#i need a new work bag and reasonably i cant afford either of these even used but...

[keirametzbrassknuckles]

1.

(In the black, obviously, but the size of the red one)

2.

[joinmeinjoy]

Ok but think about the first time Jaskier sells his own belongings to provide for him and Geralt.

They're going through a rough spot, the first in their (admittedly brief) travels. Their shared coin has been dwindling for a while, and neither of them can seem to land jobs. Jaskier has bargained for rooms and food a couple times, in exchange for a performance, but that doesn't make them money (and its not like he can stand on the corner and do some good old fashioned busking- its been pissing down for days now, he cant ruin his clothes and get sick while they're strapped for cash). And monster contracts seemed to have dried up around this part of the continent- not that Geralt's sure he would have been paid anyway, considering the looks people keep giving him. He's been at this long enough now to know when a Witcher's not wanted. Things are getting desperate, and soon (in a day or two) they won't be able to afford basic supplies. Geralt doesn't know what to do, especially since he has someone else to look out for. If it was just him, he would carry on through the rain and bad weather until he found a contract- surely there was something nearby that needed a Witcher, he just hasn't reached it yet. But it's not just him. He has a bard now, for whatever reason. And at first, Jaskier had been rather vocal in his complaints about there being no work- endless tirades about the uncultured nature of people around these parts, that they didn't understand the price and need of good music to warm the soul. But over the last few days, he had begun to quiet, to seem more contemplative; he keeps looking at his saddle bag on Roach and twisting the silly rings on his fingers. Geralt doesn't want to know what 'great idea' he's conjuring up, still preoccupied himself with wondering where his next pay is going to come from. All he knows for certain is that they're going to be fucked soon unless he can think of something.

When they enter a new town (which looks about as abysmal as the last 3), Geralt immediately sniffs out the notice boards. He's pouring over them with such intensity that he only grunts when Jaskier mumbles something about running an errand- he's too focused on reading and re-reading the notices and warnings, thinking about where the next notice board is to really listen.

So Jaskier slips away, off into the crowd. And after a while, when Geralt has studied every noticeboard in this unremarkable town and visited a few taverns to ask about any contracts, all resulting in negative responses, Jaskier returns. He walks up to Geralt, clearly having just come from the local market scene, and slips something small but hefty into his hand. Geralt looks down to find a small pouch. A pouch of coins, judging by the sound of it. He looks back up at Jaskier, visibly confused. "Where? How?" Geralt knows Jaskier wasn't away long enough to give a performance, not that he could with the weather- he'd never bring his lute out of its case in the rain. And no tavern would have paid him this much for maybe an hour of songs- he wasn't gone even that long.

"I sold some of my jewellery," Jaskier says, bringing his hands up to show Geralt the lack of rings on his fingers. "Fetched a good price, i think." He only has one or two rings now, and he doesn't have the necklace he left with either- he must have sold that too. Geralt just stares at him, slack jawed. The Bard liked those rings- was always admiring his hands and the way they made them look, wearing them at every opportunity he got- whether that was in a court or miles deep in the middle of nowhere. "Come on Geralt, you'll catch flies like that." Jaskier jests, readjusting the straps on his lute before wandering off, turning around briefly to tell Geralt they should save the money for the next town- he's sure the prices will be better over there. Geralt looks at the pouch again, slowly putting it into his saddle bag while looking between the pouch and Jaskier. Maybe the bard wasn't as superficial and frivolous as he thought.

Geralt doesn't stop thinking about this day for a long time.

[brelione]

The Surfer And The Siren

Chapter Three:The Conspiracy Blog,The Investigation and The Shitty Sister In Law

Chapter One       Chapter Two

Warnings:Mentions of racism,homophobia

S0rry that this chapter is kind of short.The next one will be longer.

You didn't understand how you had never found out about this.The article was from 2012 by a conspiracy blog.There were dozens of photographs of you,a bright red circle showing where you was in group photos that were taken in the fifties and more from the seventies.There were a few photos of your large scales the size of quarters that had been found on coral reefs and posted on facebook with captions asking for someone to tell the finder what animal the scale belonged to.Another photo showed a photo of your fluke splashing out of the water.In some your hair had been tucked into your old red hat so the mess of blue waves wouldn't be seen.But somehow those photos had been linked to others from the bridge of your nose and the color of your skin.You kind of missed the old days before all the facial recognition technology.

You went through the photos to see paragraphs and paragraphs with quotes from the interview with Linden. “Linden Sislip,sister of poet and former pawn shop owner claims that her brother was in love with the sea monster of Outer Banks.For decades a murderous mermaid-like creature has haunted the waters and supposedly lured multiple men to painful water related deaths.Outerbanks is known as Paradise on Earth and is home to countless millionaires AKA the sea monsters preferred prey.Some think the creature has migrated elsewhere because of a string of similar deaths closer to California.What do you think?”That article had to be the most bull shit thing you had ever read.Luckily most of the comments agreed,calling the photos fake and saying the scales were that of a tuna’s.

That was pretty insulting to say the least but at least they didn't actually believe you were a serial killing sea monster.That made you feel better but knowing how much Linden hated you definitely hurt a bit.She had hated most people though.She hated the poor,people of color,lgbt+,cats and babies.What kind of sociopath hates cats and babies?You couldn't wrap your head around the fact that somehow she was raised by the same parents he was yet she ended up like that.He was ahead of his time.He was respectful and kind and he loved everyone regardless of social status,race or sexuaity.That’s what made you feel so close to him.Linden had always stared in disgust when he bought extra newspapers to bring to people who couldn't afford them or when he saved his food to bring to children whose parents worked three jobs and still couldn't pay for a decent meal.

You pitied Linden,you couldn't even imagine being that closed minded and ignorant.Things were much worse in the South for sure but you tried your best to get to people.After he had passed away Linden had forced the rest of the family to completely shut you out.You couldn't go to the funeral or even go into their home to grab things that you could remember him by.She blamed you fro his death when she should have blamed herself.It was a terrible thought because in reality there was noone to blame but he had spent so much time in his life trying to convince her to be a good person and convince her to respect people.It had been a waste of years trying to wear her down and make her good but you cant help them all.

The interview didn't really shock you that much.She had always been bitter about you and your origins bit what did shock you was the fact that she had a son in 1950.A son named Bellamy Maybank. “Shit.”You whispered under your breath.Richard waited for you to explain your shock but when you didn't say anything he grew impatient. “What?”He asked.You just nodded,trying to form words.This was real life.This wasnt some weird dream or a conspiracy.This was actually real.This article was published 8 years ago and you had never seen it.

How could you have never seen it?You wondered if Richard knew and had hid it from you but that couldnt be.He knew just as little as you did. “You were right...but theres a time gap.How good are you at investigating?”You asked.A wide smile came across his mature,wrinkly face. “Are you forgetting about how I sunk Ward Cameron’s boat and completely trashed his plans in like...two hours?”He asked.You laughed quietly.Richard had always been so proud of that. “God,how could I forget?”You grinned,looking back up at the TV. “So what do you need me to find out?Make me a list in my notes app.You know which one the notes app is,right?”He teased.You rolled your eyes,opening the app and making a new note.

Close the time gap (after 50-now)

Learn about JJ,Pope,Kiara and the other one.

Check up on Ward’s plans

It had been a hot minute since you had Richard investigate someone.Last time had been nearly 20 years ago.Turns out Ward Cameron was hunting you down in attempt to kidnap and sell you.he was a fucked up son of a trout and you would most definitely say that to his face if given  the chance.You placed the phone down,looking back up at the tv.The main character was threatening a rude looking blonde boy with terrible fashion sense. “Could we drive around for a while?”You asked.He nodded,standing up from his chair.His feet were sore but he always pulled through for you.You two went back out to his car.He turned on your favorite CD that belonged to Billie Eilish.So much had changed since just a few years ago.Someone like Billie would absolutely be an outcast back when you were her age.

Something about the way that cars moved made you happy.It was strange to see the world shifting around you.How poor people rode horses and the rich had cars and how the tables had turned.You had seen so many wars and so many deaths yet you had watched multiple births.You watched segregation end and witnessed people of all races and ethnicities get the right to vote.You had seen the day that the lgbt community finally got rights.And you had helped with it all.You had experienced the life of the poor and of the filthy rich and you were only a quarter through your life.You had been a friend to Marilyn Monroe and saw the day that JFK was assassinated.You had seen so much that no one else had experienced.

You had heard so many old folks complain about the music of today and how it had been so much better back in their day but you could not disagree more.There was no reason to bash the modern ones music.All music is good music except for country music,of course.Richard drove through figure 8 so you could gaze at all the houses.It was quite disgusting that there were only an average of three people living in huge mansions with six bedrooms that they didn't need yet there were families of eight suffering in tiny houses made for three people maximum.The rich were greedy,bitter and overall selfish and annoying.

The poor were generous and grateful for everything they did have and were more likely to be kind and understanding.It was really just a sad place but you didn't want to go anywhere else.A lot of other areas had water that was far too polluted but definitely had better people and a better atmosphere on land.It didn't really matter how great the land was when you could only see it once a month anyways.Plus OBX had a great cave system and pretty nice weather.Richard turned his car,going back to The Cut.If you were to live anywhere in Outer Banks it would most definitely be The Cut.It had an all around better atmosphere,friendlier people and better hiding spots. “So how are the naiads?Have you heard from them?”He asked,purposefully driving slowly.You sighed,turning down the radio. 

“Not really,the only river entrance got blocked off by a ton of fallen branches.I haven't gotten any calls from them though so thats good.Its not that I don't like them or anything but they're just….god,they're so annoying.”You leaned back in your chair.He chuckled. “Does Esmerelda still have a crush on you?”He asked,turning down the dirt road.You nodded. “She’s just….she’s cute but she’s annoying,you know?”You asked.He nodded. “That ones always been kinda strange in the head.”He agreed.Once you got back to the house the sky was lightening up which meant you had such little time.You sat in the backyard in one of the camping chairs with your paper bag in your hand and the drawstring bag hanging off your shoulders.Blue sat with his head on your knee,staring up at you with his big shiny eyes.

He knew the drill by now,his drool making a dark puddle on your jeans as he whined for attention before you had to leave again.Richard had tried to bring the dog out to see you before but it never worked out.Blue got eager and excited and walked to fast for Richard and it wasn't safe for a dog to walk along rough and bumpy rocks.It wasn't exactly safe for an elderly man either but it sucks to suck.You stared up at the sky,wiggling your toes while you still could.As the sun began to come up over the horizon a similar aching pain spread from your heels to your thighs,your body feeling heavy. “I’ll see you next week,(Y/N).”Richard stood up to hug you.You hugged him back,tears pricking at your eyes.

Blue pawed at you,licking your jeans.You kissed his forehead lightly before limping down to the water.You dragged yourself into the water,collapsing when you were at your knees.Your legs tingled,your head slipping under the water as your legs knit together in a painful mess.From below your hips your tail grew,your hair falling in your face as all evidence that you had been human left you.Your hend clenched the deteriorating paper bag as you swished your fins,gaining control over your body again.The sun was now reflecting off the water,nearly blinding you.You ducked under the water,going deeper and deeper.

If you’d like to be added to the taglist comment a smiley face

@milamaybank @drewswannabegirl @teamnick @unmotivatedwritings  @danicarosaline @sexualparkour  @asaks6082 @mac-daddy-210 @prejudic3 @n1ghtsh4d3-67

[wisherbysharlight]

YOOOOOOO MY FREN........ THAT TROPEY BEACH AU IS GIVING ME L I F E RIGHY NOW!!!!! id love to hear some of the other LAMP scenes you mentioned...... as well as any angst you didn't include............ 👀

HELLO NEW FREN HERES 1.5k WORDS OF CREATIVITWINS BEACH AU ANGST WITH BONUS EPILOGUE TO SOFTEN THE BLOW

Tw for not exactly abusive parenting? Just kinda toxic. -Roman has known since he was 3 that his parents expected a lot from him Sit up straight and be polite and be nice to Mommy and Daddy's friends and we'll let you play on the beach later 

  -Remus always had the same expectations, but to a lesser degree. Roman was already the Golden Child after all, an 'heir and a spare' and all that nonsense But if Roman was good, then they got to go to the beach, and Remus liked the beach too, so he put up with being Slightly Worse so his brother would look even better 

   -Their roles solidified when Roman woke up to Remus sitting straight up in bed, white as a sheet, and turning to him with haunted eyes. Remus couldn't talk, that night. But his parents did take him to talk to a really nice lady named Ms. Picani((yes i AM making emile a legacy therapist)) who taught him that many people are subjected to nasty thoughts but that doesn't mean they were bad 

Their parents called him imaginative. Remus felt like it sounded like a curse next to when they called Roman creative

-So Remus and Roman both wore a mask. Roman pretended to give a shit about meetings and mergers and getting a law degree and taking over for his parents. Remus pretended it didn't hurt when they told him he could be "whatever he wanted" but laughed when he said CEO

Remus didn't think his parents even know the dichotomy they created. Roman was bitterly sure that they did. They clung closer to each other, spending every spare hour out on the water, their surfing prowess unquestionably on the same level and keeping them from turning on each other

-Remus quietly helped Roman stay awake in school when he stayed out all night sitting and waiting for the perfect waves to catch. Roman quietly fed Remus the information he learned when their dad had him sit in on "man to man" chats with other leaders.

-When they turn 14 they both tell their parents in no uncertain terms that they will absolutely be working at uncle Thomas' restaurant like Remy did when he turned 14, thank you very much. Their parents think it's a good lesson in responsibility. The twins think its a great reason to get out of the damn house.

-They drag their friends along with them. Virgil becomes a junior lifeguard with a passion Roman had yet to see in him, watching over everyone like a hawk. Logan gets to read under an umbrella. Patton is charming as hell as a bus boy and he and the twins quickly become waiters despite technically being too young(they just can't carry the alcohol for two years)

-There's still stuffy dinners that alternate with nights alone just the two of them in the house as their parents jet set around the world, but now they have somewhere to be every single day Thomas Actively encourages them to use the private beach for surfing when they have time off, and they love it because they can just grab their boards on their lunch breaks and go

-It is out on these lunch break surf and chats that a plan falls into place, as it normally does, when Remus just says the first thing that comes to his mind Roman knows what he wants now, and so does Remus, and who better to get it than the Creativitwins(coined by Patton, LOVED by the twins)

-By the time the Main Timeline happens(when they're all 18) the brothers have Solidified the plan 

They've both enrolled at the same elite school(much to their parent's condescending surprise, seeing as how Remus' grades are actually better than Roman's), both majoring in business, but they swap majors without telling their parents. Remus takes Entrepreneurship and Business Analytics, and minors in pre-law, and Roman takes Management.

-Roman knows, deep down, that once the jig is up he might lose all the money they put away for him. So, when he sees that there's an amateur competition on the island with enough prize money to get them both through at least a few semesters of school he leaps at it

-He trains Non Stop. He hasn't told LAM about the plan and they get super duper concerned about him 

-Thomas and Roman end up in a screaming match because Roman is clearly not sleeping and when Remus can't get through to him he sends Thomas and tells Roman he’ll handle their parents

This is when it comes out that Thomas is living Roman's dream that he feels he doesn't deserve, feels like he's failed as the Golden Child and hasn't earned the right to go after what he truly wants

At the Same Time Remus has shown up in Roman's place to a Very Important Dinner because he knows its just time to let the cat out of the bag. His father pulls him aside and tells him that he cannot afford any "outbursts" and that this is a "very serious meeting". Remus gives a sickly sweet grin and goes in anyway, smoothly makes rounds to say hello to all the customers who come to the resort and is joking and laughing with three of them within 15 minutes. His father is so taken aback he actually doesn't hear one of his other colleagues ask if he's alright.

Janus shows up to back him up about 30 minutes in and Remus brings him around to introduce, and the two of them charm the pants off of the few people they hadn't met yet, forcing the Twin's parents to confront their own biases against their son. Roman turns his phone off so he won't see his father calling. Him Remy and Thomas are having a disney marathon, anyway

-Roman doesnt go home til morning. When he gets there, both his parents are sitting at the table with Remus. They all have tears in their eyes and look like theyve been there all night. He'd gotten the text from Janus when he turned his phone on, knew that it had gone well, or he'd be genuinely concerned. The first thing his father says is, "We're sorry"

They have a discussion, and it feels a little bit like the business discussions he always sits in on, slightly stiff and with everyone still not really comfortable with each other, but at the end his mother hugs him for the first time in what feels like years and tells him she's proud that he worked so hard towards what he really wanted, and that he reminds her of herself at his age trying to break into the business world, and he cant truthfully say that isn't the best thing he's ever heard in his life

-Their parents arent perfect. Remus will say something slightly off kilter and they will visibly wince before they can correct themselves. Their mother will still attempt to baby Remus and put Roman on a pedestal. Their father will still turn to Roman for his opinion before Remus. They both pitch a fit when Roman insists on transferring to a local school to save money. But there's progress made.

-And on the day of the competition, Thomas comes up to Roman when he stops by the restaurant to get Luck with a key on a lanyard that says "Thomas Sanders Beach Emporium - Surf and Swim Shop". He'd purchased the small surf shop next to the resort from a local who'd wanted to move inland. 

"Ro, I know you still want to go to college and that's fine. But know you are the only one I want running this, even if I have to wait." 

Roman bursts into tears IMMEDIATELY and Patton has to hug him for like a full 20 minutes to calm him down

-And then, as we all know, THEY WIN THE COMPETITION. And they don't need the money for college anymore, so they take it and give it all directly to Thomas for the shop, and the twins own it together but Roman runs it while Remus is off being one half of the Ultimate Power Couple on the mainlaind

And Now That You’ve Survived the Angst Train, here’s EPILOGUE

-Roman takes over the surf shop as soon as he graduates, of course. 

-Patton becomes a Divemaster/Ocean Archeaologist and gets to spend all his time in the water 

-Logan becomes an Oceanographer who creates super detailed and beautiful diagrams 

-Virgil becomes a marine biologist specializing in rescue and release and they buy a house across the street from the restaurant

-Remy takes over the restaurant and Emile opens a practice right on the island and Remile live in the apartment above the restaurant

-Dukeceit move inland towards the city so Remus can get his MBA and Janus can have some Night Noise and Janus gets his law degree and they are a Power Couple 

But they always take at least a month where they are either off or working remotely and rent a house on the same block as Remile and LAMP and surf and hang out at the restaurant and beach and relive that One Summer Of Pure Happiness and Freedom

[darcydisaster]

♛ → YOU CANT WAKE UP, THIS IS NOT A DREAM.

⌠ margaret qualley, 22, female, she/her ⌡ welcome back to gallagher academy, darcy tate! according to their records, they’re a second year, specializing in undecided; and they did not go to a spy prep high school. when i see them walking around in the halls, i usually see a flash of (secret transactions made on street corners, knowing eyes that are frozen with ice, a stack of unopened birthday cards). when it’s the (scorpio)’s birthday on 10/31/1997, they always request funnel cake from the school’s chefs. looks like they’re well on their way to graduation. ⌿ 

tw ; teenage pregnancy, addiction, drugs, violence

♛ → HISTORY

elliot tate had been an addict since he was nineteen. serena tate gave birth to her first child at age sixteen. their parents refused to support them given their difference in age, vices, and unwillingness to change. nothing got easier for them, either.

darcy was their fourth child. one that they couldn’t afford. the couple begged serena’s sister to take in the babe. they wanted her to raised the child as her own and wanted no contact with her. they knew it would be too hard. she eventually consented and before darcy had even reached her first birthday, she was shipped to dublin to live with her aunt. 

while darcy knew that aunt phyllis did her best to be a loving guardian, she also made it no secret that darcy had not been wanted. there had been many passive aggressive comments through the years about how much easier her life would be without having to take care of darcy.

at the age of thirteen, darcy had all she could take of her aunt’s behavior. she stole her aunt’s mason jar of savings as well as most of her jewelry to pawn. darcy bought a plane ticket for the soonest flight to new york. 

she’d taken her parents address from a date book that aunt phyllis thought was well hidden. there had been warnings throughout the years about what sort of people her parents had been- about why they couldn’t care for her. darcy thought that it would be different now that she was older and could take care of herself.

when she got to their house, it was worse than anything she’d ever imagined. it was a lovely suburban home on the outskirts of the city. it was a nice neighborhood. when she walked in, she was shocked to see that there were two children younger than her at the kitchen table with the rest of the family she’d never known.

they tried to explain that being forced to give her up is what pushed elliot to get sober and for serena to go to school for a career, but darcy wouldn’t hear any of it. all she knew was that her parents had only given up one child, and instead of coming for her when things got better, they just had two replacements instead.

that’s how darcy started living on the streets of new york city as a teenager. she was a smart girl and learned how to hustle enough money to eat rather quickly. the problem was that she was still sleeping in hobo village. darcy needed to be making enough to live.

before long, she got an in on a dealing game. her age kept her inconspicuous and her wits kept her an asset. darcy turned over more merchandise with less arrests than anyone else on the payroll.

one day years down the line, she was working down an alley to oversee a truck getting unloaded into the safe house when a gunshot down the alley caught her attention. she ordered her crew to keep going, but pulled her own gun and headed toward the noise. if it were a rival, they needed to be dealt with immediately.

instead, darcy came on the sight of a middle-aged woman with a gun to the back of her head. the man holding the piece didn’t look like your typical thug. he was wearing a tailored suit. in a short fight, darcy managed to disarm and incapacitate the man. the woman she saved thanked her, but said she was more impressed with her ingenuity and fearlessness. 

it turned out that the woman was an administrator for an exclusive school in virginia. she offered darcy a ‘scholarship’ there on the spot. darcy decided to take advantage of it. 

she was definitely behind in terms of academics. darcy hadn’t attended a formal school since she was thirteen years old. she worked hard to try and catch up, but it took a lot of extra work. she is still a year behind most people her age in standard curriculum. however, she excels at what gallagher girls are best at- espionage. darcy’s goal is to use her skills to one day be able to outwit the rest of her peers as she continues to move up the ladder in a crime syndicate. afterall, what had playing by the rules ever done for her?

♛ → PERSONALITY

darcy has learned not to rely on anyone but herself and her own cunning in order to survive. her experiences of being unwanted had hardened her to most everything. she is not trusting at all and is usually coming up with a way to be three steps ahead of everyone she comes in contact with, whether she likes them or not. she is apathetic to sentimental things. she has no desire to fall in love or even make lasting friendships while studying. darcy is determined and ambitious. her humor is biting and her attention to detail is superb. she does, however, struggle with her own addiction problems that she does her best to keep hidden. that being said, she is a very arrogant person. darcy has done everything for herself and so she has no reason to doubt herself. 

♛ → HEADCANONS

there are few vices that darcy hasn’t fallen prey to at least once or twice in her life. while she is partial to drinking and cannabis, darcy just likes to live in the haze so long as she’s not working. however, there is no chance in hell that a needle will ever prick her skin. she is adamant about that.

darcy has a bit of an irish accent. it was never a very strong accent as her aunt sounded straight out of jersey, and it’s faded significantly over the years. however, it’s still a detectable lilt in her speech. it becomes even more apparent when she’s near someone else with the accent or when she get legitimately mad.

she is embarrassed about being so far behind in her academics. darcy started the academy with a middle school education under her belt. she is smart, read whatever she could get her hands on while struggling in the streets, and had a natural inclination for numbers. but she hates when she’s asked a question in class that she doesn’t know the answer to. her worst subject is history.

weapons were a daily part of darcy’s life for years now. even before she attended gallagher’s, she had extensive experience with knives, guns, explosives, and a few more obscure weapons that had been procured for her. to this day, she is one of the best marksmen on campus. 

darcy has a pet cat called pi. the kitten crawled into her bag three years ago while she was working. darcy loves that animal more than any other living creature on this planet. she was absolutely kill for him. 

[ninzied]

another kind of goodbye

for @carry-the-sky. happy birthday, my friend! have a little post-cancellation kastle fic.

It’s three months, give or take, when Frank lets himself think about her again. Really think about her. Not in the passing kind of way, where he’s walking down some street and sees a bouquet of gardenias, like the kind he’d almost gotten her instead of the roses that day. Or when he’s sipping on coffee, and Karen’s face flashes like a mirage at him across the cheap Formica table – blonde hair almost white under the shit diner lighting, but those eyes still so blue as she told him he would never lie to her.

So – okay, so he thinks about her. He thinks about her.

(He wonders if she—)

Frank eventually makes his way back to the city again, after. Another day, another job. Madani thinks he’s meant for something greater than this – than picking off these scum-of-the-earth kinds of assholes that litter the streets of a place like New York.

He can’t believe that he was meant for greater, but. Sometimes, he does wonder. If a part of him – whatever part of him that’s not still buried deep down in the ground with his family – was meant to come back here. To walk these streets and feel the pull of her, always, even when that’s all he can afford to feel.

He tells himself that has to be enough.

He’s been laying low, since his return. Coughed up some cash for a three-hundred-square-footer in Brooklyn, but he crosses the bridge to the city most days, maybe even finds his way to Hell’s Kitchen from time to time too. It’s risky, he knows. If Murdock catches wind of him, they’d be lucky to walk away from each other in one piece. And Karen…

There’d be a different kind of hell to pay, if Karen ever found out.

His phone gives a single buzz in his pocket as he’s hunkering his way down 47th, and he stops in his tracks, nearly colliding with an elderly woman in the middle of the sidewalk.

“Excuse me!” she says in a shrill voice, bag clutched tight to her chest.

“Apologies, ma’am,” he nods as she makes a show of putting as much distance between them as possible, and then he fishes his phone out, hesitating for one absurd moment before glancing down at the screen.

Back in town yet, Castle?

He barks out a laugh. Chrissakes, Madani.

His phone buzzes again.

I have a job for you, if you’re still interested.

“Still,” mutters Frank, with a scoffing shake of his head. He thinks he admires her perseverance, but Madani’s gotta know she’s only wasting her breath.

He cuts south down 10th, toward Lincoln Tunnel. It’s a brisk day, and the wind on his face feels sharper than usual, considering he hasn’t bled much there in a while. He jams his hands deeper into his pockets, ignoring the insistent drone of Madani’s follow-up call.

He’s got a date with a park bench on the wrong side of town, and if he closes his eyes, he can pretend it’s the same bridge overlooking the water, and when he opens them again Karen’ll be there, waiting for him.

…

His closest call comes with, of all people, the lawyer. Not Red – the other one. Franklin Nelson.

Frank’s emerging with coffee two storefronts down just as another door opens, and he’s cursing himself for not seeing the signs when out tumbles Nelson with his back turned, adjusting his tie against the wind.

“Foggy bear, wait!” someone else is laughing, and a blonde lady steps out to chase after him, slinging a purse over her shoulder and reaching with her other hand to link around his elbow.

“I told him this was gonna make me late for work,” grumbles Nelson, but without any heat to the words. “Dad’s surprise party isn’t until tomorrow, don’t know why this couldn’t have waited – oh, crap, I forgot I told Karen I’d pick up some coffee—”

Nelson’s about-facing sharply, girlfriend following closely behind. He doesn’t appear to notice Frank crouched down in a corner by the 7-Eleven, hood obscuring half his face as he trains his eyes on the ground by their feet. The girl unearths some coins from her bag as they pass, clinking them onto the lid of Frank’s coffee cup without seeming to hear his low mutter of thanks.

He’s leapt up the moment he hears the door latch shut, brushing the coins into his palm as he goes.

He leaves them with a guy camped out by the train stop, a dog lifting her head from their blankets to blink sleepy eyes up at Frank, and he walks away harder, takes the steps two at a time and wishes – God he wishes—

…

Another text from Madani.

He shuts his phone off. Goes back to retrieve it ten seconds later from the trash can that he’d dumped it in, wiping it down and scowling as her message pops up on the screen.

Castle – offer still stands, FYI.

“You should call her back,” advises a man huddled down by the newsstands next to him. His face is like leather, worn down and weathered with age, with living. “Apologize for whatever it is that you did, so you don’t end up out here like me.”

“Already there,” Frank tells him, turning the phone over and over in his hand. Madani’s message lights up again each time, flashing and flashing until he sees it like a burn through his retinas even when the phone’s no longer facing him.

“Damn. That’s a damn shame.” The guy shifts, scratching at a spot on his back. “Maybe shouldn’t’ve stayed away from her for so long.”

Frank shakes his head, uttering a short, incredulous laugh. “Well, maybe I got my reasons, yeah? You think about that?”

“Doesn’t matter what I think,” shrugs the guy. “Does she think they’re any good? These reasons of yours?”

Frank turns away, jaw working furiously.

“Yeah.” The guy shouldn’t have any right to sound as smug as he does, and yet. “Yeah, I didn’t think so.”

…

He’s got no place in coming here. He knows it. He knows it, but he thinks it was always meant to be this way, him circling back around to her, even after everything that he’s done to push her away. Maybe a part of him had never left. And the rest is just – there, hovering right at the edge of some sharp realization, that he could try to be whole again if he simply took that first step. And a part of Karen must at least sense that. It’s why she’d never really given up on him, before.

It doesn’t change how I feel about you.

Frank wonders if she’d forgive him this time. If he’d even want her to.

It wouldn’t be anything close to what he deserves, that’s for goddamn sure.

He gazes up at her fire escape, counts the number of steps it would take just to be able to reach that bottom rung from his vantage point across the street. Her shades are drawn, the lines of them blurred out in the dim orange light. On one corner of the windowsill, wedged up against the glass, there’s a small stack of books. On the other, a vase. From this angle, the shadows folded into the fabric of her curtains look almost like flower stems.

Frank squints, and the stems disappear.

…

There’s about a week in between, where he feels himself inching closer to something, each time he drops by her block. He never goes farther than the patch of sidewalk across from her building, but it’s getting harder not to just careen over the ledge.

More than anything, he wishes he knew, in those moments obscured in half-darkness, whether he’s come to look for that after she’d spoke of, or if he’s come to say goodbye.

Then, one day he spots flowers in her window, for the first time since—

(They’re pale white against the cream of her curtains, their stems dark slivers of green, and he imagines them pricking the pad of his thumb, drawing up a spot of blood.)

Frank takes a deep breath.

…

She doesn’t look surprised to see him when she opens the door, swinging it back two-thirds of the way before stopping. Her lips are pressed tightly together, like there’s too much to say, or maybe there’s things that she can’t, either way he can’t read her and he thinks she’s never terrified him more.

Frank drops his gaze, mouth moving soundlessly until the words grind their way out. “How’d you know I was here, Karen?”

He’s not sure what kind of answer he’s expecting. That Nelson had grown a real pair of eyes, or that Red had managed to ferret him out of his lurking somehow. Or maybe Karen really just hadn’t known at all, and those flowers were never for him.

What Karen says instead is, “Dinah and I grab a beer together, sometimes.”

“That right?” he asks, trying to lay out an image of this in his mind. It sits strangely there, stumping him for a moment, and some of his bewilderment must show on his face because Karen’s mouth almost turns up in a smile before flattening again.

She leans away from the doorjamb, waving her hand in a worn-looking gesture before letting it drop to her side. “Besides, you…haven’t exactly been subtle, in your haunting of Hell’s Kitchen.”

He doesn’t know what to say to that, other than a gruff, “’S’what dead men do, Karen,” as she folds her arms and sighs at him.

“You sure you’re not just losing your touch, Frank?” She steps into the doorway, whether to move closer to him or to block him out of her apartment, he can’t tell. “Or was it because you wanted me to know but couldn’t tell me to my face?”

His eyes snap up to hers, twitching slightly under the sharp weight of her gaze. He shakes his head, wishing he could just ask her, What do you want from me, Karen? but they’re long past that now, and if he can’t find his own way to answer her, then.

God, he really doesn’t deserve this woman.

“I think I—” He shifts his body and tries again. “I think I needed to figure some things out. Karen. I was waiting 'til I felt like I was ready, and I don’t think I’ll ever be that.” But I’m here, he wants to say, but I’m here.

“Yeah.” Karen’s nodding, hair falling into her face, and she brushes it back, resting her chin in her palm for a moment. “I know that, Frank.” All of the fight in her seems to have ebbed slowly back, and he resists the urge to reach out and shake the storm back into motion, to make her understand she doesn’t get to let him off the hook so easy.

The look she gives him now is softer, but he knows. Fight’s not done. May never be done. And he knows this because he knows he’ll never stop fighting for her.

She’s stepped back into the door, letting it swing open further. She doesn’t invite him in, but she’s quirked an eyebrow up at him, biting her lip with another deep sigh and a shake of her head.

“You, uh.” Frank glances back and forth at their surroundings, doesn’t quite meet her eye. Tries to lighten his tone through the gruffness as he asks her, “So, you wanted to see me?”

Her voice is soft, forbearing, with a hint of gentle knowing behind it. “You didn’t?”

She’s holding back the clear start of a smile from him this time, and Frank. Christ. It’s taking everything in him not to step toward her, to—

Karen tilts her chin at him, the motion loosening another wave of blonde hair, and he can’t remember anymore why he was trying so hard to stand back from all this. He’s moving, swaying forward until she’s just an arm’s length away, and there’s something almost teasing about the way she relaxes her shoulder into the door as she watches him.

“You back to kill some people, Frank?”

He feels a corner of his mouth turn up. This girl. He licks his lips, lets out a quiet sort of laugh. “That was the plan, yeah.”

Karen gazes up at him, unblinking. “Have you?”

“I was—” Frank has to look away for a moment, finally turning back when he can. His eyes are steady, boring into hers, voice low and full with meaning. “I was. Working on it.”

Karen nods. Doesn’t speak for long seconds, and he measures them out in heartbeats, chest tightening hard enough it feels like it might break when she asks him, very carefully, “Still?”

Frank steps closer, close enough to feel the way her breath shakes with a small sigh, how her body moves away from the door to meet him.

His hand is inches from hers, but he doesn’t reach for her. Not yet.

She waits, gaze searching. He gives the barest shake of his head, and a single word, gravel-filled, a promise. “No.”

Something cracks open in her expression, and it means everything to him, her head ducking away as though she can’t have him looking too closely at the way she's biting back that smile of hers, and he thinks – he thinks he wants to make her do it again, and again, for as long as she will have him.

“Would you like to come in, Frank?”

He takes her hand in his this time, feeling the pull of her as he steps across the threshold, door shutting firmly behind them, and it feels like coming home.

[artificialqueens]

Our Very Own Love Story chapter one - Branjie

AN:Hi guys, this story is inspired by a local tv show I used to watch as a kid about kids who got adopted at an older age I hope you like it!! please feel free to tell me what you think about it in the comment down below <3!!

Back in 2012 :

Brooke Lynn just graduated law school where she moved to New York where she got an offer both her and her only best friend Nina at one of the best law firms in New York.

Brooke didn’t have many friends and actually she even never had a girlfriend, yes she slept with girls but nothing was serious. Her biggest fear in life was commitment, she never believed in love as she says ‘you can’t love just one person or be attracted only to them’

After a week of hard work she finally finished unpacking and decided to hit a close by gym studio to reward herself for settling in before starting to work, she took her gym bag and her ballet shoe and headed outside the door.

She was greeted by a young, very young girl with brown hair and white skin color she actually was shocked to see her working here since she looked like she was 14 or 15. “Hello, welcome to Alyssa’s studio how may I help you?” The girl asked while smiling.

“um- i would like to book a private studio for an hour, preferably if it has barre” Brooke answered her while Looking into her eyes she sees pain, hurt yet she is still smiling “Sure thing, let me check if there are any available studios at the moment.” she was about to leave the reception when another elder woman came by “Hey Alyssa, is there any available classes with barre for private booking?” the young girl asked Alyssa the owner of the gym “Yes doll the last on the left” after that we finished the paperwork for booking the studio and she showed walked me to the studio “Miss Brooke Lynn, if you need anything you can call me my name is Kimberly but you can call me Kim, just like Kim Kardashian” I laughed nodding my head and thanking her “Can you just tell me when my time is up?” I asked her explaining that I often forget the time while working out and she just nodded her head and excused herself.

After what felt like a long time I was doing a turn when my eyes caught Kim looking at me fully awed and when she noticed me stopping she blushed and clapped her hands “ I’m sorry I came to tell you that have five minutes left but I couldn’t stop you. You were amazing miss Brooke! I never saw anyone dancing ballet that good not just ballet I never saw anyone dancing that good! You were amazing really-” she stopped suddenly blushing and looking down

“ oh sorry I must annoying it’s just that I always loved ballet since I was a kid- not like I’m old now but I always loved it and this is my first time seeing someone dance in pointe shoes so perfectly ” and out of know where Brooke suggested something she never thought she will ever say and that will change her life forever “ I could teach you couple of things if you want. I used to teach in DC to pay rent ” Brooke knew that was a lie she just felt like she wants to know the girl “Oh no I can’t afford it but thank you for offering ” Kim heart broke as she knew she will never be able to afford it

Brooke felt bad for not explaining to the young girl that she wants to teach her for free “ I don’t want you to pay me Kim I saw it in your eyes how much you really loved it and I want to teach you cause I really have nothing else to do since I just moved to New York and I don’t know anyone here ” and in that moment Brooke swore that she just saw the biggest smile ever “Oh my god thank you miss Brooke Lynn so much that means a lot to me, thank you ” and she ran to hug her and the shocking thing is that Brooke hugged her back

“Call me Brooke and we start tomorrow ”

—-

After two weeks while Brooke and Nina were taking their lunch break at work she started talking about Kim to her

“Brooke I never knew you had the heart to be patient with anyone specially teenagers”

“ I don’t know Nina I just feel bad for the girl she looks really young like young enough to be your daughter young and yet she works every day and every time I saw her she looks sad, I swear there is something wrong in her life and I just want to make sure she is alright”

“Brooke not all parents are horrible” Nina said clearly feeling that the reason Brooke feels bad for the girl is because she rememberd her past with her father. Don’t get me wrong Brooke loves her mother more than anything but her step father used to abuse her and her mother but her mom loved him so much to say anything that by the time she turned 16 she started living with her sister to save her self from dying or worst in her step father’s hand.

“ I know but what if she really needs help Nina? She is only 14 ” she explained to Nina and after few minutes they went back to finishing their work.

——

Around 5:30 I entered the gym and I saw Alyssa at the desk and Brooke knew there was something wrong going on “Where is Kim?” she asked and Alyssa teared up “ I need to tell you something - ” Brooke started to panic and hot tears streaming down her face as “Girl don’t freak out she is not dead” Brooke finally felt like she could breath again “What the fuck is going on then?” she asked Alyssa

“ I know you really care about her that’s the only reason I’m telling you-”

“Get to the point Alyssa” Brooke was so impatient at the moment

“ Kimmy’s parents died when she was really young maybe around seven years ago, and the child services took her at first tell her aunt decided to take care of her and the first two years where great but her aunt became addicted to drugs and alcohol and sometime she would come with a bruise or something that’s why I let her work here in hope that she will be away from her as much as she can” at this moment both of them were tearing up.

Alyssa really cared for Kim she knew her since she was a kid since she was her daughter Plastique friend, and Brooke was crying because the story sounded familiar“ I tried everything I can to help her go to the police department and file a report but she kept refusing. Told her she will be better in a foster home or with other relatives but she kept saying she was ok-” and in that moment Plastique came running toward us “mom I just called Kim to ask her where she is and I don’t think she is okay, she told me she cant breath and she thinks she is going to die” Plastique crying so hard that we barley could hear what she was saying “I swear to god if her aunt did something again I will kill her with my bare hand” as we all stood up “Do you know where she lives?” I asked Alyssa and Plastique as Alyssa nodded her head

“Yes they live at her parents house, its ten minute walk so we better head there, plastique watch the place for me will you? Monet will com-”

“My car is outside ten minutes is way too much time and hurry up or I’ll leave you” Brooke told her as she heard Alyssa mutter “bitch where will you go you don’t know where she lives” but she couldn’t say it loudly knowing Brooke was fuming by now.

The drive to Kim’s house was fast to the point that Alyssa prayed to god that she doesn’t die and leave her daughters on earth alone.

“that’s the house” Alyssa told Brooke and in no time Brooke knocked on the door so hard that her fingers turned red “Kim sweetie open the door”, after what felt like a minute a drunk woman with red dyed hair and makeup smeared all over her face opened the door “w-who the fuck a-are you?” Brooke assumed this is her aunt cause from Alyssa’s descriptions that must be her a drunk irresponsible human “Where is Kim?” Brooke asked her “in her room she is punished so you can’t see her” she said while lighting up a cigarette and to her shock Brooke grabbed the cigarette before throwing it to the floor “listen to me bitch you either move or I’m going to call the police and trust me you don’t want that” soon she moved and we went to see.

When they entered her room she was on her bed crying , bruises on her neck and cheek she came toward us where Brooke was shocked that Kim came running to her ,and not Alyssa and after what felt like minutes of both of them on the floor hugging each other and crying.

“Save me” was the first thing Kim said

“ I will, I promise.” was all Brooke could say

—-

Seven years later Brooke became a name partner in her company, she was the best lawyer in New York for sure, where huge companies would fight to have her to represent them.

“Guess who just won their case that was suppose to be yours but gave it to me last minute? ” Nina came bursting through the door where my assistant Blair came running to apologize but I smiled toward her signaling that it was okay.

“Thank you, Nina, I owe you ” I told Nina as I stood up and went to hug her

“Yes but you still owe me one” Nina told her and she took a seat

“yes, anything,” Brooke told her as she started to type an email for her client telling them they won the case. “Monet knows a girl who she says will be your perfect match” Nina told her with a pleading look begging her to say yes.

“Ugh, not again Nina? How many dates did you set me up with that girlfriend of yours?” Brooke said completely bothered by the subject.

“ I know I know, but this is one of Monet good friends she swears she is the best match for you and you owe me one bitch so you are going right after work ” she said while pecking up the phone to asking Blair to bring her coffee

“ I can’t after work I have plans after work” Brooke answered completely lying

“No you don’t I asked Blair if you have any meetings and she said no, and I know you don’t have friends besides me”

“Well, you forgot the most important one to ask -”

“Kim is taking me shopping since she says ‘My clothes are ugly that even a grandma wont buy them ’ such a bully” Nina said pretending to be upset and Brooke laughed imaging the way Kim would say that “Well she learned to bully from the best” I told her as she took a sip from her coffee while thanking Blair before she left the office

“Brooke please just this date and I won’t annoy you with another one for the rest of the year. I swear you would love Vanessa she is just perfect for you ”

—

After a couple of hours, Brooke arrived the restaurant saying that the table was booked under the name ‘Nina’ where the waiter led her to the table as she took a seat waiting for this Vanessa to arrive as she finished a couple of emails

Thirty minutes later Brooke called Nina angry thinking this Vanessa lady stood her up

“Hi, you must be Brooke Lynn ” a rough yet beautiful voice spoke and Brooke raised her head to see the prettiest human she ever saw standing there in a red right dress and a perfect chocolate brown hair and brown eyes. Brooke was quick to hang up the phone and to stand up greeting the Vanessa which she didn’t realize how tiny she was till she stood up

“Yes, and you must be Vanessa” she shook her hand and as she was to pull the chair for her the waiter was faster to do his job.

“ I’m sorry the uber took forever to arrive my apartment ” she said while taking off her jacket revealing her off-shoulder dress that was hugging her boobs tightly and showing a tattoo on her chest that looked like a cat

“Oh its okay really just finished couple of emails so I don’t have to read them half a sleep at midnight ” Brooke told her and the moment she spoke she wanted to kick her self for sounding like a lifeless thirty-two years old woman that would finish her emails at on a Friday night

“If you are willing to finish your emails before sleeping you must really love your job, by the way, what is your job?” Vanessa asked her while taking a sip of the wine she just ordered

“ I’m a lawyer at some law firm uptown -” acting like she is not the new CEO of the law firm “- what about you?” she asked and for the first time she was really curious about her date, she wanted to know everything about Vanessa from her favorite color to what she drinks at Starbucks

“ I’m a local designer just started my business a year ago ” Vanessa started talking about her designs and why she preferred to work with leather and not lace and Brooke was just staring at her, admiring her.

“That’s impressive Vanessa finishing your collection in two weeks! I don’t think I can sew socks in two weeks, not even a month ” Brooke told her impressed about the story she just told her while blushing Vanessa thanked her.

After what an hour which felt like minutes for the ladies Vanessa asked Brooke “what does K stand for?” Brooke looked confused for a second and Vanessa spoke again “Your necklace I mean I noticed a ‘’K’ letter on that pretty neck of yours ” oh.

“Oh that. It stands for Kimberly my daughter’s name” Brooke explained to her touching the necklace on her neck

“Oh I have a son too! His name is Riley and he is the cutest dog ever-” Brooke couldn’t help but laugh “Vanessa Kim is a real human ” and Vanessa looked surprised, Brooke was afraid she scared her by now “how old is she? She must be real cute like her mommy ” she said and brooke felt relieved that the first woman she wanted to be in a relationship with her wasn’t scared of the fact that she has a kid- not techniquly hers but still

“I adopted her at age 14 she is 20 now and I wish we look like each other but she doesn’t look anything like me ” Usually when Brooke goes on and someone asks her about Kim she feels like this is a very private subject that she never want to speak about to strangers but with Vanessa it felt different like she could trust her with her own life

“You are really sweet Brooke” as they stood up going to the door before and as the valet brought Brookes car while she insisted on dropping her off instead of ordering an Uber.

The car ride was full of laughter and funny stories tell the moment we stood at Vanessa’s doorsteps I looked at her perfect eyes and went to brush her cheeks as she closed her eyes.

“Vanessa” I spoke

“Hmm”

“Can I kiss you?”

“You better be kissing in in 5 seco-” after that kiss Brooke knew that this was the best kiss she had and will ever have.

[earthling-liya-blog]

little things we can do for the environment

a/n ok before anything GURL there are a lot of links tagged bc i didn’t rly expect this to be a long post and some will be further explained in a separate post ! maglilink naman aq pag nagawa na may edit button naman HAHAHAHA but ya this is a bit taglish but mostly english kase conyo tayo chz but yaaaaa

i would say disregard any grammatical errors or flaws but i like comments and criticisms. this isnt formal writing at all kase this was rushed kase naexcite ako,,,,, ayun ok i shld stop talking leTS GET DIS BREAD

nowadays, a lot of people have been inventing machines that help in saving the planet but the easiest and most simple thing that have a huge impact on our environment is following the 3R’s.

 REDUCE

here is a list of things on what you should reduce

1.      single-use plastic consumption

this is the most obvious material we should refrain from buying. i know it’s tempting but don’t buy that candy, or that water bottle. as they say:

 if you don’t buy crap from companies they’ll stop making crap.

 think about it, that candy you’ll buy comes with a plastic food packaging. that plastic’s purpose is to cover the candy from anything that can contaminate it, but once the candy is opened he plastic no longer has purpose and will be thrown away on the trash can. that piece of plastic was used once but will LAST FOR DECADES, and in those decades the plastic will go through a lot of.. things. y’know like…

other than plastic interrupting the food chain, we can literally kill all animals with the plastic bags choking them or filling up their stomachs with plastic. we’ve all seen the turtle with a straw stuck inside its nose.

truly heartbreaking. this video started a petition to ban straws, but please STRAWS ARE NOT THE ONLY PLASTIC PRODUCT HARMING MARINE LIFE.

 here are videos that prove so:

Plastic Ocean | https://www.youtube.com/watch?v=ju_2NuK5O-E

Plastic is killing marine wildlife | #OceanRescue | https://www.youtube.com/watch?v=zhksqkC6WV0

See How It Feels to Be an Ocean Animal Stuck in a Plastic Bag | National Geographic |  https://www.youtube.com/watch?v=yaDx-WJAsaE

 now you can say “I don’t litter so how am I harming these animals? I throw my trash properly.” but no, buying from companies that produce plastic makes YOU part of the problem. 

the plastic you throw away “properly” adds into the landfill. as i’ve mentioned before, plastic lasts for decades. if we don’t reduce our plastic consumption, we will soon have a mountain of plastics. less plastic u buy, less plastic is produced.

 next time you buy from the mall, don’t tempt yourself from buying beverages and/or foods that come with plastic food packaging. if possible, bring your own food containers and a reusable tote bag or don’t buy at all. quit saying “it’s just one time” a lot of people say that everyday and see what problem we’re facing now? overproduction and overconsumption of plastic asshole. say no to single-use plastic !

2.      printing

this one’s new to me and im sure most of you are as shocked as i am. i always thought it was only because we were wasting so much paper by printing documents and other things that don’t really mean anything (tama na pagprint ng pix ng kras niyo mga burnok), but we keep buying cartridges.

here’s a tip: use recycled paper and reuse toner cartridges. I got that here https://www.colorado.edu/ecenter/zero-waste/reduce/paper-and-printer-waste. it says here that it costs wayyy less money cause duh reusing and reducing??? lam mo na yan mag-isip ka chz

 3.      electronics/appliances anything that consumes electricity

this one. this is something that’s hard for many of us to reduce and i admit im one of those who have a hard time letting go of their phone and uses the light the whole night.

 PHONE: for iphone users like me (weird flex but ok), apple produces a new model every now and then and it makes a lot of apple users buy the newest model. don’t be like them no matter how much money u have that u want to flex (money cant help you survive when earth is dying sis) also, iphones don’t really last a looong time for many users since it’s kinda breakable and well it slows down after a while lmao

my tip is buy what you think will last for a long time (coming from me eh) for you and if you want, try buying secondhand phones. for phones you broke that you piled up in a box (yep i do that), you can replace some parts of it that broke it or give it to recycling centers. According to the University of Colorado Boulder, phones have metals that can still be “reused and salvaged such as aluminum, gold, silver, copper and iron.” NEVER THROW AWAY PHONES OR ANYTHING ALIKE ! “The circuit boards contain arsenic, lead, mercury, and other toxins. The batteries contain heavy metals that are lethal to the land. Many of the chemicals in cell phones have the potential to be released into the air when burned and can create air pollution.” (Second Wave Recycling, 2013) This means that the phone you’ll throw away will intoxicate the landfill. just think about insects flying around and possibly animals eating garbage 

4.      water

do i even have to explain myself? hm maybe.

shower with a partner shower together

jk but seriously, save water. take shorter showers and please refrain from using the heater. here’s an article to further elaborate https://slate.com/technology/2009/10/exactly-how-bad-should-i-feel-about-taking-hot-showers.html

5.      fast fashion

oh you have no idea how much shopping can affect the environment. i didn’t know before either. but not only is the environment affected but also who work for companies that sell fast fashion.

a.      people have been treating clothes as disposables. clothes that don’t fit the trend nowadays either get thrown away or just stay in the corner of a cabinet.

b.      theyre cheap. and by cheap, i mean CHEAP. most of fast fashion clothing don’t last long that they end up in the landfill. even if you donate/sell it, chances are they’ll be rejected due to poor quality.

c.      “. . most garments (especially fast fashion ones) are made with inexpensive, petroleum-based fibers that don’t easily decompose (such as polyester, nylon, and acrylic), they’re going to be taking up landfill space for decades to come.” (Wood, K.) As Cline points out;

“people generally recycle plastic bottles or avoid buying them in the first place, but people are pretty okay with buying lots of plastic clothing”

next time you think of buying from forever 21 or zara, think about it. they are simply made NOT to last. think about the exploited workers, the products you could’ve gotten for a cheaper price if they were made locally, and the effect on the environment. do you really want to support companies that only gives a fuck about their sales?

read more in these articles: 8 Reasons to Rethink Fast Fashion| https://www.lifehack.org/articles/money/8-reasons-rethink-fast-fashion.html

Fast Fashion Is the Second Dirtiest Industry in the World, Next to Big Oil | https://www.ecowatch.com/fast-fashion-is-the-second-dirtiest-industry-in-the-world-next-to-big--1882083445.html

6.      meat and dairy

as a meat-lover myself, this was the hardest thing to do. im basically a carnivore since i hate veggies but i do eat a lotta ass fruits so no need to judge sis. but yeah this is so important yet so hard.

if you can, only buy products that are vegan. it doesn’t necessarily have to be food if it’s too difficult for you to let go. you can also have a #meatlessmonday or not eat meat 1-2 days a week.

this post is long enough so here’s an article to help u: https://www.theguardian.com/environment/2018/may/31/avoiding-meat-and-dairy-is-single-biggest-way-to-reduce-your-impact-on-earth

7.      waste

all in all, reduce waste. avoid throwing away literally anything. aim for a zero waste lifestyle and i can give tips in my next post on how you can reduce waste.

 REUSE

this is soooo hard to do. trust me, i would know BUT it is doable by an average person so shut the f*ck up and use that ugly reusable water bottle your aunt gave you. i don’t care how rich you are and how you can afford a lot more, but what does it matter if they wont be used much and be thrown away when it gets old?

avoid throwing things away and think about how it can still be useful to you or someone else. not everything useless to you is useless to everyone. let someone else find purpose for it or repurpose it yourself.

donate, not discard. choose reusable, not disposable.

  RECYLE

1.      plastic

this is the most important thing we have to do now especially with plastic. now note that not all plastic can be recycled. it’s important to know what type of plastic can be recycled and what shouldn’t

 so as it states, 1&2 are recyclable which is what you would see on a water bottle. it means you should throw your plastic bottles in the recycling bin. here are things you should avoid and things you should recycle

BUT OK BEFORE YOU DO THROW THAT BOTTLE IN THE RECYCLING BIN JUST A QUICK NOTE

PLEASE REMOVE THE PLASTIC LABEL AND DO A QUICK RINSE ON THE BOTTLE! IT LITERALLY TAKES A FEW SECONDS OF YOUR TIME.

bottles that still have the label on are considered trash and are thrown away instead of being recycled. if u ask “why don’t they just take off the label? it takes a few seconds as u said” well dipshit they have more bottles to worry about so if i were you i wouldn’t be lazy piece of shit and take off the label.

bottles that contained sugar drinks should have a quick rinse & make sure there is no left over ! not rinsed = trash. do i have to go scientific and geeky as to why they should be rinsed? i think not lmao

for the plastic i find that can no longer be recycled (ex. shopping bags, food packaging, small pieces of plastic i see lying on the ground), i put them in an ecobrick which i will explain in my next post.

2.      paper

paper can also be recycled. collect all those newspapers, cardboard, cereal boxes, failed quiz papers, rejected thesis papers and notes from your ex-boyfriend. all of them. don’t throw them away, or worse burn them. papers can still be given another chance at life by being remade. all of the papers should not be mixed with any plastic or wax coating.

TRIVIA: Recycling one ton of old paper saves 17 trees; 2 barrels of oil (enough to run an average car for 1,260 miles); 4,100 kilowatts of energy (enough power for the average home for 6 months); 3.2 cubic yards of landfill space; 7,000 gallons of wate; and 60 pounds of air pollution. 

 3.      glass materials

products that are packed in glass glass jars and bottles like RC or your local nata de coco jar are recyclable as well although i’d prefer to reuse them.  

TRIVIA: Recycling one glass bottle saves enough electricity to light a 60-watt bulb for four hours. 

4. books

no. i don’t mean sell it to the junkshop but if u want to, go for it. although there are a lot of people who’d rather secondhand books than new ones so sell/donate your old books to those in need !

5. clothes

i’ve mentioned this before already but i’ll say it again. buy secondhand clothes. theyre not gross and you wont look like those typical katip pipol that all wear the same shoes and/or polo shirts charet. you’ll even help save the planet.

  *note: it is still better to reduce than recycle so still avoid buying plastic and lessen use of paper. but, you do gain money from selling paper and plastic so start collecting your friends’ and family’s junk.

by doing the 3R’s, you can save energy and natural resources and help prevent environmental issues coming from the landfill and pollution. not only are you helping save the environment but you’re also saving money by reducing your purchase, reusing what you already have and promoting recycling.

a/n ulet this is my first post and i’ll be sure to post more tips and help raise awareness. my writing may have flaws and i accept any criticisms to improve ! help me be better and to save the environment:)

 check out another article related to this one:

http://www.irondequoit.org/community/green-initatives/16-community/125-why-should-i-reduce-reuse-or-recycle

[understandingchaoss]

Im confused how youre able to afford to travel so much? I would love to but I cant afford it. Do you have any tips ?

Hi anon! I actually have a list full of pointers!!

First of all, in the long run, I think the fact that I’m able to travel like I do, comes down to the fact that my motivation is Europe. I HAVE to go. There’s something inside of me that can’t stay here and keep seeing the same stuff over and over again. Europe looks NOTHING like the states, and the culture is what I absolutely love. So I think I just have an insane amount of motivation. As a result of that motivation, I feel as if I’ve made some fairly smart choices in order to continue saving like I do.

Second of all, there are two ways to go about being able to afford traveling. There are ways to save in order to be able to travel, and there are ways to save while you’re traveling. 

In terms of what to do to prepare, here’s what I have done:

Join a credit union. Not only do they give you insanely low interest rates when your credit might not be the best, but they give you great deals on houses (when the time comes), cars, and personal loans. I joined mine when I was 18 and will be a lifetime member.

Build your credit. If you have a vehicle that you don’t make payments on, but know the one you have is going to take a dump soon, this is super important. I built my credit for about 8 months before I purchased my car. I got a credit card through my credit union and just put all of my purchases on that instead of using my debit card or cash. However, do not do so if you think that having a credit card means you can spend whatever you want. That money has to get paid off somehow, and as long as you’re smart about it, you can pay it off every month and never pay any interest, thus, building your credit.

Don’t buy a brand new car. This is a terrible idea altogether. The car loses value the second you drive it off the lot. Most people will sign the papers in a heartbeat, except they just signed for a $28,000 car with a 20% interest rate. If you’re smart about it and purchase a good vehicle for a good price, your monthly payments could be as low as $100 a month.

Try to find a job that’s willing to pay you above minimum wage, even if it’s only 25 cents more; or find a job that will eventually give you raise, such as an annual. My job is basically the reason I am able to afford what I do. I serve tables in California, which is not one of the states that is allowed to pay servers as low as $2.00 an hour. California requires tipped positions to be paid at least minimum wage. So I make $10.50 an hour plus my tips, which averages me out to about $18.00-$19.00 an hour. My job also does annual raises and Christmas bonuses, which help a lot. As much as serving tables kind of sucks sometimes, the money is fantastic, and I highly suggest it for anyone in college trying to save money to travel. 

Don’t have your savings account linked to your checking account. Banks couldn’t have made things any easier to not save money. Having the two linked if you’re not the best with money, is an awful idea. When I made the decision to travel, I wanted to spend as little as possible, but it was hard when all I had to do was transfer something from my savings to my checking when I needed more money. I opened up a savings account with a completely different bank. The only way I can take money out, is to go in and take it out, and then I would have to drive another 15 minutes to my other bank just to put it in. You’re more likely to save money when you make things difficult for yourself to actually spend money.

Have an emergency savings account. Life happens, and sometimes you’re short on money, but your car breaks down. Even if you have to only put $5.00 away every month, it all adds up. Make it a completely separate account from everything else, and pretend the money doesn’t exist. 

Get yourself a flyer miles credit card. I only suggest doing this once you’ve had a normal rewards credit card and are comfortable opening another credit account. But boy, does it come in handy! I now use my credit card from my credit union as my emergency card. I hardly use it anymore. I put any and all purchases I make on my miles card. If you’re planning on traveling all over, I suggest a Discover It miles card, or a Capital One Venture card. Discover gives you a mile and a half for each dollar you spend, and Capital One gives you two miles for each dollar you spend. Neither limit you to just one airline, like an Alaskan miles card would, as an example. I will be using my miles to buy my ticket to Alaska this summer, and won’t pay hardly anything out of pocket. I racked up the miles with my every day purchases like groceries, eating out here and there, and gas.

Try to put away a set amount into savings each month, or every pay period. This is not something I particularly do, just because living off of tips isn’t always predictable. I pretty much just look at what I made for the week, divide everything up according to which bills need to be paid, and put the rest in savings. But for some people, doing a set amount can help a lot. Most employers that do direct deposit, will do it for several accounts, so you can even have a set amount from each paycheck go straight into your savings.

In terms of how to save while you travel, here’s what I have found:

Find a cheap airline. Sometimes I feel like this is just a given, but some people will legitimately spend thousands of dollars on an international ticket. I have found that the cheapest airline flying to Europe during most times of the year, is Norwegian Air. Every now and then you can find a cheaper ticket through Virgin Airways. Here’s why I would still pay a little extra for Norwegian. These planes are absolutely enormous because the flights are so long. The sucker is called the Dream Liner for a reason. I have so much leg room, I feel like I’m in first class. Their meals are actual meals served hot, whereas most airlines serve sandwiches, or hot food that looks more like plastic. For not much extra, you can get a ticket one step up that includes meals, choosing your seats, and includes your bags. I like Norwegian because they fly straight from California to Europe. The curvature of the earth matters, and each time you touch down and take off, you add more flight time. I always fly to Poland as my destination, so I stop in Norway, and then go to Poland. It’s a LONG flight if you go from the west coast, but it’s worth it. 

Fly during the fall and winter, and avoid holidays. Sometimes this is inevitable. But if your schedule is pretty open, fly during the ‘off’ season. Prices tend to go down in price to most places around the end of September, shoot up for Thanksgiving week, then go back down until the week of Christmas. During Christmas, they shoot back up, but as soon as New Year’s is over, they go back down. Prices don’t usually go back up in price until about May. Summer is when everyone wants to do their traveling, thus tickets are most expensive so airlines can make money. But for example, I flew to Iceland round trip from California in the middle of January for less than $400. No one wants to go to Iceland in the dead of winter, so prices are cheaper. You could pay around $1,000 just to go to the same place, but during the summer. Prices to the rest of Europe work the same way.

Use public transportation. I always travel with my best friend, Emily. We both refuse to use taxi’s because that’s how men figure out where you’re staying, and that’s like, asking to get abducted. Emily is fantastic with directions and public transportation, so she’s always in charge of that. Just about any city you go to will have public transportation, because Europe thinks about the important things. Tickets to use the buses, trams, or trains are almost always super cheap. All of the major cities I’ve been to - Prague, Budapest, London, Salzburg, Zagreb - all have great systems and good prices. Sometimes you can buy a bulk amount of tickets all at once, instead of buying individual tickets each time you go from one place to the next. It’s cheaper to buy in bulk, so if they offer it, use it.

Stay in Airbnb’s, not hostels or hotels. Hotels are pointless because you can’t cook. Wasted money eating out all three meals right there. Hostels are pointless unless you plan to travel with a large group, otherwise you usually have to share amenities, and not all of them have kitchens. Airbnb’s are super cheap for just about any city or town. They are fully furnished apartments or houses, so you can cook. Not to mention, some of them are so cute and I want to cry when I sometimes find the cutest one for a good price.

If you’re planning on traveling within several countries close to each other geographically, don’t fly. Once you’re in Europe, flying from place to place is super cheap. But if you’re visiting small countries that are all close to each other, look into a rail pass. Emily and I bought two first class passes for just under $1,000. They got us from Czech to Austria, to Hungary, then to Croatia. We bought them through Eurail and it was a great deal. We could hop on any train in each country as long as it was within the countries on our itinerary, and got us from one country to the next when it was time to move on. It ended up being cheaper to do it by train than to fly from place to place. Plus, you get to see the backcountry of everything, and it’s so worth it.

Make friends as you go. Meet people. Get to know the culture. Make friends. Most European cultures are all super welcoming. The more people you meet and stay in contact with during your time at home, the more likely you are to have either a cheap, or free place to stay the next time you go back. I could basically go anywhere in Poland at this point and not have to pay for a place to stay anywhere.

Avoid using cash. Economies are constantly changing. Currencies gain and lose value overnight. Take cash with you, and exchange a little just so that you can come back with some of it. I love to collect all the different currencies. But for the most part, avoid exchanging cash. It loses value, because places gain commission off of it, even if their windows say 0% commission. Research exchange rates of each place you’re going to just in case you need to exchange. All exchanges places have different rates, find the best one. If you plan to use cash for everything, withdraw it from an ATM. Try to stick to ones that are inside of banks, because you’re much less likely to use one that has a scanner in order to steal your information. But all in all, use a credit card. Debit cards aren’t safe to use internationally. If for some reason your information gets stolen, the second the money is used by someone else from your account, your bank likely won’t be able to get the money back. Credit cards are great because if your information gets stolen, the company or credit union is almost always able to fix the problem and you won’t owe the money someone else spent. 

This is all I can think of as of right now, and I think I pretty much included everything. Feel free to ask more questions if you need to, and I can give you answers if I have them! Traveling is actually so cheap if you go about it in the right ways. Good luck!!

[adtwixt]

Adtwixt - News: 75 Brilliant Crafts to Make and Sell

Start selling what you make with these easy crafts to make and sell. Looking for creative ways to make some extra cash this year? Try these quick and easy DIY projects to have some fun and make extra money from home at the same time. What better a creative way to make extra money than by selling some easy DIY ideas you made? When I was looking for stuff to make and sell online, things to sell on Etsy and at craft fairs, I made this list. I wanted to share it with you since I learned quite a bit about what to make and sell online. I found a little something for everyone, too DIY gifts, jewelry, wall art, home decor, pillows, coasters, bags and clocks. Whether you are just starting out trying to sell things or are already an expert and power seller on Ebay, you are sure to find a few new cool ideas for quick crafts to make and sell. Sewing projects, painting projects, inexpensive crafts you can make from things you buy at the dollar stores, and my favorite kind- projects from reclaimed wood.

If you are serious about starting your own craft business, dont stop at these 75 ideas, either. For beginners, you should check out our list of easy crafts to make and sell, and for Etsy specific top picks, our crafts to Make and Sell on Etsy. Want more cool ideas for crafts to make and sell? Our list of 75 top selling DIY crafts was so popular, we made another one for you guys here: 75 More Brilliant Crafts to Make and Sell

What is the best DIY project to make and sell?

Well, that depends on what the top sellers are for the season and the year of course, but also what you love to do. One of the great things about crafting to make some extra money is that you get to work while doing what you enjoy.

Love to sew?

Check out the super popular list here of sewing crafts to make and sell and even more sewing crafts to make and sell. Many of these cool DIY sewing ideas are made from fabric scraps, so they cost next to nothing to make. Gear up for top holiday craft sales with these 75 awesome DIY ideas to make and sell.

Love to paint?

If you love painting and making art, we have an awesome list of cool painting ideas for canvases. We also have some cool tutorials for learning how to paint with waterccolors , acrylic painting tutorials and some crafty flower painting tutorials.

75 DIY Craft Ideas To Make And Sell

Check out the links below for full tutorials, but watch the video below to see all the cool craft ideas to make and sell in one place

Easy String Art Projects

If you can hammer nails and twist string, this just may be the project to add to your Etsy shop. Print your choice of graphics or use these for inspiration. String art is super popular right now, and no artistic talent is required to make it. Plus, it this craft idea is fun to make. Get creative with your colors and art on these.

1. DIY Pallet Plaques

ohmy-creative

This cute little picture frame is so simple, so elegant, but so rustic. Made from upcycled wood pallets, this frame has the look that is oh so popular right now. I can sell as many of these as I can make, too! Learn how to make these homemade frames in this easy to follow tutorial. Customize the frames with the paint colors of your choice, too! You can even add embellishment if you like to the upper and lower bars. So creative, a great DIY project you will want to check out and try yourself. If you are looking for something easy and cheap to make and sell on Etsy or another online marketplace, this is one of my top picks. You can find reclaimed wood for free, and this distressed DIY farmhouse decor is about as popular as it gets, many of the Etsy sellers I saw who offered something similar were most often sold out. Cute for a gift idea, I highly recommend making these cute handmade picture frames to have on hand for Christmas holiday sales.

Easy DIY Fabric Covered Pots

Learn how to make these fun and easy decoupage pots using only scrap fabric. Check out our latest video tutorial on Youtube to learn how. Perfect cheap idea to make and sell, but these cute and crafty pots also make super homemade gifts.

2. Crafty DIY Rope Bowls

diyjoy

This rope bowl only looks expensive and hard to make. I was so surprised when I found out elegant DIY home decor like this could be made with only rope and a glue gun! Craft your bowls in minutes and you will have a ton of them to sell in no time. Try using different kinds of rope and jute when making them so you can offer your customers a variety of choices. These homemade bowls are perfect for holding fruit, yarn, napkins, home decor accessories, bread, and pretty much anything you like to put in them. This craft makes an awesome and cheap DIY gift, too. Super impressive gift idea, these DIY bowls are cute ideas to sell just about anywhere. One of the most popular items on Etsy is home decor, so we say try these out. Much faster to make than many DIY home decor items, these crafty bowls are quick, cheap and easy. What more could you ask for in craft project ideas to sell and make money from? When it comes to DIY stuff, this handmade rope bowl is one of the best do it yourself projects around.

Easy DIY Nail Polish Paintings

Learn how to make quick works of art, no artistic skills required. All you need is nail polish, water and a blank canvas. Check out the video to learn how to make some for yourself.

3. No Sew Pillow Cover

putandpull

I saw these at a craft fair where a couple was selling them for $50 a piece. The cute colors and fun patterns just make you want to go touch them (and hopefully buy them and take them home) Check out the tutorial by Put and Pull to learn how to make these highly marketable pillows. This fun and easy no sew project is perfect for those who want to make pillows but cant sew or lack a sewing machine.

4. Washi Tape Mini Wood Pallet Coasters

washitapecrafts

Looking for easy ways to make money from home? How about making these adorable but affordable coasters that look just like tiny painted pallets? Made with only craft sticks, glue and washi tape, you can customize the look of these DIY pallet coasters and create endless possibilities.

My teenage daughter has an Etsy shop and this is one of her top sellers, plus it is one of her favorite things to make and sell online. Plus, you get to have an amazing collection of washi tape for the making of these cute little DIY coasters. These need to be packed well, but are super light and fit in small shipping envelopes, so they are definitely one of my top picks for things to sell on Etsy and Ebay. One of the cutest crafts ideas to make and sell ever! Cute and easy, everyone always comments on the adorable factor when they see these pallet coasters.

5. DIY Prism Light Candle

diyjoy

I just saw these for sale on Amazons new site, handmade. Beautiful scatter candles like this cast amazing shadows when lit. Make them with mason jars and glass stones from the dollar store. You will need some patience when it comes to letting the glue dry (dont use a glue gun, as candles melt the glue right off!) but these can be made in all sorts of colors. I found blue, green, red, gold and clear glass rocks to try out. These photograph really well, which is super important when it comes to selling online. The colorful stones cast the most lovely shadows when the candlelight passes through them. Your Etsy shop needs these this holiday season. Try making your own DIY prism candle holder and see for yourself.

6. Cute Triangle Pouch

aspoonfulofsugardesigns

Whether you are just learning to sew or fancy yourself a pro seamstress, these cute little DIY triangle pouches make a cute stocking stuffer or DIY gift for the holidays, making this item a perfect craft to make and sell. People start shopping for the holidays much earlier than I realized, so I start making things like this in summer, and list them on Etsy by October for best sales results. If you have leftover fabric scraps laying around, the supplies for this are practically free. Pick up some inexpensive zippers in bulk and you will soon be in business with this best selling DIY idea.

7. DIY Bath Bombs

diyprojectsforteens

Looking for easy things to make and sell? Bath bombs are super popular right now, thanks to stores like Lush that sell fabulous ones. Making homemade bath bombs may look tricky, but I promise you it is not. Mix, mold and package your goods, then sell them with cute wrapping and tags. I added essential oils to scent my bath bombs and some natural food safe dye I picked up at Whole Foods. The lavender colored bath bombs with a light purple hue are my best seller, but you can craft lots of cool combinations with this basic but versatile DIY bath bomb recipe.

8. Faux Leather Pencil Cup

transientexpression

The look of all white decor is super popular right now, so when it come to items to sell, making those that follow a trend tend to always be top sellers. With Christmas coming up soon, DIY gifts are in high demand, or rather handmade gifts people can give when they dont have the time to make anything themselves. Get busy crafting this creative office decor item for your Etsy shop. You can make them in white leather, but also any other color you like. Offering a desk set would be a great idea to increase sales. Dont you think? Make some extra money for your holiday shopping with these creatively cool pencil cups. One of my favorite Pinterest home decor crafts, you are sure to sell lots of these cool DIY desk accessories.

9. No Sew Market Tote Bag

marthastewart

After my city passed an ordinance that bans plastic bags at grocery stores, I got crafty with my own shopping bags. After making several different kinds, I noticed people kept complimenting this one in particular, and for good reason. Look how cute it is just hanging on the door. Anything that doubles as a cute home decor accessory while still being functional makes me super happy. If you want something easy to make and sell, this craft is perfect. Cheap and doable even for the beginning DIYer, these colorful bags photograph well, are lightweight and easy to ship. You can package them in an envelope and dont even need to deal with shipping boxes and odd weights, either.

If you love the rustic, farmhouse DIY look, which is a top seller right now, check out our list of country crafts to make and sell. On a tight budget? Forget spending tons of money on craft supplies, it simply is not necessary. No problem, the ideas on the DIY list are inexpensive and many of these cheap crafts to make and sell are dollar store crafts. This is one of my favorite easy craft ideas for gift giving, which makes it a perfect item to sell in your online shop.

10. DIY Sunglasses Bag

momtastic

This is one of the simplest things Ive made to sell, but also one of the cutest, due to the limitless possibilities. Made from only a small piece of fabric, you can utilize those leftover fabric scraps for this DIY sunglass case. You can also use a solid color or a plain white to get super creative with paint or embroidery details. Embellish these with creative art and stitching or sew them from some pretty fabric scraps youve been holding onto but not sure what to do with. Inexpensive and quick to make, these custom bags for holding sunglasses are very popular with all ages, from teens to adults. Whip some up for your Etsy shop and start selling now before the Christmas sales rush.

11. Stenciled Pallet Signs

saltandpeppermoms

DIY wall art is always a top seller, whether you look on Etsy, on Ebay, craft fairs or pretty much anywhere. People love buying something that is clearly handmade, and decorating the walls with creative art is super popular. Try adding these cool DIY pallet signs to your shop and watch the sales numbers soar. Perfect for anyone with the trendy vintage, farmhouse decor, this bike parking sign is sure to be a top selling item.

12. Colored Pencil Coasters

consumercrafts

13. Yarn Ball Bookmarks

designmom

14. Wine Cork Keychains

cleverlyinspired

DIY Phone Case With Nail Polish

Turn a phone case into a work of art instantly with this easy and quick DIY idea. You will be amazed with the way these turn out! No artistic talent required, either.

15. DIY Wooden Utensil Box for Your Kitchen

thefrugalgirls

16. Cereal Box Notepads

infarrantlycreative

17. DIY Seed Bombs

projectwedding

18. DIY Lace Bowl

diyjoy

19. Etched Wooden Cutting Boards

designmom

20. Homemade Jar Candles

afewshortcuts

21. Pallet Mason Jar Vase

unoriginalmom

22. Hot Handle Holder

untrendylife

23. DIY Fabric Wall Art

iheartnaptime

24. DIY Marbled Mugs with Nail Polish

diycandy

25. DIY Kate Spade Inspired Metallic Polka Dot Phone Case

cafecraftea

26. Mason Jar Soap Dispenser

lovegrowswild

27. DIY Hand Sanitizer Jacket

theinspiredwren

28. DIY Hammock Chair

abeautifulmess

29. Marbled Clay DIY Ring Dish

abeautifulmess

30. DIY Leopard Desk Pad

mamaof3munchkins

31. Easy DIY Cutting Board Clock

abeautifulmess

32. Key Chain Chapstick Holder

crazylittleprojects

33. Dishwasher Safe Glittered Heart Mugs

creativegreenliving

34. Felt Envelopes

probablyactually

35. Comic Book Magnets

craftsbyamanda

36. Mini Pocket Notebooks

cremedelacraft

37. DIY Data Cable Organizer Key Chain

mintedstrawberry

38. DIY Painted Ombre Vases

rusticweddingchic

39. Chalkboard Label Wine Rack

shanty-2-chic

40. Sea Shell Mirror

annsentitledlife

41. Fabric Covered Spring Vases

iheartnaptime

42. Tablet Cover With Zippered Pocket

so-sew-easy

43. DIY Crochet Boot Cuff

seven-alive

44. Vintage Jewel Burlap Wall Letters

craftsbyamanda

45. Homemade Vanilla with Printable Labels

brepurposed

46. DIY Double Pearl Earrings

darbysmart

47. DIY Beaded Tassle Necklaces

madeinaday

48. DIY Hand Warmers

raeannkelly

49. DIY Washi Tape Clock

tellloveandparty

50. Neon Leather Bracelet

creatingandco

51. Etched Glass Water Bottle

creativegreenliving

Need more DIY ideas to make and sell? Try these crafts and supplies

52. Chalkboard Heart Candlelight Mason Jar

diyjoy

53. Jack Daniels Liquor Bottle Lamp

diyjoy

54. Colorful Key Fobs

leighlaurelstudios

55. Beaded Wire Bookmarks

guidecentr.al

56. Witty Welcome Doormat

griffanie

57. Cute DIY Headbands

craftsnob

58. DIY Button Cover

myuncommonsliceofsuburbia

59. Glass Pebble Magnet

stampinfool

60. Wristlet Key Fob

prettyprudent

61. Wire Wrapped Bead Rings

dollarstorecrafts

62. DIY Gold Chevron Paintings

jesslively

63. Rainbow Crochet Cup Cozy

tutsplus

64. DIY Etched Glass

afewshortcuts

65. DIY Pacifier Clips

vivaveltoro

66. Dinosaur Toothbrush Holders

allthisforthem

67. Thimble Necklace

thewindandthesail

68. DIY Scoot Board

afewshortcuts

69. Washi Tape Wooden Bracelets

mamamiss

70. Felt Pencil Pouch

creatingandco

71. Amigurumi Cactus Crochet

hopefulhoney

72. Designer Wrapped Pencils

thesarahjohnson

73. Pallet Wood Letter Decor

thistlewoodfarms

74. Washable Bowl Covers

The Gracious Wife

75. Wine Bottle Bird Feeder

thegardenroofcoop

The post 75 Brilliant Crafts to Make and Sell appeared first on DIY Joy.

Adtwixt - News source http://feedproxy.google.com/~r/Adtwixt-News/~3/hg1xZo_vTxE/75-brilliant-crafts-to-make-and-sell

[dailrpwmf-blog]

Does this car insurance rate hike seem insane?

Does this car insurance rate hike seem insane?

I had a minor car accident over a year ago that was deemed my fault, although no witnesses were interviewed or police officers at the scene. Both of our cars had minor cosmetic damage, but drivable, and we were both physically unhurt. I just got a notice in the mail saying that my car insurance has gone up a dollar amount that equates to roughly 65%. I only have one other ticket in the last 3 years (speeding, under 10 mph over), and I have multiple cars insured with this company as well as my home. They are giving me the run-around when I question the details of this. It seems like an insane hike to me. What is your experience?

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

SOURCES:

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[themoneybuff-blog]

Questions About Child Rearing Costs, Laundry Services, Unused Media, Aldi, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. $250K to raise a kid? 2. Long term care? 3. $20 bill budgeting 4. Expense of laundry service 5. Backlog of unused media 6. 403(b) risky? 7. Cheap or expensive bag? 8. Thoughts on Aldi 9. Is renters insurance necessary? 10. Appliance repair or replace? 11. Saying no to parent 12. Getting value from self-improvement books Spring usually begins with a mix of rainy days and dry days, warm days and cold days. Sometimes, its a warm, dry day and all I want to do is go outside. Other days are wet and cold and I want to stay in out of the rain. The hardest part are the beautiful days when I need to stay inside and work. I want to go outside on a long, long walk through the countryside and through the woods, looking for mushrooms and enjoying the fresh air. Spring is wonderful. On with the questions. Q1: $250K to raise a kid? My husband and I are in our early thirties and were starting to think about having a couple of children in the next few years. We started to look into the costs and the most common figure we found was $250K to raise a child. That cant even be right as there are families that raise kid that barely bring in that in total in 18 years. What is the actual cost of raising a child in your experience? Marion When you see numbers like $250K, youre seeing the total long term cost over a period of at least twenty years, and that often includes paying for college and other such large expenses. Its also an average and includes families who are paying for things like private school. My experience has been that the cost of raising a child is often connected directly to the financial means of the parent. You can raise a child perfectly well on a low income my parents were never, ever very well off when I was growing up and they raised three children. My father worked in a factory (when he wasnt laid off) and had side gigs (most notably commercial fishing) for a living and my mother was a stay-at-home mom. There wasnt a ton of money there. We are most certainly spending more per child on our children than my parents did on me, but the truth is that a lot of the extra expense is on optional things like a band instrument or sports fees or an extra ticket to an event that were going to as a family. We could not spend those things and our child would be perfectly fine. In other words, those $250K estimates are numbers that summarize what parents are choosing to spend on children, not what they have to spend. Outside of some basic things like food, shelter, clothing, public education, and medical care, most expenses related to raising a child are very optional, and many of those required expenses can be incredibly low out of pocket. Q2: Long term care? Read this article: https://www.nytimes.com/2019/05/10/health/assisted-living-costs-elderly.html What are ordinary people supposed to do when they need long term care? The wealthy can pay for insurance or higher care, but thats not an option for a poor person or even a middle class person. If me or my wife needed long term care I dont know what wed do. Alex This is one of many issues that have radically changed in society during the 20th century and that we havent really figured out how to handle as a society. At the start of the 20th century, people who needed this kind of care usually didnt have the medical care necessary to continue to live. They perished. Thus, it was fairly uncommon for someone to need this kind of care for an extended period of time, and when it did occur, there were typically large families and even whole communities who stepped up to provide that care. Today, much of that has changed. In many situations, medical advancements enable people to live through things that they would not have survived 100 years ago. This means that more people who are in a long term care situation are surviving when they previously would not have done so. At the same time, nuclear families are smaller and communities are less tight-knit, for various reasons. The truth is that as a society, we have not figured out how to handle this yet. We havent figured out how to handle a lot of the advancements of the 20th century yet as a society. One only needs to look at the cruelty of many internet forums as further evidence of this. The problem, of course, is that there is no ready-made solution. Long term care insurance is definitely one step many people can take to gain peace of mind about future situations, but its expensive for many. The honest truth is that many families, when faced with long term care situations, just have to deal with it moment by moment to the best of their ability. Some families struggle to provide that care at home, particularly when theres a larger pool of family members that can help, while others go into debt. Many families rely on some form of government assistance to make it work. If you can easily afford it, long term care insurance is a great idea. If not well, society doesnt have a robust solution for you. The solutions vary widely from situation to situation. Q3: $20 bill budgeting Was reading an internet forum that reminded me of how I used to budget in college. Back then, I used to have an envelope with $10 bills in it. Each month, Id put $300 in $10s in there and each day I would take one out. Aside from rent, I had to live on that $10 each day. It paid for the bus and for food. Strategy I saw used $20 bills today which would be roughly the same. Mary Lets spell out this system a little bit. Aside from scheduled bills like rent, electricity, and so on, a person would aim to live on $20 a day in cash. Each month, a person would withdraw $600 cash from savings in the form of 30 $20 bills and put them in an envelope somewhere secure. Each day, that person would take a $20 bill out of the envelope and put it in their pocket. They would have to live off of that $20 bill and change from the previous months. This gives you room to splurge if you want to, but to do so would involve eating beans and rice for a while. In other words, lean days would directly help with expensive days. It would also be needed to help you make up front purchases like a bus pass, which would ease daily expenses a little going forward. I mentioned this idea to a friend and she said that she would probably try to have days where she could get by without pulling a $20 out of the envelope and then at the end of the month thered be some $20s left over, which shed use for bigger goals or big expenses or emergencies. That seems like a strong idea to me. I think this system would work very well for anyone who is trying to make ends meet on a very tight budget. Q4: Expense of laundry service There is a service in our town that just started that will take your laundry off of your front step and bring it back within 24 hours washed, dried, and folded. The cost is $2 per pound of clothes (rounded up to nearest pound), paid up front. I am trying to do the math on whether this makes sense or not for us. Amy A typical large load of laundry weighs somewhere between 7 and 10 pounds, but that really varies depending on how much you stuff in your washer with a typical load. I actually weighed a load of laundry that I just pulled out of our dryer on a kitchen scale and it weighed about 9.5 pounds. So, youre paying somewhere between $15 and $20 per load of laundry to be done for you. What is that saving you? The big savings is the time. You arent carrying your clothes to the washer and filling it up. Youre not moving clothes to the dryer. Youre not folding those clothes, either. Thats all done for you. In terms of cost, the cost of a load of laundry at home, including all materials, energy, and equipment depreciation, is around $1. So, in essence, youre paying someone between $14 and $19 to put a load of clothes into the washer, transferring them to the dryer when done, then folding them for you when the drying is done. Thats at most half an hour of effort, and probably less than that. Thus, unless you are very strapped for time and can extract a lot more than $30 of value per hour out of an extra freed-up hour, then this isnt a cost-effective move. It essentially adds up to paying $15 or a little more for an extra 20 minutes or half an hour of free time. Q5: Backlog of unused media What are your thoughts on people who have large unused media collections and keep buying more without using what they have? Why does that happen? Is there a fix? I noticed this myself with my collection of Kindle books recently. My son is home from college and he piped up and said that he actually has a lot of computer games unplayed as we often buy him Steam gift cards. He has a ton of computer games left unplayed yet he will often seek out new ones. I want to be less into getting new stuff and more into using what I have. Mike The reasons actually pretty simple: buying and acquiring and getting and collecting new items for your collection scratches a much different itch than actually enjoying the items in that collection. I have the same issue in some areas of my life (far fewer than I used to, thankfully). The feeling that acquisition and discovery gives you is much different and I think more addictive than the feeling that diving deep gives you. This is particularly true when you dont have as much time as youd like to dive deep, but thats not the sole cause of it. The only solution Ive found that works is to put moratoriums on new acquisitions. Give yourself a 30 day or a 90 day challenge to simply not buy any new Kindle books. Suggest the same for your son with his Steam games. If you have the urge, ignore it or, if you must take action, put that item on a wishlist. This does a great job of strongly curtailing that desire to acquire, but its a desire that can easily grow if youre not being conscious about it. I find that doing these kinds of moratoriums regularly does a pretty good job of slowing down my collecting nature. As for actually using those backlogs, the best thing Ive ever done is to consciously block off time in my schedule for that kind of exploration. I block off an hour a day for reading, and that has caused my book backlog to evaporate. I block off time on many weekends to play board games and that means the games in my collection are getting much more play. Q6: 403(b) risky? I work at [a public university]. One of my coworkers claims that people shouldnt put money into a 403(b) because politicians will eventually target that money for extra taxation or reclamation because it is public funds. He thinks that because we are government employees our 403(b) money will eventually get reclaimed by the government so saving in a 403(b) is a waste. Is this even possible? Ana Well, anythings possible, I suppose. However, if youre running your life in response to what you think its possible that the government might do, youre walking by a ton of opportunity. I mean, I think its possible that the government might outlaw certain classes of opioids. Does that mean I should start hoarding them, just in case, even though theyre very likely to just sit in my cupboard and go bad? Of course not, and I consider new opioid restrictions to be far more likely than any changes to 403(b) taxation. Let me put it to you this way: if the United States government starts retroactively taxing the retirement savings of a large class of citizenry in a way that invalidates the entire reason for putting money in there in the first place, we will already be in an extremely ugly situation that will get much uglier. 401(k) and 403(b) plans are already big wins for the federal government because its a way to pump tons and tons of money into investments and thus helping the economy in exchange for merely delaying taxes for a while. The government makes far more money leaving 401(k) and 403(b) plans just as they are than if they were to tinker with them in a way that would drive people away from them. It is possible that the government would do something like that, but if theyre doing things like that, then we have much bigger fish to fry, like a rapidly devaluing dollar. In fact, most financial conspiracy theories that people use to justify weird financial choices are ones that, if they came to fruition, would be completely overshadowed by a collapsing economy and a hyperinflated dollar. In my opinion, a 403(b) is about as safe as you can get, and the risks you are taking by having one are overshadowed by the risk of having your money in the form of American dollars, and I dont consider that much of a risk either. The only realistic change I can see to a 403(b) is that they might change how the program works in the future, and that would probably involve sunsetting the current 403(b) program and letting the current accounts continue to exist without further contributions while introducing some form of replacement account. They absolutely would not want to risk any mass withdrawals from 403(b) plans if they abruptly taxed them, Wall Street would lay an egg and the value of the dollar would plummet. The government will bend over backwards to avoid that, not encourage it. Q7: Cheap or expensive bag? I need a messenger bag or backpack for work. I have been looking at the options and it seems like you can either get a cheap one for like $20 that will last for a year maybe before the straps start breaking or you can get one for like $200 that will last for several years maybe five or ten, maybe twenty. Cheap bag does the job now for only $20 but I will be replacing it before long if I use it every day. Expensive bag will do it practically for life but its really expensive right now and I have a hard time justifying spending $200 on a bag. I know you lean toward buying things for life and I can see that the long term cost might be lower with the expensive bag, but I cant justify $200 on a bag right now. Duane To me, the deciding factor in these situations is the cost of failure. What exactly happens when a bag fails on you? In my own experience, thats usually the moment when its time to get a new bag the old one failed in some way. A strap breaks or the bottom rips out or something like that. Whats the consequences of that kind of failure? What happens if youre actively using your bag and suddenly a strap breaks on your or the bottom rips out? If the consequences arent too disastrous, thats a mark toward a cheaper bag. If the consequences are dire, thats a mark toward a more expensive bag. Personally, one of the things I strongly consider when buying an item is the consequence of failure. If it causes a potentially major career or life hardship or an enormous mess, Im going to get the reliable version. If its something small, like an overcooked or undercooked meal, the cheaper version seems much more acceptable to me. For me, this was what drew me to getting a buy it for life kind of bag for daily use. Q8: Thoughts on Aldi Aldi just opened up in my community. We shopped there and thought it was okay and that the prices were great but there were weird little annoyances with layout and selection and the carts. Then I saw on CNN about how Aldi is expanding fast. What are your thoughts on Aldi? Good place to shop? Alice Im guessing that this is the CNN story that Alice is referring to. That article describes it well: they strip down the shopping experience as much as possible to make the prices low. What Ive found is that it means that their selection is kind of limited and some of their items arent particularly healthy, but their prices on what they do have are amazing. There are two different Aldi stores within about fifteen minutes of my house. Aldi is probably the cheapest grocer available to me, though Fareway isnt too far behind them and has a somewhat better selection. I basically find that the cheaper a grocery stores prices are, the weaker the selection is and the more bare-bones the shopping experience is. I generally dont mind the bare-bones shopping experience, but I do find that it restricts what I can cook if I only use Aldi (or, to a much lesser extent, Fareway). I find that if I shop at Aldi, I usually have to make a second stop for some items; occasionally, I have to do the same with Fareway, but not too often. Other grocers, like Hy-Vee, will have everything I need, but the prices are higher. Thus, it comes down to a convenience thing and a meal planning thing. If I plan very simple meals, I can get everything I need at Aldi, but our meals arent very varied. Theyre certainly cheap, but not varied. If I add more variety, I either need to make multiple stops when grocery shopping, adding significant time to my shopping trip, or shop at Fareway or even Hy-Vee. Honestly, I still mostly shop at Fareway. The prices are very good and they generally have almost everything I need. Aldi is lower on the items that overlap with Fareway, but I usually dont have to make a second stop if I shop at Fareway, its closer to my home, and the prices arent really that different for a typical weeks grocery list. Aldi is great if your list is entirely common food staples, and I do shop there sometimes. Q9: Is renters insurance necessary? Is it always necessary to get renters insurance? Just moved out from parents and my apartment has a bunch of Goodwill stuff and family hand me downs. If its gone I dont lose much. Matt First of all, its very possible that your landlord requires you to have some sort of renters insurance policy. Youll need to look carefully at your lease; if you dont have it, you might be in violation of your lease. Many leases require the renter to have a $100,000 (or more) liability policy. Honestly, the big reason that many first time renters need renters insurance is for the liability coverage. If you accidentally burn down the building and its clear youre at fault, the landlords insurance may cover some of it, but you also have a legal liability too. If you dont have insurance, that can be a huge problem. Renters insurance is pretty cheap, though. You can get a policy that includes $30,000 in property coverage (covering your stuff in event of theft or disaster) and $100,000 in liability for around $15 a month. I think its a good idea, even for people without much stuff, to get this kind of insurance if theyre renting, just because the cost is so low compared to the downside. Q10: Appliance repair or replace? Our washing machine has broken down twice in the last six months. A family friend has fixed it both times but he says that to really fix the problem will cost about $200 in parts and that we should get someone else to fix it as hes more of a handyman. Time to replace? Noelle Absolutely. I dont even hesitate to say yes to this. When a repair bill is going to be a large portion of the cost of replacing an older item, its time to replace the item, as there are likely other points of failure coming in the future. There are exceptions to this, of course. If you are familiar with repairing the item yourself or have an interest in figuring it out, then you should by all means give it a shot. If you can find the parts for cheap and want to tackle the repair on your own, maybe with the help of that friend, then its probably worth it. My guess is, given the price, that electronic components are involved, but the actual procedure shouldnt be too difficult. However, thats not something that necessarily appeals to everyone or works with everyones life. In that situation, I think a replacement is very justified. The nice part is that your current washer should last long enough to allow you to shop around. Q11: Saying no to parent Im 31 years old and single. My father passed away about six years ago. My mom didnt handle it well and has become an alcoholic and possibly a drug user. She comes to me and my brother regularly to borrow money. She does manage to keep her job at a grocery store that shes had since I was a kid but I have heard that the manager keeps her on out of loyalty and she shows up to work drunk sometimes. She was so wonderful raising me and to see her like this tears me apart but I dont know how to say no when she asks. She asks frequently enough that it does put some financial strain on my situation, though I am still making progress on my student loans. Do you have any advice for me? Megan If I were you, the absolute first step I would take is to find an Al-Anon group for you. The purpose of Al-Anon is to support people in your exact situation, those that have loved ones with alcohol abuse issues. It sounds like your mother is a good person who was broken in some way by the death of your father and she doesnt know what to do so she uses alcohol to self-medicate, and that is causing difficulties in your own life. Al-Anon can help you deal with things on your own end and perhaps help you figure out how to help your mother. There will probably come a point where you will have to tell her no, but I cant really offer specific advice on that because I dont know the specific situation. I can simply recommend Al-Anon as a great next step. Q12: Getting value from self-improvement books A lot of times when I read a book about personal finance or getting organized, the ideas make a lot of sense but then I close the cover and none of it seems to matter or take hold in my life and before long Ive forgotten everything other than a few main points. Do you have any tips for making personal finance books or organizing books more sticky in my head? Mary There are two key elements that I think make the difference for me. The first is that I take a lot of notes as Im reading it. If its on the Kindle or a copy I dont mind abusing, Ill do a ton of highlighting as I go. If its a library book, Ill put in bookmarks as I go. Then, when Im done, I wait a few days, then go back through the highlights and take actual handwritten notes on the book. This impresses the ideas into my mind. The other part is that, from those notes, if I have positive thoughts about the book at all, I try to put some of those notes into practice immediately. I usually do a thirty day challenge with some of the suggestions in the book, meaning I try to apply them as well as I can for thirty days in my life. If it seems like the trial run will actually be a net positive change, Ill keep going with it, doing a ninety day challenge with perhaps some revisions. The goal here is to try to set those changes as a habit in my life. Rolling back a bit, I find that Im more successful with this kind of change if Im already strongly interested in the type of change that the book is targeting before I ever start reading it. If its not a change thats compelling to you, its probably not worth your time to read a book on any self-improvement topic. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-child-rearing-costs-laundry-services-unused-media-aldi-and-more/

[woodyandarchless-blog]

The biography of Lucy Woodwood

I was born November 19th. I was raised, if you could call it that, in a single parent family. You may be wondering what i mean by if you could call it that. My dad left a month before my 5th birthday. I’m guessing he had enough of my mothers behavior and attitude but at the time like most children that age I thought i had done something wrong. My mother, in name only as she never acted much like one, had not one but two substance abuse problems. Before my dad left she just used to drink though she was a mean drunk. I hated it when she was drunk she would shout and scream and throw things at my dad telling him how useless he was as a man how all men were the same. I would just lie there in my bed head under the cover crying wishing she would just stop. My dad wasn't useless he took me to the park, to the zoo, to doctors appointments. He was the one that cooked the meals, paid the bills, kept the house clean, yet still she would have a go at him for no reason. Like I said as a child I thought it was my fault that my dad had left I though I was to much for him to cope with, as I grew older though I  realized it wasn't me it was her, after years of abuse he’d had enough and left. That's when my mother started to go out every night leaving me locked in the flat, that's when all the different men started to come around, and that's when she turned not only to drink but to drugs. 

I was kind of lucky in away for all she wasn't there for me my grandparents only lived a couple of blocks away and so they did things with me now and again. My favorite memory from my childhood was when they took me to the coast. I was six years old and it was the first time I’d seen a beach and the ocean, I think my eyes must have nearly popped out of my head. I loved pops and ma and they were my only link to my dad though when I would ask them about him they would change the subject. It wasn't until they died I found out they hadn't heard from him after he left me mother and me. I guess he wanted a clean break. 

After pops and ma died I was basically left to raise myself. My mother was always either to stoned or two drunk to even notice what was going on around her. The only time she seemed sober enough and clean enough to know anything was when she would go to get her money. Every week it was the same routine, get money, get whiskey, go home, get drunk, fall asleep. That's when I would go in her purse and take out enough money to pay the bills and buy food for us both and an extra $1 in a jar I kept hidden in my room. That was my freedom money as I called it, I knew one day I to would be like my dad and leave and knew I would need funds to make sure I could get as far away from her as possible. That's what my freedom money was, that was my hope of one day having a normal life whatever normal was. 

As the years went by the roles were reversed. I basically became the parent, making sure the bills were paid, there was food on the table, the house was clean, she got to all her appointments on time and clean. I even got a part time job after school so there was extra money coming in so we could afford to pay the bills and still put a little away for myself. The different men were still coming in the house but I would always lock my door I didn't want to know who they were. When I was 15 however that changed. I was sat listening to some music when I heard my mother screaming. I ran out of my room and saw some guy hitting her because she wouldn't give him her purse. As much as I hated the woman I called mother I still wasn't about to stand there and let her get hit. Without thinking I jumped on his back and started hitting him only to get picked up like some old rag doll and thrown across the room. Fighting the pain as I heard my mother scream I ran to the kitchen and grabbed the largest sharpest knife I could and stuck it in his leg. He screamed so loud I thought my ear drubs were about to pop, the next thing I knew he was off my mum and backhanding me across the face before running out the flat. I instinctively jumped up and locked the door behind him before going to see if my mother was ok, only to get another backhander off her as she started to yell and scream at me for hurting a man she loved. After screaming back did she feel that way about all the dicks she had every night I ran and locked myself in my room and packed a bag determent to leave till I heard her crying in her room. I couldn't leave her like this she needed someone to look after her and if I didn't who would. 

Four months had past and things seemed to get better my mother seemed to try and get clean. she had her relapses where she would get so drunk I’d have to put her to bed but less men were coming round and she even tried to make breakfast for me a couple of times. A couple of days after my 16th birthday I came home to find a cake on the table and a note from my mother “Gone to get candles happy birthday” I laughed at the fact she was a few days late but at the same time was so happy that she had remembered for the first time in god knows how many years. I decided while I was waiting to go have a bath to relax as work had stressed me out that day. As I was getting out and wrapping a towel around myself I heard the door open and went out with a smile thinking I would find my mother there with the candles for the cake. What I saw instead was my drunken mother in the arms of some guy who would make Freddy Kruger look like a model. I still to this day hear his words as I walked out the bathroom “Wow sweetness your hotter than your mother”. Skin crawling with disgust I went into my room slamming the door behind me and got ready for bed I never really thought anything about it. As I lay on my bed I could hear my mum and this guy laughing in her bedroom at which point I put my headphones on turned up the music and tried to go to sleep. I cant remember what time it was when I was woken by a sudden weight on top of me I felt like I couldn't breath and opening my eyes I saw the same disgusting guy naked leaning over me. I told him to get out and screamed for my mother as he tried to climb into my bed telling me he wanted to know if I was as good as her. I continued fighting and at one point felt a little relived when I saw my mother in the door way that soon faded when she smiled and walked off. Somehow I'm not sure how I managed to not only get out from under him but to get him out my room and quickly locked my door. As he was banging on my door I quickly got changed grabbed the bag I had packed months earlier and the money I had been saving and climbed out the window and down the fire escape. The fact my mother had seen one of male friends trying to rape her daughter and all she did was smile about it was the last straw i couldn't stay there anymore she could look after herself from that moment on. I not only left the flat but i also left New York and got as far away as i could making sure i had enough money to survive till i could find a job. 

I ended up living in some quiet all be it sleazy little back water place, the only reason I was there the rent on the apartment I found was so cheep I could afford the two months in advance. The good thing about this place was it was only a couple of hours by bus to the ocean which is where I spent a lot of my time for the first couple of weeks, remembering the good times I had at the beach with pops and ma and trying to work out what I was going to do for money. Luckily for me on the outskirts of the town there was a bar that was hiring, and again luckily for me they didn't care about your age. As long as you knew your drinks, which thanks to living with an alcoholic for so many years I did, had a pretty face and were willing to dress sexy you were hired. I didn't really like the idea of dressing in low cut tops, mini skirts and heals while in a sleazy dive like that but it was necessary evil if I wanted the job, and unfortunately I needed a job to be able to survive. The guys who came into this bar reminded me of the guys that my mother had brought home every night, ugly, drunk and only after one thing. The boss was worse than the customers at times he was an ugly smelly fat slob who delighted in rubbing against you as he walked past even if there was plenty of spare to get past he would still rub up against you and all I could really do about it was force a smile and continue with what I was doing. I couldn't afford to loss the job. 

As the months went past and I proved to the boss that not only to know my drinks but how to handle the customers, not only the sober ones who had little regard for manners but also the drunk ones, he seemed to relax the dress code a little my skirts got longer and my heals smaller and he never said a thing. even though I was showing less every night the first thing I would do when I got home was climb in the shower and scrub that place off me followed by food and then if I had a really bad day I would curl up on the bed and cry myself to sleep. I soon got to know most of the regulars in the bar including a woman called Stacey. she would normally come in with her husband but there was the odd time she came in alone and when she did we would sometimes stand and talk when things were slow. We got to become good friends and would go shopping together and all sorts, it was nice to have someone I could have a laugh with and talk to. She would come round mine sometimes when her husband was away and I had a night off and we would talk about her marriage. I guess you could say it was through her I found out I seem to have a gift of being able to help people with there problems. Because I helped her out with a few she told others how good I was and soon while I was serving the customers at the bar they would start to ask my advice on different things. As much as I hated the bar, my job at that point I started to like a little more and even enjoy. I wasn't having to rush home every night to wash the smell of the place off me and some times would even stay back for a drink and a chat with the owner and a couple of the other girls who worked there. I was beginning to feel like this place was home. 

The night before my eighteenth Stacy and a couple of the other girls from town decided to throw me a surprise party at the bar. I was so shocked when I walked in that night for work and saw streamers and balloons and banners all I could do was cry with joy I felt at last I belonged somewhere and that people did care what happened to me. I guess you could say I felt loved for the first time in a long time. Later that night the good mood and atmosphere that was surrounding me altered when Stacey's husband come in and started calling her all sorts just because we were dancing and having a laugh. Grabbing her by her hair he started to drag her out of the bar and I followed trying to tell him she hadn't done anything wrong and that he should just back off go home and calm down. After pushing Stacey in the passenger side of the car he went to go round to the drivers side and I stepped in front of him pleading with him to just let my friend go because she hadn't done anything. All I got in reply was a punch to the face at which point I don't remember much. I was laid on the floor and some guy came running across and started fighting with Stacey's husband, she while that was going on had got out the car and came to see if I was ok. It didn't take long for this other guy to knock Stacey's husband almost out cold then he helped her to get me up and they took me home where I fell straight to asleep. 

When I woke up, Stacey was asleep on the bed beside me and the guy who had come to our rescue was asleep on the sofa. I slowly got up wincing in pain and made my way to the bathroom. Looking in the mirror I could see I had a lovely big black eye which was swollen shut. As I came out the bathroom the guy woke up and introduced himself. He said his name was Wesley and that he had been watching me for awhile and had been waiting for the right moment to ask me out as he thought I looked pretty and that I was a sweet girl. I half smiled thanked him and answered that with the nice black eye I didn't look so pretty. He at that point kissed me and said yes I was and that he wanted to take me to dinner that night black eye and all as a birthday treat. I was in shock that anyone felt like that and agreed to go for all I didn't know him, after all he had just saved me as far as I was concerned that made him an alright person. 

That night Stacey helped me to get ready and to hide the black eye as much as possible. I’d just finished getting ready when Wesley knocked on the door. When i opened it there he was stood in a suit with a bunch of flowers, i handed the flowers to Stacey and we left. As we were driving i asked where he was taking me and he said somewhere special then pulled over on some back road. I asked why we had stopped and he said because he’d been wanting to do something ever since i got in the car he then lent over and kissed me. As the kisses got more passionate his hands started to wonder and i asked him to stop, telling him that i hadn't been with anyone before and didn't really want my first time to be in a car. All he did was smile and say “virgin huh”. The next thing i knew the seat belt was undone, the door locked and my seat went back and he was on top of me. At that point everything seemed to be in slow motion and silent, i was screaming but i couldn't hear it, i was hitting, biting, scratching but nothing seemed to stop him and he was to dam strong for me to push off. When he finally finished he sat back in his seat smiling and suggested we now went to dinner. I just laid there numb, unable to move. When he eased me up so he could put the seat upright so he could drive us to dinner I unlocked the door and ran. Finding a hole in the fence a little ways down the road and around a corner from the car I dived through it and hid behind the trees not sure if he was following me or not. It wasn't long before I saw his car go slowly past as he looked out both ways. I stayed where I was for what seemed like hours before daring to move and make my way home. When I did get near to my apartment I looked in the parking lot first to make sure his car wasn't there when I saw it wasn't I ran up to my room and locked the door behind me relived that Stacey had seemingly gone home. I quickly ran a hot bath and climbed in. I didn't care the water felt like it was burning me and I started scrubbing I didn't care about the red marks I was leaving all over my body because I was scrubbing so hard I had to get clean I needed to get clean I needed him off me. 

I stayed locked in my apartment for about five days not answering the phone or the door to anyone. constantly climbing in the bath trying to get clean. after about the fifth day I had nothing in my apartment to eat or drink so I knew I had to go outside even though I didn't want to. Dressing in old baggy clothing I grabbed my purse and slowly made my way out, not bothering to do my makeup or hair. the worse I looked the better no guy would want to be near me and I liked that idea. As I approached the shops I froze. There coming out of the shop was Wesley only he wasn't alone he had his arm around a girl and was kissing her. My skin began to crawl and my blood boil not only from seeing him but from the fact I knew the girl was only fourteen. I decided I had to follow them and as I did I rang the local sheriffs office knowing that they would come straight out as the girl in question was the niece of there Sargent. With no answer I left a voice mail message for them saying that they had turned into a wood and that I was following. After I hung up I had lost sight of them but went in anyway I wasn't going to let him hurt someone else. As I was wandering in I heard her scream, seeing him on top of her trying to do to her what he had done to me I saw red and picked up a large stone with both hands and hit his head as hard as I could before grabbing the girl by the hands and running out of the wood with her constantly repeating that everything was going to be ok everything was going to be alright. Looking back I’m not sure if I was trying to convince her or me of that fact. Just as we left the wood two police cars showed up I told then what I’d done and where he was. One of them went running to where he was while another called for an ambulance. me and the girl sat in the back of one of the police cars and waited. We watched as the the guys from the ambulance went rushing in and stretchered him out. 

Once he was out the officers drove us to the station for our statements. I told them everything except the fact that he had done it to me, instead when they asked why I had followed him I said because I heard he had a reputation for hurting young girls and didn't want to see her get hurt. That's when they told me that he was wanted in connection to other similar incidences and not to worry what I did would be seen as self defense. I was sat numb, emotionless I could see the officer talking but I couldn't hear him. My mind was racing I started to wonder if I would have been better off staying at home with my mother. I snapped out of the trance when another officer came in and said that it was touch and go as to if he would make it. The officers finished taking my statement and let me go. The uncle of the girl was the officer who gave me a ride home. thanking me for saving his niece and said I did what I had to do as he had a knife at the girls throat if anyone asked I had to remember to say I did what I had to do he had a knife at her throat he made me repeat it twice to him before I got out the car. A couple of days later I found out he had died the police told me that there wasn't enough evidence to charge me so I was free to go, and go I did. I packed up all I could and moved once more this time to Las Vegas. 

It was the complete opposite of where I had been no one wanted to know my name, no one even seemed to want to say hello and I liked that fact. I wasn't about to make the same mistakes again. This time no one would get near my heart however at that point I lost myself to. I hit the bottle hard everyday. I lost both my jobs but I didn't care, all I cared about was the alcohol, it wasn't going to hurt me, or leave me it was my best friend it was the only friend I needed. 

About three moths had past and I woke up one morning beside some guy I had never seen before and went to the bathroom. When I looked in the mirror what I saw shocked me. No longer was I looking at my own reflection instead what I saw was my mother looking back at me. The realization that I was becoming her frightened me into cleaning up my act. 

 It was at this point in my life things changed dramatically. I remember the very little of the night. I was sat silently sobbing on a park bench in the rain I felt like there was no hope for me when a couple of males approached me. When I had seen them walking towards me I felt that the worst was going to happen, but I was fine with that as I felt my life was already over. But as they got near one of them sat beside me and asked me what was wrong. I couldn't answer I had no idea where to begin or even if I should begin with not knowing them. The next thing I remember I was sat in a living room with my brothers my mind a little confused as to how I had got to where I was and what I had been doing before hand but my brothers told me not to worry about it as it wasn't important. 

I spent several weeks with all three of my brothers and loved every moment of it but then Graham had to return to England leaving me with alone with just Elijah and Klaus. I spend several happy months under their roof but eventually once more I felt it was time to move on. The difference between  this time and all the other times I had kept moving, was all the baggage I had carried with me through out my life felt.. lighter and I felt happier, however I still would never stay in one place for longer than four or five months. I found jobs working as an advice columnist for different papers normally just filling in while there proper advice columnist were on holiday or ill. Luckily it gave me enough money to be able to pay rent and buy food I didn't need anything else. I never let anyone in I kept them all out. I built large walls around me that would stop them all from getting in. The constant moving from place to place helped me to make sure no one got in as I was never in one place long enough to make friends. 

Then March 2007 I moved back to New York and got a job working at one of the papers when I saw one of my old school friends worked there also. When I saw her I was shocked to see she was covered in bruises so I dragged her into the ladies room and forced her to tell me what was going on. She told me that the man she moved in with did this to her at which point I told her she had to get out of the relationship. She told me she had nowhere to go no one to turn to. Looking in her eyes I saw the frightened little girl I used to be and told her she did now, she was moving in with me and I was going to help her. Later that day we went to hers and packed up her things and moved them all back to mine. It felt kind of strange letting someone in but she was an old friend and needed my help. It was the least I could do for her as she and her family had been so kind to me as I was growing up. I helped her find her own place get a great job and we even found her a great guy who has been warned that if I ever hear that he has hurt her I will track him down and make him pay for it. 

Once she was fully settled and happy I started to look once more for a new job and ended up finding one in Arizona, met a man, got engaged but unfortunately due to his work we had to part. I lived quite happily for awhile even after my job finished, and the man I had loved had left. I had managed to find a place I thought of as home, not that I spent a lot of time there as I spend most of my time at the home of my brothers, but eventually the lack of having things to do, despite the fact running after Klausy at times kept me busy, and the heartaches I had felt from letting people in only to lose them began to make me yearn for another new beginning and luckily for me I got one with my other brother. 

 Now here I am in England working for the vampire king of Britain, my brother Graham. It has given me a fresh new start in a brand new place which was exactly what I needed and i am loving every moment of not only my work but being able to spend more time with my brother.  

[weannoyingbouquetgalaxy-blog1]

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"texas insurance health

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Will the Insurance company fix my car?

Couple weeks ago some idiot ran into my car. His insurance company is only Liability, and car damage is covered for up too $5,000 in damages. So here is the deal....the Kelly Blue Book value of my car is about $9,500 and the insurance company wants to salvage my car. Can this be possible? I mean my car is worth way more than what the damage is, and I spoke to the claims department and explained my situation and they said if your lawyer (my lawyer) and the body shop guy who is going to fix my car signs off mentioning that they can fix my car for $5,000 then I can get my car back. But please help....do you guys really think I will get my car fixed and back or will I be stuck with only $5,000. Any advice is appreciated! My car is a 2002 Mercedes - C240 - 4 door sedan""

I really need a cheap auto car insurance?

i need a car insurance my record its not really that good!!! does anyone know about any car insurance that deal whit this kind of drivers on new jersey

How much my insurance will go up?

How much my insurance will go up? I had an accident which totaled my car. I am 100% at fault for that accident and my car worth 15000$. I have clear driving record and no tickets in past two years. How much will my insurance go up I am paying 900$ for six months

How can you get medical insurance in the State of Va.?

I have been turned down by medicare because My daughter makes to much money. Turned down by private insurances because of preexisting illness.

How can I lower my insurance rate?

I got a speeding ticket back in july of '04. My insurace went up recently. I am past the traffic school time. I live in CA. Is there anything I can do to lower my rate increase

Auto Insurance?

Why cant we have insurance on Auto Repairs. Where we pay a co-pay (like health insurance) or deductible and the auto shops are regulated by the insurance companies. We would pay more for cars that need more repair. Wouldnt it make automakers more interested in making a better car?

texas insurance health

texas insurance health

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

I have a varicocele in my left testicle. I have no medical insurance. How much does this operation cost to fix it? I know it will vary, but i want to know the AVERAGE out of pocket cost. This is in a midwest state.. Also, would doctors offer a payment option?""

Small business looking for new health insurance.?

I own a small business and my health insurance has gone up so much I can't afford it. I need a new agent and an affordable policy. Small group, just my family and 1 lady who uses it as a supplement.""

What happens if I lapse on my car insurance for a day ?

I read some forums online and it seems pretty heavy. Right now I am out of work and I am living on unemployment insurance. I can barely make payments using that. Anyway my car insurance is supposed to be cancelled this monday at 12:01A.M. standard time. I called them today to make a payment . But the local office is closed and the main office said they can't take anything less than the premium which is - $792.38. I can't pay that right now. That's out of the question. I want to be able to make the monthly payment on it so I won't get cancelled and get a lapse on my car insurance . What is a lapse and how will it affect me. because it seems like there is absolutely NO OTHER CHOICE , i have right now than to just wait for monday and call them to find out that it's cancelled and worse if they said , Since it's cancelled they can only accept the Whole Premium!! My new policy renewal date is from Oct 09 , 2010 to April 09, 2011 according to the id card But what happens if there is a lapse in my coverage? Can i be arrested or my license suspended because of this??""

""If women are such horrible drivers, why are our insurance rates lower than men's rates?""

If women are such horrible drivers, why are our insurance rates lower than men's rates?""

How much is homeowners insurance a month?

My wife and I are pricing out home purchasing possibilities, and are looking at homes ranging from 290,000 up to about 360,000. We need to have a feel for the payments, and wonder if there is a quick formula to help us figure out the approximate insurance costs each month? Thanks!""

Help with Insurance questions?

Hi, I am 22 and just got the red P in July in NSW. I want to buy a car driving to uni. I dont have much money, I just want to buy a car below AUD$5K, is it possible to ...show more""

How much will it cost to run a car in the UK (17 Years Old)?

I know insurance is a good 4-5k but how much does it cost to run (Fuel, Etc.) I have a job and I work about 15 miles away.. I drive about 100 miles a week and I work for 5 days during the week. Any help will be appreciated!""

How much do you pay for your car insurance? 10pts?

I have Geico and my vehicle is a lease...Jeep Liberty 05...I was charged $55.72 for this months insurance, it's always low but UM wtf??? How much are you paying? Do you own your vehicle/ lease? Year /Model? Thanks!""

Car insurance canceled my policy?

hi, my car insurance cancelled my policy one month before its due for renewal and half way threw a claim (car was stolen). they voided the policy from the date i took the insurance out 11 months ago, the reason they gave is that i am not the registered keeper and i didn't disclose this to them but i am the registered keeper because the name on the policy does not match the log book, this is a mistake i faild to notice. the mistake is on the log book my middle (second) name is in place of my surname so i sent them prove of my full name but they still cancelled my policy. is there anything i can do? i will be grateful for any advice. thanks.""

Car insurance for a 19 year old female?

I am a 17 year old female and I am hoping to pass my test this year,my plan is to pass my test and save a little more for my car and car insurance etc... I have my eye on small cars ...show more""

""Insurance- Cabin, not sure which insurance?""

We live ouside of Canada, but own property with a cabin on it. My dad and aunt own it. According to the insurance if one of the owners (ppl on the insurance) are not on the property (say, 500 miles away) if something happens (like someone falls breaks there leg) to someone we take there, we are not covered and could sue us. If my dad put me on the insurance would our aunt have the right to sell the property without us having any say? He thinks that if I am put on the insurance I will be on his half and my aunt will still have her half therefore giving her more power. Is there any way around this insurance and suing thing if I want to go up there with some friends without them?""

Can i put insurance on a old mobile home ?

I have a 84' model mobile home but i paid to have it remodeled so it's very nice on the inside. Well i want to rent it out so i want to put insurance on it in case a fire or etc. happens to it while it's being rented out . But can i put insurance on a mobile home that old ? and can i put as much as i want or does the insurance only cover how much it's worth ?

Can you ever get out of a Whole Life Insurance Policy?

Let's say you get talked into a whole life insurance policy by a greedy insurance salesman. Then 5 years later you find out the truth--that whole life insurance is a rip-off, and that your young family (say you have children ages 3 and 5) would be better off if you had term insurance. Can you get out of the whole life insurance policy? Would a penalty be involved?""

Auto insurance for a Ford Mustang vs. Honda Accord?

I am a 16 year-old female who currently has a 4.4 GPA. I took drivers ed when I was 15 to get my license. I heard that cars are ridiculous to insure for young drivers, especially ...show more""

If I own a business will I be forced to pay health insurance on my employees?

If I own a business will I be forced to pay health insurance on my employees?

I had a commercial accident in 2008 and looking for a chep insurance plz help?

I live in toronto i have been driving car with G licence since the end of 2000. i had a commercial accident in 2008 in which i was found guilty but no claim was paid. im still driving and looking for chaep insurance for a car. anybody's advice would be greatful.

Vespa Insurance Help...!?

So I've just got a new Vespa LX50, 2009 - I'm 16 and have a provisional license and CBT. Does anyone know who the cheapest/best insurance providers are for scooters for young people - all the price comparison websites say different things, and that's no good. I'm looking for answers based on pass experience. If you're a young person and ride a moped/scooter - who do you use?? Thanks!""

Motor insurance policy q2?

hi contemplating on making a second claim. how does this effect my renewal premium? situation is the policy holder had an accident where the third party was at fault and this claim was dealt with few months ago. now a named driver had a piece of metal flung at the car. the excess is only 50 and estimated cost to repair independantly 150-200. but i'm not sure how much premiums usually go up by? if for example making a second claim bears not much difference as a claim has already been made then I might as well do it through insurance. If making a second claim bumps up the renewal considerably higher then maybe I should just pay 150-200 GBP by independant garage and save on my premium?

How could higher deposit insurance premiums for banks with riskier assets benefit the economy?

How could higher deposit insurance premiums for banks with riskier assets benefit the economy?

Car insurance policies !?

a friend of mine said she had light house insurance.. she claims she pays X amount of money for a basic car insurance policy every 6 months.. keep in mind, i live on long island.. what kind of car insurance company offers a 1 payment policy every 6 months ?? my current insurance policy is expensive, i feel like theyre stealing from me.. please help out, i know there are A LOT of insurance companys..""

Affordable Healthcare Act (Obamacare) - Survey question ideas?

I'm doing a sample survey for Social Science. I have to come up with 25 questions pertaining to my topic of inquiry. My topic is The benefits of the Affordable Healthcare Act, which is informally known as Obamacare. My hypothesis is the Affordable Healthcare Act would be beneficial if it was slightly altered to exclude the individual mandate. I need ideas for more questions, outside of the demographic questions. Here are the eleven questions I have so far: Do you have health insurance? Yes. No. In the process of obtaining a health care plan. Have you ever heard of the Affordable Care Act, the American health care bill signed into law by President Barack Obama on March 23rd, 2010? Yes. No. Do you understand the key aspects that make up the Affordable Care Act? Yes. No. Somewhat. Did you believe that there was a problem with the current state of health care, and that it needed reform? Yes. No. The new Healthcare Act is going to be funded through a variety of new taxes and offsets. This includes a new Medicaid tax imposed on people that make over $200, 000 and $250, 000 annually, and a 40% tax on premium Health Insurances. There will also be new taxes on medicine, high cost diagnostic medical equipment, and a 10% tax on indoor tanning services. Do you believe that the imposed taxes are worth the sacrifice, so that more Americans could have health insurance? Yes. No. The U.S. Supreme Court is currently reviewing the Affordable Care Act. Several U.S. states are questioning the laws constitutionality because the law requires Americans that dont have health insurance to choose an affordable healthcare plan or pay a fine (this is called the individual mandate). Do you believe that the Affordable Care Act is unconstitutional on these grounds? Yes. No. Not sure. If you do believe that the individual mandate is unconstitutional, do you believe it is worth the sacrifice, so that more Americans could have health care? Yes. No. Does not apply. Do you believe that the government could still make the policy work if they exclude the individual mandate, keeping in mind that this would likely require more tax increases in different areas? Yes. No. Maybe. Having a basic knowledge of the Affordable Care Act, do you think that the government should abandon the policy and work on a new one? Yes. No. We should wait and see how this one turns out first. Do you stand to benefit from the Affordable Care Act? Yes. No. Not sure. Do you have any friends or family members that stand to benefit from the Affordable Care Act? Yes. No. Not sure.""

Can I get auto insurance through another company if I owe on another insurance company money?

I lapsed on my old insurance policy and do not have the money to pay it off. My registration expires tomorrow and I need insurance in my state to register my vehicle. Will another company insure my vehicle if I still owe money to another insurance company?

How much does liability auto insurance cost in Florida?

I am coming up to 21 years old, and moving to Miami in August for a year with a student visa. I am told that it's very useful to have a car in the USA, and as I am a car owner in the UK with almost 2 years of comprehensive with no claims, I was hoping that I would be able to purchase a car in the USA. Will this be possible and at what price?""

How much does insurance cost for?

Hi! I'm a 16 year old male that lives in Kentucky, and i'm getting a truck soon, it would be my first vehicle. Its going to be a mid 90s or late 80s truck. I'm wanting to know how much insurance would cost on average? Any help would be greatly appreciated.""

""Is a Ford Mustang, Chevy Camaro or a Dodge Charger good for a first car?

My friend is 18 and goes to college and he has a Ford Mustang. I know its a sport car but is it good for it to be a first car?

texas insurance health

texas insurance health

Where can i get cheap car insurance?

Ive tried compare the market and a few of the other leading companies but they all a bit to high for me - whats so annoying is when i find one thats suitable it ends up higher than the listed price. Anyone know of a good one

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

Why cant you chose whether you have insurance or not?

17 year old girl insurance?

My dad is a mechanic and will only buy me a 1.0 for insurance and cost. I want to know how much would it cost me to insure a Citroen Saxo when i have my full liscence in 6 monts?? I was told it is also possible to be a name driver on one of my parents insurance. How much would that cost??

Can i change my license address to be covered by car insurance?

background info: -17 yrs old, male, got my license in january so its provisional, live in california. so i contacted my mom's auto insurance (liberty mutual) and they said the only way i would be covered as an occasional driver without being listed is if i didn't live in the same household otherwise i would have to be listed. so would it work if i just changed the address on my license?""

Insurance quotes questions?

Im shopping around for car insurance but when i go online to get a quote, they always ask for a phone number and address and the reg of the car. But im only looking for estimates as I don't have a car and im only wondering how much different cars might cost to insure so how am i supposed to tell them how much the car's worth and all that. I dont want to leave my number because I dont want phone calls asking if i want their insurance or not. Any good way to handle this?""

No license/expired registration/insurance in full effect and new title...? In NY.?

License expired 6 months ago and I have kept up with insurance even though my vehicle just sits in a garage. I'm in NYC and in college so there is no reason for me to drive for the past 2 years. My insurance company renews the policy every 6 months and my insurance rate is still that of Upstate NY where it is at least $1,600 cheaper. NYC is $600 more and I was told that I would have to cover my brother who is under 25 (not allowed to drive my car nor want to) just because we share the same address. My insurance company seems to be using my last registered address so I have been too afraid to renew registration and notify my insurance company of updated address. Recently I got around to changing the title to make it legit; the vehicle was what I won in my divorce settlement. Vehicle is also completely paid for and completely mine. Question is, with the title now under my name, do I need to register it right away? Would my rates automatically go up (they will use new NYC address on title)? Do I need to notify my insurance company of the changes if I am not driving the vehicle for the next 5 months? Will they even know?? I ask these questions because I am a full-time student who do not work so I can't really afford the extra costs in insurance. I hope to get a job in May '10 right after I graduate with my Bachelors and move to NJ where I hope to live and work. At that point, I would care less about how much they want to charge me. I am just concerned about the ramifications of not updating address or registering the vehicle for another 5-6 months. Thank you!!""

How much cost an insurance in massachusetts?

I am not working and I will need an insurance.

Auto insurance in California?

I bought a car in Aug 09. It's under my dads name for cheaper insurance purpose. But I never really got to the insurance part and have been driving w/out it. I just got a letter in the mail from the DMV saying my registration is suspended because I haven't provided financial proof... So I went earlier... and if my dad were to add the car and list me as a 2nd driver on my car, I would pay too much :| So the question here is... if my dad were to add the car and not list me as a 2nd driver, will I be covered? I really don't give a crap if it's fraud or not, just need to know if I will be covered since he will be lending me the car. Only place I really drive it to is work, and I work overnight so there's no cars around! ..and weekends. Plus with gas prices this high I stay below the 1.5k rpm's.""

How to get cheaper car insurance?

im 17 and just passed my driving test, Ive got a 1.4l Peugeot 106 but I can't find car insurance any cheaper than about 3500 no matter where I look! I've spent hours looking online but it's all too expensive. Anyone know any cheaper insurance companies or have any tips??""

Why are insurance companies under the Obama health care plan allowed to not cover existing medical problems?

How is this making health care affordable? My physician wrote a letter stating I have no complications, but the letter BC/BS sent me was that under the Obama health care plan they do not have to cover my thyroid or anything related to it. I am a widow, unemployed for 1 1/2 years and pay for my own health insurance. Will you do anything to change or eliminate this health care plan?""

Does anyone know about medical insurance for low income famlies?

I know a famliy in California they make 1300 a month. Is there no goverment insurance plans for young people like this>

Where can i get less expensive car insurance for an 18 year old student with a 2000 mustang?

Well this may sound like a long shot, but I just recently bought my son a 2000 Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly $500 a month, even with a 1990 honda junker it still cost nearly $400 do these prices seem reasonable, i can't recall them being that high, when i first got insurance, thanks.""

What factors affect car insurance premiums?

My mom is going to give me her old car once she gets a new one, and she said insurance is about $100/mo. My friend asked what insurance would be and I told her, and she thought that was really low The car is a 1999 saturn SL1 and it's standard, is the insurance cheap for this car? My mom has a great driving record I'm now wondering what affects car insurance premiums? I know age, gender, driving records, and other stuff.. but what else?""

Which dental insurance/plan?

i recently came to the US from UK and i have 2 teeth at front that were once chipped and now built up with 'cement'. i plan to possibly have a couple boxing matches while im here. so im looking for a purely dental plan that covers things like the possibility of my tooth chipping again etc. but would also like basic dental coverage while im here too (as my wisdom teeth are coming through n its possible i might need them removed?)

Health insurance for my wife at a low rate?

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

How can a non insured pregnant lady get a health insurance in california that covers maternity and delivery ?

California Health Insurance for a pregnant lady

Are Honda's usually expensive on insurance?

Also what are some good looking cars that arn't to bad with insurance (I know that it all depends but still) oh and we have geico, thanks!""

How much should i pay for old car insurance?

how much the cheapest insurance for old car? i have a used honda.

What is the cheapest/reliable car insurance company in Miami Florida ?

I have clean record, 34 years old.""

""Insurance estimate on Integra, Mustang?""

Hey. So I am getting my first car in a couple months, and my dad said I could choose which car, but keep it in a low price range. I've always liked Integras, since I was little, and I always wanted it to be my first car, so thats in consideration. And my dad said get a mustang. I would like to know how much insurance is on each? The cars would be- Acura Integra 1996-2001 (LS, RS, SE, GS) Under my dads name (age 50) I would be secondary driver Silver or black or white Roughly 150k miles Maybe 25 miles a day Would buy used around 2000$ - 4000$ Im aware its a luxury car, thus insurance being a tad more expensive How much would you think insurance would be? We have Progressive but I just want a estimate - Maybe like the average of how much people with integras pay for insurance. Mustang 2004 Under my dads name (age 50) I would be secondary driver Black or silver Maybe 100k miles 25 miles/ day Used around 4000$ - 5000$ Not luxury, but its a sports car, Im guessing insurance is more expensive for it""

Car Insurance for Highschooler with good grades?

Hello, I'm getting a car soon and my family has Statefarm. I'm getting a 2008/2009 Honda Civic. I'm 16 and I had straight As first semester, and 1 B second semester. Do you know how they're good student program works? How do I show/prove my grades? I didn't pick up my report card but I can easily go over to my school and do so.""

Which is worse on insurance costs or points a DUI or not haveing insurance?

My insurance company has on record that my husband had a DUI 2 years ago, but he didn't I got the paper work to show that it was a driving without insurance charge but I want to know which is worse to the insurance company.""

How to cancel a car insurance?

I am about to switch to Progressive and I was wondering if I have to pay my current Car insurance just to cancel it. I pay about 257 every month and I want to know if I have to pay them just to cancel as soon as i switch with Progressive.

How can i get a german Health Insurance from outside of germany?

I need to have Health insurance accepted in before i go there. i will be staying there. I cannot find any way to sign up for health insurance from outiside of germany.

Buying car insurance for a used car?

im buying my first car, used. and all i have knowledge from are from the internet. i live in California. when i see tv commercials, i often see the buyer being able to purchase their insurance when they are on the CAR dealer. my question? when is it do you get insurance? BEFORE OR AFTER YOU PURCHASE A CAR? also when getting quotes online, you have to add the car that you OWN, so im guessing you have to buy the insurance after AFTER?, BUT the policy seems to start the day after you purchase your insurance, so does that mean your driving the car illegally for a day?? if you were to buy the insurance (online) before and have to add your car, im guessing you have to be SET AND SURE you are getting the car when your policy starts? none of my friends knows about this because their parents own it and they don't care about their insurance... im so confused. help me.""

texas insurance health

texas insurance health

https://www.linkedin.com/pulse/state-maryland-insurance-license-renewal-isaiah-rice/"

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auto insurance fast quote state farm

"auto insurance fast quote state farm

auto insurance fast quote state farm

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

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93 prelude

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Ok. How much would car insurance cost on a 2007 BMW 335i coupe for an 18 year old driver with about 33,000 miles on the car. Also, how much would a 1999 ford Mustang gt witH 121,000 miles on the car for an 18 year old driver. the bmw will b in a covered shared lot while the mustang will be parked in an uncovered shared lot. We live in pheonix arizona. My car, the mustang, will be used for driving to work, as well as going to class. Same for my boyfriends car, the bmw. School is 4 miles away and work for me is about 25 miles aeay when his is only 1.5. Thabks for everyone who helps(:""

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Ok, I know you're just going to tell me that I need to have a car first or that I'm too young to have a motorcycle and I need experience and all that ****. But I'm 17 and I want a Honda Shadow Spirit 750 (which I've been told is a great starter bike) I am a safe and cautious driver, if I get one I'll have a helmet, gloves, pants, jacket, boots, etc. I'll take a class for it (which is required in the state of Fl), I've also already had driver's ed last year and I may take another one. I'm th exact opposite of the douche bag teenager on a crotch rocket with no gear weaving in and out through taffic going 90mph in a 45mph zone. In the state of Fl legally you don't need insurance for a motorcycle but I'll have it anyways. I was thinking of maybe putting down $2-3000 and getting a loan for the rest. My mom said that with a load I have to have full comprehensive coverage because I don't own the bike yet. Can you give me an estimate of how much the insurance would cost for a 17 year old male with driving classes and gear and a 3.8GPA, and I'm only going to school to home or to school to work then home (I don't get out much because I don't have many friends) and I have State-Farm. Also how much do you think the monthly payments will be? I'm working on getting 2 jobs. Please and thank you. And please don't be a douche or try and shoot me down or whatever to make yourself feel better about yourself, just please answer my question to the fullest :)""

(uk only) who is the cheapest for car insurance?

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What is a 1989-94 Nissan 240sx considered as?

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Health insurance eligibility event?

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Car insurance box rules?

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Auto insurance: Found Wawanesa cheaper than Mercury?

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

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Should I insure brand new car?

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How much would bike insurance cost me per year?

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Cancelled car insurance?

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Car loan & insurance?

My husband & I applied for a car loan. We are both still under our parents insurance because it is cheaper like that for now. Neither one of us are listed on their insurance as policy holders. We are only listed as covered. If we plan on buying a car with our approved loan, does his dad need to be on the loan as well because the insurance is under him? If so, does that mean that I need to come off the loan and that he needs to reapply for a loan but with his dad? We live in California, I know some states have different laws about insurance. Hope that makes sense & someone can help. Thanks!""

Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""

Private health insurance and medicaid?

My niece who is pregnant works full time and has private health insurance through work. Is she still eligible to get medicaid even though she already has insurance? I thought that if you were pregnant and low income, you'd automatically get medicaid. She makes $10 per hour, so I don't know if that will put her into the poverty level income. She has no other kids.""

How much can I expect my insurance to be?

Alright, I'm seventeen, I'm looking at a 1992 Acura Legend L, I'll be on my parents insurance (three other cars: pickup, SUV, and muscle car; no crashes that I know of), I'm a great student (top tenth of my class). I have to contribute my share of the insurance so I was wondering how much that might end up being? Anything else you need to know?""

auto insurance fast quote state farm

auto insurance fast quote state farm

How much would my car insurance cost?

im 16 years old and i have a job i have 2 grand saved up in the bank and my gpa is about 2,6 would it really be expensive or not the car i am drving is a 93 honda acorrd""

In California I Pay $16 for my two kids' health insurance as low income family?

can I do the same in New Jersey? I am afraid to move to a new state whereI don't know the roads and malls but may have to for a better life

HHEELLLPP!!!!! with TEEN car insurance!!!!?

I would like to either add a 17 year old to an insurance policy or get one specifically for him..... i called geico, but they said they dont insure teens!!! What can i do? THANKS""

How much home insurance should I get?

I just bought a house for about $180,000. I am looking for homeowners' insurance, but I am confused as to how much I should get. Should I insure for just the replacement cost of rebuilding the structure, or for the % of the mortgage I am financing. I got 3 different quotes, and they were for $396, $502, and $858. The lowest one was for $396 b/c it was with my car insurance company, but they will only insure the cost of rebuilding the structure, which they estimate as $110,000 (the house is small and in a decent neighborhood.) The second company wanted to insure me for that, but I got them to quote me on $140,000. That amount, when you add in the 25% overflow they allow you, meets the 90% of the mortgage amount I am financing. The 1st company would not do that for me. The 3rd quote was for $140,000, and was with the people w/whom I have had renter's insurance for 12 years. The only difference was that there was not a wind damage deductible of 2% on the 3rd quote. My loan officer says to just get enough insurance to rebuild the structure. How much insurance should I get?""

Can my car insurance provider kick me out of grandparents house?

after my mom n sister moved into an apartment downtown ive been living with my grandparents. i have no job, i cant afford school, so i basically just help out around the house since they are in their 80's. recently i was told by my car insurance provider that i had to pay for the insurance for me to be on the grandparents car or move out. the reason i have to move is because apparently im too much of a liability for them, when i haven't even had a car wreck or anything with my own car just a year before. can they legally do this in my state (michigan) or even federally? im 21 not 18 and again ive been driving for a while before i was put on their insurance. oh and the best part about this situation, is that their auto insurance agent is my biological aunt. Can someone help please? They really need me back at my grandparents house.""

Pay as you go mobile insurance?

hi i am about to buy the new nokia 5800 for 250 any sugestions for insurance and how much will it cost?

""How can Insurance companies, all offer cheaper deals than each other, CRAZY?""

So let me think, One company says come to us we will save you money, next advert says come to us we will save you money, another will say come to us for cheaper deals, how can you be cheaper than the other company if they are doing cheaper deals than you, is this crazy or am i.""

Do you pay for motorcycle insurance all year round?

I have my M1 and am taking the m2 course in may but I will not be riding by myself until June. The insurance companies want 4600$ a year (18 male,Ontario). Do I still pay 4600$ for the remaining few months I can ride or does that cover me until June o next year? Someone please explain. Thanks""

What type of insurance is better: private healthcare insurance or union insurance?

I used to have Kaiser Permanente but now I'm on a union healthcare plan because my mom works at a grocery store. I used to always be able to see a therapist a few times a month no problem when I had Kaiser, but with the union insurance I tried to go and after a few months it sucked up all the money in our insurance and we couldn't go to see any more doctors until the next year. Should I switch back to Kaiser? I'm mostly concerned with being able to see a therapist a few times a month, maybe a dermatologist a few times a year(currently I'm being treated for my acne), and being able to get contacts and a yearly eye exam(which I can do with my current insurance) and also being able to see a good dentist biannually(I can also do this with my current insurance) So pretty much all I'm missing is the mental health care I want! Would Kaiser be able to provide me all of this? Thanks in advance for any helpful input""

About Health Insurance?

I just went for a job interview this morning, and it seemed to go well. When I was asked if I had any questions about the company, I inquired about their health plan. She turned a little red and said they offered Blue Cross Blue Shield (not uncommon in my region), but then went on to say The company covers 60% and the employee, 40%). She went on to give an explanation about how BCBS charges the company based on the average age of all employees (which in this company's case, is about 45 or something). Anyway, my question is this: What do you think about that? 60 to 40 equation? I'm thinking that my 'out of pocket' (for family - my son and I) will be quite high, and my co pays at the doctor/dentist will be as well... Can anyone help please?""

How much is car insurance for a 16 year old in CA?

anybody know?

Insurance Prices please help?

I want to know how much insurance will be. I need auto, health, life, and renters insurance. What prices do the top insurance companies promise for auto, health, life and renters?""

My girlfriends car insurance has been cancelled by the insurer!?

my girlriends insurer has sent a letter to my girlfriend saying that they have made a mistake with her insurance after she has been driving for about 3 weeks. they say that she now has to pay 12000 or cancel her insurance. the issue is that they have already taken 780 of her. and also if she cancels her insurance she will not be able to getanother reasonable quote again! My question is is it illegal for them to do this!? and how do we go about getting it back without her next quoting flying through the roof?

Two hit and run claims in one year ... are they gonna stick it to me with my insurance rates?

One car parked outside my house, got sideswiped earlier this year and of course, I had no idea who (middle of the night hit and run). I made a claim against the insurance to fix it, and they ended up paying out about $750. My OTHER car had the same thing happen to it yesterday morning (I found out when I went to go to work) so I got an estimate at lunch and it's gonna be at least $2500 to repair THIS damage (at the insurance companie's preferred shop). No suspects, no witnesses, nobody to point the finger at. $250 deductible I can manage to scrape together, but ... will my insurance company (Nationwide) hike my rates, and if they do is it likely to be a little or a LOT ? I've had them for four years, I have mediocre credit but a spotless driving record, and now TWO no fault claims in 2008 ... I haven't called them yet to report it, but I probably need to TODAY if I am going to ...""

Whats the car insurance trick?

you know the ads that say you could pay $36 a month for car insurance in ga? whats the trick?

Do you need insurance to take the Texas Driving Test?

I'm gearing up to take my drivers test, but I'm not sure whether I need insurance for it along with my VoE, Birth Certificate, ID, & SSN""

""Just passed driving test, INSURANCE!!!?""

I just passed and for insurance on a simple 1 - 1.3 lt, the cheapest i have found is 2200. IS there any cheaper way?""

Health Insurance Question?

I am 19, and I am Diabetic. I would like to move out of my parents house, and start living independently. Is there any Health Insurances out there that are government run that could help me get a cheap Insurance rate? Oh, and I live in Ohio if that makes any difference.""

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

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

Is there a federal law that requires us to buy car insurance? Why or why not?

Is there a federal law that requires us to buy car insurance? Why or why not?

Whats the cheapest auto insurance for an 18 year old male?

Got a job and kind of looking towards to putting my truck under my name but i was just wondering what the cheapest insurance would be.

Can the Insurance company charge me 20% of repair?

I'm in California, I have full coverage, my insurance company is telling me they can charge me 20% in addition to the deductible if I don't use one of their shops, can they do that?""

Which car insurance company fit what I want?

Hi, I recently cancelled my car insurance from State Farm because they were over-charging on my bill. I am 19 years old, and have a new car (Honda Accord Coupe) which is a 2 door which is considered a sport's car. Because I'm a young driver, and it's a new car, and it's a sports car my insurance was off the roof. I want to find another car insurance that will have fair coverage and is affordable for me. I live in PA if that helps as well...""

Is my insurance company responsible !?

I recently submitted a claim to my insurance company an it was rejected . At some point during some severe weather something struck our roof causing water to enter . The rain water caused the sheetrock ceiling to crack and start to collapse . We were told by our insurance provider that this was caused by a manufacturer defect . The manufacturer checked the damage and disagrees . I also disagree being that we have lived in the home for four years and this the first appearance of water . what should I do next ? I have already submitted statements from the manufacturer . The insurance company has also declined to renew our policy because of the damage .

How much will insurance go up with with a speeding ticket and now I rear ended someone on the freeway?

I have Allstate Insurance in California. I got a speeding ticket in Nevada. And it was either hit a semi or rear end a car on the freeway.

auto insurance fast quote state farm

auto insurance fast quote state farm

Best car insurance for college students?

I need to know what the cheapeast car insurance is... ....

DReam asks Can i buy health insurance?

I am a dreamer & i see i dont qualify for obama care i got that but i want to know if i can buy health insurance from a company or something?? Im abt to work in a plant & they required health insurance...

""Wife and I separated, why she want me sign an auto insurance exclusion form ?""

My wife and I are separated. she keep changing insurance. she brought her own car its in her name. We live in different towns.she trying to insured in only in her name, she told them she was married so she wants to qualifies for the discounted married rate. an exclusion form need signed and wants me to sign it. i have my car in my name only as single rate with perfect records.""

How much would insurance for three months cost?

I'm in a sport, wrestling, and i need insurance for at least three months soon. If you know how much insurance like that costs for a company like choc, that would be great because that's where I got it from last time, also i prefer it to be cheap""

IM 19. I HAVE A FULL PAID CAR. WHAT IS THE CHEAPEST INSURANCE I CAN GET?

IM 19 YEARS OL. I HAVE A FORD CONTOUR. WHAT WOULD BE THE CHEAPEST ROOT I CAN GO FOR ONLINE INSURANCE. ALL I NEED IS COVERAGE..HELP!

How much is car insurance?

I have a 2007 GMC Envoy and I am about to get my licence. The car used to belong to my parents but was given to me as a gift. I'm wondering how much insurance will cost me if I go through AMA? I've taken the drivers class and have the certificate, so there's a discount there.""

Does anyone know what age i can start classes to be an insurance broker?

Well yea im looking into that ....well my mother is to be more specific but yea it would be halpful if anyone could give me some sites or info on how to be an insurance broker. Thanks!

Can I Buy A Motorcycle And Insure It With A Motorcycle Permit In California?

Can I? I'm 17 Years Old with a California motorcycle permit. Can I buy a motorcycle on my own and get insurance on it?

Does where you buy the car affects its insurance?

so im thinking about buying my first car, i know that the kind of car i buy will affect my insurance, but what if i buy the same car (lets say a porsche 911 turbo) in an auction or on craigslist (which would be significantly cheaper). would i have to pay the same price for my insurance or ould it be cheaper ...""

Can someone tell me the best Car Insurance in the UK?

And no this is not like homework you have to fill in soo much stuff just to get a quote so Id like to know what insurance company do you think is the best. Im getting my new car tomorrow and want to drive away legit so I need to be insured on the spot and I aint using the insurance company I was on before...

Life insurance.........?

my boyfriend wants to get life insurance. he's 18, healthy, doesn't smoke. what's the best company to get it with ?""

I can't help wondering who is going to pay the Doctors when everyone is paying for affordable insurance ?

And there are safety nets for drugs costing 100s of dollars and hospitals that cost billions of dollars to run. Who is going to pay for it? Seriously. The ACA? The small amount of money the Insurance companies collect because I assure you it's much less than the Cadillac Plans of yesteryear

Car Title and Insurance?

If I finance my car under just my name can I then title it under both mine and my mother's name and get insurance using her address?

How much is car insurance for a 16 year old girl in texas?

I'm going to be driving a ford I think f150 the year is no later than 2004. I know they have discounts for students with good grades. My gpa is above a 4.650. I need the cheapest I can get. Because aside from managing insurance on this vehicle. I will need to put money aside to purchase a different vehicle. (I'm borrowing the truck, but must pay my own insurance.) And battle school. I won't make a lot of money, so I have to try with what I will have.""

""I'm looking for car insurance, is the General a good car insurance? Are they reliable?""

I have 21st century and my premium is high, so I looked into the General and they're only charging me half of what I'm used to, but in case of an accident, do they really back you up. I have heard of some crooked companies, would this be one among them.""

Difference between term life insurance and permanent policies?

My insurance company is offering a term conversion credit if I switch to permanent insurance. What's in it for them, and what is permanent insurance? Whole life? Any benefits for me to change?""

Whats the best agency to call to get homeowners insurance? single family cape cod style.?

Looking for good home insurance rates

Adding 18 year old non-owner to car insurance.?

I am now 18 years old but have not yet gotten my driver's license because of the rate increase before I turned 18. I have had my learner's permit for 3 years and have a perfect driving record (no tickets or accidents). I do not own a car right now. So, I need to know if A) I need to be added to my parent's policy in order to drive their car once I get my license, and B) if so, how much more will the insurance be? I live in Florida.""

Cheapest car under 1000 to insure?

I'm 17, male and want the cheapest insurance possible.""

""In NYS can I make auto payments on a car in my name, and have the insurance in my boyfriends name?""

Will the car dealer have a problem with the insurance being in his name because I am only 20 and been driving for a year so my insurance rate is alot higher than his but the car is for him, so its not like I am going to be driving it I am just putting the loan in my name to build my credit. Is that against the law??""

Is this normal for home insurance?

I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?""

Homeowners insurance question?

I've carried my auto and homeowners insurance with State Farm for about 15 years. I've had multiple auto claims but only one claim on my homeowners poicy. I had my roof replaced about four years ago when most houses in the area were damaged by hail. I've been very happy dealing with state farm but I'm considering a change to travelers. Travelers sent me a quote that if accurate reduces my homeowner insurance to about $900 per year as compared to the slightly lower benefits from State Farm which is costing $1200 every six months. What opinion do you have of these two companies and what do you base it on. Will Travelers drop me after the first claim and do they pay claims quickly? Please give your opinion on my making a change. Thanks.

Is this typical for insurance for a 17 year old?!?

I just bought my first car Saturday. My dad went to the DMV to get it registered and insured. Then, he called our insurance company to get a quote for how much driver's insurance is for a 16 year old female. If you take driver's ed, watch a state farm video, and have a G.P.A above 3.0, comes to.... $88 A MONTH!!!! That's with driver's ed, and a G.P.A above 3.0! Now my parents are really upset, 'cuz that's thousands of extra dollars a year--not on gas, not on the vehicle itself...Just insurance! They're not sure I can get my license now b/c of it. This really frustrates me. I will be 17 in a couple months, and I really, really, really want to get my driver's license. I have a car, I'll buy the gas, but the insurance is astounding! So my question is, is $88 A MONTH typical for other companies/ or in other states (We're in AZ).""

Are there any Insurance companies in the Philippines that have Mortgage Protection Insurance?

Any companies that have this certain type of insurance directed to people paying off a house or a property?

Would vehicle wrapping my car a different colour effect insurance cost much / at all?

Hi I work at a vehicle graphics / signs company Weve had an idea that my car would look amazing in a different colour and we can get the wrapping material in cheap. So it will be about 40x cheaper than spraying. I have also seen a carbon wrapped golf the other day and it was perfect. Only question is if i was to make the colour change ( car doesnt usually come in this colour) would it make the insurance cost go up much or at all? Also same with alloy wheel spraying? Many Thanks

auto insurance fast quote state farm

auto insurance fast quote state farm

I wanted to now about car insurance liability?

my boyfriend is on his mums insurance, but the other day, he had a little bump, which wasnt his fault, the person in front kept breaking spontaneously on a very busy road which caused him to slightly go in to the back of her car, theres no damage to his mums car and hes says (and i fully believe him) that the only bit of damage to their car is a few screws missing, yet they have still got the insurance company involved, but he really wasnt liable for the little bump, it wasnt his fault, the other person kept putting breaks on and i know you can fail your test for breaking like that on a busy road, i just want to know what will happen about his mums insurance now as hes really worried.""

I have have 14 points on my license i need a cheap insurance?

some companys have a limit on points

Need advice on qualifying for subsidized health insurance?

I'm an older full-time college student and my husband works full-time at Walmart. In the past three years, I've been through 4 cancer related surgeries, which were paid for by the breast/cervical cancer Medicaid program. Unfortunately, follow up care and monitoring aren't covered and I was dropped from Medicaid. I'm now on my husband's health insurance, which is basically worthless because our income is under $20,000/yr and the policy has a $4500 deductible plus 20% after. I haven't seen my oncologist for over a year because we can't afford the expensive scans, biopsies, and lab work associated with cancer follow-up with a deductible that high. I thought my situation would change in 2014 with Obamacare. I recently learned from the healthcare.gov website calculator that our income is low enough to qualify for expanded Medicaid (which our state decided not to expand), but I don't qualify for the health insurance subsidies I desperately need because the outrageous deductible health insurance from my husband's job covers spouses. How can a couple with an income so low they would qualify for expanded Medicaid be ineligible for subsidies? I am completely devastated over this and I don't know what to do. Not being able to afford cancer follow up care is putting my life in danger. Even if my husband's employer (Walmart) quit covering the spouses of full-time employees, I think that would only apply to new hires because of the grandfather clause. If getting subsidies was based on income alone the way it should be instead of access to employer provided coverage, I would qualify for a zero deductible policy and $3 co-pays with a monthly premium of around $60. I could then afford the expensive health care I need. We live in a college town so if my husband got a different job, he'd make even less than he does now and we would probably end up homeless. If my husband transfers and we move to a state that's expanding Medicaid, I'll have to quit school and get rid of my German Shepherd and Siberian Husky since it's almost impossible to find a landlord that allows them. We thought another option might be to get a divorce on paper and co-habitate until our situation changes (completing my degree and getting a good job so I can afford the deductible), then re-marry. When I asked about that, someone actually accused me of wanting to commit fraud! How can anyone think of something like fraud when a situation is endangering someone's life? I am desperate to somehow qualify for health insurance subsidies without lying, which could get us in trouble. Any ideas?""

""If i have full coverage for car insurance that covers theft, how much should i get?""

esurance if it helps, do i get what i paid for the car when it was new or the bluebook value""

Cheap young driver insurance?

im 17 and im looking for some cheap car insurance and on the price compare websites it is too expensive does anyone know of a company that does it for a fair price?

Insurance plan for emancipated teens?

So I'm leaving for Texas/Mississippi this summer and if I enjoy it down there I would be able to live with my sister and be able to go to school . . . but the thing is my parents don't know if I would be able to go to school down there without them signing the forms and what not since they live up here in Oregon . . . I'm 17 I'll be 18 in about 8 months but till then my mom was considering giving up legal rights to me (not because of family issues) so that i would be able to sign the forms myself yada yada yada now the thing is if there rights are terminated I will no longer be on there health plan or any insurance I honestly know for a fact that I'm not able to provide myself with insurance and any other adult type amenities I'm wanting to get my HS diploma and go to collage and become a Elementary Teacher for underprivileged children in Mississippi and or Texas so is there any insurance plans that help with kids who no longer have legal guardians but can't afford it? or is it possible for me to enroll into a high school that isn't in my own state and if so how!?

How much money would I get back on insurance if my car is worth $3000?

I recently totaled my car...just wanted a rough estimate on how much the insurance check might be. 1998 Mazda 626 dx/es manual 129000 miles

Would my car insurance pay out?

I was on the way home from work this morning after a 12 hour night shift at 7 in the morning on the m60 towards Bolton. A lorry driver in the fast lane needed to get across the lands and didn't see me in the middle lane so he hit the side of my car. The traffic was slow moving so it wasn't too hard a hit when when I looked at the damage it didn't look too bad at first just a bump on the side of my car and nothing to his so we didn't swap details, when I got home I realised it was worse than it was I've found a company that will fix it but will my insurance pay now? I'm with 1st central""

What are the variables included in the cost of car insurance?

What are the BASIC variables that are included in any car insurance? i.e...car color, car make, type of car, horsepower, year, age of driver, ethnicity...? Which things do they look at car wise/and driver wise that affect how much insurance you end up paying in the end? and does the speed of the car effect the cost greatly?""

""Does your car insurance go down when you turn 25? If so, how much...?""

Does your car insurance go down when you turn 25? If so, how much...?""

How much would it cost to add me on my dads insurance to drive his car? UK?

The car is a 2001 peugeot 206, 1.4 engine Personal information: I'm 17. Work stacking shelves in a super-market. No previous criminal offenses/anything bad related to vehicles. I need the car to commute to college every day, work and the gym. (Need anything else? .. If so, Ill add details)""

How much is health insurance for a 55 yr old women??

i live in southern ca and we are looking on getting a affordable health insurance for my mother she is 55 yrs... around how much will we be expecting on paying mothly... and what good health insurances are recomended??

Health insurance for dependent parent?

Am I correct that I cannot add my dependent parent to my health insurance plan at work And my dependent parent who lives in my household and has no income of their own cannot qualify for medicaid because of my income level?When applying for medicaid they ask for the household income not just the applicants income.If this is the case it is a very unfair situation for adult children who support their dependent parent.Whats even stranger is I was told that if I had a gay live in partner they could be added to my health ins policy? BUT not a parent? Is this really true?

""Car insurance, help!!?""

Hi I am 17, soon to be 18 in January! i have not took my test yet but it is very soon, if i pass i am looking to get a citroen c1 or peugeot 107, the maximum i am willing to pay on insurance is 2800, maybe 3000. I cant seem to find a quote reasonable anywhere, i dont know if it is something im doing wrong. I will not be getting the car until my 18th birthday so i would be 18 when the policy starts not 17 if that helps. Would anyone be able to help me???? thanks""

California people! who knows about teenage insurance prices?

I am moving from nc to california. i pay $150 every month for my insurance and i am 18. soon to be 19, iv been insured sense Nov 2010 any ideas on how much it would be for me in Cali? thanks :)""

Is buying insurance where i go to college ok?

I live in new york city where insurance is high as hell but i go to school where it is much cheaper. i also live on campus. am i allowed to buy insurance where i go to college? i spend alot more time at college than i do in the city anyways.

Is there a way to get inexpensive short term insurance for....?

An item like a video camera or video camera equipment. And say you wanted to rent them to people, is there a way to get insurance for those items while other people use them?""

Good Car Insurance Companies? For a young driver...?

I was wondering if anyone knew any cheap car insurance companies for a 17year old female? I've had a full licence since February of this year and was with Quinn-Insurance. I paid just over 2200 for a years insurance which runs out the end of next month. I know this is a good deal for a young driver but obviously I'd love cheaper lol. Any company names would be greatly appreciated for me to look into further.

95 Jeep Grand Cherokee insurance Cost?

New driver, just got my licence at 18 years old.""

Why are the insurance rates high on a Ford Mustang?

Why are the insurance rates high on a Ford Mustang?

Why cant I get an insurance quote because i'm under 18?

I went onto farmers insurance because that is what my parents have. I'm 15 but I'm turning 16 next year and have heard some real horror stories about car insurance for teenagers. I just wanted to check how much it costs but farmers says i cant get a quote because thats only available for people 18-108. WHY!? Are there any other insurance companies out there that I CAN get a quote for or are there at least any other ways that I can find out how much it will cost?

Are we going to have to have a secondary health insurance to insure against the newly sky-high deductibles?

Are we going to have to have a secondary health insurance to insure against the newly sky-high deductibles?

Driving without Insurance charge - I have Insurance?

A couple of weeks ago I got pulled over for an outdated sticker. When I handed the officer my insurance, it was last years paper (I cleaned out my purse the week before, I obviously took the wrong paper out). He gave me a ticked for the outdated sticker and a court summons for driving without insurance. He told me that if I brought proof of insurance to the station, he would cancel the court date (proof I had insurance before that date). So I brought the paperwork to the station, had another office photocopy it and leave it for him but I haven't heard anything. I don't want to assume that it's been dropped without having been told it is. Should I show up to court on the date just in case? What can I expect if I do? BTW I live in Ontario if that helps.""

How much is car insurance on average for a 17 year old driver?

I'm 17, and having to pay my own car insurance every month. How much is that going to cost me each month? I have Farmer's insurance.""

SR-22 insurance in Massachusetts?

I have a friend whose license was suspended in Rhode Island 6 years ago for failure to pay tickets. He went and paid them all and RI is requesting he purchases SR-22 insurance. He currently lives in MA and we don't have SR-22 insurance in MA. Any help on where to go from here?

auto insurance fast quote state farm

auto insurance fast quote state farm

https://www.linkedin.com/pulse/why-my-auto-insurance-quote-so-high-pa-william-brown/"

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Company owned life insurance?

"Company owned life insurance?

I am looking for a laymans explanation to explain the concepts of Company owned life insurance.

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

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What is a good Car insurance company comparison site?

What is a good Car insurance company comparison site?

If i buy 2008 BMW M3 - how much would i have to pay for insurance?

i am 17 years old Ontraio Canada the car should come in white, alarm system, no tinted windows fair safety rating...""

How much would car insurance cost for a 17 year old from allstate in california?

does it also matter what kind of a car it is? I have a 1999 chevy malibu

Car insurance quotes?

Any one know of any cheap insurance brokers , im 31 male , ive got 9 years no claims protected , i drive a BMW 323 ISE its nothing special 2000 w reg , my best quote is 613 , 61 per month , i think its a rip off my girlfriend is younger than me drives a audi a3 newer than mine she has 3 years no claims and hers is cheaper , wtf ? oh im a HGV driver for a living""

Should I cancel my car insurance policy?

So long story short -- I totaled my car in an accident which was my fault back in December, and unfortunately did not have collision coverage on my insurance policy. I am a full-time student and have been unable to afford purchasing another car since then, and do not know when I will be able to afford another car. Although I am now without a vehicle I have been reluctant to cancel my insurance policy because I was told that if I did, whenever I purchased another car and had to buy insurance again the price of it would skyrocket because I would be considered high risk for having a chronological gap in my coverage. So basically I am currently paying $80 a month for car insurance when I do not even have a car, just to avoid having it go up even more at some point in the unknown future after I buy another car. Is this worth it or would it be wiser to just go ahead and cancel my policy? I would like to get some other people's counsel on this who know more about car insurance and who are more financially competent than I am. Thanks so much.""

""Car insurance question, does adding someone to a policy for a car you own cost more? so 2 people for 1 car.?""

Okay, young and stupid here with car insurance I am moving to fla, from louisiana. I have a car,and my girlfriend does not have a car. At this point, she refuses to drive the car because of insurance issues if something happened. So, to the question! Will it cost me more money to add my girlfriend's name to my insurance policy, so she can drive the car if I do not need it? Basically, im just adding someones name to the policy for 1 car.""

Insurance rates with a paid speeding ticket?

I got my first speeding ticket ever yesterday and it was a $120 citation . Since I was nervous, I agreed to pay the $120 right there and then. What will happen to my insurance rates? Since I'm 18 and its my first offense will they stay the same? Also, I live in Illinois and got the cotation in Marengo if that helps. Please help! Thank you""

Motorcycle insurance?

Anyone know where I can get cheap bike Insurance I'm looking for basic coverage on a 650cc Yamaha Maixm I just got my licence in May. I live in Ontario Canada.

Question about car insurance??

my boyfriend and i have been discussing selling my car and sharing his (to save money, one less insurance/payment each month). My question is without having insurance (unless i went on his), will that make my insurance go up more the next time i own a vehicle? my current provider (progressive) increased my rate because i was uninsured for 3 or 4 days, and im curious if this is what will happen if say, im uninsured for a few months. THANKS!!!""

""If you pay an annual sum for car insurance, can you get a refund on it if you buy a new car?""

I'm just wondering, let's say I bought some car insurance recently and paid the annual sum. If I decide to purchase a new car in a few months time (and I'm assuming insurance policies are tied to a particular car) would I be able to get reimbursed for the months of car insurance I didn't get (since I'd need to sign up for a new insurance policy on the newly purchased car)? Or is this why you should pay monthly instead (even though it costs more in the long term)? Don't know if it makes much of a difference but I'm also in Australia.""

Can I get insurance??

Im 18 years old. I have never had insurance before because my parents have never had insurance. I just graduated from high school. I need insurance to help pay for some dental work. I dont have a job yet but Im working on getting one for the summer before i go to school. I know I am legally an adult so isnt there some kind of poor young peoples' insurance I can get? Or can I still apply for medicare or something because I am still basically under my mothers care. I appreciate any suggestions.

Car insurance arghhhh !!! help?

OK how does this sound to you guys? my mum has two cars one of which is insured with me as a learner im 19 and my sisters as a full driver 22 she is also insured with her own car but on my mums so she culd take me out to learn and for emergency reasons ok so the second car is going to be insured under the same company on a diffrent policy with my mum only. aparently this sounds suspecious ?? pepole think the 1st car is mine but its NOT my mum will be the main driver on both i she will decided which car she takes one day and which the other not me but she got the second car because my sister who is insured on the policy aswell well her car broke so she took a lend of my moms which was annoying for my mom coz she needed it and when she takes me out to learn my mom got fed up waiting till we come back to she jist got a second car to aviod that ! when i pass my test yeah i will be a full liceance on the policy im currently on but that does not mean it will be my car ! only time i can driver it is if my mom or older sister is not using it. BUT ppl are convinced its mine and all that ? surley an insurance company cant refuse to insure???

""I am 17 years old and don't have health insurance, what do I do?""

I am 17 years old and don't live with my parents. I am living with a friends Aunt while I attend college. Because I don't live with my parents I can't be on their health insurance, I've been ill and worried but avoiding the doctor because any medications would cost a fortune. All my prescriptions used to only be $15 now they are dramatically raised. I don't have a job either. What do I do? Is there any type of thing I can qualify for? Any feedback would be much appreciated!!!""

Effects of Bond Insurance?

What effect does bond insurance have on default probability and loss given default?

Insurance for a 17 yr old girl?

How much would insurance be for a 17 yr old girl in a mustang in NY? I took drivers ed, btw. Or insurance for any car, doesn't have to be a mustang.""

Urgent question: car accident/ no insurance?

Let say someone gets into an accident but did not have insurance on it( it is a long story but the car needed to be repair and be sold, so he was driving it to get it fix so he can sell, unfortunatly, while he was on the highway, he tries to stop just to realisethat the brake was not working and he bumps into another car. well the car is complety a mess and the air bag even came out. As it is for the other car no need to say that it back was mess up too) ok my question now what is going to happen, can he take a lawyer to defend him and how much do you think it might be to fix the other car. Please let me know I am so worried. the person lives in dallas, Texas. Thank you for your time ( the police came and said they are are going to court, the other car has insurance)""

Is a 1978 lincoln mark v cheap to insure?

i am looking at a very cheap car to insure. i was looking into one of these classic cars. i currently drive a 1995 ford explorer V6 and its RWD that costs $140 a month on insurance and it gets worse gas mileage than a 1969 lincoln mark iii. as far as i know, this is a 34 year old car and registration is probably gonna cost 50 bucks or less and i live in NH. im 19 and have no tickets or accidents, will the lincoln mark v be cheaper than my explorer. i only have liability""

Difference between HMO and private health insurance?

Do HMO's provide private health insurance? orr... what?

Can fleet insurance be cheaper than insuring 2 vehicles?

My boyfriend and I got in a debate about this. I will be graduating college in a few months and told him that I wanted to purchase a pickup sometime within the year, but wanted to ...show more""

How much will insurance cost for me?

I'm 18, Male, i'm going to be driving a rx8, And i live in Washington state. I know you can't tell me exact, But around how much.""

What is the best company for mobile home insurance?

Need full replacement policy on mobile home over ten yrs old

Affordable health insurance plans?

The company where I work has just informed me that they will be canceling our medical benefits at the end of this month. What are some decent plans that I can get on my own that arent too expensive. I was paying $100.00 per month thru my job and would like to keep my premium around the same. I live in Wisconsin. Thanks for any advice.

How much does your motorcycle insurance cost?

Also say your gender, state, age, etc. P.S how much would it cost for a 18 year old male in NYC with a 600cc engine? ninja..""

Is $600/year normal price for insurance if the car is 10 years old?

My BMW Z3 is 1999 and I'm paying $600 a year for insurance in MD. Does anybody know why is it so high for such an old car? The car is now worth approximately $5000. Our other car is 2006 SUV and the insurance is cheaper. Why is that?

Does the cost of insuring a car go down when you turn 18?

is it worth waiting a couple of months to my eighteenth birthday to get cheaper car insurance? thanks guys!

Company owned life insurance?

I am looking for a laymans explanation to explain the concepts of Company owned life insurance.

How much would Insurance go up with Speeding Ticket?

I'm 17, in Kansas, and I got a speeding ticket for going a 51 in a 40. My dad said that it will cause insurance to go up for the next three years. My ticket cost is $96.00. How much should this cause my insurance to go up? I've never had any violations of any kind before and I have the good student discount, too. Also, what do you recommend I do? Should I just pay the fine and accept whatever happens to my insurance?""

How much would insurance cost for a 17 year old?

I'm going to be seventeen soon and I'm just curious how much it will cost to insure me. My parents have USAA and they have some kind of family type plan with me my sister and both of my parents. I will probably be driving this car http://cgi.ebay.com/ebaymotors/2004-NIssan-350Z-custom-body-work-and-paint-/320645191467?pt=US_Cars_Trucks&hash=item4aa7f1572b#ht_930wt_1123 I don't care about your opinion of the car, and I don't need a lecture on the fact that I shouldn't street race I just want a ROUGH estimate of how much it will cost per year or per month or whatever you can find""

How much is your liability car insurance?

price per month? your age? your state? car year and model?

Would insurance for a VW Golf be cheap or expensive?

I'm 17 years old currently doing driving lessons and I'm thinking about a VW Golf for my first car. Would the insurance be high or low and which engine size would be the best to start off with?

Car Insurance Question?

Hi I was involved in a road traffic accident, I have valid insurance & my vehicle is being repaired. My insurance is registered at my current home address but I have just realised that my driving licence still shows my previous address. I am being provided with a courtesy car & have to provide my licence number, will this make my claim invalid???""

How do I cancel California Blue Cross insurance?

I have been trying to cancel my policy for 3 months. I even tried to stop payment at my bank, but they keep getting around the stop payments by charging different amounts each month. (This month they decided to charge me $50 more than last month) When I call them, I am on hold for over 30 minutes before I finally just give up. On their website, there is NO information about how to cancel your policy whatsoever. Why is it that they don't have ANY information on their California Blue Cross website about how to cancel??? Does anyone know of an address or fax number or wherever I am supposed to send written cancellation to or how do I go about cancelling????""

I got into a car accident and i have no insurance?

I rear ended this woman at only 20 miles an hour, she had absolutely nothing on her, not even a scratch . I have no insurance so she didn't call the police. Then she called this weekend she said her mechanic said it would cost over $500 because her air bags needed to be replaces due to this accident. Is she just trying to play me and did I have anything to do with those air bags? I decided she was lying to me, and decided not to pay. She then calls and says she's calling the police and reporting it as a hit and run, and calling a lawyer.""

Urgent care? Do I need insurance?

So I really need to go to urgent care but will they even look at me if I tell them I don't have insurance and don't even have a job...? I would go to the hospital... But like I said... I have no insurance and no job.

Do different insurance agents from the same company offer different rates?

I just got my AllState bill and my home insurance just doubled this year! I want to switch to StateFarm but I got a quote a few months ago from a local agent, and it was very high too... However, it seems like this local agent is very successful and has a lot of business. I was wondering, if I go to another StateFarm agent, will they offer me a better rate? Or is purely determined by their computer system?""

Car insurance? first car?

i have a '96 fiesta 1.1.its my first car. i cannot get insurance cheaper than 2000. it is garaged, minimal miles per year. any one know where i can get cheap insurance??""

How can I take the insurance of my car off my parents name?

Okay sooo, my dad has never been a good father figure until i turned 16. I'm now 17 and have a car that i bought and i have the title and loan in my name. He is the co-signer. He also pays the insurance. I have a boyfriend and he doesn't like it when i have a boyfriend. He thinks i'm too young for one. My mom and him are divorced and i live with my mom. She doesn't care that i have a boyfriend and lets me go over to his house and go on dates, etc. He doesn't approve. So he threatened to take my car away if i don't be home when he says. My home is my moms house. I have more of a right to listen to her than i do my dad. She thinks so too. He says since he pays the insurance he should be able to take my car away if he wants to. I offered to pay my own but he won't let me because then he won't have anything to hold over my head. How can i get my own insurance and take it off his name without him knowing until its done?""

Car accident and no licence or insurance?

So i got into a car accident this morning on the way to school, and the lady driving the other car was pulling out of her drive way and i hit her while she was pulled out on to the road, reason being she lived on a corner kinda tucked away and as i turned i didnt see her and i hit her car.. the police took both our statements and lets us both go even thou i dont have insurance or a license What will my fine and punishments be?""

How much is motorcylce insurance for state farm and is there one cheaper then state farm?

im gonna buy a bike and heard that its cheaper for a bike and its insurance then a car and its insurance... thanks for the help

Help with car tax and short term car insurance?

Hi I have a nissan micra which myself and partner are insured on and I intend to sell. I have bought a peguot but the problem is that it needs taxing and to get tax I need to insure it and this is when it gets complicated - The peugot is in Brighton in my parents garage and they plan to drive it upto me in Liverpool. The question is what do I do about the tax and insurance for it as I dont want to cancel or transfer my current insurance on my micra as I need the car until my new one arrives, my dad will also need to be insured to drive it up. PLEASE HELP VERY CONFUSED""

Can I buy term life insurance for my aunt who lives in CA?

I live in Florida and was just wondering if I can purchase a term life insurance policy for my aunt in California? Will the term life insurance policy be in my name or her name, because I will be paying for the policy?""

Car insurance declaration?

hi my car was recently hit from behind by a third party at the time my brother was driving using his own insurance everything has been sorted out by the insurance company's do i need to declare this on any future car insurance quotes? i was the only named driver on the policy but my brother is fully comp on his own insurance my brother was taking it to swap cars over with his in his garage with my permission to drive the car

Exactly how much does credit score affect auto insurance rates?

Can anyone tell me roughly what percentage my rate is gouged (oops, I mean 'increased') as a result of less than perfect credit? I have Progressive insurance if that helps. Thanks!""

What is a good health insurance for J1 visa visiting scholars in USA ?

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

What car insurance would you recommended after having a DUI?

I'm on my last month of having a year suspension and need to start checking out insurance companies. After AAA saw my penalty on record, I was instantly declined to be re-insured. Obviously I can't be picky, but all I ask is for the best deal at the lowest price. Not sure if these influence the price ranges or not, but here are some basics that may be of assistance: Female, 20. Toyota Yaris '09 wet-and-wreckless infraction, over a year ago. Been driving for 4 years. Sacramento, CA""

Will my insurance provider penalise me for doing this...?

If i have a policy for my motorcycle and a policy for my car, (both policies are form the same insurance provider) and over the summer i decide to drop the policy for my car, only to activate it again in the fall, will that be considered a lapse in coverage? Will my rates be higher because of this action when i reinstate the policy in the fall?""

Can I add my girlfriend to my health insurance if we live together?

Some states allow benefits for partners. Is this the same? I am insured by Humana (Open Choice PPO)

Can people tell me how much they pay for their car insurance please?

i have a 1996 vw polo and im 17. i know its different for all cars and people, but i just wanna know roughly what people in similar to my position pay please :) thanks""

How much would it cost to get the implanon removed at planned parenthood but with no insurance?

I have had it for almost 2 years and it bothers me so much! I get really bad side affects from this stupid thing and I want it out ASAP!

I was in a car accident so i been off work how will the insurance pay me?

I been off work due.to my accident my insurance said ill get paid after 14 days due since I'm not able to work

Audi Q5 2014 car insurance cost houston?

i just moved to Us , Houston and i am 32 year old male so i would like to buy a new Audi Q5 2.0T any idea how much the full insurance ? and is it good car Q5 2.0 T ? Thanks a lot""

Company owned life insurance?

I am looking for a laymans explanation to explain the concepts of Company owned life insurance.

Is insurance higher on certain cars?

Is insurance higher on certain cars like 2doors and red cars

Insurance to drive another car?

I work on a farm and I have to drive across fields and stuff to get around. Sadly, I currently have to do this in my own car so I was thinking of buying a cheap car so I don't ruin my actual car in the process. I can't leave the car at the farm, so it would need to be road legal (taxed, MOTed and Insured) Is there any insurance you can get where you can be insured on both cars but on one policy? (Sort of like what car traders use where they can drive any car that isn't registered to them)""

Do I need insurance ?

I'm 16 I'm starting my own lawn care Business Do I need Insurance In case I hit something and does my car Insurance cover snow plowing

How much is an average car insurance?

I am a 17 year old male. I turn 18 October 4th. I have taken a drives education course which should reduce the price. My grades are great. I'm looking into getting a 2008 mustang and I live a mile from work. And i live in the state of florida. How much SHOULD my monthly car insurance be?

What is the best car and best insurance to go with?

I'm 20 years old new driver I know my insurance going to be high I'm taking A 6 hour road ready driving school but at the end what is the best car I'm not really into cars I'm much more into kind of truck sure enough that would be the best type of car and insurance car insurance that help new drivers not Kill they wallets / bank account

Insurance companies offering restricted hours driving to get a cheaper quote?

Insurance companies offering restricted hours driving to get a cheaper quote?

How much are you paying for Car insurance?

$117 a month I am 19 and a guy.

Insurance costs on 350z & g35?

Prices just on average? In Texas. 16 year old girl. How much does color matter? What are the different prices for blue, black, silver, & white? How much does the z and Infiniti coupe differ? Please don't tell me to choose different cars..I'm asking for insurance price, not your opinion""

How much will it cost to insure my business?

It's a grocery delivery business. I have a few drivers. I am concerned about the following: Protecting employees while they are driving/delivering, Protecting my customers from any negligence or criminal activity done by my employees, Insuring inexpensive (about $5k each) delivery cars""

Whats the average cost for insurance for a corvette? but monthly?

well i want to get a corvette but i want to know the average insurance for it?

Car Insurance for a 17 year old ? Rough price needed.?

Hi, My son is 17 in a couple of months, need a rough guess on how much insurance will be on a low groupage car (peugeot 106 1.0 etc). He'll be provisional but will have his mother on the insurance also. We're in Teesside so not out in the sticks but not a city postcode. Any rough ideas will be great. Thanks.""

What would insurance cost for a 16 year old?

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

Does anybody have Affordable Health Care benefits for individuals and the entire family?

Are you or your family looking for affordable Premier Health Care Savings Plan with up to $2,000 Accident Coverage with only $100 Deductible(on or off the job at school or at play)You ...show more""

Motorcycle Insurance?

I am currently trying to get a motorcycle license and I'm wondering if there's any insurance company that would insure me. I'm 18, in California and I don't have a drivers license yet. I have passed the written test for a drivers license but haven't been able to schedule a behind the wheel test yet because my family's lack of cars (mom/dad uses them to get to work until ~8). So while I'm waiting for that to happen then I'm might as well try to get a motorcycle permit because we have my dad's old (but not so old) one. But question is, is there an insurance company that would insure somebody like me? Price isn't too much of an issue because I have a job with no added financial duties so to say.""

Which car insurance is good and cheap for a teen?

Well not so much a teen anymore im turning 20 in a few months.. but my car insurance is REALLY high..is it because i have a honda civic? or that im 19.. Should i try Geico? I dont know what to do. anybody know any cheap insurance companys?

How good is your health care insurance?

Are your premiums are too high, coverage too low, or you simply cannot afford healthcare insurance and have no coverage at all.. Do your elected officials have healthcare insurance? Of course they do. After all you voted for them to not only get more paid vacation days per year, work less days; not have worries about homelessness, hunger, gas prices, food prices, unemployment or unemployment wages, bancruptcy, gas prices, welfare, retirement or health care insurance. In short you have voted in favor of them living better than you. Why should you be left out? Here is a start towards a solutuion. Now you too can be on your way to better healthcare coverage. Let's get America rolling again. - Lee Iacocca After all a goverment can only be as healthy as its citizens. http://www.michaelmoore.com/sicko/what-can-i-do/health-card/ I hope this helps.""

What is a good car insurance for someone that is 21?

im 21 my car is insured by my moms insurance but she wants to take me off. What are some good options??i live in california and im a full time student.

""Whats the cost to own a brand new BMW 3 series in CA, US (with Tax, insurance etc.)?""

Whats the cost to own a brand new BMW 3 series in CA, USA (including, Taxes, Insurance, and other hidden costs if any)?""

""Is it cheaper to be put on your parents car insurance, or get your own?""

I'm 16 and I need car insurance, would it be cheaper to be put on my parents, or get my own entirely?""

How to transfer car loan to my name?

My boyfriend has gotten a dui recently and his insurance went up like crazy tripling how much he use to pay. To avoid paying for the high insurance rate for the next 4 or so years, he suggested that he transfer his Wachovia car loan to me. How do I go about to doing that? Do I contact Wachovia first? Do I then have to get a car loan from the bank for the remaining amount of his car? By the way, my credit score is excellent. Thanks your answers.""

How much would car insurance be for an 18 year old in Ontario?

I am an 18 year old living in the Windsor area in Ontario, Canada. I was wondering approximately how much car insurance for me would be. I've been driving for 2 years, never had an accident, speeding ticket, etc. I've also taken drivers ed.""

What's the best life insurance?

This question is for my mom. My mom is 63 years old and needs life insurance. She is in great condition. Never smoked or done drugs. She never drinks alcohol. The only thing really is that she has been told she is borderline diabetic. My mom doesn't have a lot of money so she would like to find an insurance that is very cheap. Her job will be ending in July an will only have her disability to live off of. So what's the best life insurance?

Will my insurance rates go up because of my dad's ticket?

My dad got a speeding ticket tonight. I am under my parents car insurance, but I still pay myself and they bill me directly, but because there are three cars under the policy it cost less for me and that is why I choose to be on their policy. I own my car. But will my premium go up now because of his speeding ticket?""

Does car insurance go up if you get your drivers permit?

will my parents car insurance go up if i only get my permit?

""How is it my insurance coverage costs go down, but not my yearly fees?""

I've only had my license a few years, so only had to pay this a few times, but the first time my car was insured for $15,500. The second time it dropped to $13,500. Yet both times I'm expected to pay $460 for the year. Cheap because I'm going through someone else's name 'cause it would cost me about $1,800. Why do the coverage costs go down but not the fees?""

Company owned life insurance?

I am looking for a laymans explanation to explain the concepts of Company owned life insurance.

Who offers parked car insurance?

My husband is deployed with the Army and I went to stay with family out of state while he is gone. We left his car at our duty station and we still owe on it. Progressive does not offer parked car insurance and I do not want to pay full price when neither of us are going to be anywhere near the car for a year. Are there any companys that offer parked car insurance or is there anything else I can do until we pay it off?

""Car Insurance Question, 16 year old male, looking for first car...?""

I live in NH, I am 16 years old and i want to buy a car. My parents are uneasy about having to pay for the insurance, i will buy the car, not anything crazy maybe a 2000 dodge neon of 2000 ford ranger. I don't get exceptional grades,(b- range.) What is the cheapest way to insure a car this way? Should my parents switch auto insurers? My parents already own two cars, what is the difference of adding a third? THANKS!""

What does liability mean with Auto Insurance?

Im in the military so I dont need any medical mine is fully paid but does this mean I dont have any coverage when it comes to damage to my own vehicle? I got quoted $544 for 6 months. ANy idea how much it would be if I got insurance on my vehicle too. Thank you

Young drivers car insurance outrageous?

i got an 05 Mercedes-Benz c320 ma-tic its my first car and im 18 i am paying 350$ a month and its with my mom on her plan. Any ways to get it cheaper i been driving for probably 6 months if i keep getting no speeding tickets and no accidents it will go down every year and i also think i will only drive 3,000 miles a year if that helps anyone else out there my age what do id o?""

Driving without Proof of Insurance?

I was recently stopped by a police officer for speeding and when giving him my license and proof of insurance he stated that my insurance had expired. I then received a $550 fine for not having insurance, but not for speeding. I do have insurance, but the proof of insurance is what expired (we searched everywhere and the cards that the insurance agency was supposed to send did not show up). My question, then, is what do I do about this? I was not aware that my proof of insurance had expired (again, not the insurance) and I was freaked out because this is the first time that I have ever gotten pulled over (I'm a college freshman and the car is in my grandmother's name, it was a grad gift) On the ticket do I contest the claim and go to court or do I admit the claim and go to court? What are the possible outcomes or what is most likely to happen?""

Car insurance question....?

Is it possible to see how much the isurance will be before I get the insurance??? I am 18, had my license since december 07 and never had a ticket or accidents... How much average is a teen insurance from a coupe to a minivan... I know its not in the high $800, but maybe $120+. I might get a mustang or something... plus is there an insurance gap between forigen and domestic cars???""

Lowest insurance rates?

Lowest insurance rates?

Redlight violation?! Any way to lower the $381 fine and not raise insurance?

Help! This Saturday, I was in Fremont to pick up someone at the Bart station. I was on Mission and Mohave going straight towards the entrance to 880 when the light turned yellow. I started to stop but I felt that if I kept stopping I'd end up in the middle of the intersection so I pressed gas again and went through. I thought I made it on the yellow, but I saw the huge flash meaning the lovely camera took a picture of me. ): The fine is $381 according to http://www.fremontpolice.org/redlight/redlight.html plus a higher insurance, right? I'm freaking out. I'm a 17 year old high school student (I've had my license for over a year already) at a private Catholic school, straight A's in all my classes, super clean record, and I've never gotten a ticket before! I know I have to go to court but is there any way that the fine will be lowered and my insurance won't go up? If I go to traffic school will it be cheaper and keep my insurance down? Help please!""

Will a sex change from male to female result in lower car insurance?

Females have lower car insurance then males. So if a male gets a sex change does the car insurance company change their sex in their records and lower their car insurance?

How much would insurance be on this car for a 17 year old?

Photo: http://i.imgur.com/oBPkdUi.jpg

How can I get affordable health insurance for my husband and I in the state of Florida?

I am a healthy 23 yr. old and my husband is a stable 32 yr. old.

Can you collect on a life insurance policy after suicide?

A friend just killed himself and I'm wondering if his wife will be able to collect o his poicy. I've heard the insurance copmpany can void a policy in the first 2 years. But he has had his policy longer than that.

Does MetLife car insurance cover household members?

I recently obtained my Massachusetts Junior Operator License. My mom has metlife car insurance and I'm trying to figure out if I'm covered on the insurance. The metlife website says that it covers you, members of your family that live in your house, and anyone who uses your car with your permission Does that mean that I'm already covered or do I need to be listed under her insurance policy?""

Car insurance question?

I just got a 94 Buick Park avenue a few weeks ago. I'm 17 and getting my license (hopefully) on the 25th of this month. I have a question about the insurance. Our company is Amica. I've gotten a quote recently from my dad talking to them. He told me today that after two cars are insured the third one is automatically listing me as the primary driver. I'd like to be able to be the 'secondary driver' to save money...anyone know if this is possible with this company?

I need a home insurance company that will insure me with a criminal conviction for theft in 2008?

apparently if i received a fine makes a difference which i did....i have tried call connections and direct choice....please help P.S what do i do if no-one will insure me....i thought it was against the law not to have home insurance

Will my insurance go up?

I was in a car accident. I was stopped at a red light lady slammed into the back of me. THe cops came and filled out info. I did not go to the hospital, because I was not in pain. But the next day my back and neck were killing me. It has been 5 days since accident. I want to go to the doctors but i am worried that my car insurrence will go up. If it was the other persons fault will my insurance go up? And is it to late to go to the doctors? Will her insurance have to pay for doctors bill?""

Individual health insurance?

Can you buy two individual health insurance plans? Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?""

Car insurance for first time drivers?

im 18 and looking to buy a car soon, i need to know what i should expect to be paying monthly for car insurance.""

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and you answer honestly it will help you in the long run because then you will be covered for the need of that disability since your health assurance new you can since you are a smoker. but it depends on if your a heavy smoker or just smoke a few times.""

How much will it cost me to send an used laptop from US to India? including insurance. Is insuring a must?

How much will it cost me to send an used laptop from US to India? including insurance. Is insuring a must?

""Have get government assistance, can i get cheaper auto insurance?

I can't afford my auto insurance but I was told if I get assistance there are insurers that will give me a discount. Does anyone know where? I also heard if I was in states custody I can get it free or cheap.. is this true?

""I live in St. Louis, MO and am a 20 year old male. I was looking for the cheapest auto insurance possible?

I will be getting either a 04' Grand Prix or a 03/04 Monte Carlo and I might have to get full coverage insurance. What company has the cheapest auto insurance. Like around $100 bucks or a little more?

Motorcycle and car insurance?

I want to get a motorbike but cant afford to run my car also. Put a question on here the other day about running a bike only all year round and been sort of put off by responses re winter riding. Is it possible to road tax and insure a car for half a year only and then for other half of year not road tax/insure it. During that period to insure and tax bike instead if put car on private driveway and not use it for that period? So basically run car half year in crap weather and bike other half in good? Whats the reprocussions insurance wise if thats possible? UK answers would be more usefull as thats where I live! thanks!

When health insurance says it has?

weight benefits... what is that? Is it only stomach stapling or is it a weight loss doctor or what??? Do you know andone who has used these benefits? Or do you work with health insurance?

Should I get AAA Roadside assistance or Insurance Roadside Assistance?

I drive an 07 Scion and was wondering if I should get AAA Plus or Insurance Roadside assistance. I currently pay $6 a year for Roadside assistance but I have to pay first and then get reimbursed and it only covers $50 each disablement. I was thinking if I should get AAA Plus which covers up to 100 miles for $76 because I know it costs quite a bit just for a hook up fee.

Company owned life insurance?

I am looking for a laymans explanation to explain the concepts of Company owned life insurance.

https://www.linkedin.com/pulse/what-best-student-health-insurance-plan-florida-jose-warner/"