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allyinthekeyofx · 8 years ago

Text

Affirmation 3/5

Missing Scenes Sein Und Zeit Scully POV

Part one Orison here

Part two Per Manum here

Three

I can remember, many years ago when I was just a small child, my Father taking my hand and hunkering down on his haunches so as to be eye level with me. His habitually stern countenance was softened by a sorrow that emanated from him that I didn’t really understand at the time. I had run to him crying; the sound of Bill’s mocking laughter ringing in my ears and sending the blood rushing to my face as I stumbled away from him and the group of boys who were willing conspirators in the reason for my humiliation.

I had dared to invade their pre-pubescent world you see, a tree house that really was nothing more than a few wide boards nailed flat to the boughs of the ancient oak that stood proud on the very edge of our property – and our house being the only one on the block with a tree that large, the vote had been cast that it should become the seat of their empire for the summer.

Girls of course, were strictly forbidden and I had been chased off more times than I cared to remember; but back then, with the finely honed - if at times misguided - tenacity of an eight year old girl I had waged a daily battle to be included; to be accepted in their adventurous clique and be given access to that erstwhile ‘tree house’.

The only way up was by means of a thick rope procured from my father – the strong multi-spliced length knotted tightly to a thick branch just a few inches from where the boards began and which fell straight and true to the ground below. I had watched Bill swarm up that rope countless times over the weeks past and it seemed easy enough – hand over hand on the rope, legs braced against the tree as he walked himself up the trunk, swinging his body slightly to the side when he reached the platform so as to angle himself enough to place his feet on the wooden boards below.

And on this particular day I had begged, without much hope I have to admit, to try it just once, a wide smile of gratitude almost splitting my face when, after a whispered conversation with one of his cohorts, Bill actually waved amenably at the rope and told me to go right ahead.

I made it to about halfway up when my small hands began to cramp on the rope, fingers momentarily losing their grip as I slid back down a few inches. It was enough to destabilise me and I suddenly found myself hanging in mid air, legs kicking helplessly as I tried to re-brace myself against the tree. And the more I tried, the more the rope swayed and the more futile it became. Without the trunk to carry some of my weight my arms rapidly tired as I desperately tried to hold on. The fall to the ground was probably around ten feet or so, but to me it may as well have been miles. I wanted to let go even so, the sound of laughter below me sending tears rushing to my eyes as I willed myself to just let go, to fall gracefully to land on my feet and prove to the assembled boys below that I was so much more than they thought me to be. But I just couldn’t. Frozen with fear, the rope beginning to burn the delicate skin of my palm I instead began screaming for Bill to help me, to please help me get down, squeezed my eyes shut as the rope began to spin; my brother quickly and confidently took a standing jump to grasp the rope just below where my sneakered feet hung limply. He grabbed hold of them, pulling me down to him roughly; the rope leaving burns on my palms even though I tried to keep up with his pace. I felt more confident now though he was there to catch me if I fell and in seconds I was on the ground again, falling squarely on my ass as soon as I felt the dusty grass beneath my feet.

Bill’s face looking down at me in vague disgust as snot and tears smeared my face before that mocking smile appeared that I knew so well.

“You’re such a girl Dana.”

And it had been enough to send me scrambling to my feet, dignity in tatters as I ran from their laughter and straight in to my Father’s arms, gasping out the reasons for my distress as he gently rubbed my back and held me against him.

“I HATE him Daddy I HATE him so much.”

He had knelt down before me then and spoke words that I had barely remembered until tonight when I had, at Mulders request, performed the autopsy on his Mother. But as I was preparing to make the first incision, those words had suddenly invaded my consciousness, the sound of his voice inside my head just as clear as though he were right next to me speaking aloud.

“Hate is too strong to carry around with us Starbuck. It’s equalled only by love and you will learn that both are present for all of our lives and both will prove to be as hard to bear in their own way.”

And I understood. For the first time I think I truly understood.

Because as clinically detached as I tried to be, as I was incising and measuring, weighing and cataloguing, the hatred for this woman burned so deeply inside of me I don’t know how I was able to bear it without raising my scalpel and slashing at her until there was nothing left but bloody tissue to remind me of all she had done to her son – a man who despite everything, still maintained a love for her she hadn’t ever really deserved. Even when I discovered the grim diagnosis so recently bestowed upon her with regards to her health I was unable to muster up even an iota of sympathy for her.

I hid it from Mulder of course; and really, as I watched him later begin to disintegrate in front of me, my hatred for her was replaced with a protective love for him that was so intense it blotted everything else out and became about him; only about him.

I have seen him cry before, there have been times when I have held him limp in my arms as his body shook with evidence of his quiet release, of trusting me enough to let go of whatever was insidiously eating him away inside, of allowing him to purge himself of his demons; and each and every time I have welcomed it; touched beyond measure that he has trusted me enough to lay himself bare in a way he habitually denied himself for so long before we appeared in each other’s lives. And while it has always been difficult for me at times, to not share his pain, to not welcome it to live inside me, has never been an option.

But tonight is different somehow, because as I pulled him against me and forced him to acknowledge that I was here with him, that he didn’t have to hide anything from me, I sensed that really, he wasn’t there with me at all. Locked inside his own desperate misery, his sense of failure and guilt, he quickly disentangled himself from me, unable to meet my eyes as he requested that I should go; that he needed to be alone; effectively smashing to pieces all that we had achieved over the last few months.

I wanted to argue, wanted to refuse to leave; to beg him if necessary to allow me to stay to take care of him. But even as the words were forming on my lips, he shook his head sharply at me, silently asking me to please just do as he asked before turning on his heel, walking away from me without a backward glance, in to the bedroom and then the bathroom, slamming the door behind him in much the same way as he had emotionally just slammed it in my face.

Because I love him I left, blinking back my own tears as I negotiated the rain slick streets that would lead me home.

And because I love him, when I was barely halfway there I slammed the car to a halt before executing a one-eighty degree turn and headed straight back to him.

Because I will not walk away from him anymore, knowing that regardless of how he tries to push me away we have come too far now to take the easy option with each other; a realisation that we have to stop hiding from each other when things get bad.

I arrived back at his apartment and when my knock went unanswered, I used the key given to me so many years ago to let myself in. To my surprise the shower was still running and that, combined with the silence that otherwise surrounded me, inexplicably caused the hairs to stand up at the back of my neck and I suddenly was scared, more afraid than I have ever been in my life in fact. Because I shouldn’t have left him regardless of how much he wanted me to, I should have planted myself firmly in this room and refused to move a fucking inch. Even if he had locked himself away from me in every way possible, I should have stayed. And I didn’t – I instead allowed him to send me away to battle this thing alone when really, I should have known that his reserves were so depleted at that point that he had nothing left inside him to battle with.

I’m not sure what I expected to find when I pushed open the door to the bathroom, tentatively stepping inside, subconsciously bracing myself for what I might see.

Because I discovered a very long time ago that Mulder places very little value on his own life; watched him so effortlessly and without hesitation as he sat before Modell in that stark white hospital room, press the cold steel of the revolver against his temple, pulling the trigger before my horrified denial had even been given voice; the blankness behind his eyes that could not be wholly contributed to the hold that had been placed over him and which had haunted me for weeks and months afterwards as I came to understand that in no way, was that the first time he had ever held a gun to his head.

But what I actually found in the bathroom was a very much alive Mulder, huddled naked and shivering in the shower stall as the icy water beat down on him relentlessly and he wept helplessly in to the folded shelf of arms he had crossed over his knees, hugging his body in a defensive posture that reminded me of a wounded animal. His skin was stark white and when I tentatively touched his shoulder with my fingertips after first shutting off the relentless stream of water, I found him to be freezing cold.

It reminded me of another time in another place when I had found him in a similar position but back then he had been trying to warm himself up and this time, there was absolutely no doubt in my mind, that this was simply another way of him punishing himself; for not returning her call, for not being there for her, for failing once more in his protection of those he loved just as he believes he has always failed.

It had taken him a few moments to be aware of my presence but eventually he had raised bloodshot eyes, confusion radiating from him as though he were trying to place me and truthfully, I have never seen him look as lost or as broken as he did at that moment; that every horror we had lived through up until that point simply melted away in to nothingness. Because the Mulder I knew, the Mulder who had fought and struggled and refused to give up the fight that had consumed him his whole life was just......gone; an empty shell of a man who just had nothing left to give anymore.

“You came back”

The words were whispered, barely even audible but I heard them. I think I will always hear him no matter how quiet he is.

And he allowed me to draw him to his feet, not resisting as I gently rubbed him dry, wincing inwardly as his chilled skin broke out in gooseflesh as I towelled away the moisture and the cool air of the room hit him, speaking soft words of assurance to him that he would be okay; that we would get through this together somehow.

I don’t think he believed me - even when I wrapped him in soft blankets and in turn wrapped myself around him, holding him tightly, spooning my body against his in an attempt to infuse him with my warmth as we lay together on the bed, feeling him tense and unmoving in return - I sensed he didn’t believe me.

But slowly, so excruciatingly slowly, as I stroked my fingers through his hair, teasing the damp stands that dried and softened beneath my ministrations, I felt him begin to come back to me, relaxing his body against mine as the trembling finally stilled and his breathing became soft and even once more.

And I was unable to suppress my own tears any longer as he sighed raggedly, repeating the words spoken as though he needed to affirm to himself that I was there.

“You came back”

Because I know that whatever happens in the future, no matter how hard things get for us, how much he tries to push me away or how unworthy he feels, that I will always come back to him.

Always.

Maybe one day, if he allows himself of course, he might realise it too.

Continued chapter four

(Sorry this took so long. It was a hard one to write. But the next part ‘En Ami’ is done and we switch to Mulder POV for that one. Brace yourselves cos it’s not pretty!)

#affirmation #my fic #series #season seven #angst #msr

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samuelfields · 6 years ago

Text

How long to keep your documents

I have a lot of pet peeves.

Old “friends” from high school asking me to join their MLM scheme.

Millionaires lecturing millennials about how they shouldn’t buy avocado toast to save money.

People who say that real estate is the smartest investment (spoiler: it’s not).

One of my biggest pet peeves: Banks and businesses that send you junk mail.

Whenever I go to my mailbox and it’s filled with promotional material, I just want to send the mail right back to them. In fact, I switched my car insurance a while ago because they just wouldn’t stop sending me mail three times a week! Ridiculous.

It’s especially ridiculous when it comes to banks. And with all the documents you get from them, it’s hard to know what to throw away and what to keep.

That’s why I want to go into what documents you should be holding onto and for how long.

How long to keep documents

Here are my frameworks for how long you should hold onto certain documents, and more importantly, why you should hold onto them.

Keep forever

Keep 7+ years

Keep for 3 – 7 years

Keep for 1 year

Throw away immediately

Later, I’ll go into good ways you can keep them safe.

Keep forever

These are the documents you’re going to want to hold onto for your entire life — or just about.

They can be split up into two different areas:

#1. Identifying / Vital information Identifying and vital information documents are ones that’ll identify you as, well, you. They include the following:

Passport

Birth certificate

Marriage certificate

Death certificate

Social Security card

Government-issued ID cards

If you need it to verify your identity, you need to keep it and keep it safe at all times. If you lose it, you risk becoming a victim of identity theft and losing a lot of money.

Not to mention, you’ll also have to enter through an overly bureaucratic process to get these documents back — which you always want to avoid.

#2. Taxes / Financial information These are things related to finances, taxes, and your estate. They include the following:

Wills

Tax returns (electronic or hard copy)

Tax payment history

Life insurance policy

Defined-benefit plan

Inheritance records

Legal filings

Bank account information (routing numbers, account numbers, passwords, etc.)

Morbid rule-of-thumb: If your loved one needs to access it after you die, you’re going to want to hold onto it.

Later, we’ll give you good ways to keep these things safe for as long as possible. For now, let’s move onto our next section of documents …

Keep for 7+ years

If you have any loans you are paying off, you’re going to want to hold onto all documentation regarding them until they are paid off. This depends entirely on your financial situation and ability to pay off your loan. These documents include things like your mortgage, car loan, and student loans.

Speaking of car loans, you’re also going to want to keep your car titles until you sell them. As before, this is going to depend entirely on your financial situation (though I recommend keeping a car for at least 10 years).

Other useful information to hold onto for the long term but not quite forever are documents relating to your investments. Including stocks, bonds, CDs, and mutual funds. Hold onto your purchase confirmations of those funds until you sell them.

Keep for 3 – 7 years

The documents you should hold onto for at least seven years all have to do with taxes.

Surprise. I know.

The Internal Revenue Service (IRS) suggests that you keep records that can verify your tax information for three to seven years.

From the IRS:

“The length of time you should keep a document depends on the action, expense, or event which the document records. Generally, you must keep your records that support an item of income, deduction or credit shown on your tax return until the period of limitations for that tax return runs out.”

The period of limitations refers to the time you can go back and make a claim to your tax return or the IRS can apply additional taxes.

The IRS also includes recommendations for how long you should hold onto supporting tax documents in relation to their statute of limitations:

Keep records for 3 years if you claim credit or refund after you filed your tax return.

Keep records for 6 years if you forgot to report income that you should have reported and it’s more than 25% of the gross income reported on your return.

Keep records for 7 years if you claimed a loss on “worthless securities or bad debt deduction.”

Keep records indefinitely if you didn’t file a tax return or if you filed a fraudulent tax return.

If that’s confusing, just know that you should hold onto any document that supports the information provided on your tax return for three to seven years. This includes:

Bank statements

Brokerage statements

W-2 forms

1099 forms

Bills from dependent care

Property tax information

Charity donation receipts

Keep for one year (or less)

This section is going to contain a lot more of your month-to-month billing statements. They include:

Bank statements

Credit card statements

Pay stubs

Water bill

Electric bill

Gas bill

Internet bills

Phone bills

Receipts

When it comes to the bills and credit card statements, hold onto them for one month after you receive them just in case there’s a discrepancy you need to address with the billing company.

You should also hold onto your receipts each month to make sure your credit and debit card statements are correct. Afterward, file it away in the trash.

When it comes to your bank and payment information, though, you’re going to want to hold them for at least a year as they’ll come in handy when tax season arrives. Once that year is done, though, feel free to throw them away — which brings us to …

Throw away

Rev up your shredder because it’s time to throw all the following documents away:

Pre-approved credit cards

Refinancing

Loan consolidation

Coupons

Catalogs

Publishers Clearing House offers

Store promotions

This is everything non-essential to your financial health and just exists to clutter your mailbox and make your mail person annoyed with you.

How to store (and destroy) your documents

For your important identification and financial information contained in the “Keep forever” section, you should store them somewhere they can exist safely long term. Here are a few suggestions:

Safety deposit box. Your local bank or credit union should have safety deposit boxes available to rent. Fees can range anywhere from $20 to several hundred dollars a year depending on the size of the box and its location.

Personal safe. You can also keep your documents in a sturdy, fireproof safe. Consider hiring a contractor or doing some DIY work to hide the safe to ensure further protection from thieves.

Protected electronic file. For bank and estate information, you could also opt to keep those documents in a password encrypted file on a backed up network. This will keep it safe from things that can bring down physical documents like fire and water damage.

For documents that aren’t as vital to your identity and financial health, such as tax records and credit card statements, you can simply store them in a filing folder or a drawer in your home. Most anywhere works as long as you know where it is and can access it easily.

When it comes to protecting your identity and finances, there aren’t as many investments better than a good cross-cut shredder. Use it once you’re finished with the documents to protect yourself from identity and monetary theft. That way, you can throw away your documents knowing no one will be able to piece them together.

Keep your financial future safe

Knowing how long to keep documents is a crucial step to making sure your personal finances are in order — but it’s only one part of it. You also need to make sure you have a system in place that hedges against the downtimes while also earning you money.

That’s why I want to offer you my Free Insider’s Kit. This is a collection of the best resources I have on personal finance drawn from more than a decade teaching people how to save, invest, and earn their money.

In it, you’ll find my systems on how to build a financial system, invest, and save for any purchase passively, and how to create income streams to give you a limitless earning potential.

Just enter your name and email below and I’ll send it straight to your inbox.

How long to keep your documents is a post from: I Will Teach You To Be Rich.

from Finance https://www.iwillteachyoutoberich.com/blog/how-long-to-keep-documents/ via http://www.rssmix.com/

0 notes

andrewdburton · 6 years ago

Text

How long to keep your documents

I have a lot of pet peeves.

Old “friends” from high school asking me to join their MLM scheme.

Millionaires lecturing millennials about how they shouldn’t buy avocado toast to save money.

People who say that real estate is the smartest investment (spoiler: it’s not).

One of my biggest pet peeves: Banks and businesses that send you junk mail.

It’s especially ridiculous when it comes to banks. And with all the documents you get from them, it’s hard to know what to throw away and what to keep.

That’s why I want to go into what documents you should be holding onto and for how long.

How long to keep documents

Here are my frameworks for how long you should hold onto certain documents, and more importantly, why you should hold onto them.

Keep forever

Keep 7+ years

Keep for 3 – 7 years

Keep for 1 year

Throw away immediately

Later, I’ll go into good ways you can keep them safe.

Keep forever

These are the documents you’re going to want to hold onto for your entire life — or just about.

They can be split up into two different areas:

#1. Identifying / Vital information Identifying and vital information documents are ones that’ll identify you as, well, you. They include the following:

Passport

Birth certificate

Marriage certificate

Death certificate

Social Security card

Government-issued ID cards

If you need it to verify your identity, you need to keep it and keep it safe at all times. If you lose it, you risk becoming a victim of identity theft and losing a lot of money.

Not to mention, you’ll also have to enter through an overly bureaucratic process to get these documents back — which you always want to avoid.

#2. Taxes / Financial information These are things related to finances, taxes, and your estate. They include the following:

Wills

Tax returns (electronic or hard copy)

Tax payment history

Life insurance policy

Defined-benefit plan

Inheritance records

Legal filings

Bank account information (routing numbers, account numbers, passwords, etc.)

Morbid rule-of-thumb: If your loved one needs to access it after you die, you’re going to want to hold onto it.

Later, we’ll give you good ways to keep these things safe for as long as possible. For now, let’s move onto our next section of documents …

Keep for 7+ years

Keep for 3 – 7 years

The documents you should hold onto for at least seven years all have to do with taxes.

Surprise. I know.

The Internal Revenue Service (IRS) suggests that you keep records that can verify your tax information for three to seven years.

From the IRS:

The period of limitations refers to the time you can go back and make a claim to your tax return or the IRS can apply additional taxes.

The IRS also includes recommendations for how long you should hold onto supporting tax documents in relation to their statute of limitations:

Keep records for 3 years if you claim credit or refund after you filed your tax return.

Keep records for 6 years if you forgot to report income that you should have reported and it’s more than 25% of the gross income reported on your return.

Keep records for 7 years if you claimed a loss on “worthless securities or bad debt deduction.”

Keep records indefinitely if you didn’t file a tax return or if you filed a fraudulent tax return.

If that’s confusing, just know that you should hold onto any document that supports the information provided on your tax return for three to seven years. This includes:

Bank statements

Brokerage statements

W-2 forms

1099 forms

Bills from dependent care

Property tax information

Charity donation receipts

Keep for one year (or less)

This section is going to contain a lot more of your month-to-month billing statements. They include:

Bank statements

Credit card statements

Pay stubs

Water bill

Electric bill

Gas bill

Internet bills

Phone bills

Receipts

When it comes to the bills and credit card statements, hold onto them for one month after you receive them just in case there’s a discrepancy you need to address with the billing company.

You should also hold onto your receipts each month to make sure your credit and debit card statements are correct. Afterward, file it away in the trash.

Throw away

Rev up your shredder because it’s time to throw all the following documents away:

Pre-approved credit cards

Refinancing

Loan consolidation

Coupons

Catalogs

Publishers Clearing House offers

Store promotions

This is everything non-essential to your financial health and just exists to clutter your mailbox and make your mail person annoyed with you.

How to store (and destroy) your documents

For your important identification and financial information contained in the “Keep forever” section, you should store them somewhere they can exist safely long term. Here are a few suggestions:

Personal safe. You can also keep your documents in a sturdy, fireproof safe. Consider hiring a contractor or doing some DIY work to hide the safe to ensure further protection from thieves.

Keep your financial future safe

In it, you’ll find my systems on how to build a financial system, invest, and save for any purchase passively, and how to create income streams to give you a limitless earning potential.

Just enter your name and email below and I’ll send it straight to your inbox.

How long to keep your documents is a post from: I Will Teach You To Be Rich.

from Finance https://www.iwillteachyoutoberich.com/blog/how-long-to-keep-documents/ via http://www.rssmix.com/

0 notes

mcjoelcain · 6 years ago

Text

How long to keep your documents

I have a lot of pet peeves.

Old “friends” from high school asking me to join their MLM scheme.

Millionaires lecturing millennials about how they shouldn’t buy avocado toast to save money.

People who say that real estate is the smartest investment (spoiler: it’s not).

One of my biggest pet peeves: Banks and businesses that send you junk mail.

It’s especially ridiculous when it comes to banks. And with all the documents you get from them, it’s hard to know what to throw away and what to keep.

That’s why I want to go into what documents you should be holding onto and for how long.

How long to keep documents

Here are my frameworks for how long you should hold onto certain documents, and more importantly, why you should hold onto them.

Keep forever

Keep 7+ years

Keep for 3 – 7 years

Keep for 1 year

Throw away immediately

Later, I’ll go into good ways you can keep them safe.

Keep forever

These are the documents you’re going to want to hold onto for your entire life — or just about.

They can be split up into two different areas:

#1. Identifying / Vital information Identifying and vital information documents are ones that’ll identify you as, well, you. They include the following:

Passport

Birth certificate

Marriage certificate

Death certificate

Social Security card

Government-issued ID cards

If you need it to verify your identity, you need to keep it and keep it safe at all times. If you lose it, you risk becoming a victim of identity theft and losing a lot of money.

Not to mention, you’ll also have to enter through an overly bureaucratic process to get these documents back — which you always want to avoid.

#2. Taxes / Financial information These are things related to finances, taxes, and your estate. They include the following:

Wills

Tax returns (electronic or hard copy)

Tax payment history

Life insurance policy

Defined-benefit plan

Inheritance records

Legal filings

Bank account information (routing numbers, account numbers, passwords, etc.)

Morbid rule-of-thumb: If your loved one needs to access it after you die, you’re going to want to hold onto it.

Later, we’ll give you good ways to keep these things safe for as long as possible. For now, let’s move onto our next section of documents …

Keep for 7+ years

Keep for 3 – 7 years

The documents you should hold onto for at least seven years all have to do with taxes.

Surprise. I know.

The Internal Revenue Service (IRS) suggests that you keep records that can verify your tax information for three to seven years.

From the IRS:

The period of limitations refers to the time you can go back and make a claim to your tax return or the IRS can apply additional taxes.

The IRS also includes recommendations for how long you should hold onto supporting tax documents in relation to their statute of limitations:

Keep records for 3 years if you claim credit or refund after you filed your tax return.

Keep records for 6 years if you forgot to report income that you should have reported and it’s more than 25% of the gross income reported on your return.

Keep records for 7 years if you claimed a loss on “worthless securities or bad debt deduction.”

Keep records indefinitely if you didn’t file a tax return or if you filed a fraudulent tax return.

If that’s confusing, just know that you should hold onto any document that supports the information provided on your tax return for three to seven years. This includes:

Bank statements

Brokerage statements

W-2 forms

1099 forms

Bills from dependent care

Property tax information

Charity donation receipts

Keep for one year (or less)

This section is going to contain a lot more of your month-to-month billing statements. They include:

Bank statements

Credit card statements

Pay stubs

Water bill

Electric bill

Gas bill

Internet bills

Phone bills

Receipts

When it comes to the bills and credit card statements, hold onto them for one month after you receive them just in case there’s a discrepancy you need to address with the billing company.

You should also hold onto your receipts each month to make sure your credit and debit card statements are correct. Afterward, file it away in the trash.

Throw away

Rev up your shredder because it’s time to throw all the following documents away:

Pre-approved credit cards

Refinancing

Loan consolidation

Coupons

Catalogs

Publishers Clearing House offers

Store promotions

This is everything non-essential to your financial health and just exists to clutter your mailbox and make your mail person annoyed with you.

How to store (and destroy) your documents

For your important identification and financial information contained in the “Keep forever” section, you should store them somewhere they can exist safely long term. Here are a few suggestions:

Personal safe. You can also keep your documents in a sturdy, fireproof safe. Consider hiring a contractor or doing some DIY work to hide the safe to ensure further protection from thieves.

Keep your financial future safe

In it, you’ll find my systems on how to build a financial system, invest, and save for any purchase passively, and how to create income streams to give you a limitless earning potential.

Just enter your name and email below and I’ll send it straight to your inbox.

How long to keep your documents is a post from: I Will Teach You To Be Rich.

from Money https://www.iwillteachyoutoberich.com/blog/how-long-to-keep-documents/ via http://www.rssmix.com/

0 notes

yourrainycollectorhologram-blog · 7 years ago

Text

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Does anyone know of affordable health insurance for college students?

Can someone add me to their car insurance policy without me knowing?

my husband, kids and I live in a split house with my in-laws and their car insurance policy was going to add us to their policy without us even knowing. is that illegal. my aunt works for state farm and she's never heard of it in her 25 yrs of working for them. i own my own car insurance through state farm and i don't need two.""

How to lower My car insurance?

If insurers are now meant to quote the same price for guys and girls for the policy's does that mean if i got a quote for a car as a girl lets say 1000 and I rang the insurer and quoted this would they have to match it so my quote would come down from say 3000 to 1000? As the law is meant to have changed?

Insurance price.?

how much would insurance cost for a 16 year old buy. like on average?

What would my insurance be with a DUI with a 2001 Ford Mustang GT? Nothing else on my driving record.?

I was in an accident but no one was hurt. I am thinking of getting this car but want to have an idea how much my insurance is going to be. I live in California.

How much insurance cost for 350z?

Im 18 and i have a clean record and what does the insurance cost in wisconsin ,Port Washington . For each insurance company if you can tell me please .""

How can I pay for my car's insurance?

I'm buying my first car tomorrow. I will be the Legal Owner and Registered Keeper but NOT the main driver (i'll be the 2nd driver of the car) Can I pay for the insurance using my card details (because i own the car and im getting insured on it, im just not the main driver because i will name someone else as main driver) ?? or does the MAIN DRIVER has to pay the insurance using their debit card?""

Anyone in Florida with a 220 insurance license?

I want to study for the 220 insurance test but before going to the school i needed to get a head start, and was looking for some study material can anyone help or send some lititure to study??""

How can i get cheap car insurance?

Wwhat are the characteristics of disability insurance ?

How much is insurance on a 05-06 chrysler 300c?

I plan to pay cash for it (around $8,000) and since I will only be 17, it will still be under my parents name although I am paying for it. Should I go with liability or full coverage, and how much would each cost?""

Renters insurance in California?

What does renters insurance cover? I'm renting a room from a friend but want my own insurance to cover personal injury without using the homeowner's coverage as well as if something gets accidently damaged by me for it to be covered. Is this included in renters insurance?

What companies offer good Business Insurance?

We are a small production/post production company for film/TV/marketing and need business insurance. We are located in Sherman Oaks, CA. Would appreciate suggestions for which companies we should reach out to.""

How much would insurance be for a young person with a luxury car?

I was wondering if there's anyone (preferably a lady) between 22-25 who has a luxury car like a Jaguar, BMW or an Audi, and how much you pay for insurance. I'm 23 & looking to buy an Audi A4 or a BMW 3 series (second hand). So just wanted to know if theres anyone else out there with those cars :) thanks in advance x""

Can I use my parent's car insurance to buy a car?

I have been covered under my parent's car insurance since I was 19 years old and still am. I did buy auto insurance for the new car that I am picking up today from the dealership. However, that insurance does not start until 12:01 am tomorrow morning. As I am still under my parent's insurance, can I use that insurance as proof of insurance when I go to pick up the car this afternoon?""

Can anyone recommend a cheap company for temporary car insurance (UK)?

only need it insured for a few days to get it MOT'd?

Can I cosign a car title with my boyfriend but just add another car on my insurance?

I already own a car of my own and my boyfriend had a car too until he crashed it yesterday. since we are tight on money I was going to help him pay for half of a new one and cosign on ...show more

Average price for mobile home insurance?

I am thinking about buying a mobile home from a family member and was wondering if anyone could give me some ideas on how much home owners insurance might cost

Why am I paying more for my insurance because of my credit?

So, I recently paid off all my debt that was racked up from an irresponsible boyfriend. My score is in the high 600's, so pretty mediocre....but I'm relieved that I don't have any debt. The insurance I pay on my car is a higher quote than normal due to my credit and I'm just curious why that would influence the rates. How does having past outstanding debt mean I am a bad or unsafe driver? I am 30, have a college degree, have a good job, don't have anything negative on my driving record. I just don't think that it's fair to be charged more than another person because of spending habits; the two (in my mind) are completely unrelated.""

""Affordable, good health insurance in Georgia?

I buy my own health insurance. Currently I am being ripped off by Blue Cross Blue Shield! They suck and they are very expensive. Anyone know a better health insurance that is not too expensive? I am a 27 year old female that makes $300 a week (just got laid off to part-time)

Sanderson Texas Cheap car insurance quotes zip 79848

Who's got the lowest insurance rates these days(auto)?

CANT GET INSURANCE LOWER THAN 6000 !!!?

I'm really frustrated as i've just passed my test and looking into buying a car and insurance and im quoting on a Vauxhall Corsa that is in insurance group 1 and getting nothing less than 6000 how the hell am i supposed to be able to afford that even with a full time job! its ridiculous i know that im 18 and male which is high risk but even if they said between 2000 - 3000 it wouldnt be so bad for me, can someone please give me an idea of what to do next?! :/""

I want to put my niece on my car insurance?

i drive a 2001 puegoet 206 and want to include my 17 year old niece on the policy.she has a provisional licience.does anyone know what this will cost approximately

""As a male with an excellent driving record, why am I forced to pay more for auto insurance because of others?""

who have a poor driving record, and who happen to be the same gender as me? Why does having male chromosomes make me responsible for the poor driving record of other people just because they happen to be the same gender? Why does having a uterus make women NOT responsible for those same people? Why is there so much gender discrimination in auto insurance?""

3 car crash.. I am the insurance companies hunt !!?

Hello .. I would like to listen to your opinios regarding this situation that has turned into a nightmare for me !!! I spent few months in Australia.. I have a full driving license.. I was driving on the M4.. I had 2 cars in front of me .. I was in the last car in the row ( third car ) .. the car in the front ( First car ) has braked suddenly .. The car in the middle ( second car ) hit it causing it much damage .. I could not stop at the right time and i hit the middle car afterwards .. Now .. The man in the middle car has lied to his insurance company and said that he stopped at the right time but when i hit him i made his car jump to the front and hit the front car .. I have now 2 insurance companies chasing me for money and treat me as a hunt because i had no third party property damage at the time of the accident .. My understanding was that the greenslip covers these things but actually they dont .. I have received bills from both companies.. 7000 AUD for the front car and 2000 for the middle car .. The details of repairs in the middle car ( that i hit on a very low speed) shows that damage at the rear of the car cost only 427 AUD and i offered them to pay it .. They refused and threatened me to go to court.. The police did not come at the place of the accident .. What do you think i should do?! How strong will be my situation at the court ?!

Can you help me wit this maths question please?

Greg sells car insurance and home insurance Car insurance 200 Home insurance 350 His basic pay is 530 And 5% of each car insurance sold And 10 % of each choke insurance He sells 6 car insurance And 4 home insurance What is the total amount of money Greg earned in may ?

Best insurance policies in india?

Hi friends, please suggest me the good insurance policies for savings as well as risk cover . . hw ULIP s will perform wen compared to traditional policies ...my budget is around rs.1500 p.m""

Why does another persons driving record affect my insurance?

sharing a residence with other people doesn't mean sharing vehicles or the responsibilities, so why should their driving record affect my insurance rates?""

Can i change my car insurance over to a new car after 2months ?

Is this possible and how does it work ? Can i change it over , let me know please , Thanks I have car that i only plan on having for 2months and then getting new car , is it easy to change it over to new car and what does it cost ?""

Car insurance for diabetics?

So I'm relatively new to the world of driving at the age of 23 and I am also a Diabetic trying to find cheapcar insurance that would cover me. Anyone know of any insurance agencies that won't drastically raise my insurance costs because I'm a diabetic, or any low cost ones that cater to diabetics?""

How much is an Audi A4 to Insure?

I don't want a quote, and I don't want an american insurance bracket or whatever they're called, just, if you could, name a car that would be about the same as an Audi A4 to insure. 1.8 litre, say, 2000-2002, I hear they're cheap to insure but, if anyone could confirm or deny I'd appreciate it.""

How much money insurance can offer my car severely damage in accident 1999 Mitsubishi diamante 132000 mileage?

some one hit in front while i was waiting to traffic pass , i have aaa and they have state farm insurance.""

Am I paying too much for my home insurance?

I live in a suburb in Norcross, GA, a suburb area. My mom bought the house about 8 years ago, it is now maybe 11 years old house. We've been using Liberty Mutual since 2005, premium was $1450. I just found out that premium is now $3800. *knock on wood* my house condition is fine, not close to ocean or river. I think my mom is paying way too much, but I am not sure what should I do now. Should I call Liberty Mutual to lower it or should I look for another company? If I call, how should I ask to lower the rate? Thank you!""

Need help understanding some insurance terms and policies.?

What is a HYBRID health insurance plan? Has anyone used this type plan?, specifically NEW HEALTH CHOICE, GOOD HEALTH. Beyond this...does anyone know of a good, affordable insurance for TEXAS. I really need help understanding this type plan. Sound too good to be true therefore it usually is.""

How can I get car liability insurance without USA drivers' license?

I am a foreign citizen and we would like to buy a car in San Francisco for a cross country trip. The only problem seems to be the car liability coverage insurance, which is obligatory to have when driving. How the others do, who make such trip? Are there insurance companies offering daily rates, or periodical packages with not American drivers' license? Car rental places offer liability insurance for 12.99 per day, so I think of something, like that. Thank you for the responses. Zsolt""

""If i was an officer in the air force, does that military help pay car insurance?

how nice r the houses on base and how much meal do i get to eat per day while living on base?

Can i pay for my car insurance weekly?

i am 20 years old and im finding it hard to get insured. is it possible for me to get insurance for a week and only use the car on the weeks that i insure it? it would work out cheaper for me that way because i would only pay insurance on the weeks i need the car... thanks

My car insurance is renewing March 25th If i switch insurance companies March 1st?

Am i responsible for the whole amount of my insurance payment or am i responsible for being covered Feb 25 thru March 1st??

How long does it take to get added to your parents auto insurance?

we have statefarm

I need an insurance quote!?

about how much would my insurance be for a 2005, 2 wheel drive, toyota tacoma, in are code 91773, southern california???""

Are Virginia car insurance rates cheaper than Maryland's?

I live in the DC area and I'm trying to figure out the pros and cons of living in the Virginia or Maryland suburbs. I heard a rumor that if I move to Maryland, my insurance company will jack up the rates. Does that sound right? Why would the rates be higher just because I cross the state line?""

Are you going to purchase health insurance as required by law ?

Now that the public option is off the table ? http://news.yahoo.com/s/ap/20091209/ap_on_bi_ge/us_health_care_overhaul Where's the guarantee that it will become affordable ?

Obama Compares forced health insurance with car insurance? WTF/ No one is forced to buy a car?

Why does obama compare forcing citizens to buy his corrupt insurance for welfare medicine to buying auto insurance? No one has to own auto insurance...IF YOU DON'T OWN A CAR? How did we end up with the stupidest man on the planet as our president when he's just an idiot?who cannot debate the simplest issue--and make wild irrelevant examples. His plan is not like auto insurance--so why can't his fans as dumb as he?

Best value car/insurance for a new driver (teenager)?

Hey Ive just started taking driving lessons (im 17), and am hopefuly gonna buy my first car soon. I'll probaly just get a second hand one from the paper, but, is there that much difference in the insurance cost with the different cars (like, if i buy a Vauxhall Cora will it be more expensive in insurance than if I get a Ford Focus etc etc). Also, how much will I be looking to pay for for insuance? Im hoping its no higher than 500 a year, as I dont have a ton of money. Thanks""

Anyone have experience with Medi- Cal? or some other heatlh insurance assistance in CA?

I live in California. I am afraid that I might lose my job and health insurance before I have the baby. Does anyone know anything or every been on Medi-Cal? If so how did it work? Or are there any other options in California for pregnant women with no health coverage? Any information will be helpful and thanks!

Sanderson Texas Cheap car insurance quotes zip 79848

How much could be the average insurance for a SMART car?

""Drivers licence, auto insurance in california.?""

I have my drivers permit, and I want my drivers license. I don't have a car so if I get my drivers license are they going to make me pay for auto insurance? Because I don't plan on driving a car, I don't have a car yet so how can they make me pay for auto insurance if I don't have a car? I just want a license so that I can save up for a car and just have a license before I buy a car. So I have until August 2010 to pass my drivers test and this insurance thing is really holding me back because I don't have money to pay for car insurance. So can they really make me pay for car insurance in California when I don't have a car to drive?""

I would like to buy a car.How much is the price of the car insurance about? I am going to buy a 1300cc car.?

What effect does a minor ticket out of state have on insurance rates.?

A few months ago I got a ticket in Maryland, where I go to school, for going the wrong way down a one way street. The ticket was only a small fine and I don't think any point were given. Recently I just got another ticket for making a wrong left turn in New Jersey, where my permanent address is. Normally, my insurance company, geico , would let one ticket slide but I'm not sure if they would even know about the Maryland ticket. I would appreciate any information.""

Motorcycle insuance question?

I am 18 in CA and I plan to get a motorcycle as my first motorcycle because of high gas prices. I am thinking of getting the Kat 600 because of its comfort, I read so many reviews how good it is for long trips and stuff, now how much might my insurance be, also take note that I am getting one used and that I have 0 road experience even in a car, and I am starting my own insurance policy. Thanks.""

How much should I expect my homeowners insurance to cover?

Last month, my car was broken into. A laptop and and navigation system were taken, all together costs about $1700 to replace. How much should I expect a check for? I'm looking for new laptops at the moment and I'm thinking of purchasing a replacement before the check comes in.""

""What would be 15,000 pounds after tax and insurance for one month?""

What would be 15,000 pounds after tax and insurance for one month?""

Car Insurance help?!?!?!?

Im 16, im gonna take the 5 hour pre-licensing course this week and i was wondering if it lowers your car insurance like drivers ed does. thank you""

Ok where can someone get health insurance?

ok where can someone get health insurance to get a vasectomy reversal is there any health insurance that helps pay for that

Cheap car insurance for 18 year old female in uk?

Please suggest companies that you have used or know off that are cheap for this age group. The cheapest quote I've found so far was approx. 1780 but I need it to be cheaper. You help will honestly be appreciated

How does 21st Century Insurance Compare to Allstate?

I currently have allstate for my car insurance. I was given a quote from 21st Century Insurance and it is less than half of allstate. Is 21st Century a good company to get? Or should I stick with Allstate?

How i can find a cheap car insurance?

Geico or Progressive Car Insurance?

I live in Chicago, IL. Which company offers better car insurance?""

""I'm 57, am learning to drive a car, will need the best and cheapest car insurance, how will I know which is re""

i just want to be able to drive my car, and know there is help there for me, when and if I ever need it, without all the hassles of being stranded. Am in the process of checking out AAMI, RACT. Comprehensive for a first off driver is about $859 a year!! would i be better to Join RACT emergency on road assistance AS WELL AS taking out fire and theft third party insurance separately? I will be about the only driver, with a friend or two......is this the best cover for me? Say...for 1,2 years until I build up a reliable record? enough then to qualify for cheaper comrehensive insurance car cover?How will I know what is really the best for me?""

How much is insurance for a street Motorcycle ?

How much would it cost me monthly for insurance on a street motorcycle. Original cost of motorcycle 4,500. I'm under 18 and have a GED hope that helps. Thanks""

Cheap car insurance for 17 year old?

Hi, I have just passed my driving test and need to insure my car. When I had a provisional licence, my insurance was 550 a year, but now the cheapest I can find is 1850 a year now I have passed! The insurance company I was with only covers learners. Anyone know where I can get cheap insurance? I have tried all the comparison sites. Should my dad insure it and put me on as a driver? Thank you.""

Insurance question UK?

hi i have just passed the uk driving test . what car should i get that would cost me the lowest insurance but don't say Nissan Micra plz :).. and what else can i do to make it lower . the quote i got is 3,000 is that alright for a fresh new driver on a golf 1,4?""

How much can I expect my car insurance to raise per year because of a speeding ticket?

I am 19 years old (so I know the car insurance companies are kinda screwing me to begin with). This is the first time I have been ticketed for anything. The ticket was for 10 over on a highway (80 in a 70) and because it was on the highway it will only add 1 point to my license. This is the only point I have acquired on my license, and I've had a license for 3 years and 4 months. My parents currently pay for my car insurance because I am a college student, and the deal we have is that as long as I am a full time student with over a 3.0 GPA they will pay for my insurance and cell phone bill and I will be responsible for all other expenses (school, rent, food, gas, clothes etc.). I do feel bad about it and I'm hoping it wont cost them too much money. How much of a spike should something like this cause?""

How long does it usually take for an insurance company to pay a life insurance claim?

My father-in-law passed away in April 2009. He died of pneumonia. He had a life policy with a large national company. My sister-in-law is the beneficiary. Here it is, almost a year and a half later, and they still have not paid on the claim. I told her to contact the state insurance commission.""

What are some affordable model of cars to insure?

I will be purchasing my first car in a few months. I need something safe and reliable, as well because I have two small children. What model of car would you recommend?""

Cheapest car insurance - 17yr male?

Pretty much says it in the question - what insurers do you go with, how much does it cost you, what car do you have. Full license.""

Insurance question !?

I live In London Ontario and I'm 16 I'm about to get my g1 if I pass use my parents car for a year and do drivers Ed and if I buy a Honda civic 2009 manuel transmission, hOw much would insurance be ? Please list a bunch insurance companies and tell me the price thanks!""

Roughly how much is car insurance for a new driver in uk?

im going to get my license because i've been told it's good to have early. but i can't decide whether or not to look into getting a car. i just need a rough idea of how much insurance is. i have no idea what type of car. just basic. i just need a rough price please.

What would Jesus do I f he didn't have car Insurance?

what would Jesus do I f he didn't have car Insurance ? and there was no help from god?

How to find a car that will have cheap insurance?

Hey! Im an 18 year old guy thats about to start driving , and as always the case - insurance is a KILLER. Im going to get a used car and i honestly don't care about the looks aslong as it functions fine! Just wondering what i can look for that will minimise insurance price? Small engine , age etc? Thanks :)""

Sanderson Texas Cheap car insurance quotes zip 79848

Cheap auto insurance in Alberta?

I just got my first car and I am looking for auto insurance for the first time. Which companies offer the best rates? My car is 1988 mazda, how much does the insurance usually cost for my situation per month?""

Can I cancel my car insurance?

Right now I have my permit and want to get my license but I go to a boarding school so I only need my license for the summer. Is there a way I can get car insurance for only the summer and then cancel it before I go to school? And if there is, will that have an effect on my license? Will I have to redue the entire driving test again?""

Can i buy car insurance in another state?

I live in PA, but im currently staying in Iowa for another month. Just bought a car here with a temperary plate, and i was wondering if i can buy insurance here so i can drive this car around for a month, then ship it over and register it over there. Thanks!""

How do I get a license to sell insurance in california? Can someone please tell me step by step?

If you know of classes offered or helpful websites, please provide.""

Dependent's health insurance?

My friend wants to move into an apartment with me, we are both in college so we want to be roommates, but her parents say that they will not pay her health insurance if she moves out. Since she is a student, she is going to be a dependent of theirs for a few more years. Does being a dependent of her parents legally obligate the parents to pay her health insurance?""

So I'm looking into buying a Honda Element but I want to know how much insurance n gas n all that would be?

Help please lol and if overall if its worth it

Where to find affordable complete health insurance?

i am looking fior affordable health insurance, like as in family. i am looking online, but so far have come up with nothing. they are dropping my insurance at work, so i need to find something. if i have to go online to find it, that is ok.""

Car insurance for a 1993 Toyota Celica? ?

How much would car insurance be for a 1993 Toyota Celica? I will be 21 in August, have a clean driving record, no accidents, married with a child. I am a full time college student with a 3.2 GPA. How much should I expect for car insurance per month? The car has 160,000 miles on it. Please, no advertising websites, just real answers. Thanks!""

What is all the car insurance and extra costs?

what is everything you have to have for a car like the insurance and all that and how much does it cost?

""Generally speaking, what's the cheapest auto insurance you could get?""

Generally speaking, what's the cheapest auto insurance you could get?""

Do you have life insurance?

How can i get cheap car insurance in the UK?

hey people, i have tried getting cheap car insurance for a while n i have had no joy. the cheapest i have got it is about 2,897 that is ridiculas for a 18 year old male at college who hasn't got a penny spear! i got a car givin to me a 1998 ford fiesta 1.25 zetec and i need help pritty bad. please help me!!!!!!!!!!""

Insurance cost?

i'm 17 years old, my car is toyota celica v4, 2 doors. can anybody tell me how much my car insurance cost, no need exactly but close to""

Name some good life insurance companies?

Burial insurance I need for future.

""How many people out there would love a health care insurance exchange, where you can buy insurance on your own?""

and not have to choose a job based on benefits, and you could switch jobs without worrying about losing coverage. Why would people be against this, unless they are part of a union and do not want everyone to have great benefits like they do?""

Insurance or not insurance?

hi i had 4 years insurance no claims bonus last april 2011 on my car , i changed it onto a van and drove ir for a year, ... in october i was in court for handling stolen goods ... which i did not disclose to the insurance company at the time because i thought the offence was dropped as it had happened in 2009, anyway in november i had to renew farm insurance with a different company in november and they declined the renewal because of the criminal conviction,.. so i asked the company that my van was insured with for a farm quote and again was declined, i asked about the van insurance being valid and was told to inform them at the renew in april,... in april they declined to renew the van insurance because of non disclosure of criminal conviction,... and told me last years insurance was void and i would be refunded premium and not be intilted to my 5 year no claims bonus,.. two days later they decided not to refund and have gave me my 5 years no claims bonus,.. ??? as the insurance was valid and that they covered me while they knew i had a conviction and non disclosure , do they have the right to refuse me renewal and , why can i not get a quote of them for renewal, the quote i got of some one else is 3 times last years price , need advice thanks""

My car was rear-ended but I don't have car insurance?

Someone rear ended my car today. My insurance has been expired for a while now but I still called the insurance company and they filed a claim for me. When I mentioned that my insurance had expired, the lady who filed the claim said that the adjuster will call me on Monday and give me the details. Though the accident wasn't my fault, I am worried about not having insurance at the time. Also, nobody was injured in the accident but my back bumper had a very minor scratch. Was what I did wrong? And should I be worried about anything?""

Car insurance for teenagers?

Is there any teenagers (MALE) who have got a quote for less than 600 with 1 years no claims bonus? If so, which insurance company is it with? The prices im getting are insane! I live in the UK.""

I'm looking into insurance sales as a career change. Which company would you recommend?

I have a strong background in sales, a college degree or 3, and a strong drive to succeed. However, with so many companies out there looking for agents, I'm having a hard time narrowing it down.""

15; might be pregnant without insurance?

Okay yeah i know i asked this already but i didnt get enough answers. please if yu reading this answer me and NO HATEFUL COMMENTS. how much would it cost for a blodd test in florida? and would the teen clinic help me?

Car insurance help...please?

im 17 and im about to get a car from a friend but i wanted to know if my mom can just add the car to her insurance and not say anything about me driving it. then i can drive it and the car will still be insured right? thats basically what im doing right now anyway. i have my permit and im driving my mom's car to practice in, but the insurance company doesnt know that. my friend has his liscense and his parents gave him his own car, but the insurance company doesnt know hes driving it. if he got into an accident, wouldnt his parents insurance cover it since the car is in their name?""

Since car insurance is required?

and for many car ownership is not an oppition, should car insurance be on a sliding scale?""

Do I have to pay more for my car insurance?

I purchased a car with a car loan and I had to get full coverage insurance. I pay monthly and I have to do this for 6 months. The sixth month will be on May. I just paid off my car loan so I no longer want to pay extra money for full coverage. I had to pay a down payment for my insurance so my monthly payments would be cheaper. My question is do I have to pay another down payment if I switch to the liability coverage? Do I have to pay those last two months in order to switch to a liability coverage? I live in California.

Insurance in Queens?

I live in Queens, New York (I'm 27). I have a Toyota Camry 1997. I only have liability insurance but for some reason I pay ridiculous insurance - I pay around $330 a month (have ...show more""

Is there such thing as unemployment health insurance in TX?

I don't have a job but I want health insurance. I live in Houston, TX. What is my best approach to this problem? (other than getting a job that has insurance)""

Sanderson Texas Cheap car insurance quotes zip 79848

https://www.linkedin.com/pulse/how-much-do-fed-ex-drivers-pay-insurance-michael-haney/"

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jorge5000 · 7 years ago

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Pamir highway via Wakhan valley in 7 days

This is my account of a trip I’ve done over Pamir highway via Wakhan valley in early August 2017. As always, I’ll focus on things relevant for planning your own trip, not my impressions. Please read About this blog.

Pamir highway via Wakhan valley route:

Khorugh - Bibi Fatima (public transport)

Bibi Fatima (next to Yamchun) - Zong (~30 km on foot)

Zong - Langar (~5 km on foot)

Langar - Rachiv (?) (private car ride, ~35 km) - Mats pass (~35 km on foot)

Mats pass - Maisara pass - M41 (~35 km on foot with a short hitched ride) - Alichur (hitched a ride, ~60 km)

Alichur - Murghab (hitched a ride)

Murghab - Osh (public transport - a shared taxi)

Somewhat informative map with my checkpoints. Download the image for higher resolution.

Check out this detailed map scan of the area and its legend. You can buy it in the tourist info center in Khorugh park in the center (somewhere near here). I do not own copyright to it, it costs 150 SOM and it’s here just to help you plan. Buy the map in Khorugh and support the people who created it. People working there speak English and know everything you’ll want to know.

In short:

Equipment. Walking sticks, filtering bottle, hat (bought one for 15 SOM in Khorugh market - the sun is very strong), 2kg tent, some food, warm clothes for the night, raincoat, self inflatable mat, sleeping bag, 2 pairs of shoes, mom's Christmas cookies, basic medicine.Walking sticks were very useful for walking and especially for crossing the river and slippery terrain. Two pairs of worn hiking shoes failed me. Blisters were hell.

Water purification. The water filtering bottle is heavy, but it is the most useful and reliable item I had.

Reverse? Doing the reversed route (M41->Maisara pass->Mats pass->Langar) is better for views, altitude and walk/rest period distribution.

Duration. This worked out in 7 days because I found a ride immediately all the way to Murghab right after reaching M41.

Details day by day:

Day 0 (Sunday): Dushanbe - Khorog, 7:30-21:30, shared taxi, 280 SOM, sleep in a hostel. Shared taxi booked by the hostel from the main parking where all taxis stand. Arrive early to pick a good seat. Day spent in the car. Stopped along the way to eat, greet driver’s friends, repair car when needed, inflate tires along the way, fill car with gas, and use the toilet. Took some fresh dairy product given by the locals along the way for free and regretted it for the next two days.

On the way to Bibi Fatma.

Day 1: Khorugh - Bibi Fatima, 13:00 (really 14:30) - 21:00, shared taxi, 140 SOM. Stopped along the way to eat, take some more passengers from a broken car. Slept with a local family from a person met in the jeep. I speak few words of Russian and she spoke even less, but that didn’t prevent her from helping me out. Ate dinner, stayed for one night, her family didn't want to take money, so I left each of the 3 kids a $5 bill hoping they’ll treat the next stranger equally kind.

View from Yamchun fortress.

Day 2: Bibi Fatima - Zong, 9:00-17:00, on foot. Enjoyed hot springs, after that the Yamchun fort, took a path from there back to the main road, and then walked along it towards Langar. No issues following the road, river water available along the way, very few cars, exclusively in the opposite direction, almost none in my direction. Took tea breaks in villages along the way. Hitched a ride for the last 6 km with a truck carrying potatoes and onions. Driver didn’t want to take any money for the ride. Hotsprings in Zong again. An overly friendly and trustable Pakistani runs them, doing his best for you to feel safe there. Homestay at the very beginning of the village, marked by a street sign, mentioned in LonelyPlanet. 100 SOM with meals.

Day 3: Zong - Langar; ~1h, on foot. Woke up with 10 mosquito bites on my left hand which I apparently hadn't put enough of my 40% DEET spray on. Very unnecessary health risk. Morning hike to fortress ~1h to get there from the homestay taking the steep way up the hill. Bought a Tcell sim in the three floor store on the main road below the hot springs (Megafon doesn't work there), got charged more (~120 SOM) but no issues with stay permit/passport copy - the owner has a stash of passport copies he uses for registrations. If the owner’s not there, ask someone where he is and they’ll call him. In Langar stayed with a local who invited me to camp by his house and we arranged him to take me to where Mats pass path starts next morning. Went petroglyph searching (after the cemetery after the church, as LonelyPlanet says). Other petroglyphs are available on marked locations close to eastern exit from the village. Ask for Panshanbe homestay for 50 SOM food + accommodation, advertised by a local met on the road. Big mistake in camping - landowner had dogs, who were not really happy with me staying during the night (not giving a fuck about me during the day though), and barking the shit out at me with my every move in the tent for the whole night.

Langar mall. Last chance to stock up before the trek.

Day 4: Langar - where Mats pass path starts (420 SOM, 5:00 - 6:00), and trek to a bit after Mats pass - locals pronounce it Mitts pass (6:00 - 17:30). The path starts steep up, after which I had to cross waste-deep river twice. The path is difficult and very steep at the beginning, but gets easier later.

It starts from here...

... and you just follow the path on the right.

Or you just get used to it. Not difficult to find, though. GPS signal all the way, the road is what can be seen on google terrain maps if you zoom in and know where to look (see the map scan above and add Gmaps GPS checkpoints). Water available when you need it all the way. Don't carry unnecessary load. Two shepherd (chobanie) houses, one on the way, one on the other side of the river. They speak basic Russian and will offer you tea and a place to stay. Pitched the tent a few minutes after Mats pass when the road starts to descend again. A nice green valley with a river on the left side. Few drops of rain several times during the night. Raindrops turned to frost by morning - have a warm sleeping bag.

Day 5: Mats passs - Maisara pass - M41 (7:00-17:30 walk including ~6km hitched ride) - Alichur (18:00-00:30 hitched a ride on M41. Several shepherd’s houses are along the way. One right after Matts pass, one again before the iron bridge (follow visible road or you'll have to jump stones across the river), several more houses a few hours later. Road/path is always recognizable, but be careful about road splits. But there’s also a path on the other side of the river, where some road splits will take you. Water mostly available every 60 minutes - the river digs a canyon often. Hitched a ride (the only car passing that day), a shared jeep by locals from Jawshangoz to Maisara pass. A few shepherd houses around Maisara pass. Otherwise beautiful silence, a lake and cold wind there - the nature really wouldn’t care if you died there. Descended from the mountain, found a bridge to the M41, After reaching M41 hitched a ride to Alichur. There’s a great spot for camping right next to the bridge and a shepherd house visible from there. The truck was terribly slow, but no one passed us by. Lots of trucks going in the opposite direction. Water close to the road only occasionally - trekking here would be a bad idea. In Alichur everything is closed at 00:30, as you can imagine. Homestays were already full. My three new friends from the truck went knocking on house doors until someone agreed to put us up for the night. 30 SOM. Slept in the room with the whole family. Got blankets and warm tea in the morning. More than enough, compared to camping outside.

So please, MTV, pimp my ride!

Day 6: Alichur - Murghab (5:00-11:00). In the same truck which brought me to Alichur. Homeowner said it wouldn’t be easy to hitch another ride on Sunday. During the ride I really didn’t see much traffic in either direction. Not much water along the road either. The road is now flat so the truck goes even above 20 km/h. A short break for bare-hand marmot hunting. I watched from the truck. Enough for me. After reaching Murghab had something to eat with my new friends. Afterwards we parted our ways and I gave them $60 ($20 each). They didn't ask for money and said what they did for me doesn't cost them anything. That’s certainly true, but I still gave it to them in hopes they would treat any other traveler with equal kindness. Took a three hour break in Murghab, walking around bazar and town, and then continued to Osh. 2:30pm-3:30am. Difficult ride, sharing the front seat of the jeep with another guy.

Day 7: Murghab - Osh (14:30 previous day - 03:30 on day 7). Overcrowded jeep, long ride, mountain border crossing, driver and passengers exchanging a bunch of banknotes right before the border. The border control police officer was happy to say he knows a sportsman from my country. I was too, as I was too exhausted to have any other conversation. Terrible roads and bumps keeping me awake. Driver suddenly turns back as if he lost something on the road. Then turns the car back around and continues. We make a stop to eat something in a local restaurant around midnight after Saray-Tash. We arrived in Osh and the drivers helped me find a place to stay for the night.

Other helpful resources:

Caravanistan forum

Same route but in the opposite direction and on bikes (blog trip report in German)

#Pamir #Pamir highway #M41 #Wakhan valley #Mats pass #Maisara pass

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