#i dont think we have similar values/beliefs but i hope he gets back on his feet

[feeling-kinda-sad-ngl]

today i was stopped by this man on my way to my car and he was like excuse me, excuse me maam and like i couldnt rlly ignore him bc i was kinda facing him and it didnt feel too good BUT then i was like uh yeah? and he was like oh, sorry brother AND AARGGGH the rightness of that. like yes. im glad my voice is where it is

idk i just remembered that happened and im kinda drowning in dysphoria rn so that memory helps a bit

[hiss-and-vinegar]

Here’s an RP between Sir Pentious and @autokrates​! It’s from before their Picnic on the Weekend. This is just after @dontasktheradiodemon sent Alastor’s first letter to Pentious. Depression and Self Loathing are heavy things, and Sir Pentious is a man whose mind is quite complex and sick. 

TW for thoughts of self harm.

It is under a cut, and if that doesn’t work I am SO sorry, mobile users!

Sir Pentious He showed the first letter from Alastor to Valera, wanting a second opinion before he even thought to respond to it. Was it written with honest intent, or was Alastor mocking him further? She might have insight he didn't consider.

Valera "If you aren't ready and it still hurts you, you don't need to tell me! I'm sure I can judge this letter at surface value and come to a conclusion."

Sir Pentious "AH.......... HMMMM............" He does that He Is Looking Away movement...

Valera "Do you want me to read it and share my opinion as an outsider?" She is Looking....

Sir Pentious He nods... and hands it over to her. 

Valera Val will read the letter.... Consider her conversations with Alastor (via Vaggie).... "I think he's being genuine. Remember, this isn't the same man as the Alastor here. He sounds lonely."

Sir Pentious His eyes widen a little. As the Resident Lonely Man, Pentious scoffs.  "THAT ISS PERPOSSTEROUSSSSS. HE HASSS SO MANY TOYSSSS TO KEEP HIM OCCUPIED."

Valera "Oh, and did your work keep YOU from being lonely?"

Sir Pentious "THAT ISS DIFFERENT!!! HE LITERALLY LIVESSS FOR ENTERTAINMENT!!!!"

Valera "And you lived for your work, no? It consumed every waking moment of your time, didn't it?"

Sir Pentious "IT'SSS DIFFERENT!!!"

Valera "How is it different? Explain it to me."

Sir Pentious He IS LOOKING AWAY. Digging his claws into his sleeves in irritation. He can't. He can't explain the difference, except that he's stubborn and doesn't want to believe it. "ALASSSTOR ISS MORE THAN HAPPY TO BE ALONE, AS LONG AS HISSSS SUBJECTSSSS SSSUFFER FOR HISSS AMUSEMENT." Just like you, Penny!

Valera "Okay, that's the Alastor WE know here. Now what about THAT one. The one that submit this letter, something you know the Alastor here would never do?"

Sir Pentious He turns his head a bit more, rubbing where he pinched himself through his suit. "... I DONT KNOW. HE SAID HE WOULD GET MORE AMUSEMENT OUT OF WATCHING PAINT DRY THAN BE MY RIVAL. SSSSOUNDSS THE SSSAME TO ME."

Valera She snorts. "Sounds like he doesn't know how to deal with his emotions without lashing out and insulting others. Much like someone ELSE I know."

Sir Pentious His eyes widen again, and he turns back to her, hood opening wide. "NO! WE ARE NOT THE SSSSAME!"

Valera "The same? No. But you have similar struggles. You're a lot more willing to work with me than he'd ever be. I think if I tried to talk to him he'd deflect until he was blue in the face." She is STARING at this lil shit. What, you gonna deflect, Pentious? You gonna pull an Alastor?

Sir Pentious He's looking like he might Blow Up actually. He is flexing his claws as his brain feels like a Deep Fryer in 104 degree weather.

Valera What a BABY. But fine, she knows when to back down. A genial shrug, a spread of the hands in casual dismissal. "But of course, I've never met the man. That's just the impression I get from reading the letter. I have no further stake in this. Discard my opinion if you wish, you know him better than I do."

Sir Pentious HE IS SUCH A BABY. He SINKS into his coil to HUFF. "YOUR OPINION SSOUNDSS RATHER POINTED! ALASSSTOR ISS ALASSSTOR. HE BREATHESSS IN MY FAILURESSS FOR HISSS OWN AMUSEMENT. WHAT ELSSSE COULD THISSS BE BUT ANOTHER PLOY!!! I DON'T KNOW. I CANNOT TRUSSSSSSST HIM."

Valera Pointed? What, like the LOOK she's giving him? ".... I don't know why you asked for my opinion if you were never going to even consider a perspective other than your own. But alright, you're welcome to operate under that belief."

Sir Pentious .... He feels a frustration bubbling inside, and he has to ball his hands so he doesn't jam his talons into his tail. "CLEARLY!! I SSHOULDN'T HAVE ASSSSSKED. I WASSSSS A FOOL, YOU ARE RIGHT." Pentious, calm down man. Nobody's attacking you except you.

Valera She looks at bit hurt, but snaps her mouth closed before she can say anything. You know what? Fine. She's not even going to respond! She's just going to materialize herself a damn cup of tea and let him be a jerk to the BACK OF HER HEAD.

Sir Pentious He notices that look of hurt, and he feels suddenly like all of the juices inside of his body were suddenly replaced by bile. His eyes look insane and he feels those extreme invasive thoughts to punish himself. No, no, that's just instability talking. You unstable loser. Pentious quickly unravels himself so he can slither off to a corner and stew in his own brain.

Valera Val... Is going to take a bit. Finish her tea. Calm herself the FUCK down. And then the hard part is deciding if she wants to try talking to Pentious now or if she should let him have his Moment and talk about it later. On one hand, he tends to work himself into knots if she leaves him to the mercy of his own brain. On the other, is she really equipped to help? ... Maybe not. But she's going to go over there anyway and just sit Near Him.

Sir Pentious During her tea drinking, Pentious has his hands placed against the wall, flat--something he learned in order to keep his claws away from his body. He was always quick to attack himself if he could--digging his talons into his tail, deep as he could, to distract him from the anguish of his mind. He hated himself for hurting her, even just a touch. He used to love finding ways under the skin of others, to watch them writhe--and but hurting Valera? The thought of doing that intentionally made him feel like he should have hot tar poured over him. His claws tap against the wall, and he presses them harder against the surface. No. Oh, but teeth. Teeth were available. His arms were near.

And then he could feel her presence behind him. And he felt wretched all over again. Afraid to look at her--his hood fell down. What to say? He had given her the letter for her advice, and he'd made her feel so low. What a terrible excuse for a gentleman. He knew he should apologize, but he couldn't speak. He was still certain that if he opened his mouth, he'd say something awful.

Valera Well, it didn't look like HE was going to start the conversation. Not that he wanted to, most likely. The position he was in was... Somehow distressing to look at. Best to try and distract him. But she sucks at that, so. Uh. Hope being direct works!

"... Dearest. I'm not angry at you, and I don't hate you. What you said was hurtful, but I know you were lashing out from frustration and regret it immediately. So! I forgive you! Simple as that."

A shift, and she moves closer and to his right, leaning against the wall a few feet away from him. "Remember what I said during our second meeting? You're trying. Imperfect attempts count for everything. I see that, I understand that, I love you. It's okay to mess up, I'm not going to leave you."

Sir Pentious He's trying to take deep breaths--in and out, but they're getting quicker.  His gaze darts from left to right, up and down, like he's trying to focus anywhere but one place for too long--oh. His eyes are watering. What a pitiful state for a man of standing!!! Pentious grits his teeth, though they chatter from the way he's starting to shiver. He was trying so hard not to cry, it was tearing his insides to shreds. She reassures him that she won't leave him and that she still loves him, and that is enough to break him down like this? His mind is aflame with awful words for himself. But. He believes her. Of course he does. He couldn't believe in Alastor, but he could believe her. He looks like he's trying to pry his hands away from the wall, but. Hmm. It's like he can't. Oh, what a pitiful state for a man to be in!!! A man of standing!!!!

Valera Well, Pentious is a fool. He had the chance to walk away but now here comes Valera to gently press herself against his side. To wrap her arms around his waist and pull him closer to herself. A reminder that she's here. She's solid and real and Very Much Not Leaving.

"It's okay, honey. You can let yourself lean on me, I wont think less of you for having feelings. I want you to be open with me, for better or worse. I want all of you in my life, not what you think is acceptably up to standard. You're the love of my life and I want to be here with you."

A hand slides up to pull one of his own from the wall. So she can press a kiss to his knuckles. Mwah.

Sir Pentious He resists at first--when his hands come off the wall, he's afraid of where they'll go. One goes to his face, to cover his eyes, and the other to his mouth, to muffle his voice. She can reassure him so well, but he still resists. God, look at him... He really was such a mess. A choked sob which splutters out from between his fingers, and he shudders, crumpling on himself, though still against her embrace. Which leads him to fold himself against her, his body trembling as he sobbed. It's voiceless, for the most part, and he's trying to catch his breath, though it's nearly impossible with how shallow they were. He wants to say sorry, but he can't do anything and it frustrates him more. So... Pentious wraps his tail around hers. It's the only thing he can think to do while he's Preoccupied like this.

Valera It breaks her hearts, seeing him crumble like this. How long have these feelings built up to have enough weight to crush him so quickly? She squeezes him as tightly against herself as she dares, chest tightening with a vague, directionless anger at the world for whatever its done to leave her lover with these scars. No more. Bracing herself, she lifts him off the ground entirely, tail twisting around his as much to hold it up as to return his affection. And she carries him. The couch wont do, not this time. He needs bed, and covers, and pillows. Dim lights, and enough room for her to carefully, carefully, like he's glass, place him down and curl herself around him so it's just the two of them alone, the world is out that door and nowhere near them.

Sir Pentious The 1800s sucked, that's the gist of it. And Alastor sucked. And everyone who derived joy from watching him fail over and over and over sucked. Though he wouldn't word it like that. He clung to her, still struggling to breathe--but once they were hidden away in the darkness of the bedroom, it felt like he could allow himself to let go. His sobs finally had voice to them, and he could take in air. His hands moved from his eyes, only so he could hug onto his beloved tightly. Oh, Oh pitiful state. At this point, even he wasn't sure what had brought him to this!! It must have been so many things building. Oh, agony. Oh pitiful state. He can breathe, though, and he finally squeaks out an "I'm Sorry, My Dear", muffled against her neck.

Valera A pitiful life has been had by this incredibly sad singular pasta noodle. It showed in every fiber of his being at the best of times, and now with every sob shaking his body Valera could feel herself coming closer and closer to A Very Important Decision. But it could wait. For now, she just. Holds him close. Strokes his hood. Presses gentle kisses to his head. Let it out, Pentious. You've finally got someone willing to stay with you through your messiest times. "I forgive you, my love. Hold me as close as you need, let me be here for you."

Sir Pentious It's some time before he's able to breathe normally, and his crying has quieted down. It feels like the storm has ended, and he can think once more. Not in danger, no one was attacking, not even himself. Just warmth and safety from his lover. He should like... to stay here a little longer. Before their picnic.

Valera Oh? Have his feelings settled? Good! But she's established such a good rhythm, it'd be a shame to stop now. It's a moment of calm, just laying with him and doing repetitive, soothing gestures. Relaxing for both of them, really. Something to bask in. .... She WILL tilt his head back, just once. So she can look him in the eyes and give him her best smile. See? No hurt. No anger.

Sir Pentious It feels very nice, after that wreck he was in. His insides don't feel like vomit anymore, and he's just basking in her comfortable smell. Until she tilts his head back, and his eyes meet theirs. He swallows hard, and nods just a touch. She's okay. He's okay. He still feels shame, but it's okay.

Valera No, no. None of that now, Pentious. She gives him a scandalous little peck to the corner of his mouth, and runs her hand down the back of his hood. "Do you want to stay here a while? I think we could use a minute to relax before we go anywhere."

Sir Pentious A hand comes up... And he begins to run his talons carefully over her head fins. Pets for pets. "Yess, I should like to stay like thiss a while longer." He's whispering...

Valera Ah... She leans into his touch, eyes sliding closed as she breathes a pleased little sigh. That's the stuff. "We'll stay here as long as you want, love. But if you keep petting me like that I may melt on you."

Sir Pentious He snickers, smiling. There's the nice smile, with wide curious eyes. "Oh? Will you?" He will keep petting her, from base to tip, careful to keep it gentle.

Valera Oh, what a fool to tempt fate. She leans MORE into his claws, bumping against him like a cat demanding headscritches as her face relaxes into an almost sleepy looking, blissed out little grin. Here come the purrs.

Sir Pentious OH! the purrs!! He grins, and offers many scritches. Valera... Cute. "You are adorable."

Valera She'd protest, but she's too busy rolling on top of him to start rubbing her face against his chest. Purrpurrpurrrrrrrr yes keep scritching, she's gonna worm.

Sir Pentious HE GASPS, holy shit she wasn't kidding. He removes his hand... Tentatively....

Valera Her head shoots up and she Looks at his hand like it just betrayed her... And then she just lays it back down on his chest and keeps purring. Softer.

Sir Pentious He smiles.... HMMM... "WHO WAS IT THAT WAS GIVING YOU TROUBLE, VALERA?"

Valera "Mmm...? Oh, Erethis... He's an ambassador for one of the newer species. He likes to schedule meetings when I'm on break and then show up to bang on my door and try to tell me off for not showing up, fucker that he is."

Sir Pentious "MMM. I SSEEEE." He grins so wide, it's up to his eyes. "SSEND ME TO HIM IN YOUR SSSTEAD, ONE OF THESE DAYSSS. I INSSSISSST."

Valera She cracks an eye open, peering up at Pentious just to see if he's as serious as he sounds. Goodness, look at that grin. "Aw honey, are you offering to kill my enemies for me? You're so sweet."

Sir Pentious "OF COURSSE, MY DEAR. I WOULD KILL FOR YOU." his tongue flicks, and he nuzzles against her. "NO MATTER THE COSSSST, AND THISSSS ISSS PRICELESS."

Valera "I. Oh my gods? Babe.." She's flustered? She shouldn't be flustered. But she IS and it's EMBARRASSING. Fine. If he's going to be cute, she has to kiss him now! It's the only solution.

[matazz]

letters roy endoza never sent

so i wrote these because i wanted to write out roy’s feelings to the party members. it was mostly a way to vent, but during the time, i really did want to send them - but my DM never let me (if you’re reading this LOL).

there’s something a bit sadder about it being letter’s he never sent.

in my head, he left along the journal that he wrote as well with the letters he left behind. i guess canonically i can say that the party never ended up finding them. 

group letter (written after roy left the party & before the gala)

for the group, i had fun while we were charading around finding ancient artifacts and solving puzzles. i’m going to miss our adventure, but i have to leave. i’ve involved myself against the fate of the universe, a crime against all odds. i’ve loved knowing you all and you’ve all helped me so much but i dont want to involve you anymore in it. more importantly i feel as if that my actions may draw a rift in your beliefs and i dont want to seperate that bond. please do not look for me. i’m afraid i serve no purpose in this mission with the champions anymore. i dont think the gods (and even myself) consider myself to be a champion anymore. to be quite honest with you, i don’t know what the consequences are or what might be from my actions but i will deal with it myself. i’m going to be honest. i appreciate all of you, and you’ve helped me in learning so much. about the world, magic, and other people. but i don’t want to involve any of you in my life and i don’t want to see any of you ever again. please do not try to contact me or find me. this is my departure letter. i am safe, and i am well, and i dont want to be involved with the champions anymore. i hope everybody does well. i’m sorry i left without saying anything but it had to be this way. it’s better for me this way, for everyone. i’ll stay safer this way. if the gods tell you to locate me, please ignore them their calls. i can not say why, but if you trust me at all, please believe me when i say i’m safer not meeting you. sincerely, roy endoza.

To the group (i think this was written the day of the gala, but before the Thing happened)

To the Champions, I’m not sure when this letter will deliver, so you might receive it a bit late. I’ve left for a while to pursue my own goals and research some things. I'm not sure when I'll be back, or if I'll even be back at all. There's been so much nagging at me that distances myself from all of you and I don't really feel like I belong so much anymore anyway. I don’t know whether or not my research is going to succeed, but if on the event that something happens, please don’t look for me. To be quite frank, I don’t really want to involve any of you in my research and I’m afraid that meeting you is only going to be a liability to me. On the unlikely event that my research turns out to be negative, I'll come back; however if that’s not the case then please don’t try to contact me and do not look for me. I can not stress this enough, but what I’m about to go through with is going to upset the gods and more importantly, all of you. It hurts to leave like this, but I have to say farewell. I loved travelling with most of you and I’ve learnt more about the world than I ever could have just staying at my house in Origin. Thank you so much for the adventure. Perhaps for the last time, Roy Endoza.

To Ayce (written the day of the gala i think)

Ayce, I’m sorry I wasn’t able to talk to you before I left. To be honest, I couldn’t bring myself to do it and I haven’t had the time or the nerve to say anything. I regret all of that, but you deserve at least something before I leave. I can’t continue our relationship.. I’ve felt distant for a while now, and it’s been nagging at me but I don’t think we’re good for eachother at all. I’ve been a dishonest man to you despite the fact that you’ve been honest with me the entire time. I know it makes me an asshole. You deserve so much better than I could ever be to you. I wish there was more I could say. You've probably figured it out already, and if you have then I already know it was pretty selfish or stupid of me to start this relationship despite the fact that I've known all along how it was going to turn out. You don't have to forgive me. I wouldn't either. And if you haven't figured it out, then I hope it wasn't so terrible for you. I've enjoyed my time with you. I hope you find someone better. Roy.

A letter to Ayce (written like the day roy left)

ayce i have a lot i’ve been meaning to say to you but havent had the time or the nerve to say anything. but i need to say it now because you deserve these words. i can no longer continue our relationship. i’ve redeemed myself but in doing so, i’ve gone against the world; but more importantly, to you. i love you very much, and i wish i could have come to the ball with you and danced. i would have loved to; but i have a lot going on and i dont want to involve you, or anybody else in our charade, involved in my problems. i’m sorry i could not say it to your face. i hope life treats you well. you deserve so much better than i could ever have been. with love roy

Letter to Ayce (dated from the week before roy left)

ayce i’m writing this because i didnt have the nerves to say this in person, and i apologize for that. to be honest, the more time passes the more o begin to think our relationship was a mistake, so i’m officially parting ways. i never lied when i said i love you. i still do, but i just dont think it has worked out or even will. i think our morals are too different; and i cant find myself being with somebody who finds it so easy to murder a person. no matter how terrible she was, i thought that you of all people may have disapproved after experiencing death already. i also found myself attached to Fox, so his leaving leaves a hole in my heart. ialso despise Atlas; but i digress, none of these are even the main reason i’m leaving. to be quite frank, i’ve never seen this mission with the gods as important. my dreams, my goals, my redemption; they will always be first. this mission with the gods has just been seen as a side quest for me. partially because i don’t trust the gods myself. if we take everything we’ve heard at face value, then why should i trust God’s that have left the world to ruins before? they don’t even trust us enough to tell us what has happened in the past. in my opinion, they’re either incompetent and lazy or not telling us the actual truth of what we’re doing; or even what they’re doing. they aren’t powerful. if they were, they could retrieve the keys themselves or defeat beshaba’s group themselves. i just can’t bring myself to want to do a mission anymore where i have to obey people who can not trust us enough to let us know basic information. meeting you was a bonus, but i think it’s time for me to move on. this wasn’t a decision i’ve made because Fox left; i’ve been thinking about this for a while. neither my goals or morals align with anyone elses. i want to be good, but i’m only a wench in a perfectly working clock. as of recent events, i also don’t want to explain myself to Atlas of all people, but i can’t bring myself to tell you about myself either. i may return, if only for more information or perhaps even the gala; as much as i do not care for the gods, i’m still interested in the keys and the power within them. if i meet you there, i know it may sound selfish to ask, but i hope you may give me one last dance. roy

a notebook. it’s a bit worn out and has some torn pages.. it was left behind with roy’s stuff and all the letters

‪entry 47‬ ‪[torn out page] ‪entry 53‬ ‪i’ve retrieved a letter from a dream telling me to visit latham and retrieve a key. i’m curious, so i’ll check it eventually. it was definitely odd.‬ ‪entry 55‬ ‪i met a young boy. his name is fox. he’s some sort of shapeshifter. he’s quiet, but his presence is nice company. he also received a similar letter to mine. i have a feeling we’ll be travelling for a while.‬ ‪entry 62‬ ‪we retrieved the key & met some other ppl with letters too. we’re heading to a trinket store back in origin now. i dont wish for them to know of my life so i’ve found a way to steer them as far from possible to finding out about myself. i’ll probably visit ma too.‬ ‪entry 63‬ ‪an elf woman named leera attacked us after i told her i wasnt going to give her this key. i dont like her. she seemed very cocky.‬ ‪entry 65‬ ‪delilah is kind.. i feel like i’m able to trust her. i asked her a question about my goals, vaguely, and it turns out that ayce asked a similar question. based on the message in his later i get the feeling he’s undead.‬ ‪entry 66‬ ‪[torn out.] ‬‪entry 69‬ [‪torn out] ‪entry 72‬ ‪we’re travelling to copper coast now for another key. if it werent for ayce, i wouldnt see any other reason for me to come. fox is still around, but i feel like he's doing his own thing. the other two arent big presences for me to care about.‬ ‪entry 73‬ ‪atlas is a werewolf? i didnt think those were real. this group keeps getting stranger. first a shapeshifter, second an actual living zombie, third a werewolf.‬ ‪ive continued my lie to the rest of them. they all seem to have believed me, strangely enough‬ ‪entry 74‬ ‪copper coast was very pleasant. i wish to come back someday.‬ ‪entry 88‬ ‪this trip to clandesteine has been a disaster.. what the honest fuck‬ just happened ‪entry 90‬ ‪fox told everybody about himself, finally. i feel this huge sense of pride?? i’m very proud of him. i dont understand why i feel so attached to him but i adore him so much‬ ‪entry 92‬ ‪((incoherent scribbles, kinda like “vsdjfsasifwnqkosdkv”)) i think i accidentally implied to ayce that i love him romantically and i think he loves me too... i’m freaking out and i dont know how to react... i think he thinks i’m cool and romantic but i didnt mean to be. ‪entry 93‬ in all honesty, i just wanted to tell him he needs to be more cautious of me. a part of me wishes he could figure it out himself so i dont have to tell him. ‪seriously! i dont know how i did that! i do love and adore him too but i feel like shit.. i dont deserve him, especially considering who i am. on the other hand, i hope he never finds out the truth about me.‬ ‪entry 94‬ ‪oh my god. atlas killed a man and ayce and fox proceeded to tell the guards. i feel sick. i’m currently at home but if they say my name at witness testimony i’m royally fucked. i dont know. i might just run for it and live in myr’s peak. maybe no one will find me.‬ ‪entry 95‬ ‪the group managed to get bailed out using ty’s name. benefits of being friends with rich people?‬ ‪fox found my poster though, so he saved my name during eyewitness testimony. i told him the truth. its been the first time i told someone how i really felt. he wants me to tell ayce but hes the last person i can tell. ‪entry 97‬ ‪we’re in lunarden! it feels nostalgic to be back. i want to go back to every place i miss. i took ayce to that me and nori used to go to back in high school. i think shes currently performing in solardome? i miss her‬ entry 97.2 ‪i came up with a few different ways to complete my goal. i have a few more probing questions, but i will have to ask later. i think i’m getting closer to the answers‬ entry ‪97.3‬ ‪[scribbled out over so that you cant read it] ‪entry 98‬ ‪i’m planning to get completely smashed once we get to solardome. i feel like i deserve it.. ive been pretty stressed and havent got laid. i’m crying remembering that ayce might not even be an option.‬ ‪entry 98.2 ‪i love ayce so much, and its confusing. am i just sexually frustrated? am i just lonely? am i just

sad? i feel guilty because it tears me apart. im confused because i love milo still, too. i know i should tell him the truth, its whats right but i know he’ll hate me. i dont know what to do. (extra note inbetween the pages, torn out but still there: to mom. i love you venhfrhdy mcuh. thank you fir everhything. yes. roy.) entry 98.3 what happens if i succeed? i hope ayce doesnt kill me. entry 100 ‪good morning. ayce & i are officially dating. were in solardome atm; i dont remember much of last night but i remember thinking he‘s beautiful. is it wrong to fall for him?‬ ‪entry 101‬ ‪[torn out] entry 101.2 [torn out] entry 101.3 ‪the blackness on my fingers has risen up more than it has before. its almost hard to write with my hands anymore. [the rest of it is torn out] (torn note inbetween the pages hi ayce. its unrealistic you'll ever find this but there's some things i want to say. back when we first met, i lied to you as a reflex when you asked me why i'm dealing with necromancy. to be honest, i could kind of gather you were undead, but i still lied anyway. my story is personal, its hard for me to be honest. i know i'm an idiot, and i'm sorry i used you. to be truthful, i still am a horrible person and for the entirety of our relationship i've already known that i was using you and i've felt so guilty about that. my feelings are complicated, but i've never lied when i said i loved you, and i still do; but i still want to bring milo back. i made a mistake and i want to fix that. the truth is that i still love him too. i know you deserve better. i'm sorry about lying to you. roy) entry 102 a dragon made us experience our dreams and nightmares. jade's scared of blindness and bugs. a valid fear, in a way. and she was dreaming of doing shows. i think it was supposed to display a feeling of happiness and joy, but it was just spooky since we all experienced her dreams with no sound. i never realized how scary it was to be deaf until i experienced it. atlas' was morbid. people were dying and there was so much gore. then there were people saying they owned him. i knew he was a bad person but it was scary to see all of that again. he dreamt of a workshop with a girl and a young boy. it seemed sweet, with a tinge of nostalgia. i would have never expected him to have dreams. he just seems like a horrible person with no sympathy to me, but i guess he has feelings. i still think he should go to jail, but i feel like he'll just try to kill me if i say anything instead. fox's was sad. we got thrown into a void of empty space where we were surrounded only by dopplegangers and a vaguely humanoid figure. he seemed so lonely and upset. he's scared of being forgotten by us and that made me so sad. i adore him, and he's grown a lot since we first met. i gave him a hug when we went into his dream sequence. i hope he knows i will never forget him. his dream was sweet. he just wants to save people and hang out with us still. i think he'll go far, and i would love to be there for him still when all of this is over. (there are about 2-3 pages with entry 102 that are torn out) entry 103 a new discovery. the world isn't flat? the god's are using their powers to “lock off” the rest of the world. apparently sanctuary is only a small part of the world. that was a really weird discovery to find out? it's kind of hard to believe, but at the same time, not. apparently they keys we've been collecting hold the respective power of the gods, and they're used to “open” the gateway. i have no idea what that means. apparently beshaba wants to use our keys to do exactly that. and also they can kill the god's? entry 112 when we came back to lunarden we discovered that delilah and allen were kidnapped by atlas’ syndicate. i knew atlas was trouble. i hate having to associate with him. we’re going to save them yet it makes me nervous. entry 114 i feel like i almost died in there. we saved the others and no one was hurt though. we’re going to trip back to lunarden and then travel through the travel gates back to origin to try

avoid people. allen mentioned something about strange readings. i have a feeling i know what it is. i’m going to ask lathandar questions. entry 115 nvm we encountered leera. this group genuinely scares me. I’m travelling with people who are down with murder. i should seperate. she uncovered my posters to them and i want to die. she also mentioned the last key at a ball. i need to bounce. lathandar also confirmed my suspicions last night. entry 116 fox left before i could. i feel bad. like maybe it was my fault. i miss him. we have to continue though. entry 117 its so hard to find a bag of holding. i just want to have this spirit stone around without having it in the open. entry 118 we’re in origin now and delilah let me rent out her bag of holding. an absolute kind soul. we bought tickets to the ball. so expensive. i wish i didnt do that. entry 123 [torn out] entry 124 [torn out]

[missdipsomaniac]

This is a funny thing to write , really. It’s quite not cute to write about your singleness is it? But i think I have enough good reason to blog about this season I’m currently at. And I hope this speaks plenty to the many still singles around.

The past few months, I was filled with thoughts of getting married. How could I not? most of my friends are getting engaged, getting married and getting pregnant. And dang, I’m in my late 20’s ! As compared to men, we can get frantically worried about building a family before hitting 30. As I can recall back when I was a little younger my age, I pictured and hoped to be married at the age of 28. Lo and behold, I am still single and no I dont consider myself exclusively dating-just yet.

The past few months I was having these thoughts were the same months I was being given attention by men one after another. From coffee invites to movie dates to just simple constant messaging on social media. I dont for the life of me consider myself a drop dead gorgeous woman. In fact, there are certain days I feel completely opposite. I don’t strike conversation ahead of them neither allow myself to do the first move no matter how attracted I may be to someone (the boldest thing I did was to add some men I admire on facebook). despite my somewhat old fashioned belief, to my surprise, some find me interesting-at least-probably. And honestly, just like any relational human being , I was finding it cute and uplifting.

So why am I still single despite few others expressing their desire to want to get to know me? I’d simply put it this way-which may be ambiguous but speaks affluent truth.. You see, I was no longer looking for a boy who’ll sweep me off my feet and make me giggle every time. I was no longer looking for mere sweet-somethings, I was looking or should I say, waiting for a man who may not have it all together but has the backbone to have to try.I was looking for a commitment, a partner and a help-meet. .I WANTED TO FEEL A CERTAIN CONNECTION. To date, I haven’t really felt it yet.

It’s not about having high standards really. Men would always box us in as if we placed ourselves too high on a pedestal we seem unreachable. LIE. Women’s standards are realistic and attainable. Men just dont have the balls to exert effort and see if they fit the bill. Much more, courage to endure if they don’t.

Connection. Why is connection important ? Tight Relationships are more likely to form and endure when couple shares the same ideas, values,desires, principles and interests and oh I dont mean to say we have to be the exact DNA of each other, no. We have to understand that a common ground has to be established. They say opposites attract but that didnt prove to be always true . Even scientific studies prove its unlikelihood. If I were an adventurous, outgoing , well rounded woman, what are the chances my relationship with someone who is a stay at home kind of person, introvert be of much success? I mean no offense to others whose relationship is a success despite being completely opposite because certainly, there are and there will but I was talking about the likelihood. Percentage and numbers on quite a few studies proved to be true -that successful relationships are those that share similarity more than the differences.

Waiting is gaining. Cliche as it may seem, singleness is a gift not everyone had a chance to enjoy. I cannot downplay this gift for this is where I found myself more productive, more purposeful, more knowledgeable, more independent and more mature. This season is riping me up for harvest (next season). It’s quite funny that the books I’ve been raving to read are books about marriage when I am not even in a relationship and no way near to it because apparently, no one has levelled up , to say the least. Nonetheless, it gives me so much wisdom I am sure to thank myself for having to know early on. Marriage is no walk in the park and just as news about divorce and annulments arise left and right, we may be quick to question if not get fearful about it. Surprisingly, even hollywood superstars are no exception. The couples we were rooting for ended up seperating their own ways. You see, money, fame, status and beauty cannot make a relationship work. It’s an uphill journey one must be willing to endure. There’s no specific formula nor a book who could offer a perfect relationship advice, really. But given the ample time to prepare and learn about it seemed to be more beneficial than having none. The waiting season has had smoothen my rough edges and more importantly, had me countless realizations on self discovery. There’s no greater joy than feeling happy on your own skin and being able to accomplish anything at your own pace and time. Sure, waiting is not as easy as cutting potatoes- it may be tedious, tiring and demotivating but having a positive perspective on its process makes a whole lot of difference.

What to do. Single hood is the season for cultivating yourself, your relationship with others and your relationship with God among others. This is the perfect time to hone your skills, to build community and to know God more deeply in a personal level. For self discovery, go travel, dine alone, watch a movie alone, read more books, attend trainings, hone your talents , learn to cook, do the laundry, volunteer to outreach events and anything in between you could think of to become productive. Build a strong relationship with the people around you specifically your family. Meet with friends, be present on family occasions, organize gatherings , socialize, be present. And above all, in whatever you do, include the Lord heartily. Engage in church activities, read your bible, be consistent with your devotions, join a ministry and share His love to others. There is no specific checklist really. How you make use of your time determines your priority. A productive , fulfilled and happy single life will most likely lead to a happy and fulfilled marriage too.

Who to choose. I’m no relationship guru and not trying to be one. I have had a fair share of relationship mishaps over the years. I saw the difference between a man who fears God and a man who doesn’t manifest a God in his life at all. It’s clear to me what kind of partner I’m looking for. Whether you are a man searching for the right fit or a woman waiting for the right one , pray for someone who loves God more than anything. Sure, Every person who marries is a sinner, so the search for a spouse isn’t a pursuit of perfection, but a mutually flawed pursuit of Jesus. If it scares him that I have a relationship with God, should it not scare me more to have someone in my life intimidated by what’s supposedly he should be looking for in a partner? When push comes to shove, will he stick with me after finding out we were not as “compatible” as we once before? Or will he marvel at God’s love and live it out in light of our differences? We gotta discern well.

Yes, society may pin down on our throats the urgency to get married but clearly, we should know better than them. Giving parts of our hearts to someone is a significant risk. We don’t really need to have our hearts broken, shattered and bruised to find what we’re looking for. Timing has been one of God’s little secret. Not too soon and not too late. I always remind myself of the verse from Habakkuk 2:3 “for the revelation awaits an appointed time; it speaks of the end and will not prove false. Though it linger, wait for it; it will certainly come and will not delay.“

Yes, I may be single in my late twenties but that doesn’t make me any less of a woman. Im saving the best of me and not what’s left of me for my spouse.

[justsomekpopstuff]

11 Questions Tag

I was tagged by @lovelycheollie (thank you lovely!) 

I was tagged twice, so I am going to put it under the cut. Thank y’all so much!

PART I

A phrase you say whenever you’re shocked/surprised?

It depends on the surprise. It can very from “oh my goodness” to “holy shit what the fuck”

Something that you can’t sleep without?

This is going to sound really stupid, but I have a plushie elephant that I’ve had for ages that I need to have on my bed in order to sleep...

What’s the first merch you bought?

For kpop? It was the Teen,Age album from mah bois Seventeen!

Favorite thing about your bias?

Does everything count? I think my favorite thing about Shua is probably his overall personality. I love how he is very soft and gentle, but also a giant dork. Its one thing that I just am a huge sucker for, and I love it. Also, his gentle voice is incredibly calming and I can’t help but feel at peace whenever I hear it.

Name two songs you fell in love with

Water Under the Bridge by Adele. I love the beat and the sound. It really just flows and I love listening to it.

Habit by Seventeen. I don’t know what it is about this song, but every time I listen to it my heart just stops. I just have to stop what I’m doing and listen to it. Its incredibly beautiful and well put together and I love listening to it. 

What do you think about the Kpop industry?

There are definitely some shady-ass parts of the industry. I will not deny that it does have its fair share of scandals and abuse. One thing I do appreciate though is how unbelievably organized it is. Western artists don’t give a crap when things drop or when an album comes out. I appreciate knowing when new music will come out so I dont have to worry about missing it

Do you have any skin care routine? Share it to me~

I dont really have an interesting skin care routine. In the morning I wash my face before putting on a layer of sunscreen. At night I take my makeup off with some of the Burts Bees makeup wipes (those things are a godsend) before putting on some aloe and a moisturizer from Bare Minerals. That’s pretty much it. I drink a lot of water too, I guess.

Things you do when you fail at doing something?

Depends on the failure. Something small, I just apologize a lot and try and fix my mistakes as soon as I can. If its something bigger...well...thats another story for another day.

Darker hues or lighter hues?

I prefer darker hues, tbh. I think it really depends on the season and how im feeling, but i wear mostly dark hues

If you were given a minute to be with your bias, what would you do?

I would tell him how proud I am of him, first and foremost. Then I would tell him how much I appreciate him and that I hope he takes care of himself.

What’s your plan for 2018?

I plan to be better. That’s my overall goal for the year. Every day I am setting up a new thing to focus on that will help me be a better version of myself. 

PART II

Okay I am wondering but who do you ship me with?

I see you with Seungcheol, obvs. You have that independent and loving energy that I feel he would match well with. You just have that persona that I feel he would really enjoy.

Why do you think you’re compatible with your bias?

First of all, like half my mutuals have said we’d be compatible, so there’s that. But I feel like overall we have very similar values and personalities. We both have that same brand of dorky, nerdy humor. We both are very open about our beliefs, but also care for the advocacy and well being of others. But I also feel like he would be the most patient person that would balance well with my “force of nature” anxiety and stuff. That’s the basics, I guess.

What’s your horoscope sign? What does it tell bout you?

I am a Scorpio, and it says A LOT about me. I don’t trust very easily, and I heavily value loyalty and honor. I am a very passionate person and I truly care for the things that matter to me.

Are you the passive type or the agressive type?

I’m passive aggressive...I get it from my dad...

jk I am sometimes a bit of both, but there are times when I have the tendency to be aggressive (hence the “force of nature” anxiety comment earlier)

Favorite comfort food to eat?

It depends on what I have access to. I have a massive sweet tooth, so if I can get my hands on some chocolate, thats what Im gonna go for. But, if I am out and about, theres a place near where I live that makes Hungarian chimney cakes, or kurtoskalacs that are TO DIE FOR (think if a churro and a donut had a baby. thats what it is. its perfection). My mom’s family is Hungarian, and so whenever I have some, it reminds me of them and always makes me feel better.

What would you do in your first date? Or what did you did? *insert lifting of brows*

All right kiddos, STORY TIME. I’m going to tell you about the stupidest first date in the history of the world. So, my first date was a group date. It was when I was a freshman in high school, and the movie Red Dawn had just come out (for those of you who don’t know, it was a remake of an 80s movie where a small town got invaded by a foreign nation and this ragtag group of kids had to help take it back).  SO, me, my boyfriend at the time, and my two friends who were also dating went to go see it--BIG MISTAKE. There was so much death and jumpscares and overall was a HORRIBLE date movie. BONUS, my boyfriend at the time and I could hear out friends making out in the row behind us. MOST AWKWARD THING EVER.

If you accidentally meet your bias, what would you do?

I would be internally dying, but on the outside, I would do my best to keep it professional. I would be feeling incredibly flustered, but I would do my best to keep it together and let him know how much I love and appreciate him, and that I hope he takes care of himself (bc i worry about him constantly). In other words, I would fake it till i make it

Mention someone you want to be friends here 💕💕 it’s 2018 meet new friendss

All the mutuals that I don’t get the chance to talk to very often!

Give a message to your mutuals

I love you all so much. You have given me so much love and support that I do not feel worthy of. I went through so much crap in 2017 and you all stood by me and made sure that I was doing okay, and I dont think there will ever be a better way for me to express my gratitude. In this coming year, I hope to repay you all for how much you have helped me. I wish you all the love and joy you could ever imagine, and thank you.

What do you to in order to “escape” something?

It depends on what you mean by “escape”. If its a small problem or job that I dont wanna do, I just ignore it and hope it goes away. If I really need to escape something or feel like i am just in a rut, I will put on some music and dance. I specialize in contemporary/lyrical dance, and it really helps me drown out the world for a little while. Either that or im jumping around my room listening to Fall Out Boy bc they are amazing.

Do you have message for 2018?

2018, I am going to make you my b*tch. Come at me bro.

I’m not going to tag anyone specific/write more questions because I am too lazy and tired to do it. But if you’ve read this far, thank you, you’re amazing, and I’m proud of you!

If you do want some questions, just shoot me a message. My ask box and chat are always open.

[thezhark]

Equality

Ya know i get so sick and tired of people complaining about how all they want is equal rights for everyone. That is such bullshit and lies. Lets take a look at what REAL equality is. The fact that everyone on this earth is what, a human. We all breathe we all bleed we all live we all die. Its not about the color of our skin or the country we are from or whether or not we have a penis or a vagina or neither or both. Its not about our sexual preferences or religion, or how much money we make, or where we live or what we eat or drink or smoke or any of that. People say they want equality, but in asking for equality you are denying that very thing for everyone else. Now at this point i know the sheep are like whoa hey man that’s not true you are a racist bigot blah blah. But lets stop that thought process right now, nip it in the bud and lets continue, i will explain everything that i believe. When a specific group asks for equality they have now separated themselves from the main group. I understand the need to fit in, to have a place to find a purpose with oneself. For some its sexual preference, for others its the color of their skin, for others its a particular entertainment group that they identify with and as such are labeled nerds, or geeks. For others its religion, whether it be a cult, Christianity, Muslim, Buddhist, Asatru, or whatever. Also i am going to digress just to point out how much equality is absent in this world. The words Christianity and Muslim and Buddhist, obviously large religious sects had a spell check option with the first letter being capitalized, while Asatru did not....why do you suppose that is? Do you think that those who believe in the old gods have any less faith then those who follow the larger religions that think themselves superior? I for one do not....and yet they are not allotted the same respect, nor the same opportunities, simply because its thrown into a single “Pagan” category. Does that sound like equality to you? Ok back to my original point, everyone wants to fit in, to feel like they belong somewhere, to the point that they will sacrifice everything that they know and hold dear to themselves and what they no is right and wrong. A good example would be the Jonestown incident. He was able to recruit so many people to his cause just by giving them something to believe in, a hope for the future for comradeship, just for something to grasp and somewhere to belong. It has been the hubris of mankind since the beginning of time there are the strong, and there are the weak who will follow them. Lets look at Adolf Hitler. How many people had to have known what they were doing by massacring millions of people was probably wrong. And yet it continued, why? Because the weak will follow the strong. Rather then allowing other people to tell you how to feel or to make you think the way they want you to think, learn to free yourself, free your mind. Re-think everything that you hold dear right now, take all of your rhetoric all of your beliefs all your faith and values and virtues and honor and pride. And throw it all away. Empty your cup, so that you may fill it again with everything. There is more to that statement then just equality but lets start there. Whites and blacks and racism.....what a joke. For a people obsessed with something that no one who suffered through lived through to this day, it is still being used to make people feel sorry for them....example, “ black people were enslaved for years, we deserve free healthcare, free money, free college, oh and the right to be as racist as we want for years even though we suffered from racism for years and should no better then everyone else”. Does that hit too close to home for some of you? Well good, lets take it further. I saw something the other day, a movie called Dear White People explaining what it is like being black in a white dominated world.....now dont get me wrong that may have been true 10-15 years ago, but it isn't now. On social media there is a word going around called Whitesplaining which seems to be okay. Lets take a look at if the situation was reversed, their would be an outrage, and yet in similar situations of where “black” people think they know what its like to be “white”. And so i say its blacksplaining. But lets throw all the bullshit garbage out for a second....Who said it was okay for us to just throw people with different skin colors into a category of just black and white. That is the problem with the world today people think there is a black and white a good and evil a hot and cold. Almost always it is impossible to separate everything into such easy categories. Grey is in everything there is always light skinned people who are stuck in between both of “white” and “black” there is always warm and there is always neutrality. And i know what i’m going to get from this revelation, “ well you dont know what the fuck you are talking about honky, you wouldn't know racism if it jumped up and bit you in your cracker ass”. Am i right? Well lets review that statement....and now lets move on :) . Having lived in Sharpstown, Tx for an extended amount of time, a favorite nickname i was referred to was white boy. Now like i said before, had the situation been reversed and i replied whats up black boy what do you think would have happened to me? Being one of 2 white males in the entire school, you can imagine what it was like. Or if you are close minded and ignorant you cannot up to you if you want to free your mind of what you think you know. Eventually i got tired of putting up with it and i learned to fight back and not deal with it. Why? Because it was wrong and here is the winner, racist! My favorite is when i see people post online that black people cant be racist that makes me laugh the most. Lets look at roles in movies, because of “racial equality” it is okay to cast black people as hmm lets say Heimdall, Human Torch, Deadshot, just to name a couple. But they always manage to get the black roles right, they always manage to have black actors play black people. Is that bullshit? Hmm lets see what if we had cast someone white to play Django, or Luke Cage, or Shaft, how about Martin Luther King Jr.? I’m guessing some people would have a problem with that....So tell me how is that equal? What if we cast Jackie Chan to play Malcolm X would that be okay? Because if not, then it isn’t equality is it? I’m finished for now but if you have any questions or comments or anything i wont shy from any of you feel free to message me :) . I would prefer to keep it intelligent but i know that that’s probably not going to happen Haha. So thank you for your time if you read all of this, i know i have a lot of incomplete thoughts but i would enjoy discussing them further if you wish. My door is always open.

-The Zhark

[decadenttimetravelmentality-blog]

oregon insurance jobs

"oregon insurance jobs

oregon insurance jobs

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

RELATED QUESTIONS: 

I work per diem and have no insurance. do you know any good insurance that is affordable?

I am also a student so I need something that won't break the bank and that I will hopefully be able to use after school

I was in an auto accident without insurance. What am I facing?

I was in a car accident yesterday. I live in California. I had no insurance at the time, although I was unaware that my girlfriend had not sent in my quarterly paryment and was actually driving without insurance for almost 3 months. The day after the accident I went in to the Highway Patrol's office and spoke to the officer who took the report and informed him I discovered I had no insurance. He didnt seem all that concerned and thanked me for going in. As for the accidnet itself, I belief I will be found at fault as I did not brake in time and rear end a small car who in turn hit the car infront of her. I was traveling at about 30 mph when I started to brake and I heard the firefighter at the seen tell the chp he thought it was 25-30 mph. If anyone could tell me what I am facing legally and finacially. I read online I will automatically have a one year driver's license suspension. Is this accurate and is this all? WIll I ge a ticked or fine? I would also like for someone to rule out jail time. The driver immediately infront of me had good damage to the back of her car and was taken to the hospital with minor injuries. Her daughter called me the day after the accident and told me she was at her house but wanted her car fixed soon because she wanted to return home in another state. I suggested she call her own insurance and let them know I was inot insured. THe other driver in front and her passenger were also taken to the hospital with minor injuries and their car had minor damage when I looked at it at the time of the accident. I have not heard from them. Financially can anyone tell me what I am facing? I understand I will be responsible, but I also understand that the other parties' insurances will have to cover their own drivers. If so will I simply be responsible for their deductable. I am more concerned with the legal aspects than the financial. I am an single father of three and need to be there for my kids. Thank you to whoever can help!""

I have cancelled my old insurance with a company and i need a renewal notice to get cheap insurance.?

i have called the old company is asking me why i need the renewal notice from them. they told me they have put it in the post but i did not receive anything. the only mail i received, was the sorry to see u go mail the next day after i cancelled the policy. With the notice i can show i have a 6yrs no claims discount. How do i get the old insures to send me the notice with the no claims or do i just tell my new insurers to contact the old ones. Please this is urgent. Serious answers only""

Can An unlicensed person buy auto insurance for their car and have other drivers?

My husband owns a car but has no drivers license at this time. He wants to insure his car and have friends drive. Is this possible?

Are automatic cars cheaper to insure for young drivers (UK)?

Are automatic cars cheaper to insure for young drivers (UK)?

Car insurance lapsed? opposing insurance sends letter saying im liable.?

Long story short my insurance lapsed. I got into a car accident where i was backing out of a driveway and as i shifted the car into drive i was backed into my side driver door by ...show more

Car insurance without a license? Help?

Hi. So my dad just bought me a car in Chicago. We live in North carolina. I need to transfer the title and get it registered, but i think i need insurance first. I also need proof of insurance to get my license. I dont know who will give me insurance without a license and a car that hasnt been transfered into my name yet in North carolina. So what do I do? what insurance companies have policies for somebody like me where i can spend a decent amount. I'm think 250 max a month. and yeah my parents dont wanna put me on their insurance.""

Has anyone had experience w/causing a car accident & how much your insurance goes up?

I just got into a car accident & I was at fault. It appeared to be minor, based on the small dent in the other person's car, but the couple both have soft tissue injuries. I have no accidents or tickets on my record. I'm wondering if anyone out there has been in a similar situation as me? How much did your insurance go up? I hope this couple doesn't lie about their injuries or embellish them and I hope their injuries don't turn out to be serious. It is too soon to tell. Thanks.""

Can i get braces free from insurance?

I reallllly need braces and I've been looking for any dentists in chicago that accept insurance in chicago. I live around cook county and anywhere around irving park or places near there would be fine but i really want to get braces that my insurance will cover. I am 13 years old.......thx!

How much does Ensure cost?

I'm striving to gain weight and I was wondering how much Ensure costs? I'm thinking Ensure Plus in packs or as a single purchase. Please name stores that sell it too. Thank you!

Affordable Motorcycle for college student?

I own a car already, and I'm thinking about getting a motorcycle as an option to take. What models are usually affordable for a 18 year old college student?""

Is it worth getting motorcycle insurance?

Im about to buy a Drz400sm with a loan. I like to know snice I have a loan should I get insurance coverage on it and what type of coverage like theft for sure im getting it if I do buy insurance. What other coverage should I get for it. I just turn 18 with a super clean driving history and Im planning to take a motorcycle safety course so how much will you believe insurance will coast me on the drz400sm. What are some cheap insurance companies too by the way?

Car insurance?

i can't make the decision , i just got the car about 9 months ago , and i was paying the car insurance in full and full overage with my credit card, which my mom helped. because i was at school, rightnow i graduated, and i don;t have a job, i couldnot afford the full coverage on my car, i was thinking to go to third party. what do you guys think. i understand i will not be covered many things such as bad weather , flood , hurricane, and so on , if anything happened on the road, at no one's fault, i will lose my car, i was thinking that the odds of that. do you guys think i should go with the third party insurance?""

How much is equine medical insurance?

I know equine medical insurance differs form breed, age, and value of the horse but what would you think a 9 year old $13,000 TB's life insurance would be?""

Where should I go for medical and financial aid?

I've lived w. my mother all my life and gradually she has gotten more and more unorganized leading to disgusting living conditions. I have always kept my room together and received good grades to move on and out of my mothers house. In 2008 during my first week of college , I was diagnosed with a disease called Lupus. I was removed from the Boston College campus and forced to take time off of school. Since this, my return to school has been an long and difficult process. I am now 20 cooping well with the disease and attending night school. I have very little income and I was denied SSI as well as state insurance. As I am in the process of reapplying I find it hard to remain in my mothers living conditions in that no matter how I keep my things separate I have still accumulated unsanitary conditions. I dont know where to go for help and I am afraid of the stress I am experiencing causing me another flare and long hospital visit. I live in Rhode Island and have tried the welfare and community health care route. The only success I receive is hospital health care and a few doctors who are willing to discount my mandatory visits. Sometimes I feel like the only thing that is keeping me health is my faith and religion. As my relationship with God grows stronger I also find my self stuck in my situation. I know I would do well living on my own and getting into a regular routine I would just need a small boost of medical and financial support through any means available in the area. Any suggestions will help :) God Bless.""

I'm 17 years old will my insurance go up for a speeding ticket i just recieved?

i was getting away from someone tailgating me, horn blowing etc. for reasons still unsure and i was afraid if i pulled off the road, he would too, so i was in my corvette, i tapped my brakes, nothing and he gigged me so i pulled away and he turned off onto a side road and was i was clocked going 64 in a 45. if i go to traffic school will my insurance not go up much since its my first offense?""

Why is insurance so high on dodge charger for a 18 year old?

Why is insurance so high on dodge charger for a 18 year old?

""Auto, Home, Renters, Life Insurance?""

Okay I am working on a budget project for a class, and one of the requirements is to find the costs of insurance. So my question is what would the average rate for auto, home, renters and life insurance for a married individual in early to mid 20's?""

Where can I find cheap insurance at 17 years old with car modifications...?

Hi, i'm about to turn 17, will have a year 2000 renault clio, and would like to know where the cheapest place for car insurance is. The only modifications I want is new back light covers and a CD player. Directline do not insure 17 year olds with modifications. Not even with a different CD player... Thanks""

Hit and run but the victims car didnt have insurance?

ok so i was in a private parking lot and i accidently scratched another car i left because i was stupid and got scared. the cops came and found me the next day and i got charged with ...show more

""My family makes 80,000 but can't afford health insurance. I have loans and all, what do I do?""

We are currently living in Pleasanton CA because I want my daughter to go to a good public school (cant afford private schools)We have no family here in California, its just the two of us with our 5 year old daughter.(my husband is an only child, both of his parents died) It is very expensive to live in Pleasanton, but we rather live someplace nice where the school system is good and we are also interracial couple. We have credit card loans,(25,000) and my husband has a student loan. My daughter is on a Kaiser individual plan which is 300 a month. We have a car payment of 312 a month and still have 6000 left to pay off. We have a low interest rate on the car loan like 4%. We tried consolidating our loans but it did not work. Now my job offers health insurance, but it is very costly, 280 a month which I can't afford, and we are not qualified for the covered California. Please anyone has any advise we would love to hear some feedback.""

Car insurance?

Does anyone know of a website where you can find out how your occupation affects your car insurance quote? im a postman and i was just wanting to know what grade i was in? cheers

How much should I expect to pay for car insurance?

Im not 100% what year but I am planning on getting an 09-10 Mazda speed3. Maybe a new one but its a long shot. I am currently 19 and in the police academy. So I don't know if being a cop will affect my coverage. I am actually waiting until I graduate before I buy the car. I just want to determine what I would pay to see if I can afford it. When I actually get the car it would be my 3rd year with a license. I have never had a car in my name before either. This will be my first one. I am also planning on financing the car. What should I expect for monthly payments?

""Any opinions on AUTO INSURANCE in Providence, RI? cheap prices?

cheap prices

How much will my insurance be?

im 21 never had an accident i have a scion fr-s and plan on getting a yamaha r6 next month and this summer im buying a wrecked supra for a project car once everythings fixed what will my insurance cost?

oregon insurance jobs

oregon insurance jobs

Question about insurance?

Hi. Why car insurance is cheaper for: policy holder with driving licence held for 1 month and additional driver with provisional licence held for 3 months than: only a policy holder with driving licence held for 1 month ?? could someone explain me why is that ?

What's the average insurance premium for first drivers these days?

I'm 18, and im going to buy a car. It's a 2002/2003 car, so not too recent. Im looking for quotes online and the cheapest im getting is about 4500. This is me being the policy holder and not any other family members. Does this sound right? Personally i think it's outrageous... Thanks.""

Which car insurance is better GMAC or Allstate?

I currently have AAA insurance, but I don't like my agent, so I am switching. GMAC and Allstate both gave me good rates, so I am trying to decide between the two. Please let me know of your experience with either company. Thanks!""

Will someone elses tickets effect MY car insurance?

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

How does car insurance work?

I got my driver's license last January when I turned 16. Our family only drives one car. My dad has insurance for our car under his name. Do I need insurance under MY name to drive the car too?

Is it illegal to drive with no car business insurance if i'm a delivery driver?

would it be illegal if i get stopped by police while doing deliverys for pizza hut and i dont have business car insurance? or is it okay to just have personal insurance and do deliverys.. thanks in advance

Car insurance for a 21 year old?

My friend has been quoted 1200 per year for car insurance and his 21. Is this alot? How can he get it cheaper and thats for an old banger!

How much do you pay car insurance?

yearly?

How much is car insurance for a 16 year old?

How much is car insurance for a 16 year old?

I live on Long Island who has the cheapest car insurance ?

I tried all the big guys the quotes are the same .who is the cheapest of cheap with no extras?

Would I be eligible for California In-State tuition?

Im graduating from a foreign country, and im an american citizen. If i were to move in with my gradparents who live in california and are cali state residents, and they become my gaurdians, would i be able to recieve in state tuition? Or do i have to wait a year, work, and become a resident? Does it make a difference that im graduating from a foreign country? Im taking my sat 1's. If now, what do i have to do step by step?""

Cheapest SR22 car insurance?

Can anyone recommend which auto place (ex: safe auto, geico, etc) has the cheapest SR22 insurance. I already know there's alot of different variables/situations but i just need an idea. I've only had 1 dui and it was 5yrs ago.""

What kind of health insurance is best for business?

in my family i am alone young and i have small business. i am afraid if any thing happen with me, my family become many problem.""

Car Stolen with Keys - Insurance Claim Issue?

Hey guys need some help My partners car was stolen last night and we have just noticed this morning The keys to said car was in another car (within a handbag) parked beside the stolen car what has happened is the car with handbag in it was broken in to, handbags were raided, found keys to the car beside and it was then driven off with What way will insurance see this? I know if the keys for car are left within that car and its stole most insurers dont pay out but what way might this situation pan out??? any advise greatly appreciated""

When should I expect money from a car insurance settlement?

Today, i was going through a green light and a driver ran a red light and hit the back of my car. i spun out and eventually stopped before hitting anyone else. I was wondering about how long should i expect to wait for insurance to comp me for a rental car (if applicable. i believe i have triple A) and to give me the check for a new car. i have a few follow up questions. 1. what amount will my insurance give me. i have liberty mutual and i had a 2001 kia sephia with 97000 miles in good condition. i just had new tires, alignment and oil change done to it because i just got the car about a week before. 2. the fender, axle, and back tire are completely totaled. the back drivers side is smashed in so should i try to fix or take my losses. 2. should i sue the driver and get a lawyer involved? or just take whatever my insurance will allow me to have? any additional advice, warning, guidelines or wahtever will be helpful also. thanks.""

Will my insurance rates go up?

My daughter who is 16 yrs old tapped a car from behind at a stop sign. There was no damage done to either car and no injuries. The guy said he was not going to do anything about it since there was no damages. My daughter gave him her information (insurance etc). I called the guy to make sure everything was ok, he said nothing happened to his car or himself but he went ahead and opened a claim because he thought he had to do that. I know that if he decides to ask for damages the insurance will pay. My question to you is if he decides not to ask for damages, will my insurance still go up and will she get points in her driver's license. Also, I'd like to add that we live in California. I have not talked to my insurance (AAA) yet. Thank you""

Teenager's first car accident . Insurance?

So my sister is 17 and a new driver. She rear-ended a guy.. It was just a fender bender and its only the plastic part of his car that's damaged. So my sister DOES have insurance, but didnt have her actual Insurance card on her. (But the cop didnt seem to care). She was driving my mom's car and used her car insurance info. now the guy on the other end...was this old angry guy yelling at her. The problem is that HE didn't have his neither his Driver's license OR insurance. He said he would 'settle on the side' so her insurance wont go up. But does he have a case?? Technically, he shouldnt have been on the road. He doesn't have any insurance! Should we pay him directly? file a claim with our insurance? or do absolutly nothing?""

How much of a difference per month for car insurance is there between a sports car and a regular car?

How much of a difference per month for car insurance is there between a sports car and a regular car?

""How Can i keep my car, without paying insurance?""

I have a car that i DONT want to sell, but i will not be using very often, can i keep it WITHOUT paying insurance, because obviously it would be a waste of money to be paying insurance on a car that i do not drive.""

""Non owner SR22 insurance for TEXAS, what is a cheap website?

I don't own a car so I don't know what to do... Help! Thanks

How much will my insurance be on a BMW 114i?

Ow much will my insurance be roughly on a brand new BMW 114i 25K, I'm 17 yrs old and I think this car is a 1.6l, please tell me how much the insurance will be for me, I need a price with and without my parents added to the policy, my address is 2, bd8 0bw. 2012 plate 3/5 door hatchback Petrol""

Insurance rates-will they increase with 1 speeding ticket-58 years old?

will my insurance increase with one speeding ticket? i have aaa auto insurance

How much would insurance cost for a 16 year old?

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

Car insurance for older people?

im trying to renew my grandads car insurance,(hes 81) and looking for a cheap company that can beat his current price of 537pounds a year. thank you for any sugestions""

Had an Accident Car insurance question?

I had my first accident the other day and it was pretty bad. I was the person at fault. I am about to turn 21 in 8 days. I have allstate insurance and the othe party of the accident no has a lawyer even though he acked fine at the accident. How much will my insurance go up and is there anything else i should know or can do?

oregon insurance jobs

oregon insurance jobs

Insurance for young drivers?

I just passed my test im 18 tomorrow and i am looking for short term insurance but fairly cheap. I have already tried to look online but most of the insurance company's require the driver to have a years experience on the road beforehand. I desperately need to drive and i desperately need to have insurance. Can anyone please advise on cheap company's plus how to arrange it all?? Thanks

What would insurance cost for a 16 year old?

I turn 16 in two weeks and i might be getting an Infiniti G35 coupe. We have state farm and i can't due a quote since i don't have my license yet. Can anyone give me an idea of how much the insurance would cost?

How long does it take to get auto insurance?

if i apply now how long will i be able to get the insurance? im a new driver and i need insurance 4 myself. i need to drive a car with insurance before may

""When you rent a car, what happens if you get into an accident? Does your own insurance company?

cover your liability? Or will insurance automatically come with the car you rent? How does it work?

Normal Insurance on the Dodge Charger?

I'm looking to buy the dodge charger 2011, I want a car that's good on gas and insurance. I have a Grand Prix right now and i'm fine with my insurance on that but I can't find out how much insurance is on a charger because I don't have one could someone tell me the about the amount of insurance I don't need and exact number.""

I need help on which plan is better for dental insurance?

My teeth are in fairly good condition except my wisdom teeth are coming out so i want to have insrance just in case i have to take them out. Im 19 and i havent been to the dentist in like 3 years. Im trying to get a plan with blue shield of california but their are two types of plans HMOs and PPOs and im confused the link is the comparison of the two. https://www.ehealthinsurance.com/ehi/dt/compare-plans?showCarrierLogo= can anyone who knows about dental insurance help me out which one is better?? Thanks

Teen driver and car insurance?

I am 17 years old and am looking to buy my first car. I have found a 2002 Buick Rendezvous CX that I am very interested in. The only problem now is insurance...With my car insurance company, Liberty Mutual, it will be close to $800 every 6 months! That is A LOT of a teenager or for anyone to be paying. That is also being under my parents policy which has the best coverage. What can I possibly do to finagle a lower price? I know that the car should be registered as pleasure driving, I have good grades, took Drivers education...what else can I do to try and lower my payment every 6 months? If there are any tips, please help me!""

My boyfriend's nephew got hit but he doesn't have car insurance.?

my boyfriend and his nephew were involved in a hit and run. however, his nephew doesn't have car insurance, will this have an a negative turn out for him??? i don't care about the other guy having or not having insurance...but will his nephew get in trouble? we live in California, it is illegal to have a car with no car insurance, registration, and license. please help!!!...how would it turn out for him??? HE WAS THE ONE THAT GOT HIT BY THE OTHER CAR... his nephew is the victim""

""My insurance company, Liberty Mutual will not insure me?""

I've recently had an unfortunate string of 2 accidents that were 3 months apart, both cars were totaled from them. I've been driving for three years and I got into one accident when I was 17 (first car was totaled) and one accident when I was 18 (minor fender bender). Anyway, I know I know I'm going to take defensive driving course to help out with my driving, any suggestions on Insurance companies?""

How much does workman's compensation insurance cost?

How much does workman's compensation insurance cost?

Why are all my insurance quotes so high?

Ok, I'm 17, passed my test in june. been getting quotes on comparison sites for a 1 litre vauxhall corsa (1995) and the lowest quote is 4980 a year. I have triple checked each and every question it asks me and they are all correct and good. i am not insured on anything else, no no claims bonus etc. im a college student so how the hell do they expect me to pay almost 5000.. they are ridiculous to even set these prices thinking someone is going to use them. please any responses as to why my quotes are so high? tyvm""

What would the minimum insurance for a 2008 Ford Ranger truck for someone over 30 w/ a good driving record?

...in Texas. A female. Can you recommend one?

""How much is this going to cost me? In IL was driving with no insurance, license & got into a car accident?""

I did however get insurance right after the accident, so my proof of coverage began the date I got my ticket. I did not have a drivers license because I was waiting for my certificate. I got my birth certificate and am taking my test tomorrow. My court date is monday. How much will I have to pay?""

What is the average cost of motorcycle insurance for a HD night rod special or VROD?

What is the average cost of motorcycle insurance for a HD night rod special or VROD?

Question about car insurance for teenagers?

I'm in California, my friend called an insurance company and they said underage drivers can drive on their parent's insurance coverage if they have insurance, which means he doesnt have to pay since he's 17 and his dad has insurance on his car, to make a insurance contract he has to be 18. Is this true he can drive on his dad's insurance?""

I was a passenger in a car accident. The car was not at fault. Will my insurance go up?

Also, just to know, assuming that the car I was in had been at fault, would MY insurance go up?. Again, I was not driving.""

Car Insurance?

My car insurance renews in january.. what if I pay it all off say by april, but then I get a new car in May does the insurance transfer over and I pay the difference for the new car? and what if I didn't pay off all the insurance but got a new car would I not have to pay off the rest of the balance? I never understood this.. thank youu""

Average family health insurance cost?

for a school project i need to calculate how much my healthcare insurance costs per month. i am about to be a college student and do not understand how the entire insurance process works. i come from a family of 5, and apparently i have blue cross health insurance. was wondering roughly how much it costs monthly for my insurance, or what is an average monthly rate for health insurance for a person who is under a family health insurance committment? any sort of clarification helps thanks. c:""

We res the cheapest place to get car insurance?

We res the cheapest place to get car insurance?

Car insurance after accident?

I am 18 and have been driving for 1 year, I used to drive as an additional driver on my Dads Renault Megane, I crashed it from spinning off and hitting a wall, luckily no one was hurt, I just had a few cuts from shattered glass. The police have arranged for me to have an interview next week to discuss the consequences, at the moment I have no convictions or anything on my licence, my Dad just bought me my own car and has said he'll pay for the insurance in full, it's quoted at 880 for a year if he pays in full, he was planning on paying in full in 2 days, I'm not trying to cheat the system, but if my dad pays in full and then I get a conviction after the transaction has been made, can the insurance company up my insurance considering I had no convictions at the time? I'm not trying to beat the system and cheat my way, I'm just curious as to what will happen. Thanks for taking the time to read!""

Best online insurance website?

i own a insurance broking firm in india, insurance in india is at very nascent stage. want to launch a service oriented internet portal to sell insurance online. please suggest me some good insurance online websites where i can emulate some of the best practices and also please give me suggestions what people expect from these online websites and broking firms? Any Bad/good experiences. All your inputs would be very very valuable""

Is AETNA a good health insurance to get?

my benefits package came from work, it offers medical from Aetna is that a good health insurance provider? What about Guardian Plan ppo for Dental??""

What is a good car insurance company - value and a known company - not high risk?

I would like to switch car insurance companies - one because when I buy a third car and add it to my policy they charge me $5.00 for installment billing even though I pay in full - this leads to the second more serious complication which is that my husband works in the car business and on occasion decides to buy a new car b/c it is a good value and he like the car, then we sell the second car. We typically have the second car for 11-22 months. I mentioned to the insurance company that in the future I want to avoid this $5.00 fee since I always pay in full and I waving it this time wouldn't solve future issues b/c my husband is in the car business and we buy a third car to sell the second when he finds one he likes. THEN the cust svc guy goes on a rant - ARE YOU RESELLERS... blah blah blah and WE HAVE STRICT UNDERWRITING GUIDELINES blah blah blah etc. I tell him that holding onto a car for the time periods that we have would certainly indicate that we are not... and titling it""

What is the cheapest car insurance for young driver?

I'm 19 and had my NY license for 1 year now. I am a male and um I'm not looking for an expensive car. just a cheap one under 10g

Cheap reliable and low INSURANCE!?

OK im 17 monday after next and im a bloke, hence very expensive car insurance. I want a second hand car in the UK which is cheap and likely to keep running. Also low insurance because i am a cheapskate.""

oregon insurance jobs

oregon insurance jobs

Car Insurance question?

I live on a very busy side street where there is more cars owned by people that live on the street than there is parking spaces for these cars. I am just wondering if i have to park my car on the road around the corner fron where i live is the insurance still vaild if it gets stolen, because when i took out the insurance i was asked where is the car kept over night? and i said on the street where i live""

Is It A Good Idea To Get Rental Car Insurance?

I was posed that question yesterday when I rented a car.

Will my parents' insurance rates go up?

I recently got 2 traffic tickets (1 for speeding and 1 for disobeying a traffic control device). However, the car I am driving is registered under my parents' policy and I am not the primary driver for it. Will my parent's insurance rates go up because of this, or will this only affect my driving record?""

Insurance rates on classic sports cars for new drivers?

obviously, insurance rates are higher for new drivers and even more so if they drive a sports car, but aren't rates lower on classic cars? if so does the reduction make up for the car being a sports car? for example, a 1965 Ford Mustang.""

Why my car insurance coming so expensive?

I am in leeds and thinking of buying a car but when i am searching all comparison websites its coming about 1000 pounds a month. I have 3-4 yrs expierience in driving in USA and i was paying there like 30 pounds per month. I talked with insurance company and they are saying that because i just came to UK as well as have international licence its coming that high my car comes in group 17 of insurance. Any other solutions for these? if people are new here i dont think they are paying these much every month Please if you know any good agent who can reduce these let me know. Else can i take insurance from usa or my home country India?

""What type of Health Insurance is good for me? As far as deductibles, office visit, and coinsurance.?""

I want to get a Health Insurance for me and my family? I am self employed and therefore cannot get Health Insurance through my employer. I am 57 years old and my wife is close to my age, and will be visiting doctors' office more than 5 times a year. I am confused as to which type of insurance is the best choice for someone in my situation.""

Cavity/No Health Insurance?

So my tooth is freaking killing me, ouch pain....but my problem is i currently don't have dental insurance. Does anyone know on average how much it would cost to go to the dentist to have a cavity fixed with out insurance? HELP!""

On average how much is car insurance if you've been in an accident and?

I wasn't speeding, I didn't slow down enough to make a turn on a back road ( I didn't notice how sharp it was) and swerved off the road. how much more will insurance be for me now if I find an alright vehicle. (And I know it is really bad when your young, I'm 18, so I know it will be high as is, and because of this I know it will be way higher, I just need a basic idea of how high it will be and for how long. I've never been pulled over before, nor do I speed.)""

On average how much more is insurance when you add a teen driver?

I am 17 and I've taken driving lessons( I heard insurance give like a little discounts) if this matters.

Could someone please explain health insurance to me?

Difference between PPO HMO DRG Private insurance, and deductibles I read it in my textbook but all these terms I'm not very familiar with so no matter how much I re-read the paragraphs I'm still a bit confused... I might sound stupid but oh well! Clarify for me please! Thanks for all who answer""

Insurance?

If Im 17 and have my license, can I drive my friends car with insurance? or do I have to also have it?""

Cheap Driving Insurance - Can anyone get me a better deal??

ok my mother (48 been driving for around 23 years 8 years no claims) is the owner/driver i am a named driver (21 with 6 points) been driving under 1 year because i got license revoked and had to resit my tests The Car is a fiat brava 1.4 red 5 door 5 seats worth about 1000GBP cheapest quote i can get is with the AA 600 comprehensive is there anyone who can get it any cheaper???

Is motor insurance compulsory in most states of the USA?

Is motor insurance compulsory in most states of the USA?

How much would motorcycle insurance cost for a young and new driver?

So I 'm 18 years old and thinking about getting a sports bike. I have a drives license and haven't gotten any tickets yet. I just want an estimate on how much i'd be paying in insurance every year..and which insurance company provides the best price? I'am thinking of buying a used sports bike but am not sure on which one yet. Thank you in advance and If you don't have anything nice to say please just move along lol:))

How can I get the best quote for a car insurance in the UK?

I have just bought a car, but I haven't driven since I moved to London, 5 years ago. I am doing a research on-line to get the best quote, but they all seem to be a bit pricey. Does anybody know a telephone number in the UK where a person (rather than a machine!) can find the best deal? I am tired of websites such as moneysupermarket, as you end up having to contact companies individually... Any help would be greatly appreciated as I would like to bring the car home today!! Many thanks in advance!!""

Can you get car Insurance with No Bank Account?

My question is would it be a problem to obtain car insurance without having a bank account, my credit is in the toilet because someone ran up my debit card and the over draft fees forced the account closed, and now the bank is asking for $600.00, and I can't afford to pay that off with the kind of salary I have, so can anyone let me know if their would be any difficulty in just paying in cash or perhaps money orders or even a check in someone elses name?? thanks""

Would someone's car insurance cover....?

a banana (yes dont ask) being flung into the grill of the car, being sucked into the engine and other parts and causing damages worth about 15-17 grand? a friend threw a banana at a guys car and it did as described and im praying that the guy's insurance would cover it so that he gets off with a manageable fine. if he cant pay the guy, hell end up doing time which i really dont want to see him do. :( pleae HELP this is a serious question unfortunately :(""

Scooter Insurance Certificate ?

How long would it take to receive a Insurance Certificate through the post ? And can it be done through Email ? I need to know because im dong my CBT soon but my bike has no TAX at the moment. And can anyone recommend a good CHEAP insurance company ? Thank You Very Much James

How much does liability insurance cost for a night club business?

I'm trying to get a night club business started and i need insurance how much does it normally cost? and what kind do you recommend getting?

Life Insurance for my family?

I'm trying to figure out if it will be worth to get life insurance for my family? Now, when I say family I mean my parents and siblings. I'm only concern with getting something that's affordable like term insurance I didn't hear to many good things about whole insurance.""

Questions about sr22 insurance?

I have a sr22 insurance with arizona and I just got a california license if I cancell my sr22 with arizona and get regular insurance with california can arizona suspend my california license if so how? A little more information my car is registered in california and I live in califoria not arizona

Need cheap insurance?

I make 12.50 per hour and I work for a small company our insurance really sux and it is exspensive I have a wife and a 3 year old daughter I am 21 and my wife is 20 and we live in Michigan is there some kinda of insurance that is cheap and reletivley good please help. Also vision and dental but health most of all. Maybe even some secret government help or something I just need some finicial help really

Is car insurance very high in California?

Is car insurance very high in California?

Are you glad you have individual Health Plan?

I work freelance and I am looking into getting a health care plan. I haven't had medical insurance since elementary school but now that I'm approaching mid 20s, I wanted to prepare for the emergency, the 'just-in-case' situation. My problem is that I have a very negative impression on the insurance business and health care itself. I've gone to health clinic from a floating rib and I paid $300 to be told that I need to get tylenol LOL My relatives and friend went through some misdiagnose, multiple exams and charges. Some friends go through such a bull5hit time - one friend was charged $500 to borrow a blanket in the waiting room at a health care clinic and all she had to do was make a call and complain to cancel the full amount. We were baffled So.. they get paid $500 for lending a blanket? They take the $500 away if we complain? It's like complaining at a restaurant LOL!!! I maybe ignorant, but it makes me so upset to see people without insurance having such a hard time affording health care. Health care and insurance makes me feel like I'm giving into a manipulative scam - like buying a $120 clothing that only costs $5 to make. But incase I break my face crashing on my bicycle, I guess I need one. $500 for a blanket? I wonder how much X ray actually costs to buy, operate, and maintain. I'm sick to my stomach thinking about it. Anyhow, I know I'm ignorant, please enlighten me. Any positive experience on having affordable individual plan would be great. Thanks in advance.""

Question about getting car insurance for mil!?

Long story short my mother in law lost her car insurance and can't afford to get insurance back my question is can my husband put her and her car under our insurance?!?

oregon insurance jobs

oregon insurance jobs

https://www.linkedin.com/pulse/jaguar-7-day-free-insurance-priscilla-glenn/"

[imanameture]

I think I am going to kill myself

This seems like the best place to leave it. nobody follows me here so nobody will try and stop me. It is friday, october 6th 2017 at 1:16 PM. and i think im going to kill myself.... hopefully today. hopefully before my roommate gets back. I might attempt to hide myself... just, go someplace else. 

im tired of trying to talk to people, therapy is only making it worse. i think i would just rather die

now before someone tells me that its a “permanent solution to a temporary problem” might i remind you that in death... I wont care. i’ll be dead, I cant be missing life or regret what i did. If i am already dead.  I’ve wanted to for years

people just always insist on stopping me why though

everyone says all these great things about me but how many of them truly know me

how many of them know my favorite color or why i liked photography

who knows what it is that makes me a BAD person

people always try to convince me i’m good. 

im not good

I like to look at both sides of the spectrum

I like picking the bad guy

because i see why they did it, 

i can easily side with your standard disney villans, like scar and gaston (sort of, he was an arrogant dick i know, but so were most men back then and frankly most continue to be) 

I can remain neutral on things like mass shootings

I dont stand for hate crimes. that i cant do, people suck, we are all temporary, mortal, but honestly the same, we can be boiled down to the same basics, human beings, coming from different places results in variations in appearance and beliefs, culture, food, anything really...

i believe there are no good guys, or bad guys. people make choices based off of where theyve been and what theyve been through. and while it might not be whats good for you, it could be whats good for them. I mean really. out of everyone in this world. you’re probably thinking about whats best for you before you think of whats best for anyone else.

Which brings me back to my point

I think im going to kill myself

this is the decision that is best for me. 

In 19 years, I have never enjoyed confrontation, it makes me anxious, it makes me angry, it makes me scared and confused. I dont like it. I can not stand it.

So i never tell people whats going on thats bothering me or hurting me or impacting me negatively

I never told my parents that their constant punishing me for my grades, made having friends and a social life hard, I couldnt go to birthday parties or movies or the mall, because i struggled to get good grades. I couldnt do school, So i couldnt have many friends, that was fair, thats a productive punishment.

I never tell my boyfriend when his constant insecurity and bellyaching about things bothers me, Because i love him, I want to help him, i do, but i want him to remember that because we’re doing life together. it doesnt mean every aspect of our lives need to involve each other, I made plans with friends,you should too. I love him. and thats what makes doing this so hard, the one heart i cant bring myself to break is his. he only wanted to love and support me this whole time, he just wants to give me the life i dream of. he wants to give me the world. and i know he’s trying. and im so grateful that i got to spend these last four years with him. but i dont think i can do life any longer. I dont have the fighting spirit he fell in love with anymore. its not your fault, you did everything right. i just cant do it anymore. You are so deserving of love babe, you have so much to give, even if you cant see it. you do. thats what makes you a good friend, a good listener. an amazing boyfriend and an even better fiancé. Im sorry for taking me away from you, but someone who can love you better. who can make you happier will come around, she will give you the life you deserve. 

I wish my friends could help. but they tend to make it worse on me. I know i dont talk much, but please stop saying im secretive( that goes for you too family) Im not secretive. i just dont know how to address people about my problems. and when i bring it up, and you comment on how im finally talking. it makes me regret it instantly. I know i dont talk. I KNOW. but i dont need to be reminded of it, especially when im upset,

 Thanks uncle dad.we’re very similar, you told me that at least. But the days where i’d be upset and you’d just sit there with me while i laid in bed, quietly crying to myself. not saying much. just, existing there... it helped.

Since school started, i’ve been holding out, i havent done it yet, because my roommate was not ok after losing a friend earlier this year. and it sucked to watch her be like that. but i dont want to make myself suffer anymore, i’ve suffered in silence for so long, its unfair to me to have to stick around when i’ve already been so sad for at least 11 years. i dont want a lifetime of it

theres no guarantee that it’ll be a lifetime.

but honestly. theres also no guarantee that it wont. 

my friends have been going through their own things. i worry about them, and i love them, but honestly. once i reached the point where i no longer valued my life, i stopped valuing most lives. human lives.

 I still care about animals. they’re cute and bring me calm. I would love to have my cat here, or be able to adopt a kitten or a puppy, they’re sweet and small. theyre warm and i could hug them when i’m down, but my mother says no. so i dont even bother bringing it up to a therapist. 

I wish my friends werent going through what they are, none of them deserve it. the hardships and pain of life. of growing up. of learning to adult.  I hope they live long happy fulfilling lives. They deserve it, they deserve the best.

Ive hated my life

the more i think back on it the less i feel like it matters

my life that is

look. you want to know something insane, that i still dont understand

how could someone so ugly, be molested so many times

like

wow.

kindergarden

7th grade

and one time at summer camp

i guess thats not a lot. 

but i think one time is too many,

genuinely. 

MY BODY

has been taken advantage of

by so many people, they decided, not me, that i was theirs to touch, and stroke, and grope...

i guess thats why i cant stand physical contact with strangers... or anyone who  i haven’t explicitly told they are trusted.

i’ve been writing for an hour.

WOW

this really feels like a suicide note. 

Ive been saying goodbye for an hour

My therapist said to contact him if the feeling to kill myself ever came. 

not happening

I’m not telling anyone... not even my boyfriend,

i cant tell anyone, they’ll just try and stop me.

I could point fingers and blame, but i wont.

My parents were wonderful. They made mistakes, but no parent doesnt,  life comes with no handbook, and when you have to maintain your own and build something sturdy for your children, so they can live a good life. it can not be easy. I think you guys did amazing. and i love you. even though you can drive me absolutely mad, I love you guys. my parents are my first love. theyre amazing.

My sister is my favorite person, we always had a good relationship. shes my sister, she taught me everything i know about life, She does everything in her power to help me. to fix things for me. to make me laugh and smile. Most recently her daily spoop messages. she’s the reason i maintained an interest in anything, She sends me memes, and links, and music. she shows me plays and movies. she has the best cat, both of my sisters cats have been my favorite, when we got shadow i was 6, and scared of her, I wanted a dog not a cat, but we got a cat. and after a while i warmed up to her, shadow was gentle and sweet and beautiful. she would come to drink your milk after you had cereal, and she would lay on my foot when i pet her to keep me from going away. and laf is the cutest most noodly cat i have ever met, he’s thin and floppy like cooked spaghetti. and i love him.

I wish, i could put into words. why i cared for the people i did so much, why i did everything in my power to make them happy, 

but i cant

and if you’re reading this i’m sorry.

I cant keep making up excuses to live another day.

i have shit grades, i have a shit attention span, I barely have job and i know i’m not good at it. 

i’m not good at anything, I’m not creative, i cant draw, my photography is sub par, I suck at making new friends and honestly i feel like nobody really wants to get to know me. 

I dont believe suicide is the answer

i never have

but I dont think i have any other way.

I had dreams of getting married, and starting a family. I had dreams of studying abroad with my friends. I wanted to move to california. I wanted to see every disney. I wanted to travel the world with my best friend. I wanted to freelance.

I dont want much anymore

shit. i dont even want to eat most of the time

i dont even want to finish this post.

it is now 2:36 PM

Im wary... i am unsure if i can. 

but i think i will

I THINK IM GOING TO KILL MYSELF

[samanthasroberts]

Just do it: the experience economy and how we turned our backs on ‘stuff’

New figures show we are continuing to spend less money on buying things, and more on doing things and telling the world about it online afterwards, of course. From theatres to pubs to shops, businesses are scrambling to adapt to this shift

It was an audacious plan for an unloved bit of Manchester. A 25m arts centre to be built on a derelict plot that had not felt a cultural pulse since the closure, 15 years earlier, of the legendary Haienda nightclub. It would be called Home, formed by the merger of two proud but financially imperilled institutions the Cornerhouse cinema and gallery, and the Library Theatre Company and would, its backers hoped, revive a forgotten corner on the citys southern edge.

There was confidence from the city leadership that it would work, but a lot of my peers and colleagues in the arts were saying to me, Whos going to go there? says Sheena Wrigley, executive director of Home, which includes two theatres, five cinema screens, an art gallery and a restaurant and bar. It was a very unprepossessing area with a big car park and one large office block. It wasnt visible or on a main thoroughfare.

Programming would swim far from the mainstream, too. The centre opened in May 2015 with a challenging play about two thwarted lovers trying to survive a recession in a city like Manchester. This week the cinema is showing Lady Macbeth, a subversive Shakespearean noir, and The Handmaiden, an erotic Korean period thriller. The free gallery includes an exhibition of vibrant art from post-Franco Spain and an exploration of the role of vogueing in gay black culture.

Wrigley admits to having been nervous when she and her team set an ambitious target of 550,000 visits for the first year. But we smashed that in six months and did just shy of a million, she says. And they kept coming: as Home approaches its second birthday, it is about to welcome its two-millionth visitor. Its fascinating to me that you can open a venue of this kind and size and it can find its audience straight away in a difficult period, Wrigley adds. Of course, I would like to say its all about good artistic choices, but something else is going on.

Wrigley is right. A series of studies is revealing strange things about our spending habits. They call it the experience economy, which gives it the sense of a grand theory. And there is science behind it, but its also very simple: regardless of political uncertainty, austerity and inflation, we are spending more on doing stuff, choosing instead to cut back on buying stuff.

The restaurant at Home, a major new arts centre in Manchester. Photograph: Alamy

The latest figures come from Barclaycard, which processes about half of all Britains credit and debit card transactions. Figures for April show a 20% increase in spending in pubs compared with the same month last year. Spending in restaurants went up 16%, while theatres and cinemas enjoyed a 13% rise. Meanwhile, department stores suffered a 1% drop, vehicle sales were down 11% and spending on household appliances fell by 2.5%.

Barclaycard says the trend began to emerge about a year ago. And retailers are feeling it. In March, Simon Wolfson, chief executive of Next, blamed the clothing chains first fall in profits for eight years on the move from buying things to doing things. More startlingly, Ikea, the worlds biggest furniture retailer, told a Guardian conference last year that consumption of many goods had reached a limit. If we look on a global basis, in the west we have probably hit peak stuff, said Steve Howard, the companys head of sustainability.

It would be easy to assume that contemporary influences are at work here. The world is a bit of a depressing place right now, so lets have a nice evening out rather than buy a sixth pair of shoes. But theories abound of a much broader shift. And Ikea is arguably late in calling peak stuff. In 2011, Chris Goodall, a British environment writer, used government data called the UKs Material Flows Account to track consumption of stuff, and identified 2001 as a tipping point, long before the 2008 recession and everything that followed. He believed we had decoupled economic growth and material consumption.

And as we consume less, we are doing more. If you think about the 20th century, the big dominant value system was materialism, the belief that if we had more stuff wed be happier, says James Wallman, a trend forecaster and the author of Stuffocation: Living More with Less, in which he charts the move from possessions to experience. The big change to what I call experientialism is more about finding happiness and status in experiences instead.

The happiness bit perhaps stands to reason, but studies suggest the anticipation of an experience has a crucial, additional value. In a 2014 paper called Waiting for Merlot, psychologists Amit Kumar, Thomas Gilovich and Matthew Killingsworth showed how people report being mostly frustrated before the planned purchase of a thing, but mostly happy before they bought an experience. That feeling lingers longer, too, tied up as it is with memory. We call it hedonic adaptation, says Colin Strong, the head of behavioural science at Ipsos, the market research group. And the hedonic payoff of experiences is much greater.

We are also less likely to compare experiential purchases than we are products, in a way that means we are all happy with what we buy, regardless of what we can afford. So if you have a Nissan and your neighbour has a Porsche, theres no doubt who has the better car, and if you ask the Nissan driver to swap, they will, Wallman says. But if you ask people who went on holiday to the Seychelles or south Wales, its clear who had the fancier holiday, but surveys show the person who went to Wales wont swap because they had an equally good time.

If the experience economy has a levelling effect, research also suggests that part of the reason for its rise is its greater potential as a status booster.This supports the idea, questioned by some (and not backed up by Barclaycard, which does not account for age), that younger people namely millennials are driving the consumer shift. It used to be that our car, or handbag or wallet showed our status. Now we post Facebook pictures from a chairlift in Chamonix or the latest music festival, Wallman says. Social media is supporting this change. Posting pictures of what you just bought is gauche; posting pictures of something youre doing is fine. Strong also thinks the slightly impoverished nature of millennials is compelling them to get out more.

It used to be that our car or handbag showed our status. Now we post Facebook pictures from a chairlift in Chamonix or the latest music festival. Photograph: Yasuyoshi Chiba/AFP/Getty

At Home, however, Wrigley says that while students and young professionals are pouring through the doors, the venues appeal is crossing generations. A lot of arts organisations peak at around age 45, but ours is very flat, she says. We have a lot of older explorers people who worked in professional services or local government, say, and are looking for a quality experience. And baby boomers who have been able to stop work in their 60s and have pensions to spend.

Restaurants are capitalising fast, opening at a record pace in cities all over the country. In London, restaurant guide Hardens counted 200 new openings in its 2017 edition. Cities including Manchester and Glasgow have seen similar or even greater booms. Russell Norman, founder of the Venetian-inspired Polpo restaurants, is about to open his 12th outpost in Bristol, having taken the chain to Brighton, Exeter and Leeds since it landed in London in 2008. The restaurants are as busy as ever, but Norman has been surprised by booming recent demand for gift vouchers and private party requests. When we opened in Exeter we expected it to be an all-day offering, but were really finding that people are coming for special occasions, as an event, or an experience, he says.

Businesses already dealing in experiences are enhancing them to benefit from the shifting economy. Theatres would once never have considered putting a restaurant downstairs, but now youd be mad not to. The restaurant at Home in Manchester is taking 2m a year, Wrigley says, almost double what was expected. At the Chichester Festival Theatre, where ticket sales are up 12% on last year, the restaurant is booming, too. We dont have to be just excellent theatre-makers, but excellent business people, says Rachel Tackley, the executive director at the venue in West Sussex. Its about creating theatres as destinations where you can spend more than two and a half hours watching the show.

Marstons, one of the countrys largest pub groups, with more than 1,500 pubs, is racing to meet demand for more than pints of beer. Traditionally people use pubs, but go to restaurants, says the Wolverhampton-based firms managing director, Pete Dalzell. The group has shed hundreds of wet-led traditional pubs in recent years, and opened more than 150 pub-restaurants since 2009. Last year revenues were up 7% to 905.8m, and the average pub profit has doubled since 2012. Were opening up a new range of offers for consumers who are choosing to spend disposable income doing something with friends rather than buying something, Dalzell adds.

If the writing is on the wall for the purveyors of things, their response is to make the walls more appealing. Were seeing a fundamental shift in pretty much all categories to retain being much more experiential, Strong says. Increasingly, this means using technology to create the feeling of a meaningful relationship between brand and buyer, online and offline. High-street clothing stores are deploying shop assistants with tablet computers on which they can call up your previous purchases and tastes based on online browsing. And with smart marketing, even the dullest essentials are being sold as part of a brand experience. In the US, one Los Angeles TV producer, frustrated by the high price of razor blades, launched an online subscription service in 2012. Dollar Shave Club began posting blades for as little as $3 a month and, with the help of a viral ad campaign, earned 12,000 orders in the first two days. Deliveries come with an irreverent magazine. Customers felt part of something, free from the cut-throat corporate economics of brands such as Gillette, which is owned by Procter & Gamble. It soon had more than three million subscribers, and in 2016 Unilever, P&Gs big rival, bought the Dollar Shave Club and its members for $1bn. People have got that we can move from a transactional relationship mediated by big-scale advertising to much more of a one-to-one relationship with the customer, Strong adds.

That relationship is strong in Manchester, where Wrigley says she has been surprised by the scale of Homes success. The venue is already being overshadowed by rising office and apartment towers, and a new hotel. It has become the beating heart of a neighbourhood that was a wasteland only four years ago. Thats the magic of experientialism, Wallman says. Its not anti-consumerist or anti-capitalist. Money is still going into the economy and creating jobs were just spending it on experiences. Wallman, 43, has been following the trend for more than 10 years, and has seen it transform his own life. At his wifes prompting, he has just acquired a second pair of trousers, but is holding out with his one pair of shoes and five holey T-shirts. Id rather do things, he says. I took the kids to the Natural History Museum on Sunday. We went camping recently, I go climbing, play football. And it makes us happier.

Source: http://allofbeer.com/2017/08/21/just-do-it-the-experience-economy-and-how-we-turned-our-backs-on-stuff/

from All of Beer https://allofbeer.wordpress.com/2017/08/21/just-do-it-the-experience-economy-and-how-we-turned-our-backs-on-stuff/

[allofbeercom]

Just do it: the experience economy and how we turned our backs on ‘stuff’

New figures show we are continuing to spend less money on buying things, and more on doing things and telling the world about it online afterwards, of course. From theatres to pubs to shops, businesses are scrambling to adapt to this shift

It was an audacious plan for an unloved bit of Manchester. A 25m arts centre to be built on a derelict plot that had not felt a cultural pulse since the closure, 15 years earlier, of the legendary Haienda nightclub. It would be called Home, formed by the merger of two proud but financially imperilled institutions the Cornerhouse cinema and gallery, and the Library Theatre Company and would, its backers hoped, revive a forgotten corner on the citys southern edge.

There was confidence from the city leadership that it would work, but a lot of my peers and colleagues in the arts were saying to me, Whos going to go there? says Sheena Wrigley, executive director of Home, which includes two theatres, five cinema screens, an art gallery and a restaurant and bar. It was a very unprepossessing area with a big car park and one large office block. It wasnt visible or on a main thoroughfare.

Programming would swim far from the mainstream, too. The centre opened in May 2015 with a challenging play about two thwarted lovers trying to survive a recession in a city like Manchester. This week the cinema is showing Lady Macbeth, a subversive Shakespearean noir, and The Handmaiden, an erotic Korean period thriller. The free gallery includes an exhibition of vibrant art from post-Franco Spain and an exploration of the role of vogueing in gay black culture.

Wrigley admits to having been nervous when she and her team set an ambitious target of 550,000 visits for the first year. But we smashed that in six months and did just shy of a million, she says. And they kept coming: as Home approaches its second birthday, it is about to welcome its two-millionth visitor. Its fascinating to me that you can open a venue of this kind and size and it can find its audience straight away in a difficult period, Wrigley adds. Of course, I would like to say its all about good artistic choices, but something else is going on.

Wrigley is right. A series of studies is revealing strange things about our spending habits. They call it the experience economy, which gives it the sense of a grand theory. And there is science behind it, but its also very simple: regardless of political uncertainty, austerity and inflation, we are spending more on doing stuff, choosing instead to cut back on buying stuff.

The restaurant at Home, a major new arts centre in Manchester. Photograph: Alamy

The latest figures come from Barclaycard, which processes about half of all Britains credit and debit card transactions. Figures for April show a 20% increase in spending in pubs compared with the same month last year. Spending in restaurants went up 16%, while theatres and cinemas enjoyed a 13% rise. Meanwhile, department stores suffered a 1% drop, vehicle sales were down 11% and spending on household appliances fell by 2.5%.

Barclaycard says the trend began to emerge about a year ago. And retailers are feeling it. In March, Simon Wolfson, chief executive of Next, blamed the clothing chains first fall in profits for eight years on the move from buying things to doing things. More startlingly, Ikea, the worlds biggest furniture retailer, told a Guardian conference last year that consumption of many goods had reached a limit. If we look on a global basis, in the west we have probably hit peak stuff, said Steve Howard, the companys head of sustainability.

It would be easy to assume that contemporary influences are at work here. The world is a bit of a depressing place right now, so lets have a nice evening out rather than buy a sixth pair of shoes. But theories abound of a much broader shift. And Ikea is arguably late in calling peak stuff. In 2011, Chris Goodall, a British environment writer, used government data called the UKs Material Flows Account to track consumption of stuff, and identified 2001 as a tipping point, long before the 2008 recession and everything that followed. He believed we had decoupled economic growth and material consumption.

And as we consume less, we are doing more. If you think about the 20th century, the big dominant value system was materialism, the belief that if we had more stuff wed be happier, says James Wallman, a trend forecaster and the author of Stuffocation: Living More with Less, in which he charts the move from possessions to experience. The big change to what I call experientialism is more about finding happiness and status in experiences instead.

The happiness bit perhaps stands to reason, but studies suggest the anticipation of an experience has a crucial, additional value. In a 2014 paper called Waiting for Merlot, psychologists Amit Kumar, Thomas Gilovich and Matthew Killingsworth showed how people report being mostly frustrated before the planned purchase of a thing, but mostly happy before they bought an experience. That feeling lingers longer, too, tied up as it is with memory. We call it hedonic adaptation, says Colin Strong, the head of behavioural science at Ipsos, the market research group. And the hedonic payoff of experiences is much greater.

We are also less likely to compare experiential purchases than we are products, in a way that means we are all happy with what we buy, regardless of what we can afford. So if you have a Nissan and your neighbour has a Porsche, theres no doubt who has the better car, and if you ask the Nissan driver to swap, they will, Wallman says. But if you ask people who went on holiday to the Seychelles or south Wales, its clear who had the fancier holiday, but surveys show the person who went to Wales wont swap because they had an equally good time.

If the experience economy has a levelling effect, research also suggests that part of the reason for its rise is its greater potential as a status booster.This supports the idea, questioned by some (and not backed up by Barclaycard, which does not account for age), that younger people namely millennials are driving the consumer shift. It used to be that our car, or handbag or wallet showed our status. Now we post Facebook pictures from a chairlift in Chamonix or the latest music festival, Wallman says. Social media is supporting this change. Posting pictures of what you just bought is gauche; posting pictures of something youre doing is fine. Strong also thinks the slightly impoverished nature of millennials is compelling them to get out more.

It used to be that our car or handbag showed our status. Now we post Facebook pictures from a chairlift in Chamonix or the latest music festival. Photograph: Yasuyoshi Chiba/AFP/Getty

At Home, however, Wrigley says that while students and young professionals are pouring through the doors, the venues appeal is crossing generations. A lot of arts organisations peak at around age 45, but ours is very flat, she says. We have a lot of older explorers people who worked in professional services or local government, say, and are looking for a quality experience. And baby boomers who have been able to stop work in their 60s and have pensions to spend.

Restaurants are capitalising fast, opening at a record pace in cities all over the country. In London, restaurant guide Hardens counted 200 new openings in its 2017 edition. Cities including Manchester and Glasgow have seen similar or even greater booms. Russell Norman, founder of the Venetian-inspired Polpo restaurants, is about to open his 12th outpost in Bristol, having taken the chain to Brighton, Exeter and Leeds since it landed in London in 2008. The restaurants are as busy as ever, but Norman has been surprised by booming recent demand for gift vouchers and private party requests. When we opened in Exeter we expected it to be an all-day offering, but were really finding that people are coming for special occasions, as an event, or an experience, he says.

Businesses already dealing in experiences are enhancing them to benefit from the shifting economy. Theatres would once never have considered putting a restaurant downstairs, but now youd be mad not to. The restaurant at Home in Manchester is taking 2m a year, Wrigley says, almost double what was expected. At the Chichester Festival Theatre, where ticket sales are up 12% on last year, the restaurant is booming, too. We dont have to be just excellent theatre-makers, but excellent business people, says Rachel Tackley, the executive director at the venue in West Sussex. Its about creating theatres as destinations where you can spend more than two and a half hours watching the show.

Marstons, one of the countrys largest pub groups, with more than 1,500 pubs, is racing to meet demand for more than pints of beer. Traditionally people use pubs, but go to restaurants, says the Wolverhampton-based firms managing director, Pete Dalzell. The group has shed hundreds of wet-led traditional pubs in recent years, and opened more than 150 pub-restaurants since 2009. Last year revenues were up 7% to 905.8m, and the average pub profit has doubled since 2012. Were opening up a new range of offers for consumers who are choosing to spend disposable income doing something with friends rather than buying something, Dalzell adds.

If the writing is on the wall for the purveyors of things, their response is to make the walls more appealing. Were seeing a fundamental shift in pretty much all categories to retain being much more experiential, Strong says. Increasingly, this means using technology to create the feeling of a meaningful relationship between brand and buyer, online and offline. High-street clothing stores are deploying shop assistants with tablet computers on which they can call up your previous purchases and tastes based on online browsing. And with smart marketing, even the dullest essentials are being sold as part of a brand experience. In the US, one Los Angeles TV producer, frustrated by the high price of razor blades, launched an online subscription service in 2012. Dollar Shave Club began posting blades for as little as $3 a month and, with the help of a viral ad campaign, earned 12,000 orders in the first two days. Deliveries come with an irreverent magazine. Customers felt part of something, free from the cut-throat corporate economics of brands such as Gillette, which is owned by Procter & Gamble. It soon had more than three million subscribers, and in 2016 Unilever, P&Gs big rival, bought the Dollar Shave Club and its members for $1bn. People have got that we can move from a transactional relationship mediated by big-scale advertising to much more of a one-to-one relationship with the customer, Strong adds.

That relationship is strong in Manchester, where Wrigley says she has been surprised by the scale of Homes success. The venue is already being overshadowed by rising office and apartment towers, and a new hotel. It has become the beating heart of a neighbourhood that was a wasteland only four years ago. Thats the magic of experientialism, Wallman says. Its not anti-consumerist or anti-capitalist. Money is still going into the economy and creating jobs were just spending it on experiences. Wallman, 43, has been following the trend for more than 10 years, and has seen it transform his own life. At his wifes prompting, he has just acquired a second pair of trousers, but is holding out with his one pair of shoes and five holey T-shirts. Id rather do things, he says. I took the kids to the Natural History Museum on Sunday. We went camping recently, I go climbing, play football. And it makes us happier.

from All Of Beer http://allofbeer.com/2017/08/21/just-do-it-the-experience-economy-and-how-we-turned-our-backs-on-stuff/