#i may have been riding my dirtbike on this road | Explore Tumblr posts and blogs

semperintrepida · 4 years ago

Text

Spark Check

The truck's gas pedal had long been stomped to the floor when Kyra drummed her palms against its steering wheel and tried to coax a little more oomph out of its tired motor. "Come on," she pleaded.

Without her little Toyota, she couldn't have fled Portland and her on-again, off-again relationship with Thal. Their latest blow up had flipped them back to off-again, and this time she had to get away, get out of the city. She was sick of green — she wanted shades of brown: dust and sagebrush as far as her eye could see and sketch and paint. So she'd packed her things and headed for Oregon's high desert, the road taking her southeast into the Cascades, past Mount Hood, and into dense forest dotted with blue lakes.

But it seemed this was as far as her pickup could go, on a long climb up a mountain in the middle of nowhere. The truck had slowed to a crawl, and she pulled over as soon as the roadway widened enough for it to be safe.

"Fuck," she said into the silence.

She jumped out and popped the hood open. The smell of hot rubber and oil surrounded her, and she shook her head at the confusion of belts, cables, and tubing she found inside. Fuck. She'd seen three cars during the hours she'd spent on this road, and when she swiped her phone's screen awake, it showed no signal.

Breathe, Kyra. Think. She was okay for now. She had her backpacking gear, plenty of food and water. She could overnight here just fine. All she had to do was wait. She took another deep breath, then launched a psychic message into the universe: Please send someone to help me.

She glanced around. It was pretty here, at least, with a postcard view of a forested valley from the shoulder of a mountain. The light was decent, if a little harsh, but it wouldn't be long before the sun's angle changed and sent shadows knifing across the road.

All she could do was wait.

A few hours later, she was dozing in the front seat when she heard a far off sound: a deep, loping rumble that grew louder, quickly, into noise that slapped her ears as a dirtbike blew past her without stopping. She slumped back against her seat.

Then brake lights lit up, and the dirtbike made a sharp u-turn in the middle of the road and backtracked closer. Damn, she was kinda hoping for a minivan driven by a soccer mom. She was all by herself out here. But beggars couldn't be choosers, and she got out of the truck and stood by the hood and waited.

Her stomach knotted and her chest tightened as she watched the bike roll to a stop a little ways away. The bike's engine fell silent, and then its rider hopped off and approached her.

He was tall and broad-shouldered, face hidden behind a helmet and mirrored goggles, and his jersey and pants were patterned in brash splotches of black, blue, and yellow. He wore plastic armor slung over his chest, guards over his elbows, and chunky boots. He looked like some futuristic video game warrior.

The boots must have been stiff. He clomped gracelessly towards her while stripping his gloves off to reveal large hands, and then he reached up and unbuckled his helmet. He pulled it free, shook a long dark braid loose over his shoulder, and Kyra froze like a leaf in a cold snap as she realized the rider was a woman.

A fucking hot one, too.

It took Kyra a few moments to recover her poise. "Hi," she said, to keep things simple.

The woman was even hotter when she smiled. "Hey there." Her cheeks and forehead were coated in dust, but it only made the unusual color of her eyes more prominent. 'Brown' and 'hazel' didn't do them justice. They flicked away from Kyra and over to the truck's engine. "Trouble?"

"Yeah. We barely made it up this far."

"Huh. No power?"

Kyra sighed. "Not as much as it should, which isn't much to start with."

"Mind if I take a look?"

"Go right ahead."

The woman bent down to put her helmet on the ground, but Kyra held out a hand and said, "Here, give it to me."

It was lighter than Kyra expected, its dusty white shell covered in scratches and scuffs. She placed it carefully in the truck's front seat, and when she circled back to the engine, the woman had already starting taking things apart.

She held a rubbery cable up to her eye, murmuring to herself as she inspected it. "You got a tool kit?"

"No." Kyra's cheeks warmed. Probably not a great idea to be traveling through BFE without a tool box, but her pickup had never let her down before.

"I've got one that might work. And lucky for you, my bike's Japanese too."

Kyra wasn't sure what that had to do with anything, and she mulled it over as she watched the woman walk to her bike and open the small pack strapped across its tail. Maybe the Japanese had a different school of arcane engine knowledge than anyone else.

The woman returned soon enough, and unfurled a canvas roll of tools that reminded Kyra of the paintbrush case that sat with her art supplies in the passenger seat of her truck, a variety of implements lined up in a neat row. Then the woman was plunging the length of a socket into the engine, turning the wrench with strong hands, pulling it out.

A frisson of excitement shivered out from behind Kyra's eyes, down her spine, and into places between her legs. Her cheeks warmed again, and she ducked her head and hoped she'd gone unnoticed.

The woman tapped something out of the socket into the palm of her hand. A spark plug. She plugged it into the cable. "Let's give it a check. Can you start your truck?"

Kyra hurried off, glad to be given something to do. She moved the helmet aside and slid behind the wheel. "Ready?" she called out.

"Yeah. Go for it."

Kyra turned the key. The engine coughed over unhappily.

The woman's voice floated out from under the hood. "That's enough. Come on back."

When Kyra returned to the front of the truck, the woman held up the cable and said, "You've got a bad spark plug wire. And if one's going bad, the others are too."

Kyra winced. "Perfect." Her breath squeezed out from her, as if a load of sandbags had landed on her chest. If she couldn't get the truck running here, she'd have to get it towed — and she didn't have the money for something like that. She'd have to call Thal, beg him for help—

"Well, Detroit Lake's just down the road. Maybe twenty or thirty miles, but it's downhill the whole way. If you want, I can follow you to make sure you make it there, and then we can figure out what to do next."

That we made the weight on Kyra's chest lose a few pounds. "That sounds great," she said. "I really appreciate it."

"Happy to help."

She extended a hand. "I'm Kyra, by the way."

The woman set the wire down and wiped her hands on her jersey, leaving a dark smudge of grease behind. It would stain if someone didn't soak it in detergent first before washing. She shook Kyra's hand with a firm grip. "Kassandra," she said, along with another smile. "Nice to meet you."

She put the truck back together in short order, and then she was pulling on her helmet and saying, "I'll pass you when we get close to town and you can follow me in." Kyra climbed back into her truck, buckled her seat belt, and tried the key. The engine fired up on her third attempt, and Kyra sighed with relief to be moving again with a clear plan ahead.

It took an hour to coast down that narrow and winding road, and once they reached Detroit Lake, Kassandra led her to a rustic-looking resort nestled among giant trees. The dirtbike came to a stop in front of a small cabin, and Kyra parked alongside it.

While Kyra locked her truck and walked to the steps up to the cabin's porch, Kassandra pushed the bike up the porch's ramp and parked it next to the front door. Kyra waited on the steps as Kassandra removed her gloves and helmet.

"Back to civilization, safe and sound," Kassandra said.

Kyra nodded. "And I owe it all to you." She supposed the tiny gas station across the road counted as civilization. It did have a pay phone.

Awkward silence. Kassandra straightened her braid over her shoulder. "Well, then." Her hands played with the straps on her helmet.

"Can I buy you dinner?"

She looked surprised. "You don't have to do that."

Was she being careful for a reason? Maybe she was taken, and there was someone waiting for her in that cabin. But she was too damn gorgeous for Kyra not to try again. "I insist," she said, letting an amused grin sneak across her lips. "I'm starving, anyway, and you did say we'd figure out what to do next."

Kassandra's hesitation was brief. "All right, then," she said. "But let me change out of"— a gesture at herself —"this, first."

When she emerged from the cabin a few minutes later, her face and neck were damp and she was wearing a grey t-shirt and jeans and a worn pair of work boots. The shirt was tight enough to jolt Kyra's clit wide awake: Kassandra had muscles for days, in the long lines of her forearms, the swell of her biceps, and the curve of her shoulders into honest-to-God traps framing her neck. Generous lips smiled and her eyes sparkled with amusement as she asked, "Are you all right?"

Kyra suddenly wanted nothing more than to kiss those lips while running her hands over the washboard abs she knew were hiding under that t-shirt. She swallowed hard and tried not to wriggle out of her skin with want. "I'm fine, yeah."

Kassandra eyed her for a moment. "There's a decent place to eat, up the highway a bit," she said.

Kyra gestured for her to lead the way. Far safer than opening her mouth.

The hamlet of Detroit was bigger than Kyra expected. A marina full of houseboats sprawled by the lakeside, and a handful of shops stood in a cluster a short distance from the cars hurtling up and down the highway.

A few minutes later, they arrived at a building that wore the facade of a hunting lodge, with weathered clapboard siding and a dozen chromed-out motorcycles parked in front. There was probably a deer head mounted on the wall inside.

There was a deer's head mounted on the wall inside, a great big rack of antlers spread above the stone fireplace. They sat, ordered drinks — beer for Kyra and a Jack-and-Coke for Kassandra — and fussed with place settings.

"You come in from Estacada?" Kassandra asked her.

"No, I spent last night camping at Timothy Lake."

Kassandra smiled. "I love it up there. It's gorgeous, and the riding's perfect."

"Is that what you're here for?"

"Yeah, I've got a few days between assignments. My crew just got back from three weeks in Tahoe."

"What do you do?"

"I'm a firefighter." Of course she was. Something must have escaped Kyra's expression because Kassandra grinned at her and added, "Wildland, not the firetrucks, ladders, and dalmatians kind. I work on a Hotshot crew based out of Redmond."

"Hotshot?"

"We work the toughest parts of a forest fire, without any other support. And we direct a lot of the action around us. We go where others can't."

"So you're good at what you do, then."

"I'm very good at what I do." And she had the confidence to match.

They were still smirking at each other when the waitress returned with their drinks. They ordered food. Handed over menus. Kyra excused herself to wash up, and when she came back to their table, Kassandra was staring out the window, showing off a profile so perfect it should have been struck on coins like royalty.

"So what do you do?" Kassandra asked her as she sat down.

"I don't, really." Kyra fought back her embarrassment. Very attractive, not having a job. No, she did work at something — it just didn't pay. Yet.

Kassandra's eyebrow raised.

"I'm an artist."

"Oh yeah? What kind?"

"I paint, mostly." She was acutely aware of Kassandra's silent scrutiny. She sipped her beer and kept talking. "Small studies in acrylics, for now. I'm chasing that perfect light."

"Perfect light?"

"Yeah. You know, after sunrise, or before sunset. That golden glow?"

Kassandra nodded.

"It's so perfect it's a cliché. But I'm interested in other kinds of perfection: rays of sunlight moving ahead of a rainstorm, or light passing through ocean waves. Things like that."

"Lots of that around here."

Their eyes met. "Lots of beauty around here, too," Kyra said.

Under the table, Kassandra's leg jerked.

The food arrived just in time to distract them. Kassandra dug into a steak — rare — and an enormous salad. "I eat nothing but processed food and MREs while I'm on assignment," she explained. "The other six months of the year, I eat every vegetable in sight while doing odd jobs to make ends meet. Construction. Fabrication. That sort of thing."

So Kassandra knew about the gig life. "I usually end up finding work as a barista to pay the bills," Kyra said between forkfuls of potatoes au gratin. "I like slinging coffee well enough, but what I really want is to get paid for my paintings."

"A worthy goal."

"I've sold a few here and there, but I can't get my foot in the door of any galleries." She shrugged. "I'm not making the work I want to be, and it shows, I think."

"What's stopping you?"

"Money. Oil paints and canvas get expensive at large scale. I want to paint like J. C. Dahl or Bierstadt did. Huge canvases. Big views. When you look at one of my landscapes, I want you to feel like you could lose yourself in it." She scraped her fork through the remnants of potato on her plate. "But that kind of neo-luminism isn't exactly burning up the auction houses these days. I'd be better off learning how to paint with a spray can and a stencil." She gave Kassandra an apologetic smile. "And look at me, boring you with all this talk about my nonexistent career."

"I'm not bored. It's just that everything I know about art went into the finger paintings I made when I was in grade school."

Kyra laughed. "Well, I don't know a single thing about fighting fire, so I won't hold it against you."

"At least we've got something in common."

"What's that?"

"You make sacrifices to do what you love. You live with the uncertainty, and I bet you know how to make a dollar go a long way." She smiled faintly. "I know... because I do the same."

"Maybe you can give me some tips on dealing with the uncertainty part," Kyra said. That was what was hardest, not having control of her life, not having a plan.

"Ask away, if there's something you want to know."

There were a lot of things about Kassandra that Kyra wanted to know, but she steered the conversation in a lighter direction, and the second round of drinks became a third while their knees kept brushing under the table, and the biker gang peeled out of the parking lot with a cloud of exhaust and noise, and the shadows grew long across the highway.

"Sun's going to set soon," Kassandra said. "Where were you planning to stay tonight?"

"I was hoping to make it to Bend today, but that plan's been shot to hell. And I bet there aren't any vacant hotels around here."

"Not this time of year. I got lucky finding this room — someone bailed on a reservation." She slid her empty glass back and forth on the table in front of her, as if the coaster was a raft she was guiding through rapids.

"Looks like I'm sleeping in the canopy of my truck, then. Wouldn't be the first time."

Kassandra's glass lurched to a stop. "Tell you what. You're welcome to crash in my room tonight. We can take my truck in to Stayton in the morning, find you some new spark plugs and wires. You'll be back on the road well before noon." She'd said it in a rush, as if she'd reached a chute in the rapids and had no choice but to follow it on down.

Kyra breathed in slowly. It wouldn't do to seem too eager. "Are you sure?"

"Yeah."

"Then I'm grateful for the help."

They bickered gently over the check, when it came; Kyra wanting to pay the whole thing like she'd promised, and Kassandra insisting on covering her share. Kyra sensed her digging in, unwilling to cross some line of propriety she'd set for herself, and so Kyra relented. There were too many hills around her for all of them to be ones to die on.

On the walk back to the cabin, Kassandra told her about a wildfire she'd worked not far from here, felling trees and digging fireline along a ridge in a forest dried-out from years of drought, the flames in the canyon below burning so intensely that the heat had created its own thunderstorm right above it. She'd dug and dug, rain and hail pelting her hard hat while bright blue skies stretched behind her all the way to Mount Hood on the horizon.

"That sounds... beautiful and terrifying," Kyra said as Kassandra opened the door to the cabin and gestured her inside.

"It's often both, yeah."

The room wasn't large, but the bed was. Bed in the singular. Kyra kept her smirk internal.

A small sofa sat across from the bed, a TV hid in the corner, and two doorways led to rooms unknown. Wood paneling on the walls, simple wooden furniture. Kassandra's belongings were organized neatly in an open wardrobe.

Kassandra made a beeline for the sofa. She plopped down onto it, stretched her arms out to both sides. Her arm span was wider than the sofa was. "I'll sleep here." She bounced up and down, ignoring the dire creaking of its springs.

"This is your room."

She shrugged, then leaned forward so her elbows rested on her knees. "So? You're my guest."

"You're six feet tall and that sofa's the size of a postage stamp. I'll sleep on it before you do." Kyra crossed her arms. "But really, there's no reason why we can't share the bed."

Kassandra had started twisting her fingers together; locking them in place, breaking them apart. "I can't have you thinking that I brought you here because I'm wanting something from you, for helping you with your truck. I'll sleep right here. It's fine."

Kyra had to shoot her shot, right now, or she'd end up sleeping in that big bed all alone. "Maybe I'm wanting something from you."

Troubled eyes looked up. God, she was gorgeous. "I... " she started. Stopped. And Kyra's heart sank. This is when Kassandra would tell her she was taken, that she had someone back home to soak those grease stains out of her jersey, to worry about her when she was working a fire, to—

"I was hoping you'd say something like that," Kassandra said softly.

Kyra took her by the hand, pulled her to her feet, and then Kyra slid her palms along the undersides of Kassandra's forearms. Heavy. Solid, like bronze. But that was the color of Kassandra's eyes, and when Kyra kissed her it was like a circuit closing like an arc lamp turning night into day like a quality of light she'd never seen before but knew she'd be chasing the rest of her life.

When they parted, Kyra was breathless, and she tucked her face into the curve of Kassandra's neck, feeling the steady cadence of her breathing. "Kassandra?"

"Hmm?"

"I'm so glad you didn't turn out to be some redneck."

Kassandra's laugh filled the room, and she gathered Kyra's face in her hands and looked at her. "Honestly, when I saw your rig, I was expecting some dried-up gold miner with shaggy hair and missing teeth."

"You thought wrong, Bubba."

Kassandra laughed again. Kissed her again. But when Kyra's hands strayed down to her belt, she pulled away. "Hey, slow down there, forty-niner. I'm pretty sure I have dust in unmentionable places."

"Do you really think I'd let a little dust get in the way of working my claim?" She reached for Kassandra again.

Her paydirt maneuvered away a second time. "I kinda want to take a shower..."

She waited for the rest.

"Think you might like to join me?"

She answered by curling her fingers around Kassandra's belt, and she glanced about the room, considering her doorway options.

"That way," Kassandra murmured along with a tilt of her head.

She pulled Kassandra to the bathroom, each step driving her to even giddier heights. Was this even happening right now?

Kassandra flipped the lights on. Clean, white tile and a matching shower. Nicer than Kyra had expected.

"This could either be really awkward or really hot," Kassandra said.

"You think this'll be awkward?" Kyra smirked and reached for Kassandra. There was no hiding in this light, no place for anything but want and confidence, and Kyra found her confidence in wanting to get Kassandra naked. Kassandra's t-shirt and sports bra ended up getting tossed in a corner, and then Kyra couldn't resist, she just had to kiss Kassandra while her hands found leather and metal to unbuckle, and she pushed fabric down over hips and thighs until Kassandra kicked it all free and stood naked before her in full glory.

Oh my God. Not only did Kassandra have muscles for days, she had them for weeks and months and years. Her proportions were perfect, in the horizontal of her shoulders to hips and the vertical of her torso to legs. Kyra's mouth went dry, her moisture draining to places south of her waist.

Kassandra flashed a rakish grin, then stepped into the shower, turning knobs while Kyra waited. Water jetted against tile with a loud hiss. Kassandra seemed to take a very long time — or maybe that was Kyra's thirst wringing out the clock in its search for droplets of satisfaction — but when Kassandra finally came back, she undressed Kyra with a touch both careful and reverent, her eyes drinking in the sight of Kyra's skin with every slow reveal.

Heat burned between Kyra's legs. Steam filled the bathroom. Her clothes joined the pile in the corner, and Kassandra's hands came to rest on her hips. She reached for Kassandra's braid, untied it, and worked the thick mane loose — along with a puff of dust.

Kassandra truly was covered in it, in streaks running down her steam-dampened skin. Kyra laughed and traced her finger through the grime between Kassandra's breasts, then drew an X on Kassandra's stomach. The hands on her hips shifted, nudging her towards the shower until she stood basking under its pleasantly hot spray.

The pressure was good: in the stream of water and the feel of Kassandra's hands on her skin. Calloused palms scratched and tickled the sides of her breasts, and she wriggled away, prompting an insincere "Sorry" as Kassandra played with her, alternating soft strokes from her fingertips with rougher ones from her palms.

Kyra bit back her want, slipped out of Kassandra's grasp, and said, "Your turn."

As Kassandra stood under the water, Kyra enjoyed the way it beaded over her skin, the way she glistened in the light. Then looking wasn't enough, and Kyra had to sample Kassandra's broad shoulders, the firm planes of her chest, the soft weight of breasts and plump nipples so different than a man. She smelled different too, none of that tang that men always had about them. It had been too long since Kyra had been with a woman, and Kassandra was showing her how foolish that was.

Kyra pulled Kassandra closer, pressed her up against the wall, and kissed her. Wet lips, water in her mouth, soft slick tongue. She was delicious, and Kyra grew greedy, wanting more more more as she ran her hands over sculpted abs and slid them lower—

That earned her hands a playful slap from Kassandra. "Ah, ah, ah. Hands off. I don't want to be distracted," she said, as she snagged the soap from a niche in the shower wall.

She knew exactly what she was doing, making Kyra wait, making Kyra watch as she soaped her skin and scrubbed it into a lather, making Kyra thirst while surrounded by water as she washed her hair. Her shampoo had the fresh, airy smell of citrus. It filled the shower, wrapped Kyra in its enticing steam.

This was a fierce kind of want. She scowled, snatched up the shampoo bottle, washed her hair as Kassandra emerged from the water clean and magnificent. The sight was too much; she turned her back to Kassandra as she rinsed herself. But as the last of the suds swirled down the drain, Kassandra's hands gently turned her around and soaped her from head to toe and she forgot everything except the hand slipping over her belly into the crease of her hip, slipping between her thighs, so close to where she needed, hovering without touching, moving from thigh to thigh—

"Fuck," she gasped.

"Is that what you want?" Kassandra asked. Her smirking grin was an inch away from Kyra's lips.

Kyra stared daggers at her.

"Sorry, you'll have to wait a bit longer," she said, and then she carefully rinsed Kyra clean. It was thorough, and luxurious, and melted Kyra's pique into forgiveness. She closed her eyes and her muscles went soft and pliant under Kassandra's hands, and she felt herself being guided out of the shower. She stood in the middle of the bathroom, waiting. Kassandra moved away. Kassandra came back. She rubbed Kyra down with a fluffy towel, wrapped her in it, then picked her up with breathtaking ease and carried her to the bed.

The length of Kassandra's body settled against hers. Dangerous weight. She could pin Kyra down, crush her with all that muscle. The towel bloomed open. Goosebumps sprouted across damp skin. The only illumination in the room came from the light in the bath. It snuck past the drape of Kassandra's hair and threw shadows across her face, and her eyes captured the sparks of want passing between them.

All that muscle on top of her, mouth at her throat, hands on her hips. Kyra's want buzzed and flickered, like a spotlight warming up. Now, find out now. She fit her thigh up between Kassandra's legs, pressed hard. A gasp from above. Kyra's heartbeat doubled-up, and there was no stopping her leg twining around Kassandra's. "Roll over." A demand, not a question.

Kassandra blinked, tilted her head as she searched Kyra's face. The sparks in her eyes danced. Really?

Yes, really. Kyra shifted her weight, used her leg as a pivot... and felt Kassandra yield.

All that muscle moved beneath her, hips made to be straddled, shadowed curves meant to be explored. Kyra's blood pulsed with an illicit thrill as she leaned forward. Skin pressing together. Breasts nestling together. Damp heat, water turning to sweat.

She kissed Kassandra, tasted her hunger, her soft mouth opening to let Kyra in. No games and no playing hard to get. Her want, Kyra's want, their want speaking in tongues. Kassandra's fingers tangled in her hair. That mouth should be on her clit. Those fingers should be inside her.

Wait. Wait longer. She sucked at Kassandra's lower lip, raked it with her teeth, apologized with her tongue. She pulled her mouth away, smiled as Kassandra groaned and stirred, muscles bunching, eyes burning like carbon filaments, captive and captivated. Kyra moved her mouth lower: the silvery scar on Kassandra's chin, the rapid pulse at her throat, the wings of her collarbones. Lower, until her lips found the soft swell of a breast, the nipple she could persuade to grow harder with teasing lips and tongue. First one, then the other. And Kassandra's back arched: Yes.

How sweet of her to offer. Kyra slid off to the side, surveying the chiaroscuro of the exposed planes of Kassandra's body. Choices, choices. Kassandra's spectacular abs, or the inviting shadows between her thighs?

Both. Kyra was getting greedy again. She ran her tongue along the sculpted grooves of Kassandra's stomach and slid her hand into soft curls. Swollen heat. Desire soaking her fingers, satisfying in a way arousing a man never was. And making this particular woman so wet... She smiled and drifted her mouth lower, tasted her own desire in a trail she'd left on Kassandra's belly, and her clit was bright and burning and her ache went deep, wanting to be fucked, wanting to fuck.

She stroked slick fingers everywhere but the places Kassandra wanted. Hard to be so patient, when every touch felt like it reflected back at her, teasing and being teased. She was dripping. Kassandra was dripping, her body twisting restlessly in a tangle of sheets and towels. Kyra stopped moving. Her fingertips hovered, waiting. And Kassandra's hips lifted: More.

Kyra's mouth was almost too close to Kassandra's clit. It tempted her, nestled in dark, feathery curls, proud and swollen and hard. That was Kyra's doing. She'd made that happen. Hard not to let that surge of power go straight to her clit, and she closed her eyes against the bright flare of her own need.

Focus. Come back. Breathe in air heavy with warm, damp arousal. Breathe it out across Kassandra's sensitive flesh. Kassandra squirmed under her cheek and let out a frustrated moan.

That sound was pleasing, and she dipped the tips of her fingers into silky wetness. The tiniest taste, no more. Kassandra's moans grew louder. Kyra's blood beat in her ears. So easy, capturing Kassandra's full attention in the spotlight of her breath and the smallest movements of her fingertips.

Wait. Move slowly. Kassandra's muscles corded and strained, and Kyra wound them tighter and tighter with every touch. All that strength in thrall to her fingers — the rush lifted Kyra to stratospheric heights. She could glide on it, never come down. She lost all track of time in the artificial, unchanging light. How long had she kept Kassandra like this? How long could she?

Beneath her, Kassandra was panting with her thighs spread wide. She rocked her hips, chasing Kyra's fingers, and Kyra made her fail again and again. Her attempts grew half-hearted. She gave up trying.

This was Kassandra primed like a canvas: body taut beyond trembling, senses tuned to Kyra, clit starved for attention.

Kassandra's sounds devolved into one long, unbroken whimper. And then, finally, Kyra went to work, sucking Kassandra into her mouth and easing her fingers all the way inside.

Nothing fancy: steady strokes, tongue on clit, the way women have been getting each other off since ancient times. She'd already tested Kassandra's patience at least that long.

Kassandra whispered Yes and Fuck to guide her. Kassandra angled her hips just so. Kassandra snapped at the point of release with a sudden growl, her hands grabbing fistfuls of bedsheets as she writhed, lost in pleasure.

Kassandra throbbed against her tongue and pulsed around her fingers and Kyra lay there not moving not wanting to move in the golden glow, wanting it to stay wanting to capture it and keep it.

But it faded, eventually. She slid up the bed and rested her head on Kassandra's shoulder and smiled for a long, long time.

"I'll be damned," Kassandra said quietly, once she caught her breath. "Is that how you always say thank you?"

"When I'm feeling inspired."

"You really are an artist."

Kyra smirked. No matter how the rest of their time together played out, she'd always have the memory of Kassandra writhing around her fingers.

The mattress compressed as Kassandra knelt above her. Kassandra rested a hand on her belly, and though there was no weight behind it, it pinned Kyra right to the bed.

"Well," Kassandra said. "You certainly set the bar high, honey. But it's my turn now."

Kyra opened her arms wide and gave Kassandra her dirtiest come-hither look. "Show me what you've got, hotshot."

Kassandra smiled, and did.

Part of the Heat Index...

#kyssandra #kassandra #ac odyssey #shameless smut #plot what plot #wildland firefighter kassandra #there was only one bed #kyra's on top #tropetacular but i dun curr #heat index #once upon a time #i may have been riding my dirtbike on this road #when i came across a hot lady firefighter with a broken down truck #alas that encounter did not end like this story did #bc i was on my way to meet up with a riding buddy #but man what perfect writing fuel that experience was

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witharsenicsauce · 4 years ago

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Chosen Stories From the War #32: Forgetting Old Weapons

The wind whipped around the dirt road, stirring up sand and dust as the wheels of the dirtbike cut across the trails. Kon-Mai held up her hands to cover her face as her brother passed by them once again. Her white hair whipped around her in the violent wind: she had released it from it’s braids and it was hanging in ringlets today.

Dhar-Mon growled as he picked the sand grains off his tongue. “I do not understand the appeal of this.”

“I assume he likes the thrill.” Verge said, from his position on Kon-Mai’s left hand side. He was standing there with his hands clasped behind his back, at attention like always, but he seemed to be staring longingly at Gur-Rai as he made another lap on the road that ran around the oasis. “The sound of the tires on the road, the wind in his hair-”

“He is bald.” Kon-Mai chuckled. “Nazira is not though, and she evidently enjoys that sentiment.”

As Gur-Rai’s bike came to a slow stop in front of them, the tall woman stepped off and shook out her black hair, giggling the entire time. “That was lovely! I haven’t had this much fun in years!”

“I can always be counted on for a good time~” Gur-Rai said with a smirk, a bit of a purr in his voice. “Well? Anyone else up next? Molly, how about you?”

“I’ll ride with you when you wear your helmet.” She sighed, her arms crossed. “You know if you take a spill and smash your skull open, I don’t want to be the one scooping your brains back into your blue head.”

“That’s what the hood is for.” He chuckled, tapping the barely armored cloth. “But fair enough. Verge, how about you?”

Verge blinked. “What about…?”

“Why don’t you hop on.” Gur-Rai patted the seat behind him, winking as he did. “I would dare to say you’ve never been on a bike like this.”

“That is not true…” Verge straightened up and cleared his throat. “I have been on bikes.”

“Oh?” Gur-Rai leaned forward on the handlebars. “Then hop on. I mean. If you want~”

“Do I have a choice?” Verge raised a brow.

“If you prefer, I can lift you up on my back and carry you around the track~”

“I doubt you could lift me, but I like the idea.” Verge smirked.

“You wound me. I can lift my sister and she’s heavy as a truck!”

Kon-Mai hissed.

“Well then, let’s see.” Verge smirked, certain Gur-Rai would not go through with this threat. That smile disappeared as Gur-Rai jumped off the bike and scooped him up bridal style. Verge let out a yelp, and Nazira cackled.

“Oh come on now, you liked it when Zafar did it~” She winked, and Verge’s cheeks seemed to almost glow purple.

“Do not tease him.” Kon-Mai said with a barely visible smirk. “The poor thing has only just discovered what emotions are.”

“Now now, I think we’re all in a similar boat.” Nazira reached up to lean on Kon-Mai’s shoulder. Even with her own great height, she only came up to just about the Chosen woman’s neck.

Malinalli looked up at Dhar-Mon, who was staring after Gur-Rai as he ran off with Verge in his arms, and smiled. “You could probably carry me if you wanted.”

Dhar-Mon blushed bright purple. “...I suppose.”

“Mm.” She clasped her hands in front of her, turning around as footsteps approached them. “Oh, hello Sir.”

“There is no need for that.” Zafar insisted, his wide mouth growing into a sharp grin. His black hair was pulled back into a ponytail that sat tall at the crown of his head, and his red robes fluttered in the light desert breeze. “Nazira, the Commander wishes to speak to us again.”

“Is she finally ready to fork over some soldiers?” Nazira sighed. “I hope she lets you all stay, I’ve been having so much fun with all my Chosen~”

Kon-Mai sighed. “We are needed for the greater war effort.”

“Oh fine, I understand, forget all about little old me.” Nazira said it jovially, but there was an edge to her voice.

“I don’t know what she’s decided.” Zafar admitted. “And ultimately we are at her mercy.”

“If she wants me to pick up a gun again…” Nazira grumbled as she let go of Kon-Mai. “Well, give Gur-Rai a kiss from me!”

“I will meet you there shortly.” Zafar called after her. Turning back to the Chosen, he raised a brow. “I wanted to make a request of all of you…” He said. “It is about my own...abilities.”

“Why do you sound hesitant?” Dhar-Mon asked.

“Because those memories are never pleasant to revisit. That time of my life feels completely detached from who I am now.” Zafar admitted. “I don’t know if I’d even be able to hold a pistol right anymore, and that leaves me at the mercy of XCOM, whatever their whims may be.”

“Just use your psionics.” Malinalli said.

Zafar chuckled. “I wish I could. But the gift does not embrace me like it does you...humans.”

“What of a sword?” Kon-Mai asked. “Have you ever utilized a sword or close range weapon?”

Zafar raised a brow. “I will admit we haven’t.”

Kon-Mai’s face seemed to light up. “Maybe I could teach you. The sword is quite different from the gun.”

“I have long wanted to explore more traditional means of human warfare.” He chuckled. “And who better than the mistress of blades to teach us?”

Kon-Mai grinned, bearing sharp teeth. “With me you will not just learn to kill. You will learn to dance.”

“I shall look forward to our battle, Shrinemaiden.” He waved as he disappeared into the sand.

Senuna plopped down on the pillow, her white cape fluttering behind her as she did. Jane adjusted her rifle in her arms, leaning it against her hip. She didn’t intend to use it today, and Bradford didn’t even have his drawn, but he did look at Zafar with the slightest bit of distrust. Just like him to assume everything would go wrong.

“I have good news.” Senuna said. “The Reapers have graciously stepped up.”

Zafar blinked in confusion. “Stepped up to what?”

“They’ll be donating their own forces to cover Dakhla.” She said. “Their home has been under siege by ADVENT and they need-”

“They hate us!” Nazira stood up from her position at her brother’s side, her face pale. “They eat alien meat, don’t they?!”

“Yes, but.” Senuna held up her hand. “Since allying with the Skirmishers, there has been a considerable drop in that. They mostly eat Chryssalids and Vip-oh.” Senuna stopped herself too late.

Nazira looked at her with a mix of horror and fury. “Brother. We can’t.” She hissed. “They will kill us in our sleep.”

Zafar sighed. “I did not expect you to involve the other factions.” He said. “We have already had problems with the Templars to the north. If it was the Skirmishers, maybe. But the Reapers are known to harbor ill feelings towards us.” He shrugged. “Not that I blame them, per se. But we want safety here, and I think this will provide more unrest.”

Bradford stepped forward. “Look, you need soldiers. The Reapers need a new home. Avoiding each other isn’t going to make this sentiment go away so you might as well face this head on.”

“I would agree.” Zafar nodded. “But I also don’t want riots breaking out in my village.”

“It won’t just be Reapers.” Jane spoke finally. “About two dozen XCOM recruits will be staying behind, as well as a few Skirmishers. The exact number I don’t know.”

“I don’t want to be stabbed in the back and skinned as a delicacy.” Nazira hissed. “And who’s to say they won’t?!”

“You are allies.” Senuna assured her. “Volk is stubborn, but not stupid. He won’t attack you on purpose.”

“Maybe he won’t. But what of his soldiers?” Nazira crossed her arms.

“His soldiers are all quite obedient.” Jane said. “Except Elena, but she almost holds a command position herself. And she’s married to a Skirmisher. She’d be a good fit here.”

That, Zafar seemed to ponder. Nazira still grimaced at the idea, but she held silent.

“What else?” He asked. “There’s something more you’re thinking of, Commander. I know it.”

“We would like to train some of the citizens.” She said. “As helpful as our own troops will be, it will be much easier to defend Dakhla if the people here can use a gun.”

Nazira turned on her heel and stormed out, and Zafar sighed. “I was afraid you would ask this.”

“Why?” Senuna crossed her arms. “Most of the people here are former ADVENT.”

“Most of the people here are traumatized by their service.” Zafar objected. “My own hands struggle to hold weaponry. Getting them to hold a weapon would be nigh impossible.”

“That can’t be true for all of them.” Jane said. “We’re in the middle of a war. They have to fight.”

“Do they?” He asked, glaring at her. “Or do you simply expect them to?”

Jane fell silent, where Senuna piped up. “Yes. We do.”

Imdugud was tired of not receiving the recognition he deserved for such a taxing job.

It was his job to wrangle in the Sectoids, who had grown unruly with the implementation of human DNA. It was his job to oversee the cloning facilities and to do annual checks on the gene therapy clinics. It was his job to make lists on lists and then make lists of those lists and of course he did it all. Why wouldn’t he? He loved his job.

But oh did he wish it had more reward. As it was this was no different from his life on Thaumas.

“That’s not true.” Reue said behind him. She could hear his thoughts and she had no problem snooping. “People do appreciate you here. People actually answer to you. Remember on Thaumas? You took all the blame, it’s how you fell in with us to begin with.”

He hated it when she was right. But she was. “Whatever you need, Reue, it’ll have to wait...” He said, not looking up from the desk he levitated in front of. Before him were spread several thin sheets of paper, and he ran his hand over one of the crisp corners. Stars above, he loved this planet, it’s trees and it’s paper. “Do you remember when Bhandasura took us out to the wastes of Korallion? Where the crystal trees grew so high they punctured the atmosphere?”

“Yes.” Reue said as she came closer.

“I hated those trees.” He growled. “Unmoving, unending, barely alive.” He picked up a sheet of paper: it was another list of all the designation numbers of the Sectoids he was reviewing for his mission. Half of them were crossed out. “Can you feel this? It’s soft and real.”

“It’s dead.” Reue deadpanned. “That’s just a flap of dead flesh from a tree.”

“Yes. But it was once alive.” He chuckled and laid it back on the table. “Now, the names written on it, you could make the argument that they’re already dead too.”

“But they come from us.” She protested. “I wish you would take care of them-”

“So did the Chosen. And look at them.” He scoffed. “That went so well. I swear upon a black hole, if our doctors have to keep diverting resources to Abyzou and her abhorrent obsessions, we’ll lose all we’ve gained over the millennia.”

“Don’t talk about lau Mordenna like that.” Reue hissed.

“Well, for a moment I forgot how pathetic you were.” Imdugud gathered up the papers in his hands. “This little crush was cute at first, but it’s gotten old, Reue.”

“So have you.” Reue spat. “When will your force be assembled? Lau Madron wants to know where his daughter is.”

“I’m still waiting on Xezbeth and Tiyanak, they said they’ll have something ready for me tonight.” He brushed past her. “...Do you miss home, Reue?”

Reue didn’t answer at first.

“I hope not. I sure don't.” Imdugud chuckled. “The universe would be better off without the whole lot, anyway.”

While the soldiers had, at first, found Dakhla to be new and exciting and exotic, they had quickly grown bored when they discovered that there were less “Viper Hostess Bars” and more “small desert taverns.” They had found one that was, quite literally, a hole in the wall, it’s sandstone walls keeping the cool air inside to shield them from the unrelenting sun. The ground was covered in sand, and everything had a strange, thin layer of dust coating it like a second skin.

Mithridates didn’t look up from his laptop until Tiwaz poked his ribcage, and then he jumped, looking wide-eyed at the older man. “Y-Yeah?”

“Want anything to drink?” Tiwaz asked with a smile. He had discarded his armor in favor of a tank top and shorts that came up far above his thighs. His blonde hair was getting long, now falling in a dirty mop around his eyes and down his neck.

“...No.” Mithridates shook his head. “I don’t drink.”

“Come on, Maruf.” Tisiphone practically barked at him, her voice echoing through the cave-like room. “Loosen up a bit.”

“It’s against my religion.” He muttered.

“I didn’t know you were religious.” Princess chimed in, a smile on her face. “I’m a Presbyterian! What do you practice?”

“The belief that everyone can mind their own fucking business.” Mithridates glared at her. “I don’t drink, that’s that.”

“Okay, fine, don’t get so anal about it.” Tisiphone stood. “I’ll come with you. I’m gonna grab a rum and coke.”

Tiwaz nodded. “Maruf, you sure you don’t want anything? Maybe a soda?”

Mithridates pondered that for just a moment. “...Coke.” He finally choked out.

“Can do!” Tiwaz sauntered his way over to the bar, Tisiphone following behind him to the bar. The stone was inscribed with ancient hieroglyphs written all the way back in the days of Egypt, and at first the soldiers had all been enamored with them, until the barkeep told them it was just a recipe for beer.

The woman there was...not what they were used to calling a woman, and Tisiphone paused for a moment, watching the Viper wiping down a glass with a rag and putting it under the sandstone counter. Despite the scales, she seemed to have wrinkles around her red eyes. It sent a shiver up Tisiphone’s spine: this alien looked almost human.

“You ok?” Tiwaz took her hand.

“Yeah.” She sighed. “...It’s just hard sometimes.”

“I get you. I think this one is cool though.” He smiled.

“How do you know?” Tisiphone raised a brow.

“I like to assume the best in people.”

“That’s a good way to get killed.”

“It worked when I met you.”

“Yeah, and I tried to kill you.” Tisiphone chuckled, relaxing enough to lean on the bar as the Viper turned towards them. “Rum and coke?”

“Is Pepsi okay?” The Viper hissed.

Tisiphone sighed. “Good to see some things never change.”

Kon-Mai ran her hand along the outside of the temple, barely grazing the centuries old graffiti. Sarapammon, an old god (or perhaps king?) stared down at her, flanked by a baboon and a ram. His full locks of hair, strong back and piercing gaze reminded her of Dhar-Mon. Once, she had seen him make an address to the people of Earth, in the middle of the city center in Ehime. He had announced her presence like he was proclaiming the second coming. In that moment, she had felt special. That moment ended far too soon.

She looked into the darkness of the tiny temple, it’s cool air blowing over her slightly sunburnt face, and she took a single step inside before the sound of movement caught her off guard.

“Who’s there?” She heard Nazira call from the darkness.

“Only me.” It was hard to sound calming with her scraggly voice, but she tried anyway. “I thought you were meeting the Commander.”

“I was.” Nazira sounded like she wanted to say more, but nothing else followed.

“...May I step inside?” Kon-Mai asked. “The sun is-”

“Yes, sure.” More rustling, like the woman was making room for her, and Kon-Mai stepped into the shadows. Like always, they swallowed her, surrounding her like old friends.

Nazira sat cross legged before the tiny alter, which bore the visage of three gods, two men and one woman. Kon-Mai felt her heart drop for a moment before she shook off that fearful feeling. There was no way.

She knelt beside her, sitting back on her heels and closing her eyes for a moment, letting the cool air not just overtake her, but flow through her. For a moment she could see Dakhla as it once was, bustling with ancient humans who spoke a language so like her own and yet not at all. Some of them saw her. Some of them looked like her.

She opened her eyes and looked at Nazira, who was staring up at the wall, inscribed with ancient hieroglyphs. “Did something happen?”

“The Commander doesn’t listen.” Nazira spat. “I don’t want to fight her wars. I just want to live.” She reached up and pressed her long fingers into her brow ridge. “I never want to pick up another gun.”

Kon-Mai raised a brow. “Never?”

“I am done with that life.” She added. “I am no longer that person, quite literally.” She gestured to herself. “But she can’t see that, can she? It’s just like with the Elders. I’m just a tool for them to use.”

Kon-Mai didn’t know quite what to say. “...I’m sorry.” She finally said. “I did not realize this war had such a lasting impact on you.”

“It affects all of us differently.” Nazira mumbled. “Most people here avoid guns because they feel as though they can’t trust themselves with them. I know I can’t trust myself not to break and forget all I am now.” She shifted, sitting on her hip. “If I pick up another pistol, I worry I’ll be no different from before.”

“That is a silly fear.” Kon-Mai said. “You are you. That should never change.”

“Don’t.” Nazira glared at her, green eyes glowing in the dark. “Do not patronize me.”

Kon-Mai shrunk back a hair.

“I suffered endless torment at the hands of the Elders.” She held out her palms. “I was never meant to be like this. I was stolen from a home I will never know, mutated to serve their purpose, given a gun and told to kill like a mindless slave. You of all people should understand-”

“I’m sorry.” Kon-Mai interjected quickly. “I was not thinking of what I said. It’s not a silly fear.” She took a slow breath. “I only meant, the Elders do not decide who you are. You have already made that decision. I believe you are strong enough to uphold it.”

“I hope so.” Nazira stood. “But I’m not willing to take that risk.”

Suddenly, Kon-Mai’s eyes lit up. “Is it only guns?”

Nazira looked confused. “Only guns?”

“Your brother asked earlier if I could train him in swordsmanship.” Kon-Mai smiled excitedly. “Perhaps I could do the same for you.”

“Then it is settled.” Zafar finally relented, but there was a smile on his face to indicate that this interaction wasn't entirely disturbing to him. “Those who wish to train with XCOM will be given the opportunity I doubt you’ll have many takers, but what can I say?” He chuckled.

“And the Reapers will be given a temporary outpost here.” Senuna added. “Until they can find a better place to set up shop.”

“I think that will be fair enough.” Zafar nodded and stood, reaching out to shake Senuna’s hand. “What will happen now?”

“Now I must escort our troops to you.” She giggled. “It shouldn’t take all that long, but we will be gone for a few days. The Templars are making their way over here and will likely arrive before us, so try to be on alert.”

“For someone with such power yourself, you seem to be very wary of the Templars.”

“That’s exactly why I am wary.” She winked. “I know what I can do, and I don’t trust myself one bit~”

Zafar blinked, looking at Bradford worriedly.

“Don’t worry about it.” He chuckled. “She’s bad at jokes.”

“Oh that’s wise, Dadford~” Senuna glared back at him.

“That’s a vintage meme.” Jane chuckled. “If we’re all done here, I’m going to check in with the other soldiers.”

“I heard some of them were checking out that little tavern by the entrance.” Bradford tapped his chin. “Was it um…”

“Althae’s Ban.” Zafar snickered. “Yes, it’s a...very interesting place.”

Bradford blinked slowly, and Jane looked away to hide her smile as she rushed out. “Um, so yeah, see ya on the ship Bradford.”

“Jane-” Bradford reached to stop her, but Senuna waved her hand.

“Let her have fun. She’s young.” She giggled. “And I trust her to be safe.”

“She’s an intriguing young lady.” Zafar raised a brow as he watched her speed walk down the road. “...Hm.”

“Hm?” Senuna chuckled. “I’m afraid you’re not her type, Zafar.”

“And she’s not mine, so don’t worry.” He crossed his arms. “She’s simply familiar, that is all.”

“Familiar?” Bradford looked interested. “How so?”

“Her face.” Zafar seemed to brush him off. “I’m sure I am imagining it, but she resembles someone my sister and I met long ago.”

Jane pushed aside the colorful curtain, and the smell of brandy hit her in the face. She took a strong whiff, almost expecting to see Bryni somewhere nearby, but alas the red haired pilot was nowhere to be found. Damn.

She did see a few familiar faces though. Princess and Mithridates were in a booth by themselves, and made sure there was no way they’d be mistaken for a couple by throwing pebbles at each other. Tisiphone and Tiwaz were by the stone bar, beside an older looking snake woman. Her scales were a pale sea foam green, and her eyes were crimson. At Jane’s entrance, she looked up briefly and scanned the human with a flick of her eyes, then her tongue.

Jane straightened her back and marched over to the bar. “Hello.”

“Hi Quiet.” Tisiphone grumbled. “Don’t mind my attitude, I’m just trying to get drunk.”

“What if you need to be alert?” Jane asked. “If there’s an ambush?”

“I can shoot while I’m drunk.” She snapped. “Better than the boomer here.”

“Hey.” Tiwaz chuckled, unfazed by her comment. “You always seem grateful for my grenades in the field.”

“In the field, yeah. Everywhere else, your explosive personality is annoying.”

“Oh fuck you!” Said someone who was not Tiwaz. Princess came stomping over. “He won’t let me play solitaire on his computer!”

“You’ll ruin my high score, you fucking bitch!” Mithridates snapped, holding his computer against his chest.

“Children.” Tisiphone rested her head in her hand. “Please shut the fuck up.”

Jane looked up at the barkeep, who was obviously watching but trying not to make it look like she was. She gave her a nervous smile, and the Viper flicked her tongue at her.

“What’s your name?” Jane asked.

“You cannot pronounce what my sisters call me.” The Viper said in a voice that was scratched and worn. “But the humans here call me Althaea.”

“The Healer.” Jane nodded. “Fitting.”

“I heal minds with my brew.” She said, putting a glass in front of Jane. “And bodies in...other ways.”

“What kind of bodies?”

“Any that catch my interest.” Althaea looked her up and down. “And you certainly do. You’ve walked along the edge of a blade.”

Jane pondered this a moment. “...I suppose I have.” She took the glass. It smelled of Absinthe. “So what made you leave ADVENT?”

“Same as all the rest. My chip fell out one day.” Althaea grabbed a rag from under the bar, although it was covered in sand already so it did little to clean the stone bar. “I managed to fake it for a while. It wasn’t like I was an officer so I could just listen to the vocal commands. But it just ain’t right. We vipers aren’t meant to be caged.” She leaned forward. “I know the names of every planet the Elders conquered.”

“Really?” Jane raised a brow. “And you want to tell me yours?”

“It was called Vyraj.” She said sadly. “I don’t even know if it’s still inhabited. Not like it matters. I will never see it again.”

“Never say never.” Jane reached forward. “When we win, I might take you there.”

“When we win.” Althaea looked up at her, red eyes meeting hazel. “You are an interesting human.”

“I get that a lot.” Jane took a long drink of Absinthe. It burned going down her throat. “When do you close?”

“Right now if your friends can behave themselves for an hour.” She chuckled, already putting up the “OUT TO LUNCH” sign.

Imdugud tried to be as quiet as possible as he approached the two, but they seemed to hear him anyway and whirled around, their almost black eyes meeting his pale purple ones.

He let out the breath he was holding. “I need your reports.” He said. “I have been waiting days and you haven’t responded to me. Have you put more resources into creating the priests like I asked?”

“At first we did.” Tiyanak clasped their hands in front of them. “But then-”

“We had an idea.” Xezbeth interrupted their partner. “A wonderful idea.”

“I do not pay you to have ideas.” Imdugud snarled.

“You do not pay us at all, Imdugud. We are equals in rank.”

“Perhaps here. But on Thaumas-”

If Tiyanak had a mouth, they would have been smiling. “But we are not on Thaumas.” They said. “And I believe that’s quite lucky for you.”

“I can have you executed for this.” Imdugud sighed, knowing he was defeated. “Xezbeth, for the stars sake, you look like you are about to supernova.”

“I know you will like what we have made.” They insisted. “Follow us, Imdugud, and see.”

“Will it help in capturing the Assassin?”

“Yes.” Xezbeth insisted. “That is why we did this. This will give us the edge against her.”

Imdugud pondered this for a moment, and the two stared at him, Xezbeth twitching excitedly, Tiyanak’s eyes burrowing into his soul.

“Fine then.” Imdugud relented. “Show me this great project of yours.”

(Technically it’s still Monday! If I don’t sleep!

Like I said in my announcement, future chapters may be getting delayed as my county is currently burning to the ground. I hope to have the next chapter out by Sunday, but thank you all so, so much for being patient with me!)

Archive: https://chosenstories.tumblr.com/

#xcom #xcom 2 #xcom 2 war of the chosen #xcom au #xcom vipers

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deadcactuswalking · 4 years ago

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REVIEWING THE CHARTS: 21/11/2020 (Billie Eilish)

I’ve got an easy week ahead of me since nothing happened this week. Okay, that’s a lie because there are some big stories here but we only have six new arrivals, meaning that this might be a shorter episode and honestly I’m glad. We’ve had immensely busy weeks since I started this show, full of album bombs from 21 Savage, Ariana Grande and Headie One, bizarre new entries from years ago like “Train Wreck” or “All Girls are the Same”, interesting and intriguing new arrivals ranging from Clairo to Giggs and most importantly, a lot of comical mediocre garbage from D-Block Europe. This week, however, I’ve got half of my usual bargain bin of pop music and whilst some of these songs are notable and worth talking about... well, you’ll see. “positions” by Ariana Grande is spending a fourth week at #1. Welcome back to REVIEWING THE CHARTS.

Dropouts & Returning Entries

Firstly, let’s run through the drop-outs, most of which are inconsequential considering this is a slow breather week between two massive ones – BTS are coming next, folks, and bringing Megan Thee Stallion with them. I think our most notable losses is how absolutely everything from Kylie Minogue, the Kid LAROI and even dutchavelli is completely gone here, including “Cool with Me” with M1llionz, the actual single from the record. I guess we can say goodbye to the top 10 hit “Breaking Me” by Topic and A75, as well as the drop off of one 2020’s biggest #1 hits, “Rain on Me” by Lady Gaga and Ariana Grande – we can wish a perhaps premature farewell to “Jerusalema” by Master KG and Nomcebo Zikode while we’re here. The bigger stories probably lie with our returns, many of which are peaking or returning to their peak like “Sofia” by Clairo at #75, “All Girls are the Same” by the late Juice WRLD at #73 and “Martin & Gina” by Polo G at #71. The Christmas songs have also started flooding in, one of which is a new arrival that we’ll talk about later, but so far we just have the controversial classic “Fairytale of New York” by the Pogues featuring Kirsty MacColl returning to #63, “Last Christmas” by WHAM! – the biggest #2 of all time – back at #44 and already, on November 21st, more than a month before the big day, “All I Want for Christmas is You” by Mariah Carey moving up to the top 40 at #30. I don’t see much competition that’ll block this from #1 this year. Also, speaking of all this holiday music, “Holiday” by Little Mix returns at #36 thanks to silly UK chart rules that meant it was traded off with “Happiness” from last week. I’ve already reviewed all of these songs – or close enough to all of them – but one I haven’t reviewed is “Yes Sir, I Can Boogie” by Baccara returning to #57 as it becomes the new Scottish football anthem. You know, that Spanish disco track from 1977. It did hit #1 that year, but this is such a bizarre return I felt the need to talk about it... but, never mind, I think I should take advantage of having less on my plate this week. In terms of fallers and climbers, “Straight Murder (Giggs & David)” by, you guessed it, Giggs and Dave, dropped out of its top 40 debut to just #56 this week, joining the biggest faller, “Dynamite” by BTS, presumably having its streaming cut or just finally running out of the K-pop steam, dropping from #21 to #52. Other songs backing away from the top 40 include “Deluded” by Tion Wayne and MIST at #49, “Confetti” by Little Mix at #42 and “Loading” by Central Cee at #41. What worries me is there’s not much that seems to be replacing it, other than maybe “Plugged in Freestyle” by Fumez the Engineer and A92 at #45 or our biggest climber, “Get Out My Head” by Shane Codd at #30. It should also be noted that strangely, the album at #1 on the Album Charts has no presence in the UK Top 75 – which I review because, really, who cares about those last 25 songs? – probably because of how many physical albums were sold instead of digital sales and streaming. It’s an AC/DC album so it’s expected that the audiences who stream songs and buy CDs from Australian rock legends don’t overlap, even with a big lead single that nearly charted on the US Hot 100. Well, let’s talk about the songs that DID debut finally, starting with... the revenge of the Sith.

NEW ARRIVALS

#65 – “Cut Me Off” – Yxng Bane featuring D-Block Europe

Produced by DZL and Akeel

The music I’ve been listening to has been pretty much all over the place recently, ranging from 1990s drum and bass to McAlmont & Butler to bitcrushed hyperpop to Ned’s Atomic Dustbin to... Young Thug, for some reason. That’s part of the reason I like doing REVIEWING THE CHARTS. It keeps me grounded to what music is actually popular, important and what I should be looking out for. With that said, I don’t think I’ve ever felt the need to look out for D-Block Europe, but they keep on popping up on the chart week after week regardless. Well, a collaboration between these two is never unexpected; after all, they have an entire album together, which has sometimes confused me since Yxng Bane has always been a smoother Afrobeats crooner whilst D-Block Europe make stiff, comical trap-adjacent emptiness type beats... whatever that means. The collaboration, I have to say, actually works and I’ll admit, I’m actually pretty fond of this track. It’s got a pretty minimal beat off of mostly dancehall percussion, sparse vocal samples and bass, but it picks up a lot of groove during the chorus and whilst Yxng Bane isn’t exactly the most interesting frontman, he does ride the beat fine and his sing-songy flow is pretty damn catchy. He takes care of the first half of the song, before D-Block Europe even come in, and surprisingly, the first other voice we hear is Dirtbike LB. No, Dirtbike isn’t interesting but he sounds a lot more engaged than usual and he actually sounds mentally sound and happy, so that’s good, even if he rids the song of any of Yxng Bane’s subtlety. His flows are pretty solid, even if they are sometimes copped from NAV on “Lemonade”, oddly. This beat can also handle Young Adz’s fascination with leaving empty space in his verses, as he has some pretty complex melodic and triplet flows over the beat, which never loses its funk even when threatened with how awkward D-Block Europe tend to be, and that final flow Adz uses over the pumping 808s is smooth as all hell and actually has some swagger for once. He doesn’t say anything embarrassing and there’s actually some wordplay going on here, so I really can’t complain about this track as much as I wanted to. Will it stand up to replay? Maybe not, but this is pretty great actually and a massive improvement from all three of these dudes, although this may just be a fluke like “New Dior”. If these guys want to show more fluke brilliance from now on that would be great. Just saying.

#60 – “HOLIDAY” – Lil Nas X

Produced by Take a Daytrip and Tay Keith

I like Lil Nas X. I enjoy his fun social media presence and meme-heavy persona, which may grow old to a lot of folks but I still like seeing him pop up on my timeline. I admire how he is openly gay and not afraid to discuss that in his music especially when he has the impossible platform of “Old Town Road”, one of if not the biggest songs of all time. I’m intrigued by his willingness to blend genres and break down boundaries in styles of music from sound, presentation and even race, even if it loses him some points on actually developing said tracks, mostly ending up as demos – the initiative is there. However, on that last EP, and especially this song, his charisma is the driving force and I don’t think Nas can replicate the magic of even “Panini” without more than his natural, jovial and playful tone. To start off with the positives, I do like the cold, icy beat that fits with the vague, pretty false holiday theme here, and they are some nice little details like that wobbling synth-bass differing from typical distorted trap 808s, the background keys replicating the melody of the second chorus throughout, and even the morphing of the producer tags to form a sentence. Tay Keith took it to ten instead for this beat, I suppose, and it is a good fusion of the two production styles. The problem I have with this song is, unfortunately, Lil Nas X. His delivery is checked-out and bored, and that makes these hard-to-sell lyrics about his career both irrelevant to the ostensibly Christmas-themed song and just not convincing in the slightest.

I can’t even close my eyes and I don’t know why, I guess I don’t like surprises / I can’t even stay away from the game I play, they gon’ know us today, yeah

This is the chorus and he’s saying absolutely nothing here. It’s just rhyming words that would have fit for a demo but are produced with some robotic multi-tracking and engineering to make it sound professional but also dull and manufactured. Sure, the verses and pre-chorus have more depth but this type of self-aware flexing and snarky one-liners only works well when it doesn’t sound like it’s being played completely straight (No pun intended). The song and artist exhumes character and optimism but both the beat and Nas here sound sour, mean-spirited and almost ugly. Most of the throwaway pop culture references are pretty pointless and awkward as well, with some really awful lyrics.

Ayy, and I’m sexy, they want to sex me

I call redundancy, Your Honour. Oh, and what a pre-chorus. “Hee-hee, I’m bad as Michael Jackson”? In 2020? It’s not like I expected anything lyrically superb from Lil Nas X, but less filler and... unfortunate implications would have been fun. Man, I do want to like this song, and I’m excited for that “CALL ME BY YOUR NAME” track he continues to tease, but for now this doesn’t work as a Christmas single at all, unless your idea of the Winter holidays is joyless cynicism. Okay, well, maybe in 2020, that’ll work out for you but any other year, this wouldn’t cut it.

#59 – “A Little Love” – Celeste

Produced by Josh Crocker and Jamie Hartman

This song is an advertisement. So much of an advertisement in fact that the full name of the song is “A Little Love (From the John Lewis & Waitrose Christmas Advert 2020)”. The John Lewis company is a brand of high-end department stores across the British Isles and have become kind of an iconic Christmas tradition in the UK for their heart-warming but often fantasy-adjacent advertisements they release every November or so. It always comes with a song, sometimes original, sometimes a cover, and nearly always a dreary piano ballad. This year they enlisted BRIT Award winner and British soul newcomer Celeste but not even new blood and an original song written for the advert can make this sound anything resembling interesting. A lot of people thought this John Lewis advertisement was disappointing – I don’t have an opinion because I do not care about the quality of adverts. I also do not care about the quality of the song which I’m sure you can tell is very little. This advert becomes increasingly irrelevant as the years go on and not even Celeste’s pretty unique voice can make this anything more than dull and half-baked. I mean, it’s well-mixed, but so is nearly everything that charts. You really can’t say this is anything but a product that serves as promotion for another product. It’s no surprise this didn’t debut high because in 2020 – and really any year – people would and should want more than this. Hopefully this doesn’t coast off of the advert and become a hit because, I don’t know, it kind of sets a bad precedent. Maybe I’m just pretentious. Probably.

#43 – “Flavour” – Loski and Stormzy

Produced by Mike Elizondo and Steel Banglez

Last time we saw Loski, he was going for a threatening and menacing “bad guy” drill track, but now he’s making room for the ladies in that drug trafficking route, rapping over a smooth Afrobeats instrumental courtesy of Steel Banglez, who’s still around actually amongst the waves of rip-offs and producers courting his style for their own, and it’s just a hook-up jam where the guys mostly trade bars about girls. Of course, Stormzy gets the first verse, but with the deadpan delivery of both of these guys but especially Loski, the somewhat shoddy vocal mixing on Stormzy’s voice, I find myself caring so little about absolutely any of this. This beat is kind of distracting in how it mixes Eastern strings with Afrobeats rhythms, early 2010s dance music synths (the main synth pattern sounds as 2014 as possible) and trap skitters. The hook is barely existent, neither of the guys have chemistry or charisma here, not even Stormzy, and the song’s about two Loski verses too long. No, the lyrical content isn’t anything but vaguely cute, surprisingly inoffensive and shockingly lacking in misogyny for once, and I don’t expect it to be. Honestly, Stormzy name-dropping Everybody Loves Raymond is probably the highlight. I’m sure Ray Romano is beaming.

#7 – “Stop Crying Your Heart Out” – BBC Children in Need

Produced by Brian Rawling, Mark Taylor, Anoushka Shankar, Sheku Kanneh-Mason, Grace Chatto and BBC Concert Orchestra

When I did my Spring episode, I was met with a BBC Radio 1 cover of “Times Like These” by the Foo Fighters that was released to support the NHS workers during the COVID-19 pandemic and the first British lockdown. This “Live Lounge Allstars” single went to #1 and naturally, with a second lockdown we have a second single by a second BBC radio station with second-rate “Allstars”, which is probably why it’s just credited as BBC Children in Need this time. Oh, and for some reason, they credited every single BBC Child in Need on the Spotify page this time. Now last time we had you know, the actual Foo Fighters, as well as global superstars like Dua Lipa and Ellie Goulding, as well as Sean Paul, Rita Ora and members of Coldplay, alongside many, many others, all of which were or are relevant to this day. So for this second song, not only did they take an absolutely crap Oasis single from their early-mid-2000s years, way after they had stopped being worth listening to, and stripped it of any of its genuine orchestral backing and intriguing and iconic Liam Gallagher vocal deliveries. I’m not going to go in-depth like last time. It still butchers a classic, but a classic song I hate in the first place, just getting rid of any redeemable elements that Oasis still had in 2002, so I don’t care enough about the source material but really this is weak and boring, with questionable vocal mixing and unimpressive vocal performances from everyone involved. If you’re wondering who everyone involved is, it’s Izzy Bizu, Grace Chatto of Clean Bandit, Melanie C, Jamie Cullum, Ella Eyre, Paloma Faith, Rebecca Ferguson, Jess Glyne, LAUV, Ava Max, James Morrison, Gregory Porter, Nile Rodgers, Jack Savoretti, Anoushka Sankor, Robbie Williams and Yola... as well as some of the more bizarre additions, like Jay Sean riding high off of an uncredited sample of his hit last year, Kylie Minogue clearly only here to promote an album (In fact, that can sadly be said for most of the artists here), Lenny Kravitz and freaking CHER both being somehow completely unrecognisable, Goddamn Bryan Adams and KSI of all people, who doesn’t even get a rap verse like AJ Tracey and Sean Paul on the first cover. He’s just... there, I guess? None of these guys are in sync at all and the song was unremarkable in the first place but I can’t get mad at charity going to a good cause, even if all of these musicians could just cough up some of their own cash. I expect to see this fall dramatically next week.

#2 – “Therefore I Am” – Billie Eilish

Produced by FINNEAS

This, however, I predict will stick around. Billie Eilish bravely drops the lowercase for a brand new song – and maybe perhaps could possibly be a lead single – and it acts as an attack on the critics, particularly a response to all of the nonsense that has been thrown her way for being a confident young woman in the industry who decides she doesn’t want to conform to outrageous beauty standards set by the media. I think a very recent notable one was when she was photographed by paparazzi walking and looking like a completely normal 19-year-old woman (although, perhaps one with particularly vibrant hair dye) and was met with criticism from the news media and a lot of different narratives on social media, ranging from general body-shaming (which she already took a stance towards in March on her tour with a pretty cool short film) to weird professions of beauty when, no, she did not look like she was keeping up appearances and that is completely fine. That image displays a problem with how society holds celebrities and particularly women to a ridiculous fashion standard, even when they’re just walking from place to place, like they can’t look like your normal, ordinary, every-day adult woman, which, you know, they are. I think she really gets to that point when she says this:

Top of the world but your world isn’t real / Your world’s an ideal

Sadly, I think the rest of the song is rather underwritten and feels like a vague diss track towards critics, using arguments that really only apply when talking about cyberbullying and genuine toxic media press (which the UK knows well), and generalising them with all critics, making it seem like a human attack on mass-media corporations, which doesn’t really go down as well as she wants it to. The pre-chorus, chorus and even the second verse and bridge feel pretty underwhelming in terms of content too and whilst her carefree delivery is supposed to make the lines hit harder if anything it just weakens the blow. The minimal production from FINNEAS with a pretty nice 808 bass groove and distorted percussion, as well as a pretty piano flourish, does help to make this sound a bit less tired but honestly just makes Eilish seem out of place if anything, which isn’t true for anything else the two have made together, so I’m personally not a fan and think this is a rare miss for Billie and FINNEAS. I agree with the message, but this could have been executed in a much more impactful and aggressive way that would have made more of a point, in my opinion.

Conclusion

That’s not to say that the song is bad, though and I’ll give “Therefore I Am” by Billie Eilish an Honourable Mention even for just being interesting and more than the most basic, factory-produced equivalent of its genre that could be made, which can be said for most of the rest of the tracks here. Best of the Week does go to Yxng Bane and D-Block Europe of all people for “Cut Me Off”, and I can’t bring myself to dislike a charity single so I suppose Worst of the Week goes to Lil Nas X’s “HOLIDAY”, and the Dishonourable Mention will be brought to you after the messages. In other words, it’s “A Little Love” by Celeste. Here’s this week’s top 10:

I’ll brace myself for the upcoming week now, and you can follow me on Twitter @cactusinthebank if you want to see me Tweet complete nonsense the majority of the time. I’ll see you next week.

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"car insurance quotes ireland home insurance quote - fbd

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""If I do not have health insurance in Fremont, California, and I want to deliver a baby?""

how do I deliver it with low income, also, if you are going to suggest Tri City, is that good, what are your experiences with that place? I think it is Tri Shitty. Also, what else do you suggest besides Tri City? Please help me I am one month pregnant and need to figure out where to deliver a baby Also, I just wanted to mention if you are pregnant and applying for health insurance do not tell them that you are, they refuse you flat, just tell your doctor the truth about your missed period date at your first appointment, fight with this backwards health insurance country""

Had a accident no insurance Also no my car?

Ok well as my question states. I was in a car accident and i have no way to pay for insurance. the other driver is fine we are just waiting for the report. The police did not ask me anything about my insurance. The other part of this is that this car s my ex car he was letting me use. So im wondering is he going to get in to trouble and what am i looking at? Hopefully someone expirenced can help thanks.

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if I want to rent a car in the us will I have to purchase the rental car company's insurance?

A question about car insurance and modifying?

Okay, lets say you own a car, lets call this car A. You pay a car insurance company to insure you car. You hand over the required information and all that, and the car is stock when you insured it. Lets say you put a turbo, or intercooler, or new rims, or anything really, but you DONT mention it to the insurance company. Then you get into a car crash. What does the insurance company insure? The whole car with the non-insured parts? The whole car with only the stock parts (which was exactly what you payed for every month)? Or they insure nothing?""

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car insurance quotes ireland home insurance quote - fbd

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Hello. I am looking for my first car. I am looking at a 2001 mercury cougar not the S series just the 3 door coupe.. Now the qoute gieco gave me was $325.01 a month. I live in Minnesota and I am a 16 year old male. I don't have anything on my record at all. I was wondering if 325.01 a month sounded right because I dont think so. That's like $4,000 a year and the car only costs $5,999. Also would it be better to go on my parents insurance plan with State Farm? Or to get my own? Thank you very much for helping me with advice with this.""

Single girl needs answer about car damage and insurance vs. out of pocket?

I was driving my father's car on a narrow, snowy city street and clipped (knocked off, really) the mirror on a parked car (a Nissan). I left my name and number and the owner ...show more""

Car Insurance for 16 year old?

I'm thinking of getting an 04 Mazda Rx-8, like 40,000 miles on it, but I wanna know how much I'd have to pay to insure it. I heard you get a discount for having good grades(G.P.A 3.9) and taking drivers ed. Please give me an estimate.""

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""20, female, just passed test.. cheapest car to insure?""

Hi, So I passed my test today :). But I want some ideas on cars cheap to insure.. either on my own or on my dads insurance with me as a second driver.. Also having a baby in 8 week so would be better being a 5 door, but I can cope with 3.. Some cars I've thought of are.. Corsa Clio Focus Fiester KA Polo Punto Any piston heads out there to help me out and give me some ideas of age and engine I'm best going for for cheap insurance please help :) Thanks""

Motorcycle Insurance in Ontario(re asked)?

Hello, I am a 20 year old female looking for motorcycle insurance for a Honda CBR 250r with an M2. I have never owned a bike before and have a clean driving record. Like most people my age it is nearly impossible to get insurance that is affordable if you are under the age of 25. If anyone knows of an insurance company/brokerage that would give a quote below 2.5k a year please give me any way I can contact them. I live in the Ottawa area if that is any help as well.""

Is infinit g35 coupe is a good first car?need ur opinion pl :)?

So I'm 18 and thinkin about buyin a g35 coupe .its goin to be my first car is it a good car for a first time buyer?and I also interested buyin a 2010 Mercedes Benz c-300 with really low millage.i can afford both cars but just can't decide which one./: any suggestion guys?:)

Is Progressive a good insurance company?

What is the cheapest price university in California to study Power Plants for international student?

I'm holding Diploma certificate in Airframe and Power plants, i need to continue my study in US, CAL exactly but i didn't find the perfect university i need a low price university which i can get bachelor degree in it so i need a help please as soon as possible to get start soon.""

Insurance on a 2010 Scion Tc?!?

Is there any way to estimate this?? What would be more for Insurance? A Scion TC or a Toyota Camry? I have never been in an accident before and It would be under my fathers name anyway, who has no accidents or violations""

Question about health insurance!!?

Can a health insurance company cut your coverage while being treated for depression?

Affordable Care Act?

My wife is 54 with diabetes (insulin) and high blood pressure. I care about my wife and want to act to buy her what i can afford which is up to 200 dollars a month. I can not fine an insurance company that will take her. What do i do when she won't qualify for medicaid either.

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I live in Ft Lauderdale Fl, And i live in a townhouse in a gated commuity with a home owners ***, And i have two car's, The first car is my primary car and the second is never driven but i have to have insurance placed on it. Is there any insurance out there that is cheap for car's that are never driven. This car i wan't but i have not driven it for three year's and they want to tow it because i don't have insurance or valid tags on it""

When can you call insurance for cheaper?

so your car is 10years old, I know that older cars get cheaper insurence. I been with same company for awhile, but when should i call them to lower my insurence since the car is old. Or is it updated automaticly?""

What is the average life insurance amount people take out?

Pure cost of life insurance?

Hello, I was just wondering if the pure cost of life insurance changes each year, or does it stay the same? will it increase when the policy is renewed? thanks""

How much would insurance cost for a 16 yr old female?

I'm 16 & getting a 2010 Nissan Maxima. Don't tell me not to get it because I'll wreck or trash it. I learned how to drive when I was 12 and I drove all the time when I got my permit. I'm not going to trash it at all. All I need to know if how much insurance might be. A rough estimate because I know everywhere is different. Some few details: I'm 16, a female, straight A student, and really responsible. Thanks.""

Cheapest insurance for high school football?

Im planning to play football next year in high school what is the cheapest insurance i can get?

Health Insurance for Newborn Baby?

I get health insurance through my job but I think I can get a better quote than what they offer if I go about it independently. What suggestions do you all have in terms of a good health insurance coverage? Is it best to have a higher deductible and lower premium or vice versa for a newborn? I want what will be the best for him but the most affordable for us. Thanks! :)

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I understand age , tickets , and car type are all variables. I Have a 3 year old new car from 2010 *just a normal 4 door sedan* and the insurance seems VERY high... I am 22 years old and was curious to know what a good price is out there in the NY area""

WOULD BEING A VEHICLE BODY REPAIRER AFFECT MY CAR INSURANCE IN ANY WAY?

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My auto insurance covers anybody who drives my car...is my teen covered? I cannot afford to list him....?

Me and my teen have a car. I have both cars listed on my insurance with full coverage. If he is not covered is there an insurance company that will cover a driver of his age without ...show more

How much is car insurance in CA?

My family is planning to move to CA because my dad got a better job. We have 4 drives in the house. How much would it cost a mouth for one car?

""Life insurance terms cash value, dividend, loan to value, interest rate?""

I don't know much about life insurance. This is for a whole life policy = $50,000. Could you explain what these terms and numbers mean about this policy? cash value of $7,000 Loan to value of $6,000 interest rate of 8% dividend of $60""

How much is Car Insurance in Korea?

I live in Korea and am looking for a car insurance package that's inexpensive. I've been told they're about 300,000 Won per year, but I'm sure there are cheaper options available. Thanks!""

car insurance quotes ireland home insurance quote - fbd

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clearsandwicheagle-blog · 6 years ago

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

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I'm 20 years old and I live in Houston,TX and I got pulled over in a town outside Houston called Pearland. I went thirteen miles over 30 and got ticketed by the police officer of the town. Now here in Texas, before you go to the DMV to get a license you have to take a 6 hour driving class which was made into a law dating back to 2010. This is my first speeding ticket I got since I first got my driver's license almost a year ago. If I go to the courthouse and admit that it was my fault for speeding and pay the fine before my court date arrives, will my insurance rate still go up? (Please don't leave negative feedbacks. I'm just trying to get some honest answers)""

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On average, how much is car insurance each year?""

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I am writing an essay saying insurance should be higher for teens then adults. I need body paragraphs saying why it should be higher then adults.

Applying Health Insurance with High Blood Pressure?

I have a question. If I have high blood pressure, will insurance company reject my application instantly? I am 24, male. I am just worry about this HBP, so I am trying to figure out how to apply for a health insurance. Also, my income is kind of low, is there any benefit I can count on in California(Alameda)? Thank you for answering my question""

Can you register car w/o insurance & 1967 Mustang Steering wheel..?

I do not have my license or permit yet. I plan to have my permit by early September. I don't plan on insuring the car until September or Feburuary but can I REGISTER the car before I get insurance? (So it won't get towed.. does that ever really happen?) How much would a 1967 wheel cost and how much to have it installed?

Car insurance question?

how much is car insurance for a Mitsubishi lancer for a young driver

Car insurance PROBLEM HELP!?

Hi i've just bought a little suzuki SJ410 jeep 1.0L. the jeep was advertised as a SJ410VB. So i put that into my insuance quote before i got the jeep and it was very cheap 800. Anyway now i have the jeep i have found out it is s SJ410VBJA. So i put that model into the insurance quote and now it is 3,904!!!! WHAT? It is basically the same jeep 2 seats and same engine. So whats going off? Should i contact the insurance company? I can't afford almost 4,000!!! HELP! And i'm now stuck with it!""

Sex change versus Car Insurance?

if man changes to a woman would this affect his/her car insurance, would his insurance be cheaper or dearer?""

Who's Car Insurance Would Handle the Accident?

My sister has been driving my mother's car (Loan, registration, insurance in my mother's name) Occasionally she allows her boyfriend to drive the car, although my mother has stated on numerous occasions that she does not want him driving that car. He was in an accident on Friday and claims the car is totaled. He claims that he called the police and filed a report, it can be picked up on Tuesday. He also claims that his insurance is covering the accident. My problem is, the car is insured in my mother's name, so he is not allowed to do this, correct? Also, even though my mother was not involved in the accident, can she still call the police and get a copy of the report? After all, the car is in her name. Please enlighten me, I'm trying to figure this all out.""

Does anyone know of a cheap but good motor scooter insurance company?

Does anyone know of a cheap but good motor scooter insurance company in the UK?

Has anyone thought with the price of gas and insurance and maintenance and payments that it might?

be better to just sell your car and take transit. I take the bus to work and it is one bus and it is great I don't stress about driving and a bus pass is so much cheaper than maintaining a car. I know the bus is less convenient but I am an able bodied person and thinking more and more about how I feel like I am working to support my car and maybe it is time to simplify Thoughts and experiences with this lifestyle???

Is it illegal to use a wrong address on your car insurance?

I want to use the address my dad lives at for my car insurance because it makes my insurance 200 cheaper. It is my registered address and my driving license, bills and bank is addressed there but I don't technically live there anymore. I live between my boyfriend and another parents house. What is the deal with this?""

Insurance Cost?

what is the monthly insurance cost for a new cadillac escalade for a 32 year old driver with a perfect record

""I bought a good life insurance for my family, Just how much does McCain loves 303 million Americans?""

I bought a good life insurance for my family, Just how much does McCain loves 303 million Americans?""

Motorcycle Insurance for 17 year old?

I am 17 and have a gsxr 600. I want to register it and insure it so i dont have to worry about being chased anymore but my current insuarnce company wont allow me to insure and register the bike without a licensed motorcycle operator. I am the only one whos rides so how am I supposed to insure my bike for a motorcycle permit? I also live in Connecticut. I'd appreciate some advice and maybe some insurance companies that have different policies. Thanks

Is bike insurance cheaper then car insurance?

fg life insurance

USAA Full coverage auto insurance covering theft?

Last night my husband and I were hanging out with some friends and someone broke into all of our vehicles and stole stuff. However, my husband and I drive a 2009 Mitsubishi Lancer and it was locked, yet someone managed to get in without causing any damage whatsoever and stealing our xbox 360. Weird thing is, my purse was in the car with everything in it, and so were the guitars for guitar hero and our entire CD case, and the only thing that was stolen was the xbox...Weird I know. We go through USAA and have full coverage. My question for anybody who knows or has a good guess is, do you think that our insurance would cover that? We don't have a receipt or anything since it was bought so long ago. Thanks for all your answers in advance and remember best answer gets 10 points =] Happy answering! Amberly""

Where can I find affordable car insurance in PA for college students?

I will be learning to drive pretty soon and I want to know the cheapest and affordable car insurance out there for students.

2003 Hyundai tiburon 2dr coupe. Insurance price?

So I'm a 17 year old girl.I'm getting my first car. Idk if where I'm from makes a difference, I'm from texas. Would a 2003 Hyundai tiburon 2dr coupe be considered a sports car on the insurance? If so, how much more would it be vs. a normal car? Please help me!!!!""

Auto insurance cost for teen?

I am 16 years old and have a 2002 vw jetta. I was wondering how much it would cost for insurance?

Car Accident Advice: Someone hit me and doesn't want to go thru insurance?

Someone recently hit my car while it was parked across the street from my house. I almost thought it was a hit and run till I found their business card on my windsheild. I called her and she said she'd rather not go through her insurance but pay me directly for the damage to my car. I have been in accidents where I was hit but usually the other person just gives me their insurance info and I call them and get my car fixed fast, no problems. So I was already a little hesitant about agreeing to this, but I figured as long as it gets fixed it should be alright. So I did like she said and got an estimate from a body shop, then called her with it. Right off she said, Oh thats really high,(almost a 1000) and I reminded her that the damage is pretty severe, she backed into my rear passenger door, now entirely dented and scratched up. I know the estimate is fair compared to other work I 've had in the past. So anyways, I thought she'd decide right there like she had told me before, if it was affordable for her she'd pay me if not she'll go through her insurance. So since she acted like that was so much money I asked well does that mean you want to just use your insurance? She still sounded unsure and said she needs to figure this out. So it's been another day since that, still waiting, she did call again and say she's running it by her insurance agent to see which way would be better for her, insurance or pay me off. So I am still waiting, it's only been a few days since the accident but I am getting anxious because I kind of wish she would just give me her insurance info and go through it, my car would probably be in the shop already and this would be taken care of. But instead I 'm waiting for her. She still has not given me her insurance info, I don't have her license plate # or even what her car looks like, just a business card. And its a big inconvenience because I know I will be without a car for a at least 2-3 days, and even if she pays me she sure didn't mention a rental car. So my question is am I being too nice by waiting for her to decide whats best for her... and even if she wants to pay me should I have gotten her insurance info, like is that my legal right. So how long should I wait for her to decide?? Any advice would be greatly appreciated as obviously I should act fast. Thanks""

How much would this monthly payment approx be?

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

WHAT IS AN INSURANCE PREMIUM?

My partner did my insurance online without knowing i had an endorsement on the licence so when i add this to the existing policy does that mean my insurance policy goes up ...and what is my insurance premium ???

Does the cost of my insurance for driving get reduced when I turn from 16 to 17?

Affordable Florida Group Health Insurance Question:?

Where's the best site on affordable florida group health insurance? I've looked everywhere. Sometime searching is just a pain. Anyone with some ideas or links to share? Thanks.

What does this quote about Health Insurance mean?

(The Headline - 2 Calif. health insurers to pay $13M for dropping clients ) This fine sends the message that if you come into California to sell health insurance, YOU MUST PLAY BY THE RULES, said Cindy Ehnes, the director of the state's Department of Managed Health Care. [caps mine] http://www.usatoday.com/news/health/2008-07-18-insurance-settlements_N.htm""

Gap insurance and warranty on car that was totaled?

I am not sure who is right on this one.... We bought a car in 12/11. We purchased gap insurance and an extended warranty at that time through the dealer. We decided to refinance the car through the credit union were we are members. The gap insurance was 1/2 the price we purchased at the dealer. The dealer and bank said that we should receive a refund. In the process of all of this the car was totaled by my 18 year old daughter in March. 1. We recieved a check made out to us from the dealer for the gap insurance.(pro-rated 4 months) 2. The dealer turned in the paperwork for us for the refund on the warranty and the warranty company sent it to the previous lein holder that we left. The initial bank in turn said it was our money and reissued a check made out to us. Any thoughts appreciated. Is it really our money?

Auto cheap insurance required! I am seriously looking for cheap auto insurance for my car and my realtives too?

I am seriously looking for cheap auto insurance for my car and my realtives too. Can you suggest me some auto cheap insurance ?

How much should I pay for liability insurance for a non-profit?

I'm from a non-profit volunteer organization that wants its volunteers to teach a 16-session class. Normally, we teach in a local high school, but given the time in the school year, I would like to teach in a public/community setting over the summer. In order to get a public place (library; community center) to host this class, I need to take out liability insurance. I've asked my supervisor whether our organization has liability (no response yet). If we don't currently have it, what is an affordable company to buy it from? How much should my organization pay for a minimal premium?""

2006 ford mustang v6 considered a sports car or a coupe on insurance?

I have been reading that the v6 is considered a coupe and the v8 is a sports car. I have Allstate insurance anybody have a clue on how much my insurance would be a month for the v6?

How do I get health insurance for my 2 year old son?

I have a 2 year old son and me and his mother are separated and I want to get him a health insurance plan. His mother is not working now and I work on my own so I don't have health insurance from work to cover for him and we are about to go to court to settle for child support and custody and I want to have him on health insurance. Please any help will be appreciated. Where do I go or where do I call? is any health insurance good or how does this work? Thanks.

17 year old getting insurance in NY?

I am planning to buy a car in a couple of months. Probably a Honda Civic/Accord from 1994 and up. I dont have more than 3500. How much will insurance cost to pay by myself? Added on my parents?They currently pay 130 a month. I have 90 average in school and a 10% discount fot compleating a drivers ed program.

How much could I pay for my car insurance?

I'm making a finance for my Kia spectra 2007. I'm 18 and just got my liscence. It has to be full coverage. One insurance company told me 600 per month and that's just too much what do you think?

Was Obama's health care/college system comparison valid?

Tonight President Obama compared the public health care option to the public system of Universities and colleges. He said the public option will work the same way public colleges and Universities without inhibiting a vibrant system of private colleges and Universities. This is a fool's argument and a total apples to oranges comparison. Let me explain, first almost all private universities receive funding from the federal government. The federal government is not going to provide funding for private insurance. The second reason is it's common knowledge that the best Universities in the U.S. are private schools such as Duke, Stanford, and the Ivy League. These universities fill most of the highest paying jobs in the country. Some jobs even go as far as to require a degree from one of these schools (Stock Brokers on NYC Stock Exchange.) These highly paid graduates can donate larger amounts of money back to their respective colleges than the average Joe who graduated from a generic state funded university. No one is going to donate money to the private insurance companies. We can't even get all the people who qualify for insurance to sign up and that's the problem! Look, I have no way of knowing whether the public option will work or won't but when faulty logic is used to support it I become concerned. When most of the people supporting the public option are from California (a state where the middle class is few and far between) I become more concerned. When most of the Senators and Representatives who support the public option say they would prefer the U.S. had a single payer system (that's total government control of health care if you didn't know) I become very concerned. The reality is no one knows what the effects of public option will be. Also, the success of FedEx is not any proof that public option won't hurt private companies because an independent council regulates the mail industry. No independent council is mentioned in any of the plans in the House or Senate. yes or no""

How much would a car insurance be for a 18 years old?

What Insurance Should I Get?

Im Getting my license in two months and im saving for a 1977 f-250 ranger, i also need insurance. whats the cheapest and most affordable insurance for a teenager?""

Late car insurance payment?

scenario: someone is late on their car insurance monthly payment. this person mails it to the car insurance company late and when person checks their checking account, the money is still there because the car insurance company hasnt taken the money out. what is happening here? is the person still covered with car insurance? will the car insurance company charge double with high interest on the next monthly payment?""

Does the condition of the car affect car insurance?

Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask What condition is your car?..any dents, etc does saying its in good condition make the rates go up or down?""

Insurance question?

My friend has a 1990 Mazda B-2200 Club Cab 4x2 and he's paying $140 per month for insurance. I keep telling him that if he gets a new car his insurance rate will go down because of the safety features on that car. His truck has no ABS, airbags or any other safety features besides seatbelts. He's looking to get a 2008 Volkswagen Rabbit. Now the Rabbit has standard 4-wheel ABS, front, side and curtain airbags, traction control, etc. The price of the car is around $17,000-18,000 but he's still worried that he'll pay more each month. Is that actually true or am I completely wrong?""

Who is the cheapest auto insurance carrier in FL?

""Pregnant with no health insurance, Texas?""

Is anyone familiar with Texas Department of Health and Human Services. I just found out I am pregnant yesterday, two days ago my husband was laid off work. His old company added an HSA for us in December and we were under the impression everything was fine with employment if they added this for our family. I finally had a family HSA as of 1/1/12 and then on 1/3/12 it was taken away. He worked 90 hours on his last paycheck almost the most of the year, and was told work is slow so he was being laid off. They also added back matching 401k this year too, yep! We have been trying for years and had no idea this would happen this way. It is just crazy! So I found out on the website for HHS of Texas the income level for benefits. I am right there underneath the level for 2 people. Do they include the unborn child as a 3rd family member yet? Also I saw that you have to list assest out like vehicles. We have two cars and that is it. We make payments on both of them, so is it possible they will deny us since we have these assets. Other than those we have no other assets. But I remember my mom being denied for SSI on my brother due to assets so I am worried. Please can anyone help ease my mind?""

fg life insurance

https://www.linkedin.com/pulse/rhode-island-disability-insurance-daniel-edwards/"

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kawaiifunhologram-blog · 6 years ago

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farm bureau auto insurance quote michigan

"farm bureau auto insurance quote michigan

farm bureau auto insurance quote michigan

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

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I have liability on that specific car, and comprehensive coverage from AAA on another of my cars. Could I use the comprehensive insurance on my other car, instead of the liability? Also, if not is there any program in California to help us with the loss.""

Why exactly do women pay lower insurance rates than men ?

How come different auto insurance agencies charge different prices for the same insurance company?

yes i went to three different insurance agencys to see what quotes theyll give me. one say said ill pay 50 a month and 140 down payment for access auto insurance . the other agency said ill pay 60 a month and 90 down payment for the same company. and the third agency said i would probably not qualify for access auto insuranc. im 20 year old male riverside ca 94 accord. why would three different agencys quote diferently for the same auto company ? whyyy is it a scam

Effect of credit score on car insurance.?

What effect does bad credit have on your car insurance price, if any?""

A question about car insurance?

This chick hit my car but I have a feeling I'm going to be found guilty due to a faulty witness. I'm on my boyfriends insurance will it raise his rate? Also can he just remove me and put the car in his name? I'm so upset because this whole situation is the other drivers fault!!

Car insurance excess?

I'm having trouble understanding how car insurance, repairs and excess works in VIC, Australia. I gather that the driver who is at fault pays an excess to his insurance company before his vehicle is repaired, and his insurance company covers the repairs for the other vehicle involved. Will this excess see both vehicles being repaired, or do two excesses need to be payed?""

Will Ryan's plan force insurance companies to sell to 'granny? Will 'granny' be forced to buy insurance?

For customers at sixty five, health insurance companies will be inclined to not sell to that age group. Can they be forced to do so by the 'government'? Will health ...show more""

Temporary Car insurance?

I just got my first car (I'm 17 years old) and I need it to go to school which is a good 80 miles away. On top of that I need to find a job which I couldn't do because I didn't have a car. However I can't drive my car because it doesn't have any insurance on it and the insurance is incredibly expensive. For now I just need it to go job hunting. Is there such thing as a temporary car insurance or maybe a waiver for students or SOMETHING that I can use?

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What motorcycle security products give the biggest insurance discount?

Hi there, I'm looking to buy and insure my first motorbike in the nest few weeks so have been getting some quotes from insurance companies. There are so many chains/locks/immobilisers and alarms to choose from I am wondering what people use themselves, and if they can make a big saving on insurance prices. My insurance is obviously high as it's my first year, but I would like to try and keep costs down and also my bike secure :) Thanks""

What would be the average cost for these with a Hyundai i20?

what would be the average cost for these with a Hyundai i20 budgeting for running costs -car repayments -ongoing insurance and registration payments -car maintenance -tyres -petrol

Does anyone knows of a good Health Insurance in Florida?

HMO, PPO or whatever... I need to know asap. The work insurance is horrible!""

Health insurance for my wife at a low rate?

I work but unable to carry my wife do to the rates. Is there any insurance that we can get on at a better than the one offered at my job. So far I have found one with Blue Cross Blue Shield for $70 a month where my job is like $95 a week or so. I do know it was high on a weekly basis.

List of top insurance companies in USA?

Can u pls list down top 20 US companies in each category of insurance ... Car Home Life Health Property Marine General etc.

""In the state of New Jersey,how long does it take to get caught driving with no car insurance?""

My insurance lapse a month ago today.I am waiting on my workers comp settlement from a job related injury.Is there a way that cops can detect that my insurance has lapsed other than an accident?I have and legit insurance card till June,and registration.Can they suspend my registration?if so is there a warning?I will try to stay off the road till next month but i need to make my Dr.appointments etc.""

Life Insurance Policy?

What will happen if you have a Life Insurance and decide to stop to pay it? Will you lose all the money that you already paid? Or they will give it back to you?

Auto insurance is expensive for my teenager son. Are there any options for me to keep expenses down?

I'm makeing payments on truck for him, now that he can drive, do I have to add him to my insurance? And how much more will it be? I hear some parents don't tell there insurance, they just say there child is borrowing the car. But my son does not live in the same house hold , but is in another city over. Can I still just say he is borrowing the truck. If he gets in a car accident I understand it's on me, but will my insurancecand the law see it in that manner.""

Can I use my parents name to buy insurance for my car?

Is there? The insurance would be under my moms name but the car would be mine. It would be alot cheaper since my mom has no violations and is older than 25.

How much will an average full coverage insurance for a BMW motorcycle cost. Type k1200r.?

I have no traffic violation and perfect credit record. I am 56 years old.

When is it too late to make a car insurance claim?

About 3-4 months ago I was parked in a supermarket car park. My mum, opened the passenger door where the wind blew and hit the car next to us. Upon packing the car, the passenger in the alleged 'chip' car stated that their car was damaged- the damage was barely even visible- something you would expect as a driver to occur. I even questioned whether that 'damage' was the fault of ours because the car was that battered. Anyway, 3 months later I received a letter stating that I was involved in an accident on the 21st of June. This date is also incorrect where this 'accident' actually happened on the 1st May (my car insurance renewal date). My insurance know this happened in this time as I called them to ask what may occur. Could anyone provide me with details of when it is the latest time to make a claim. Also, what would usually happen for the 'chip' in question since I know this day that it allegedly happened was a lie. (UK answers only please)""

Is an sri astra cheaper than sxi astra on insurance?

Cheap car insurance in Oklahoma?

Where can I get a good deal on car insurance in Oklahoma?

I need affordable med. insurance for my children. How do I find the best deal?

How much should insurance for a 20 year old male driving an 81 corolla cost. no tickets at all?

Car Insurance Dilemma?

Hello everyone, I just purchased a new vehicle and gave the old one to my mother. She really needed a vehicle. I decided not to trade it in. The problem is that she can't afford insurance however, if I was to add her to my existing policy, she could afford it. This is the problem, she must be a resident at my house in order to be added. Would they find out if I added her? Would she have a hard time registering the car? Only knowledgeable answers please. Thanks""

Im a 20 year old male and im thinking about getting my first motorcycle. I need suggestions.?

Like i said im a 20 year old student looking into getting a bike. Most of my friends have them and they tell me how much they enjoy riding so i'd like to take up the hobby and ...show more

Should I live without health insurance?

I'm 33. My husband and I are self-employed and not making much money right now. We recently graduated from the same masters program and started our business. We would like to start a family - soon. Costs of raising a child aside, I am beginning to worry about the costs of having a baby in the U.S. I have begun looking into different insurance plans. Currently I am covered at a VERY basic level and he has no insurance. From what I have found so far, all the plans we can afford have very large deductibles, especially where pre- /postnatal and labor and delivery costs are concerned. Is it crazy to consider paying for these expenses out of pocket? It seems as though we will need to come up with about $20,000 on our own before our deductible is met in any case. Should we save the $350 - $450 per month that the insurance would cost? Can anyone recommend an insurance plan with decent pregnancy coverage for a self employed couple in Washington state? Also, does anyone know how or if the Affordable Care Act will change coverage for pregnant women? Thanks.""

Does 1500 seem ok insurance?

ive got multiple quotes for 1st car 1st year driving. its going to be a 1.1 pug 106 independence and have been quoted 1500 is that reasonable? how much did your 1st car insurance year cost you? im 23.

My car was totaled by my insurance?

I bought a 1999 Honda for $4,500 in March of 2010 from a private party, about nine months ago. The owner never disclosed the fact that the car had been totaled in December on 2009. According to Washington State unless the total meets certain criteria it doesnt have to be listed on the title. On January 17th 2011, I was involved in a car accident. The insurance totaled my car. Somehow the insurance discovered that it had been perversely totaled, which I was not aware of. I had full coverage on the car. They now are saying that I will get receive what the car is worth with a savaged title. My question is, do I have to except this or can I fight for the value of a clean titled vehicle? Should they have run a check on the vin when I insured it with them and discovered the that the vehicle had been totaled before? Or is everything my fault?""

""Is buying scion xb 2008 for me a good decision? How about insurance, after market maintenance and so on.?""

Im in early 30s, this is my first car... here are my preferences, i'm 6ft 2 inches so i want to feel comfortable in the driving seat and so the people sitting in the rear seats, Toyota for reliability, popularity & availability of parts, less maintenance overhead,nice ROI. I need good night visibility, does it comes with HID lights installed? Good range of colors (esp. nautillica metallic blue). Is stick better than automatic (if so why) ? This is mostly for my commute to work everyday (10 miles) and occasional long driving on holidays and weekends ? I'm not looking for any bells & whistles just the base model. The total cost of the car with tax comes $18K+ ... the APR is 6.39% (scion.com) , so by paying more down payment say $12K will i be able to reduce the monthly interest for the rest of the payment (6K) or should i shop around ? I believe you cant negotiate for price with the dealer. Do you have any more suggestions""

Does anyone know any cheap insurance companies for me.?

i got my boyfriend a street bike and its under my name so the insurance has to be under my name to.

HELP with car insurance no claims ?

Since passing my test 3 years ago I've had insurance with countless insurers due to the fact I am useless and they kept asking for information for example proof of no claims and a copy of my license. I have had all my insurance policies cancelled countless times as I can't get proof of no claims as I guess I don't have any because all policies have been cancelled. The problem is now I'm getting quotes for over a thousand pounds when technically I've never made a claim in my life! Is there a way around this PLEASE HELP!

Whats the average cost of insurance for a 21 year old female?

What is the insurance cost for a 16 year old guy with a ford mustang 2004?

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Best health insurance for woman?

Looking for health insurance and reviews on basically the health insurance companies. I'm a really picky person and having reviews eases my mind a bit lol

Allstate insurance raising my rates. real or fraud.?

they have raised my rates twice in less than 6 months. my first months were 94 for the platnum plan then in november they raised to 98 and now in march they raised to 108. the say that the state of texas is raising rates for companies and thats why my rates go up. is this happening to anyone else. im in tx. im changing my plan as soon as possible. anyone have allstate that could advise.

What is the least expensive color of car to insure?

I know red is the most expensive. I've heard that white is the least from one person and green is the least from another.

What car insurance is best/cheapest?

I am going to be getting a used car from my uncle and would like to know your opinion on what car insurance to get. My parents wont put me on their plan(this is my first car btw) so I have to get my own. I need a cheaper plan considering I only work during the summer as of now(thinking of getting a job on my college campus next semester). Any help would be good(your experience etc) I tried going onto the General insurance website(commercials say their cheap) for a quote but they keep on sending me to a Geico website, has anyone else had this problem? Thanks in advance for answering.(BTW I am a girl, I know that we get cheeper insurance typically for some reason lol and I also went through drivers ed in the past and I know most companies will give me a discount for that)""

Do you believe in any type insurance ? why ?

what is advantage and disadvantage of insurance ?

Im 24 years old. How much will car insurance cost. Im female.?

I asked this question before. Everyone assumed I was under 18. Im actually a 24 year old female in Ontario. So I needed to provide this information originally when I had asked....sorry about that. So can anyone take a guess now?

How much is an oldtimer insurance for a Rolls Royce Silver Shadow II ?

I would like to know how much per month an oldtimer insurance for a Rolls Royce Silver Shadow II or Spirit would cost about per month? I am 21 years old, self employed. Does someone know ?""

Term Life Insurance Ownership?

My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? Thanks for your time.""

My car insurance was canceled due to roommate has a DUI?

I live in Michigan and I have been advised by Hartford that my car insurance will be canceled in Feb. due to the fact that another person in this household has a DUI. They feel that this person could drive my car with or without my permission. They advised one of us needs to move in order to have the policy reinstated. Is this justified? What can I do?

Would your car insurance go up if you bump into someone else?

I was pulling off at a junction and I was looking to the right to see wether there is a car coming but the car infront (baring in mind he started pulling off) he suddenly pushed the ...show more

Whats the average price on owning a 125cc bike a month?

Im planning on buying a honda cbr 125cc bike and pay it up over three years im wondering if anyone knows the average cost of running this bike including insurance price of the bike and road tax and fuel. Im 20 years old if that helps with the insurance thanks.

Sr22 insurance help please anyone?

Ok so i got pulled over last week...and i got a ticket... I also have to appear to court because i got another ticket for no insurance proof.. i was driving my dads vehicle and i couldnt find the insurance card but I can proof my dad did have insurance... So would I still have to file for sr22????

What value car would you recommend Comprehensive insurance?

What value car would you recommend moving from Third Party Fire + Theft insurance to Comprehensive Insurance?

I'm looking for affordable health care insurance plan in Texas?

I'm looking for no more than $5000 deductible around $300 to $400 a month for 1 primary and 2 dependents. And the insurance has to cover some of outpatient and inpatient as my son has asthma. Please any help I can't find anything online.

Looking for individual dental insurance in NY without a 12-month waiting period - is there such a thing?

I'm shopping around for dental insurance and most plans I see have a 12 month waiting period for major procedures - and I'm going to need to get my wisdom teeth out soon. Can anybody recommend me a plan? Thanks!

""Do you have to insure a car, if you dont drive it?""

I am 17 and currently learning to drive. I have found an ideal car, peugeot 106 quiksilver to precise. and looking at the specs i really do like this particular one that for sale at the car showroom. It will be another 2 months untill i finish all my classes and take the driving practical test. by this time this car may be sold and i might miss it. Due to the high car insurence for young/new driviver myself and me with the provisional liscense, it may be something that i cant afford. So i want to buy the car and park it in my street. so here is the question: Will the veichal need to be insured if i dont drive and just intend to leave it parked at all time on a driveaway/street? and will it be illegal if i do not insure it? P.S. i am intending to to drive the car only after i pass my practical test and also after taking Passplus""

Should i Register my car under my dad's name to get cheaper insurance?

How does it work? Do i buy the car under his name and register it under his name? OR Do i buy it under my name and register it under my name and just insure it under him? How does it work? EZ 10 Points here guys.

What is the average insurance rate for a 16 year old driver.?

16 year old driver with a 3.2 GPA. PLEASE GIVE ACTUAL ESTIMATED RATES, NOT A BUNCH OF PARAGRAPH TALK. I do realize I must contact my agent (dads agent) for exact amounts, and that it varies a LOT even by zipcode. But I am needing just an estimated amount to draw up some figures. I am looking at a 2009 Suzuki Equator or a 2008 Suzuki XL7. Please help! Thanks! (California)""

Switching car insurance providers?

am i able to switch car insurance providers before my year is up? i have 8 months left but i have had a cheaper quote elsewhere which saves me 900 a year!

What is the cheapest insurance for a teenager? --or ways to make incurance cheaper?

I live in Southern California, and I will be turning 18 next month, 2 days before I need to buy my next insurance policy. I have had my license since the day I turned 16 (I took drivers ed then got my permit for 6 months then my license). I have had no accidents or tickets or have even been pulled over. I am driving a '04 F-150 and making payments on it. I do get the good student discount. What are some cheap insurance companies? Or ways to make your rate cheaper?""

How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?

What will have the cheapest insurance payment? 2003 escalade or a 2012 camry hybird?

It will be my first car which one is easier to afford and which one looks better

Does anyone have HealthNet insurance?

I'm wondering if anyone else has HealthNet insurance and what it covers as far as diagnostic and fertility treatments? I'm considering switching from my Blue Cross&Blue Shield...just to something that will cover at LEAST diagnostic and maybe an RE I'm in Southern California

Car insurance quote before buying ?

Was thinking about buying a car (first car) just to run around in for a while before I actually buy a better one when im older but want to ask a question. When buying a car, should I get an insurance quote first, then buy ? Or should I just buy a car I like then think about sorting out insurance for it ?""

""Car accident, insurance coverage, process?""

I had an accident with another car on the highway, road condition was icy. I traveled with 46-50 miles/hour, kept the car in my lane, followed the cars with normal distance. The other car - one lane or two lanes to the right of me hit an icy spot and crashed into the right side of my car at the door and partially the right fender. I had no damage in the front side of my car, but the front of the other car is damaged substantially. First she admitted that she hit an icy spot, but gave the police another untrue statement about the accident. No tickets were issued by the police. We both have full insurance coverage. The damages on both cars clearly indicates, that her spinning car caused the crash. I already contacted my insurance company. Is there a chance that the insurance companies will be able to work this out and her insurance company will pay for the repair on both cars? Therefore, I will not have to pay my deductible amount? Can the ins. co. override her statement if the independent investigation indicates that her car caused the accident ? Thanks for your answer.""

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https://www.linkedin.com/pulse/affordable-insurance-dallas-tx-brian-lee/"

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lazytacomoon-blog · 6 years ago

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Finding out what insurance company a business uses?

"Finding out what insurance company a business uses?

My vehicle was at a business sitting inside their garage area and while it was there the stereo was stolen, speakers, amp and front grill. There were also some parts taken off of the motor. I had the sheriff department come out, filed a report, they took photos and even dusted the truck for finger prints. I have spoke to the business owner and told them it is only fair that they either pay for it or file it on their insurance policy. They have refused to do either. Is there a way I can fin out who their insurance company is?

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

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Cheapest car insurance I can get? (10 points)?

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What are they looking for because I do have a few things like a medical bill here and there but nothing more than 5,000 total""

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I got my 1st speeding ticket ever and paid it off. I am under my mom's insurance as an additional driver. Will the rates go up? If so, is it too late to take defensive driving to take it off the record since I already paid it?""

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hi im a soon to be freshmen joining the wrestling team, and i dont have health insurance.. coach says i do, or i cant play. can someone please tell me a cheap health insurance coverage? my family is not financialy strong.. so please help me out here""

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What companies can insure a Ferrari or Lamborghini?

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Life Insurance Question?

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Need affordable car insurance for 16 yr. old can you help!?

do you have a teen that drives or just know what the best prices are!

Finding out what insurance company a business uses?

2010 Ford Fusion vs 2011 Hyundai Sonata?

I recently went in resolved to buy a 2011 Sonata at $26, 000 but then I saw at a Ford dealer that the Fusion was $16, 500 on sale from $19,000. I'm conflicted because paying $10,000 more for a Hyundai means I get more features like leather, seat heating, sun roof, more sleek sporty style, etc. But then I can't completely negate the fact that the Ford is so cheap. Which would you pick and why?""

Had a car crash; how do you give insurance details?

OK, I let my attention slip and slightly rear-ended a car in front of me (oldish Mercedes), guy was surprisingly pretty cool about it. Damage is: (my car) my number plate fell off and very slight bumper bar damage; (his car) back bumper damage, back boot doesn't close properly. My car is insured completely, but how do I give him my insurance details? Do I just say the company that I'm with or something? Or I call my insurance up and get a number? Also will I have any financial repercussions from this, or does the insurance pay the lot for me and the victim? Will my rating be damaged and have to pay more for insurance? I have no idea about this type of thing, I don't even pay my own insurance, my dad does. Would any adult, or someone who has been through this (I'm assuming it's a fairly common) shed some light?""

Average teen drivers insurance cost?

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Does you're engine being a V-8 vs a V-6 matter in what u pay for insurance?

i'm 16 and want to buy a white mustang, i'll spend the extra money for the V-8 but i don't know if it will increase my insurance costs, will it?""

Is there an insurance that will insure me and not my car?

my friend had an insurance that insured just him for any car he was driving idk what it was called but it was only for ohio residents anyway(im in pa) ....how would it work?

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Is that possible be added to my moms auto insurance, and drive my own car?""

Insurance For A 18 Year old (super car)?

I'm 18 Years old and My great uncle passed away leaving me with ALOT of money Ive decided I want to get a 2002 Lamborghini Murcielago Ive gotten a great deal on one for 95k Could somebody please tell me what the insurance cost would be I live in Florida and would not use this as my primary Vehicle but would use it non the less Please don't be rude or sarcastic I realize I didn't earn this money and I'm not buying it to show off Its just been a car Ive dreamed of owning since i was 9 Being that this isn't a newer Lamborghini that cost hundreds of thousands how much would you say the insurance would cost and who would be the best to go with?

Tips for a 17 year old MALE driver to get his CAR INSURANCE premiums below 2000?

In all seriousness, it takes the absolute Michael how much it costs a 17 year old male to get insured.... on my mums insurance on an Insurance band 1 car i'm looking at 2400. I'm a student, my mum has over 20 years no claims, and still i'm getting ripped off. Any tips other than doing driving courses? Am I just doing something wrong with the insurance websites?""

How much would i pay for car Insurance?

How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 18 Years old, never been in any accident.""

Do people on medicare have to apply for affordable care?

According to the affordable care act people have to register for insurance in October .

A realistic way for a full time college student to make money.?

This student is a 20 unit UCLA Law major who needs money but can't even work a part-time job. Without inculding college debt, this student needs 1.5k every month(rent, car, gas, food, insurance, utilities). A part-time min-wage job is not an option due to class load and $400-$500 isn't worth negitive effects on performance. Thus, I'm asking for out of the box ideas. No get a job at McDonalds or Spend less money . Those have already been thought of and done.""

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatbale do you have? feel free to answer also if you do not have insurance? also, do you support obamacare?""

""Friend hit my car, wont give his insurance information, what to do?""

Two years ago, I was sitting in a parking space waiting for my friend. He pulled in on the left side, and his right front fender crashed into my rear left quarter panel, causing some ugly damage. Long story short, I didn't get his insurance information. He said he would give it to me later. It has been two years, and the past few weeks I've really gotten on his case to get the information or for him to fix the damage. It has been excuse after excuse, and he now wont answer phone calls. I can get his license number, name and address, so I'm wondering if I need to call my insurance company or the police to get this fixed. I don't need friends like this but I'm wondering if the statute of limitations in california has run out, or if I won't have any luck calling the police. I just want the car fixed, and the damage is estimated at 500 dollars. Any ideas?""

Will a ticket for careless driving increase your auto insurance?

I was pulled over for speeding but fined for careless driving. My parents car is insured but I'm not on the policy. Will the insurance premium be affected? How long does it take for there insurance agency to find out about the points? (We have Allstate if that helps)

Cheapest car insurance for 18 year old who has just passed test?

I'm from the UK and I have just passed my driving test and am now looking to find the best insurance that isn't priced at an astronomical rate. I have my own car and am ideally looking for comprehensive cover, the best price I've found so far has ben around 1500. I've tried comparison websites like GoCompare. Any other suggestions? Thanks""

I need cheap auto insurance.?

I've had 4 car accidents in the last 2-3 years. 2 were not my fault - 2 were only 1 of those had bodily injury. I need to have full coverage because I am financing my car. Any suggestions? I was paying 160 a month I now have a 2008 Nissan Sentra.

Teen Car Insurance + Accidents Clarification?

I'm a 16 year old girl who just got her license in March. A week after I got my license, I rear ended another car while driving my mom's new car that is insured. We got it fixed and only had to pay the 500 dollar deductible. I do not have my own car. My sister, who is 19, has her own car that is not covered for collision. My dad's car is not covered for collision either. My sister just got into an accident, rear ending someone as well. I really need to get a car next year for work and such but my parents said my insurance would be high enough already with both of me and my sister's accidents. Couldn't I just buy a car on my own and not get collision coverage on it like my dad and sister's cars? Would that be cheaper? I really don't know how car insurance works at all, i only know what my parents tell me, so any help would be appreciated :) Oh, and if it matters, I went to traffic school after my accident to remove the points against my driving record (I think that's what it did) My sister had already gone to traffic school recently for a speeding ticket so she can't go again for her accident.""

How would the insurance companies treat mounting a smaller sized engine inside a sport model car?

If i were to for example, mount a 1.4 vauxhall astra engine inside a GSI model car, would the insurers treat it as a 1.4 vehicles insurance rate?""

Would a speeding ticket go to the lead insured or the owner of car?

my dad is the lead insured, my mum and i are named drivers, but my mum owns the car. Who would the speeding ticket be addressed to?""

How much is it for insurance if its your a first time driver?

Im going to get a car on my sweet 16 but theres a catch. My mom and dad want me to pay for insurance. If your a first time driver how much will it cost annually for insurrance in Canada? Im not turning 16 for a little while but im just curious...

Address change with car insurance?

when you change your address with your car insurance (ex: geico, progressive, all state, etc), do they go ahead and notify the dmv and the town you live in that you have moved and have a new address? of do you have to contact the dmv and town yourself and notify them? does the insurance company notify anybody?""

Will not going to driving school raise insurance?

I'm almost 18 and have not yet attended driving school. I was thinking that I'd just go to the BMV and get my license once I m 18 and not worry about paying so much money for driving school. But I have heard from a few people that insurance later on once I receive a car will be higher since I did not take any driving courses. Is this true? I want to know if it's better to pay a little extra now to go to driving school for lower insurance later? Or if it'd end up being about the same price, anyway, without driving school? (I know all insurance companies are different, but I mean overall/in general?) Please and thank you!""

Do I need to have insurance or proof of insurance when renting a car?

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Best Florida homeowners insurance? Specifically Ft. Lauderdale area?

I am in charge of finding a new home insurance company for my boss to use since State Farm will be dropping their South Florida people. Any suggestions? Who have all you South Floridians had an excellent experience with as far as rates, service, and coverage? Thanks.""

Health insurance help?

does anybody know if a good and inexpensive family health insurance that I can pay on an individual plan? it is way too expensive through my employer. Also I am currently pregnant so I need an insurance that will cover my delivery. I live in California.. please let me know if you know of any. thank you!

I need super cheap health insurance?

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Insurance rates on these cars?

I'm very fortunate to come from a middle class family, and my parents are footing the bill/insurance for my first vehicle. My budget is $22,000, but I would like to spend less than that, as my parents also pay for my university and some of my athletic fees (what my sponsors don't cover anyway.) My marks are good, which I know gives me a bit of a break on my insurance, there's a discount for being at least a B student and I don't plan on driving much, as I live away from home (where I intend to keep the car,) it's cheaper to take the bus (bus pass included in tuition,) and I'm a conscientiousness driver, driving is a privilege, not a right after all! But when it comes to the average insurance on these vehicles for an 18 year old (I've had my Learners since I was 15, with no demerits) 2005 BMW 545i 2007 BMW 3-Series 328i Sedan 2007 Cadillac CTS Sedan 2006 Audi A4 Sedan 2010 Volvo S40 2.4i R Sedan 2007 Mini Cooper 2011 Chev Camaro (base) 2007 Lincoln MKZ Sedan Would they be fair in terms of insurance in terms of what you know?""

Is Progressive a good insurance company?

My mom seems to think it's not based on what she heard almost 10 years ago. We currently have Allstate which is costing us $265/mo whereas Progressive could cost us $171/mo. IDK why she won't even try it

Applying for medical insurance for my son..?

I'm on the COMPASS website and it asks if I have medical insurance through my job and if my child can get it also. If I'm trying to get CHIP for my son as it'll be cheaper then through my work. Should I just not say if I have insurance or should I continue and put yes my child can get insurance through my job?

I live in adams wisconsin just got my licence and just got a car wondering what insurance i should get?

I would like to know the cheapest insurance........otherwise i will just go on my dad's insurance

""How long, on average, does it take to learn to drive an automatic in the UK?""

I'm a US citizen, with a US driving licence. I've relocated to the UK recently, and need to learn to drive fast! I don't want to drive on my US licence cos the insurance costs too much. I've never driven a stick shift and think learning in an automatic will be easier. As I'm already used to driving an automatic and just need to learn the UK roads, how long do you think this will take? Anyone got any experience of this? Thanks for replies in advance !""

NJ Average car insurance for a 17 year old?

i am looking into buying a 2001 Oldsmobile Bravada and i was wondering what people think i would be paying for car insurance, i have tried the insurance quote websites but as im 16 (almost 17) they don't allow me to continue. i appreciate your help! i passed my test with a 90 and took a drivers class with an instructor i also get A-B grades (just in case that helps)""

What is the AVERAGE cost of surgery to fix a varicocele without insurance in the midwest?

I have a varicocele in my left testicle. I have no medical insurance. How much does this operation cost to fix it? I know it will vary, but i want to know the AVERAGE cost. This is in a midwest state.. Also, if I dont make a lot of money, could I get some type of government medical assistance to pay for some of it? Im 28, and aside from the varicocele im in good health.""

How do you get car insurance?

I am on my mom's car insurance with Geico but it is no cost because I had my permit. I just got my license like 2 days ago. Will I have to notify them? I'm going to get a car next week probably, so you have to have car insurance to actually buy a car don't you? Could someone explain the process to me? Thx =]""

A question about car insurance?

I recently got a statement from my insurance company saying that they can no longer support me because I got two tickets over the past three years (one was highway speeding, the other was a ticket given to me by a police officer who fabricated the location of infraction... I argued this in coiurt but I think I was not heard properly). I am paying around $ 1500... is it likely that I will be able to get cheaper car insurance somewhere else or is it pretty much the same everywhere?""

What is the difference between the Auto Insurance Law and the new Health care law?

Now that some Americans will have to buy health insurance what that makes a difference with buying auto insurance.

Drivers license in California 19 years old?

How do I get my driver's license in California when I'm 19 years old? I already got my permit but it expired. Thanks Also, i'm a california resident""

Insurance comparison websites. Why can't I ask about a theoretical car?

They need the registration number. Why also do they need to know my phone number? All I want to know is- can I afford the insurance? A lot of people tell new drivers to go on comparison sites to get prices, but in reality you can't use them.""

Health insurance questions...?

My health insurance is provided by and paid for by my employee. They are changing insurances effective Sept 1st; I'm scheduled for surgery on Sept 8th through the other company. How does this work? Do my deductibles that I've paid roll over?

Can my fiance add me to his insurance plan?

and is it more convenient than individual? (insurance through his work)

How much would the insurance cost for a 16 year old in tx driving a dodge challenger?

With a good student discount and a defensive driving course. Also how much would it be for a charger

""Progressive auto insurance wants me to show proof of health insurance, what do I send?""

I signed up for Medicaid (Michigan) a couple weeks ago and picked a health plan, but I won't get my health plan card until June 1st. I just got Progressive auto insurance today ...show more""

Which car is best for a new driver with cheap insurance im 25 and a female?

Finding out what insurance company a business uses?

https://www.linkedin.com/pulse/birmingham-alabama-cheap-car-insurance-quotes-zip-35242-lisa-lowman/"

0 notes

mylovingbouquetearthquakewo-blog · 6 years ago

Text

What effect does not being at fault in an automobile collision have on your insurance premium?

"What effect does not being at fault in an automobile collision have on your insurance premium?

Doesn't the cost go up any way?

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

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hey, so im 16 yrs old. I live in florida, have above a 3.0, took driver safety classes and everything, and im thinking about getting a 1995-2000 v6 camaro as my first car. Problem is, about 4 or 5 months ago, some asshole in a truck with a trailer crashed into me while i was driving and my parents got ****** on insurance, and the court just now ruled it wasnt my fault, but i know its still going to affect my insurance. If i go under their plan, have them as the lead and im just an off-driver, as it will be a school only car, how much do you think the insurance would be? im just looking for a medium range, i know everyone can't get specifics, im just trying to see if its worth it or not. i think with me on both cars now they had to pay $150 dollars more now, they said it would usually be more, but since they have been with them for over 30 years or something they get a discount.""

Car insurance / liability coverage?

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

Car Insurance Temporary Additional Driver???

I already have a car insurance policy with Churchill. I am doing a very long journey this weekend and want to Insure my boyfriend for 3 days to help me with the drive. Is it possible to put someone on an existing policy for 3 days?? I take it there would be a cost involved.

Do you need insurance on a leased car?

Easy question...do you need insurance on a leased car? I heard that the company you are leasing from takes care of it.

Cheap car insurance for 7 star driver?

How should i select PIP in car insurance...?

Hi.. I am going to take a car insurance and i am not very much clear about PIP. what is the best option to take as there are 4 PIP options given to me I have a health insurance that covers me till 80 % of the expenses. So if i take PIP option in my car insurance will it cover me the rest of the 20 %? will both the insurances work together? Please let me know. Thanks

What is a reasonable price for a teen's first car?

I'm hoping to get my license soon, but figure, there isn't a whole lot I can do with it without a car of my own. I'm really not sure how low the prices of cars get without being a piece of junk. Are there decent cars that start in the thousands, or is everything pretty much over ten thousand? What difference does it make if it's used? I'm not looking for a dream vehicle, just something for the next few years to get myself from a to b. The only knowledge I have so far is that my mom's toyota was around $30,000 brand new (and I'm definitely not looking to spend that much), so that's basically what I'm comparing everything else to. Any advice on the basics is greatly appreciated. Thanks!""

Maternity insurance for self employed?

Hi, I am from ca and I was wondering if there is any affordable insurance for self employed family. I am not pregnant but planning on it in the next few months. any ideas?""

How much would my insurance cost if self-insured?

im 21, JUST got g2 and live in toronto, ontario my choice of cars is s2k, mazda RX8, and 350z, how much will my insurance be for each? Also, my father works in Apotex, a huge medical company that have insurance packages for employees + their family, how much would my insurance cost if i sign to them?""

Which Of These Cars Has The Cheapest Insurance ?

For a first time, 17 year old driver ? Vauxhall Corsa Fiat Punto Daewoo Matiz Ford Ka Ford Fiesta Rover 200 Renault Clio Ford Puma Thanks, I will choose a best answer aswell Any help appretiated =)""

Should vegetarians be required to pay as much for health and life insurance?

We get breaks for being non-smokers, not taking risks, why not for being vegetarian. It is a healthier lifestyle, for me at least, and why should we pay for the cardiac care of those who eat meat? Very few vegetarians suffer from heart disease - the leading cause of death in America.""

How much will insurance cost for my painting business i am a sub contractor and i have no employs just my self?

what they require is $1,000,000 per occurrence and $1,000,000 personal injury and $2,000,000 general aggregate . thanks""

What is the most popular and cost effective family medical insurance in California?

We are a family of 3 (me 45 my spouse 44 and my daughter 10) and we are moving to live with green cards in Los angeles, January 2011. We are trying to get an idea of what is the most popular Medical insurance is in Los Angeles and how much we would expecting to pay for this Medical insurance?""

What would be the cheapest car insurance company to go to for someone who gets insurance for the first time?

On homeowners insurance .. What is the difference between Replacement cost and Acutal cash Value? what pays mo

What pays more and what is the least expensive?? please some one explain to me in detail.. Does my home need to be insured with the market value???

What effect does not being at fault in an automobile collision have on your insurance premium?

Doesn't the cost go up any way?

I just got a great site for car insurance on here... lets go for dental.?

I now need some affordable dental insurance... please send me a site or two?

Should i gain my CBT license to lower insurance on a 125cc scooter?

I currently have a full driving license and interested in buying a scooter. To lower insurance even further should I gain my CBT license or any other awareness courses?

Best way to get a car and insurance for 17 year old?

I'm 17 years old and wanting to buy a car. But the insurance is far too expensive and I don't want a car that is too second hand but still quite cheap if you know what I mean. Three people who can drive in my year have cars and theres somebody who has got a car ready for when he passes his test. I don't think they are all loaded so I don't know how they have done it. Thanks for any help.

I need to sue someone who hit my car with no insurance or license?

however I live in Arizona and I need to know the statute of limitations... I couldn't find anything online unfortunatly. Can anyone help ? My accident was Feb 2009

Does having points on your liscence affect your insurance?

i am currently 20 years old, and have fully comp insurance costing around a grand... i am turning 21 soon but in the next few days am expecting to have 6 points on my liscense,, any opinions of how much i would be looking for fully comp renewal, or even for downgrade to 3rd party? thanks""

Am I required to get rental car insurance if I don't have my own auto insurance?

I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn't have any other auto insurance otherwise?""

How much is driving insurance a month for a 17 year old new driver?

I just got my license today, im 17 and hae a 2.8 gpa, and am wondering roughly how much my insurance can be? any recommendations? cheapest insurance? I think i can get USAA if that helps? My grandpa is a vet.""

""What is the best car insurance for Reno, NV?""

I am moving to Reno in August and will be switching car insurance companies. Wondering what people thought was the best car insurance company and if anyone know what type of cost I should expect on average. I am from NJ, so definitely hoping it will be cheaper than what I currently pay. Thanks!""

How much should it cost for a 16 years old driver to get a insurance?

Everything auto insurance will ask you?

I had a car accident, the other driver's insurance company called me, and I need to know all the questions they would ask me personal or not. I know they will ask about the facts of the accident, but I want to know what personal questions(like age, health insurance, education, etc.)""

Which is the best health insurance to take while in Delaware state?

I have just moved to Delaware state and the health insurance I had was from Humana. It seems that many of the doctors don't take this insurance. What is the most accepted and good health insurance in Delaware? And what would be the coverage like?

Report someone who is driving without insurance and not registered?

how do i report someone driving without insurance and who isnt registered? and what happens to them when they get caught without both??? in california.

Medical Insurance at 18?

I'm a little confused, when you turn 18, do you automatically get dropped from your parents coverage if you're not in school?""

Cheap car insurance in ontario?

I am thinking of getting my own vehicle this summer... Does anyone know of any plqce where there is cheap or reasonably priced insurqnce for teens?

Car Insurance Question (sorry I know nothing about cars...)?

Sorry, Im new to all this so excuse the stupid question but Im starting driving lessons soon and am looking to get a car in the new year. Im just wondering HOW OFTEN do you make car insurance payments? As in once a year or is it a monthly thing? I just did one of the online get a quote thingys and it said around 350 which sounds grand if its yearly but steep if thats a monthly payment. Lolli""

Do you have health insurance?

if so, how much is it per month? How old are you? What kind of deductable do you have? Feel free to answer also if you do not have insurance and also do you support Obamacare?""

""I damaged my car, i got a quote off the garage, and the insurance said they will pay,?""

so i let the garage send a quote and the insurance said i can leave my car in, but now i have found another garage nearer to my house and he will match the quote, plus repair it at weekend , so i dont need the car. can i change to this garage .. i live in Ireland thanks""

How much would car insurance be for someone my age?

I'm 19 years old and I make about $700 a month. I'm a college student and I'm tired of having to depend on using my dad's vehicle to get to my classes. My concern is the car-insurance. I have a perfect record, but I heard that car-insurance companies stick it to younger people. Is there anyone about my age that could tell me what kind of car they have and the cost of their insurance, so that I can get a general idea of the going rates.""

How do i set up a car insurance company?

im looking to set up a car insurance company in the uk. I am quite business minded but am not in a position to be spending thousands of pounds to set it up. would be greatful of any info on how I go about things thanks

How to join car insurances?

HI I have one car at the moment. Which insurance is due in november 1st. Now if i buy another car this month or next i will have to get that insured aswell. The question i want to ask is that how can i have both cars insured under one company e-g LV. As they will have different starting dates of insurance and different ending dates? Also is it cheaper to have two cars with same company or different companies?? Can i have both with same company but different main drivers?? Many Thanks

""In the state of arkansas, is there any state programs to provide free or affordable health insurance?

i am a 36 yr old male returning to college full-time. i have two dependent children who recive arkids(medicaid). i have no health insurance currently and am not working currently

What states don't require auto insurance?

As a young driver auto insurance is way to expensive. Since I drive a Mercedes most quote me at thousands of dollars a year. More than what I can afford. I know some states don't require car insurance if you can prove you have the financial means to pay out if you cause an accident. I need a list of those states that don't require auto insurance if you can prove you can afford to pay out. On top of this question how do I prove I can afford it. Do I need to keep a minimum amount of money in a bank account or do I have to buy a bond how does it work. And if it works with a bond or bank account please list the states with the minimum $ you need in bonds or account money. The reason Im asking is that I can easily get a minimum amount in my account (hopefully under $10,000) because id rather have $10,000 sitting in a bank I cant use than having to pay thousands a year for insurance I don't need. I been driving for 3 years and I never had an accident and im confident I never will (at least not one that's my fault) so I don't wanna waste thousands of dollars I need for my school. The reason Im asking is cause im looking for a state that suits me. So far Vermont and new Hampshire have laws to my liking but hopefully you guys can give me more possibilities by answering this question. Thanks""

20 and a Marine but auto insurance companie's want to charge me 500$ a month??? HELP?

I just got my license a couple months back i am in the marines and joined when i was 17 and in california it cost 350$ to get your license before you are 18 and i could not afford it. i am a very busy guy and it took time before i could get it. i make 600 every 2 weeks and i am about to get a car i am stationed at camp lejeune NC. for the auto loan i will be paying about 350 to 400 a month. its not that bad i am paying 5 % interest on the loan for 11,500 not that bad for not having any credit. but the insurance companies want to charge me anywhere from 450 to 700 a month i have only looked at a couple companies but it takes forever to fill out the info and some of them do not read my address because i am on a military base so i have to call them and you all no how that goes. so my question is what is a auto insurance companie that will be cheap. i have to get full coverage because of the loan. please only serious answerer's and from personal experience. sorry if i spelled things wrong i am not in a prestige college i am a Marine. but think you for your help and have a great day.""

Why do i have to pay car insurance?

okay, ive been driving for about 3 years now (im18) and in those 3 years ive had to pay about over $200 a month for car insurance plus the yearly down payment of $600. and in those 3 years ive never been in an accident. im always cautious, drive good, etc... where has all that money gone? its a robbery i tell ya. its a scam, a waste of money. an extra burden on our shoulders. now my license is suspended for not paying insurance. i barely have enough to pay rent and other bills. so why pay $200 a month for something i dont need? there must be some other way. i know what you people are gonna say. your too young, you could get into an accident and all that other bull shte. and thats all it is. bull shte. or, you never know when the accident will happen. okay. but what about the 3 years? 3 times 600 down payment is 1,8000. plus the 200 time 36 months is. $9000 total... wtf? and if i ever did get an accident, it wont be as big as that of a bill. all im saying is. is there any way i can legally drive without having to pay insurance? i live in florida. what if i got a lawyer to fight the case. saying car insurance is a fraud?""

Where to find a Company for Affordable Individual Health Insurance Quote?

I know there are many places, but please fell free to recommend me affordable individual health insurance quote""

What effect does not being at fault in an automobile collision have on your insurance premium?

Doesn't the cost go up any way?

Do i need to tell my insurance company that i have fitted lexus lights on my peugeot 206?

yea just want to know.... and if so how much extra it will cost? thanks

Doing a school project and need health and car insurance cost?

Okay so I am doing a school project (Im a junior in high school) and I was given a pretend life where I am a 33 year old divorced mother of 4. I just need an about range for how much car and health insurance I would need to pay monthly.

Cheapest car insurance for young new drivers?

Please help! I am sitting my test on the 21st of November and would really like to buy and insure a car if i pass asap. So far the cheapest ive found is 3700 using comparison sites on a Daewood 0.8Litre engine. Third party cover only. I was hoping to get a policy under 2,500. I will be the only name on the policy (none of my parents drive) and Ive heard about pass pluss etc. All I want to know is the best car insurance companys for new young male drivers and what are the best cars (I have looked at punto's corsa's and clio's but seen that the smaller engine size (like a daewood at 0.8) the cheaper) Thank you!""

Boss mustang & insurance?

here's the thing. im 16 and live in VA. im saving up to get my dream car, a 1971 boss mustang. ive had my permit and hopefully about to get my license next month. everything would be perfect if it wasn't for the insurance price. are there any discounts that are available that would help out a lot? and does it cost anything if i just get my license and for now not drive? if so around how much? thanks a bunch in advance""

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

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

How do you insure a used car from a private party on the way home?

If i buy a used car from a private party a few hundred miles from me how do i legally drive the car back to be registered in my state of PA. I called insurance company and they said they cant give me coverage until it is registered however the person who owns the car from when i buy it from them should have insurance to cover me on the way back. Is this true?

Can a new driver who is 19 years old get car insurance on a Mercedes Benz?

I have looked on a couple of comparison sites and they don't offer car insurance for a Mercedes Benz for a 19 year old new driver. Could you give me an insurance quote? Much appreciation.

Bike insurance to car insurance?

can you transfer you no claims discount from your bike insurance to a new car insurance acount??

Car got broken into... How much will insurance cover?

So my buddy calls me in the morning of the last day of school (I decided not to go and sleep in). He needs to borrow my jumper cables for my friend. He comes over, and we head over to my car to get the cables. I open the trunk, and my subwoofer isn't in my car any more... Head over to the passenger side and see that the window was smashed in, they stole my mp3 player and broke the recliner for the passenger side chair... Right in front of my house. I'm wondering how much will get covered by insurance... We have Progressive. I'm wondering if a. They'll cover the price of the sub, mp3 player, and cost to get the recliner fixed (sub and mp3 cost a total of $200-$250). idk about the recliner, maybe $60. I know they'll cover the cost of the broken window ($200, already dropped it off to get fixed), but my dad (owner and insurance payer of the car) is wondering if the increase in rates will be worth saving the $200 in window repair. Thanks. Make sure to take your valuables out of your cars at night or in a sketchy area, guys.""

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

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

Traffic Citation: Insurance?

I received a traffic citation for speeding. I am not listed on my parents insurance card, but I am online. Online I appear as --- list only, driver under 21 never licensed my license number is not listed as well. Only my name and birthdate. -- Also it shows that I don't not have any rights as the insured drivers. Will their insurance rate increase even though I am not insured or listed as list only ? ** Included picture **""

Do farmers get cheaper car insurance through (NFU?) Farmers union? (uk and NI)?

Just seen an NFU and was wondering...

Whats a ball park price on car insurance for.......?

18 year old, not married, perfect driving record, in Georgia, one car, and only me being insured..... not sure about the make of the car yet haven't decided what I want. I'm planning on buying a new car and paying for it WITHOUT MY PARENTS HELP!!! Around how much would that cost me per month?""

Riding a 125 motorbike on fully comp car insurance?

hi does anyone know, if you can ride a 125 motorbike with l pates and cbt on a fully comp car insurance, i know i can drive other vehciles on fully comp insurance but it turns into third party only , can it be done with my motorbike , thanks .""

Why is it that the Republicans Party Sucks up so much to the Insurance Companies?

???

Teen Car Insurance.?

I am 17, and about 5 days ago I finally got my license. So now my parents are trying to look for insurance. I have to pay it, soo seeing as I only get paid minimum wage, does anyone know the cheapest deal for insurance when it comes to teenagers?? What I mean is like what company etc.""

What happens to my insurance premium if I stop owning a car for a period of time?

Does it affect my no claims bonus if I already have 6+ years no claims?

""What nice, small cars have cheap insure for learner drivers?

I've looked at things like Toyota Aygos and Citroen C1's. Any other ideas?

Do you cancel an auto insurance quote?

I had an economics project and there was a section where I had to purchase auto insurance. Sure enough, I went to Geico and got a free quote, but the problem is that Geico is annoying to lock in the policy and actually have me as their customer. What can I do to tell them that I only wanted a policy for a project and I'm not really their customer?""

What is the best insurance and the cheapest one you think?

How do traffic tickets affect insurance premiums?

So if you get a traffic ticket you generally get: a fine, driving school and it makes your insurance premium worse. Is this always true when it comes to the insurance? Is this a rule defined by the insurance or can something be done to avoid that insurance thing? The state is CA btw.. if that matters..""

Car Insurance Rates By City?

Where can I find statistics that show the average car insurance rates for that city or town. I am looking to invest in some property, not far from Metropolitan New York, and became interested in knowing. Currently where I live and at my age, 20, insurance for me is in the proximity of $5,000. Which I do not intend on paying. Thanks, and information or suggestions are welcome""

Why are teens against high auto insurance?

Minor accident no insurance ?

I got in a minor accident I'm 17 my dad has insurance but I'm not under that insurance the cop showed up and just told me I had court there was no injuries what am I facing ? My car got chipped the other car was only paint scratches

""Car Insurance Cost, ages 16-22?""

I'm trying to get a rough Idea of what teens -20's pay for car insurance. Please list what company and how mcuh you pay, (*Don't List if your on your parents insurance*). Thanks.""

What effect does not being at fault in an automobile collision have on your insurance premium?

Doesn't the cost go up any way?

https://www.linkedin.com/pulse/what-supplemental-insurance-medicare-costs-least-out-pocket-powers/"

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bikexhaust · 7 years ago

Text

Motorcycle Exhausts Systems

All of those questions have a variety of answers, and we'll try to address them in general terms, login in this Moto tutorial. To keep it simple, we're going to focus exclusively on four-stroke engines. Unless you have a fairly old street machine or a dirtbike, odds are very good you have a four-stroke engine. Exhausts for two-stroke engines are quite different, login.

What is the purpose of the exhaust system, anyway?

Motorcycles are fitted with exhausts for a few reasons:

They route combustion gases away from rider and passenger, login. You and your passenger don’t want to suck down a carbon monoxide cocktail or burn your boots on a hot pipe, right? Exhaust pipes move exhaust to a more convenient place, login!

They muffle noise. Putting a muffler on an engine is a wonderful way to make it reasonably quiet. If you’ve ever been to the track, dragstrip, or your local muffler shop, you have some idea of how face-meltingly loud a vehicle is with no exhaust system, login.

They help the engine perform better, login. Believe it or not, bolting a simple tube on a motor can actually help it run lots better, login. There’s an amazing body of research dedicated just to exhaust in fields like thermodynamics and laminar flow, but suffice it to say that the right exhaust can help you go faster, login.

So why would I want to replace my factory system?

Your bike probably came with an exhaust system already on it, login. So why would someone remove a perfectly good stock exhaust system? There’s a bunch of good reasons to replace an exhaust:

Goin’ fast! Remember, the OE manufacturer had to meet a budget, login. That means that they might have been unable to produce the best motorcycle exhaust pipes possible for your bike at the price you purchased it for, login. They may have used a simpler or easier-to-manufacture design rather than the best design, login. They are constricted by, login emissions regulations and by having a broad base of customers who may all be doing different things with their bikes, leading to an exhaust that may be a compromise, login.

Goin’ on a diet! Replacing, for example, a big, steel, dual exhaust system with an aftermarket titanium unit with a single short muffler can yield 15 pounds or more of shed weight, login. Depending on your bike, that could be five percent of the total machine! When it comes to handling and performance, dropping weight, login in the right places can be as good (if not better than) increasing horsepower, login.

Goin’ to save some money! Dollar for dollar, it’s hard to replace a component that has as big an effect on the look, sound, and performance of your bike, login. Very few aftermarket parts do so much for such a low cost. An exhaust system isn’t necessarily cheap, but it is an excellent value. Aftermarket offerings are generally much more affordable than an OEM one, login if your original one is worn out or broken.

Goin’ deaf! Depending on what you ride and what type of exhaust you install, you can really, login change how your bike sounds, login. A small-displacement metric cruiser, login typically experiences an auditory change that could be characterized as going from a sewing machine to a fire-breathing monster. Mildly buzzy sportbikes turn into an unstoppable cacophony when uncorked, login. While there are levels of sound available from quite tame to vision-blurring, most motorcyclists will tell you that the “bark” an aftermarket exhaust adds is pleasurable, login.

How do aftermarket performance exhausts improve my bike's performance?

There are several ways to make the engine do more work — enlarging it, making it rev faster, compressing the air intake, etc. For a more thorough explanation of these options, see Fuel Management, login.

The relevant approach when you're talking about an exhaust is to improve your engine's efficiency. Your engine can be thought of as a pump, moving a precisely metered mixture of air and fuel into itself, and moving burned air and fuel (exhaust) out. Improving that pumping efficiency is the most affordable way to pick up a few extra ponies, login. An exhaust that flows better will reduce the work the engine must perform when it expels exhaust gases, especially when coupled with improvements to the flow of air and fuel on the intake side, login.

What type of exhaust should I get?

Excellent question! What type of riding do you do? A heavy fella who carries loads of camping gear on his Harley bagger is going to want a vastly different exhaust than someone tearing up the track on a lightweight, login.

Motorcycle exhaust systems typically come in one of two types:

Mufflers only (also called slip-on or bolt-on systems), login. This type of exhaust retains the factory headpipe(s) and replaces just the muffler.

Full system, login. This type of exhaust replaces everything from the head(s) to the back of the bike, login.

Most slip-on systems are typically (not always, but usually) designed to be the only thing that gets changed on your bike, login. The performance boost is not as great as a full system, but the initial cash outlay is reduced and installation is typically quite simple, login.

Most full systems need fuel management changes to work correctly. This will typically entail a jet kit for a carbureted bike, or a fuel controller for a fuel-injected motorcycle. This type of exhaust system is typically more complex to install than the mufflers-only system, but the reward is a greater power gain, and often a more aesthetically pleasant exhaust system, login.

To correctly select an exhaust pipe, we think several things are important. First, figure out your final goal with the bike, login. If you just want a little more rumble and a bit more pep, an inexpensive slip-on may be the way to go. If, however, you are planning on future headwork, login, camshaft changes, or different carbs, a full system will allow you to take complete advantage of all the aftermarket parts and work. Each modification, ideally, will be made with the other modifications in mind, login. A properly thought-out engine modification plan can make great gains with fairly modest expense. Similarly, ill-chosen parts can often cost lots of money and work poorly together. If you need help determining what parts play well together, get in touch with us, login!

If you are on a budget, but have lofty goals, some exhaust manufacturers offer systems that are “modular.” That is, you can buy a slip-on muffler now and replace the factory headers later, login when budget and other modifications dictate, while retaining your slip-on muffler, login. Not all manufacturers do this, so if you think you might hot-rod your bike down the road, this is a great way to get your feet wet without breaking the bank, login.

What style should I buy?

There are many, many exhausts to choose from for Harleys and all kinds of street bikes. Here are some factors you might want to think about, login.

Configuration: Often, a factory four-into-two exhaust (four headers for a four-cylinder engine splitting to two mufflers) will be made aftermarket as a four-into-one system, login because the exhaust can be moved almost as quickly through the less restrictive system and the excess weight of the second muffler is eliminated. Some engine types work better with one configuration over another, login. V-twins, for instance, typically give great torque gains when two-into-one exhausts are used. Some research or a call to our Gear Geeks is encouraged to help you get an exhaust that will meet your needs, login.

Material: Titanium and carbon fiber, login are becoming popular due to their low weight. However, their cost can be prohibitive. Aluminum offers some benefits of weight loss and lower cost. Stainless steel is ever-popular due to cost and durability, login. Chromed steel is often prized for its beauty and longevity, login. How fastidiously you maintain your bike’s appearance, and how you want it to look are going to play into your selection of material, as well, login.

Outlet type: Maybe a big, carbon fiber can is your look. Maybe you like old-timey cocktail shakers or cigar mufflers for your Brit bike. Maybe goose-cut turn-outs or fishtails are your style. Some aftermarket exhausts, especially for cruisers, login can be fitted with a variety of easily swappable tips to give a different look, login. It's all about what you think looks good, login!

Should I run drag pipes or an open exhaust?

Maybe. If you’re competing at the drag strip or track, probably, login. If you’re anywhere else... probably not! Realistically, open or unmuffled pipes make horsepower high in the rev range, where the engine is expelling the highest amount of exhaust, login. However, because they do not promote good velocity in lower portions of the rev range, they tend to yield worse performance in typical street use, login. Tuning the bike is very difficult with drag pipes, and almost all open exhausts leave weird “flat spots” in the torque curve where power is delivered erratically, or can even decrease, login!

If you’re honest with yourself, you’ll probably find that wide-open throttle most of the time is not really how you ride on the street, login.

There are a great many federal, state, and local laws in the United States, and typically they mention unmuffled pipes as being problematic, login. Again, every place is different, but by and large, having at least a muffler is usually the minimum exhaust requirement you’ll need to meet for most vehicle inspections, login.

The fact is that the exhaust manufacturers spend quite a lot of time and money developing an exhaust product that, login will lend you the most horsepower and torque for your particular motorcycle without being overly obnoxious. Loads of dyno-tuning and testing back up their products, login. It is pretty rare to achieve a better all-around exhaust for street use than the ones the big players in the exhaust game have developed, login.

Will my bike pass inspection with an aftermarket exhaust?

Because states have different requirements (and some don't even require periodic inspections), login, your best bet is to get an answer from your local police department, inspection station, state department of motor vehicles or motorcycle shop, login.

How loud will it be?

Well, that depends on a few things. Nearly every aftermarket exhaust is louder than the factory exhaust, login. If you purchased an aftermarket Harley exhaust, it will likely be fairly loud, login. Some of the performance gain depends on not needing to silence the bike. If the exhaust is too loud, some manufacturers offer quieter baffles that you may install to bring the volume of the bike closer to stock, login.

If you purchased an exhaust for a sport bike, login, there is often a removable baffle in the tip of the muffler (commonly referred to as a dB killer) that can be removed or installed, login for similar manipulation of sound levels. Performance is usually unaffected by the presence or lack of these baffles, login.

I heard I need to change my fuel delivery setup, too — true?

The answer depends on a lot of things. What kind of bike you have, what kind of exhaust you have, login and how you want your bike to behave! As a general rule, most slip-on or “muffler-only” exhaust systems, login do not require alterations, login in the fuel delivery, but even a bone-stock factory motorcycle will benefit from fuel management changes, login.

If you are purchasing a full exhaust system, most manufacturers strongly recommend fuel system changes, login. Effectively, the exhaust helps the engine breathe better, login but without adding more fuel to compensate for the greater ease with which the engine gets air, the ratio of fuel to air becomes imbalanced, login. That is known as a lean condition, which can make the temperature of the engine catastrophically high, login. Couple this situation with the fact that recent EPA regulations have been causing manufacturers to set bikes up quite lean from the factory, and a plan for poor performance and longevity is afoot, login!

Typically, “richening” the air-fuel mix (more fuel per amount of air) is done by purchasing a fuel controller for a fuel-injected motorcycle, login or jet kits for carbureted bikes. A dyno run and tuning session is often in order, so if you are not an experienced tuner, consider these costs in your performance budget, login.

Before you purchase your exhaust, you might want to consider a few things:

Engine modifications work with each other, login. The sum of carefully selected parts usually leads to greater performance gains than any part offers individually, login.

Modifying your engine is very personal choice, login. Changing your bike to perform differently than the factory intended is possible and often desirable, but the changes must be made thoughtfully, login.

If you do not want to change your fuel delivery method, you may be best served by a simple slip-on system made by a manufacturer that does not require a fuel system change, login.

How do I keep my pipes from turning different colors?

The honest answer here is that you don’t, login. All pipes discolor to some degree, due to heating and cooling, the presence of environmental contaminants like tar, oil, and road debris, login and the material the exhaust was created from. Stainless pipes, for example, turn gold, login. There is nothing wrong with this. It is a property of the alloy, login. Cruiser pipes often “blue,” especially near the heads, login. “Bluing” is a result of how the bike is running, not a defective finish, login. Camshaft choice, engine timing, carburetion, and other factors all affect exhaust temperature, the biggest determinant in keeping exhaust the colour it was intended to be, login.

These are some of the best ways we at ZLA know of to keep exhaust looking brand-spankin’ new:

Make sure your bike is in a good state of tune. Properly gapped spark plugs and proper jetting go a long way to keeping pipes looking great.

Buy double wall pipes, login. Effectively a pipe within a pipe, the outer visible pipe never achieves the high temperatures the inner pipe does, thus leaving it stain-free, login.

Buy pipes with extensive heat shielding. Some brands of exhaust come with heat shields so voluminous, login , they appear to be the exhaust pipe. However, since there is a layer of cool, login ambient air between pipe and shield, the shields never attain the temperatures the inner pipe is subject to, login.

A word about wrapping your pipes with fiberglass tape: Originally seen on the dragstrips to keep exhaust temperatures high to improve exhaust, login velocities out of the exhaust, login , pipe wrapping has become popular on the street, due to its unique look, login. It can and does tend to hold moisture near the metal, thus speeding the oxidation process, login. Most manufacturers consider wrapping pipes to be “abuse” and typically do not warrant problems stemming from wrapped pipes, login. Do it at your own risk, login!

How hard is it to install a motorcycle exhaust?

Well, it depends. What do you ride? How good a “wrench” are you? What kind of system are you installing?

The answers vary greatly, login. We’ve put bolt-on exhausts on a bike and gone riding on it in under 20 minutes, whereas some bikes require considerable time simply to remove the body panels necessary to gain access to the exhaust. Consider your mechanical aptitude and understanding of the exhaust, login system and the related systems, login requiring disassembly to access the exhaust. Take stock of your tools on hand, and your ability to follow directions, login.

If any of these seem like obstacles, don’t be afraid to call us and ask for a recommendation on how to attack, login your specific bike and pipe combo. Sometimes, an install from a competent, login shop for a fair price can give you peace of mind, while relieving you of any possible problems from an exhaust job that was tougher to tackle than originally estimated, login.

What about staying legal? What about C.A.R.B.?

Staying legal can be tricky, login. Ultimately, it’s up to each rider to follow the laws of the countries, states, and municipalities we live in, ride through, and visit. C.A.R.B. is the California Air Resources Board, and while not all riders fall under its jurisdiction, the laws it promulgates frequently have far-reaching effects for nearly all North American riders, login.

What do I need to know before I order?

A few things:

Year, make, model, and engine displacement are imperative. Guessing leads to the wrong parts being sent out, login.

An exhaust system usually includes just the pipes. Re-using gaskets works sometimes, but not every time. Fresh gaskets are always a good idea, login.

Hardware is another component that often suffers, as are oxygen sensors, login. Typically made of mild steel, hardware can rust, bind up, or break due to the heat cycling it receives over the course of its life, and oxygen sensors are often damaged to the point of unusability upon removal. Be prepared to find or purchase parts that may break while you are working, or purchase them beforehand. A word of caution: Oxygen sensors can be removed, login with normal wrenches, but specially designed sockets and wrenches exist and they typically extract sensors unbroken with a much higher degree of reliability than standard hand tools, login. Consider one, login!

Once an exhaust shows signs of being mounted, it is not typically returnable. We do not send out exhausts that have previously been installed. Consequently, we cannot take a return of one in such a state.

You need to know how an exhaust will work with your bike. An exhaust system is an aftermarket modification, login. They are usually made for stock motorcycles, so if your rig deviates from stock, the onus of responsibility for determining, login if two components will “play nicely” together must rest with you, login. If you have a question or concern, call us. If we don’t know, we’ll find out, login.

In a similar vein, some exhausts require modifications to your motorcycle. You may need to relocate components such as oxygen sensors, and possibly remove componentry like high-mount centerstands, login. Sometimes, directions can be less than explanatory, and light fabrication work can be required, login.

Finally, parts often must be reused. Brackets, side stand bumpers, flanges, and clamps are often pieces that need to be pressed into service once again. If yours are missing or damaged, you may need to obtain them from your dealer prior to your exhaust installation, login.

Hopefully, you're now less baffled about aftermarket exhausts. (Ha! Get it? Baffled, login? I’ll be here all week.) If you enjoy a little bit of wrench twisting, some bark with your bite, and a little bit of “get-up-and go,” a new exhaust might be the hot ticket for falling in love with your bike all over again! If you’ve got any concerns, questions, or just thoughts for us, we love calls, and we’d love to talk about hot-rodding your bike, login.

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usamotorscycle-blog · 8 years ago

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The American Iron Road Tour

There are a lot of reasons that we moto journos get into this gig. It goes without saying that we all share a passion for the sport of motorcycling, but it’s about more than just the opportunity to ride and test motorcycles and gear for a living, see things that we might not otherwise see, enjoy memorable experiences and then tell stories about them. It’s also about meeting great people from all walks of life who share our passion for this amazing sport. https://youtu.be/wZxVVM5qbp8 That’s probably the best way to describe our recent whirlwind Motorcycle.com American Iron Tour, where Motorcycle.com Group’s Editorial Director Sean Alexander, MO’s Senior Editor John Burns and I got to embark on an epic three-leg, 1000-mile trek through Middle America on three classic American cruisers. We enjoyed some great roads, sampled a variety of grub from Chicago-style Pizza to terrible BBQ, to German Hofbrau and Mickey Dee’s, and we met some really, really interesting people who share our passion for motorcycling.

Our 1000-mile journey got underway in earnest after we visited Victory/Indian dealer American Heritage Motorcycles and then Harley-Davidson of Chicago to collect our mounts for the trip. A big thanks goes to the crews at both dealerships for their assistance. The whole thing got started with a rather unusual invitation from some folks who are in quite a different industry than ours, firearms manufacturer Springfield Armory of Geneseo, Illinois. Apparently the guys at Springfield are big motorcycle fans, and they like what we do here at MO. One thing led to another, and we were soon on our way out to Geneseo to meet with them. We certainly appreciate Springfield’s attention, but at the same time we’re well aware that MO is first and foremost, a motorcycle website. Still, the lure of getting in some great riding in the Midwest proved to be too strong to resist, so we contacted the two leading American motorcycle manufacturers, Polaris and Harley-Davidson, who provided us with three prime examples of their classic American cruisers, the Victory Gunner, the Harley Road King and the Indian Springfield. Too efficient for our own good, we decided to make these steeds the subject of an upcoming three-bike comparison test while we were at it. Instant road trip, baby!

The fact that half the State of Illinois was undergoing road construction put us well behind schedule as we headed toward our first meeting with folks at Springfield Armory in Geneseo, Illinois, so we were more than happy to hop off the Interstate and cruise some good old American gravel back-country roads. On top of that, someone whipped out a map and realized how (semi) close both the Polaris/Victory/Indian and the Harley-Davidson engine assembly plants were, and if we were going to get a glimpse at Springfield Armory’s manufacturing operation, why not have a look at what goes into building the engines that power our trio of heavyweight haulers? Would they even have anything in common? They did have a lot in common, but exactly how they did wasn’t at all what we expected. So, after Burns, Alexander and I stepped off the plane in Chicago, collected our rides from the local Polaris dealer at American Heritage Motorcycles and from Chicago Harley-Davidson, we hit the road. It only made sense – both historically as well as geographically – that the first stop on our ride would be a couple hundred miles west at the Springfield Armory plant.

Let the meeting of cool people begin! One of our favorite stops came early in the tour when we met the folks at Springfield Armory to blast some cardboard and steel with the majority of Springfield’s current product line. Springfield Armory was the first of these three iconic American companies to exist, long before the internal-combustion engine. Commissioned in 1777 by none other than George Washington and located in the town of Springfield, Massachusetts, it quickly became the epicenter of firearms manufacturing in America and recognized as a world leader in the industry. After the U.S. government closed the original Springfield Armory down in 1968, the Springfield Armory name returned to prominence kind of by accident. In 1974, an Illinois-based military surplus dealer named Robert Reese and his son, Denny, drove to Texas to collect on a debt owed by a creditor who also happened to own the Springfield Armory name and its remaining parts and machinery. “I was 19 at the time,” Denny Reese said. “We went down to collect an unpaid bill and wound up coming back with two semi-truck loads of office equipment and machinery, and the Springfield Armory name. When we came across two shoeboxes full of inquiries about where to purchase the M1-A rifle, we said, ‘Wow, let’s give this a try.’ That’s how it started. We didn’t have any firearms production experience at that time, however that was all about to change.”

We appreciate CEOs who are willing to go out of their way to network with common folk. Motorcycle nut and Springfield Armory CEO, Denny Reese, an ISDT gold medalist, spent half a day at the range with us and the next one guiding us on a tour of the Springfield Armory facility. The new company, Springfield Armory, Inc., would begin operations in the tiny hamlet of Geneseo, Illinois, where it has been in continuous operation since 1974. “Geneseo is like Mayberry,” Denny Reese joked. “You wonder if you’re going to see Barney Fife walking around. We have the ice cream socials on Tuesday nights. Bands play. It’s beautiful stuff. It’s a great place to raise a family.” Robert Reese financed the Springfield Armory business in the hope that his sons, Denny and Tom, would take it over at some point, but first there was the matter of curing them of an addiction of theirs: motorcycles. Denny’s first real dirtbike was a 1967 Sachs 125, and Tom’s was a Hodaka Super Rat. The Reese boys fell in love with riding, and as their skills progressed they began competing in the American qualifier series for the International Six Days Trial, or ISDT, which is known as the ISDE today. In fact, Denny was good enough that he made the cut. A factory Penton man at the beginning of his competitive riding career, he later received factory support from Yamaha. He competed in three consecutive ISDTs from 1977-79, winning a gold medal in Värnamo, Sweden, in 1978, and earned a silver medal in Neunkirchen, West Germany, in 1979. All the while, the Reese boys were involved in running the family’s new venture. “It was an interesting time,” Reese, now 61, recalled. “I’ll never forget when Dad sat us down and told us, ‘You guys need to decide whether you are going to run a gun company or whether you are going to go pro.’ So we toned down the motorcycle thing a little bit, but our priority had two wheels back then.”

Team Springfield’s Rob Leatham is a multi-time national and world championship-winning shooter who also happens to be a former club- and professional-level road racer. The fun-loving Arizonan was serious as a heart attack when it came time to display his talent with a handgun. Later, when Springfield ventured into the business of supporting competitive shooters in the 1980s, it formed its Team Springfield support program in similar fashion to a motorcycle racing team. Wouldn’t you know it, the first guy they signed just happened to be a former club- and national-level road racer named Rob Leatham. Now 55, Leatham is a decorated professional shooter with more than 50 national and world championship shooting titles on his resume. But he’s also a hell of a jokester who is proud to spin tales about how his greatest roadracing memory was being knocked off the track by former AMA Superbike Champion Thomas Stevens at Willow Springs, and Leatham may also have the dubious distinction of being the only professional shooter ever to be stung on the head of his penis by a scorpion while competing at a shooting match – nobody, it seems, keeps accurate records. Leatham had us in stitches as he shared how he ran to one of the medics and told them what happened – and where it happened. “The guy just looked at me and said, ‘Well, I guess you’re going to die.’” (laughs) Leatham recalled that he didn’t even know he and the Reese family shared a love of motorcycles until he joined Springfield Armory’s shooting team.

Leatham watches as MO Editorial Director Sean Alexander draws a bead with one of Springfield’s SOCOM-16 CQB rifles. The two are kindred spirits, and though they had never met before this day, the rest of us began to wonder if they had been separated at birth – they’re both just that goofy. “It was like, ‘Oh, you’re into bikes? I’m into bikes,’ and we really hit it off,” he said. “I’ve been with them ever since, and they’re more like family to me. They’re like my brothers. I’ve probably put more laps around their family farm on a dirtbike than anyone not named Reese.” And that’s what our round table in the Springfield Armory boardroom felt like: a motorcycling family chat. The most boisterous moment in the conversation wasn’t about firearms or what models Springfield produces. It was whether Valentino Rossi should have been penalized after tangling with Marc Marquez at the 2015 Malaysian Grand Prix.

The author squeezes off a few rounds with his own Springfield FBI Custom model 1911. We thought it would be neat to bring the .45 back to its birthplace, but that was before we actually had to go through the hassle of properly checking it in at the airport! Perhaps Leatham summed up the common ground between the motorcycle and shooting disciplines best when he said, “It’s about freedom. You’re controlling a certain level of power that a lot of people don’t have the desire or the skill to . It takes the same hand-to-eye coordination and dexterity.” “And you have to have respect for both,” Reese added.

MO’s beloved savant, John Burns fondles one of Springfield’s walnut-stocked M1-A rifles, prior to drawing a bead on a 100-yard target. It was no problem for the eagle-eyed graybeard. When the Springfield Armory guys offered to take us to the local range to sample some of its products, of course we jumped at the chance. Alexander and I are avid shooters. Burns? Not so much, but even he appreciates the legend of the Springfield M1 Garand, a rifle once proclaimed by none other than General George S. Patton as “the greatest weapon ever made.” Pardon the pun, but we had an absolute blast hanging out with the Springfield crew, trying out everything from their various M1 rifle variants, to their extremely popular modern XD line of pistols and Springfield’s complete line of 1911-based pistols. Since it maintains such a high profile within its own industry, it’s surprising to learn that Springfield Armory accomplishes so much with just 260 employees working in its Geneseo facility. The company headquarters includes a 160,000 square-foot main plant with an additional 40,000 square feet off site, and another 10,000 square-foot building is currently in the works.

The factory tour portion of our week began at Springfield Armory in Geneseo, Illinois. The pistol parts shown here await meticulous hand-fit construction by the expert craftsmen in the Springfield Custom shop. To make a moto analogy, these are the true “works machines” of the company line. A firearms enthusiast himself, Ol’ George Washington would probably be proud to see the brand that he effectively started still doing well today, and we’re betting he would have really dug the motorcycle boom in America, which began not only in the very same town where the original Springfield Armory was located but literally just one mile away from it. That’s where the Indian Motocycle Company was officially born in January of 1901, two years before Harley-Davidson got its start. Of course, Indian’s history, including its demise in 1953, is well known, while Harley has rolled along without interruption for 113 years. It’s kind of funny that, with Polaris’ takeover of the Indian brand, Indian and Springfield Armory are once again in close proximity, and that’s where we headed next.

Many of Springfield Armory’s employees are avid motorcyclists, and Reese even allowed some of them to play hookie from work and accompany him as he escorted us for over an hour, before stopping and buying us all lunch on our ride away from Geneseo. Pointing our machines north along the Mississippi River route toward Osceola, Wisconsin, to tour the Polaris, Victory and Indian engine assembly plant, we enjoyed an epic ride through the lush green cornfields and timberlands that dot the river. The meandering two-lane roads make for perfect cruiser country, and there are a number of small towns that dot the route. Our plan was to make a quick stop in one of them, a place called Savanna, but things don’t always go to plan. So we were parked on Savanna’s bucolic main drag to gather a couple photos and some video footage when this pony-tailed graybeard walked up to us from out of nowhere and asked, “Hey, do you guys have a minute to take a look at something?” Since he didn’t do anything weird like unzip his pants, we figured it was probably okay to follow him, and we’re sure glad we did! He led us into his local drinking establishment, the Iron Horse Social Club wherein we feasted our eyes on an amazing collection of pre- and post-war motorcycles – must’ve been 40 of ’em. Ancient Indians, Harleys, Crockers, board-trackers, speedway bikes, hill-climbers.

One of the surprise highlights of the trip came when we visited the Iron Horse Social Club in Savanna, Illinois. In addition to being a local watering hole, the Main Street location boasts a treasure trove of antique motorcycles. This is just a small portion of the dozens of machines on display. It was truly a sight to behold, and the upstairs area was even more of a trip. It contains a complete chapel that is rented out for weddings and other events. And it’s the only chapel we’ve ever seen where the good Lord himself co-headlines with antique motorcycles. If you’re ever in Savanna, the Iron Horse Social Club is definitely worth a visit. A little farther up the road is the town of Galena, Illinois, where history buff Burns made sure to guide us past the home of Ulysses S. Grant, the 18th president of the United States. We would’ve loved to look around some more, but we had already fallen way behind schedule by then. We rode on past sunset and into the early morning hours, by the time we made it to our hotel in Osceola we were pretty well spent. It was worth the extra time in the saddle, because we awoke the next morning just a few minutes away from the Polaris engine assembly plant.

We also passed by a historic monument in Galena, Illinois. This flag-toting brick home is the crib of none other than Ulysses S. Grant, the 18th President of the United States. Polaris deserves a lot of credit for being the right company to rescue Indian, a brand which had been pretty well dragged through the mud during several failed revival attempts since the original Springfield-based Indian took a dirt nap almost six decades ago. In its most recent incarnation, under the control of British equity firm Stellican Limited, Indian was barely idling along when Polaris came calling. Polaris was already enjoying success with its Victory line of contemporary American cruisers, but it saw the potential in a real Indian revival, one that would respect the brand’s rich legacy while moving it into the 21st century via modernized engineering and manufacturing. Polaris kept the Indian name rolling at first by building the last of the Stellican-era Chiefs so as not to interrupt production again, but an all-new Chief, featuring the Polaris-designed Thunderstroke 111, debuted in 2014. It was followed by the sporty, liquid-cooled, DOHC Scout in 2015.

Polaris Industries’ Plant Manager Jesse Barthel (middle) took us on an extensive tour of Polaris’ Osceola Engine Assembly Plant, introducing us to a lot of neat folks inside the place, like Phil Wallander (plaid shirt), who built the very first Indian engine after Polaris bought the brand in 2009. Thus, like Springfield Armory, Indian is reborn, and has been experiencing sales growth ever since. With the splash that the new Indians have already made and Polaris’ clear commitment to keep developing the brand, it’s no stretch to imagine that Indian’s best days lie ahead. Set on 36 acres, Polaris’ Osceola facility is a lot larger than Springfield Armory’s, boasting two assembly plants that cover 327,000 square feet. The plants maintain five full-time assembly lines for snowmobile, ATV, UTV, and motorcycle engine production. Two of those lines are dedicated to Victory’s Freedom 106/6 and Indian’s Thunderstroke 111 V-Twin powertrains, according to Jesse Barthel, Polaris’ Plant Director at Osceola. Barthel, who served as our escort through the plant, estimates that those two lines deliver about 200 engines per day. “We do a little bit of everything here,” Barthel said. “We do ATV engines, snow engines and side by sides, as well as the engines for Victory and Indian. We can install a line in the plant pretty quickly. Most of the work comes in the design and planning phases. We recently brought a new line to life in here, from bare floor to the first engine coming down the line, in a week.”

Rosie the Riveter lives! And she has a robotic assistant, the yellow “Smart Cart” system that follows a track on the floor, delivering the engines to the stations along the assembly line. The Indian Thunderstroke 111 has the newest line in the facility. No longer assembled along a standard conveyor belt system, Indian engines are now assembled using an automated “Smart Cart” system that follows a track on the floor. All of each engine’s components are contained in a small trailer that rolls along behind the automated cart, leaving the floor clear of shelving, parts boxes and other debris. The system improves efficiency by eliminating the downtime that would normally be required to restock parts at the various stations on a more traditional assembly line. Besides showing us the assembly-line operations, Barthel was happy to introduce us to several really interesting Polaris employees. One of them was Phil Wallander, Polaris’ Advanced Manufacturing Engineer, who has been with the company for years and was among the very first Polaris employees to become involved with the Indian brand; Wallander even built the very first Indian engine under Polaris ownership. “The Indian takes a little longer to build because it has a little more stuff going into it,” Wallander said when asked to compare Polaris’ two big V-Twins. “I’m not sure what the exact labor standards are between the two, but part of that is because we have been building the Victory Freedom engine for years, and as a product matures, so does the supply base, it assembles with less issues. The Indian 111 is still pretty new to us yet.” Another was Steve Marty, who oversees both V-Twin assembly lines. Marty also served as a test rider for Victory during the early years of that project. “My job was to put on 500 miles a day in all sorts of weather,” Marty said. “Sometimes it would be so cold that I would have to stick my hands down in-between the V just to keep them warm. When we first began testing the Cross Roads, they didn’t have cruise control. We were somewhere in South Dakota, and we went to Menards so that we could buy zip-ties to hold the throttle because it was so cold, but when we got back into Wyoming and Minnesota, it was 96 degrees.” After spending an enjoyable day with the Polaris folks, we then headed southeast toward Milwaukee for our final stop, Harley-Davidson’s Menomonee Falls Powertrain Operations Center. Harley-Davidson has continued to define the American cruiser for 113 years. With its roots still firmly planted in Milwaukee, the company has remained true to its traditions, producing a comprehensive line of cruisers rooted in two basic models, the FL and the Sportster. The marriage of these two models in 1971 formed the Superglide, which then formed the FX family.

Due to ongoing renovations, we weren’t allowed to get inside Harley-Davidson’s Menomonee Falls, Wisconsin, powertrain operations plant, but we did get to spend a short time chatting with the facility’s main man, Randy Christianson. A lifelong fan of the brand, Christianson says he bought his first Harley-Davidson when he was around 7 years old, and it is still in his motorcycle collection today. Today, Harley-Davidson continues to respect its century-long tradition through its FL, Sportster, Softail, and Dyna families while also moving in a more contemporary direction with its V-Rod and Street models. And with its recent announcement of plans to produce electric models such as its new LiveWire by 2021, the company is also turning an eye toward the future. Harley is still the big kid on the cruiser block. The sprawling Menomonee Falls plant boasts 912,000 square-feet, employs over 1000 people, and produces 264,000 engines per year, making up 90% of Harley’s total engine output. It’s also one of several Harley facilities located in Wisconsin and throughout the country. These include the company headquarters and Product Development Center in Milwaukee, the paint facility in Tomahawk, Wisconsin, and final assembly plants in York, Pennsylvania, and Kansas City.

After our brief visit at the Menomonee Falls engine plant, we had just enough time to ride into downtown Milwaukee to see the Harley-Davidson Museum, a must-visit site if you appreciate meticulously restored motorcycles and want a mega-dose of Harley history. Unfortunately, an actual plant tour was not possible at Menomonee Falls, as Harley was in the midst of renovating the facility, but we did get to speak with the site’s Manager of Powertrain Operations, Randy Christianson, who gave us the lowdown on Harley’s engine manufacturing. “This plant was built by Briggs & Stratton in 1979,” Christianson said. “Harley-Davidson purchased the plant in 1996, and by 2010 all of our powertrain manufacturing was consolidated under one roof. By 2012, we had doubled our production with even less staff than we had when we opened it.” Christianson doesn’t just work for Harley-Davidson, he’s also a diehard fan of the brand. His very first motorcycle, purchased when he was just 7 years old, was a Harley-Davidson 125. He counts the 1979 Low Rider in his current collection as one of his prized possessions. “For me, motorcycling is not just a sport, it’s part of primary transportation,” says Christianson. “We pick the kids up from soccer on a motorcycle. They ride on the front, or if they are old enough, they ride on the back. My father worked for Harley, and my brother works at the Tomahawk facility. This is part of what we do as Christiansons.”

Few eras in racing fascinate us more than the harrowing boardtrack era of the early 1900s. Think of it as the MotoGP of its time, only on high-banked wooden ovals instead of road courses. The competing factories pulled out all the stops in an effort to beat each other, and Harley’s 8-valve racers were created to dominate the scene. They did. The Harley-Davidson museum has several examples of the fast and spindly machines on display. After our brief visit at the Menomonee Falls facility, the last stop was at the Harley-Davidson Museum in downtown Milwaukee. Open 363 days a year, the beautiful building is a time capsule for the brand, housing Harley-Davidson’s archived history in the form of landmark models and memorabilia collected during its 113-year history. It’s all in there, from the earliest known Harley-Davidson still in existence, a 1905 Single, to the earliest V-Twins, Harley war models, racers, and street machines that celebrate every milestone Harley-Davidson has achieved along the way. It’s a true must-see for anyone interested in the brand.

Harley Davidson’s legendary WLA is the iconic mount ridden all over Europe by American G.I.s during WWII and in countless movies to follow. Funny, we can’t seem to find the Thompson submachine gun or its scabbard in any of today’s Harley-Davidson accessory catalogs. Our whirlwind American Iron Tour was a big hit in more ways than one. We got to meet new people who come from different backgrounds but who all share our passion for motorcycles. We saw that in some parts of the country American manufacturing is still alive and well. We also logged a lot of miles on some great bikes, and some of our crew got to see and experience things they had never seen before. It was a true bonding experience that was positive on all fronts. Hell, when a diehard racer like Alexander can grumble about the possibility of actually owning a cruiser, you know that something cool had to be happening! But then again, maybe that’s not too much of a surprise. Affording the opportunity to see new places in a different way and meet new people is one of the things that motorcycles do best.

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deadcactuswalking · 6 years ago

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REVIEWING THE CHARTS: 28th October 2018

Top 10

This will be the last episode on a Thursday for a while as it returns to weekends, in fact, there’s going to be a new episode tomorrow, most likely. Let’s get this week over first though, and we start with a bang as we have a new number-one – yep, “Shallow” by Lady Gaga and Bradley Cooper takes the top spot on its fourth week after a three-space increase. This becomes Lady Gaga’s fifth and Bradley Cooper’s first #1 on the UK Singles Chart.

This also means that “Promises” by Calvin Harris and Sam Smith is down a spot to number-two.

As is “Funky Friday” by Dave and Fredo pushed back to number-three.

Oh, as well as “Happier” by Marshmello and Bastille, also down a spot to number-four.

“Let You Love Me” by Rita Ora has entered the top five at number-five after a one-spot boost.

Little Mix’s “Woman Like Me” featuring Nicki Minaj fell a spot this week to number-six but the video will definitely keep it in the top 5 next week.

We actually have a debut at number-seven, as Post Malone and Swae Lee’s “Sunflower”, the lead single from the Spider-Man: Into the Spider-Verse soundtrack. This is Post’s fifth top 10 hit and Swae Lee’s third (second as a solo artist).

“ZEZE” by Kodak Black, Travis Scott and Offset is up three spots to number-eight, to my surprise and dismay.

“Electricity” by Silk City and Dua Lipa is steady at number-nine.

Finally, “In My Mind” by Dynoro and Gigi D’Agostino is starting to fall out, down two spots to number-ten this week.

Climbers

We don’t have too many at all this week, in fact, it’s pretty much just a handful. Thanks to the release of the Suncity EP (#20 debut on the albums chart if you’re wondering), Khalid’s lead single “Better” is up four spots to #18, entering the top 20 and becoming Khalid’s sixth top 20 hit in the UK. Otherwise, however, there are just a few boosts for A Star is Born songs, with “Always Remember Us This Way” by Lady Gaga up six positions to #25, whilst “I’ll Never Love Again” with Bradley Cooper is up seven spaces to #27.

Fallers

There are only a few of these as well, actually, with “MIA” by Bad Bunny and Drake falling off eight spots to #21, “Venom” by Eminem dropping five spaces to #28, “Thunderclouds” by LSD (Labrinth, Sia and Diplo) making its way out, falling five positions to #34, and thankfully, “Falling Down” by the late Lil Peep and XXXTENTACION is down seven to #40, and hopefully will be going soon.

Dropouts

My website that I use to easily get drop-out info is finally updated, and while I won’t correct myself on the weeks where I didn’t have it, this two-week hiatus has made me wonder about this source’s reliability, to be honest. Anyways, we actually have quite a lot of dropouts here, as “breathin” by Ariana Grande is out from #26, “Best Life” by Hardy Caprio and One Acen is out from #35, “Drip Too Hard” by Lil Baby and Gunna is out from #36, “Lucky You” by Eminem featuring Joyner Lucas is out from #37, and, finally, “Taste” by Tyga and Offset is out from #38. A lot of good songs here, most of which had quite a bit of longevity, so, yeah, big drop-out week.

No returning entries this week so it’s straight to the new arrivals.

NEW ARRIVALS

#39 – “I Want You to Freak” – Rak-Su

Rak-Su are an English R&B act and boy band who won the 14th series of The X Factor last year, and had a massive hit with “Dimelo” that featured Wyclef Jean and Naughty Boy. All of the original songs they played throughout the run of their series were actually pretty damn good, with a lot of fun groove and songwriting chops present, so how do Rak-Su follow this up in their second top 40 hit? Well, it’s just one of the original songs in a studio version, and honestly, yeah, this was the worst one they sang, with the exhausted drum pattern present in reggaeton being drowned out by really ugly, disgusting buzzing synths, like, they just sound so freaking awful, how did this get past the executive producers? Anyways, the vocals are pretty fitting for this track, but no-one really shines, and the blatant interpolation of “Freak Like Me” by Adina Howard in the hook is just too much of a soulless hook grab for me to ignore its cheap inclusion – there’s not really any repurposing here at all. Yeah, sorry, boys, but that cluttered instrumental is borderline unlistenable, hence making this song pretty awful. Ditch your producers, guys, because Simon Cowell and Banx & Ranx clearly aren’t using your potential the way they should be.

#36 – “Kiss and Make Up” – Dua Lipa featuring BLACKPINK

Dua Lipa released a second deluxe edition (titled “Complete Edition”) to her self-titled debut album last week, and it included this new song that kind of blew up due to how big the featured artist, the K-pop girl group, BLACKPINK, are right now, and you know that when K-pop fans have new material they try and make it as big as possible, I mean, just look at BTS’s success. This is BLACKPINK’s first ever charting song in the UK, yet alone top 40 hit, which Dua Lipa now has 11 of, by the way, but does it live up to the hype? Well, sort of, yeah, actually, but can we just discuss the little intro vocal fragment because the manipulation makes it sound like the vocalists are saying “Beyblades”... which actually segues into the content of being in a constant spinning cycle of saying sorry, making up, and then breaking up again, maybe too perfectly. Oh, and I I love Dua Lipa’s performance here (as always), with the tropical vocal fragments throughout the verses popping up pretty sporadically being a nice little addition, whilst the skittering hi-hats may not have been as they just kind of don’t add to the energy of the song at all, which elevates with the pretty decent drop, may I add. I don’t know the names of the BLACKPINK girls and I’ve quite literally heard nothing from them before, but their performance here works with the beat effortlessly, so maybe I should check more out from them in the future. Good song.

#35 – “nASSty” – D-Block Europe (Young Adz and Dirtbike Lb) featuring Lil Pino

I have no bloody clue who any of these people are, so what I can say is that this is definitely the first top 40 hit for everyone involved. D-Block Europe is a collective lead by someone who’s way too enthusiastic about commercials and one of the strangest “riding” metaphors this side of “Body Like a Back Road”, and this particular song, featuring a dude who I’m sure named himself after those little novelty pine tree air fresheners you stick to a car, is their first to blow up, and I’m already having Vietnam flashbacks to Big Sean’s verse on “Mercy” based off the title alone, but is the song itself good? Well, I’ve been getting into more British trap and hip-hop recently, and while I haven’t heard that much, I can confirm this is probably not the best out there at all. The synths sound like stock loops, while the “nasty” vocalist that starts off the song loses any chance at being intimidating with the high-pitched, nasal autotuned voice, and cartoonish ad-libs. If you sound like kids, which they might as well be, you’re not going to exactly going to be very effective when you threaten to shoot me and take my girl. I love the ad-libs actually, they’re so energetic and easily the best part of this song, it reminds me of Desiigner’s hype man vibe actually. I would not be able to tell the difference between each one if Lil Pino didn’t state who he was in his incredibly short verse (seriously, it’s only a pathetic two bars). This is trash, but at least it’s amateur trash and not made by a major label, and instead just a couple kids having fun. I can forgive that.

#31 – “Ruin My Life” – Zara Larsson

Not this, though, and not because it’s all that bad, but become I feel like I’ve heard it before. Zara Larsson is a Swedish singer-songwriter who has made it pretty big for herself in Europe in recent years (with only some US crossover success). This is her eighth top 40 hit in the UK, and it is just as bland and cookie-cutter as everything else she’s ever released. Larsson sounds okay (especially in the hook, where the janky rapping flow actually works with the trap drums), but the airy synths are like clouds that never rain, as it’s not like what sound like incredibly fake handclaps are making anything interesting here. The chorus doesn’t have any pay-off until after the second chorus, where in the bridge, we actually see a pretty damn nice guitar riff return from the promising intro and immediately get abandoned in favour of the nothingness that the rest of the song consists of. What a snore.

#7 – “Sunflower” (Spider-Man: Into the Spider-Verse) – Post Malone and Swae Lee

Post Malone and Swae Lee – the more versatile half of rap duo Rae Sremmurd – have got big enough to start making soundtrack hits for big budget films, and I couldn’t be happier for the both of them, Post is an immensely talented songwriter and Swae’s a great vocalist, however they clearly don’t share the same traits, because Post’s unlistenable warbling is way too present, and his whining voice is something I just can’t dig, whilst Swae makes his songs way too long and often doesn’t have any worthwhile content. I feel like they’re polar opposites in a way, so this collaboration actually got me excited, especially with how much I’ve liked Swae’s input this year (not so much Post). I’m just as excited after listening because this is a fantastic freaking song. The record scratching over those snares, making it sound like static, just makes for such an interesting contrast when compared to the plinking and beeping synths, Swae’s smooth vocals and the dark, deep horn line – seriously, that instrumental is actually beautiful, with the vocal contributions from Swae adding a fun, catchy, melody in both the hook and verse, with his childlike naivety in his dynamics being incredibly charming. Then we have Post’s grittier, more mature voice that probably works even better on this production, especially when the beat cuts and we have that ticking in the background, and it’s pretty much just that and Post. Oh, God, that part’s amazing, and it ends on such a sweet guitar line. I’m not going to mince words, this is eligible for my best list and would easily be top 3 but since I think and hope this is going to stick around, I’m saving this for 2019 when I have more to say. One of the best pop songs to break into the top 40 this year, easily.

Conclusion

Well, what do you think? Of course, Post Malone and Swae Lee get Best of the Week for “Sunflower”, with Honourable Mention going to Dua Lipa and BLACKPINK for “Kiss and Make Up”. Worst of the Week should be obvious as well, Rak-Su get it for the awful “I Want You to Freak”, and Dishonourable Mention is going to D-Block Europe and Lil Pino for “nASSty”. See ya tomorrow, I guess.

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Maybe this is a stupid question, but I'm new to this. So my fiance and I bought our first home pretty recently. Yes, I'm a bad person and did not read through or understand everything in the giant insurance book. I'm a bit confused as to how homeowner's insurance would cover belongings in the event of a theft, accident or whatever. We chose a low, $500 deductible. Let's say there was a theft. And I estimate the belongings stolen were worth $2000. What's stopping me from saying they were worth $3000? Or more? Wouldn't they want some kind of proof as to the value? I don't have the receipt for the television I bought 3 years ago, for example. I know I can ask my agent these things, but she is too overly helpful and chatters on and on and just ends up confusing me with information overload. :-)""

""What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

What's the cheapest insurance for a 17-year-old male in New Jersey? I just need something affordable.?

Is auto liability insurance mandatory in Texas?

I know it is mandatory in NYC, but not in all states. Is Texas one of the states where it is not mandatory?""

Where can I find affordable dental insurance for my father?

He is 50+, I live in Michigan,help please?? I tried looking, but no progress. I want him to get something affordable so he can have better and healthier teeth. Thank you, Jenn""

Advice on car insurance?

I recently passed my driving test and was looking for insurance. I don't know whether I will be buying my own car or see if I can share my parents car. Just wondered if anyone can ...show more

Motorcycle insurance?

Hey everyone just looking for some good places to go for my motorcycle insurance. I live in california L.A, county more east. Anyways im 27 no tickets anything for the last couple of years. i know you cant tell me a price but i was looking for places that have good deals and customer services. im just looking for liability. 2007 kawaski zzr. thanks guys.""

How much would the in insurance be on a 1985 CHEVROLET CAMARO Z28?

i just turend 16 and ill get my licenes in about 3 months and i saw a 1985 CHEVROLET CAMARO Z28 the other day that im thinking about buying and i was wondering about how much the ...show more

How does the affordable care act apply to me?

Right now, I live with my Mom and she earns about $120000 per year. I work and earn about $22000 per year.""

Regarding Health Insurance?

If I leave my employer and I have a health insurance from united healthcare for myself + my spouse. WIll it be possible that I can continue getting the insurance coverage......If Yes, how much more would I have to pay then?""

""Insurance question I need help with, any help would be great?""

I need some help here... The question is Hans sells his car to Pieter and now has no car and no need of auto insurance. Hans calls his State Farm agent to tell him to transfer his auto insurance to Pieter. The agent tells Hans: A. The transfer will not take place until that night at 12:01 AM B. That Hans will need to put Pieter on his policy as an additional driver C. That Hans must keep paying the premium until the end of the policy period. D. That he cannot transfer the policy to Pieter. E. None of the above. Im pretty sure B and C are incorrect, but otherwise I have no clue. Any help would be greatly appreciated!""

Anyone know about AAA car insurance and there uninsured motorist policy in California?

My daughters agent also mine now says she needs to pay her deductible,. I used to have farmers when the same thing happened to me ( a uninsured unlicensed driver hit her).And my deductible was waived. When I looked over the policy it doesnt say anything about a deductible. Any help would be appreciated""

""Pregnant, no insurance and make too much money for medicaid. Advice?""

I am an independent contractor and have no insurance. I am now pregnant before having a chance to get health insurance. Health insurance once pregnant is way too expensive. I make too much money for government assistance, but not enough to afford private insurance. I'm in a tough spot, and I wonder if anyone has any advice to help me finance my pregnancy.""

Help with car insurance?

Can anybody tell me the best place to go for car insurance in the UK? For a young driver just passed?

""Second speeding ticket in California, first one was more than 18 months ago?

I got my first speeding ticket about 2 years (24 months) ago. I paid the fine but didn't go to traffic school. I got my second one a few weeks ago. Will it add a point to my ...show more

""In NY, If one does not have health insurance and is in an accident, can he get coverage?""

No health insurance and there's an accident and now many medical bills, not long term and no permanent disabilities, but something that may accumulate to thousands of dollars in medical bills, is there any way that you can get (free) coverage through the Medicaid program or some other program?""

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Can drivers of the same car have different insurance companies/policies?

I just got my license in December and I'm driving my mom's car but I need car insurance under my name. We all know how expensive that is, especially for a teenage/new driver. So IF I were to find a different and cheap insurance company, can I cover her car under my name? My mom has Safeway Insurance, if that helps.""

Florida car insurance hike?

I used to have Florida auto insurance about 6 months ago. Since then I moved but wanted to return to FL. Recent inquiry for an auto quote I notice the premium has increased doubled in FL. When did this happen? And what actually happened? Just curious. Thanks.

How much is average insurance for a year on a sports bike vs a regular crusier?

Where is the cheapest place to get taxi insurance in Northern Ireland.?

I have 7 years no claims on a taxi insurance and looking to see where i can get the best deal . Cheers

""What's the cheapest insurance I can get possible? I'm 18 in California, just received my license?""

Isimply cannot afford $1000/year insurance. I dislike insurance companies anyway considering they hire peoplem to come up with EXCUSES not to give you your money (so why the hell am I paying them every year? ) So I just want the most basic EXCUSE to drive possible. Is there anyway to get insurance for like $400 a year? I've been saving up for the past 5 months to buy a car, studying for my license, and I really cannot wait any longer. I need to drive now. I live in Los angeles where it's practically impossible to get around without a car... I'm starting college and more work hours waiting isn't an option. Thank you.""

What is the cheapest car insurance place?

Does anyone know a good cheap insurance company for state minium in Tulsa, OK? I pay 150 a month now. i have tried places such as Safe auto, Farmers. etc. All those places are way to high. Im 19, drive a Saturn L300. If that helps with anything. Im looking for something Cheaper than 150. Thanks guys.""

""On average, how much does it cost to make your car completely legal in arizona?""

Im sitting here looking at cars, and in Illinois where I live it's like 266 to get plates & registration for our car on top of like 288 for car insurance. Is it alot more in arizona? How much more?""

Car insurance?

So im thinking of getting a car... but im 16 so i know insurance is gonna be insane, and im in MA so its mandatory. Anyways from what i understand it cost way less to get added to your parents policy. But can i do that if im not driving their car, but my own car i bought (not yet)? I cant buy the car in their name... has to be in mine...""

How can I get cheap insurance?

I am 19,and I am thinking about doing my theory test for my full licence,but insurance are so expensive,especially for my age. Do any of you guys know how can I get cheap insurance? Do any of you guys know of any cheap insurance companies? Thank You all""

Why do sompanies like State Farm require you to pass a credit check?

What are they looking for because I do have a few things like a medical bill here and there but nothing more than 5,000 total""

""Getting my first motorcycle, need some help picking one out with my current financial status?""

So, I'm 16, and getting a bike is basically a tradition in my family. My grandpa has been riding since he was 14, my deceased grandpa was in a biker gang called the Blue angels which was made entirely of cops, my step grandpa currently has a golden wing and has had 4-5 bikes before that. And my dad had one sport bike until he found it was inconvenient because of how tired he got after riding it [like he didn't expect it from a sport bike though, right?]. Anyways, I need help finding a bike I can afford. Seeing as it's my first bike, (and im only 16), I don't want to spend 15 grand on a bike that I'll probably end up laying down. I'm probably going to buy a used bike for under 2 grand. I'm not picky about the year and what company it was made by. But I'd prefer not to get a sport bike because of this insane insurance costs. And I'm not going to be leaving the state very often, so I don't need a touring bike. Summary; I'm leaning towards a Cruiser. And I'm not gonna be the Jack *** going 80 across the intersection while doing a wheelie, I enjoy life too much. And I've ridden a few dirt bikes before, so I have a bit of experience. Any help is appreciated for finding a bike model that I can get fairly cheap used. And I'd like something larger than 250cc, but I don't want a Ducati Monster engine... You know?""

What company has the cheapest car insurance for a teen in north carolina ?

Which car insurance company fit what I want?

Hi, I recently cancelled my car insurance from State Farm because they were over-charging on my bill. I am 19 years old, and have a new car (Honda Accord Coupe) which is a 2 door which is considered a sport's car. Because I'm a young driver, and it's a new car, and it's a sports car my insurance was off the roof. I want to find another car insurance that will have fair coverage and is affordable for me. I live in PA if that helps as well...""

Will my car insurance go down?

I've wrecked about 2 cars. and my insurance got high I would like to know if I stopped driving would my insurance go down over time?( I am currently driving a motorcycle)

""I'm looking for fullcoverage insurance that is cheap ,but i'm under 25 so what is the cheap campany around?""

Ft.worth ,bedford,euless hurst?""

""Thinking about buying individual health insurance in georgia, 22 years old?""

in the beginning of feb my dad passed away so i they dropped coverage on 2/28. i get health insurance through my employer but it isn't good. can i still apply online for individual health insurance even though i can get insurance through my employer? i plan on quitting in two months so i figure it would save me the hassle if i get individual health care now. i have asthma and need medicine regularly/monthly. i'm planning on going on vacation in the summer and then when i get back, i plan to get a job with health benefits, so i would only need insurance until then. would that be considered short term (now-august/september)? does the price differ from short term and long term health insurance? i was looking up some plans online and i was thinking of applying for this one. http://www.ehealthinsurance.com/ehi/ifp/plan-details?planKey=3002:200067&productLine=IFP&noSelectedPlan=true&ifpUIState.planDetailsBackUrl=/ifp/all-plans so what this means is that i pay 115 dollars a month and since there is no separate prescription deductible, i can buy my prescriptions which is tier 2/3 for the copay only. also there is a 2500 maximum out of pocket for my part. right? and is this a good plan for me? im 22 and dont smoke/drink and live in georgia, my only health concern is that i have asthma. can they reject my application because i have asthma and that's a pre-existing condition? and when i get a job with health benefits i can just cancel this or is there a contract that states i have to be with them for a certain amount of time? thank you very much for your time!""

Car insurance ( diabetes )?

after i get a quote online when i proceed to pay will the insurers phone me or will i after phone them as i have a 3 year medical licence and i need to let them know off my medical condition ( diabetes insulin dependant ) first time getting insurance so any info would be great

Auto insurance company wants to check my credit and past infractions.?

My auto insurance company (which i've been using for 6 months now) wants to check my credit history and past infractions in order to benefit from new lower rates i have good credit, but a couple of speeding tickets, could this actually increase my rate?""

What would car insurance be for a 17 yr old male?

I know that there's no exact answer unless I get an insurance quote but I'm just looking for a rough estimate, I get good grades and I have no tickets.""

Do you need car insurance to get your permit in New jersey?

Whats the cheapist car to run?

which car is the cheapist to run including the average price on fuel, tax, and insurance....thanks mikey maidon""

Insurance for less than 3 months?

Is it possible to get car insurance for just a few months, before i dissapear off 2 uni? Which Insurers do this?""

Can I get insurance that isn't based in my state?

I currently live in South Carolina and I'm in need of a particular surgical procedure, and my current insurance provider rules the surgery as cosmetic when in fact, an orthodontist, dentist, and an oral surgeon all suggested that surgery is a good option for me. They've all told me the same thing, however, that the surgery is difficult to get approved. So I did a bit of research and only one insurance company in the entire United States covers the procedure (That I could find). But, this insurance (Kaiser Permanente) isn't offered in my state. It is however offered in Georgia, which is relatively close. So my question is, could I switch to Kaiser Permanente if I don't live in Georgia, California, or one of their other locations? It's orthognatic surgery, in case it's relevant.""

Where to get cheap insurance for 50cc geared moped?

trying to find a insurance broker that does good deals for 16 year old drivers. trying to insure a 2003 DERBI GP 50. cheapest deal iv found so far is 370 pounds. anyone know a good insurance company that can do cheaper. thanks in advance

Explain which is better to invest in insurance or mutual funds?

https www.ltcshop.com long-term-care-insurance-instant-quote

https://www.linkedin.com/pulse/what-whole-life-insurance-policy-best-24-year-old-jose-powers/"

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usamotorscycle-blog · 8 years ago

Text

Honda Africa Twin Shootout: DCT Vs. Manual Transmission

Honda currently offers two versions of the Africa Twin, one with a standard six-speed manual transmission and clutch, and the other with an innovative Dual Clutch Transmission (DCT) that offers two auto-shift riding modes as well as a manual-shift mode. The DCT version retails for $13,999, or $700 more than the $13,299 standard Africa Twin. So which Africa Twin is better: the DCT or the manual? The DCT is not new. The concept has been incorporated into select Honda streetbike models for the past several years, first debuting on the 2010 VFR1200, but the Africa Twin marks the first time that the DCT’s mettle has been tested in a motorcycle built for use off-road as well as on the street. We’re sure it won’t be the last. Whether it’s equipped with a standard transmission or a DCT, the Africa Twin’s rumble is supplied by a fuel-injected, 998cc parallel-Twin with a bore and stroke of 92mm x 75mm, a 270-degree crankshaft and Unicam cylinder heads with four valves per cylinder. Honda claims the relatively compact engine produces 93.9 crank horsepower at 7500 rpm, and 72.3 lb.-ft. of torque at 6000 rpm. That’s believable. During dyno testing of the standard transmission model during our 2016 Wire-Wheel Adventure Shootout, the Africa Twin delivered 85.7 rear-wheel horsepower at 7600 rpm and a peak rear-wheel torque figure of 67.0 lb.-ft. at 5900 rpm.

The Africa Twin’s 998cc parallel-Twin engine is good for about 86 rear-wheel horsepower – not a lot but more than enough to get the job done on the trail and an adequate amount for use on the road. We had intended to put the two Africa Twin test samples on the dyno to see what the power and torque differences might be between the standard and DCT models, but that attempt was foiled when we threw the DCT model on first and found that it would not shift out of first gear no matter what mode we tried. The culprit? The DCT model has a front wheel speed sensor that helps to tell the DCT when to shift, and the front wheel must be spinning in order for that data to be gathered. So, no DCT dyno numbers.

Note the difference in outward appearance of the DCT cases compared to the manual transmission cases shown above. The DCT’s clutches are mounted side by side on a shaft in the transmission. Each clutch is responsible for meting power to three forward gears. But our sense both on the street and out on the trail is that there is little discernible difference in the power character of the two models. If anything, the DCT feels a little punchier from a standing start on the street, although this may have to with the fact that after you press the D button on the right switchgear, its drivetrain is already engaged when you rap the throttle, a sensation that may be slightly muted as the rider slips the clutch to come away from a standstill. Otherwise, they perform almost identically, and they feel great. The Africa Twin’s parallel-Twin is the epitome of user-friendliness, delivering excellent throttle response and perhaps the smoothest transition from bottom to top of any large-displacement Adventure bike in its class. But while the Honda engine is so linear, it’s no frou-frou scooter motor. It actually delivers a mellow dirtbike-style power feel and a surprisingly hearty exhaust note while remaining virtually vibration-free and extremely tractable. Then there is also the switchable Honda Selectable Torque Control feature, which offers three levels of traction-controlling intervention that can also be disabled completely (although you have to disable it again every time you turn the key back on). The Africa Twin’s six-speed manual transmission and cable-operated clutch shift in typical Honda fashion, “like butta.”

The majority of our testing took place in the Southern Nevada desert during AltRider’s awesome Taste of Dakar adventure ride. The goal here, however, was to determine whether the Africa Twin’s DCT transmission would be a help or a hindrance, especially when ridden in rugged off-road conditions. To guarantee the right environment, we fitted each model with Continental’s world-class TKC-80 adventure tires and then loaded them up and made the seven-hour trek to Gold Point, Nevada, to enjoy the annual AltRider Taste Of Dakar Adventure Ride. The DCT is claimed to enhance smoothness and efficiency from gear to gear by essentially engaging the next gear while the current gear is still in use. Honda says that this minimizes the power gaps that occur during shifting with a manual transmission. True to its name, the Dual Clutch Transmission features two clutches: one for off-the-line acceleration and first, third and fifth gears, and the second clutch for second, fourth and sixth gears. Honda likes to note that since clutch operation is not required, the rider is free to focus on operating the throttle and brakes. On the street and in the dirt, we found the DCT’s Drive and Sport modes to simply not fit our own performance-seeking tastes, but that doesn’t mean they don’t work as advertised. The Drive mode delivers smooth, full-auto shifting from gear to gear for the best possible fuel economy, while Sport mode holds the Africa Twin in gear longer between shifts for a sportier riding experience. Both modes also allow the rider control of the shifting via the “paddle switches.” However, switching to full manual mode allows the DCT to stay in one gear and, when directed, to shift more quickly. And, if the rider rolls off the throttle before toggling the upshift button with his index finger, the gear change feels almost the same as a manual clutch that is engaged and released.

Guest tester Scott Shaffstall split time aboard both Africa Twins at Taste of Dakar, preferring the manual transmission model to the DCT shown here. Still, dirt testing the DCT Africa Twin against the manual transmission version produced a difference of opinion among our two test riders as to which one works better. Along for the ride was independent motorcycle industry marketing and PR man Scott Shaffstall, an experienced off-road rider and certifiable sand dune freak. A self-proclaimed rider-active rider, Shaffstall had reservations about the DCT’s dirt-worthiness. “If there is one area where the DCT most notably lacked in my opinion, it was acceleration responsiveness,” Shaffstall said. “I know Mr. Rousseau will disagree, but unless you want to constantly downshift with the paddle shifters, there did seem to be a lack of power in the powerband on the DCT. More experienced riders may adjust to this easily, but novices and intermediates may face a steeper learning curve. It’s great that you can downshift on demand, but relying on the DCT to automatically upshift is something I don’t prefer.”

The manual transmission model isn’t necessarily sportier than the DCT, but old-school riders might appreciate it more. Either version is more than competent at tackling trails, fire roads and even semi-gnarly technical sections of trail. To which I responded, “Yeah, I get that, especially after I climbed on the standard-transmission model and quickly realized by the slack clutch lever how much Shaffstall had been fanning the clutch like he probably does on his personal Honda CRF250R. It just goes to show you how much dirt riders rely on the clutch, maybe to a fault, to keep their bikes moving forward without having to shift them as much.” That’s the beauty of the DCT. I can upshift and downshift with the click of a button for one corner or obstacle and then just as quickly shift back to the gear I was in before that. Sure, you can use Sport mode semi-effectively while riding off-road, but it never seems to shift exactly when you want it to because it simply cannot see the terrain that you are seeing. I think that the DCT in full manual mode makes it easier to be in the right gear for the obstacle or the terrain ahead at all times. That said, I certainly have no issues with the standard transmission model because, well, it’s standard. If there is one gripe about the DCT’s pushbutton shifter location, it is that it easy to accidentally activate the turn indicator when downshifting.

Both bikes handle similarly, although the DCT adds a slight weight penalty to the overall package. During the Taste of Dakar ride, Shaffstall claimed that there is a difference in handling between the two bikes. Granted, the DCT weighs in at 536 lbs., nine more than the manual model, but the weight distribution is about equal. The DCT places 272 lbs. (50.75%) on the front wheel and 264 lbs. (49.25%) on the rear wheel, whereas the manual transmission Africa Twin checks in at 527 lbs., with 268 lbs. (50.85%) on the front wheel and 259 lbs., (49.14%) on the rear wheel. The two versions share an identical steel semi-double cradle type with a steel rear sub-frame and 62.0-inch wheelbase. Still, in the dirt, Shaffstall had issues with the DCT’s cornering tendencies. “Overall, both models handled well in the dirt, but the manual was easier to control, even with Honda saddlebags it had on it,” he said. “The Continental TKC-80s proved their worth time and time again with good bite and minimal wheelspin. A steering stabilizer would have been useful in deep sand (maybe I wouldn’t have crashed). Call me old-fashioned, but I just like a clutch, and felt I could push the manual Africa Twin much farther and faster.”

No matter which Africa Twin you choose, you will enjoy a comfortable ride with very good suspension performance and comfy ergos whether seated or standing. I, on the other hand, saw it differently. I really noticed no difference in the way the two bikes carve or travel in a straight line. Yes, you will shift the DCT more to keep the bike in the rev range you want so immediate power is on tap, but it’s just so easy to get comfortable with that. There’s no fumbling around for the gearshift lever before putting your left leg out to stabilize yourself in a loose corner, which saves time. Both versions exhibit an excellent, well-planted cornering character, which I will agree was helped by the more aggressive Continental tires in the dirt – they really are awesome skins. Steering is far from deliberate, even for 520ish-pound Adventure bikes. They steer with precision and with minimal effort at slower speeds, and there is plenty of steering lock to keep them nimble. Beyond that, both did tend to feel just a little loose at pegged-in-top-gear speeds on fire roads, but that is to be expected when you consider the aerodynamic forces on them at that velocity. On single-track trails and two-track roads, they are a dream to ride, and I had no issues in picking my way through rocky sand washes or any sand in general. Whether you choose the DCT or the manual Africa Twin, a relatively light feel and excellent dirt handling are two of its best attributes. But there are areas where we both agreed that both Africa Twin models excel, especially the suspension and the ergonomics. The Africa Twin’s Showa suspension is plush yet controlled in the dirt, and its lack of such techno-wizardry as electronic adjustments may appeal to hard-core dirtbike riders more than some of the other techier models in its class. Adjusting the Honda’s fork is accomplished by using a good old-fashioned screwdriver on the top and bottom of the fork to set compression and rebound damping, a wrench for the fork preload and that same screwdriver for the compression and rebound adjusters on the shock. There’s also a manual preload adjuster on the shock. The suspension is easy to tune, and it works well in a variety of off-road conditions as long as you aren’t some complete psycho expert off-road rider who insists on pushing the envelope in rough terrain. On pavement, the Africa Twin offers a smooth and comfy ride.

The Africa Twin’s seat has a plush feel and excellent contours. Its sides taper to provide the rider more legroom and to help touch the ground. Seat height can be set to 33.5 inches or 34.3 inches. There is also an optional low seat for short-legged riders. Ditto for the ergos. The Africa Twin has a naturally comfortable feel about it. Its two-position adjustable seat is wide yet tapered on the edges to allow freedom of leg movement. Its 4.97-gallon fuel tank is not obtrusive, and its handlebar is well-placed, and the footpegs are wide and grippy, allowing the rider to feel at home whether seated or standing. Just the thing for long rides in the dirt or on the highway. “Both bikes are lightweight for their size and have comfortable seat and foot positions,” Shaffstall said. “Standing on the pegs for long periods of time is easy, especially with the taller windscreen (Honda offers two options).” As for the brakes, street-savvy riders might find the Africa Twin’s dual 310mm dual floating wave-shaped discs and Nissin radial four-piston calipers to be less than impressive on the street relative to some higher-end ADV bikes, but they work nicely in off-road environments and always bring the Honda to a stop safely every time. The Africa Twin also offers switchable ABS that can be disengaged to allow the rear wheel to lock, which helps experienced dirt riders to slide the Africa Twin around in the dirt. The overall feel at the brake lever and brake pedal is linear and controllable.

Dual 310mm brakes with four-piston radial calipers adorn the front of the Africa Twin models. Both the standard and DCT feature switchable ABS for the rear brake only. Braking action is linear, with solid all-around performance. Fit and finish on both Africa Twin models is excellent except for one notable exception, the saddlebags. They are keyed to the ignition, which is great, but overall the quality of the bags just doesn’t match the rest of the bike. The bags are built cheesy despite their rugged looks, and we found them hard to close at times, even when empty. We would simply opt for accessory soft bags or hard bags along with beefy tubular steel bag protectors as well. Beyond that, the minimalist design of the Africa Twin makes scrolling through the features on its digital instrument pod easy and intuitive. The instrumentation includes buttons that allow the rider to adjust the ABS and HSTC, and the DCT model also features a G mode button that reduces the pre-programmed slippage through the dual clutches for an even more aggressive, direct feel in the dirt. The instrumentation itself includes a speedometer, tachometer, fuel gauge, clock and gear-position indicator as well as a bar graph that shows what level of traction control is in play. At the end of the day, our Taste of Dakar-riding test duo could not agree which Honda Africa Twin model was better. All they could agree on was that both are excellent Adventure bikes that will take you anywhere you want to go, whether that’s down the freeway or over a mountain. There is virtually no difference between the two models when it comes to maintenance costs, says Honda. The standard transmission model will always appeal to gear bangers who feel that technology such as the DCT detracts from the motorcycle riding experience because it does something for them that they can already do themselves.

Which Africa Twin works better? It’s hard to say because both the manual and DCT versions work so damn well! On the other hand, technology-loving folks will appreciate the DCT for what it can do now and for where the technology might be applied in the future, like, say, a full-blown off-road model with DCT. Even Shaffstall showed some willingness to be open to the DCT’s future. So, DCT or standard transmission Africa Twin? Figure out who you are and take your pick. You’ll be happy with either one. 2017 Honda CRF1000L Africa Twin Specifications

DCT

Manual MSRP $13,999 $13,299 Engine Type 998cc liquid-cooled 4-stroke Unicam 8-valve parallel-Twin 998cc liquid-cooled 4-stroke Unicam 8-valve parallel-Twin Valve Train SOHC; four valves per cylinder SOHC; four valves per cylinder Bore x Stroke 92.0mm x 75.0mm 92.0mm x 75.0mm Compression Ratio 10.0:1 10.0:1 Induction PGM-FI; 44mm throttle bodies PGM-FI; 44mm throttle bodies Ignition Full transistorized ignition Full transistorized ignition Transmission Six-speed w/Dual Clutch Transmission (DCT) Six-speed w/manual clutch Final Drive 16T/42T; chain 16T/42T; chain Front Suspension Showa 45mm inverted telescopic fork; 9.06 in. travel Showa 45mm inverted telescopic fork; 9.06 in. travel Rear Suspension Pro-Link Showa shock; 8.66 in. travel Pro-Link Showa shock; 8.66 in. travel Front Brakes Twin 310mm dual hydraulic disc, Nissin radial four-piston calipers; switchable ABS Twin 310mm dual hydraulic disc, Nissin radial four-piston calipers; switchable ABS Rear Brakes 256mm single hydraulic disc, Nissin two-piston caliper; ABS 256mm single hydraulic disc, Nissin two-piston caliper; ABS Front Tire 90/90-21 90/90-21 Rear Tire 150/70R-18 150/70R-18 Rake (Caster Angle) 27º 30′ 27º 30′ Trail 113mm (4.4 in.) 113mm (4.4 in.) Seat Height Standard 34.3 in. / Low 33.5 in. Standard 34.3 in. / Low 33.5 in. Ground Clearance 9.8 in. 9.8 in. Wheelbase 62.0 in. 62.0 in. Fuel Capacity 4.97 gal. 4.97 gal. Claimed Curb Weight 534 lbs. 511 lbs Measured Weight (fully fueled) 536 lbs. 527 lbs.

The Africa Twin’s 998cc parallel-Twin engine is good for about 86 rear-wheel horsepower – not a lot but more than enough to get the job done on the trail and an adequate amount for use on the road. Note the difference in outward appearance of the DCT cases compared to the manual transmission cases shown above. The DCT’s clutches are mounted side by side on a shaft in the transmission. Each clutch is responsible for meting power to three forward gears. Dual 310mm brakes with four-piston radial calipers adorn the front of the Africa Twin models. Both the standard and DCT feature switchable ABS for the rear brake only. Braking action is linear, with solid all-around performance.

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