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tanyavvvvvvf-blog · 6 years ago

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Guardian Original Novel- Bonus Chapter Four - Finished on 2018/07/30 by Priest - P1

【Interpreter note: Token of Soul Suppression : Whoever have their names written on the token, will be a servant. They will have connection with the token, and have to follow commands from the master - Zhao Yunlan, God of Mountain KunLun.】

(I)

"... ... Here, click here, and then set up a pin number for payment." Zhao Yunlan handed a cell phone to Shen Wei, but not until Shen Wei took over, he changed his mind, set up a pin himself instead, "Never mind, I'll do it, you are too easy to guess."

Professor Shen is a very persistent person, all of his password were their door number, he has no awareness of security.

Shen Wei is a very detailed and decent man. After the battle, his focus was shifted from worrying about the Triple Realm to the arrangement of clothing, diet, housing, and traveling, these are so easy and effortless for him.

In the past, Shen Wei really didn't care to plan his life style. In troubled times, he would find a spot in the forest or mountain to hide. If the world was in the heyday of peace, he would look for an apartment and live a simple life. He wandered around the world for so long, honest and clear, has no deposit, not to mention of buying a property. So far, he has only a checking account for his salary, he is basically a normal middle-class man.

As for the famous mountains and rivers he inherited from KunLun, are in charged by the National Tourism Development Department, have nothing to do with him. He can't have the share of the fares or tickets.

"Look, I'll show you how to send out a Red-pocket here." Zhao Yunlan reached out and hooked over Shen Wei's shoulders, ruined his dignified sitting position. He took the chance of sharing personal experience, sent a red-pocket to himself, and he was quite satisfied with that. "Congratulations! The last old fogey of this century just stepped into Mobile Pay. ... .... What, again!"

Before he finished, his phone rang, Zhao Yunlan looked at the screen, didn't want to pick up, so he flipped the phone facing down. The phone rang for three times, but whoever was calling not going to stop, his office phone started to ring. Zhao Yunlan stretched his leg, poked Qing over the armchair, "Yo, fatty, pick it up."

Since Shen Wei was still sitting there, Qing held down his tamper. He jumped on the deck, treated the handset as Zhao Yunlan's face, slammed it off, "Hello, Special Inve.... Ah? HAHA, how are you Old Chief Zhao��Oh you're looking for the Chief Director? He just told me he's not here."

Zhao Yunlan:"... ..."

He looked at his phone, all three phone calls were not from the same person, the last two were from his father. He moved towards the phone unwillingly, "What's wrong with these monsters! Are they all right?! Going to my dad to pull a freaking string!"

Special Investigation Department, as is "Soul Suppression Unit", in the very beginning, it was like a "daycare", and a "Labor reformation + social working shelter".

In this department, except for Guo ChangCheng - a real human, and Wang Zheng- Sang Zan and other ghost-form officers that were taken in by Zhao Yunlan, the rest of the crew members could be divided into two types: Type one, for example Zhu Hong and Lin Jing, these were sent in here to accumulate experiences; Type two, Chu Shuzhi, a former prisoner. The Soul Suppression Unit was established to coordinate among the Triple Realms, and to guard the peace of the human world. Their daily life are to wipe behind those criminals who committed crimes, under the condition of complying with protocols, laws and regulations. This job alone was not a easy piece of cake, plus the director was a normal-looking young man, so there was never any talented person volunteered to join.

But the status quo was very different now. Ever since the barrier was devastated, the four Holy Items were re-arranged, the grand reincarnation was established, the Lord of Ghost ascended and became a celestial, and God KunLun returned to his rightful position, these facts might be secrets to mortal human, but not to the other forms of lives. After the battle night, the SID that no one cared, became the hottest issue. Everyone tried to step in to get some celestial blessing. It turned so annoying that Zhao Yunlan had to turn them down by telling them "There are not enough space for too many names on the Token of Soul Suppression (Note: A tree bark from the divine tree grown on top of Mountain KunLun)."

The token doesn't have enough space, but SID does. The SID is an administrative facility, founded by the government.

So, in order to get connection with SID, some smart pants started to lobby for reformation, and eventually they succeeded. SID was upgraded into "Special Investigation Administration Department - SIAD". Now there are agencies in different provinces, quite organized.

The "Section Chief Zhao" who was lying in the loft of 9th University Blvd all day long, thus inexplicably became "Chief Director Zhao".

This was the first year of opening for application after the reformation. Zhao Yunlan who was indulged in gardening and peaceful happy life, was directed by authorities to take over the recruitment. Sure won't have their names engraved on the token, but doesn't mean Zhao Yunlan wants some losers in his agencies, he had enough losers already. The whole department was shorthanded, so public recruiting was not a option. He sent out limited quantities of applications to different species, left the tough qualify selection to their leaders.

To get some extra applications, apparently some "talented people" had figured out shortcuts.

"Yes?" Zhao Yunlan picked up the phone and answered very sluggish, "What. You already retired, can't you just spend more time on dancing with those old ladies. Don't waste your time and energy on my career. Who called you anyway?! Errrrr... ... "

Qing lifted his ears, a rambling monologue boomed out from the other side of the line. At the beginning, Zhao Yunlan was trying to interrupt his father, "No, I did not. No, not at all", that didn't work out. Later, he decided to give up his resistance. He leaned to the desk, relaxed his leg, looked up the ceiling and then all the way down to Shen Wei's clean cuffs. He suddenly started to miss Med-Bowl, as least he never give so much lecture.

His dad, a retired Director, recently had been frequently visited, very angry after he found out why. Year of 2018 already, these people visited him just for a stupid job application form. What a stupid idea! That was why he called in to lecture Zhao Yunlan.

Zhao Yunlan answered very careless:"Yes, I know...... You're absolutely right...... No, I'm not a dictator... No, I didn't attempt to Rent-Seeking, I simply don't have enough employees for giving interviews. There are way too many applicants, I don't have enough people for a primary selection....... I am not corrupted. There's no acid rain in Dragon City lately...... No, I'm not playing with words. I certainly did not do that everyday. I do reflect on myself everyday. For real! As a precaution. Ask Shen Wei!"

Someone knocked on the door three times, Lin Jing craned his neck inside first. He bowed to Shen Wei first, "Thank you Prof Shen —— Chief, It's Dragon Boat Festival tomorrow, on behalf of the whole department, we would like know if we have any physical form of benefits or bonus for the holiday?"

Zhao Yunlan pointed to the door, "Post a notice of "Honest and self-disciplined", spend the holiday with your honesty not your benefits or bonus! Get out!"

So much for the representative Mr. Lin. He left the office with shame.

He just left, Zhu Hong knocked on the door, "Thank you Prof Shen! Hi Chief, I have a word from my Uncle Four, he wants to make an appointment with you for dinner. Some elder leaders from other monster-spirit spices want to meet you. But, I'm just a messenger. I don't like the idea at all. If you don't feel comfortable about it, just refuse. No need to worry about my stance."

Zhu Hong was definitely on his side, no need to doubt that. But the monster-spirit species is KunLun's direct line of disciple, he shouldn't avoid them. Zhao Yunlan was left with no choice, he waved his hand.

Zhu Hong turned away, almost bumped into Chu Shuzhi. He was in a big hurry, nodded to her, "You all right? ... Hey Chief, we have a situation. Some one used sorcery on the applications. "

Shen Wei looked up from the phone he was playing with, "What is it?"

Shen Wei doesn't interfere with the any business in general, unless someone ask his opinions. He started the topic this time, was because he personally impressed those "security seals" on the applications. The Soul Reapers was responsible for guarding the barrier, for 5,000 years he didn't waste his time. He watched all the spices rising and falling, he knew their skills. He is by meaning a living "lost sorcery library". But no one ever come to him to purchase any "patent", so "the library" is still living a mid-class life.

Chu Shuzhi:"Still have ten days before the deadline. But the applications we received have far over-numbered than what we sent out. Oh, by the way. Thank you, Prof Shen."

"Put them together. I want to see." Zhao Yunlan put down the handset, "And, what kind of cue is that? Why you all come in started with Thank You Prof Shen?"

Shen Wei:"Emmmm......."

Chu Shuzhi:"Prof Shen just sent us Red-Pockets. Must be the bonus for the holiday, right?"

Zhao Yunlan took over the phone from Shen Wei. Just a few minutes while he was on the phone, Shen Wei already mastered the skill of Mobile Pay, and he practiced. Using the "Contacts", he sent out red-pockets to all the crew members in the department.

Not one big red-pocket sent inside a chatting group, not the kind that if you're lucky you're get a good number of money, Zhao Yunlan hadn't teach him that. But individual red-pockets, were sent one by one through his contacts list. Already half way through, Shen Wei ran out of balance.

Money, to Prof Shen must be like online-video game tokens, those tokens you'll get a load once you log in, not those you need to pay.

Zhao Yunlan:"... ..."

Shen Wei:"?"

"A.....all right." Zhao Yunlan gave a twisted smile, "No balance in your account? No problem. I'll transfer some to you. Finish where you left. Don't leave anyone behind. Ah hahaha, You picked up so quick."

This Dragon Boat Festival, everyone received their bonus after all, funded by anonymous Mr. Zhao, really heart touching.

-----Continue W/ P2--------

Fan-art by -LLA- on Weibo.com, authorized for using.

Go to my wattpad account to check the rest. https://my.w.tt/mD5iXDc3pP

#guardian #zhenhun #镇魂 #shenwei #zhaoyunlan #zhuyilong #baiyu #赵云澜 #沈巍 #朱一龙 #白宇 #keep reading #keepreading

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myocdstory · 7 years ago

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My OCD Story

As a child I would count steps "one, one, two, two, three, three, four, four" on each foot and would count up to 12 (sometimes 20). Sometimes I would count like this when I was not walking. I thought I got this from Sesame Street. In middle school I was obsessed with evenness. When I ate food I would divide it evenly in my mouth. I would step on a sidewalk boxes 4 times before moving my leg to another. I'd have to walk the same number of steps on my left foot as my right foot. I had to step on tile lines with one foot the same way as the other. In high school I became obsessed with certain events, googling them over and over again. I knew this wasn't normal and possibly rising to the level of a disorder. I played doctor and diagnosed myself with PTSD, but questioned the diagnosis as I did not fit the criteria for PTSD.

At age 19 I kept checking doors repeatedly to see if I locked them and checking toilets to make sure I flushed them. My family was annoyed with me checking the balcony door over and over during the evening, and my sister told me "you already checked" but they weren't severe enough to get help. At this point I realized I had OCD, but questioned whether I really had it since I wasn't washing my hands constantly. To be honest as a teenager I hardly washed my hands. I would wash my hands for 5 seconds after using the bathroom unless they were visibly dirty.

Then my symptoms got worse. If I walked a certain path I had to walk back the same path. I would spend 30 minutes deciding which path to take, which side of the road to walk on. If it takes 15 minutes to walk home, it would take me 1 hour to walk home. Sometimes I moved my hands instead of walking back. At this point it was clear I had OCD. When I was 20 I was late to a psychotherapy appointment because I went back to the beach boardwalk to take a different exit. I at first didn't like the idea of taking meds that would alter my brain. But I knew my OCD was severe enough that therapy alone won't help. Eventually I accepted the fact I needed meds. One time I drank a glass of champagne at a restaurant to help me quell my OCD. But that made my OCD worse. I went home and I was deciding which path to take walking back. Dad was wondering why I haven't come home yet went out to find me and yelled at me. I cried saying I needed a psychiatrist. Dad prints a list of psychiatrists in our insurance, all female. I procrastinated and then misplaced the paper. So at the last minute I used google and found a medical center nearby. I knew there was a new condo at that street and when I googled this placed google earth displayed this new condo. I couldn't find a doctor's name so I assumed there were multiple doctors in one practice. On Friday April 21, I made an appointment. The next available appointment was on Monday April 24. They were literally available all day.

When I got there I saw this place wasn't located in the beautiful condo, but in an old commercial space next door to it. I brought my mom along because I was nervous and she was paying. I filled out a questionnaire. Office staff said I had to take a urinalysis and I asked why since I was there for OCD. Then I saw the psychiatrist. I told him I had OCD and told him my symptoms, "such as walking back and forth, repeating certain phrases, counting steps, etc." He asks as bunch of questions about my history and does the mental status exam, such as who is the president, math problems, what would you do, etc. He asks me checklist questions about my OCD which I could only answer "yes" or "no" such as "do you wash hands" "do you arrange objects" "do you have religious obsessions"?. I answered "no" to many of the questions but most of the questions did not match my symptoms. He continues to ask about my history then asks to speak to my mom. I say no and he says he just wants to ask her questions. He asks about history such as marriage, pregnancy, when I was a young child, etc. Then my mom starts complaining about me sleeping all day, how my dad yelled because of something I did last night, etc. I told her to be quiet but doc insists I let her speak. Doctor asks how old I am and I said I was 21. He said I looked 15, and yes I do look younger than I am. Doctor thought at 21 I should be independent from my parents. At 1st he was discussing a residential facility. He said they have a schedule they will enforce so I can't sleep all day. He then says a residential facility will see I'm smart and suggested a supported apartment. He asked me what I want to be and we started talking about my career plans. He says to call Ohel which offers a supported apartment and employment training. He said he isn't going to prescribe medication as he felt it wasn't needed. I asked "what are you going to do about the OCD?" and he answers with the dismissive gesture that he will treat the OCD. He doesn't make a follow up appointment. I then did the urinalysis and handed office staff the cup. Then I was walking back and forth in and out of the bathroom, touching things until it felt right. I asked the office staff when is the next appointment and they said I can always call to schedule an appointment. I didn't know when to schedule the next appointment. After all they have a lot of availability. I was angry after the appointment. Later that day my mom told me that in order for the doctor to prescribe meds I have to first be evaluated by Ohel. She told me the psychiatrist can't prescribe meds at the first appointment. That night my dad told me to call Ohel.

The next day I heard my mom call Ohel so I picked up the phone. She told them I am "svoyeobraznaya" in Russian which translates as "peculiar" or "not like everyone else". The director told my mom that "is not a diagnosis" and they need a diagnosis. Mom starts telling them diagnosis unrelated to my OCD. I insist she hang up the phone and she got mad. I was not willing to call Ohel after this because I thought she would ruin everything like she did with the appointment. I debated whether I should make another appointment with this doctor. While one part of me said "well this is his treatment plan" I wasn't comfortable with him.

I was still complaining about OCD. I just wanted out of this hell. My dad told me to look for a new psychiatrist and if he has to pay out of pocket, this will be the last psychiatrist he will pay for. I was very picky about my psychiatrist, and would not choose anyone with less than 4 star ratings. He has great reviews, most of which mention medication, is a few blocks from me, and a professional member of the American Psychiatric Association, wrote in his description he treats OCD, and in our insurance plan. But the earliest available appointment was a month away. So, I went to my primary care physician. I was hoping he'd prescribe something to get me out of this hell, but my plan was not to mention medication as I don't want him to think I'm drug seeking.

Doctor leads me to the exam room asking what brings me here. I told him "I am here for OCD If I walk on the wrong side of the sidewalk I have to walk back. I avoid stepping on manhole covers." He says they cannot treat OCD but can refer me to professionals who will. Then he asks me "are you taking meds for this?" and I said no. He asks "why aren't you taking meds?" and I told him I already went to a psychiatrist and he thought I didn't need meds. Doc says "That's not true. You do need meds." I told him I made an appointment with another psychiatrist on ZocDoc but it's a month away. He takes my height and weight at the front of the office and my mom was there. "I will refer you to providers where you don't have to wait a month." Then doc writes the number to a neurologist and Maimonides psychology. He asks what's the name of the doc who refused to prescribe meds. I answered and he says "forget about him". I asked if I should cancel the appointment and he says no. He says "see a neurologist because a psychiatrist will just dismiss her as drug seeking". Mom told him I torture her saying I have OCD. Doc says I am right to torture her as OCD is serious. He told my mom to take this OCD seriously. My mom later told me I went to the wrong specialist.

When I got home dad told me that the neurologist he referred us to isn't in our insurance and gave me a list of doctors in our insurance. One wasn't accepting new patients. One didn't pick up the phone. I called another one and it was in TWO WEEKS. She said there is another neurologist in their office which was available sooner. I said yes and dad googled her to make sure she was in our insurance plan and she was. When I saw her she said I have to see a psychiatrist for OCD. I told her I already saw a psychiatrist who refused to treat my OCD and my primary care doctor said to see a neurologist. She said in the Soviet Union neurologists treated OCD but in America psychiatrists treat OCD and canceled my appointment. So I went to the right specialist all along.

My only option was to wait for the psychiatrist. Waiting is hell. Especially if you are suffering. When I had the appointment with the psychiatrist, I described my symptoms. This psychiatrist has a 2nd job as he is involved in clinical trials. That's why it takes a month to get an appointment. On the 1st appointment he prescribes Prozac 20mg and a refill as he will be on vacation. I asked about Zoloft and he said Zoloft was not approved for OCD, which isn't true. Prozac is one pill a day and Zoloft is two pills a day morning and evening. I figured one pill is better than two.

The next day I took the drug and saw it working. I was no longer avoiding gum patches. At first the medicine made me depressed and gave me cold-like symptoms. But those side effects went away. In a month the dose is increased to 40mg. It no longer mattered what I stepped on, manhole covers, sidewalk ventilation grates, cigarette butts, you name it. I stopped walking back and forth.

When I realized I had OCD, I began doing a lot of research. During this research, I discovered I had symptoms of OCD as a child. I didn't know the counting I did, the way I walked, or my obsession with events in high school were all symptoms of OCD. What I went through in high school was called "pure-o", a type of OCD without overt compulsions. This type of OCD is never talked about .The OCD symptoms we talk about are washing hands, arranging objects and being a perfectionist. I was none of that. My room was a mess in high school. If it weren't for my parents cleaning my room, I would be like those people on the hoarder TV shows. After I started medication my dad and I cleaned out my room and I realized I was a hoarder. I couldn't throw away old catalogues, my sister's 2011-12 high school directory (she already graduated high school), etc. When I did research I learned that hoarding is a symptom of OCD.

So I ended up leaving a negative review about the first psychiatrist. I then began to read other reviews about him, most of which were negative. One was that he refused to treat people. Another one is that he seemed irritated working with patients. This is basically how I felt with him. Another review was written after mine. The doctor wrote a prescription incorrectly and patient pointed it out. Doctor begins to chastise the patient saying they are not his only patient, and they cannot expect special treatment, like the doctor returning patient's call. The only reason the patient goes back to them is because they have a lot of availability and the patient needs their meds. I see why they have a lot of availability. This doctor sucks so every patient leaves and doesn't go back to him. Once I left him thank goodness I didn't make another appointment.

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c-valentino · 8 years ago

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A Lighter Next To Your Coffee Mug XIV

The next time they met was at Andrew’s place again. It had taken Neil a week to get over his illness, including all the nasty phases like coughing up phlegm for example. He had not wanted Andrew around for that. He felt much better now and they had gone back to their weekly appointments.

The first thing Andrew did was hand Neil the money he owed him for their last session. The taller man looked at him questioningly.

“You could have just given it to me at the end.” Neil put it in his pocket.

“Maybe. I don’t like owing people something.” Andrew crossed his arms in front of his chest. I don’t owe you anything, he told himself yet again. He had imagined this meeting during the last week over and over again, had gone through all the possibilities his mind could conjure up. It still tasted bitter, an imaginary aftertaste of his own thoughts, the fake sensory impressions he associated with betrayal and potential danger. He had grown accustomed to this taste over the years. This can’t go on. It had taken him all week to draw the final line. He hadn’t called, hadn’t seen the man, hadn’t even texted him until Neil had wanted to know about tonights appointment last night.

“Technically, you didn’t. I mean, you took care of my meds and bought me dinner twice. And we went for that drive.” Neil shrugged. Andrew couldn’t help but see the man acting his role with every movement, every breath he took now. He didn’t know why. Neil certainly hadn’t caught onto the change between them yet. Or maybe he had and was trying to escape the inevitable.

“How much do you think I spent on you? Don’ be ridiculous. Besides, you just spent a whole week at home. Don’t lie to me about money. We both know you need it.” Money, Andrew thought, was always an incentive –but maybe not the whole motivator in this case. He was thinking of men who dealt in threats and terror more than in trust and hard currency.

“Do we now?” Neil averted his gaze. He didn’t like the topic, Andrew noticed. It was true, he needed the money, Andrew had at least found out that much. Neil just didn’t like admitting it, least of all in front of the goalkeeper. “It’s fine,” the young man said. Time to change the subject.

“We also needed a clean slate for this,” the goalkeeper added. Neil didn’t quite follow yet. Tabula rasa, Neil, Andrew thought. He still called him Neil in his thoughts. He had done so after the strange phone call the man had given him. Another lie, he knew now, but somehow it had stuck.

“For?” Neil was curious. Maybe he thought Andrew had something new in mind for tonight –and he did, just not the way Neil imagined it. He moved across the room, leaned against the bar, facing his duplicitous hooker, but keeping his distance. Well, technically Neil was a hooker. That part was true. The other clients were real. He had checked. He had seen some very convincing footage. But something wasn’t right with the man. He should have noticed it sooner, wondered why he hadn’t. Because he had not been looking for anything wrong? Because he thought the whole matter had been initiated by and about him. Because he had other things on his mind lately and had let his guard down. Maybe someone else had noticed though.

Clever, using this guy like this. Oh, he was good. The way Neil looked at him right now, expectantly, eager to please. How much had been fake between them? Andrew truly couldn’t say anymore. It was his fault, he knew. He had slipped up, had looked away. You can have this, he had told himself because he had thought he had worked hard for it, every single step, had earned it somehow. Well, nice thought. He grinned a little. Being angry with himself made the whole thing even more distasteful to him. ‘Game over’ he heard Neil say again, and he couldn’t agree more. Get it over with.

Neil was still waiting, standing in his living room, relaxed posture, expression open –trusting– Andrew had come to call it. It had never sat right with him. He shouldn’t be trusted so easily as Neil seemed to do it. It was part of the reason why he had kept coming back for more, he knew. He remembered now what the young man had said to him in anger: ‘Do I really need to tell you that I’ve had worse?’ His scars were proof enough of that, they both knew.

The real question was, who had given them to him. Somehow Andrew had imagined abusive parents –maybe an echo of his own wonderful childhood, though his had been a different blend of fucked-up. Parental figures seldom got away guilt free in his imagination. Now he wondered if there wasn’t a little more to that story than another trailer-park-trash-cliché story, an alcoholic father, a runaway boy fighting for his own survival on the streets of some city, getting caught up in some milieu of organized crime. Maybe Neil had indeed met part of the mafia, one family in particular.

Part of him wanted to make excuses for the man. Part of him wanted to call him just another victim, a tool, a weapon, but not the one wielding it. Part of him wanted to hate the guy, simple as that. Thinking of Kevin helped him listening to that part. Maybe his friend had been a little premature when he had told Andrew that his part of their promise had been fulfilled after all. He would make sure that he would never break that promise, no matter what Kevin said.

The silence stretched on between them. Neil was waiting patiently. They hadn’t touched, hadn’t kissed. Maybe he thought they were taking it slow today. He was wrong. He wouldn’t have a chance to see what was coming for him.

“You must have excellent teeth,” Andrew said suddenly.

“Exceptional,” Neil agreed, not knowing what the blonde was getting at. Something wasn’t quite right with Andrew tonight. It wasn’t nervousness; Neil would have noticed that immediately. The Exy star was keeping his distance from him. What then? It didn’t seem like a drug issue either. Neil was beginning to feel a little uneasy all of the sudden. Andrew was looking at him as if he needed to figure something out about him. This was not something Neil wanted to encourage. He was sincerely fine exploring all of Andrew’s depths, his darker shades he kept hidden, all of his fantasies. He wanted to know these, wanted to know who the man truly was. That was dangerous, and he had admitted to himself that he would make that mistake. He wanted to know if he could replace his Andrew Minyard with the real one entirely, if he could give up his fantasy.

They would never end up in something like a relationship between them, since Neil would never be able to lay his cards on the table, but maybe Andrew didn’t want that anyway. The thought about Andrew paying for his company, his confidence, his trust –all that held a strange and intimate appeal to Neil. Still a client, but a special one. One he would hate to give up one day, one he would miss. A real person in his life, not just a fleeting shadow. During their week apart he had thought about this over and over. But today Andrew seemed different, and Neil couldn’t figure out why.

“Couldn’t even find your last dentist appointment,” Andrew said and Neil felt his blood running cold. Stop! “No records, nothing,” the man went on evenly, making a dismissive gesture with his hand. “I’ll ask you again: Who are you running from?”

Andrew had done a background check on him. No. No no no no no… This can’t be happening… The Exy player stared at him coldly. Motherfucker… Why? Neil clenched his fists, squared his shoulders. He was suddenly very aware of the distance of Andrew’s apartment door behind himself, added the three steps he stood apart from the goalkeeper right now.

“Why are you doing this?” There was real desperation in his voice, he didn’t need to fake it, didn’t want to hide it. He felt hurt. He felt his anger rising. Why did Andrew have to ruin everything? Why now? He had let his guard down around this man –knowingly– only to have his illusions shatter like a Price Rupert’s Drop. The goalkeeper reached to the side and picked up a folder. Everything he had found out about him, no doubt. It reminded Neil of a folder he had kept over years.

“Want to read it?” The grin on Andrew’s face looked grotesquely sinister and out of place. Neil glared back at him. He couldn’t read the shorter man at all right now. He wasn’t sure if Andrew was actually enjoying this, or if the man was angry. Both were possible. For the first time Andrew felt like a real threat.

“No. I think we’re done here.” The urge to run was overwhelming. His heart was pounding in his chest. Neil felt betrayed, but more than that he was worried. He tried to act indifferent, tried to hide behind a cold facade, but it was already cracking. He needed to get out of here. He turned around.

“Back in college, our coach took me and Kevin along to recruit a new striker at Millport named Neil Josten. Apparently, his coach had told him about us being there –maybe to motivate the poor bastard, since his team was losing. All he had managed though was to scare the guy off, ‘cause our potential new striker vanished during the last break into thin air and never showed up again. Needless to say, we left empty-handed and one striker short for the next season. –Well, I don’t have to remind a fanboy like you how that turned out. Neil had frozen in his place.

Andrew threw the folder back onto the bar and looked at him, reaching for his cigarettes instead and lit one. “Took me a while,” he admitted and blew smoke up to the ceiling, frowning a little. “You see…” He took another deep inhale. “I don’t forget.” His gaze was lazy but it felt like it burned a hole into Neil. “I don’t care if it’s my turn, I don’t care if you want to play, you’re going to answer me now. Why did you run back then? And why are you back now?”

Neil had looked over his shoulder during Andrew’s speech, but now he needed to get out of here, fast. Andrew saw it coming, moved first and beat Neil to the door. He caught him in the hallway, took him off his feet and twisted Neil’s arm behind his back, threatening to dislocate his shoulder. He grinned down on him and Neil cursed, felt Andrew’s weight on his back.

“The man named Neil Josten doesn't exist. We tried to recruit a ghost back then. Who the fuck are you?” Andrew said in a voice cold as ice, his grin never wavering. The cigarette fell from his fingers and in its stead appeared a knife, pulled out from under one of those black armbands. “Did Riko send you?” he hissed. Moriyama? The name brought a stab of cold fear and unbidden memories with it. Three boys, Evermore, a dull axe… a dead man… his father. Neil began to struggle, but Andrew was having none of it. The knife was not just for show. It was pressed against his throat, and Neil had to pull his head back not to get cut.

“No,” Neil snarled. Had this guy really been carrying knives while he had been with him? What the hell? Had he really been seeing a sociopath all these past weeks? How could he have missed that? The knife lay cold against the skin of his throat, and he could feel the edge starting to cut him like a careless stroke of a razor. What an idiot he had been. After all those years of running and hiding…

Neil forced a breath in through his mouth and out through his nose. It didn’t help much, he was starting to shake. He dug deeper, searched for his rage. It was there. It never left him. If he had ever needed it, now was the time. There was nothing left for him; only panic and anger. He swallowed, tried to glare at Andrew over his shoulder, tried to focus his hatred on the Exy star. You betrayed me! I trusted you! I thought I could. Wrong. He had been wrong, about Andrew, about thinking it was worth the risk, about believing he deserved a piece of normality –about everything. Time to pay the price. He needed Nathaniel back in his life.

“For someone who’s been raped, you sure as hell understand precious little about the meaning of the word ‘no’.” He managed to keep his voice from shaking, barely. Neil knew fear intimately and this was way too close to the images he kept buried deep down in his memory. Andrew’s eyes narrowed. That had hit –good. He needed to fight back. If Andrew thought a little knife was all it took to keep him down, he was mistaken. His touch felt alien to Neil. There was a stranger on top of him, holding him down, threatening him. This was the man who had attacked another player after a game and shattered his kneecap, this was the man who had singlehandedly taken down three men and nearly killed them behind Eden’s Twilight, the man who had taken medication for years. Seemed like he had woken the beast. I might hurt you. What a joke. Might… How could he have been so stupid?

“What do you want from Kevin?” Andrew’s grip got tighter, the knife’s edge started to cut. Neil felt the first trickle of blood running down his throat. You won’t kill me, he thought. Nathaniel was taking over more and more of him now and he let him –gladly for once.

“You got it backwards,” he hissed, shaking in Andrew’s grip, but more from exertion than fear now. “Kevin knows me and I can’t let him find me.” He saw the realization in Andrew’s face, felt him hesitate. Funny how he could see the moment another puzzle piece fell into place in that pale face, but Andrew’s emotions often seemed to be written in a foreign language. “Now get off me!” He took the first chance he got. As soon as he felt Andrew pulling the knife back, Neil tried to buck him off, tried to get onto his feet again. If Andrew hadn’t let go of his arm then, he’d have dislocated his own shoulder. He bolted, was out the door and down the hallway in seconds, took the emergency exit and ran. No time to wait for the elevator.

Alone in his tiny apartment behind his locked door, Neil felt the rage taking over completely. The black Audi, the men following him, his panic attack, his renewed paranoia… all Andrew’s doing. How long had the man been playing with him like that? Why? What kind of game was he playing? All those questions, his insistence of the truth, him bringing Kevin up… No, no, it made no sense. He had mentioned Riko, and the only Riko worth mentioning was the youngest Moriyama and he was in Japan. His mind recoiled every time he ventured close to that minefield. Moriyama… the mob, his father… still looking for him after all those years. The memory of his dead mother was unavoidable at that moment. No, he told himself, don’t go there right now.

It was the middle of the night, but there would be no sleep for him. He could barely keep himself from grabbing his old duffle-bag and stuffing it with his most important belongings right now. He forced himself to stay in here and think it over. Maybe he’d have to vanish again –no, that was already a certainty. Staying was out of the question. But he had to be careful, had to think, had to wipe away all his traces.

Minyard knew where he lived –but he had known that for a while now, and the fact that none of his father’s men had shown up here until now told him that he had got some time left. Andrew Minyard was still a wildcard in this game. Maybe he was another player, Neil wasn’t sure of that yet. The man was dangerous, that was certain. If he isn’t one of the Moriyama’s… not one of my father’s –and he wasn’t, Neil thought he had gotten that right at least, then who is he?

Kevin Day was another piece on the board and there laid the real problem. Kevin Day was indisputably tied to the Moriyama family. He still wore the number two tattooed on his face for heaven’s sake. Riko’s second. But he must have had some kind of falling out with the Japanese mobster family when he had left the Ravens and joined the Foxes years ago. And Minyard had been Day’s shadow for years. The more he thought about it, the stupider he felt for getting close to the goalkeeper in the first place. He wanted to hate the man, needed to, so his mind wouldn’t search for excuses and possibilities, for misunderstandings…

‘The man named Neil Josten doesn’t exist.’ Yeah, no kidding, asshole. But he could have if you hadn’t ruined it all –twice! He hadn’t known back then that Kevin Day and Andrew Minyard had personally shown up to watch his game back then. All he had heard had been Foxes and that had been enough. He had skipped town that very same night back then. He had kept the papers though. He had gotten attached to Josten, and had wanted to bury Wesninski so deep that no one would ever be able to dig that bastard up again.

Part of him –a huge part, he had to admit– had always regretted running away during that game. The ‘what ifs’ had never left him alone again up to this day. Payback maybe? The thought came unbidden. He didn’t want to think of it like that. He hadn’t blamed Andrew Minyard for his pathetic excuse of a life. But it had felt like fate when the black car had pulled up next to him that night. No, he had not planned to harm Andrew Minyard –he had though, wanted to stay close to him this time, to avoid new regrets and ‘what ifs’. But fate hadn’t been smiling down on him, he realized now. Not at all.

‘Why did you run back then? And why are you back now?’ Andrew’s words replayed over and over in his head. Back at the goalkeeper’s apartment he had not been able to think clearly. Well, who could blame him, really? A background check, a knife to the throat… I ran because you would have exposed me to my father. I’ve already told you too much. All you need to do is ask Kevin now. That was a dumb move, idiot. He sighed. I’m not back at all. You came to me, or so I thought. I’m not so sure anymore.

It couldn’t all just be a huge fucking coincidence. What were the odds? Neil paced his apartment for the rest of the night, lights turned off, burning through his coffee reserves at an alarming pace. By the time the sun came up he was jittery, but the light creeping through his window was comforting at least. He had made it through another night. He was still here. He hadn’t run –yet. He would escape again.

And then he heard the car. Instantly he was at his window. “You gotta be kidding,” Neil growled, furiously. The black Maserati pulled over on the other side of the road. It was enough. He had enough. He could just imagine it; this crazy sociopath sitting in his car, waiting for him to leave, like a perfect little stalker… –Or maybe he would come up here. This is what you get for breaking the rules, he told himself.

Neil went to the door, grabbed his keys, pulled on his boots and snatched the racquet up that was leaning against the wall. He took the stairs down, jumping over the last few of each flight and to hell with the sleeping neighbors. He swung the front door open and crossed the street. If Andrew saw him coming, he had no time to stop him. Neil raised the racquet and smashed the driver seat window in. A million little pieces showered down around his feet and covered Andrew still sitting inside.

“Stay away from me! Or the next time, it will be you I break!” Racquet against knife, the odds were clearly in his favor this time. He pulled the money he still carried with him out of his pocket and threw it through the broken window. Andrew actually managed to look perplexed, if anything. Disturbingly calm, though. It made the hairs on Neil’s neck rise. “Now fuck off,” he hissed and turned to leave.

He heard Andrew getting out of the car, leaving the door open, but it took him by surprise just how fast the goalkeeper got to him, grabbed the racquet with both hands as Neil turned, and shoved him backwards against the wall, racquet pressed against his chest painfully. Andrew’s lips crushed against his, front teeth colliding, and if he hadn't pulled back fast enough, Neil would have bitten him. Instead, Andrew shoved some of the money back into Neil’s pocket, gave him another push for good measure that would leave bruises and turned around to get back into the car. Neil was fuming. He wiped his mouth and spat another insult at the man, but the Maserati’s engine drowned his voice out and Andrew, ignoring him, vanished down the road.

<<Ch13 Ch15>>

#lntycm #andreil #tfc fanfic #aftg fanfic #cval madness #andrew minyard #neil josten

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nawafithme · 6 years ago

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A Week In Austin, TX, On A $99,000 Joint Salary

Welcome toMoney Diaries , where we’re tackling what might be the last taboo facing modern working women: money. We’re asking millennials how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar.

Calling all entrepreneurs: We want to hear from you! If you’re a freelancer or self-employed, we’d love to feature your Money Diary. Submit here.

Today: an executive assistant working in manufacturing who makes $59,000 per year ($99,000 when combined with her husband) and spends some of her money this week on Cherry Coke Zero. We previously published a diary from this OP back in December 2017.

Occupation: Executive Assistant Industry: Manufacturing Age: 29 Location: Austin, TX My Salary: $59,000 My Husband’s Salary: $40,000 My Paycheck Amount (Biweekly): $1,660 (not including quarterly bonus) My Husband’s Paycheck Amount (Biweekly): $1,300

Monthly Expenses Mortgage: $1,550 (This includes property taxes and insurance.) Loans: $990 for two cars and one motorcycle and $100 for solar panels Electricity: $20 Gas: $15 Netflix: $12 (I share this with my BFF, and she shares her Hulu account with me.) Cell Phones: $100 Vivint Home Monitoring: $90 Car Insurance: $195 (Mine is $75, and my husband’s is $120.) Health Insurance: $32 (Through my work; covers me and my husband, plus a $20/paycheck contribution to HSA. My company puts $1,000/year in our HSA as well.) Husband’s Pension: This is awful but I don’t actually know how much they take from his check. He’s a firefighter and has no say in what gets taken out. I don’t contribute to my company’s 401(k) anymore. I previously did, but once my husband became a firefighter and gained the pension, I stopped. Savings: We have ~$20,000 in direct savings and ~$350,000 invested. The investment money came directly from an inheritance I received.

8:15 a.m. — Got to sleep in this morning because I have a doctor’s appointment. Normally I am onsite at work from 8 to 5, so I’ve low-key enjoyed having morning appointments during my pregnancy because I’ve gotten to sleep in. My husband hasn’t attended the majority of my appointments, but after a bit of arguing, he’s requested I schedule them when he isn’t working. So we get up and let the dogs out, I make myself a small breakfast of two turkey sausage links and a Babybel cheese, and then we head out. We drive separately because my doctor’s office is just down the road from my work.

9:30 a.m. — I check in at the doctor, and they ask if I’d like to make a payment. I know our HSA is basically empty since my company contribution has not yet hit, so I decide to just pay $125 today out of pocket. I know the $1,000 my company contributes to my HSA won’t cover these last two months of my pregnancy or the birth, so it makes no real difference if we pay out of pocket now or later. Luckily, my insurance has a $3,000 deductible and a $6,000 max out of pocket. So no matter what, these visits and the birth will be cheaper than my gallbladder surgery a few years ago. (I had horrific insurance then.) $125

10:30 a.m. — All done! This doctor is a MFM (Maternal Fetal Medicine) specialist, because I was diagnosed with gestational diabetes at 23 weeks. My husband had never even been to her office yet, so this was a first for him. They do a full ultrasound every visit, and he very much enjoyed getting a glimpse of our baby girl. I’m 31 weeks as of today, so there was a lot to see compared to the last scan he saw at 20 weeks.

11 a.m. — I arrive at work just in time for lunch. I get to my desk, check to make sure I don’t have any urgent emails or IMs, and then head to the cafeteria. My company gives us $30 for lunch per month and then matches an additional $30, so my lunch doesn’t cost me anything. I haven’t had to pay $30 yet this month because last month was so full of catering that I had a significant amount of rollover. Today, the options are carbs, carbs, and more carbs. So, bunless burger and side salad for me. People have a ton of different opinions and advice on how to manage gestational diabetes. My specialist told me that if the only way I can manage during the day without meds is to eat minimal carbs, I should do that. As long as I’m eating and getting nutrients, the baby and I will be fine. I find my body can handle certain carbs (rice, corn, potatoes) way better than bread or pasta. If I have any bread, my levels are through the roof. ($5.75 expensed)

12:15 p.m. — I finally waddle my way back to my desk. I’ve started waddling over the last week or so, and it’s made me move even slower. My office is almost a quarter mile from the cafeteria. It’s good exercise for me and baby girl, but also UGH, I’m exhausted. I plop down in my chair, turn on my heater because pregnant me is always cold, and start checking my email.

5 p.m. — I’M OUT! I used to spend a lot of money randomly online shopping, but ever since I got pregnant, I haven’t had much to stuff to buy. We don’t want to buy too much before our shower next month.

5:30 p.m. — I need gas. I absolutely hate getting gas. I’m one of those people who is literally zero miles from empty before filling up. I’m almost home and want to just get gas in the morning, but I also don’t want to be out of gas and pregnant at 7 a.m. when my husband is an hour away at work. So I opt to not push my luck. $32.18

9 p.m. — After getting home, cooking dinner (carnitas in the Instant Pot), and watching a couple episodes of The Magicians with my husband, we start our bedtime routine. I got bangs a while back so I can no longer wash my hair at night, so I opt for just a body shower to make tomorrow morning go faster, wash my face with an H-E-B makeup remover wipe, and then slap on some random moisturizer. My skin is wicked dry always, so I’m currently using some random lotion from LUSH on my face. It was a gift, and all I know is my face isn’t super flakey. Luckily I haven’t had to deal with any hormonal acne *knock on wood*. Lights are out by 9:30.

Daily Total: $157.18

5:15 a.m. — My husband’s alarm goes off. Since my last Money Diary, he went through the Fire Academy and became a firefighter/EMT in a city about an hour away. I’m incredibly proud of him, but his schedule has been tough to get used to. He works 24 hours and then has 48 hours off. He has to be at the station by 6:45, which means he is always there no later than 6:35. He gets up and tries his best to get ready quietly, but I always wake up to give him a hug and a kiss and to say I love you and to tell him to be safe. He’s been working on shift for seven months and hasn’t seen a fire yet, but I always want him to stay safe out there. The problem is I can never fall asleep after he leaves. I used to, but this far along in pregnancy, as soon as I wake up I become harshly aware of all the pain in my hips and just lie there snuggling the dog until 6 when I get up and get ready.

8:15 a.m. — Nothing I had at home for breakfast sounded good, so I waddle over to the cafeteria for breakfast. I opt for a scoop of eggs, a sausage patty, and a Cherry Coke Zero. People have lots of opinions on diet soda to begin with, and it gets super extra if you’re pregnant. Step off world, pregnancy is hard enough as it is. ($2.75 expensed)

11 a.m. — Lunchtime. I waddle over to the cafeteria. Taco Tuesday, FTW! I get mine in a bowl with rice, chicken, pico, pickled red onions, and sour cream. Delicious. ($7.52 expensed)

2 p.m. — My baby shower is coming up, and I would ideally like to wear a new dress. I browse the internet’s pathetic selection of maternity clothes and find a dress that miiight work. $14.12

5:45 p.m. — Get home and let the dogs out. We have two rescue dogs, and they are our everything. They used to spend every day in their crates, but since my husband’s schedule has him home quite a bit, they only spend a max of two days a week in their crates. They are both crate-trained and have no issues in them — they are loved, spoiled, and very content with their lives.

8 p.m. — I let the dogs out, clean up from my dinner (meatballs and marinara), and within five minutes they’re both at the door like MOM IT’S BEDTIME LET’S GOOOO. We all head upstairs. I turn on the TV in our room, do some general cleaning, and then crawl in bed by 8:45. I call my husband to tell him goodnight, and we are all one big snuggle puddle all night long.

Daily Total: $14.12

6:30 a.m. — I get up, get ready, and let the dogs out. Then I heat up the last of the low-carb pumpkin muffins I made last week for breakfast. I let the dogs in and let them roam instead of putting them in their crates, since my husband will be home by 8 a.m. This is mostly because it’s still so early for them that they will just go upstairs and get back in bed. They can’t be trusted alone for more than about 45 minutes, though.

11 a.m. — My morning flies by. Out CEO is coming in a few days, and this morning my boss asked me to create some slides for a presentation for him. It’s kind of wild to know that you’re creating something that will be shown to the CEO. It is also a great confidence booster that he trusts me to create this content. I finish by lunchtime and then waddle over to the cafeteria. Options look bleh, so I just do salad bar. Spring mix, mushrooms, hard-boiled egg, and ranch. It’s fine. ($4.18 expensed)

5 p.m. — I try to not take the toll road very often because I discovered the hard way how much the bill can add up. But I miss my husband and want to get home ASAP, so here I come toll road and 80 mph speed limit. $2.07

5:25 p.m. — I get home in 25 minutes, and my husband immediately asks if I took the toll because I’m so early. He then asks what’s for dinner, because he’s been hungry for the last hour but didn’t want to ruin dinner by snacking. Dinner is chicken thighs stuffed with cheese and bacon, plus Brussels sprouts for me and broccoli cheddar pasta for him. It’s easy, and he helps make it all, so I don’t have to stand for 30 minutes. I normally do 95% of the cooking, because when we met, his philosophy about food was that he only cooked things that took less time to cook than to eat. He’s a big fan of Chef Mic(rowave).

9 p.m. — BEDTIME! Yes, even when neither of us has to get up before 6:30, we go to bed at 9 p.m. I don’t function well on less than eight hours of sleep. Having a newborn is gonna be awesome.

Daily Total: $2.07

7:30 a.m. — Sausage links and a Cherry Coke Zero on the drive to work this morning. There’s a ton of fog, and it takes longer than normal to get to work. Feeling grateful no one actually cares/notices if I’m 10 minutes late.

9:30 a.m. — Breakfast did not cut it this morning, and I’m desperate for a snack. I grab a mini Kind bar.

11 a.m. — Y’all know what time it is. Waddle over. Beef and broccoli it is. I want another Coke Zero, but I opt for water. I normally drink four bottles (20 ounces) of water a day at work plus random amounts at home, but I’ve found this hasn’t been enough and need to start drinking more. Have I mentioned I’m pregnant, and that it’s a pure joy? Ugh. ($6.86 expensed)

2 p.m. — The baby has decided to stretch in a way that genuinely feels like her tiny hand might pop out down there. This is wildly uncomfortable as you might imagine, so I get up and waddle around the office hoping she changes positions. It works, kind of. She moves but only to a mildly less uncomfortable position. I try to stretch a little, and my boss notices. He asks how I’m doing and asks if there’s anything I need to help make working less of a pain. He’s a nice guy.

5 p.m. — Headed home. I don’t have to cook tonight because we are having steak, the one thing I trust my husband to cook completely with no supervision. I get home, love on dogs, love on husband, and plop my ass on the couch. He lets me know when they’re almost done so I can get up and prep my salad. I have a steak Caesar, and it hits the spot. It’s also low enough in carbs and sugar and all that so I can have a spoonful of peanut butter for "dessert." In case you were wondering, one of my Christmas gifts was literally a full cheesecake that is waiting patiently in my freezer for my return from giving birth.

9 p.m. — Bedtime routine. Husband works tomorrow, and I feel like I’ve barely seen him. I get pouty and hormonal and proceed to cry in bed for a bit. It’s unproductive since there’s literally nothing we can do about it, but he snuggles me until I fall asleep.

Daily Total: $0

7:30 a.m. — TGIF! Drive to work, settle in, check email, and do general admin work things.

11 a.m. — Waddle waddle. Pork loin, salad, green beans for lunch. ($7.35 expensed)

3:30 p.m. — My husband is off all weekend, which is GREAT and only happens like once a month, so I order groceries online for curbside pickup tomorrow because I don’t want to spend an hour shopping. I’d rather spend the time doing something together. I order chicken thighs, breakfast sausage, eggs, milk, cheese, produce, soda, chips, etc. It adds up to almost $90 somehow, but our soft grocery budget is $125/week, so whatever. I fight my impulse to add stuff I want but don’t need since I’m under budget. I remind myself that as soon as I can drink again, these savings will come in handy. $87.35

5 p.m. — My best friend is coming over for dinner and works closer to my house than I do, so I take the toll road home so I can beat her there. We eat pesto chicken and stuffed mushrooms, chat about nothing, and lounge around. She’s that awesome friend who is happy to come over and do nothing with me. She’s also that friend who understands that taking off your pants definitely means you aren’t leaving the house again. My husband texts that he’s jealous he’s missing out because even though he’s generally not very social, he really likes my best friend because she’s entertaining AF and always has stories to tell. $2.07

8:45 p.m. — I guess I yawned one too many times, and my friend insists on going home so I can go to bed. I keep saying I’m not tired, but I’m not fooling anyone. Say goodbye, let dogs out, and crawl in bed.

Daily Total: $89.42

7:58 a.m. — Our girl dog can hear my husband’s car when it enters the neighborhood, and she immediately jumps up in excitement. DAD’S HOME! He comes in, comes upstairs, and crawls in bed with me. We proceed to sleep for another hour or so.

9:30 a.m. — We finally get out of bed and decide since it’s nice out we’ll take the dogs for a walk instead of just letting them run in the backyard. We don’t walk them much because our yard is very large, and they get plenty of exercise. Also, one of them has severe anxiety and walks can be super fun until they are super not. We take the small loop around the neighborhood. It’s about a half mile and about all I can handle. Pups don’t encounter any other pups or people, so anxiety stays at bay.

1 p.m. — Neither of us feel like cooking, so when I suggest Chipotle my husband is super down. We get in the car and drive over there. My husband inhales his burrito in three minutes. $19.45

2:30 p.m. — I drag my husband to Target after we eat because we need new bedding. Well, we don’t actually NEED it, but I hate what we have and want all-white bedding because I can bleach it if the dogs make a mess and my husband agrees. Of course, one cannot simply go to Target and get only what one came for, so we leave with new sheets, new slippers, a bath mat, a dog toy, and a super cute onesie for baby girl. $185.22

5 p.m. — After a few hours doing absolutely nothing, I decide to start dinner. Lemon chicken in the Instant Pot. My mom got me an Instant Pot for Christmas. I didn’t ask for it, but she thought it would come in handy when the baby comes, and she was right. This thing is awesome, and I love it. Thanks, Mom! You da best.

9 p.m. — We take bedtime super seriously in my house. And by we, I mean me and the dogs. 9 p.m. rolls around and to bed we go. My husband is playing computer games and says he will join us after one more. I throw a fit because apparently that’s who I am now. I cry and cry about how I go to bed alone when he works and I don’t want to do it if I don’t have to. I surprise myself with valid points, but he apologizes and admits he didn’t even think about that. He crawls in bed for snuggles and that’s that.

Daily Total: $204.67

9:30 a.m. — And we’re up. I let the dogs out and start cleaning. When my husband has Sundays off, we have a group of friends over to play Dungeons & Dragons. I’m not that nerdy and was never interested, but after my husband asked me for literally years to give it a shot, I finally said yes. It’s fun. I don’t love it the way he does, but I enjoy it enough to spend my Sunday playing it. We literally play all day. Everyone brings their own lunch usually and then we provide dinner for the group.

8:30 p.m. — Everyone has left for the evening. It was a fun day — we recently added my sister-in-law’s husband to our group, and he’s proven to be an awesome addition. My husband and I do our bedtime routine and discuss how the game went today. Lights out by 9:30.

Daily Total: $0

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captainalwayslazycollectort-blog · 7 years ago

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Car insurance?

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

I got approved for the car loan but the insurance is more than the car note?

i am so mad. okay i got approved for an 05 pontiac grand am se. that barrier has been brought down. now im stuck with this insurance deal. since i am so new, its hard for me to get a good insurance quote. most places want 600-800 down and i dont have that kind of money. my car note would be around 330 but the insurance is mor3 than the car note. what am i to do? im checking progressive and they quote me at 161 monthy/1000 for 6 months. i cannot pay 360 a month for car insurance. im so sick right now...""

""What is the MAX for pain and suffering, coverd by insurance companies in CA?""

What I'm trying find out is what is the max, and what is fair, and what is likely, to get from a car accident? IF you know someone that knows forward this to them please!! I have over $10K in Medical and another 10K for missed work, plus I'm still not back to 80% moreover, am still in pain 90% of the day and night, 18 months later. So that is that worth?? If you asked me its millions, but I was told $35,000 was the max the insurance company will cover. Which is all the lawyer will really go after, right?? The insurance is offering to pay out 35K now, what do I do!! I could hire a lawyer, but would I get any more! I think not!! Moreover I would net less; after the lawyer takes their 30% and expenses, right?? What should I do and how to do it?""

Car insurance for a Ford Mustang GT?

I am saving up to buy a 2004 Ford Mustang GT for my 19th birthday. I have no wrecks or tickets on my record and have been to driving classes. How much would insurance be if 1) I had the car put under my parents name or 2) I had it put under my name only

What is a good affordable health insurance for a part time worker?

I am a part time worker averaging 15-20 hours per week, minimum wage. I do not qualify for the job insurance since I have to be full time. Not married, no kids, 20 years old, living at home with parents still. I have been very healthy, never been hospitalized for any reason. If anyone could help me find an affordable health insurance for myself, or even better an insurance that can also cover my parents and myself at a good price. My mother had surgery 5+ years ago, other than that she has been healthy. Is there any insurances out there that are affordable for me? Please and thank you!""

""I was hit by an uninsured motorist, and I have an uninsured clause in my car insurance.?""

My car was totaled out, and since my car insurance had a non insured motorist clause then I just have to pay the deductible, and they will cut me a check. I was hurt in the accident, and I wanted to know if my car insurance (Progressive) will also pay out pain and suffering. I am considering taking this guy to small claims court, but if I do then I have no idea what the outcome would be. IF my insurance offers me a pain and suffering settlement then should I take it? can I negoiate for a higher settlement? Everyone is telling me to take whatever is offered to me because the guy that hit my car didn't have insurance, and could possibly claim indigentcy in which case I would most likely never see the money. I can get a pain and suffering settlement from my own insurance, but I believe that the person that hit me should have to pay it, and I am also assuming that I would get more money out of him directly than letting my insurance cover the pain and suffering. This is my first wreck that I have gotten into, in which, I was the party that was damaged (almost died), and the other guy only received a ticket. I know that life is not fair, but like I said before, this is my first car wreck where I was owed money and the other person did not have insurance. Any information will be much appreciated. Thank You Very Much.""

Good health insurance?

Looking for good affordable health insurance.

Why is auto insurance cheaper in quebec than ontario?

How much is the insurance premium on a motorcycle 125cc?

Male, 18, Passenger car probationary licence suspended once on 2 accounts of speeding Preferably in Quebec, Canada""

How do i buy car insurance and how do I find a insurance company that suits me (cheap)?

ok so I've seen a car I would like to buy, how do I get car insurance? should I ring a call or get insured online? Also a list of names of insurance companies would be helpful? thanks""

Is This Right? (Retinal Detachment/Cataract/Lens/Insur... Question)?

Let me make a very long story short and get right to the questions. I have moved across the United States by myself at the age of 20 with no insurance covered by my parents, nor will they ever if they could. I had a retinal detachment in my left eye. Paid out of pocket for an eye doctor appointment, he freaked out and told me to go straight to the emergency room for emergency surgery since my entire retina was detached. After my surgery, half unconscious too, a social worker got assigned to me because I was under 21 and legally dependent on the state. So the state paid for my surgery. I had a 2nd one too because the first failed. During my 2nd surgery I had cataracts in my eye so they removed the natural lens. And they never replaced the natural lens since they feared the retina may detach again like the first time. But it stay together and I turned 21. So therefore, legally independent by the state. My check up appointment was after my birthday which the front desk of the eye section declared I must pay $80 for every check up visit, which they wanted me to come in every other week. And if I did not pay, I could not go in. Due to my 6 months of surgeries and recover time I had no money, and was not working. I live with my in-laws, and they were taking care of me, but they are certainly not going to pay my medical bills. So here I am now, age 22 and I have been working for about a year. My job does not offer health insurance until you worked for a year, and even then, there is a certain month you can sign up. I have been walking around for over a year without a natural lens, or ANY lens in my left eye. This is in no way like being blind. My doctor had told me that if I got my license and drove, if ever in an accident, I would get in serious trouble because you are not supposed to drive this way. Not that I do, I cannot see correctly so it is wicked dangerous. Having no lens in one eyes messes with your other eye. Hard to explain unless you have literally had this situation before. Sunlight glares into my bad eye, then into my good eye. Same with darkness or bright lights in general. I am actually very blind at night because of this. This is literally ruining my life. I have no money to pay for insurance, or the surgery which can be easily be 10,000 dollars. Is this legal for a county hospital to do? I have never heard of anyone in my situation. Even the thousands of times I have googled and searched. Never heard of anyone in my shoes. What are my rights here? Is there some way I can fight this? Where is my justice? This is holding me back so badly in life. Please someone with real help and not a crappy site they copy and pasted, help! I need some real human help!!""

Auto insurance for a new driver and a new car?

I got my licenses on March 30th, 5 days after my sixteenth birthday. I was so excited to start driving to school and what not but when i got home, my mom told me she would not buy me insurance because it's to expensive. I asked her how much it would be monthly but she wouldn't tell me. My first question is about how much would insurance be for me, as a new driver, and i have a new car. My second question is if i don't have insurance, can i still drive with my mom or dad or guardian in the passenger seat? (they have insurance for themselves) If i can't drive with them, i don't get how insurance will get cheaper for me overtime if i haven't driven and can't drive since my licenses test.""

Buying Car at 17 - Is there easier way to check insurance?

My parents are getting me a car for when i turn 17, and they asked me to look around online for one. The thing is, is there a easier way to check how much the insurance would be for me without answering a million questions. I just want to check approximately how much it would be? Because i need a car that would be about under 1500 a year insurance""

Which companies do temporary car insurance for under 21 year olds?

Everyone i find wants you to be over 21. Is there a company that give me temporary insurance? I am 18 years old Thanks

I am a new driver with insurance queries.can anyone help me?

i am a new driver and i am thinking of buying a cheap,affordable,small car (ford ka). The problem is that if i put my father's name as the main driver,who has his licence since ages,and put my name as a 2nd driver, how much approx. will my insurance come down to?+ i got my pass plus.""

Metlife Autoinsurance claim. Will rate increase?

I am under my parents metlife auto insurance.. recently my 03 DTS was hit in a hit and run while parked in the parking lot and my right bumper is cracked and tailight is slightly damaged.. I took it to local body shop and got an estimate of $932.00 for repair. Insurance deductible is $250 There are no claims on my familys auto-insurance, My parents are to worried that it may increase their insurance rate if a claim is filed... When I called Metlife to ask them would there be an increase if claim was filed they gave a B.S. answer saying that they dont know until after everything is done and then they decide.... So from your guys experience do you think rate will increase?........ If I cant proove that it woulnt increase its looking like Im gonna have to pull $932 out of my pockets""

Auto insurance question?

Ok, I have a friend who is going out of state for two weeks. I do not have a vehicle that runs and therefore do not carry any auto insurance coverage. My friend is wanting me to take her to the airport and drop her off in her vehicle that she carries insurance on, then she is willing to let me use her car while she is gone, and me come pick her up from the airport when she gets back. My question is, do I need to get me auto insurance for the two weeks she will be gone which seems silly to me, or does her insurance cover me???""

Are insurance rates high for classic cars?

Help with finding individual health insurance?

I'm 16 and my parents do not speak English. My sister and I (16 and 18) have Child Health Plus and my mother has insurance through her job. My dad currently has no health insurance because he could no longer afford to pay over $250 a month for insurance. He has diabetes and is having trouble controlling his blood sugar. How do I find an affordable insurance company? They said we can't have family health plus since we make a little over $3,000 a month but half goes to rent. What should I do? What is Healthy NY? Any advice??? thank you""

Car insurance?

how much would insurance for a 16 year old female cost for a 2000 Plymouth Neon Highline

I need some help with car insurance please.?

About a year ago my husband and I sold a car. We went through the usual channels with dealing with the plates, calling the insurance company and so on. Well today we got our yearly insurance cards in the mail and didn't recognize one of the cars they had given us a card for so I went over the statement. It turns out they have been billing us for insurance on a car we sold over a year ago. We never really noticed how much we should be paying in insurance for our cars and only get our statement once a year with these cars. We only pay $1504 a year for what we thought was two cars and I had assumed that was pretty good. In fact we were paying for three cars and an extra $663 a year on the car we sold. I haven't contacted the insurance company yet but my question is what are my options here? Will they give us the money back for the year we payed on a car we legally sold and what do they need, if any, proof of that? We have paperwork of the sale but no real proof we called them to inform them to take the car off the insurance. Will that we enough?""

What is the best health insurance company in Canada?

from your experience. just a student on a budget. i have two little ones as well.

Cheapest insurance in Washington state ?

My husband needs life insurance but has diabeties?

My husband needs life insurance about 50,000 but want payments cheap payments 40.00 monthly. We been trying to find some life insurance but some dont take with diabeties. My husband doesnt take insulin. Hes ranging about 100 to 180 every month on sugar level.. Any ideas on life insurance we should quilified!!!""

How long does it take for insurance rates to go up after getting speeding ticket?

how long does it take for your insurance rates to get affected if you get a speeding ticket.. does it apply right away or do i have time to go to traffic school.. and if i go to traffic school will all evidence of there ever been a ticket disappear?

""Im from the UK.Around how much would insurance cost for me a 17 yr old girl, buying a 1999-2000 toyota celica?

All helpful answers appreciated. Stupid answers are not welcome !

Mega life and health insurance?

What is the location of Mega Life and Health Insurance?

Do you have health insurance?

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

Insurance Status of a car buyer?

I am selling my car. Somebody comes to view and test drive my car. He doesn't have any car before so no insurance of his own. If he test drive my car and have an accident. What would be the insurance status? (I am on admiral by the way) UK People only Please. Thank you.

Health insurance for foreigners?

I am from India & I would like to know about the health insurance options for indians working in Malaysia. My husband is working but I am a housewife. His company takes care of his insurance. We are trying for a baby and I would like to know about the health insurance options for foreigners in Malaysia.

""How to go about getting a motorcycle, license and insurance...?""

i am from kansas and am going to get a motorcycle. can i get a permit? do i get a motorcycle first, then a license? how can i get a license first if i dont have a motorcycle? what is the order of getting a motorcycle, insurance, license? what do i do first second and third??""

""I am 17 years old, got my driving license 8 month ago, but i don't have insurance on my car! What would happen?""

What would happen if the cops would stop me? I have my mom's insurance, for my car , can it be helpful with the cops?""

Motorbike insurances?

hi,just wondering whats the best and most cheapest motorbikr insurance right now on the market.at the moment iv got insurance qoutes from ebikes and is quite cheap.but the thing is,if its any good?somebodys got any experience with ebikes?sounds cheap but if there any good to insure with them?got a kawasaki vn900 almost 1 year ncb and a EU full motorbike license.age 25 full motorbike lisence 8 years almost 9.""

""I am 18, how much approx will car insurance be?""

I am going to be getting my first car soon, i'm not sure what kind of car yet. But, I was wondering if anyone knows an approx. price for what car insurance could be for me?""

""The shutdown has cost 22 Billion in 11 days, how much health insurance would that buy?

in your opinion

Shopping for car insurance?

what are some good car insurance agencies out there?

My fiance got hit in my car is it an insurance problem?

I bought a car about 5 months ago and got full coverage insurance through State Farm with myself listed as the driver of the car and only my name on the insurance. My fiances car recently broke down so we sold it to salvage and canceled her insurance for it. I have two cars so I let her borrow the newest one today because its an automatic. Pulling out to turn a woman struck her passenger side with a minivan. I haven't seen it yet but the damage she says is very light a scratch and the front corner of the headlight broken. The other woman agreed it was totally her fault and provided all her insurance info but they didn't call the police to make a report :( So will this cause a problem when I call the womens insurance company or if I have to call mine if her insurance won't pay and who should I contact first just her insurance or mine and hers? I don't want to tell my company if I don't have to I turn 25 in a week and my rate is suppossed to drop big time and I don't want to screw that up.

Car Insurance Liability?

Should I go around and get $2000000 in liability, or should I just go with $1000000?""

How much would a personal health insurance policy cost for a family of 5?

My friend is thinking about quitting his job to play poker for a living. I abolutely don't think it's a good idea because he has three kids, so you don't have to tell me that... Although over the past month of doing that in AC, he is averaging $450/day, and he is smart about how much he risks and an amazing player. Anyway he had a union job with great medical insurance; but if he did this for a living at $450/day... he'd still be making like three times what he did/year. His medical insurance would have to be purchased individually now. I was wondering if anyone knew what that could cost for a family of 5? I'm thinking like 6-10K per year... that sound about right?""

What is with health insurance?

Americans and whatever other country has health insurance. what happens if you don't have health insurance? What is health insurance? Why do you need it? I live in Australia and I don't understand why you need health insurance when we don't.

Car insurance!?

im looking to get a car and insurance on my own is outragous. the question is my mum has her own car with her policy with NIS. on direct line i want my mum to be the main policy holder with me as an additional driver. is this possible for my mum to have 2 policies on 2 different cars?

How to get cheaper car insurance?

I'm 18 and want to get insured. How much would it be? I've been passed since July? What if I get my dad the registered keeper and me second driver? My mate she's 18 and she's got insurance. Come on, there must be a way!""

UK: Are there any other cheap car insurance companies besides Tesco?

I am sick of Tesco, but they seem to be substantially cheaper than any where else!""

Do you need full coverage insurance to take a driving test?

How does that work? Me and my boyfriend just got a car & I still need to get my license in order to get full coverage insurance, but can I take my driving test without full coverage? I'm in a bit of a pickle here any opinions would be great! I live in California.""

""If i study a childcare apprenticship, how much will i be earning a month?""

I am considering a childcare apprenticship, however i also have alot to pay out for, such as my car and insurance and rent, so i need to know how much i will earn before going ahead with this??? Does any one know?""

Car insurance?

how much would insurance for a 16 year old female cost for a 2000 Plymouth Neon Highline

Does my aunt need insurance to drive with a learners permit in CA?

My aunt just got passed the written test in the DMV and got a learners permit. I will be the one who will teach her how to drive. I have a valid CA license and the car we are driving is my uncle's. It is insured in his name, but he added me to his policy. Do we need to go to the insurance company and add my aunt to the policy or can I just teach her because I am insured with the car.""

How to stop the direct debit car insurance and switch to another?

I want to stop my current policy with RAC.. and switch to another car insurance which is cheaper. How do I go about doing this? I pay monthy.

Any suggestions on Pet Insurance?

Hi I've been looking at pet insurance from lots of different companies, and I've found that the high street insurances have so many ifs and buts in the policies that if my pet became ill or needed treatment I think it'll be very difficult to claim any funding. I've also looked at Pet insurance by companies specialising in pet insurance they seem to be more accessible but at the same time they are far too expensive monthly! Any suggestions as to a good insurance policy? I really want one because I'd hate it if anything happened to my dog and I couldn't afford the treatment!""

Why is insurance higher on sports cars?

I pay high insurance on my camero.But some of these non-sport cars seem to drive faster than me. But I do drive the speed limits.Do you think its fair I pay higher?

What is Aflac? Insurance? Something you add on to insurance?

They are offering a meeting at work with an Aflac rep but really gave no information. I currently have no insurance at all. Is this something I would want to look into? Thanks!

How much would it be to insure a 2nd gen. Dodge Ram 2500 with a Cummins Turbo diesel for a 16 year old boy?

Im looking for better gas mileage, and it appears the Cummins has better mpgs than its 5.9l counterpart. (dont be a smart *** and say no trucks get good fuel economy) But i would wonder if a diesel would yield higher insurance costs for someone my age rather than a regular gas engine.""

Where can I apply for free or low cost health insurance?

Im a poor student that works less than 20 hrs a week. I am a permanent resident (not a citizen). Please help. I think im going to die soon (see my other question). I also live in montgomery county maryland if that helps

Baby insurance?

Okay so my fiance and I aren't married yet. I am on my moms insurance until I am 19 and they wont cover the baby. He has his own insurance through WI called Hirsps. I can't change my license yet because my moms insurance will drop me and we dont want that to happen because it will be hard to get insurance to cover hospital bills. How do we get the baby insurance? Can we put the baby on his insurance?

I'm looking for decent but affordable health insurance that includes maternity...anyone know of some?

How can I lower my car insurance?

I have a 2010 Chevy cobalt LT. I pay $420 a month for insurance! I understand I'm 21, and it's a sports car. But I've been driving for 5 years, I've never got in a crash nor gotten any tickets. Why could this be? I know lots of younger people with much more expensive cars but they don't pay nearly as much.""

Can anyone be added to insurance?

I was curious if my dad could get me on his insurance plan (medical)? I can't afford insurance and I'm suffering from tooth pains, psychological illnesses, and need medical attention. I'm supposedly too old (26), but I wanted to know if my father could add me onto his insurance another way? Thanks.""

Who is the best student insurance provider?

i'm looking for health insurance and don't know who to trust?

""No license, but yes insurance?""

What happens if you drive a car that does have insurance but you don't have a license, and, lets say you crash.""

What is the average rate of car insurance for 16 year old driver?

I am going to be 16 and i am just wondering how much will the insurance charge is i get added on right when i get my license?

How much is car insurance for a 17 year old?

I know it all depends, but I'm talking on average, I live in the Manchester area and I've heard it depends on your area aswell?""

""I am 26 and currently a student and i dont have a job,i was looking for an affordable health insurance.?""

I am 26 and currently a student and i dont have a job,i was looking for an affordable health insurance.?""

Who offers affordable and reliable car insurance?

Money is really tight right now, and my car insurance is around $120 a month with Liberty Mutual. I'm looking at other agencies that offer great service and are less expensive. Is Geico good? Are there any other agencies I should look at? My record isn't too bad. One speeding ticket.""

Lawyer or insurance broker?

Lawyer - job offer, 35 000 as a trainee, but 6/7 months in advance doing course for it earning nothing...so pro rated less - after 2 years goes up to 70 000. It involves researching, managing documents, photocopying, proof-reading, filing in and submitting forms and paperwork, dealing with clients, managing their expectations. 9:30-8pm job. Insurance broker for a very big firm - job offer, 30 000 straight away pretty much, will go to about 50 000 after two years. Involves speaking to people over the phone negotiating risk on insurance products pertaining to companies, war, politics etc. Liasing with underwriters. Trying to get the best deal for clients. Less intellectual, more numerical, more oral than written communication. 9-7 job.""

What Are Some Legit Health Insurance Agency?

I've just been told that Mega Health and Life Insurance was a rip off company. (After I've pretty much wasted my time giving them information). Humana is so darn expensive for me. I'm a single mother of two. Working from home, due to my mystery illness. As of now I have no health insurance, but get by/ struggle with Care Link. ( Basically that allows me to make low payments on my medical bills, instead of paying the full amount up front) But I feel because of this method, most doctors aren't being up front with me. I also think this limits me from being honestly tested and checked out for my current on going problems. (I think they see me as a poor person that would never pay the bill off, so why test me?) I just want to get to better....there has to be some Legit and affordable health care out there! HELP!""

Car insurance and moving?

I'm going to buy a car soon, And then move pretty much right after that...It would be a good idea to get the insurance and plates and stuff before I go, obviously, but what will need to be done once I move? I heard that as long as I live in my parent's house, the insurance would be cheaper, well, I'd be moving out...so I have no idea how to get everything straightened around.""

What is the minimum requirements for insurance for a financed vehicle?

I know full coverage is required, but what determines if its full or not? anybody have a breakdown of each of the coverages etc?""

17 year old responsible driver that can't find car insurance?

I have a 1997 Mercury Sable with an ABS. I am a full time student and also have rent to pay. I need car insurance and fast, but nobody wants me for a decent price because of my age ...show more""

How much will my second speeding ticket make my insurance rates go up?

I received a speeding ticket in January for 90 in a 70 (I-5 on my way down to San Diego), and today I received another ticket for 86 in a 65 on Freeway 85 in Cupertino. The first ticket is being taken care of with traffic school right now, and since I can't go to traffic school again so soon I'm assuming the 2nd ticket will increase my insurance rates. Does anyone know how much they will increase? I'm 21 and am on my parents' insurance (USAA) because I'm in college, but I will be paying whatever the difference in premium is so I'm trying to get an idea of what the damage is here. Also, I know I messed up, so no need to tell me in the answers. I thought I'd learned my lesson after the first ticket but apparently I still haven't, so at this point I'm just afraid to get into a car.""

What size engine should i get for cheap insurance?

It will be my first car, and i don't really want to be paying allot on insurance, but want a nice nippy little motor. So what size is cheap for insurance but not too small to be really really slow lol.""

How much would insurance cost for a Audi R8 tronic quattro?

2009 Audi r8 tronic quattro?? Per year?

Car insurance?

how much would insurance for a 16 year old female cost for a 2000 Plymouth Neon Highline

Does my aunt need insurance to drive with a learners permit in CA?

Questions about homeowners insurance?

I called my insurance company, and they said it wont cost anything if I add my girlfriend onto the insurance policy. My question is if I add her on and dont get additional coverage and something goes wrong. Will My insurance cmpany give me a hard time GOD for bid something goes wrong. For example if something gets stolen or my house burns down, will my homeowners insurance say that they wont cover my furnature or tv etc because they can say it is my girlfriends or will I be ok?""

How much more do men pay for car insurance than women?

If a man and a woman are the ame age, same car, clean driving record, both live in the same city, and every other variable is the same. The only difference is their gender how much more would a man pay?""

Help with Car Insurance?

My current car insurance will expire tomorrow at 11:59pm and the new one will take effect at 12:01am. Am I going to have an issue with that 1 minute of non coverage? I know this might sound silly but I just don't know if that will be some kind of an issue. Any help is appreciated. Thank you.

What is the cheapest car insurance in ontario ?

I am 36 years old and employed, bought my first car in Canada, its 2000 Honda civic SE, looking to pay between $150-$200.""

Who's car insurance pays for an accident?

I lent my grandson my car one day while his car was in the shop and he had an accident. Who's insurance covers it

Hi there!Does anyone have a clue for cheap a car insurance?

i got my licence since june last year ,in november 2009 i bought a vw golf mk3 1.6 manual and i got it insured with swiftcover for 154 a month now the insurance is due for renewal and they send me a new quote for 138 a month,wich i think is still a bit too expensive! PLEASSE HELP!!! THANKS""

""I am moving from NJ to FL, what steps do i take to get florida plates, insurance, and registration?

I have a 2010 Hyundai Elantra. Which do i do first? What are the fees for each?

Statefarm locksmith coverages for auto insurance?

how much StateFarm reimburses for locksmith charges. I had to pay $139 for a locksmith to come and open my car. his service charge is 39.99 and $75 for opening car (tax and 10% credit card charge) it totalled to $139. now any of you has any idea how much StateFarm will reimburse me. Do agents play tricks to reimbruse less money. Any suggestions will be highly appreciated. Thank you

Motorcycle Insurance question?

I recently bought a motorcycle and i'm just about to buy insurance but i am abit confused, I'm thinking of getting the Third party fire & theft insurance, which means i wont get no claim if I crash my bike but what if the other drive is at fault? Does their insurance cover my damage or what? thank you""

How much do you pay for full coverage car insurance?

i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay

How much is MOTORCYCLE INSURANCE?????

I am 18. I want to get a sports motorcycle. How much will my insurance be?

So I'm a little confused about car insurance.?

So when the feeloaders who are generally poor and cannot afford car insurance, don't buy car insurance, which way is cheaper??? The gov't taxing me to purchase car insurance from the insurance companies for these freeloaders ? OR the insurance company simply raising my rates to cover the freeloaders ? You see, it seems to me that adding an additional layer of gov't beauracracy would cost more, but I have been told I am wrong. Am I wrong?""

""Can I add my wife's car to my insurance, rather then renew her own policy?""

My wife and I recently married, and it's time for her to renew her insurance. Her driving record isn't great, so her rates have been quite high. Being that we're married, can I just add her vehicle to my own policy to save money, or will she need to have the insurance in her own name??""

Why does car insurance quotes change every day?

How do i transfer my brother's car to my name in california?

its a 1974 vw bus. i want it as my car. how much is it to change it to my name? and im 17 how much wud the cheapest insurance be? and the tags are a few months outdated.. wat am i getting into?

""Looking for a cheap new car (2010-2013) with good fuel economy yet sporty and cheap to insure, any ideas?""

I'm a 19 year old male so insurance pretty much sucks. I'm looking for either a new or used car that is cheap both to buy and insure, but is also sporty and fun to drive, and good on gas. Anybody have any ideas?""

Does mods affect car insurance?

Hey guys I have a honda civic 2000 and i was going to to add some mods such as an intake and a BOV as well as body kit and other engine modifications. I was just wondering what would happen if i didn't tell my car insurance provider about these what would happen?

Where should I get life insurance for my parents?

Hello, I would like to buy life insurance for my parents without them knowing about it because we're Asians and Asians are usually superstitious about this and considered this as a jinx. However, my parents are both a lot older now. My dad is 67 and my mom is 57. They are both pretty healthy as of now. We are not very well off and so I worry. I just want them well taken care off even after death. I really want to send my parents back to their homeland and have them buried over there. It's really sadden me to think about it because I love my parents a lot. With that being said, can I please get some guidance on what I need to do? Are there any good companies out there that I can work with? What's a good life insurance plan? Is it true that after a certain age, you are no longer eligible to buy life insurance? Any other additional advice and tips are appreciated. Thank you for all the help!""

Help for purchasing Private Health Insurance?

I am self-employed and need to purchase Health Insurance. I've talked to sales people from Kaiser and some other companies-- but they all seem shady and they don't really seem to know what they're doing. Do you guys know of any insurance companies that you're happy with? Like good customer service-- happy with everything? Please let me know the names of the companies and a phone number I can call. Preferably in California... Thanks...

I got an unbelievably low quote from Response Wordwide Auto Insurance.Should I switch from StateFarm?

Their quote is about 1/2 that of all others

What exactly is a lapse in car insurance ?

What if I decided to ride my bike instead or what if I will be out of country for 2 months and want to save 200 Dollars and cancel the insurance? How do they define lapse ? I heard even when you don't own a car you will be considered to have a lapse in insurance and you pay more money even when you did not touch your car or didn't even have one.... that dosen't make any sense to me!

How to reduce payments for young car driver insurance ?

how to minimize it ?

Why does registration for a newer car cost more than an older?

Registering my 2011 vehicle in California costs 2.5 times ($249) more than my '94 vehicle ($99). I understand with auto insurance there's a premium to insure the newer vehicle because it is valued more, and if I get into an accident, it would cost the insurance company more for repairs/replacement for the newer vehicle. I can't imagine an accident with either car would cost the gov't any differently, so why is there an age discrimination being applied here? I have a feeling this is some BS fee. Am I right, or can someone please clarify.""

How much does blue cross health insurance cost?

I need it for a individual, 20 year old, with good health. This is for a project.""

Car insurance?

how much would insurance for a 16 year old female cost for a 2000 Plymouth Neon Highline

https://www.linkedin.com/pulse/term-insurance-vs-whole-life-wilson-branch"

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