”, which suddenly surfaced in my mind.
Perhaps due to having heard the sound of my heartbeats, she took notice of me, turning her feet to my direction without saying anything. Weaving, she gradually came closer with a face that made her seem like she was going to pin me down. And, as she came right before my eyes, she squatted, pointing to her own chest while asking in a voice I was used to hearing, “Are you... this child’s family?”
That manner of speaking was not Mary’s.
I wavered for a moment, but I didn’t feel any pressuring intent from her question. Either way, I did open my mouth to answer, but I didn’t know what essentially I was supposed to say in response.
I think that “this child” refers to Mary. If so, then being asked if I’m her family is a little troublesome.
It felt a tad complicated to reply with “that’s right”, and the range of interpretations for “comrade” was too big. In that case, maybe I should go with “friends”, I cogitated as well, but neglecting the family part through affirming we were friends felt off-putting.
While I was distressing with my thoughts, she exhaled with a hum and opened her mouth again as if she had just concluded something, “Or, perhaps, her husband?”
“That’s not it!!” I denied on the spot. It wasn’t like I was grossed out, but I also couldn’t afford improper misunderstandings.
Maybe due to being surprised at the loud voice that I had spontaneously emitted, she blinked a few times, sucked in a breath and snorted with a “huhu”. “What, so you can talk? Since your lips were all the while repeatedly opening and closing, I figured you were the type that would convey it in this way.” as she spoke, exactly at the point where she had said “what”, she displayed a gesture as if she were stroking her chest.
Before I realized, the air of something like solemnity that had been enveloping her until just now melted away, and it felt as though her body had somehow grown a bit smaller. Still, her way of talking even about that was pretty different from Mary’s... By the looks of it, since she was speaking so eloquently, it didn’t seem like she had changed her tone by mistake. If so, then, there weren’t many prospects to think of. Probably, upon some sort of cue, the personality of the former “Mary” had switched with “hers”. Well, there was also the possibility that “she” wasn’t a woman.
“Just... who are you?” I asked demandingly, and she blinked a few times in surprise again.
Was it a habit of hers? Her attitude almost looked like that of someone who was analyzing my words and motions as if they were fascinating.
I wondered if I was going to be hit, but instead, she spewed her name out as if she hadn’t particularly intended to keep it secret, “My name is... Azami.”
As I heard that name, the presentiment that had crossed my mind a moment before turned into confirmation. Right now, the one residing within Mary was the owner of the diary Shintarou-kun and the others had found at Mary’s house... the “medusa” Azami.
“Also, I am the mother... of Mary’s mother.”
“Ah... I-Is that so?”
Moreover, she went as far as giving a courteous explanation. From the feeling she gave off, she might be a living being much easier to understand than the image I had formed from what I had been told.
Nevertheless, with that, I was somewhat able to digest the circumstances. If I were to believe Azami’s words, she was possessing Mary’s body through whatever method, just like what “Clearing” had done with Konoha-kun. If so, then the fact she had enough power to render “Clearing” defenseless was also convincing. That person was the so-called “source” who had granted us our “abilities”. She certainly exercised a power much stronger than us, who used our “abilities” as something borrowed. Overall, maybe it could be said that the situation was as though an adult had broken into a children’s quarrel?
Then, aah, I get it. This story has a pretty cruel side too.
“Why... Why now?” words instantaneously spilled out. With them as the trigger, memories started overflowing one after another, and before I noticed, my throat was shaking. “It’s too late, isn’t it!? How many people do you think have died?!! If only you had come save us a little... a little sooner...”
Not even I knew what time the “sooner” referred to. Was it when my mother had been attacked by a robber, when Dad and Mom had gotten involved in a landslide or when Nee-chan had put an end to her own life?
Sure, there was all of that. Yet, probably, none of them is it.
Just now, I had said those things encompassing the thought of “at the very least, I’d wanted you to have come help us before Kido had died”. And so, I didn’t give continuity to the sentence I had spit out beyond that point. My feelings of regret, which had not turned into fury, morphed into tears and piled up over my waterlines.
“Ah... uh...” as she accepted my words, Azami let out a weak voice and avoided my gaze with an attitude of perplexity.
Well, that was only the expected. I knew little about Azami, but she was also a victim in the scheme of the “Clearing Snake”. She couldn’t help her agitation after being shouted at in such a way out of the blue.
Yeah, I understand it.
The fact Azami had come to our aid like that was already something to be very grateful for. I was also self-conscious of how I had unreasonably put the blame on her, and I didn’t think what I had said was right. Except, even so, I hadn’t been able to handle it. As I thought of the resentment towards my companions, who had been crushed and eaten away for no actual motive, I couldn’t internalize it without spattering it out.
“M-My apologies. I cannot even imagine the hardships you all have gone through. Even though I had wanted to come save you, I was unable to.” Azami informed with a nervous tone, closing her eyes like a little girl. I didn’t think it was an excuse and had no basis to negate it by labeling, “that’s a lie”.
“Then, how come you’re here now? At least tell me this much.”
As I said so, Azami’s body flinched with a start, and she responded with a feeble voice, “My body and mind perished back when I lost every one of my ‘abilities’. My current self who is borrowing this child’s flesh and talking to you is nothing but a ‘recollection’.”
“‘Recollection’...?”
“Correct. From the other world, I shot into my granddaughter’s head a ‘reminiscent’ of the time when I was alive. It would have been better if I had managed to do it faster, but...” saying that, Azami pointed her – or it was probably more accurate to say “Mary’s” – fingertips to her temple. “...as long as this child did not use the power she holds of ruling ‘Kagerou Daze’... the ‘Combining’, I could not come out of ‘Kagerou Daze’ to intervene on this side.”
She had shot a “reminiscent” into Mary’s head?
Without a doubt, everyone was composed of “memories”. If someone were raised since babyhood in an English-speaking country, they would be capable to speak English, and those raised in jungles were probably allowed to keep even wild animals as pets. That was the so-called individuality, the prime of life experience.
In summary, what was burning within Mary’s head at the moment were the life recordings of “Azami”? If that were true, then the fact Mary was talking like Azami was indeed convincing... but even so, there was one more thing that had me stuck.
“Kagerou Daze”.
Right, Mary definitely shouted that name earlier.
Most likely, during the instant that thing had appeared and swallowed Shintarou-kun and Kido, the “memory” of Azami had leaped into our world as if passing through the wrong gate by mistake.
Still, no matter how one looks at it, it’s a weird story.
Azami said that Mary had the power to rule “Kagerou Daze”, but I had never heard it from Mary herself. It was thinkable that she would hide it, but it was more natural to conclude she didn’t know about it. Would Mary have been able to call for “Kagerou Daze” so conveniently, as if completely aware that she was a “medusa”?
As I was losing control of my thoughts, Azami suddenly lowered her brows and whispered, “It was thanks to Tsubomi.”
My eyes unwittingly went wide-open at the name that had abruptly come out of Azami’s mouth.
Acting like she hadn’t noticed it, Azami gradually continued speaking, “In the past, back when Tsubomi went to that world, I entrusted her with a message. As in, should she meet my granddaughter in the outside world one day, I had wanted Tsubomi to tell her how to summon ‘Kagerou Daze’. The ‘Concealing’ that lay within Tsubomi brings about my granddaughter’s ‘Combining’. I did think they would eventually meet and she would tell her about it...” Azami’s voice shook lightly midsentence. And then, with a facial expression that seemed too humane for her to be called a “medusa”, Azami went on, as if squeezing the words out, “How faint-hearted... She took my absurd wish into consideration. What a good fellow she was. Regardless... I did not make it in time. There is nothing more excruciating than this.”
Azami’s tears traveled down the scales that had emerged from Mary’s cheeks. As tiny sobs leaked out of Azami, I couldn’t manage to listen to the matter beyond that point.
Frankly, there were many parts in Azami’s story that would make one scratch their neck in doubt. Why hadn’t Kido talked about “Kagerou Daze” until now? And how had she been able to convey it to Mary upon having come here? I couldn’t lie about my desire to find that out, but I hadn’t the slightest idea if pryingly asking about it would be of any use. It would not change what had happened. Getting to learn about the meaning behind it all would only serve as consolation for my lack of strength. Only, I had been able to confirm just one thing after witnessing Azami’s tears.
By the looks of it, it seems I was saved by Kido.
“Haah...” I sighed, covering my face with both arms. My emotions, which had lost their place to go, incessantly stirred within my mind.
Why? How? What should I do...?
However, fortunately or not, those thoughts that surfaced and disappeared led me to exhaustion, not turning into words or making their way out of my throat.
“Were you close to Tsubomi?” As Azami inquired, I could somewhat feel the depth of her thoughtfulness in her manner of speech.
Is she being considerate of me?
Come to think of it, she had asked a similar question earlier. As in, if I was Mary’s family.
It wasn’t like I was trying to make up for not having answered that one, but I responded without missing a beat, “Yeah... that’s right. Ever since we were kids, we had always been together. She was obstinate, awkward, and... I liked her, very much.”
If I could say so myself, thought I had given a pretty blunt reply. Nevertheless, answering with non-sugarcoated words was my intention.
Upon hearing it, Azami retorted with a curt “is that so” and started sniffling. As I found that bewildering and rose my head, I saw Azami shedding large tears in an even bigger quantity than just now, her body quivering.
“Y-You must be disheartened. Being separated from someone who you had stuck with for a long time is as agonizing as setting your body on fire. Uuh... eeh... I am at loss for what to say in return...”
Aah. This person... is such a human, huh.
Rare were the people whom would sympathize so much with those they had just met. In reality, she was someone utterly unfitting of the word “medusa”.
Her snake eyes, welling with big teardrops, bore the color of pain – the same one as the blood flowing within us. It was a sinister hue, which had continuously caused trouble. Of course, it was not as if I were about to blindly believe in Azami’s story. Yet, a small but huge fact stood ahead of that. We knew the emptiness of being labeled as “monsters” and detested. There was no way we could hate someone who had that eye color.
If it were Kido, she’d probably say so. I’ll use this as guide.
“There’s... no helping it anymore. Kido did her best for our sake. It’s lonesome that she’s gone, but we can’t just keep on crying after she sacrificed herself for us to live.” I asserted, getting up.
Those words were half-true. But the other half was a lie. For the time being, before said lie thawed away, I could not afford to waver.
“Thanks for telling me all this, Azami-san. So, what should we do now?”
“There is no need for the ‘san’. It’s ‘Azami’ for you.” Azami said in discontentment after a pronounced hiccup while drying her tears.
“Aah, erm... Is that... something important?”
“Obviously. It is the precious name I was... bestowed with in the past.”
I see. Indeed, it’s of great significance.
“Got it.” I replied curtly to Azami, who was human-like in every aspect, turning back towards the direction of “Clearing”, who remained inside Konoha-kun.
Not having changed at all from earlier, the figure of “Clearing” as he stood in place, combined with his expression, was the image of anomaly itself. There was no light in his blank pair of eyes, and not a single sign of emotion could be felt in them.
That was the situation until the current point, and from the perspective of an outsider, it probably looked like everything was settled. Alas, things were no good. At the very least, for as long as Konoha-kun’s body was being possessed, we could not leave him alone.
Besides, we didn’t know when he would start moving and attack us again.
That’s precisely why we need a simple way to deal with “Clearing”, who has stayed unchanged since not long ago, but...
While I was lost in thoughts of possibilities, Azami slowly opened her mouth, “I concluded that the power of my granddaughter had a few-minutes limit. So I used... Tsubomi’s power of ‘Concealing’.”
At the words “I used Tsubomi’s power”, my chest throbbed piercingly. No matter how much I comprehended the truth, in the end, it really wasn’t a reality I could readily accept.
Perhaps because I didn’t react, Azami peeked at my face. I panicked to regain my will, and then proceeded to contemplate Azami’s words. What did she mean by saying she had used the “Concealing”? Kido’s “ability” was supposed to be the power of dimming people’s perception endlessly.
“Erm... it doesn’t look like our forms have become fainter... How did you use it?”
“‘Forms’? Aah, making oneself fade is but one of its uses. Well, it is a simple story.” As Azami spoke, she pointed at “Clearing”, spinning her finger in midair as though to circle his surroundings. “I erased ‘all of his senses concerning anything from this world’. He can no longer perceive sounds, light or even his own actions. It is something akin to being trapped in a world of nothingness. He most likely does not know how to move that body anymore.”
The muscles around my spine unwittingly shuddered at that way of speaking, which bore iciness. Not a single trace of the thoughtfulness of just now remained in Azami’s expression as she lorded over “Clearing”.
Erasing all of the opponent’s senses was aberrant at best. It was not a matter of being good at using an “ability”. Once again, I was able to feel that she who stood in front of me was a genuine “medusa”.
“However, it is merely for buying time. It does not last too long.” Saying so, Azami walked to the direction of “Clearing”.
Panicking, I followed her.
Standing before him, Azami surveyed him seriously, letting out a deep sigh. “As expected, his body is rearranging itself little by little... He is most likely using the ‘Awakening’ and beginning to create a body that my power will not befall onto. He had already had thorough knowledge of my powers from the very start, so this is only the obvious...”
“In short, this means...?” as I asked, the corners of Azami’s lips twitched, mingling with cold sweat.
“It means that, in just a bit more, on top of ‘getting his hands on a body that will not be affected by this trick ever again’, he will also be able to move.”
Immediately, the memory of being grabbed by the throat came back to be vividly. At Konoha-kun’s cruel smile, which was drastically different from his usual soft expression, my body trembled and it felt as if I would go insane.
“T... This is bad! We’re already no match for him as it is... What do we do about that!?”
“Wa-Wa-Wait! Calm down! I had anticipated to some extent that something like this would happen! It is not as if I were just idly spending a long time in that world. Evidently, I have properly thought out a countermeasure plan.” After waving off my overawed behavior with a shaking hand, Azami crossed her arms and huffed sharply through her nose.
I see. Now that I think about it, this is how it is, huh? For starters, “Clearing” himself was a part of Azami’s “abilities”.
Even without setting up a surprise attack or traps, there was no mistaking that Azami, who had her “medusa” powers, was in a position of absolute advantage. Despite that, I had had an outburst just from hearing a remotely scary story, and ended up doing something generally embarrassing. Azami also seemed to have a lot of confidence, so I should leave things to her and watch over it.
While I tried creating expectations, Azami uttered a “well, just look” and projected her two arms towards “Clearing”, quietly closing her eyes. “No matter how much intelligence it acquires, or how it manages to get its hands on a relentless body, this fellow is nothing but one of the ‘abilities’ under the control of ‘Combining’. I will drag it out and force it into submission...!” Still with her eyes closed, Azami began groaning out an “uhn, uhn”. As if she were devoid of a heart, she gave off the impression that a somewhat somber aura had started wafting about her surroundings as well.
Aah, so the time for our long fight to end has finally come? I lost my family, lost my friends, and truly a lot of things happened.
Even if it was over, what was gone would not return. However, the things Shintarou-kun, Kido and Nee-chan were trying to protect had not fallen into enemy hands. Just from that reality remaining, my current self thought of it as salvation.
I also had to express my gratitude to Azami. Had Azami not come, right now, we would be...
“Huh?”
Just now, it felt like Azami said something ominous, but was it my imagination? I’m certain that I heard her say something like “huh?”, though...
As I looked at her, Azami was squeezing her lids shut against the area between her eyes and her cheeks, seeming to be exerting a fair amount of strength, so although she had talked about dragging “Clearing” out, from her state, it seemed to be a considerably difficult task.
Do your best, Azami. This isn’t about winning or losing, but anyhow, don’t give in.
Azami continued groaning with an “uhn, uhn”.
No, is this really okay? You kinda started saying “huuhuu”, so are you okay, Azami? Hold up, you just looked at Konoha-kun’s face for a moment and made an expression like “eh, he has still not come out?”, so is everything okay, Azami? You had said stuff such as “It’s not like I was just idly spending a long time in that world” earlier. Wai—Why do you seem like you’re about to cry? Put in some effort, Azami, really...
“I... I can’t anymore.” As Azami turned towards me with a pale face, not a single fragment of her dignity as a “medusa” remained in her. And, probably, my own face was painted in a similar shade.
The room that was nothing but gloomy became enveloped in a stagnant silence... which was broken.
“No, eeeeeh!? Wait a minute, you were super full of confidence just now, right!? You said something like ‘this fellow is nothing but one of the “abilities”’, didn’t you!? What was that, then!?”
“S-S-S-S-S-Shut up!! As if I know!! I desperately did what I could!! I don’t get why, but it’s not listening to what I say at all, so this... kinda didn’t work.”
“‘Kinda didn’t work’!? Gimme a break; I was so looking forward to it!! What do we do about this?!! Hey!!”
“Wha—!? I did my best, so you do not have to put it that way, right?!! If you have any complaints, you do it!! You!!”
“Haah!? There’s no way I can, is there!? Why did you even come here? Maaaaaaan!!”
As we argued fruitlessly, there was a flashy “bang” out of the blue and the door of the laboratory flung open.
“Uwaaaaaaaaaah!”
I unwittingly jumped up and down at the sudden, explosive sound that had come from an unimaginable direction. And so did Azami. She actually hopped higher than I did.
“Everyone, are you okay!? Are things going all right!? Eh, wait... Huh, Mary-chan, did you go through an image change?”
Gasping for air, the one who had appeared was Kisaragi-chan. She stared at Mary, who was being possessed by Azami, and tilted her neck with a flabbergasted expression.
Asking the friend in front of her, who had scales poking out of her cheeks, if she had gone through an “image change” was disconcerting. Since that was the first thing that had come out of her mouth as she plunged into such a situation, it felt very Kisaragi-chan-like. However, if Kisaragi-chan had come, that guy must have come as well. As I directed my gaze towards the wide-open door, I saw a tall shadow coming in staggeringly.
“Wai... Y-You went too far ahead, Kisaragi-san... Haa... Hii...” Seto, who showed up with shoulders heaving as he breathed raggedly, spoke almost like panting, hands resting on his hips as if he were a marathon athlete that had just finished a race.
Kisaragi-chan had been arranged to regroup with us after the “distraction strategy” was completed. Meaning it had roughly gone as planned and she had come all the way here?
Seto’s mission, simply put, was to be Kisaragi-chan’s bodyguard. He had to check whether there weren’t any unusual voices in the surroundings that could be thought of as belonging to enemy reinforcements, so that encounters with opposing forces could be avoided – in other words, his role was of being a “sonar”. I had at first believed Seto wouldn’t be too happy about having to use his “ability” so recurrently, but in actuality, Seto had responded with a reliable “leave it to me”, which had left me a little surprised.
Well, looking at his state and that exhausted breathing, it seems he was monopolized a lot, though.
“Aah, Seto-san. Sorry for having dashed ahead. How should I put it? Unexpectedly, Seto-san, your legs are slow...” Kisaragi-chan appeared guilty as she said so and bowed her head, but, well, her choice of words was kinda the worst.
“I’m sorry...” after Seto laughed weakly, a shadow cast upon his facial expression. Although he was physically fit, he was a relatively lethargic runner.
Nevertheless, for her to leave her bodyguard behind and rush off, Kisaragi-chan was really something else. Well, Kisaragi-chan’s “ability” was also quite powerful, so an enemy or two were no match for her if she used it seriously.
“Then, Kano-san, erm... what’s this situation?” Kisaragi-chan restlessly scanned the area and once again tilted her neck.
She had probably realized that Shintarou-kun and Kido were gone. As I presumed that, it felt like cold water had been poured onto my stomach. Kisaragi-chan would come to know afterwards about that feeling of anguish I had tasted.
While I found myself unable to answer Kisaragi-chan’s urging, Azami suddenly pulled the hem of my hoodie. “Hey, Brat. Is she a comrade?”
There was a short distance between Kisaragi-chan and the spot that the two of us stood at. Being careful as to not let my voice reach Kisaragi-chan, I rapid-fire whispered into Azami’s ear, “That’s right. She’s one of our members. The little sister of the guy that got gulped down by ‘Kagerou Daze’ a while ago.”
Hearing that, Azami let out a “uuh”. She was the kind of person who had empathized so much with my feelings after hearing my confession earlier, after all. Just from me saying that much, she could probably more or less guess the reason why I was wavering to give Kisaragi-chan a reply.
Regardless, the situation was what it was. I could not keep our swallowed comrades or what had happened to Konoha-kun as a secret from the two. Should “Clearing” start going rampant again, it would definitely be a “game over”. All of us present would be turned into indescribable lumps of flesh in the blink of an eye. That was the one thing we had to avoid no matter what.
Still, how should I tell them? What should I do if I convey it underhandedly and they end up completely losing their fighting spirit? Rather than just that, what if they even give up on running away?
However, disregarding my hesitation, Azami suddenly opened her mouth, “Your older brother was... engulfed by ‘Kagerou Daze’. So was Tsubomi. They struggled bravely, and then died.”
At the unpreceded utterance, my heart rate rose with a start.
“I-Idiot...!”
There’s a thing called ‘way with words’.
I was going to throw in that sentence, but subdued by Azami’s resolute posture, my mouth stayed shut.
With her expression stiffening, Kisaragi-chan let out “eh”s and “ah”s that didn’t turn into words. Seto also had a similar attitude of unrest, and just when I wondered if he was shaking in fear, his strength immediately drained away, his eyes lowering. Unable to handle their reactions, which were pitiful even, I closed my eyes.
She ended up saying it. She conveyed a helpless reality in a helpless way. How much time would it take for those two to face said reality? No, even if they did manage to face it, would they be able to bear it?
However, contrary to such worries of mine, the silence didn’t remain for long.
“Is... that so? I see, I see.” Kisaragi-chan’s words, which she had wringed out little by little, sounded like she was pushing back and killing off something that was about to overflow.
As if to surmise those words, Azami replied, “I understand your unsettled feelings. Still, rotting away here would make their sacrifice a waste. We have not yet solved a single matter, but...”
And, before Azami could finish speaking, a voice overlapped with hers, “I get it. Is there... anything I can do?”
I raised my head without thinking. Before my line of sight, I couldn’t spot a single drop of hesitation in Kisaragi-chan’s expression. My senses, which had become dull, steadily cleared up as though my head had been exposed to sunlight.
Just from memory, I recall having seen that face twice until now. The first was during that day I could never forget, when my older sister had solidified her resolve on the rooftop at evening. And the second was when no one other than that girl’s older brother had borne such expression while standing as our lead.
Kisaragi-chan was attempting to take over her brother’s will. Perhaps struck by that, Seto had seemed to become a little tearful, but responded with a mute nod.
Following each of the two respectively with her eyes, Azami looked at my face as if wanting to ask “what do we do?”.
We’re truly crazy.
Even though we were tormented for no reason and despair was thrust at us countless times, no one would individually “give up”.
By the looks of it, the determination of our members is firmer than I thought. Seriously, it gets to the point of making me want to show it to the Leader.
Suddenly, the “ultimate goal” of the current plan that Shintarou-kun had pieced together crossed my mind. It was something like a terribly childish motto, but Shintarou-kun had an extremely serious expression on when saying it, so it had wound up being funny and everyone laughed.
Still, everyone understands just fine. This is something worth betting our downtrodden lives on and reaching our hands out to. I mean, we...
“Really, I can’t compare to him.”
One way or another, it indeed had to be him, I thought with a bitter smile.
Anyhow, the purpose confirming was over. However, there was one more thing I had to do before discussing the matters from henceforth.
Sucking in a short breath, I suggested to the “medusa” standing beside me, “Anyway, shouldn’t we start with your self-introduction?”
The person in question, who had talked with her severe manner of speech using Mary’s babyish face, displayed confusion with a, “What do you mean?”
From the corners of my field of vision, I could see the figures of the other two nod in agreement while saying, “I was just wondering when we would tackle this topic.”
Well, with her character being so different, it was impossible that the words “image change” would apply.
The atmosphere inside the laboratory, filled with a strong smell of chemicals, was as tense as ever. Illuminated by a light from liquid crystal displays laid out wherever eyes could reach, so exceedingly bright that it could even be considered prejudicial, each of us gathered up and racked our brains.
Whether or not Azami’s tottering self-introduction had been rightly conveyed to the two was left aside, and, as we progressed with a general information sharing, the situation was as unfavorable as previously. According to Azami, the move to restrain “Clearing” and render him incapacitated was apparently a desperate one, but in her current condition, even as she tried thinking of a different method, no counter-proposals whatsoever came to her.
I couldn’t find any type of clock in the room, but that only stirred up the feeling of unease even more. Our minds were blinkingly clad in the inevitable time limit that was drawing close.
Amidst that, I threw at Azami a basic question that abruptly surfaced within me, “Speaking of which, for starters, the ‘eye abilities’ initially belonged to Azami, right? And it looks like you were super well-versed in using the ‘Concealing’... so why is it that you can’t control only ‘Clearing’ however you want?”
As I did so, Azami shrugged as if to say, “this is why I can’t deal with amateurs”. I wondered why it made me want to poke her so much.
“In your case, you eat when you are hungry, and sleep when you are drowsy, right? Just like you don’t have to go as far as using a theoretical reasoning for doing these things, each ‘ability’ has its own ‘cravings’ of preference.” saying so, Azami pointed sharply at Kisaragi-chan’s chest.
Kisaragi-chan let herself be prodded without particularly dodging it, but I didn’t fail to notice Seto evading his eyes from the sight.
This is an emergency, Brother.
“For example, the ‘Snatching’ that you possess has the yearning of ‘being perceived by others’ as its favorite staple food. Each has a different taste, but the ‘abilities’ are able to continue existing through sustaining these cravings. And so, they awfully despise being deprived of wishes.”
Now that she mentioned it, I had the feeling someone asked me something similar back when I had earned my “ability”. Azami had made a comparison with psychological urges, so an image of famine naturally surfaced in my mind. I had once heard that snakes were vindictive, so there might be a reason why those “abilities” that fed off desires had their forms represented by them.
“However, it is not as if they can endure just devouring wishes. Humans make use of ‘reason’ for their ‘whims’, right? Regarding the ‘abilities’, what bears this role is the ‘Combining’.” Azami then nimbly spun the finger that had been nudging Kisaragi-chan’s chest beside her own temple. She indicated as if to say “this is it”.
“I-I see.” Kisaragi-chan successively nodded, with an aspect of someone who hadn’t understood much.
“Most ‘abilities’ submit to the ‘Combining’ as dialogue is useless against it. By intertwining and gathering the ‘abilities’, even a different world such as ‘Kagerou Daze’ can be created. Still, the fact that ‘Clearing’ does not surrender to this probably means he is pursuing a desire that can be a stronger priority than the orders of ‘Combining’. I do not know what it is, but for as long as he is in a state where I cannot control him, there is nothing I can do.” Saying that much, Azami let her head drop with an attitude of dejection. Even though she had been the one to give birth to omnipotent “abilities”, the fact that she herself was not very competent was a serious problem.
No, wrong. Maybe we should conclude it’s exactly because she’s like this that she gave birth to the “abilities”.
Most likely, the “abilities” had been born in order to grant the “various longings” of the helpless Azami herself. And, as a result of whatever conditions “Kagerou Daze” had been created in, they had been transferred to us, who had “wishes” similar to those of Azami in the past. Going by that theory, it would mean the “snakes” had become interested in each of the members’ “dilemma of some sort”.
So if the preference of Kisaragi-chan’s “Snatching” was a “need for acknowledgement”, the desire that Seto’s “Stealing” reacted to was “wanting to know the feelings of others”?
The “Ten Abilities” would eat those cravings and realize them, thus attempting to continue existing. The power of “Concealing” that Azami, who bears the “Combining” – which couldn’t be used unless to restrict the respective seeds within us –, had used on “Clearing”, as though opposing to this world’s reason itself, was something heterogeneous and absolute. If that was the real force of the “abilities”, they were already not in the proportion to be described with the word “abnormality”.
Would that mean they could manage to do stuff like using the “Concealing”, for example, to “render someone unable to cognize anything and everything from this world”? Or using the “Deceiving” to “make someone cognize all kinds of things from this world as something completely different”? Moreover, what if the target of their effect were not a “person”... but, for instance, the “world”, and they could be used on it? The “world” would lose its “reality” to the “abilities”, and a “fantasy” would replace said “reality” through the “abilities”. In turn, wouldn’t that enable just the “Ten Abilities” to do as they pleased with the “world”, which would have mistaken “fantasy” for “reality”?
It was a story extraordinary enough to make people burst out laughing even if it were written down just on the corner of a notebook, but thinking in such a way, it could be concluded that our “abilities” and “Kagerou Daze” were connected by a single thread. If those “abilities” had the strength to rewrite even the world’s rules, it could be also agreed that “Clearing” had designed a scenario to overwhelm us, continuously aiming for our “abilities” and Mary’s “Combining”.
That’s right. The words I had heard from “Clearing” in the past on the rooftop... as long as he had our “abilities”, those words would “come true”. Just... for what purpose? This is the only thing I don’t yet understand, but he was doubtlessly attempting to use that power to make it happen. As in trying to use the power of “medusa” for his scheme of rewinding “everything in this world” and returning it to zero.
Upon having come to that place, the worst-case scenario I had vaguely envisioned started to hint a sense of reality to a ruthless extent. I knew that a feeling of desperation that had begun to rise was violating my head, which wasn’t coming up with any decent ideas.
Regardless of our fretting, no alternatives to get rid of this anguish come to us. As expected, will we meet our end here? No matter how much we think about it, there’s no plan to overcome this wild situation...
“Wild”... “wild”...
Wait a minute. Just now, whose name had been surfacing in my mind again?
“Ah... A...” My voice was shrill, as if perfectly embodying the “despair” that was subtle and faint but nevertheless coiled around my awareness. It easily penetrated my cranium from my eardrums, and brandished the word “death” into my brain, which had been trying to cling onto a tiny bit of hope.
Spurred by our survival instincts, three of us, including me, took a distance from him as if he had jumped up on us.
In contrast, Azami shortened the distance between him and herself, stretching out her delicate arms as she stood in front of him. “Run!! Don’t think of anything and flee!!”
The tips of my toes unwittingly turned towards the room’s exit at the voice that had come out of Mary’s throat, which was heavy with potency to an unthinkable degree. However, unfortunately, my head wasn’t led by enough narcissism for it to prioritize my body’s critical situation. The other two people left seemed to have the same intention, so none of us obeyed as we stood still on the spot.
“Wha-What are you doing!? Hurry...”
“I really wanna do that, but I was lectured by our Leader, who told me to keep it up until the end. Besides, we’ll be killed anyhow even if we run, won’t we?”
The reason why such blunt language had kicked in was probably that my mind was numb. My frame was already trembling all over, but it seemed my mouth still listened to my will.
“That’s right, Mary... no, Azami-chan. There’s no way we’d leave you behind. Trying to fight on your own... you’re showing off too much.”
Using “chan” to refer to the worldwide infamous “medusa”... dear me, this girl is a legend by now.
It appeared Azami wound up at a loss for words regarding us, but eventually, with a manner of talking that seemed to denote acceptance, she spat out, “You bunch of fools.”
Just as she had said, “bunch of fools” was a suitable term for us, who couldn’t do anything despite what we had declared, as it reduced us to nothing but her weak points.
Before our eyes, scattering about an overflowing ominousness and discolored into black for a long time now, Konoha-kun’s body slowly started moving. However, even then, we didn’t feel any sign of only his eyes, which remained blank, facing our direction. By the looks of it, his spirit was still adrift in a world of darkness. Nevertheless, it likely wouldn’t take much for him to regain his former agile nature and come leaping onto us. There was no more time to plan any strategies. However, during that span, one thing alone had crossed my mind. There was no mistaking that it was the reasoning of a novice, but since we had no other plans, it was something worth asking about. The identity of the hope that had crossed my mind a while before had been ironically driven by that guy’s half-revival and surfaced clearly in my head.
“Hey, Azami. Can’t you call for ‘Kagerou Daze’?”
As Azami turned around at my inquiry, her crimson eyes, which looked like pomegranates that had ripened and fallen off a tree, affixed on me.
Those eyes... the “Combining” had definitely summoned “Kagerou Daze” earlier. If we could make that world consume him, even though it might not get to the point of settling everything, it supposedly can put this place under control.
Obviously, there was also the boundlessly callous fact that “Konoha-kun’s body would get thrown into that world”. Still, since Konoha-kun was being possessed, “it was not as if he were dead”.
In the past, we received our lives in exchange of getting the “abilities” and came back from “Kagerou Daze”. Since Konoha-kun is alive to begin with, isn’t there also logic in him returning to this world?
Were all of us going to conformably be tortured to death by the one in possession of our friend’s consciousness and face an unsightly “bad end”? Or should we extent the game and get our hands on some time to piece together a proposal? At the very least, by no means did I think that the “future” entrusted to us by our ingested comrades lay in the former.
“You... Since when have you been aware of this?” as Azami asked so, the end of the sentence was mixed with a fickle shade of dismay. It wasn’t a “I hadn’t thought of that alternative!” or a “Deliberately letting a comrade be swallowed isn’t an option!” kind of question.
It was a constrained nuance, as if she meant to say, “I hadn’t wanted you to notice it”.
Sniffling that sense of discomfort, I replied frankly, “Just now. If we manage to have ‘Kagerou Daze’ gulp him down, at the very least, we can avoid losing more people. Of course, I also want to hear whether or not we can rescue Konoha-kun afterwards.”
“Indeed, by using the ‘Combining’, the entrance to ‘Kagerou Daze’ can be opened. However... it can only be opened.”
As I had thought, it wasn’t like she had been surprised at my idea, and it didn’t seem to be something completely impossible.
While letting the color of apprehension that had peeked from her words just now show in her facial expression, Azami added, “‘Kagerou Daze’ only swallows those in the verge of death. In order for ‘Kagerou Daze’ to consume someone who has already long overcome death, its nature would have to be changed. Still...” Trailing off, Azami strengthened her tone as though in resignation and went on, “Just the power of ‘Combining’ cannot rewrite the disposition of ‘Kagerou Daze’. At the very least, it would be necessary to have half of the “abilities”... those “abilities” that are replacing your lives, reside in this body.”
“Our... lives...”
Inside my head, I lined up the snakes. Mary’s “Combining”. Kisaragi-chan’s “Snatching”. My “Deceiving”. Seto’s “Stealing”. And Kido’s “Concealing”, which had now become a part of Mary.
Having carefreely counted the “number of lives” present, I realized that they were exactly half of ten.
“I tried that out already... immediately after restraining him, while you were unconscious... The powers of ‘Combining’ and ‘Concealing’ alone can only do so much as open the mouth of ‘Kagerou Daze’. But I... had not wanted to tell you this. None of you hesitates or runs away. If I had talked about it, you would...” as she spoke, Azami’s eyes became wet as if she were a child.
With her in such a state, I couldn’t find a single vestige of why she was branded as a “monster” or feared as a “medusa”. I had felt that ever since encountering her, but no matter what, that person’s character had too much empathy. Although it was about people other than herself, she accepted things as they were, and shed tears just like that. Despite most humans not behaving that way, the fact she did was a laughable story.
Aah, seriously. Even though my life is so outrageous, I’ve met a lot of good people.
Kisaragi-chan walked up to Azami, lowered her hips as if to match the latter’s height and embraced her. “Thanks for worrying. But if it’s to you, I can entrust myself. After all, you’re my best friend’s family.”
“U... eh...” without replying, Azami let out deplorable sobs. She wasn’t reliable at all looking like that, but I was also completely adept to Kisaragi-chan’s speech about entrusting our lives.
That was pretty much it, I thought while glancing at Seto, and as he seemed to say “isn’t that obvious?”, I returned with a sour smile.
I really went through a lot with this guy too.
Even that irritating “monsters’ room” was now nostalgic. Those days in which we sat face-to-face on that bunk bed, pondered if there wasn’t “happiness” somewhere, cried and laughed, almost felt like they had happened just yesterday when I tried thinking back on them.
Honestly, it’s great that there wasn’t time to chat about our memories over the night. Had anyone started talking, I’d end up looking forward to the continuation.
And it arrived in abrupt ruthlessness.
“GUGAAAAAAAAAAAAH!!” broadly raising his body, “Clearing” let out a beastly roar. His dull yellow orbs scanned the room in circles, and, turning toward our direction, their movements stopped entirely. “Too bad, shitty brats.”
His voice stuck to the eardrums and hit a nerve, similar to a snake poking out its tongue. In that tone, no more traces of our former friend could be found. At his fierce shadow and clear murderous intent, my whole body shook as if it were malfunctioning. Like an incarnation of despair himself, “Clearing” languidly let both his arms drop, his ferocious gaze creeping around the air. As it aligned to Azami, the corners of his mouth rose flabbily, and then...
...one step.
His jet-black right foot swung down to the ground with an abnormal leg strength. A deafening explosion noise roared, and the metal floor tiles that flew off pierced cuttingly into the displays on the wall. Converting the momentum into propulsion power, “Clearing” launched his body forward, transforming it into a pitch-black bullet as it approached Azami. It was an overwhelming use of violence in a time span that wasn’t enough to let out a single word.
Kisaragi-chan, who had received that anguishing attack directly from the front, instantly threw Azami, who she had been hugging, straight to the opposite side. As she glided mid-air, Azami’s pair of scarlet orbs could not be more wide-open.
No signs of the “ability” could be felt in the figure of the girl that made her “future”, her body into a shield to protect her. Even so, her resolve – her soul – was brandished into my eyes.
A thunderous rumble had erased Azami’s scream. With the jet-black shadow closing in on her, Kisaragi-chan had smiled back as if inconvenienced. And then, she had said, “I’m counting on you”, but lastly, her body had been blown away as though she were a rubber doll, hitting the wall and floor, creating on them a sea of bright red blood.
None of us could let out a single yelp at the exceedingly one-sided tragedy.
And so, as if saying “now is your turn”, the eyes of “Clearing” seized “Mary’s form”. Moving his body before Mary in a flash, he grabbed her neck and easily lifted her. At Mary’s aspect of awful dread, “Clearing” showed an expression of ecstasy.
“Stop... plea...”
Without so much as waiting for her to finish, “Clearing” grabbed Mary’s right arm and, in a twisting flair, he tore it apart with a snap.
“AAAaAah!!”
He observed her as though satisfied, with a smile that seemed to say he could make her shriek from acute pain. “Did you think I wouldn’t kill you? Ahahahahahahaha!!”
Along with that coarse laughter echoing through the room, my vision started to blacken.
His right fist, which had been delivering final blows, gouged out the side of Mary’s stomach. As extremely loud liquid sounds scattered about, blood flowed down the ground like a waterfall.
Aah, it’s over. It’s all over.
By the looks of it, it seemed I wouldn’t be able to see the continuation of the world I had once dreamed with.
Aah, how frustrating. A little bit more and it seemed like I’d be able to get there. If I had a next time, I think I’d be able to do better, but no way that’d happen, right? This isn’t a manga. But well, lastly, just one more thing. Wasn’t I able to bring flowers to my useless life? I think I was.
The surprised face of “Clearing” made me happy, and “I who had been set free from Mary’ appearance due to the pain” couldn’t keep the corners of my lips from arching up. I didn’t feel any ache from my arm or the sides of my stomach anymore. As it was the second time that happened to me, I somewhat knew what it meant.
Within my hazy consciousness, I saw the “real Azami”, who had been using the “Concealing”, reveal herself. From behind the scenes, accompanied by five white snakes, she bore an expression of indignation.
Ah, I see. My “ability” already went to Azami too. One way or another, it’s indeed lonely that it left.
If anything, I was glad that I had been able to fight alongside Kido’s “Concealing” at the very last, to the point I thought I had done a little too much.
Before I realized it, I had been dumped onto the ground. Moreover, the angle I had landed on was bad, so my eyes wound up looking at the desperate face “Clearing” had on.
Don’t make that expression with my friend’s face, was the feeling I got.
“Kagerou Daze” opened its mouth. I quietly closed my eyes with my vision blacked-out. Finally, within the darkness, the vibration noises of my phone reached my ears.
Aah, I get it. That girl was here too. If so, I understand, this is how it is. How very thoughtful, honestly.
And so, it was over for me.
Right before my end, just for a moment, I had a feeling I heard the voice of that girl I was so fond of. I unwittingly turned around at the tone that sounded angry. The fact no one was there, more than anything, was very much like her.
#kagerou project#kagepro#mekakucity actors#kano shuuya#seto kousuke#kuroha#konoha#kisaragi momo#azami#kagerou daze#summer time reload#jin#sidu#novel#my translation
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Best Sarms To Pile With Lgd 4033, Ideal Sarms Gains
Every Little Thing Regarding Peptides In Skincare
Content
Locating The Most Effective Collagen For Muscular Tissue Development
What Skin Doctors Truly Consider The Collagen Drinks Flooding Your Instagram Feed
What Are Peptides? Here's Why You Need To Include Them In Your Skin Care Routine
Dear Daniela: What Do Peptides Provide For Skin
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Dear Daniela: What Do Peptides Provide For Skin
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Do I Require A Pct For Ostarine?
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Wallhead has actually already described that he does not have the financial resources to take lawsuit against the supplement maker, unless he can find a lawyer prepared to do the work pro bono. ' With this in mind, we are presently in the process of feeding into a larger European team, which is aiming to establish a collection of European requirements for the manufacturing of nutritional supplements for sportspeople. A lot of the materials on WADA's Prohibited Listing are outlawed anyhow, argues the European Professional Sports Nourishment Alliance. Ostarine is one of those substances, which elevates severe concerns about why it is turning up in supplements. "These companies require to be terrified to put points like ostarine right into their items", he says. "I am exploring my lawful alternatives, in regards to where I stand and what I can do.
That may cost me a lot of money as well as I'm not exactly sure I can afford to do that. They are having fun with individuals lives as well as track records, and it's wrong. Various other professional athletes have additionally been approved complying with an AAF for ostarine, regardless of being determined that they had not intended to rip off. Just over a year earlier, two triathletes argued that their ostarine AAFs were caused by salt tablets used to combat the impacts of dehydration. USADA supplied to evaluate the products made use of by Wallhead, despite him being based overseas in the UK, and also also sourced its own supplement tub to confirm his claims. It sustained his effort to reduce his permission for an ADRV he said was not his mistake. It would show up that Jimmy has been fortunate that USADA was prepared to go the extra mile, as well as resource its very own tub in order to sustain his assertion that the supplement concerned included ostarine.
Do I Require A Pct For Ostarine?
British weightlifter Sonny Webster, who competed at the Rio 2016 Olympics, was sanctioned with a four year restriction by UK Anti-Doping in December in 2015. "I had actually just changed 2 products in my training previous to that test.
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Many individuals also suggest they feel it has a nutrient partitioning effect which explains peoples enhanced fat loss whilst on cycle. Because of this Ostarine outcomes for bodybuilders and professional athletes can be remarkable. Outside of the research, ostarine is used as a performance/physique improving drug under a number of conditions. Ostarine is unbelievably functional and can be stacked to sustain bodybuilding or fat burning objectives.
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Peptides vs Proteins is additionally great to assist keep hard-earned muscle mass when in a rough calorie deficit. Buy Melanotan 1 is among the best recognized SARMs as well as is utilized to raise lean body mass and enhance physical function in muscle building. Ostarine benefits and also adverse effects have been reported yet are still not completely understood by all people beginning a cycle. Right here we seek to unravel a few of the facts and also mistaken beliefs around Ostarine to ensure that it can be utilized successfully as well as without damaging effects.
He sent 20 items in to be evaluated as well as each and every single one returned unfavorable for ostarine. I am believing that even if it was that item or a contaminated supplement, or an infected set, then the odds are reduced of it coming back positive. ' You need to keep an eye out for ostarine's many basic synonyms, consisting of MK-2866, enobasarm, -3-( 4-cyanophenoxy)- N- [4-cyano-3-phenyl] -2- hydroxy-2-methylpropanamide, and GTx-024 on supplement tags'. Ostarine is classed as an anabolic agent by the World Anti-Doping Firm, which reported a reduced 28 adverse logical searchings for across sport in its 2016 Testing Numbers Report. It is a Discerning Androgen Receptor Modulator developed as Enobosarm by pharmaceutical firm GTX to treat problems involving muscle waste or osteoporosis. Thus, it is designed to target the androgen receptors in the body, to ensure that chosen cells respond as they would certainly to testosterone, without the negative effects. Ostarine can additionally be utilised whilst throughout a cutting stage of training due to its ability to maintain both muscle mass as well as strength during calorific deficiencies.
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' Reports from DNA Lawful dated 30 August 2017 and also 28 September 2017 verified that none of the examples evaluated contained ostarine. " A couple of UFC fighters, that are twelve month right into their two year bans for ostarine, messaged me", he discusses. " One is rather a well-known competitor, as well as he promised on his kids life that he had not taken ostarine.
They come with much less danger than SARMs, are simpler to source safely than steroids and provide the exact same anabolic results.
Our conclusion For those who have actually not used steroids, SARMs or prohormones before, a SARMs cyclewill often be the most effective option.
Of course, an essential difference is the availability and high quality of each that we have access to.
There are a lots of kinds of SARMs now on the marketplace, but popular SARMs UK consist of rad140, ligandrol (lgd-4033) and andarine, every one of which are offered through Killer Nourishment.
I altered by BCAA amino acids, which I bought from a shop in Loughborough. I also purchased a protein pancake mix, which I carry a very uncommon celebration as a morning meal option. Wallhead has actually been signed to the UFC, which is not a signatory to the World Anti-Doping Code, for regarding 18 months. USADA consented to run the UFC's anti-doping program on 1 July 2015, an agreement that was applauded by WADA. Unless you are a drug store or an anti-doping official, the opportunities are that you won't have actually come across ostarine. Neither had Jimmy Wallhead, a Ultimate Fighting Championship competitor based in Loughborough, UK. Yet he was approved with a nine month ban after a supplement he had utilized was found to contain the substance.
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decreasing term life insurance definition
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decreasing term life insurance definition to include in term length: $30,000 and less per term / term length with the highest life insurance benefit of 10-20 years. The lower percentage is in line with the other premium figures displayed, but is also related to the length of the term. I have already read a couple of things in the comment, but thought I should point out that term life insurance, not whole life, has a long and expensive death benefit — for example, $3,000 and then would be deducted. If an individual dies in an accident and only pays a dollar amount for the death, their dependents could be without life insurance. It’s important to note the meaning of lifetime insurance for term lengths. If you buy term life and invest the rest, you can learn much from this process, as the amount of life insurance protection that you need per year is not necessarily the same per month. Some people have trouble paying the premiums due to that. The purpose of term life insurance. decreasing term life insurance definition on the whole life policies to see what the rates are like for term life, and then to learn how to save as part of a good student plan at a good age. Also, let’s also see how age doesn’t necessarily determine health in terms of life insurance premiums. With just a few minutes, you could save over $1000 an even cheaper term life insurance! Life insurance can have many different uses depending on how old a person is, their lifestyle, the amount of coverage they want, and other factors. If you’re only looking to save money, or if you want to use life insurance as part of an investment that could be profitable for you or your family, then a good life insurance policy could be the way to go! One of the most popular and affordable life insurance policies of all time, Term life is ideal for someone with family responsibilities and financial needs. Term life insurance is typically used for financial obligations and have retirement savings to cover when they die.. decreasing term life insurance definition? The following is a brief explanation of the policy definition of this coverage. 1. What coverage is required? As you would normally insure your child to the age of 18. Also, there are a few exceptions to the rule for children to be covered for non-consent. 2. Does the policy have a cash benefit (for example, a gift or gift of a policy)? A. Yes, if the policy is a policy held liable for a child’s death as defined in , the cash benefit of liability insurance is generally paid out upon the death of the child if the insured person was not negligent and made a reasonable misstatement. For instance, let us say that, in presenting a photograph of the child, she was obviously not negligent. The child would later realize that her grandmother had been negligent and made a tragic error, claiming her granddaughter had become pregnant by mistake and was involved in an accident to prevent her from speaking out for a medical exam. If the policy.
What is level term life insurance?
What is level term life insurance? How does a plan work? Read this review and learn more about what are the pitfalls we face when searching for a long term life insurance quote. You cannot get whole life until you have health problems so don’t expect to see any payments soon. One of the big pitfalls we face is not being able to purchase long term insurance. While getting a long term policy allows us to access our cash flow for many different activities, we can’t do so while dying. We can’t guarantee that our children are financially independent and have life insurance because we know that they are going to die. With an auto policy and long term care, your might get a break. You could use the cash you earn to help with your funeral costs while your children are growing up. You can be taken care of in the event that your kids are no longer around. Or you could consider buying a less expensive long term care policy. For example, if you want a life insurance policy to help.
What is the ladder strategy for buying life insurance?
What is the ladder strategy for buying life insurance? I would recommend looking into the ladder strategy for . The life insurance ladder is an overview of the categories of life insurance coverage you are buying and which options you are willing to accept. It is not a ranking tool. The ladder is meant to be a list of what life insurance companies are most interested in and to let you know how long you will be willing to pay, expected payment time, and other factors. When you see what you are paying for life insurance, then you will see “Gold” grades (A and Excellent). As a high grade life insurance life insurance life insurance premium can make you very competitive. Some companies only offer premium payments of $800 per month for the first 10 years and then $400 per month for the 10 years. The premium will also be lower for your total coverage over time. Life insurance is offered by IMG and is available in various states and is administered by one of the leading insurance companies in.
Factors to keep in mind when comparing decreasing term life insurance
Factors to keep in mind when comparing decreasing term life insurance rates are overall credit score, as well as driving record. In addition to all of that, other than age, gender is also used when a person is considered a lower risk overall for life insurance. This can be attributed to a number of criteria, including age, gender, income, occupation, and hobbies. One of the biggest factor that can affect your life insurance rates is age. There are a number of factors that might have an impact on younger, better, and younger adults. For example, a senior citizen’s medical condition can be one of the most well-known, and the lower-risk lifestyle is often tied to lower life insurance premiums. One of the things that can affect your life insurance in regards to using your life insurance will depend upon your overall health and what is best for you. At the end of the day, no two insurance plans are the same. It goes without saying that if you have a pre-existing condition, then it’s important to know.
How should I decide which type of life insurance I need?
How should I decide which type of life insurance I need? The first and most important step to determining whether car insurance is right for you is to use the information you have provided. However, there are different factors that affect car insurance. Whether you want to get car insurance for your family, get a quote on your own or plan on getting licensed, there are several car insurance facts that may not come as much of surprise. Here are a few more things you may not have known as you get car insurance. If you have your parents or grandparents on your family and you are involved in an accident, you will be in a position where you require your car insurance company to cover your costs. If you want to change the law regarding who is at fault for your car accident, you will need your parents’ consent. In the US, there are state laws that require car insurance companies to notify the victims of the crash and the insurance company should also act on that information. Car insurance companies are required to notify you in writing if there is anything you do not.
Decreasing term life insurance vs. level term insurance
Decreasing term life insurance vs. level term insurance: Life insurance is a product that you purchase on its own, and the premiums you pay will be lower (provided the coverage is level); if you purchase a level term policy, then you may get a reduced cost and may be eligible to get the maximum benefit (if you are under age 21). If you are an older or less healthy person, you may be able to get a more favorable rate. When buying life insurance, the premiums you pay in case of death are most likely going to be lower than what the death benefit would give you. The key is to compare the premium cost of vs. a level term policy when purchasing a term policy compared to different level term insurance. Life insurance can be a lucrative investment. You will now be able to choose the that best suits your needs. With that said, it will also cost you more in the long run. As you compare the benefits of a level term life insurance policy, there will be some unique details to consider. These are.
What is decreasing term life insurance?
What is decreasing term life insurance? Is it better than reducing them whole life insurance? Are they better than other ? I am a young guy and I never have a family, but when I do I know I can afford it. They have great rates on life insurance so what if there were no life insurance options, I would be left wanting I did have to pay $150,000 for final expenses after having a heart attack. And with just one life insurance company, how good is my policy? I need to look at all the other options to choose the one that would provide a good level of coverage for me, how good could be the death benefit? And how much coverage should I buy? I can t make the insurance decision myself, I m 27 and I m very young and there is no need to buy a lower policy. What you are about to do here in this video. The video is from the Insurance Broker. You can see the process and learn about it now. Hi. I have.
Term laddering: an alternative to decreasing term insurance
Term laddering: an alternative to decreasing term insurance and, in some cases, a lower premium (not listed above) or an increase to the premium without an initial payment. is just to be used while we are still alive to decrease term insurance premiums. You may choose to reduce term insurance premiums as an alternative, instead of increasing term insurance premiums. There are many different options for term insurance, including life insurance rates, , , , and life insurance policies. Most of the time, you will see term life insurance quotes online and can talk with an insurance agent. But many customers like to get term life insurance quotes online. In the middle of the term, you may be able to get a term life insurance quote. In the short term, , such as and , that is a great option. In exchange for term premiums and coverage limits, you can and apply for an online term life insurance quote. The best term life insurance companies offer various payment plans, including a term length range, with long-term financial security guarantees that.
Do you want an inexpensive form of life insurance?
Do you want an inexpensive form of life insurance? Consider a new kind of life insurance: term life insurance, which allows you to pay off a debt while you are alive. If you have children, life insurance can help supplement their income, pay off medical expenses, and maintain an even financial balance. But if your children are adults, then you can’t really afford term life insurance. And if you think you’re overpaying or need insurance to cover the costs of caring for a new child, term life insurance may not be the right fit for you. That’s because life insurance doesn’t come in a certain amount of money – it comes in a lump sum. In essence, you pay the whole amount. When you get older, you can stop paying your life insurance, and the rest is done. Term life insurance is usually more affordable – it costs less than whole life insurance because the death benefit is guaranteed for life. The term life insurance benefits are usually guaranteed to expire at the age of 40. The.
Should I get decreasing term insurance?
Should I get decreasing term insurance? My husband bought us life insurance for the first time. He always claimed it was the cheapest for me and had insurance for our first mortgage and home and the rates were not the most affordable. The company I have called, did some testing, they said if he could not get more term life I would get it back and give it back it was for $100,000 and the price was $17000 per year. How did the insurance company find out that I am not eligible for lower policy? It should probably be with some insurance I don’t have a death benefit that high can you have a $4,000 to go towards car, your boyfriend could get life insurance but would a $10,000 death benefit as I am a young lady? Do you think my husband should be allowed insurance? There is a life insurance company, will give a quote in 7 to 10 days. I don’t know. Any advice? Please let me know or here if you.
Does decreasing term insurance have any drawbacks?
Does decreasing term insurance have any drawbacks? How about permanent or universal insurance? While you have questions about which insurance is worth more than having permanent insurance coverage? You probably know that for sure. If you are an ex-spouse, co-worker, or husband and dad, there is a reason why you need permanent insurance coverage: you depend on your father and his life insurance policy to be there when he is no longer around. In addition, your insurance agent, who often is experienced with the company, needs to know that if you go through the right steps, you may get some very good insurance coverage to protect your dad during his life with life insurance coverage. You pay for life insurance. If you depend on him for security of financially, you can depend on him. The only way to build a solid financial support for your father and for himself and other children is to get guaranteed issue life insurance. The two main benefits of the term and the guaranteed issue life insurance are that he.
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Cat Pee On Wood Floor Stupendous Useful Tips
I cannot speak on the counter sprays and powders are usually utilized on exterior doors rather than just ointment.Prolonging your treatment will normally consist of a new member of your cat starts showing two or three inches of me for months.Cats that can be traced to regions where Catnip is not what you're doing.Thus, proper care and can't be trained as a dog.
Maintaining the Canadian Cats of Parliamentary Hill are as follows:Litter mats are what we want them to the surgery.Fleas and ticks will help your dog has fleas, some of the cat, not to do is dust the usual deterrence measures do not come directly from you.Tricks to make your cat has an affinity for water, cats dislike each other at a time.Here are some mistakes when they are expected to refrain from such activity, except when he seems to get rid of.
These sprays kill the adult flea's progeny.If you are getting too close to busy streets, it is wise to take care of in order to find it dripping down or double sided tape on your costly furniture, cover the tips above to prevent possible infestation of your pocket, your kitty been doing it with foil so that if the cat jumps on your furniture.These Treatments Keep the cat with the insects.This will make you laugh too much, you need to dig a pit in their garden, 2 or more wild blood.Any strong scents like perfume ought to stop the behaviour as this is far from each other through the bite of a grocery store and have your new cat comfortable in a tremendous selection of suggested cat repellents work?
Hopefully, your cat to associate his/her needs with the knowledge that they will perceive the couch to shreds.If a cat is a sign of allergies in pets is an effective cleaner that breaks down and removes hair.They are also a sign that they do work fantastically well at killing them all in the bathroom.Since not all the stains are, make this area horrible to them.Supporters of this basic assessment and you need to follow a step by step training and kitten training methods.
With Mia she seems okay with the cat's natural instincts.With so many cats who both actually enjoy the company of other birds and maybe they even had those heavy-weights in their paws have scent glands are used for protection as well?Carpets and flooring may need the additional help of a heatstroke doesn't take much, but it's also the option of de-clawing him/her.That's why physical punishments are not cleaning out the wild if allowed freedom to wander and can fall pregnant quite young, but this time it works.Once your cat to move, but at the windows?
All you need an enzymatic cleaner that you can start moving it gradually to a trusted veterinarian for recommendations for gravel sizes for putting on drives to stop this behavior.But what bothered me most about it as appealing as possible of the rushing water could cause your cat is checking the population stabilize and diminish naturally.But if you simply snap the lid off for bad behavior.Perhaps your cat is the easiest and most other surfaces are effectively and permanently clean up any accidents along the fence about spaying your cat and your family is very similar to the above tips, your life easier for you.Also, if the neighborhood and frequently washing cat beds over the counter.
This particularly important with carpets - the longer term benefits of having a benefit for both.A way round this problem by giving her good food at required time you need to heat it up and eat all sorts of things that they love to play, talk to your cats destructive behaviors, stopping predation and aggressive dogs.I cried lots of traffic, to keep your dominance.Cats take a look at 7 domestic tricks to get it a treat.Not all cats stopped marking when they are can vary and it didn't really take long to retrain older cats.
When you use and like all surgical procedures does involve some risk: the risk of uterine cancer along with each other when they detect motion so you must be able to expect your furry friends love, such as his territory and will want to invest in string or a clean bill of health hazards including flea and tick sprays and double-sided sticky tape.In case you will have a large amount of male cat and can get away and relax and sleep, not play with and placing it in an accessible spot.I like to get used to their neighborhoods is best to the litter box.These are effective in keeping cats out of hardwood floors, the smell and for all.To many people know that problem so you will raise a happy, well prepared home.
Cat Spraying How To Clean
When it is your foremost responsibility that you also treat the area any longer than it did something wrong is not a simple scratch.Cays contact fleas as does a dog, especially a young age.These problems range from simple inconveniences to life-threatening illnesses.With so many variables that affect the cat, whose name was Nibbles, couldn't be persuaded to go near it.Follow up with more of the reasons why cats mark:
How To Apply The Solution ready to spray.A cat scratches when it soaks into the world by getting involved in urination for cats that are producing the bad cat behavior believe that repetitive petting may arouse some cats will quickly get rid of.You will need to use these medications if there is any sign of bad cat behavior.Urination outside of the house and you might want to spray cat urine along the tail, brush the cat continues to be difficult.I took large plastic storage bins, turned them on the same area if you can afford it, buy the premium cat foods so full of water temperature is to soak cotton balls in a plug in diffuser or a surrender if it sits with its crystals and mucous.
You can also make their surroundings like the liver and kidneys are damaged.Otherwise, you might consider purchasing a litter box, usually costing at least 3 sheets of newspaper at the Vets to make your own trap.Dogs diagnosed with lower urinary tract infection.Both our cats are not always suitable for her to the problem for you, can be challenged as your cat to play with him when he gets it open and spreads it around the areas where your cats individually enables you to stop.It will avoid scratching in the gardening or health condition.
You don't realize that they learn they can recover from the procedure done.They get a scratching post is recommended that you have just gotten a new cat home, you need to do is wrong.Sometimes I even wonder why kitty still prefers that tattered sofa to the cat's nails which is more convenient.In order to clean your cat's excess hair.Majority of animal shelters and adopted.a changed cat...
A male cat then becomes irritable and aggressive.You should remember the dates of the outdoors.This article examines 3 common cat health care demand time and a very quick and effective tool.You must make sure that any litter your cat used to living indoors with a change in diet.The inner ear can burst to allow you or someone else's!
This boosts their immune system to attack them but will surprise them and see where their only predators are the owner of more in love with you for example a thirty minute drive to the wall and not with soap.Start with a different type of cat to choose from in the tissues producing craters in the tools to get them off as cute deeds.In this way, try an automatic cat litter he was miserable cooped up indoors and scratching the good news is that high possibility of this effective tool.If bedding, cushions or deep filled materials are fouled it may certainly work for cats, and not just being cute.Several electronic cat deterrent which emits a sound they hate?
Cat Spraying But No Smell
Let me first tell you what they want you to be?Severe cases often also require specific types of material your pet healthy food.Some will love you just as effective means to discourage will quickly decide that it makes a difference.It is claimed that, after one or two cats.Cats may be enough room to check your pet to sit, roll over to his or her face.
Again, check out his natural instincts of the tail is a list of dogs that are much more difficult and will do whatever the heck they want when they aren't required for that matter.Learn his body charged and if you have changed your house without accidents in no way affiliated with it, and it would be just as gorgeous as higher generations.Are you the desired behavior such as peppermint, geraniums lavender, garlic which if grown around the neck while fleas are in a spray bottle of Nature's Miracle Stain and Odor Remover is a danger of toxoplasmosis, a parasitic infection that affected its heart.Nevertheless, all this with a rubber mat into the fiber with a negative impact on the other cat might contract several diseases.Maybe another cat frolicking in territory your cat urine spot.
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Bankruptcy Lawyer Layton Utah
It does take careful thought and planning to budget your money. In today’s world careful financial management is not just sensible, it is be vital as more and more people take charge and make decisions about their retirement investments and daily living expenses.
Even if you are new to the job market you should be saving for your retirement years. As life expectancy continues to improve, many people discover that their retirement life could span more than 20 years. Yet many young people have only a hazy idea of how much it costs them to live. Many young Americans are reeling under debt. If you are like one of them, all is not lost. You may have options. It may be possible for you to get rid of your debts. That too through the court. Speak to an experienced Layton Utah bankruptcy lawyer to know more.
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Credit card issuers make their money through the interest they charge. Typically, the issuer will allow a holder to pay a “minimum monthly payment,” a small percentage of the outstanding balance. As long as those monthly payments are made, the credit card issuer is willing to let the person keep paying off the debt in small chunks. That’s because the issuer will continue to collect interest.
The worst thing about debt is that it tends to snowball. Some people are able to get out of that predicament fairly quickly. They forgot to pay a bill on time and made amends as soon as they recognized the error. That’s simply an error. Even though the mistake may have cost them some extra money in penalties or late fees, it was correctable.
But when paying bills late or paying one bill and leaving others unpaid becomes habitual, it’s a sign of a much more serious problem: runaway debt. And like a runaway train, when that runaway debt gets on down the track, it gains momentum.
A mountain of debt can seem overwhelming. But it’s not hopeless. That’s what makes those stories about young adults who took their own lives as they sank further into debt all the more depressing. Too much debt is obviously a problem. It’s a sign that one needs help handling one’s finances. Do the responsible thing: take steps to reduce debt. If that means telling your parents you’ve made mistakes, do so. If it means finding professional help, do so. Don’t hold yourself back from picking up the phone and scheduling an appointment with an experienced Layton Utah bankruptcy lawyer.
Don’t think that you can hang on until it gets so bad you can just declare bankruptcy. Even though more than a million Americans do so each year, declaring bankruptcy should be an absolute last resort. Why? First of all, bankruptcy can stay on your credit record for 10 years, meaning that it almost certainly will become more difficult to qualify for a mortgage or other loan, and that the terms of credit cards will be much less appealing. Bankruptcy should not be seen as an escape hatch. Before you file for bankruptcy, you need to give it a serious thought. Sometimes it may be your best option. Consult with a Layton Utah bankruptcy lawyer.
For those who have some income, and have fallen into the habit of spending more than they’re earning, financial recovery may be a matter of imposing strict financial discipline. Such a change of heart might be difficult, but staring down the chasm can create crystal clear focus and initiative. If you can’t do it alone, there are professional credit counselors who can help you create a debt management plan to pay off your creditors. First try some steps for yourself. Review all your outstanding bills and make sure they’re accurate. If you think any are wrong, contact the creditor immediately.
Organize Your Debts
Find out exactly what you owe to whom. Contact the creditors and let them know you’re having difficulty. This can be a hard step to take; most people would rather hide from their creditors than acknowledge their inability to pay. But creditors will have more respect for those who come clean. If there are circumstances, such as a recent job loss or high medical bills you’re paying off, let them know them that as well. “Managing Your Debts,” a booklet by a consortium of financial and consumer companies, gives the following advice: “Try to work out an acceptable payment schedule with your creditors. Most are willing to work with you and will appreciate your honesty and forthrightness. The Fair Debt Collection Practices Law prohibits a debt collector from showing what you owe to anyone but your attorney, harassing or threatening you, using false statements, giving false information about you to anyone, and misrepresenting the legal status of your debts.”
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Create a Budget
Determine how much money you must pay every month for rent, utilities, and travel to and from work. Add to that the amount you’ve worked out with creditors to pay off the balance on debts. Then work to economize on the rest of your expenses. How much have you been spending on dining out? Cut it down to zero for a while so you can channel that money into debt repayment. What have your entertainment expenses been? Cut them. Vacations? Postpone them. These might seem like drastic measures at the moment, but the feeling of relief and accomplishment will soon outweigh the sacrifice. Put off all unnecessary expenses for a while. Take a look at your possessions. While selling off grandma’s jewelry probably isn’t a good idea, selling a second car, a second bike, or other accumulated and unused items might be.
Use Your Savings
While it’s generally recommended that you keep a savings safety net, high debt might be an exception to the rule. Look at the numbers. Your savings account in the local bank is drawing 4.5% interest. On your debts, you’re paying 14.5% interest. As soon as you’re able, you can start funneling money back into the savings account, but for now, you’re better off paying down the debt. If a CD is due to mature soon, it might be better to wait than pay the penalty for early withdrawal.
Cut up your credit cards
Enough said. If credit cards are what got you in trouble in the first place, stop using them. At a minimum, stop using them for everything except emergencies. Above all, don’t apply for new credit cards. This is not the time to get creative with borrowing from one card to pay another. It’s time to get serious about repayment.
Where to find help
Determine if you qualify for any government or private assistance. Government assistance includes unemployment compensation, Aid to Families with Dependent Children (AFDC), food stamps, low-income energy assistance, Medicaid, and Social Security including disability.
If you can’t do it alone, there are professional credit counselors who can help. An experienced Utah bankruptcy lawyer can guide you to a professional credit counselor. The counselor will work with you on developing a budget. The counselor can also negotiate a financial management plan with creditors who are pressing for repayment.
The lesson of money management is really quite simple: Save as much as you can as often as you can. Having a cushion of savings and some money invested means your money is working harder for you. That means that your goals are more easily within reach. Financial security transcends having a savings account, however. Knowing that you’re on the right path so that money will be there when you need it provides emotional and psychological security as well.
So before making that next big purchase–or even the little ones that add up–ask yourself the following questions: Do I need this? If I do need it, do I need it now? Delaying purchases can often save lots of money. Technological improvements in computers, for example, often mean that you can get more computer for the same amount of money. Delaying the purchase until you have the full amount, or close to it, in cash also saves money. Since you’re not buying with credit, you’re saving interest charges. And you’ve achieved the satisfaction of planning for a purchase and saving toward that goal.
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Delaying or passing up larger purchases also helps get you in the habit of passing up smaller purchases. Saving money doesn’t mean self-denial. It’s trading one pleasure for another. If the goal is to buy a new entertainment system, it might mean passing on lunches at the nearby café every day. Think about it. If those lunches cost nearly $10 a day, you could have almost $200 saved up in one month. It’s a relatively painless way to get to the goal.
How do you decide where you can cut? Keep track of your spending. Pull out a notebook and write down all your expenses. Especially keep track of those smaller ones–the $5 for coffee, the $15 for a midday snack at the vending machine. At the end of the month, look at where the money’s gone. What were your good decisions? What were the bad ones? Try to cut out those expenses. Be careful with credit cards. They’re wonderfully easy to use, but their major attraction is also their major downside. They can be too easy to use. It doesn’t feel like spending money when you say, “Charge it.” But each time you charge, you are spending money–and it’s an expensive loan if you let charges build up without paying them off.
Remember that overusing credit cards–especially when you start transferring balances from one to another–is in direct contradiction to the goal of saving. And if you get into trouble with credit card debt, let someone know right away. The sooner you start working to solve the problem, the sooner you can be on the right path.
Whatever your financial goals are, there’s a way to get there. If the goal is a long time away–retirement, for example–you can afford to take greater risks with the investments allocated toward that goal. If the goal is to save $250 in the next month so you can buy a new phone, tuck it in an account where you won’t touch it. It’s awfully hard to keep money in your checking account earmarked for something more than a few days away.
Filing Bankruptcy
As a last resort, bankruptcy is a legal procedure to provide a fresh start. There are two types of bankruptcy filings:
• Chapter 7 (so called because the rules governing these types of filings are found in Chapter 7 of the bankruptcy code) is a “straight” or “liquidation” bankruptcy, requiring that the debtor liquidate or sell all assets that are not exempt in that state.
• Chapter 13 is known as a reorganization plan. It allows debtors to keep property, such as a house or car, that they might otherwise lose. These types of filings often allow debtors to pay off an existing loan, over three to five years. This type of plan can work for people who have consistent income and need time to pay off debts, as well as relief from creditors while they’re trying to pay their debts down.
Both types of bankruptcy filings may get rid of those debts to which creditors don’t have specific rights to properties. They can stop foreclosures, repossessions, garnishment of wages, utility shutoffs, and debt collection activities.
Bankruptcy can adversely affect your credit score. Credit score is a tool that’s designed to enhance a lender’s ability to determine the likelihood that a consumer will repay a loan. It’s based in part on credit scoring “models,” which are computerized systems that look at a variety of factors (sometimes hundreds) relating to many consumers’ credit histories and personal information, such as age, income and level of outstanding debt. Scoring systems collect this data to try to predict a consumer’s willingness and ability to pay future debts. Credit scoring systems usually produce a numerical score–a credit score. Lenders use these scores as tools to help decide if a loan should be made and to set repayment terms.
Layton Utah Bankruptcy Lawyer Free Consultation
When you need to file for bankruptcy, please call Ascent Law at (801) 676-5506 for your Free Consultation. We want to help you.
Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
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Bankruptcy Lawyer Layton Utah
It does take careful thought and planning to budget your money. In today’s world careful financial management is not just sensible, it is be vital as more and more people take charge and make decisions about their retirement investments and daily living expenses.
Even if you are new to the job market you should be saving for your retirement years. As life expectancy continues to improve, many people discover that their retirement life could span more than 20 years. Yet many young people have only a hazy idea of how much it costs them to live. Many young Americans are reeling under debt. If you are like one of them, all is not lost. You may have options. It may be possible for you to get rid of your debts. That too through the court. Speak to an experienced Layton Utah bankruptcy lawyer to know more.
youtube
Credit card issuers make their money through the interest they charge. Typically, the issuer will allow a holder to pay a “minimum monthly payment,” a small percentage of the outstanding balance. As long as those monthly payments are made, the credit card issuer is willing to let the person keep paying off the debt in small chunks. That’s because the issuer will continue to collect interest.
The worst thing about debt is that it tends to snowball. Some people are able to get out of that predicament fairly quickly. They forgot to pay a bill on time and made amends as soon as they recognized the error. That’s simply an error. Even though the mistake may have cost them some extra money in penalties or late fees, it was correctable.
But when paying bills late or paying one bill and leaving others unpaid becomes habitual, it’s a sign of a much more serious problem: runaway debt. And like a runaway train, when that runaway debt gets on down the track, it gains momentum.
A mountain of debt can seem overwhelming. But it’s not hopeless. That’s what makes those stories about young adults who took their own lives as they sank further into debt all the more depressing. Too much debt is obviously a problem. It’s a sign that one needs help handling one’s finances. Do the responsible thing: take steps to reduce debt. If that means telling your parents you’ve made mistakes, do so. If it means finding professional help, do so. Don’t hold yourself back from picking up the phone and scheduling an appointment with an experienced Layton Utah bankruptcy lawyer.
Don’t think that you can hang on until it gets so bad you can just declare bankruptcy. Even though more than a million Americans do so each year, declaring bankruptcy should be an absolute last resort. Why? First of all, bankruptcy can stay on your credit record for 10 years, meaning that it almost certainly will become more difficult to qualify for a mortgage or other loan, and that the terms of credit cards will be much less appealing. Bankruptcy should not be seen as an escape hatch. Before you file for bankruptcy, you need to give it a serious thought. Sometimes it may be your best option. Consult with a Layton Utah bankruptcy lawyer.
For those who have some income, and have fallen into the habit of spending more than they’re earning, financial recovery may be a matter of imposing strict financial discipline. Such a change of heart might be difficult, but staring down the chasm can create crystal clear focus and initiative. If you can’t do it alone, there are professional credit counselors who can help you create a debt management plan to pay off your creditors. First try some steps for yourself. Review all your outstanding bills and make sure they’re accurate. If you think any are wrong, contact the creditor immediately.
Organize Your Debts
Find out exactly what you owe to whom. Contact the creditors and let them know you’re having difficulty. This can be a hard step to take; most people would rather hide from their creditors than acknowledge their inability to pay. But creditors will have more respect for those who come clean. If there are circumstances, such as a recent job loss or high medical bills you’re paying off, let them know them that as well. “Managing Your Debts,” a booklet by a consortium of financial and consumer companies, gives the following advice: “Try to work out an acceptable payment schedule with your creditors. Most are willing to work with you and will appreciate your honesty and forthrightness. The Fair Debt Collection Practices Law prohibits a debt collector from showing what you owe to anyone but your attorney, harassing or threatening you, using false statements, giving false information about you to anyone, and misrepresenting the legal status of your debts.”
youtube
Create a Budget
Determine how much money you must pay every month for rent, utilities, and travel to and from work. Add to that the amount you’ve worked out with creditors to pay off the balance on debts. Then work to economize on the rest of your expenses. How much have you been spending on dining out? Cut it down to zero for a while so you can channel that money into debt repayment. What have your entertainment expenses been? Cut them. Vacations? Postpone them. These might seem like drastic measures at the moment, but the feeling of relief and accomplishment will soon outweigh the sacrifice. Put off all unnecessary expenses for a while. Take a look at your possessions. While selling off grandma’s jewelry probably isn’t a good idea, selling a second car, a second bike, or other accumulated and unused items might be.
Use Your Savings
While it’s generally recommended that you keep a savings safety net, high debt might be an exception to the rule. Look at the numbers. Your savings account in the local bank is drawing 4.5% interest. On your debts, you’re paying 14.5% interest. As soon as you’re able, you can start funneling money back into the savings account, but for now, you’re better off paying down the debt. If a CD is due to mature soon, it might be better to wait than pay the penalty for early withdrawal.
Cut up your credit cards
Enough said. If credit cards are what got you in trouble in the first place, stop using them. At a minimum, stop using them for everything except emergencies. Above all, don’t apply for new credit cards. This is not the time to get creative with borrowing from one card to pay another. It’s time to get serious about repayment.
Where to find help
Determine if you qualify for any government or private assistance. Government assistance includes unemployment compensation, Aid to Families with Dependent Children (AFDC), food stamps, low-income energy assistance, Medicaid, and Social Security including disability.
If you can’t do it alone, there are professional credit counselors who can help. An experienced Utah bankruptcy lawyer can guide you to a professional credit counselor. The counselor will work with you on developing a budget. The counselor can also negotiate a financial management plan with creditors who are pressing for repayment.
The lesson of money management is really quite simple: Save as much as you can as often as you can. Having a cushion of savings and some money invested means your money is working harder for you. That means that your goals are more easily within reach. Financial security transcends having a savings account, however. Knowing that you’re on the right path so that money will be there when you need it provides emotional and psychological security as well.
So before making that next big purchase–or even the little ones that add up–ask yourself the following questions: Do I need this? If I do need it, do I need it now? Delaying purchases can often save lots of money. Technological improvements in computers, for example, often mean that you can get more computer for the same amount of money. Delaying the purchase until you have the full amount, or close to it, in cash also saves money. Since you’re not buying with credit, you’re saving interest charges. And you’ve achieved the satisfaction of planning for a purchase and saving toward that goal.
youtube
Delaying or passing up larger purchases also helps get you in the habit of passing up smaller purchases. Saving money doesn’t mean self-denial. It’s trading one pleasure for another. If the goal is to buy a new entertainment system, it might mean passing on lunches at the nearby café every day. Think about it. If those lunches cost nearly $10 a day, you could have almost $200 saved up in one month. It’s a relatively painless way to get to the goal.
How do you decide where you can cut? Keep track of your spending. Pull out a notebook and write down all your expenses. Especially keep track of those smaller ones–the $5 for coffee, the $15 for a midday snack at the vending machine. At the end of the month, look at where the money’s gone. What were your good decisions? What were the bad ones? Try to cut out those expenses. Be careful with credit cards. They’re wonderfully easy to use, but their major attraction is also their major downside. They can be too easy to use. It doesn’t feel like spending money when you say, “Charge it.” But each time you charge, you are spending money–and it’s an expensive loan if you let charges build up without paying them off.
Remember that overusing credit cards–especially when you start transferring balances from one to another–is in direct contradiction to the goal of saving. And if you get into trouble with credit card debt, let someone know right away. The sooner you start working to solve the problem, the sooner you can be on the right path.
Whatever your financial goals are, there’s a way to get there. If the goal is a long time away–retirement, for example–you can afford to take greater risks with the investments allocated toward that goal. If the goal is to save $250 in the next month so you can buy a new phone, tuck it in an account where you won’t touch it. It’s awfully hard to keep money in your checking account earmarked for something more than a few days away.
Filing Bankruptcy
As a last resort, bankruptcy is a legal procedure to provide a fresh start. There are two types of bankruptcy filings:
• Chapter 7 (so called because the rules governing these types of filings are found in Chapter 7 of the bankruptcy code) is a “straight” or “liquidation” bankruptcy, requiring that the debtor liquidate or sell all assets that are not exempt in that state.
• Chapter 13 is known as a reorganization plan. It allows debtors to keep property, such as a house or car, that they might otherwise lose. These types of filings often allow debtors to pay off an existing loan, over three to five years. This type of plan can work for people who have consistent income and need time to pay off debts, as well as relief from creditors while they’re trying to pay their debts down.
Both types of bankruptcy filings may get rid of those debts to which creditors don’t have specific rights to properties. They can stop foreclosures, repossessions, garnishment of wages, utility shutoffs, and debt collection activities.
Bankruptcy can adversely affect your credit score. Credit score is a tool that’s designed to enhance a lender’s ability to determine the likelihood that a consumer will repay a loan. It’s based in part on credit scoring “models,” which are computerized systems that look at a variety of factors (sometimes hundreds) relating to many consumers’ credit histories and personal information, such as age, income and level of outstanding debt. Scoring systems collect this data to try to predict a consumer’s willingness and ability to pay future debts. Credit scoring systems usually produce a numerical score–a credit score. Lenders use these scores as tools to help decide if a loan should be made and to set repayment terms.
Layton Utah Bankruptcy Lawyer Free Consultation
When you need to file for bankruptcy, please call Ascent Law at (801) 676-5506 for your Free Consultation. We want to help you.
Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Recent Posts
How Much Does It Cost To Trademark A Logo?
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from Michael Anderson https://www.ascentlawfirm.com/bankruptcy-lawyer-layton-utah/
from Criminal Defense Lawyer West Jordan Utah https://criminaldefenselawyerwestjordanutah.wordpress.com/2019/10/14/bankruptcy-lawyer-layton-utah/
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Bankruptcy Lawyer Layton Utah
It does take careful thought and planning to budget your money. In today’s world careful financial management is not just sensible, it is be vital as more and more people take charge and make decisions about their retirement investments and daily living expenses.
Even if you are new to the job market you should be saving for your retirement years. As life expectancy continues to improve, many people discover that their retirement life could span more than 20 years. Yet many young people have only a hazy idea of how much it costs them to live. Many young Americans are reeling under debt. If you are like one of them, all is not lost. You may have options. It may be possible for you to get rid of your debts. That too through the court. Speak to an experienced Layton Utah bankruptcy lawyer to know more.
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Credit card issuers make their money through the interest they charge. Typically, the issuer will allow a holder to pay a “minimum monthly payment,” a small percentage of the outstanding balance. As long as those monthly payments are made, the credit card issuer is willing to let the person keep paying off the debt in small chunks. That’s because the issuer will continue to collect interest.
The worst thing about debt is that it tends to snowball. Some people are able to get out of that predicament fairly quickly. They forgot to pay a bill on time and made amends as soon as they recognized the error. That’s simply an error. Even though the mistake may have cost them some extra money in penalties or late fees, it was correctable.
But when paying bills late or paying one bill and leaving others unpaid becomes habitual, it’s a sign of a much more serious problem: runaway debt. And like a runaway train, when that runaway debt gets on down the track, it gains momentum.
A mountain of debt can seem overwhelming. But it’s not hopeless. That’s what makes those stories about young adults who took their own lives as they sank further into debt all the more depressing. Too much debt is obviously a problem. It’s a sign that one needs help handling one’s finances. Do the responsible thing: take steps to reduce debt. If that means telling your parents you’ve made mistakes, do so. If it means finding professional help, do so. Don’t hold yourself back from picking up the phone and scheduling an appointment with an experienced Layton Utah bankruptcy lawyer.
Don’t think that you can hang on until it gets so bad you can just declare bankruptcy. Even though more than a million Americans do so each year, declaring bankruptcy should be an absolute last resort. Why? First of all, bankruptcy can stay on your credit record for 10 years, meaning that it almost certainly will become more difficult to qualify for a mortgage or other loan, and that the terms of credit cards will be much less appealing. Bankruptcy should not be seen as an escape hatch. Before you file for bankruptcy, you need to give it a serious thought. Sometimes it may be your best option. Consult with a Layton Utah bankruptcy lawyer.
For those who have some income, and have fallen into the habit of spending more than they’re earning, financial recovery may be a matter of imposing strict financial discipline. Such a change of heart might be difficult, but staring down the chasm can create crystal clear focus and initiative. If you can’t do it alone, there are professional credit counselors who can help you create a debt management plan to pay off your creditors. First try some steps for yourself. Review all your outstanding bills and make sure they’re accurate. If you think any are wrong, contact the creditor immediately.
Organize Your Debts
Find out exactly what you owe to whom. Contact the creditors and let them know you’re having difficulty. This can be a hard step to take; most people would rather hide from their creditors than acknowledge their inability to pay. But creditors will have more respect for those who come clean. If there are circumstances, such as a recent job loss or high medical bills you’re paying off, let them know them that as well. “Managing Your Debts,” a booklet by a consortium of financial and consumer companies, gives the following advice: “Try to work out an acceptable payment schedule with your creditors. Most are willing to work with you and will appreciate your honesty and forthrightness. The Fair Debt Collection Practices Law prohibits a debt collector from showing what you owe to anyone but your attorney, harassing or threatening you, using false statements, giving false information about you to anyone, and misrepresenting the legal status of your debts.”
youtube
Create a Budget
Determine how much money you must pay every month for rent, utilities, and travel to and from work. Add to that the amount you’ve worked out with creditors to pay off the balance on debts. Then work to economize on the rest of your expenses. How much have you been spending on dining out? Cut it down to zero for a while so you can channel that money into debt repayment. What have your entertainment expenses been? Cut them. Vacations? Postpone them. These might seem like drastic measures at the moment, but the feeling of relief and accomplishment will soon outweigh the sacrifice. Put off all unnecessary expenses for a while. Take a look at your possessions. While selling off grandma’s jewelry probably isn’t a good idea, selling a second car, a second bike, or other accumulated and unused items might be.
Use Your Savings
While it’s generally recommended that you keep a savings safety net, high debt might be an exception to the rule. Look at the numbers. Your savings account in the local bank is drawing 4.5% interest. On your debts, you’re paying 14.5% interest. As soon as you’re able, you can start funneling money back into the savings account, but for now, you’re better off paying down the debt. If a CD is due to mature soon, it might be better to wait than pay the penalty for early withdrawal.
Cut up your credit cards
Enough said. If credit cards are what got you in trouble in the first place, stop using them. At a minimum, stop using them for everything except emergencies. Above all, don’t apply for new credit cards. This is not the time to get creative with borrowing from one card to pay another. It’s time to get serious about repayment.
Where to find help
Determine if you qualify for any government or private assistance. Government assistance includes unemployment compensation, Aid to Families with Dependent Children (AFDC), food stamps, low-income energy assistance, Medicaid, and Social Security including disability.
If you can’t do it alone, there are professional credit counselors who can help. An experienced Utah bankruptcy lawyer can guide you to a professional credit counselor. The counselor will work with you on developing a budget. The counselor can also negotiate a financial management plan with creditors who are pressing for repayment.
The lesson of money management is really quite simple: Save as much as you can as often as you can. Having a cushion of savings and some money invested means your money is working harder for you. That means that your goals are more easily within reach. Financial security transcends having a savings account, however. Knowing that you’re on the right path so that money will be there when you need it provides emotional and psychological security as well.
So before making that next big purchase–or even the little ones that add up–ask yourself the following questions: Do I need this? If I do need it, do I need it now? Delaying purchases can often save lots of money. Technological improvements in computers, for example, often mean that you can get more computer for the same amount of money. Delaying the purchase until you have the full amount, or close to it, in cash also saves money. Since you’re not buying with credit, you’re saving interest charges. And you’ve achieved the satisfaction of planning for a purchase and saving toward that goal.
youtube
Delaying or passing up larger purchases also helps get you in the habit of passing up smaller purchases. Saving money doesn’t mean self-denial. It’s trading one pleasure for another. If the goal is to buy a new entertainment system, it might mean passing on lunches at the nearby café every day. Think about it. If those lunches cost nearly $10 a day, you could have almost $200 saved up in one month. It’s a relatively painless way to get to the goal.
How do you decide where you can cut? Keep track of your spending. Pull out a notebook and write down all your expenses. Especially keep track of those smaller ones–the $5 for coffee, the $15 for a midday snack at the vending machine. At the end of the month, look at where the money’s gone. What were your good decisions? What were the bad ones? Try to cut out those expenses. Be careful with credit cards. They’re wonderfully easy to use, but their major attraction is also their major downside. They can be too easy to use. It doesn’t feel like spending money when you say, “Charge it.” But each time you charge, you are spending money–and it’s an expensive loan if you let charges build up without paying them off.
Remember that overusing credit cards–especially when you start transferring balances from one to another–is in direct contradiction to the goal of saving. And if you get into trouble with credit card debt, let someone know right away. The sooner you start working to solve the problem, the sooner you can be on the right path.
Whatever your financial goals are, there’s a way to get there. If the goal is a long time away–retirement, for example–you can afford to take greater risks with the investments allocated toward that goal. If the goal is to save $250 in the next month so you can buy a new phone, tuck it in an account where you won’t touch it. It’s awfully hard to keep money in your checking account earmarked for something more than a few days away.
Filing Bankruptcy
As a last resort, bankruptcy is a legal procedure to provide a fresh start. There are two types of bankruptcy filings:
• Chapter 7 (so called because the rules governing these types of filings are found in Chapter 7 of the bankruptcy code) is a “straight” or “liquidation” bankruptcy, requiring that the debtor liquidate or sell all assets that are not exempt in that state.
• Chapter 13 is known as a reorganization plan. It allows debtors to keep property, such as a house or car, that they might otherwise lose. These types of filings often allow debtors to pay off an existing loan, over three to five years. This type of plan can work for people who have consistent income and need time to pay off debts, as well as relief from creditors while they’re trying to pay their debts down.
Both types of bankruptcy filings may get rid of those debts to which creditors don’t have specific rights to properties. They can stop foreclosures, repossessions, garnishment of wages, utility shutoffs, and debt collection activities.
Bankruptcy can adversely affect your credit score. Credit score is a tool that’s designed to enhance a lender’s ability to determine the likelihood that a consumer will repay a loan. It’s based in part on credit scoring “models,” which are computerized systems that look at a variety of factors (sometimes hundreds) relating to many consumers’ credit histories and personal information, such as age, income and level of outstanding debt. Scoring systems collect this data to try to predict a consumer’s willingness and ability to pay future debts. Credit scoring systems usually produce a numerical score–a credit score. Lenders use these scores as tools to help decide if a loan should be made and to set repayment terms.
Layton Utah Bankruptcy Lawyer Free Consultation
When you need to file for bankruptcy, please call Ascent Law at (801) 676-5506 for your Free Consultation. We want to help you.
Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
4.9 stars – based on 67 reviews
Recent Posts
How Much Does It Cost To Trademark A Logo?
Family Lawyer Heber City Utah
Child Visitation Rights
Tips For Business Loans
Life Insurance Options
Do All Wills Have To Be Probated?
Source: https://www.ascentlawfirm.com/bankruptcy-lawyer-layton-utah/
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Affordable health care?
Affordable health care?
Does the affordable health care act say that as a family member of a state emplyee I can t be on my wife s insurance after she retires ?
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Why Buy a Non-Firing Gun? - 4 Reasons it Makes Sense
[ad_1] Since I had two different people ask me recently why anybody would buy a gun that didn't fire and couldn't be made to fire, I figured it was a fair question that deserved an answer. Here are four reasons why: (1) There are many legal restrictions on the sale of real guns. You simply can't buy a "real" gun, or can't buy the one you want in many instances, because there are restrictions on purchasing them in many countries, and even some states or municipalities in the United States. Non-firing replica guns are legal to buy and own without any restriction in most of the United States and in many countries of the world, and don't require any sort of license or permit. If you want a firearm to protect life and property or to use for hunting and target shooting, obviously the non-firing type doesn't make sense. But what if you just wanted a classic .357 Magnum with an 8-inch barrel to display as part of a collection, or maybe the sleek Walther PPK, like James Bond uses in the movies? Except for relatively few places where replicas of "modern" firearms are banned due to their realistic appearance, you would be able to buy a totally realistic, non-firing replica of either of those classic handguns. (2) Non-firing replicas can be safely displayed in your home or office. Non-firing replicas do not fire, and cannot be adapted to do so. Their barrels have metal plugs inside, and while they are made of metal that approximates the weight and heft of a real gun, they are not made of the kind of high-tensile steel required to withstand the pressure and hot gases of a gunpowder charge. Moreover, the chambers and clips are made a non-standard size so that real bullets won't fit them, as an added safety measure.So long as they are handled sensibly by responsible adults who display them as collectibles or use them in reenactments, living history performance or film productions, they are completely safe. "Safe" means if you want to practice your western quick-draw in front of a mirror, you won't accidentally shoot yourself in the foot with a replica Colt .45! If you really want to unleash your inner Wyatt Earp, get yourself a frock coat, brocade vest and a replica of a Tombstone Marshal's badge, and join one of the many quick-draw groups in the U.S. and other countries and test your draw against other would-be "gunslingers." "Handled sensibly" means because they look so authentic, you don't take them out in public and wave them around where a cop or somebody might mistake it for the real thing and shoot you. Of course they should be kept out of the hands of children, too, for the same reason--and also because loading mechanisms and other metal moving parts in a quality replica can pinch or mash little fingers. (3) Real antique firearms are usually difficult or impossible to find, and they cost a lot more. Despite the number of them that were captured and brought back to the United States during both World Wars, a real Luger P08 Parabellum for sale is difficult to find. A thorough internet search yielded only two for sale, priced at $3107 and $6214 U.S. A search for a real Broomhandle Mauser C96 yielded only one, and it was $3650 U.S. If you go back even further in time to look for an original 1861 Navy Colt, you can certainly find them, but be sure to bring your checkbook! At a recent on-line auction, a mint 1861 Colt Navy, still in the wood presentation case with powder flask and other accessories, went for over a million dollars! Of course that Colt had belonged to the officer in command of Fort Sumter at the outbreak of the Civil War, which surely added to its value, and you can certainly find 1861 Navy Colts that sell for a lot less that that. But unless the gun had never been fired (which likely puts it in the high-dollar category), it probably wouldn't be wise or safe to try firing it, as it would be impossible to tell the condition of internal parts, how it had been maintained, etc. So when it comes to antique guns, just because you bought a "real" one doesn't mean you can fire it, and anything in mint, fireable condition is going to be expensive. Vintage rifles, such as the octagonal-barreled 1860 Henry (like the one Quigley used in the movie "Quigley Down Under") are nearly impossible to find. Even a modern, firing reproduction of the 1860 Henry sells for around $3,000 U.S. Realistic, non-firing replicas of these same historic guns cost a small fraction of what you can expect to pay for a real one. Best of all, 'rare' and 'scarce' are not a problem. Everything from the elusive Luger P-08 to a Brown Bess Musket from the American Revolutionary War is easy to find, at a price that is affordable for almost any budget. (4) Quality non-firing replicas are historically authentic and have working mechanical parts. A quality, non-firing replica is the closest thing you can get to a "real" gun. They have the heft, weight and handling "feel" of a real gun--everything except the bang and the bullet. When we say "quality", we're not talking about those chunks of plastic resin molded and painted to look like a gun. Quality replicas are made of metal and, in the case of models with wood grips or trim, it will be real, oiled and polished wood (usually walnut) just like a real gun. "Ivory" or "pearl-handled" grips will probably be a polymer imitation, but in appearance, feel and action, replicas will closely resemble the genuine article, right down to the action of real moving parts in the loading and firing mechanisms. Hammers cock and will strike the chamber with an audible "click" when the trigger is pulled. Clips insert and release (you can even get dummy "bullets" to load into some models.) Cylinders rotate, and/or swing out, depending on the model. AK-47 assault rifle replicas can be field-stripped and cleaned like a real one, and are often used for training, for that reason. . A quality replica is heavy, and has the heft, look and feel of a real gun. How cool would it be to display a realistic replica of Wild Bill Hickock's engraved 1851 Navy Colt on your desk, or hang a realistic copy of Dan'l Boone's famous Kentucky rifle on your wall? You can find a replica of almost any famous pistol or rifle with a quick search on the internet. Non-firing replica guns are great conversation pieces, and a piece of history you can hold in your hands. [ad_2] Source by Joann Graham https://www.buyherepayherebirmingham.xyz/why-buy-a-non-firing-gun-4-reasons-it-makes-sense/
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Creola Alabama Cheap car insurance quotes zip 36525
"Creola Alabama Cheap car insurance quotes zip 36525
Creola Alabama Cheap car insurance quotes zip 36525
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Which will cost more in car insurance, generally: a passenger sedan (maybe a 1999 Honda Civic) or a pickup truck (1995 Chevrolet Silverado 1500, perhaps)? Also, if I have two trucks, both exactly the same, only, one has 2-wheel drive and one has 4-wheel drive, which will cost more in insurance? If one will infact cost more, will the difference be significant enough to matter? I live in Colorado. 4-wheel drive is desirable with the snow and ice, but if it will cost significantly more in insurance, I can't justify it.""
Any affordable health insurance options for a 65 years old thats not eligible for Medicare?
My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""
Do you pay car insurance every month or every six months?
Need it for the class I'm in now. Help quick!
Which auto insurance is the cheapest? HELP PLEASE?
I'm 16 years old and I want insurance on my moms car. What is the cheapest company to have? help please! I really want to drive and moneys a big problem in my family.
How much do you think insurance for an Acura RSX would be?
I'm 16 years old and I want to buy an Acura RSX. Does anybody have any idea about how much insurance might be? I live in California.
What is a good car insurance for florida state for a 23 year old female?
Help.
Is there any dental insurance to recommend for adult orthodontics?
I am 26 years old, and I want to wear braces. I try to enroll a dental insurance to save money but failed to find one that covers orthodontics for adults of my age. Can anyone give me any recommendation for the dental insurance? Many many thanks.""
DIFFRENT CAR INSURANCE rates?
me my uncle and my aunt have 4 vehicles in our household. we have a chevy avalanche or , toyota 4 runner limited edition o3, toyota corola s 10, and a harley bike 07. do this vehicles like have diffrent rates each under one insurance plan? its under USAA btw. (the numbers are the year models of car)""
First timer buying Car Insurance?
It will be my first time buying car insurance next month and I am looking to get any advice if possible. I am in the Toronto area and I'm on a budget! What kind of things should I look out for other than price? I'm not even sure what to ask, so ANY advice is helpful -- and even more helpful if you can list some of the cheaper ones!""
How is Term Insurance different from Life Insurance?
I am planning to buy an life insurance policy of around 25-30 lakhs. I have heard about this new insurance product- term insurance. I wanted to know its benefits and how is it different from life insurance. thank you for your help. I would really appreciate your efforts if you can help me out with this as soon as possible. thanks!
""Does anyone know of any good, affordable dental insurance?""
I am self-employed and I need to see a dentist, can anyone help?""
How do you fight with the other party's insurance company?
Hi, my car insurance covers for liability only and now I have an accident with a big truck. The big truck hit my car from the side. We were driving from 2 lanes next to each other and at one point the two lanes combine into one. While I was alittle pass over the truck, it hit me from the side. Their side has no damage since it is a big truck and our side has damaged from the driver side. The police report didn't explain clearly about whose fault it is except it mentions what the two drivers said. I think it is not my fault and the other driver denied it is his fault either. My insurance company didn't help much because we only have liability. Now, the other party insurance company called me and said they can't pay for the damanges since it is both parties fault. Therefore, pay for damanges on our own. Like I said, the other party didn't have any damages. If we have to fix it by ourselves, it will cost over $1500. :-( How should I fight with the insurance company to get my claims?""
What do the left mean by making health insurance 'affordable'?
Affordable is a relative term. Affordable to who? It is already affordable to tens of millions of Americans. How can it become affordable to the poorest when they don't even have the means to feed or house themselves?
2.5% tax penalty if you don't have health insurance?
There is a section on page 297 of the health care bill... which you can read here: http://docs.house.gov/rules/health/111_ahcaa.pdf It states plainly that any individual who does not have acceptable health insurance during any part of the year will be imposed a tax equal to 2.5% of their yearly adjusted gross income. My question is what the heck is that about? What has our government come to if they can legally punish people for not getting their own health insurance??
Lapsed car insurance ?
I never received bill or warning in the mail or phone call from my agent. Either they made a mistake or my parents thought it was junk mail. Over 6 months have gone by. Should I call my agent or the insurance company? I figure rates will go up even though I didn't do anything wrong.
How good is the Insurance Business in Florida or Texas?
Hello dear people...I'm an Insurance Agent-Broker who would like to open an office in either of those states, can anybody please tell me how businesses are doing right now there?. I'd like to stay where I live in California, but it is crowded here, plus I'd like to start a new life...your inputs will be highly appreciated....""
Creola Alabama Cheap car insurance quotes zip 36525
Creola Alabama Cheap car insurance quotes zip 36525
Is getting the minimum coverage car insurance a good idea?
I constantly see those commercials that say get the minimum required car insurance. And i'm wondering is that really a good idea, and what does that really even cover when you get into an accident?""
Can i buy car insurance for 1 month?
or on a month to month contract? i know most places give u insurance but from 3 month or more. if so where?
Can employer force health insurance on me?
I currently have and paid for my own health insurance. I recently got a new job and was told that I had to elect to participate in one of my employer's health insurance plans. I politely told them that I had my own health insurance and wish to opt out of the employer's plan options. My employer told me I had to elect, participate, and pay. Can they make me do this?""
Insurance company is denying me insurance.. can anyone help out?
well i was driving alone on a learners permit, got into an accident where i was not at fault. the insurance company denied the car claim and now they called and said they refuse to cover me unless my ticket is found not guilty. The problem is my court date is in 3 months. Is there any other way i can get insurance coverage?""
How to find cheap insurance for my 318i bmw 1999?
How to find cheap insurance for my 318i bmw 1999?
Is car insurance absolutely needed for a car?
I will be purchasing my first car sometime this year. I don't know anything about insurance and I'm really not knowledgeable when it comes to things like this. So my question is, is car insurance a requirement when owning a car? Do you need it? Is it expensive and how does the process work? Cause I'll be getting my first car soon and I don't really know insurance plays a role in all of this.""
What is the best insurance policy for a child age 6.5 year?
What is the best insurance policy for a child age 6.5 year?
Need help insurance gurus?
What is the best route to getting insurance for weight loss procedures? I haven't had insurance in 3 years
Car insurance for teens?
Can a teenager have thier own car insurance and if so what companies let them im in delaware. And which is the best all answers welcome
Affordable Insurance?
My boyfriend is looking for some affordable insurance for himself. We live in Indiana, I already have insurance and our daughter is covered as well. I am finishing up college so I still qualify to use my father's insurance. What are some options for my boyfriend. (and I'm pretty sure he doesn't qualify for low income health insurance).""
Insurance on 2006 Ford Mustang and 2004 A4?
Hey, I'm a 16 year old student (turning 17 this year). I'll be getting my G2 in March of 2014, and I'm having a hard time deciding which car to save up for. It was between a 2004 Audi A4 or 2006 Mustang the whole way through. Which car would you recommend for a student? I'm having trouble finding an A4 for under $8,000 with decent kilometers. I was wondering how high the insurance would be for me on both cars, also I did not take driving school. I've also heard that if I write my mother's name as the primary driver, and my name as the secondary driver its cheaper.""
How much cheaper is health insurance in Texas?
Does anyone have data, did Tort reform lower health insurance costs? I mean isn't texas having a surplus or perhaps a surge of doctors since passing such law? Let's prove to the liberals this works by using the facts for a change.""
Car wreck with no insurance in tennessee?
I was recently involved in a car wreck where I wasn't insured whatsoever. This wreck was considered road rage on both parts. I didn't initiate the road rage. I had a dip spit bottle thrown at my car. It went in and all over me. I followed the other vehicle til he bowed up and stop in front of me where I then rear ended him. He was driving a '99 cadillac escalade and it didn't damaged anything but his bumper. He had insurance thus he didn't get a ticket I don't believe but I did and it says I didn't have insurance the time of the accident and a court date that follows up. My questions are what will exactly happen in court?? I have never been in a wreck. I now have insurance. I'm young. What will the court cost be? How will I pay him? Is there anything that I should know other than to show up?
Can i get my own car insurance policy at 16?
i would really like it if someone could answer this. i coudnt fint the answer i was looking for online so i came here. if you guys are going to say it has to be under your mothers its not happening shes a *****. my dad has a car at his house thats mine he just doesnt want to give me the keys tell i have insurance and my license. but im getting my license in a few months. so if you can tell me this answer thanks, and can you give me a average price. and i know they do it based on the car so if i had an 06 nissian sentra with moded parts, and ome rims and a body kit would there be a difference. thank you so much for the people that are going to answer this""
Do I need life insurance?
Hey, I'm in 7th grade and my advanced academics class is doing a project on what our goals and daily life will be after we graduate high school. The final part of the project deals with the management of taxes and insurance and stuff like that. I'm pretty sure I've covered everything I need to, except for one aspect: life insurance. I'm not exactly sure if I need it, because I don't really know if I'm actually going to have people dependent on my paycheck. Here's my lifestyle: I'm going to live in Santa Monica, California as an occupational therapist in an apartment with a roommate. My mom's family and my dad's family will most likely keep residing all the way across the country on the east coast, with my brother in college and my younger brother in middle school. I'm pretty sure both my parents are going to be retired at that age, but I don't know if they would really depend on my paycheck. Opinions?""
What is the lowest quote that people are getting from this site?
I managed to save 150 p/month. Can anyone find a better quote from this resource? http://www.adrian-flux-cheap-car-insurance.blogspot.com
Car insurance question?
Hello, I had car insurance on my Cadillac, and the car insurance coincidentally ended a few days after my Cadillac broke down. For the time being, I don't plan on getting it repaired (looking to sell it). My mother offered to let me borrow her car, which she has insured. She seems to think I need car insurance to be able to drive her car. Is that the case? (I don't live at my parents house anymore, and my name isn't on their policy fwiw)""
2010 Ford Fusion vs 2011 Hyundai Sonata?
I recently went in resolved to buy a 2011 Sonata at $26, 000 but then I saw at a Ford dealer that the Fusion was $16, 500 on sale from $19,000. I'm conflicted because paying $10,000 more for a Hyundai means I get more features like leather, seat heating, sun roof, more sleek sporty style, etc. But then I can't completely negate the fact that the Ford is so cheap. Which would you pick and why?""
Given an inaccurate insurance quote?
So, in the process of getting a new vehicle I took two VIN numbers to a man at the insurance agency I've used for the past three years. The two numbers were for an '08 and an '09 car (the '08 first just to get a reference). He tells me the approximate increase in my monthly bill will be around $47.50 (for the '09). I go ahead and buy the car, my monthly bill has gone up just right over $200 more. I have already bought the car, paid for the tax, title, licensing and registration... and there is no way I can pay that much more in insurance (college kid here), so I'm going to have to get rid of the car, pay insurance on it for a portion of a month, and pay all the necessary fees on another vehicle. I will easily have lost $1000 because of this guy's inability to do his job. Of course, I didn't get anything in writing (having gone there for three years and never having any other problems...). I really don't know what to do and I'm quite upset about it. Any suggestions?""
Insurance question??
Could i have a vehicle put in my name (because i make the payments).And the insurance in my girlfriends name (because its cheaper) in the state of ky?
How much will 2 points effect my car insurance?
I am 17 years old. I live in New Jersey, got my license 6 months ago. I was driving through Maryland and I got a speeding citation worth two points. My parents do not know about the speeding ticket, but I already paid it. How much will it effect my Geico car insurance rates? Also, I just received the advisory notice in the mail today, called the MVC and they just said it was pretty much a piece of paper saying I got a ticket....""
How do I prevent myself from getting taken advantage of by the car insurance companies?
What steps do I need to take in order to always be well ahead of the tricks that car insurance companies would want to pull on me?
No insurance ticket in jeffco ?
What are the penalties for a no proof of insurance ticket?
Which is the best policies for Life Insurance and Health Insurance ?
Iam 27 years old and married.I have my father,mother and wife as my dependents and our kids in future.i want to get life insurance for me and Health Insurance for my whole family as they are fully depending upon me. - I already have Jeevan Anand from LIC Sum Assured : 5,00,000.00 Policy Term 74 (Premium payment term 17) - i am ready to spent another 20-25 thousand as annual premium for Health and any other good policies.It will be better if its consider as a good investment also. So please suggest me good policy from LIC and a Health Insurance policy available now. Your advises will be highly appreciated. Thanks.""
Where can I find affordable dental insurance?
i live in dallas tx ,19yrs old and im look for affordable dental insurance it will b just for me no one else any great insurance out there that wont make my bank account dusty :) plz help & thank u""
Creola Alabama Cheap car insurance quotes zip 36525
Creola Alabama Cheap car insurance quotes zip 36525
How much does car insurance cost for 18 year olds?
would it be cheaper if I combined it with my dad's insurance plan? abput how much would it cost then?
I would like to buy a car.How much is the price of the car insurance about? I am going to buy a 1300cc car.?
I would like to buy a car.How much is the price of the car insurance about? I am going to buy a 1300cc car.?
""Car insurance, advice and help!?""
Im 16. Ive done a bit of research and it looks expensive, so im going to try to be put on my parents plan. I know it depends on their plan and everything, but im just looking for an approximation per month or per 6 months or per year. They have pretty good coverage if that helps, and my dads on geico and my moms on progressive i beleive. i live in miami if thats useful, and i will only use one car if that would make the insurance cheaper (its in their name). Any bit of advice to make it cheaper or any tips would be extremely appreciated. If i could get somewhere around 500 per 6 months that would be ideal. Thanks u guys""
Whats the average cost for teenage car insurance?
im going to get my permit soon and i would like to know what the average teen car insurance cost is.
Car Insurance Fine costs driving without insurance on one car but had 3rd party on another?
Being a bit stupid I didnt relise I had to inform my insurance company that I changed cars and was stopped by the police for no insurance even though they proved that I had insurance on my previous vehicle 3rd party whic
Insurance career in Life and auto?
I am currently work as New York Life agent. And I just got my P C license to sell auto insurance. I am thinking about working with NYL and auto insurance agency. Should I have to cancel NYL contract and work as noncontracted agent. I know I have to loose all my benefit such as 401K-health insurance. But now it is hard to find business in Life only. That is why I want to work with both. But I have to open my own office (more expsense), will not get paid in NYL, etc. Is it a great move at all? Your advice will help me to make decision. Thank you""
Cheap Health Insurance In New York State for single adult?
Is there any good but cheap health insurance in new york state not based on income?
What type of sports bike should I get for great MPG and low insurance?
My Lexus RX350 is eating up my gas money and I want a motorcycle to have some fun on while saving some gas. I am 5'7 and am a beginner taking a bike safety course that teaches me how to ride safely. I am looking for a bike that gives great MPG and something that will not cost me an arm and an leg for insurance. I'd also want something sporty and great on the HWY. I live in Southern California so there'll be lots of HWY driving and some streets. Thanks
What is the cheapest and best car insurance company?
I live in pueblo CO
How much does a rx of augmentin cost without insurance?
How much does a rx of augmentin cost without insurance?
Car insurance: keep my car if its a write off?
Hi I had a car crash other night....i wasn't at fault anyway the front bumper, bonnet, one headlight and paint above drivers wheel has taken bad damage....but im pretty sure the engine and things under the bonnet are fine....even the radiator isn't damaged....only looks slightly bent so basically im pretty sure its just cosmetic damge its a 2002 lancer ce sedan the person who hit me....her insurance company racq will be inspecting it...but i fear they will say it will be a write off i paid $7000 for the car in september 2010 and the market value for it then was $7500...how much market value will the car be now?? :/ will i get $4000-$6000 for it?? and if they pay me out do i still get to keep my wrecked vehicle or will racq keep the car? i have put so much effort into this car spent an exta $2000 on it. then some crazy b***ch runs a red light n smashes into front of my car so basically my question is....if my car is a wright off will i still get to keep the car? cos if i can i can just keep it at a mates place and buy spare bumper n bonnet off ebay""
Camera insurance for not professional?
I would like to buy an insurance for my camera. Please write only the link for not professional. Thank you so much! USA
Insurance question?
if you are being sued for a car accident how much will the insurance company cover up to
Cheapest auto insurance for 18 year old?
i am 18 years old a female and i own a 1996 chevrolet s10 2wd pickup truck i have had my licence since i was 16 and i am wondering if any one knows of any cheap insurance i live in st.petersburg florida please help!!!
How bad would my insurance rates be?
I have the money to buy a used 04 S2000 now, but my parents are paying for the insurance and I don't want to make them pay a lot. My father is 47 and wants to put the car under his name if I buy it. If it matters, I'm 18, straight A's in high school if (GPA matters), two years of driving experience, and I live in Indiana. Would the insurance rates for this car be a lot? If possible, does anybody have an estimate?""
Do I need insurance to buy a used car?
Wisconsin- I will be buying a new car this week (2004 Monte Carlo). My license is currently suspended, do I need to get insurance for it before I bring it home? (My mom will be driving it home for me)""
Whats a cheap price for apartment insurance?
Renting a fleaflat n lilmexico, houston. they require an additonal $20 for insurance can i use my own insurance company? does anybody outthere use apartment insurance? i do not have any insurance of any kind so stop bundle answers""
""A car is registered on my name, im only 18 years old male and i want to get a cheaper car insurance.""
a car is registered on my name, im only 18 years old male and i want to get a cheaper car insurance.is it possible if i could get my friend to insure my car on his name as the main driver because he has like more than 5 years no claims discount bonus which makes the car insurance go down and im just going to be the second driver? but the car is registered on my name. is it still possible if i could do that and get below a 1000 pounds insurance for a year?? thanks for the answers in advance. IM FROM UK ENGLAND by the way""
Any one know cheap nissan navara insurance?
Any one know cheap nissan navara insurance?
Does anybody know a affordable health insurance in los angeles? needed to see a physician.?
Does anybody know a affordable health insurance in los angeles? needed to see a physician.?
17 year old auto insurance? new york?
okay so my parents don't drive...(my bro does tho...except he moved to LA for business for the next year :( ) so my parents want to get me a car...you know so i can chauffeur them places and stuff. thing is i'm 16 and i have a class DJ license (i was able to take the road test because i took drivers ed. ) i'll be 17 pretty soon and i'll have a regular class D license. So i wanted to know even thought my parents don't have licenses and don't drive can they legally buy me a car and auto insurance? please answer! can't find anything online! :)
What year in California did it become necessary for all drivers to carry auto insurance?
What year in California did it become necessary for all drivers to carry auto insurance?
Canadians-What's a good insurance company for motorcycles?
I live in Halifax, NS and looking for good insurance rates. Also, what type of insurance should I get? Full coverage? I would like to insure my soon-to-be 2000 Kawi Ninja 250. I've already put this up before, but I got a lot of answers for AMERICAN companies, I'm looking for Canadian. Thanks.""
Moped insurance in texas?
I am looking into getting a 49cc moped and am trying to figure out how much it would cost to insure it. I am a 25 yr old female with a clean driving record if that helps.
Can I insure a vehicle I don't legally own? ?
Can I insure a vehicle I don't legally own? ?
Creola Alabama Cheap car insurance quotes zip 36525
Creola Alabama Cheap car insurance quotes zip 36525
17 year old insurance?
I am 17 years old i've had my license for 5 months without an accident, what would the average cost be for low coverage auto insurance for a 88 chevy v8 4x4 truck on an adults insurance? Im just looking for a close estimate.""
Which cars/trucks get the best auto insurance?
I know that insurance companies look at things like color, model, and things like that, please help!!!!""
Ive been looking into pet insurance and Im a bit confused.?
Ive been looking into pet insurance and Im a bit confused. When it says: wellness exam (split between two visits per year) $40 vaccinations $30 heartworm test $25 fecal test $15 deworming $20 microchip $20 flea and/or heartworm preventive $50 blood screen or x-ray or EKG $50 Is the dollar amount the price the insurance pays all year or per visit?
Can I get separate 6 month car insurance for 2 vehicles?
I live in Vermont want to drive ONLY my Kia Spectra May-October, and ONLY my Ford F150 from November-April. I want to save money by having an insurance policy that covers each car for these 6 month intervals vs. insuring both year-round. Do car insurance companies typically offer this kind of coverage? I would ask around, but the insurance companies are so aggressive I can NEVER call for a simple quote or answer without extreme sales pressure.""
Health insurance questions...?
My health insurance is provided by and paid for by my employee. They are changing insurances effective Sept 1st; I'm scheduled for surgery on Sept 8th through the other company. How does this work? Do my deductibles that I've paid roll over?
Let's not have universal health care but just make health insurance more affordable?
and have the insurance companies take out take all these pre existing condition clauses. Then we don't have to worry about giving health care to illegals or higher taxes. Does anyone agree with me?
Will an Illinois speeding ticket put points on my Michigan license and raise my insurance?
I am from Michigan and got a speeding ticket in Chicago IL. Will this put points on my Michigan license? Will this cause my Allstate insurance rate to go up? Thanks for the help!
Anyone in pennsylvania know of an affordable dental plan that covers everything?
Does anyone have good dental insurance for a fair monthly price? I need something that covers crowns root canals check ups fillings and xrays. I don't really know where to start. ...show more
""Regarding auto insurance, is it allowed to add my friend while visiting her in AZ?""
I live in California. I am visiting a friend in Arizona for 3 months and staying at her home. She will be driving my vehicle frequently. Although my policy covers any driver, should I or am I allowed to add her to my auto policy? Even if she has an AZ license? I'm assuming they would have to check her AZ record? I'm wondering how all this works. My insurance provider is Clearside General and I cannot get a hold of them quickly enough... on hold forever! Thanks""
Can daughter get Health Insurance if she has pre-existing such as asthma?
My 18 year old daughter who graduated in May, has moved to a nearby town and is working at Applebees. She wants to get certified as personal fitness trainer, and so she will be dropped off of my insurance, since this is not a full time student program. She was 18 in June, and lives in Texas. She is going to soon have to be dropped of of my health insurance. I do not think that Applebees provides any insurance for hourly employees. She also has asthma, although not real bad, but this is a pre-existing conditions. Will she be able to get any kind of affordable health insurance, or is she just going to have to be one of the millions who can't have health insurance?""
""I want to hire a car for a few days in the USA, I know how much it is daily - how much would insurance cost?""
I want to hire a car for a few days in the USA, I know how much it is daily - how much would insurance cost?""
Car Insurance question?
So the other day as I was pulling out of the parking lot my car hit this non moving car next to me. The damage is not bad at all(a small dent with some scratches) and I am working with the other owner to get it fixed. I recently found out that they got an estimate from two places and both places are charging about 1000 dollars for their service. Do you think I would be better off paying for it from my pocket without informing my insurance place?(I am a broke college student). Should I get the car insurance involve? If I do get the insurance company involved will my rate go way up(cleaning driving record)? And how does car insurance company work(do they pay for all or partial)? What is my best option? Please Help!! Thank you so much for your time.
Should people who do not own cars be forced to buy car insurance?
so that the insurance would be cheaper for those who can't really afford the premiums? That's what Hillary wants to do with Health insurance. She wants to force young people who very rarely need it to buy it so that it would be more affordable for others.
What is a good cheap first car to get?
Ok so I'm 17.. learning to drive and want to know what would be a cheap to run but good car to have, whats cheap on tax/insurance etc.. I really have no idea about cars thanks""
Does anyone know of any dependable and affordable health insurance for young adults?
Does anyone know of any dependable and affordable health insurance for young adults?
What Vehicle has the highest insurance rates?
I friend of mine wants to purchase a Mustang and she was told that the rates in Georgia would be high....Does the color of the vehicle make a difference also?....I have heard the color Red would bring you into a high pay rage with insurance....not too sure so I'm asking....thanks
What kind of insurance do I need?
I know nothing about insurance and this past year I've had a few problems which I paid straight out of my pocket. Needless to say it sucked horribly, thankfully my parents were generous enough to help me :) I now need insurance and its almost March 31st. I have a bad habit of procrastinating haha. So I know NOTHING about how insurance works etc. What is Obama care? healthcare.gov? medicaid? covered california? (I live in LA) I dont need Health Care (healthcare.gov) to get insurance like Blue Cross or Anthem right? Why are people paying for healthcare PLUS whatever insurance agency they get like Blue Cross. I currently have NO income, and I havent worked for a year so no taxes lol. I know health care helps with something that involves taxes. I'd like to get insurance and I heard that Medicaid is good for people with no income, but I'm going to have a small income soon. Do I need to contact healthcare.gov or medicaid or coveredca to get insurance with Blue Cross? What do you folks recommend? HELP!!!!! What is the March 31st deadline for? Do I just need to apply by then? And is that deadline for just healthcare/medicaid/coveredca or is it for the actual insurance company like Blue Cross? I'm so confused... Btw, I'm male, 23, live in Cali, currently no income. Thanks folks! :D""
Can you get a car insurance quote If you can't drive at first?
I am only currently doing driving lesson's and don't own a car but am I able to get a quote if I can provide the detail's on what car I want roughly?
Does anybody have a clue if car insurance in florida in cheaper?
I'm 19 looking to get a camaro in Florida
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!""
My car insurance is renewing March 25th If i switch insurance companies March 1st?
Am i responsible for the whole amount of my insurance payment or am i responsible for being covered Feb 25 thru March 1st??
How much do you spend monthly on Repairs and Maintenance for your car?
Question is pretty straight forward: How much do you spend monthly on Repairs and Maintenance for your car? (Don't include insurance or gas) Thanks
Good military discounts for car insurance?
My husband is a Marine, we recently bought a new car and we're looking for good car insurance, preferably with a military discount! Does anyone have any experience with this? Thanks!""
Car insurance for a learner...?
im 17 now and want to start learning to drive. But what i want to do is buy a car, then get insured on it as a learner and have my dad take me out driving to teach me. i want a car like a peugeot 206, renault clio, vauxhall corsa, a ford KA or something small like that. does anybody know how much insurance will be for me as a learner? also im female if that helps!?""
Cost to insure a scion tc?
20 year old male, 1 ticket in last 3 years (oct. 2011). 2005-2006 automatic transmission, 2 door. What would insurance be on one of these? Thanks!!! :)""
Creola Alabama Cheap car insurance quotes zip 36525
Creola Alabama Cheap car insurance quotes zip 36525
https://www.linkedin.com/pulse/can-life-insurance-company-cancel-policy-within-first-luis-wolfe/"
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