#i mean its right there if you read most definitions. theres no reason to exclude a group of trans people

[prettyfuckinhot]

if your feminism does not include any and all trans people, you are, by definition, a TERF. Yes, you are also a terf if you are trans yourself and exclude trans women, trans men, and nonbinary people.

[shoezuki]

This is a post on the cheating accusations around dream mostly surrounding his response video.

If you don’t want to see this or any of these posts then blacklist the tag #discourse

SO I’ve been doing a lot of digging into what dream has said in his response to Geosquare’s original video and report, which was compiled and conducted by the Minecraft Java mods on speedrun.com. 

I won’t talk about that original report in detail, but basically: the mods came to the conclusion that Dream had a 1 in 7.5 trillion chance of getting the pearl bartering rates and the blaze drop odds that he did within the 6 streams he did. As in, someone would need that luck to replicate what dream got. Therefore, he cheated. 

I’m going to put this into a sort of ‘point form’ in according to topic, attempting to put it in chronological order.

Dream’s Initial Tweets

Ok so first like. these are bad. these tweets are what he said (on twitter, excluding in the speedrunning discord) directly after the video was Uploaded to Geo’s channel. 

worth noting he did apologize later, although i wanted to talk about these two instances so i felt the need to include it. 

there’s a lot of interesting wording in the apology tweet itself too. I personally find that when he apologizes he tends to still be very subtextually angry in them with the tone, but more specifically. where he says ‘although i have reason to be upset’, that’s kinda weak and really unneeded. Alongside the ‘intense criticism’, it reads as him trying to say he’s still in the right. kind of like “im sorry i was rude even though I had reason to be rude’. Its an apology sure but he’s not saying sorry for how he really reacted; its justified to him.

Dream’s Response Video

Dream posted a response on his side channel DreamXD on the 22nd, along with the report he had a supposed astrophysicist conduct. I’m going to talk about the report separately from the video for reasons I’ll explain. 

Frankly, the video doesn’t really summarize or explain the report in a meaningful way. At most, it takes some points from it but tends to twist the numbers around, misunderstand the probability and math, and also what the report itself concludes. 

Essentially, dream’s video insists that the numbers found by the mods are wrong and therefore he didn’t cheat at all, yet the report concludes that the numbers found by the mods weren’t entirely accurate, however they’re still extremely unlikely. This is also all under the assumption that the report is entirely correct (ill say how its not next)

His first point is that only his 1.16 run (that was at 5th place two months ago, would have now been 16th) was deemed cheated. This is true; the mods have said that he isnt banned outright and theres no reason to question the legitimacy of his 1.15 runs. 

He also concludes that Geo’s statement that Dream didn’t cooperate with them, and that he deleted 1.16 mod folders, was false. This one is a little more complicated. It could more be chalked up to a miscommunication, although it’s relevant. Geosquare posted screenshots of the specific conversation they had:

Essentially it wasn’t entirely clear, i can understand how geo and the mods interpreted it in such a way. Altho April added in a quote retweet thread that dream didn’t supply the folder she asked for, so he didn’t supply everything they asked for like he states in the video

Essentially: yeah, misleading and weird on both ends. I dont think this is really anything quantifiable, although dream talked about this in the video heavily. 

Out of this though, Geo DID correct himself in the description of the mods’ video. Dream shows this in his own response, but it crops out some of what geo says. here’s from dream’s video

that Update 2 is where he corrects himself. literally why the fuck would you crop it like this and put it in the video i mean this looks so weird and genuinely doesnt provide anything. Here’s what geo actually said

Dream specifically cut it before the line where geo mentions how he said he deleted his specific 1.16 speedrun profile. This one is just so dumb to me. I’d say ‘why not include that’ but either i feel its a) so there’s no potential for people to say what he had actually said could be interpreted otherwise easily or b) doesnt want people to know he got so upset he deleted files (ego wise yknow). Again, I dont think this is definitive of anything but god. it feels scummy lmao

The Video: Incorrect Representation of His Own Report

Dream straight up doesnt present the report’s numbers properly. In fact it makes the entirety of his visuals forfeit, i.e. the gold block analogy that goes on for like 20 minutes. 

The mods said his luck was 1/7.5 trillion. Dream’s report says its 1/10 million (with the addition of 5 other streams) or 1/100 million (only the 6 streams).

I’ll only consider the 1/10 mil odds, since its all dream really brings up. but Basically; there’s not much difference between 1/10 million and 1/7.5 trillion. 

Dream says that the difference is 7.5 trillion minus 10 million, aka 7.4999 trillion. This is what his entire visual with the gold blocks is based on. This is absolutely incorrect, i cant stress that enough. 

You can’t find the difference of fractions by subtracting only the denominators. Like. this is elementary school math. it just doesnt work. 

It’d actually be calculated as: (1/10 000 000) - (1/7 500 000 000 000) = (74999/7 500 000 000 000)

If the mods are wrong, they’re only wrong by 749999/7.5 trillion. that’s literally only  0.000000099999866666667. 

Dream no doubt saw the numbers, considered 10 million vs. 7.5 trillion, and used these big numbers to hold his own point. PROBABILITY DOESNT WORK LIKE THAT. I really think he was just taking advantage of the seemingly big numbers here and wrote it out in a way that favoured him. The gold block analogy in the video played throughout the entire video practically, jokes were made on it, and he made a point of it being ‘so big the game crashed’. 

It’s just plain wrong. even so a difference in the odds doesnt prove shit. He’s downplaying his own odds that he found too. 1/10 million isnt a small number. Even though the legitimacy of that calculation is in question, it is still significant enough to proclaim he cheated. 

Some quick points before I move onto the report; these aren’t as significant in my eyes but it adds to the picture

there’s been criticism of his joking manor throughout the entire video, very specifically the Bill Nye joke. Considering he doesnt actually have a name to provide for his astrophysicist, this joke doesnt feel right

the mod he had a voice clip from (willz) even believes that he cheated and has agreed with the mod team the whole time. 

Dream never has a name for the mod who is apparently on his side (more understandable), the minecraft developer he quoted, or the astrophysicist (most damning)

Dream states that fabric is used by most speedrunners which is true, but fabric and fabric API are different; dream also had the latter installed. my knowledge of how theyre different is limited, all i really know is the API is what can enable editing of the code while fabric is more a modloader. im not entirely sure on this

Dream has said at the end of the video that all funds will go to the mod team so they can make a client that will regulate cheaters. this has been noted as feeling manipulative or like a ‘bribe’, but it definitely puts the mods in a bad position. 

either they accept it and look like they ‘gave in’ to dream and therefore acknowledge him in the right

they deny it and look selfish/taking dream’s kindness for granted

geo said they would insist it goes to a charity instead

Dream constantly disregards the mods as young, inexperienced, ‘just volunteers’ etcetcetc, despite the fact that theyre analysis has been discussed by people with confirmed PhDs without much criticism

Dream’s Report

The report itself is extremely interesting, in that it’s very questionable, but even so it doesn’t come to the conclusion that dream didn’t cheat. The tone between the video and the report is drastically different. 

This is from the “3. What are the goals of this document?” section:

It essentially says this isnt intended, from the very beginning, to completely exonerate dream of cheating. Also note that the author says the mods’ report was mostly correct. 

This is at the end of “9 Conclussions”:

It does notably say cheating isnt the only explanation, but it doesnt actually go as far to say that it’s not possible that he cheated. 

But this can be argued to not matter if we consider the validity of the report as a whole

Dream’s Report: Criticisms

Possibly the first and most known debunking of the report is by u/mfb on reddit, although there’s been much more such as this programmer criticizing the code provided at the end of the report (partially due to how the author of it stated that piglins barter 4-7 pearls, which is incorrect: it’s 4-8), Andrew Gelman, an actual statistician professor from harvard, commented on the original mods’ report as ‘impressive’ while Dream’s report is being regarded as something funny in the comments, and even analysis of dream’s behaviours and his argument by a law student

But what u/mfb posted is what i’ll focus on. Some background into the user; he’s a particle physicist, is moderator in subreddits like r/cosmology and r/astrophysics, he’s regarded as a reliable source on r/askscience and r/askreddit. Basically, multiple other people have vouched for him and before all this he had many posts in these fields. 

that’s already better than the unnamed astrophysicist. 

The post is better speaking for itself but here is a few exerpts from it;

Essentially, the report’s methods are debunked by u/mfb-, alongside that a moderator of r/statistics regarded the report as ‘nonsensical in its application of statistics’ and linked to u/mfb-’s comment. 

i’m going to end this here. Partially because severe backpain or whatever,.

but I want to say at this point its practically definitive that dream cheated, that he lied to us, and that he continues to do so. Much more could be said on his video such as his tone, intentions, the overt emphasis on the ‘biases’ of the mods. 

I havent even mentioned that the ‘astrophysicist’ themself may be a scam; they are sourced from a website that is extremely sketchy, has no names attached to it, and was created less than a year ago (with practically no traffic on it until maybe a month ago). 

But i hope this is coherent. I have interest in this so if theres questions im always open. 

[patriotsnet]

Will Republicans Take Back The House

New Post has been published on https://www.patriotsnet.com/will-republicans-take-back-the-house/

Will Republicans Take Back The House

Republicans Positive To Win Back Both Chambers

Will Republicans take back the House?

Republican Sen. Rick Scott said, “This is going to be like 2010, 2012, 2014 where we pick up seats because of Obama’s agenda.” He also added, “Now what I talk about every day is do we want open borders? No. Do we want to shut down our schools? No. Do we want men playing in women’s sports? No. Do we want to shut down the Keystone Pipeline? No. Do we want voter ID? Yes.”

He also added that the;Democratic lawmakers;and Biden Administration are on the opposite side, giving them the advantage in the upcoming midterm election.;

Big Odds For Republicans To Win Back The House Of Representatives Next Year

The internal consultation of the National Republican Congressional Committee revealed that their party has favorable conditions to retake the majority of seats in the House of Representatives in the mid-term elections to be held next year.;

Contributing to these good predictions is that voters prefer Republicans as their leaders, and the increased unfavorability of House Speaker Nancy Pelosi, according to data provided by the NRCC website on April 26.;

Even the decennial census results are on the side of a Republican triumph because the data presented by the Census Bureau show that they gained seats in the new distribution, although it is not definitive.;

Likewise, throughout the 100 days of the Biden administration at the helm of the White House, Americans have become alerted to the convenience of changing the political course.;

In this regard, NRCC spokesman Mike Berg commented in a statement, The Democrats dangerous socialist agenda is providing the perfect roadmap for Republicans to regain the majority.

Among voters most pressing considerations are the border crisis and the rampant illegal immigration that the Biden and the Democrat open border policies have fostered.;

At least 75% of voters see the border situation as a crisis or significant problem, while 23% say the border is a minor problem or not a problem at all.

Thus, 57% of voters do not believe that the CCP Virus stimulus approved by Biden is helping them and their families.

Pelosi Tells Republicans To ‘take Back’ Party From ‘extreme Right’

Nancy Pelosi has urged her Republican colleagues to “take back” their party from those at on the extreme right.

Accepting an honorary degree from Smith College in Massachusetts, the Speaker of the House said that the “country needs a big, strong Republican party” so that politicians can compete ideas for governance. Ms Pelosi urged members to prevent the party from being “a cult of personality on the extreme, extreme, extreme right”.

“This isn’t about liberal or conservative, they don’t believe in governance” she added, “Take back your party, which has done so much for the country”.

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House And Senate Odds: Final Thoughts

There is less than 1% equity on the notion that Democrats will win the House and lose the Senate, because while New Hampshire could move in a weird, contradictory manner, if Democrats win the House, the nation will be sufficiently blue that they hold all three of Nevada, Arizona, and Georgia, and they will gain Pennsylvania too.

Races are too nationalized and partisanship too entrenched for the Senate GOP to outrun a national environment blue enough to win the House, which means you can get a Democratic Congress for another term at $0.21. Its a better value than the House outright market for almost no extra risk, and thats the best kind of value.

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Poll: 78% Of Capitol Hill Staffers Believe Gop Will Take Back The House In 2022

78% of Capitol Hill staffers believe that House Republicans are on track to reclaim the house majority in 2022, according to a new poll.

Capitol Hill staffers were asked a series of questions, gauging congressional support for President Bidens agenda and individual issues such as gun control in a new Punchbowl News poll.;While responses to individual issue questions fell down partisan lines, 78% of respondents indicated they believe the GOP will control the House of Representatives after the 2022 midterm elections.

Seventy-eight percent of senior Capitol Hill aides believe the Republicans will regain the House in 2022, according to a poll from Punchbowl#RepublicanParty#HouseOfRepresentatives#Nrcc#NancyPelosi#PunchbowlNews

H24 News US

The poll surveyed 158 staffers serving as chiefs of staff, legislative directors, press secretaries and communications directors to members of the House of Representatives and the Senate. The partisan breakdown of the survey was fairly even with 80 respondents identifying as Democratic staffers and 78 respondents identifying as Republican staffers, according to Punchbowl.

Respondents also gave their predictions on which party will control the Senate, with 70% of respondents indicating their belief that Democrats will control the Senate after the 2022 midterm elections.

Punchbowls poll was conducted between May 11 and May 28.

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Democrats Odds Of Keeping The House Are Slimming Fast

The Democratic House majority emerged from the 2020 election so bruised and emaciated that experts gave it less than three years to live.

In defiance of polling and pundit expectations, Republicans netted 11 House seats in 2020, leaving Nancy Pelosis caucus perilously thin. Since World War II, the presidents party has lost an average of 27 House seats in midterm elections. If Democrats lose more than four in 2022, they will forfeit congressional control.

If the headwinds facing House Democrats have been clear since November, the preconditions for overcoming those headwinds have also been discernible: The party needed Joe Biden to stay popular, the Democratic base to stay mobilized and, above all, for Congressional Democrats to level the playing field by banning partisan redistricting.

A little over 100 days into Bidens presidency, Democrats are hitting only one of those three marks.

Historically, theres been a strong correlation between the sitting presidents approval rating and his partys midterm performance. Only twice in the last three decades has the presidents party gained seats in a midterm election; in both cases, their approval ratings exceeded 60 percent.

The party that controls the presidency tends to gets less popular as time goes on, and future declines are surprisingly correlated with first quarter polling.Many reasons that this cycle might be different, but so far public polling points to Dems getting 48% on election day.

It didnt.

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National View: Republican Resurgence In 2022 Already On The Horizon

Reading the political tea leaves 18 months in advance is as tricky as making a weather forecast for the same timeframe. But every so often, circumstances combine to increase the odds in the forecasters favor. Looking ahead to next years midterms is one of them. Because if things continue on their current course, Nov. 8, 2022, will be a very good night for Republicans around the country.

For starters, history is on the GOPs side going into the campaign. Theres a long track record of the incumbent presidents party losing seats during a midterm election. In fact, since 1934, only two presidents have enjoyed an increase in their partys numbers in the House and Senate: Franklin D. Roosevelt in 1934 and George W. Bush in 2002.

Excluding those two exceptions, losses are big for the party that occupies 1600 Pennsylvania Avenue. Especially for first-term presidents and particularly in the House. Consider Presidents Donald Trump , Barack Obama , Bill Clinton , Ronald Reagan , and Gerald Ford . All were shellacked at the ballot box, resulting in significantly fewer members of their party in the House of Representatives.

According to FiveThirtyEight, the GOP also has a turnout advantage in midterms. Under Republican presidents since 1978, the GOP has enjoyed a plus-one shift toward party identification for those who vote in midterm elections. That margin swells to plus-five under Democratic presidents.

A Zombie Republican Party Will Overwhelm Joe Biden In The 2022 Midterms

Representative Kevin McCarthy discusses if Republicans can take back the House in 2020

President Biden promised he will restore the soul of America. Hes already running out of time. The commander-in-chief is 78 and unlikely to see out more than one term in office. By the time the pandemic crisis passes mid-2021, inshallah Biden could find his administration has run out of gas before it ever really got started. A week is a long time in politics. Two years can whizz by.

For now, Biden appears to hold the aces. He has a Democratic majority in the House Of Representatives and his vice president, Kamala Harris, can cast the deciding vote in a split Senate. The economy, stimulated to its guts, is expected to roar as this year goes on. His opposition, the Republican Party, looks prone wrecked by its calamitous marriage to Donald Trump. The Republican base still hates the Republican establishment and vice versa. The infamous storming of the Capitol on 6 January, we are told, has tarnished the American right for a generation or more.

The Republican Party, for all its problems, remains the strong favourite to win the House in the 2022 midterms, possibly by a large margin, and they may even take back the Senate

Trump or no Trump, the Grand Old Party marches on. The mistake pundits make is to confuse Republicanism with a normal democratic movement. It is more like the political equivalent of the undead a zombie army that horrifies every sane voter but somehow always wins because people hate the Democrats more.

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Mcconnell: House Senate Gop Wins In 2022 Would Check Biden

Addison Mitchell McConnellHouse approves John Lewis voting rights measureThe Hills 12:30 Report Presented by AT&T Pelosis negotiates with centrists to keep Bidens agenda afloatMcConnell urges Biden to ignore Aug. 31 Afghanistan deadlineMORE on Thursday pledged that if Republicans win back control of Congress next year they could be a check against the Biden administration, forcing it into the political center.

McConnell, speaking at an event in Kentucky, said that American voters have a big decision to make in 2022, when control of both the House and Senate are up for grabs.

Do they really want a moderate administration or not? If the House and Senate were to return to Republican hands that doesnt mean nothing happens, McConnell said.

What I want you to know is if I become the majority leader again its not for stopping everything. Its for stopping the worst. Its for stopping things that fundamentally push the country into a direction that at least my party feels is not a good idea for the country, he added. And I could make sure Biden makes his promise to be a moderate.

Democrats are trying to keep their majorities in both the House, where they have a nine-seat advantage, and the Senate, which is evenly split but where they have the majority since Vice President Harris is able to break ties.

The Cook Political Report rates both the Pennsylvania and North Carolina seats as toss-ups, and Johnsons seat as lean R.

‘the Beast Is Growing’: Republicans Follow A Winning At All Costs Strategy Into The Midterms

Much remains uncertain about the midterm elections more than a year away including the congressional districts themselves, thanks to the delayed redistricting process. The Senate, meanwhile, looks like more of a toss-up.

House Democrats think voters will reward them for advancing President Joe Biden’s generally popular agenda, which involves showering infrastructure money on virtually every district in the country and sending checks directly to millions of parents. And they think voters will punish Republicans for their rhetoric about the Covid-19 pandemic and the 2020 election.

“Democrats are delivering results, bringing back the economy, getting people back to work, passing the largest middle-class tax cut in history, while Republicans are engaged in frankly violent conspiracy theory rhetoric around lies in service of Donald Trump,” said Tim Persico, executive director of the Democratic Congressional Campaign Committee.

But the challenges Democrats face are real and numerous.

They knew they would face a tough 2022 immediately after 2020, when massive, unexpected GOP gains whittled the Democratic majority to just a handful of seats.

“House Republicans are in a great position to retake the majority,” said Rep. Tom Emmer, R-Minn., who chairs the National Republican Congressional Committee, “but we are taking nothing for granted.”

His rural district had been trending Republican for years. Kind won re-election last year by just about 10,000 votes.

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Republicans Are In An Excellent Position To Weasel Their Way Back To House Control

When the Democrats took control of all three branches of the federal government following the 2020 election, they did so with the slimmest margin possible â a 50/50 split in the Senate and an 11-seat advantage in the House of Representatives, which has already slipped to a margin of just eight votes, thanks to special elections and run-offs. The first test of how well that razor-thin Democratic advantage will hold will come in 2022, and it may be decided before a single vote is cast. A new study conducted by Democratic data firm TargetSmart and published by Mother Jones found that Republican-controlled state legislatures around the country could effectively take back control of Congress simply through the shady and dubious practice of gerrymandering.

Here’s the problem that faces Democrats with the 2022 election season approaching: Despite having control of the federal government, the left has lost ground at the state level. Republicans control 61 total chambers of state governments, including holding a trifecta in 23 states. In many of these states, the party with legislative control gets to re-draw the lines for congressional districts, allowing them to create bizarre borders that serve only to set up a favorable outcome. According to TargetSmart, Republicans will have the ability to re-draw 187 congressional districts, while Democrats will only control 75.

I Ultimately Decided Against Running For Congress In A Red District But My Research Found A Way For Democrats To Make Inroads In Such Places

Political pundits seem united in their belief that Democrats will struggle to hold the House of Representatives in 2022.

The historical precedent that the party out of power in the White House always gains in the midterms and the likely impact of partisan and racial gerrymandering has fostered a consensus that Democrats will lose seats.

Theyre wrong. Democrats have the opportunity to widen the playing field in 2022 with the right candidates, a message focused on economic growth anda surprise to somea clear pro-democracy appeal designed to woo the one-quarter to one-third of Trump voters who are Liz Cheney Republicans.

My opinion is based on nearly 40 years in government and politicsbut more importantly, it is based on the last eight months that I spent actively exploring a race for Tennessees 3rd congressional district.

I recently decided for personal and professional reasons that I cannot run in 2022. But through the testing the waters process, I discovered a path to possible victory in my east Tennessee district that should be replicable in many other similar districts around the nation.

The remainder of Hamilton County, suburban and rural areas outside of Chattanooga, accounts for another one-quarter of the district population: It is Republican turf and the home to the districts five-term incumbent, Chuck Fleischmann. And half of the district vote comes from all or parts of 10 other counties, the largest being Anderson County, home to Oak Ridge National Laboratory.

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Renewable Energy And Health Care Among The Sectors That Could Get Shakeup Due To Midterms

The 2022 midterm elections are already affecting Washington, and the results could shake up sectors such as renewable energy, health care and finance.

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As Democrats in Washington work to deliver on infrastructure spending and other priorities, theyre trying to make progress in large part because of a key event thats still more than a year away.

That event is the midterm elections on Nov. 8, 2022, when Republicans will aim to take back control of the House and Senate and become a more powerful check on the priorities of President Joe Biden and his fellow Democrats.

What leaders are thinking about, particularly since we have unified party control, is that these midterm elections are inevitably a referendum on the governing party, said Sarah Binder, a senior fellow in;governance studies;at the Brookings Institution and a professor of;political science;at George Washington University in Washington, D.C.

In that sense, shrinking time coupled with What is it that Democrats want to run on? it adds pressure on Democrats to get their priorities through the door.

Time is growing short, Binder said, because party leaders often avoid making their members vote on tough issues in the same calendar year as an election, since that can hurt incumbents in tight races. Party leaders often think primarily about what they can get done in the first year of a Congress, as opposed to counting on the second year, she said.

Sectors that could win or lose

Year

[sorikkung]

omg why are you up so late you need Rest 😭

firstly i want to say i hope that didnt all come off as me tryna tell you why you should keep writing reader inserts instead of mxm fic, god no - the conversation simply got me thinking and i wanted to add my own two cents on the topic. by all means do go crazy and do what you think is best for your writing and your own enjoyment! even if you needed to put natgig on hold, i dont want to discourage you oml

you definitely don't write a total blank slate, because frankly, i straight-up do not read them SDHGJKDFJKGD i will click off a fic if the reader bores me more than the love interest captures me. it happens fairly often. i too tend to write mcs with personalities similar to mine cause its the easiest to draw from LOL but yeah if thats not how it works for you thats totally fine

that actually is a really big part of it - the audience already liking the character, or at least, the idea of the character, and thus being invested in them from their first appearance, rather than having to build that up over time. frankly, that's the main reason i read more fanfic than original content in general; my adhd is severe as fuck and its hard enough to focus on things i Am invested in, let along things that im Not (yet.) fanfic means less effort for me as a reader into processing new characters and getting a grasp of them. though, that also begs the question - are the original characters youre writing Intended to be liked? do you Want them to be liked right away? sometimes its helpful, especially when writing reader-insert romance, cause if theyre there theyre likely already in love with the character of interest, but sometimes making a character mysterious is harder to do in fic cause we already have a general idea of what theyre like, and anything outside of that could easily be read as just ooc writing. theres pros and cons, i suppose. you're right about the former being rather limiting, though.

for the record, imma just throw it out there that i Love in-depth character building of any kind so if you ever wanted help fleshing out a character you can hit up my dms anytime and id be happy to bombard you with questions abt them that could help you flesh them out. if you dont have an answer, that just means its something to think about!

yeah i also dislike y/n greatly LMFAOOO i just use "y/n fic" sometimes as a shorter way of writing self/reader-insert fic bc i am Lazy and that is a lot more letters. LOL i went through such lengths to exclude it from my latest oneshot that it actually stumped me numerous times, but i figured it out in the end. i honestly think i hate it more as a writer than a reader as well, but for different reasons - more just bc its clunky to write/looks kinda wrong?? and i associate it with the very typical fanfic "y/n" personality i despise so much, but to be fair, ive yet to have anyone refer to my mcs as y/n outside of my social media au, where y/n looks more like a username/online nickname and is less jarring to see than in prose, at least to me, to which i literally just read phonetically as yin. LMAOOO i see why it would be frustrating though, to feel as though the majority of people would only ever see the character as a stand-in for themselves and ignore any effort you put in them. which is really sad, considering i feel like 2nd person characters can be some of the most compellingly-written characters of all, with how deeply and personally you can get into their head - people brushing away all that depth honestly just feels wasteful, in a way. like theres just so much to work with there, and it just happens to be most popular in the genre were the audience wants you Not to work with it??? 😭 its hell in here.

but yeah dont worry you dont sound "incorrect" lmfao theres no right or wrong here really, and thats kinda the beauty of writing your own shit, you can just write whatever the fuck you want! so write whatever compels you, and if thats gonna be 3rd person for a bit, then knock yourself out! i cant promise i will read it as well bc frankly, i cant even read all the 2nd person stories im wanting to, but yk. if i do get around to it, i dont doubt ill be there for a fun ride <3

ok coming into ur ask box this time so we dont have to be confined to the comment limit LOL and dont apologise for rambling i Wanted to pick your brain abt this!! sdhfgjksdfk i see… misbelief about the world driving the plot forward rather than their own motivation, that actually Is a very common plot device in y/n fic now that i think abt it. whenever i try to make my mcs Intentionally vague, it's usually their appearance, or anything regarding their gender. like now that i think abt it i dont think ive ever even tried writing an mc that is vague as a character itself? bc to me, a vague character, a "blank slate", is still a character, just one that lacks any life to it. like, among the writers i like interacting with on here and typically enjoy reading most, the general consensus seems to be that most dont actually read y/n as themselves and see them as more of a vague oc anyway, even as a reader, as they don't actually have any interest in inserting Themselves into a story in the very self-inserty, projecting way y/n fic is known for, and thats why they prefer a really fleshed-out mc.

personally, as a reader i seem to be the niche in between where i Do like projecting myself into the story as a character, but i Don't like blank slate mcs - because theres nothing to project On. i project onto self-insert characters the same way i project onto fully-fleshed characters in regular media, or hell, the same way i sometimes project onto an idol's image themselves. a reader insert being in second person just kinda helps enable the projection, and of course im gonna feel More seen by projecting onto characters that are More similar to me whether that be in gender/pronouns/appearance/personality/etc, but like... i dont go into it expecting to see the Entirety of Myself, written by someone else. i go into expecting to see someone else, in their wholeness as a character, and have them written compellingly enough that i can slot myself over them because even if i wouldnt do things the same way they would, i can still understand them and get in their head enough to "be" them for a while, in a way? like, even if i dont Personally relate to them, if theyre written well enough i can relate to how theyre feeling. kind of. i dont know if this makes any sense. i guess i just like feeling like a part of the story as a reader rather than Watching a story happen, kind of like playing a story-based video game with a preset ending - i get to play out the story as if im a part of it, and im gonna enjoy it even more if the character im playing as is similar to me, but even if theyre not, it still feels like im them for the duration of that story. and playing as a character that has no lines or backstory just isnt Nearly as compelling as playing as a character with a motive. yk? like with video games a blank protag is more forgiving bc you can create your own, but thats what fic is for. thats intentional. but you dont write fic of fic to fill in the blanks like that, so those blanks needa be filled already, imo.

as a writer i like the focus to be on the relationship dynamic the reader has with any of the given love interests, and i don't know how to create a relationship dynamic between two characters when only one character has a defined personality. bc the first question i ask myself is "what are these two characters like together? how do they play off each other/whats their interactions like?" so at this point im like ok x is a snark and y is a sunshine so x teases a lot and y just eats that shit up and gives contrastingly wholesome responses. or something like that. just for a vague idea of what they look like interacting. n then when i start working on the actual Plot, the question is "what made them fall in love with each other?" and This is what i base the entirety of the plot around. i pinpoint the specific traits that theyd like in one another, then i craft the perfect situations for them to experience those traits and fall in love with them. to do that, i need traits for the love interest to fall in love with, and i need a criteria for what the mc will be looking for in the love interest, and such a criteria comes from personality. theyre such closely intertwined concepts to me that i cant separate one from the other, hence why my mc's are all closer to faceless, nameless oc's than a blank slate. the only thing making me hesitate from following melty's lead and straying directly into named oc 2nd person fiction is the fact that i as a reader do like inserting my own name as y/n lmfao on my pc i even have a browser extension that does it for me. but i can use that same extension to change an oc's name in someone elses story so its not a big deal to me as a reader, but i just wonder if there are readers similar to me but that would be thrown off by having a different name instead.

this is really long and rambly unprompted so i apologise SKDFJGSKDFK but ive been itching to get my thoughts out on the matter with all this talk abt how we approach writing mcs. i didn't realise how many longfic writers put so much effort into writing a character so intentionally vague for the purpose of making someone that "could be anybody." but then again, considering im personally alienated from 95% of the fic i read just as a non-woman polyamorous person (among so many other factors), i guess other readers are a lot more used to actually being able to see a perfect carbon copy of themselves in self inserts without having to squint too hard at the lines. huh. wonder what thats like. SKDFGJSDFKGKDF

adding the break as to not horribly flood the dash

i really like what you said about feeling like a part of the story rather than watching it. i’ve been extremely negative all night about this, but at the end of day, i obviously enjoy 2nd person pov. i would hope so, after the shit-ton i’ve read and written, and continue to read and write about it. there is something nice about stepping into the story and experiencing something in such a different way. i enjoy it as a reader, it’s a different kind of experience. it’s really neat.

to be clear, i don’t think i write a total blank-slate. like, to give myself a bit of credit i think all my mc’s have a personality for sure. relationship dynamics with people surrounding them, definitely. they’re usually headstrong and maybe a bit cocky, bc that’s what i like to read and frankly, am generally like LMAO. i by no means take out lines or subject matter bc it could be too much unlike someone reading it. but idk, i feel less inclined to spend as much time as i should creating a completely fleshed out character when i don’t even have an image for them in my head, and majority of readers are going to imagine that it’s themselves anyway (which frankly, as they should, it’s literally called reader-insert). it’s definitely not an everyone problem. like from what you said it definitely seems like reader-insert has helped you develop characters and dive into them, but i just don’t think it works the same way for me.

i’ve been thinking a lot about character building lately. fanfiction itself is one of the most helpful tools and greatest liabilities for character building. on the one-hand, you learn to bring an idea to life. you learn how to really embody a character or person, especially in rpf where you sorta can do whatever you want with no canon, but everyone has a sort of idea or interpretation anyway. but it also relies on the fact that your audience already loves the characters you are using, instead of you having to start from scratch to make them love them.

maybe that’s why my original oc’s feel flat in my personal writings. when people read “y/n” obviously they already care about them bc well, to a lot of people it is them. which is the literal point of reader insert, so i think it would be extremely stupid to discourage that. but for me it feels a bit limiting.

speaking of which, there’s this idea of “y/n” and god… GOD do i hate it.😭not reading wise, bc i understand the appeal and literally throw my name in there and have since i was a pre-teen, but writing wise. i stopped using y/n in my fics as a name holder bc i didn’t like it in there anymore and i couldn’t place why for a while, but i think it’s bc when people call my mc “y/n” it’s just like… in the end that’s all she is. i can put as much planning and shit into this character but she’s not really a character, she feels like a placeholder. at least when we refer to her as mc it’s like, she’s her own thing. she is the main character™️ but when people are like, i love your “y/n”! it’s like she’s compared on this scale of reader-inserts compared to an actual breathing complicated protagonist. it’s hard to explain and i think i’m doing a horrible job, but that’s how i feel about it.

you’re also someone who like, does not do this whatsoever, and comments and discusses the mc as an actual character which i really appreciate. bc you do also write, and i think you share perspective on that even if also inserting yourself into the story. i sorta do both too. you get it. i think this is in a lot of ways a me issue more than a collective issue, which is why it probably sounds a bit messy and maybe just incorrect lmao. but idk, the bottom line of what i’m feeling is if i really want to work on protagonist building and that’s my number one priority that i need to improve upon, why would i do it a genre where a lot of readers (and thus those giving the feedback that i try and use to improve upon) are going to often judge the mc solely on the level of relatability, imagine that it is them and thus view it as such rather than an actual character, i can’t (and shouldn’t) flesh out mannerisms / appearance, and overall just causes an extra level of struggle compared to a third person character that i can fully embody with none of these limits.

especially if i’m starting to realize how much i really like writing in third, it just seems like that is what’s probably the right path for me as a writer. i’m still going to write natgig because i love it and it allows me to do a mixture of all these things, i’m still going to write reader-insert. but if i’m working on individual character building and embodiment revolving around the protagonist, i think a necessary step for me is to redirect a lot of my energy into writing some third-person non reader-insert pov.

[monstermonii]

Am I allowed to request all of them fir the ask meme?

 For you? ... Yes!

1.) What are you wearing?

An old dark grey high school T-shirt and black gym shorts with a pink stripe.

2.) Ever been in love?

Hmmmm I’ve certainly crushed on people, but never fallen in love.

3.) Ever had a terrible break up?

No, I’ve never been in a romantic relationship before.

4.) How tall are you?

5′ 3 I’m a smol bean

5.) How much do you weigh?

Last I checked, 130 lbs.

6.) Any tattoos you want?

Not particularly. I’ve thought about it, but I’d be disowned before I could get one.

7.) Any piercings that you want?

Nope. My ears were pierced when I was little and never close. 

8.) OTP?

If I had to pick my ALL TIME otp it would have to be Lawlu

But Saigenos is a close second (third is Victuuri).

9.) Favorite show?

Of all time? Uhhhhhhhhh probably One Piece.

11.) Something you miss?

My cat that I grew up with passed away two years ago, and I still miss her dearly. I also miss not having any responsibilities dwelling on me as I type this out instead of writing my paper or getting ready for returning to college.

12.) Favorite song?

I can't decide from the entire Prince of Egypt soundtrack.

13.) How old are you

20 gregorian years.

14.) Zodiac sign?

Aquarius

15.) Hair color?

Brown, with blonde highlights.

16.) Favorite quote?

“I see now that the circumstances of one's birth are irrelevant. It is what you do with the gift of life that determines who you are” -Mewtwo

17.) Favorite singer?

Hanatan/Yurica. Her voice blows me away every song cover she does.

18.) Favorite color?

Gray

19.) Loud music or soft?

Either, I like my music intense.

20.) Where do you go when you're sad?

Anywhere where there aren't any people, usually my room. When I’m at college I’ll take a walk in the middle of the night (not safe but theres a fishbowl effect from my workplace and I just need to get away from people as far as possible).

21.) How long does it take you to shower?

20 minutes if I’m not shaving.

22.) How long does it take you to get ready in the morning?

An hour, thats including breakfast (excluding is 30 min).

23.) Ever been in a physical fight?

Ehhhhh I wouldn't call them fights. The only times I’ve hit people before was when I was younger. Slapped a guy across the face who was laying across girls’ desks and refused to get up. Also slapped a girl who said something like “What are you gonna do about it?”, and in front of my teacher too. I didn't get in trouble. In gym I kicked some guy’s ass, for reasons unknown.

I pushed a girl off her deck onto a cactus when she provoked me and said that we’re at her house so I can't do anything about her shoving me also took her unicorn. Pushed my older brother down the stairs, definitely fought with him before...... okay so maybe a few fights.

24.) Turn on(s)?

Actual power displays. Not the cocky ones telling everyone look at me! look at me! or the ones at another person’s expense, but like the one with that baseball player nonchalantly catching a flying baseball bat. That was hot. Also, tight black T-shirts, some facial hair (keep it short though). OH! Broad shoulders, love me some broad shoulders. Boobies, I’m a boobies gal. Wiping sweaty face with bottom of T-shirt, exposing midriff. The good shit HELL YES. And if you can carry me with ease thats like 20 bonus points. Crooked smiles. Matthew Mercer’s voice.

25.) Turn off(s)?

Cockiness, trying to talk to me for the sake of getting attention. Not being open to trying new foods. White people with dreads or cornrows. Those fucking pastel pants that frat boys wear. Oh my biggest turn off are white boys with those sharp blue eyes and diamond ear piercings, because 99.99% they have all the shitty qualities of cockiness that piss me off and they think they’re the epitome of hot boy qualities. Sorry now we’re getting into the types of people I’m into. Unwarranted physical contact, girls putting down other girls.

26.) The reason I joined tumblr.

iFunny’s app kept showing tumblr posts and those were my favorite pictures, so I finally decided to get an account.

27.) Fears?

Failure, letting other people down, monsters, the usual.

28.) Last thing that made you cry?

I watched that Shelter animated video again.

29.) Last time you cried

Literally last night.

30.) Meaning behind your url

They’re initials of my full name mixed around. My dad calls me “Morgie bear” so I took out my name with my new mixed name and added bear.

31.) Last book you read?

The Curious Incident of the Dog at Nighttime.

32.) Last song you listened to.

I’m listening to music right now, but that would be “Through Heaven’s Eyes”.

33.) Last show you watched?

Castlevania. I 100% recommend if you’re okay with gore, its on Netflix and its SO GOOD.

34.) Last person you talked to?

My mom. She asked me to open the garage door.

35.) The relationship between you and the person you last texted?

Madre.

36.) Favorite food?

Seafood pasta. I will eat any kind of sea food, oysters, eel, octopus, mussels, ANYTHING. I love it ALL.

37.) Place you want to visit?

Tokyo, Japan.

38.) Last place you were?

Hospital where I volunteer.

39.) Do you have a crush?

Nah.

40.) Last time you kissed someone?

I kissed my dog this morning. 

41.) Last time you were insulted and what was it?

That one Azanina person who called me toxic for joking that the week of SnB’s 13th episode belonged to Charinina

42.) What color underwear are you wearing?

Hot pink.

[skipping ones I’ve answered]

45.) Wearing any bracelets?

Nope.

46.) Last sport you played?

Swimming... which had to be 3 years ago.

47.) Last song you sang?

I don't know. I sang it and didn't even know what song it was.

48.) Last prank call you remember doing?

I wiped out most of my memory from elementary to high school.

49.) Last time you hung out with anyone?

3 days ago I took @gingerbuni to Starbucks. We went back to her house and I met her new cat, we played Overwatch. We got food. It was nice.

50.) Favorite movie?

Prince of Egypt.

[perfectionistincrisis]

Day 70

Seventy.

Life is going on. With ups and downs. Good days and bad days. Well life is mostly grey for me. 

As every day passes, i just realize more and more how much i love him. I really dont want to bluff about it but I just couldnt stop from typing it out because the realization blows my mind away. And one big reason is because I would never do what i did, or can do for him, and no one will ever mean anything even remotely close to how much he meant to me and will always mean to me. 

This might all just sound like a cheesy note any person in love would say but Oh God! trust me, this is what comes to my head after quite a good number of not-so-nice crap i have in my big fat head. So yeah! thats how i just know. This is not ever going away. And if I ever got a chance to re-live, i wouldn’t have wanted to fall in love with anyone else, orrrrrrrrrrr id just wish I was alone. That’s pretty cool tooo!! lol 

Speaking of which. Yeah. I pretty much do enjoy my own company. I just dont like communicating much with people. for a lot of reasons actually. Well, to begin with. I believe im a really complicated person. LIke, everyone has their own story and theres something twisty about everyone and bla bla but then I really do thing Im just not that easy to understand, and to top all that, I dont even like opening up to people so thats more of a reason to not get me. I am kind of aware of the fact that i seem to have a lot of ego and seem to be filled with pride and arrogance. But thats not true, thats just how some people see me, and i cant blame them because i think that is something i mask myself with. However, many people do find me really sweet and all but whatever side anyone sees, its always clear, im not really interested in getting too close with anyone and that i appreciate my own space. Sometimes, i do wonder if i really do enjoy being on my own or i actually want some good friends. But then the thing is, i have really really good friends back from high school. the only thing is, theyre not in the same country, theyre far away. but then again, even when we were all on ksa, we still mostly communicated on social media and stuff so it shouldnt matter much i guess. what im trying to say is. despite all the misunderstanding people might have with me, or people actually finding me sweet or whatever. or me not liking them much or wanting them to be my friends or whatever. the thing is, its not that i dont have anyone at all. because i do have people who know me. they dont know every little detail about me though, and thats because i dont talk much to them either. but they know me as a person. like i dont need to kiss their ass to get their attention, i can be myself with them.. i can be mean, and rude, or not keep in touch or act like im full of ego, like im so full of my shit and theyd still accept me. because they know that thats just how i am. im not sugarcoated. 

But.. it still doesnt matter

What im saying is. I prefer sitting alone on my own. doing literally nothing. no phone. no laptop. no means of communication with the outside world OVER actually chatting with anyone. or even someone who knows me so well and is close to me. 

Ok man, i talk a lot! So yeah that’s the thing! but when we were together, i wouldve done anything to not miss a chance to talk to him lol - thats just an easy way to put it out there, that he was different. 

And also putting it out there how my life is right now. I prefer my own company. I dooooo badly wish i had a ‘partner’ though - an ‘eating partner’!!!!!! haha! I really wish i could go to restaurants with someone to try food randomly. But then. idk. i mean its not that easy to find someone who has the same love for food and aso someone whos willing to spend money to try food or someone whod be able to hang out with me. especially i dont even have any good friends in ksa right now Ugh

Another really important reason i dont like talking to people much is the commitment. I hate commitment!!!!!!! And when i say commitment i dont even mean something serious like being in some relationship. i mean.. even the smallest commitment. like when you even knock someone and the person expects you to reply fast. Like okay give me a break! We dint exchange vows or something, yth do i need to reply fast. or whyd you even expect me to reply fast like idk. do people just pause their lives and just talk to other people? bleh Im not even ready for that so yeah! 

buttttttttt then again - with him. it was SO different. but like i said. it was only him!!!!

Something cool was the fact that i had a dream of him the other day. we never met each other f2f after our last conversation, so him in my dream was the first time we met f2f which wasnt actual anyways!!! But!!! I was so full of attitude. Like I could totally see my facial expressions and go like. “Oh God Youuu” to myself! Im usually full of attitude in front of other guys, if i ever am, which is kinda rare. just saying! 

So i read his post about him going to bd and stuff, and i wont even lie about how i totally never like that. but then this time its different obviously. In many ways though. One way to look at it is how i just remembered about the time when he was in bd last year! ~~~ And the award for the roughest of all times goes to!!!! 

Now comes the part were I actually give the reason why I dont blog much! Well tbh i want to blog all the time. But then!!!! Who am i kidding???? Its obviously cause I want him to read my post and blabla so yeah I dont! I mean. I really want to, but i dont. The same way. Forget blogging man. I mean. In this generation, with all these advancements and i say, no barrier at all. If we could decide like two mature adults to stop talking for nothing but good intentions then i sure as hell can keep myself from blogging about every little thing, and keep my shit together, and only blog when my mind and my heart says that i got it in my hands and im not going to screw up! 

and so that would mean that anything i post about, is just a very little, incomplete detail of the entire story and i almost always will sugarcoat it a million times and put it up here! 

but like i said - every thing just ends with me realizing how in love i am with him and as long as that is how it ends, i like it. 

So “losing weight” is like the --aim of my life-- right now. Just that its so boring oh maa gawd - and so i end up watching suits. which is soooooo niiiceeeeee omgg. And i actually love the couple there. Mike & Rachel! - oh and also its kinda funny to me idk why but whenever i see any couple onscreen that i like, my inner me kinda teases me going like “sarah, you loser!!!!!” and then i look down from the screen for a second or two like an actual loser would doo and then yeah i just “laugh it away” - like silently! ~ No hard feelings!

umm.so yeah i was saying. The main thing is losing weight and i want to lose one kg a week WHICH I AM NOT BY THE WAY. so i kind of get sad from time to time and all, and then idk get ok with it, and then sad again and alll that. and then battling myself against food is there. Today though i kind of figured out that if i watch suits while on the treadmill ill kinda stay distracted, and it wont be boring anymore and ill be able to go somewhere i guess. 

so theres around 9 weeks left for uni to open and i wish vacation never ended but yeah lets just face reality. And about my brother, 6 weeks left.   So that means I wna lose around 9 kgs before uni reopens but its smart to kind of plan a bit more than you actually want so that if you dont totally achieve your goal youll still land somewhere good. if you know what i mean. 

Now there is a lot i want to say. SO muchh. But I cant be fooling myself. It would obviously be for him only. So Ill just hold everything back in!!!!!! 

But one thing I want the world to know

Everyone has their own problems and their own imperfection and perfections and whatever. But ever since I had my eyes on him, i knew he was different. infact that is exactly why i liked him in the first place. I dont wna go in depth with this but ill just say it in the simplest way I can. 

When I was with him, yes, I did pray for a fairytale story. But not an actual one. because those dont exist. I had my own modified version of a fairytale ending. And in their, everything was not perfect. Everyone was not perfect. there was pain, there were people who didnt know what they were worth. All I ever wanted is to be the person to be ale to mend hearts, to help someone find their way out from the sufferings, to be a part of someone happiness. And even though we are not together right now. I wish the same. I just wanted it to be through me before. Now it doesnt necessarily need to be, cause it definitely will be coming from Allah both ways inshaAllah. 

I pray he gets to see what I see in him. And what people see in him. And most importantly, what he sees in himself but fails to value at times. 

P.S. My family is excluded from consideration in this post. when i talk about people, i mean everyone else except my family.  --ALSOOOOO-- I just randomly sat down at 5am and decided to blog today and so i sat with my laptops and this is all what flowed outta me! 

A totally random post! 

BUT i do wna mention how the tumblr app on my phone s.u.c.k.s. Cant give notifications properly *&^&%&^$%&%*^(0

Bye c: 

[weannoyingbouquetgalaxy-blog1]

Whats a really good health insurance for college students?

"Whats a really good health insurance for college students?

I was wondering what is a good health insurance company to get a plan with. Im a college student and im in nursing school so they want us to have health insurance in case we get hurt or exposed to anything at any of the hospitals we work at. Im not required to have it but i would like to look around and see if there is a good plan that I could afford. So in case something like that would happen i wont be paying for the required treatment completely out of my pocket. Thanks for the help.

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

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Hello i was just wondering what would happen if i lied about my age only to get car insurance because my mom is having a hard time splitting an account with me and her on it but different payments. I only wanna pay mine, and she wants to pay hers.""

Would you be in favor of health insurance plans that cost less but force you to make lifestyle changes?

I saw somewhere that an estimated 90% of diabetes, 70% of heart disease, and 60% of cancer cases are directly related to either obesity, sedentary lifestyle, tobacco use, or drinking outside of moderation. For the amount of people that whine about drug prices, insurance costs, and drug bills, 1 out of 3 americans is overweight, something like 1 in 5 americans over 50 or 60 or something are diabetic or prediabetic (each case of diabetes costs an average of $10k per year in treatment and complications), and about 1 in 3 die of heart disease. People do not take personal responsibility for themselves, and they cost society a lot of money. Would you support an insurance plan that would be lower cost, but would drop your coverage if you developed a chronic disease like diabetes or something, and failed to get your weight down to a certain goal, mange you condition, etc. or maybe COPD and maybe you would have to quit smoking within 6 months, etc etc? Would you join the plan? Is it fair?""

Most Reliable and Affordable Car Built Between 1995-2001 ?

Mercedes c-class ?

Insurance in Virginia?

If i want to work as an insurance agent , is there any license requirements in Virginia ( Auto and home insurance)?""

How much does car insurance cost for a male mid 20s in Boston?

Ill be moving there in a few weeks and need to get insured. I was wondering how much I can expect to pay every year to be insured fairly well. Thanks

Can my parents exclude me from their auto insurance?

My parents have Country auto insurance (I'm assuming Countrywide, they said the one on the commercials ) I'm 16 and I feel it's my choice whether I get my license like every other kid out there, but my parents won't let me because their rates will go up. I know some insurance company's can exclude certain people from their plans, will my parent's insurance company do that for me? I really don't want to go through the hassle of calling them going on hold explaining it correctly etc. Please let me know! Thanks.(:""

Whats the best car insurance for young drivers?

I'm 16 and about to get my license and have been looking for cars online. my parents said i can have a a mustang V6 if i can save up for it (which i can) and yes, i realize insurance can be kinda high for mustangs but read somewhere that the 1996-2000 mustangs aren't AS MUCH to insure. i was just wondering if anyone knew of what the best car insurance was for young drivers.""

17 year old 1 day insurance?

Any insurance companies do 1 day insurance for 17 year olds?

What do you mean by car insurance quotes?

What do you mean by car insurance quotes?

Whats a really good health insurance for college students?

I was wondering what is a good health insurance company to get a plan with. Im a college student and im in nursing school so they want us to have health insurance in case we get hurt or exposed to anything at any of the hospitals we work at. Im not required to have it but i would like to look around and see if there is a good plan that I could afford. So in case something like that would happen i wont be paying for the required treatment completely out of my pocket. Thanks for the help.

Why is auto insurance through Geico so cheap?

Why is auto insurance through Geico so cheap?

Cheap Auto Insurance?

I know for a 17-yr-old newly licensed female its expensive, but what auto insurance company would you recommend. I live in New York, drive '93 Ford Explorer thats in satisfactory condition.""

""Car insurance decreases, when? 26 yrs old?""

I started driving when I was 22 years old, and never had an accident. Right now, I'm 26. I pay $116/month for insurance, which I think is kinda high. The vehicle I drive is a 2006 Hyundai Eantra. Car insurance is: Erie Insurance http://www.erieinsurance.com/""

Best room insurance for a University student?

Which company provides the best deal on room insurance for students? Cheers

Car insurance running out?

My car insurance 'inception date' is the 7th of May. Can I drive my car until midnight on the 7th?

Car insurance when buying a new car?

I may be buying a new car this weekend but the renewal on my current car insurance isn't due until December - what is the usual procedure for this? Do I just call them and advise of the change of car and pay the difference? Also will my new renewal date then be in October every year? Or will I still then have to renew in December?

What will happen because my auto insurance lapsed 2 months in Virginia?

We accidentally let our car insurance lapse for 2 months in Virginia. We paid the insurance company to get coverage again. What should we do with VA DMV? What kind of fine should we expect? Should I contact them? I'm mainly concerned about avoiding a suspended license.

How much would car insurance be for a used 2006 subaru impreza 2.5i wagon or a used 2003-2004 honda civic ex

im turning 18 and im thinkin about buyin either a 2006 subaru impreza 2.5 wagon or a 2003-2004 honda civic i wanted to check how much they would cost for insurance for either one im 18 i live in california first time insured thanks very much

My bf claims if he adds my name to his car insurance he will get it loads cheaper?

is this true? i cant drive i ahvent knwon him long and his insurance is due for renewal which is over 500 quid so he says he can reduce that amount by 150 quid if he adss my name is this true and legal? i wondered why he asked for my date of birth and postcode says he just forgot

What should i expect in a auto accident and insurance settlement?

I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs. So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault. I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim. I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit. In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end. Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like...f**k""

How much would car insurance be?

When I turn 25 and my driving record is clean no speeding tickets how much do you thing car insurance would be on a 2010 camaro and I want to know car insurance on a 2005 corvette orba challenger what one would be cheaper

""I'm being low balled by an insurance claims adjuster for damage to my car, now what?

I had a claim against a guys insurance company for damage he caused. They came out today and did an evaluation and now the insurance estimator is saying that the vehicle needs to be totaled and that I will be offered some low ball figure because my car has prior damage which was only cosmetic and minor nothing structural at all. I know that the vehicle will be worth more than they are going to offer. But I just want a fair price for the car. They suggested that it might take some back and forth negotiations and I need to know how to prepare for that and succeed at getting something fair? Are there any angles or cards that I can play that should give me some leverage against their claims adjuster? Your help is appreciated and thank you for your answer!

Dad wont pay for insurance?

I went to school today to get my parking permit and I needed a couple of things including a copy of my insurance and my registration. The problem was that my name wasn't written on the insurance card but Im still insured under my dads name. I told him about it and he called the school, after that he called me and told me not to talk to the people that were in charge of giving out the permits because my name wasn't under the policy it was just that car that was under it and who ever drove it was covered. He also said that he doesn't want to pay 1400 to add me on the insurance even though he makes 6000 a mont, and the last thing i want to do is park my car in the neighborhood next to the school if i did that there would be no point in getting a car. I need help what should i do this is stressing me out!""

Is supersmartsmile insurance good?

I'm in pretty bad need of some dental care. I am looking for a good dental insurance company to go with for a year. An supersmartsmile is in the perfect price range for my low income self. Please help me here anyone with this insurance. Thanks.

Does my insurance go up after I get a ticket in someone else car? Or the owner of the car insurance goes up?

I got pulled over for speeding and the officer never asked for the insurance card. Since he didn't ask for the insurance card, does that mean my pay rate will be the same? Or can the insurance company find out by the tag number? Please inform me because this is my first time. Thanks! Also remember I was in someone else car.""

Low income health insurance?

One of my friends recently came to US from a different country. She sold whatever she had and came to US with 25000$. Recently since she was sick she had to go to emergency room for three days. The problem is she did not have any kind of health insurance. Somebody in the hospital told her that she might be eligible for special kind of low income insurance. Her salary is 900$ per month and she get some help from her brother to be able to pay for rent and living costs. Here is my question: does having 25000$ in the bank account disqualify her for this low income insurance? Do they expect that she pay nearly all these 25000$ for the cost of her visit to emergency room? She was asked to provide all the documents regarding her bank accounts, rent she pays and documents showing her income. She is living in Bay area.""

Which is the best insurance policy with low premium and high returns --- Plz suggest me?

Which is the best insurance policy with low premium and high returns --- Plz suggest me?

Do I need collision motorcycle insurance coverage on an old motorcycle?

Im looking to insure a 1997 Kawasaki Ninja 250 which was bought for $1,500 with Progressive. I would be using the bike to commute to campus and to work/internship. I was wondering how important each category is and how much coverage is recommended. -bodily/property damage -uninsured/underinsured bodily -medical payments -comprehensive -collision -uninsured property damage Also, is collision worth getting since I would probably go for a 1,000 deductable if I did get it since collision coverage is expensive. Keep in mind that I go to college in a small rural town which is pretty bike friendly.""

Cost of insurance for a Motorcycle?

I'm in Montreal Quebec. I'm 18 and wondering how much the insurance will be? I heard since I'm under 25 they will make me pay $5000 a year for insurance. Is this true? If not what is your estimate?

Drive new car on an old insurance policy?

Hi all, I have got fully comp insurance on my car, but I have just sold it. Now I have bought a new one can I drive my new car on my insurance policy without changing it and be covered third party? If the answer is yes will it cause any problems for the person I have just sold my old car to?""

""Can I be added to my moms auto insurance, and drive my own car?""

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

Auto insurance for a teen driving a 2003 Ford Mustang?

I am a 16 year old male and am looking to buy my first car. I found this really nice Mustang ($$4,000) and i think its a really good deal because it looks like its brand new. I was wondering if there are any other teens that are relatively new to driving that drove a mustang. Can you tell me how much you pay for your insurance and your age and what car?""

Do car insurance rates go down in the time you have you license even if you don't have car insurance?

I am going to be a new driver and I am wondering if I just drive my girlfriends car without getting my own insurance if when I drive and get insurance for myself in a couple of years if my rates will be lower. Thank you all for any help.

""Difference in insurance price between 2007 4DR Chevy Cobalt, and 2008 Pontiac G6 GT 4DR?""

I currently have a 2007 Cobalt LT 4DR 2.2. I'm fairly happy with the car but I want a car with a little bit more room, that's still a GM or Ford and has a little bit better get up and go. I love my low insurance rates with the cobalt how much do you think i'd go up with the g6?""

How much is a ticket for no license and no insurance?

the ticket cost in fort wayne or indiana.

Whats a really good health insurance for college students?

I was wondering what is a good health insurance company to get a plan with. Im a college student and im in nursing school so they want us to have health insurance in case we get hurt or exposed to anything at any of the hospitals we work at. Im not required to have it but i would like to look around and see if there is a good plan that I could afford. So in case something like that would happen i wont be paying for the required treatment completely out of my pocket. Thanks for the help.

Insurance company totalled my car.?

I was recently in a minor accident in which someone backed into me. Their insurance company accepted 100% of the liability. They are telling me that they are deeming it as a total loss. My question is, once they determine the actual cash value of the car, minus the salvage and give me the difference, will my title be a salvaged title? I live in Missouri and drive a 2000 Oldsmobile Alero. I couple of different people have informed me that beings my car is over 7 years old it will NOT have a salvaged title but according to the insurance company it will. Also do I get the actual cash value minus the salvage amount or do I get the repair estimate amount minus the salvage amount? The car is completely drivable and only has a minor crack in the bumper along with a puncture in the a/c condenser which I can have replaced. I want to keep the car.""

What are the best supplemental insurance companies?

I am looking for quality, honest supplemental insurance companies. I am looking for a company who has good customer service and good products. A company who does the right thing and treats their policyholders well.""

Can I buy salvage cars from insurance auctions and then resell them as-is using a seller permit in California?

I want to know if is legal to use my sellers permit to buy totaled cars or salvaged cars at auction to the resell them (as is) in ebay. would i need a dealer license if I selling more than 5 a year?

How expensive can i expect the car insurance for this car to be?

Car insurance for a 27 year old with 3 years driving experience( that i can prove xD) on a brand new Porsche Boxster S

How much commission can I make selling car and homeowners insurance?

How much commission can I make selling car and homeowners insurance?

Does driving school really decrease your insurance rate?

i heard that if u go to driving school and tell the insurance after getting ur license they'll give u a discount on insurance

How much should I be looking for to pay for car insurance?

Its a 98 ford escort with 127,000 miles and it has a salvage title""

Question about car insurance?

I know it's a broad question - but what is the average rate for car insurance for someone over 25 who is a safe driver?? Also is it possible for your car insurance to drop $100 in 6 months??

What are some affordable car insurance companies?

i have three cars and i have three teens drivers and my dad and im looking for a low cost auto insurance does anybody know any and im also trying to get full coverage

Pregnancy and disability insurance?

Hi, i am currently 7 months pregnant and found out that our short term disability insurance will only give us $800 a month for disability. I asked if I can opt out of our employers short term disability and apply for state disability and I was told no because I have been here for longer than 18 months. Is this allowed and also is there anything else i can do. I live in California.""

Cheap basic health insurance for 21 year old?

I am currently with National Health paying $408 a month for I don't know what. I've been on this insurance by my parents since before I was 18 and I just can't afford it, plus it doesn't cover me for things I need most! I have tried filling out applications but since I was not responsible for my medical records before, I have no access to dates, doctors names prescriptions names, etc. to fill out the forms. I am looking for coverage that would include generic prescriptions & annual exams. Since I don't have access of my previous medical history, I'm looking to see if there is anyone that can help me with insurance WITHOUT that information from me. I'm not sure if this is true but I've heard that some people can just pull your medical records and and see what you qualify for, so if you or anyone knows anything about this I would really appreciate your input.""

What is a good low cost health insurance plan for my family?

I am 27 and my wife is 26. I am currently a full time college student and my wife is bartending until I finish school. We have no kids but also not a lot of money. I don't mind ...show more

Rough Insurance Quotes (Guesses welcome)?

I am first in line for several used cars I'm considering. The only thing I'm worried about are insurance rates. I'm only 19 and I've had my license for less than 6 months. I will be signed on with my parents, and they are with Geico. The three cars I'm considering are a 2000 Ford Mustang, a 2004 Honda Civic and a 2001 Kia Rio. How much would you guess it would cost me a month/year to insure?""

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.""

Car insurance 15 year old with 4.0 gpa?

my son is going to turn 15 i wanted to know what it would cost and what options i have

How much would auto insurance cost if?

im about to be 15, and my dad is freaking out about car insurance prices, so how much so i expect to pay for a 2003 jeep liberty/ or honda civic? (texas) also we have geico.""

How will this traffic ticket affect my insurance premium?

I'm a secondary driver on both my parents' cars and on my dads motorcycle. Today, I was given a ticket for doing 117 in a 100kmh zone while trying to pass slow moving vehicles. Anyway, i'm 19 years old and this is my first ticket; how will this ticket from an ******* officer effect my insurance rates upon renewal?""

Is it necessary to buy rental car insurance even though i have my car insurance policy with me?

i have a car and have taken...if i take a rental car , then my auto insurance...""

Car insurance for 17 year old??!?!?

Hello, I have just looked at car insurance prices for a 17 year old male on a peugot 106 with a 1.2 engine size... and its over 5 grand!?!? Is this right or am i doing the quote things wrong? How do so many people my age have cars if they are paying this much for a bloody car!! Is there something I am missing that everyone else is doing? Or do i just happen to live with a lot of teens with rich parents?""

Cheap florida health insurance?

my wife and i want to have a child but cannot afford to pay for the complete doctors visit and all.. we do not qualify for medicaid what insurance that is affordable can we use?

What state has cheaper car insurance?

I'm in California right now and will be moving to Florida next year. Which of the two has cheaper car insurance rates?

""Muscle car, sports car insurance (old models)?""

Hi, im 14 and starting to get interested in buying a car, i want a old muscle car type like a stingray Corvette, Mustang, or Camaro, something of the type, like models 60s to 80s, i asked my dad about insurance on something like that and he said it would be expensive because of the fiber glass bodies and other things, i just wanted to see if he was right or wrong. so if someone could tell me all about that, i would appreciate it thanks!!!""

How much will my car insurance cost (please read) !?

im 18 years old,i just got my license, and i drive a 1984 toyota camry 4 door how much do you think the car insurance will cost ?""

Lack of heath insurance in Georgia?

My friend's husband got into a motorcycle accident recently and ended up going to the E.R. Problem is, they don't have health insurance because he was fired from his job. I've been told that the tax payers have to take care of the cost. Are there any consequences for him, or he just doesn't have to pay anything?? That seems crazy. Why would anyone have health insurance if thats the case?""

Insurance rates????

my insurance is way too high...I have insurance with a nationwide company....and I have to have full coverage because I'm financing the vehicle. My question is..where can I go to find some cheaper insurance? I heard that smaller companies around where you live usually offer cheaper rates? Is this true?

Whats a really good health insurance for college students?

I was wondering what is a good health insurance company to get a plan with. Im a college student and im in nursing school so they want us to have health insurance in case we get hurt or exposed to anything at any of the hospitals we work at. Im not required to have it but i would like to look around and see if there is a good plan that I could afford. So in case something like that would happen i wont be paying for the required treatment completely out of my pocket. Thanks for the help.

Car insurance?

i currently have a car and am insured fully comp on this. my partner is about to purchase me a new one but as i still own the other one i'm not sure what to do about insurance. i'm tempted to take out another policy with a diffenret company for fully comp and run them both until i sell my old one. any suggestions

Insurance for first time motorcycle driver?

I'm 16, female, & am looking at the Kawasaki Ninja 2009. I would be the primary owner, and I'm wondering whether the color of the motorcycle will affect the rate of insurance as well? Thank you!""

Car insurance deductible question?

OKay so I was rear ended on Fri thr 13th! ha! I already called my insurance company on Mon morning. Taken care of, and I can get it fixed as soon as I want (tomorrow). I'm also trying to call the other insurance company of the car that hit me so that they pay my deductible ($500). Do I need to have this done with before I take my car in? Their insurance company is a very small one and is giving me a lot of crap over the phone. Should I just call my insurance company and have them deal with it? What should I do? thanks!""

Added my newborn to my insurance after 30 days?

help ! after i had my new baby things wre so hectic for me. he had jaundice and in and out of doctors.. my toddler had dental promblems . i had post partum issues myself and by the time i called to add baby to insurance it was abt 12 days after the 30 day period . my insurance is united healthcare thru my previous employer that im currently on cobra with.. they denied adding my newborn and said they wll send me a letter so i can appeal but im afraid that wont help . any advice on what i can do .. i cant imagine nt hvng insurance for my baby..especially we just got home from the hospital yestrday bcz he has broncholitus .. so i wl be billed for that . i know i called to add him late but hopeflly there gtta be something i can do. i means its for a child i live california .. any advice on how to handle this

Am I obligated to keep homeowners insurance?

I filed a theft claim earlier this year. Now my insurance company is telling me that they will not continue my coverage due to the claim. Im going to other insurance companies and gettting quotes, but they are stating that due to the claim, they will not cover me either. So my question is if my finance company will obligate me to find coverage on my home. (1st time homebuyer)""

Will getting one speeding ticket increase my insurance bill? Will it show up at all on the bill?

I have Allstate if that matters at all..

Insurance costs for new driver in canada?

I just got my g2 and im wondering how much will insurance be for a new male driver on their own vehicle, with no collision coverage? I know it varies!!! So just give me like a general answer... BY THE WAY I UNDERSTAND THERES WEBSITES THAT WILL GIVE YOU A QUOTE! I TRIED THESE AND THEY DONT WORK! SO DONT BOTHER TELLING ME TO LOOK AT A WEBSITE LIKE THAT!! theres still going to be a wise guy who does thou...""

Do you need car insurance for this?

I want to get my car the 2014 sticker but I currently don't have insurance because I've been jobless & I just started working. I payed for the license plates on June . & I just wanted to know if not having insurance was gonna be an issue

What CAR INSURANCE should i use?

whats the cheapest? its just me im almost 19 (2 door 95 celica GT). I live in Arizona i need full coverage

How much would insurance cost for a 2010 Camaro?

My mom told me if I get a 3.0 this semester and throw in about 5,000 dollars to help then she would get me a 2010 camaro for christmas next year. She said it has to be the v6 base model. I'm 16 years old, a junior in highschool, a guy, my grades are decent, and the cars gunna be white with black stripes, not sure if that affects the price, but its gunna be automatic and my First car. I know some people think are gunna say im stupid for spending soo much on a first car but I really don't need to hear that from you. All I need to know is how much insurance is going to be since im the one paying for that with a part time job.. so what do you think is the cheapest my insurance will be?""

How much would insurance for cars be around for 18 year olds ?

How much would insurance for cars be around for 18 year olds ?

What insurance is best for women?

I don't currently have insurance, but I want to start going to a gynecologist to see why I'm not getting pregnant. The co-pays are horrendous, like $150 per visit w/o insurance! I cannot afford that every time I walk in, but I can afford about $80 a mo for insurance, but IDK what kind or which to choose that will help me through the gyno visits, and possibly a fertility specialist. If anyone knows the best route for this kind of medical attention, please provide websites or names of insurance companies that apply to this. Also, I live in a small town in GA and there are NO near-by specialists or anything as such, so I'm sure to have to travel at least an hour or more to get the help I need. No, family planning centers, no women's health centers, nothing! So if there's anyway someone could give advice for that, please do. Thanks so much.""

How does an Insurance Claim work?

How does an insurance claim work. Let's say I get up one morning walk outside and my car has been stolen? The police come out and take a report, then they leave. How long would it take insurance cover this and how much would they cover? For example, if I have a car that I'm financing that is worth $24,500.00 dollars that had full insurance coverage. Basically, how does it work? Since it's being financed, I'm sure the insurance company would pay out the remaining balanced owed on the car to satisfy the loan with the finance company but what happens to me afterwards? Lets say I have $100,000 dollars in coverage that covers me in case of theft or something like that. Being that the car was fully covered and insurance was able to pay back the loan, would they give me the money to buy a new car at equal or face value of the car that was stolen? Insurance is so friggin complicated...if someone could explain the process to me I'd appreciate it.""

Looking for cheap car insurance?

I havent done my test or anything yet but wanted to see how much a vaxhaull corsa 1998 or something was noone in my family drives and id park my car outside my front , i tried doin a quote to see how mch it would be and it came up the cheapest was 3 grand , im only 18 aswell , does somebody think im putting something in wrong or is it just really hard for me to find cheap insurance ?""

What is the average limits that you have on you auto full-coverage insurance?

I live in Chicago Illinois. The lowest limits are 20/40/15.

Who offers cheapest auto insurance for 25 year old males in la?

give insurance estimates

Cheapest car insurance for a 17 year old?

Hi i am 17 years old and have just past my test 2 days ago and i am currently trying to insure a 2003 ford fiest 1.3 lx petrol 3 door. I know it has quite a big engine (1.3) for a first car, but only has 8 valves and just creeps into insurance group 3 due to electrical equipment inside, which is nothing really. I have been looking around and i am getting ridiculous qoutes of around 5000, however i have found ikude insurance which is only 1800 but iyou have to have a box, which i would really rather not have but might have to. I would like to spend nor more than 2,500, help please????""

Insurance coverage for stolen car?

Car was stolen, then recovered, with some damage. I have comprehensive. Insurance company is sure to cover body work. Will they also check and/or compensate me for less obvious damage (i.e. the wear and tear to the car incurred from being drag-raced for several hours)? Will they compensate me for items of value stolen out of the car? How does that work?""

Im 17 and getting my liscense soon how much will car insurance be 4 me with a used car that will b in my name?

I will be getting my drives liscense soon and my parents are putting limits to where i can drive and when and i wont be able to drive it when ever i would like, how much is car insurence gonna be with me for a used car that will be in my name ?""

How much would insurance cost for a '92 ford thunderbird?

How much would insurance cost for a '92 ford thunderbird?

Insurance when buying 1st car?

How do i go about buying a car (private or dealer) without insurance to test drive it 1st, as i'll only get insurance once i know what car i will have (i live in the UK).""

What are some cars with easily tunable engines and low insurance?

i need a car that i can make faster but i don't wanna pay alot f insurance. specific models please

Should I get life insurance for my children (13 yrs & 8 yrs. old) ???

If yes, Do you know of any trusting life insurance companies that are affordable ?""

Health insurance providers in the state of ohio?

i am trying to get health insurance quotes from as many companies as i can in the state of ohio. so far i have came up with: anthem aetna united healthcare humana anyone that i am missing? thanks

What's the criteria on whether or not car insurance is high?

I'm 17, looking for my first car, and I want something that won't cost my parents a fortune on car insurance. But how can I tell if insurance is going to be high? Would 2003 Acura RSX give high insurance? I've completed a Drivers Education course too, if that counts for anything?""

Whats a really good health insurance for college students?

I was wondering what is a good health insurance company to get a plan with. Im a college student and im in nursing school so they want us to have health insurance in case we get hurt or exposed to anything at any of the hospitals we work at. Im not required to have it but i would like to look around and see if there is a good plan that I could afford. So in case something like that would happen i wont be paying for the required treatment completely out of my pocket. Thanks for the help.

https://www.linkedin.com/pulse/normal-car-insurance-cost-more-than-previous-year-even-sigrun-sharpe"