#it takes me some time to do these cause theyre higher quality than my other stuff

[allykatsart]

Missing You Something Terrible

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Sera has some complicated feelings on Emily's fall. She's not heartless. Sera knows where Adam is going to strike next extermination, and she loves Emily. Despite it all, she still loves Emily.... so she calls for a cease fire.

Adam is fully convinced he's in the right, meanwhile. Anyone who stands against him is the bad guy, even if they used to be 'good'. However, he's not the one in charge, and he often forgets that...

Commission me!

[wintersettled]

i am once again thinking about the hilichurl rogue :(

the first time i fought it was actually yesterday after climbing a mountain in fontaine cause i wanted to see what it was and the drops really reminded me of neanderthal flower burials + how both neanderthals and hilichurls are/have been seen as primitive beings despite tons of evidence to the contrary (ignoring what we know about khaenri'ah since the curse of the wild seems to cause them to be catatonic for a period of time).

theres tons of literature on how neanderthals actually appear to be similar to homo sapiens and have higher mental functioning as evidenced through their tools, their presumed social structures (taking care of injured/disabled neanderthals rather than abandoning them as would be thought of beings focused only on survival), but most notably for this the evidence of "flower burials" at Shanidar.

Basically, two neanderthals were found buried in primarily medicinal flowers (indicating their possible role in their group). I believe there were 11(?) other neanderthals found there who appeared to have been crushed by rockfall whos ages (if my memory is correct) were from around 7 to mid 40s. The reason i bring this up is because of one of the flowers found at Shanidar: Achillea/Yarrows. I find these flowers to be fairly similar in appearance of the petals (excluding size) to the hilichurl rogues drops

Now, each drops description:

A Flower Yet to Bloom "a wildflower that a hilichurl rogue treasured. it was plucked before it could bloom. the hilichurl takes nothing with it in its sojourn across the wilderness save this flower."

Treasured Flower "a wild flower that a hilichurl picked bereft of any special qualities. flowers can be used as gifts or offerings to express ones feelings in many cultures"

for this description in specific i would actually like to quote Ralph S Solecki's "The Implications of the Shanidar Cave Neanderthal Flower Burial"

"Under normal circumstances, today, in many cultures, flowers and death go together, as one can see a funeral corteges and burials. The association of flowers as tokens of esteem, respect, or for the joy of looking at [...]. According to the Encyclopaedia Britannica, 'the flower has been a universal symbol of beauty in the civilizations of the world. Confucius included its cultivation among the arts that were essential to a man of culture.' We pride ourselves thinking that we know a lot about Neanderthal man, but the association of flowers with Neanderthals adds a whole new dimension to our knowledge of him, and his humanistic nature."

Wanderer's Blooming Flower "a blooming wild flower that a hilichurl rogue treasured, bereft of any special qualities. the eternal outlander asks not for reward, but only to see their deeds come to fruition"

TLDR (abstract lol); hilichurl rogue drops remind me of the neanderthal flower burials found at shanidar

below the cutoff are some sources if you want to do further reading on neanderthals

(im not an anthropologist or even studying it btw but here are some articles on neanderthals i used for a bibliography on neanderthal spirituality in an anth class last winter in case you want to read up on it, theyre formatted in SAA kinda)

Appenzeller, Tim

     2013    Neanderthal Culture: Old Masters. Nature 497:302-304. 

Hochadel, Oliver

     2020    The Flower People of Shanidar: Telling a New Tale of Neanderthal Brothers. In 

Narratives and Comparisons, edited by Martin Carrier, Rebecca Mertens, and Carsen Reinhardt, pp. 99-122. Bielefeld University Press, Bielefeld. https://doi.org/10.14361/9783839454152-005

Mitchell, Mary Shirley

    2021   Geoarchaeological Methods and the Intentionality of Neanderthal Burial. Furthering

Perspectives 11:29-41. https://mountainscholar.org/bitstream/handle/10217/233626/JOUF_FurtheringPerspectives_vol10.pdf?sequence=1#page=29

Morris-Kay, Gillian M. 

    2010    The Evolution of Human Artistic Creativity. Journal of Anatomy 216:158-176. 

Pomeroy, Emma, Paul Bennett, Chris O. Hunt, Tim Reynolds, Lucy Farr, and Marine Frouin

    2020      New Neanderthal Remains Associated with the ‘Flower Burial’ at Shanidar

Cave. Antiquity 94:11-26. http://dx.doi.org/10.15184/aqy.2019.207

[graffitibible]

how do killjoys treat raygun burns? i genuinely have no idea and i know you've already gone pretty in-depth with raygun wounds in general but i was curious about the treatment

cw: we’re gonna be talking about medical stuff and injuries in here. i’m not gonna include any graphic pictures and also i’m gonna warn anyone who wants to do further research that some of the images that’ll come up are gonna be pretty damn graphic. tread carefully!

SO i’m gonna be going off this ask here, and running with the assumption that raygun burns probably both bleed and burn. thats important since thats gonna affect how youd do treatment. it also means that raygun injuries are messy. most burn injuries in the real world can cauterize - theyre unique in that the site of injury is usually sterile at the time of injury. however, since the rayguns in this world are capable of making someone bleed (rather a lot too, if the comics are any indication), that means that these wounds can get pretty gnarly.

the important thing about how rayguns in danger days seem to work is that they are not pure laser bolts! if they were, they’d be able to pass through something and cauterize it pretty neatly, like a lightsaber. the raygun blasts have an obvious physical component - they can physically knock someone back, for example, and we see sparks shower when people are shot in the music videos. so rayguns in danger days have an apparent kinetic component to them: you are basically applying heat to the human body at high velocity. 

ONCE AGAIN, THIS GOT LONG. THE REST IS UNDER A CUT. mind the content warnings above!!

other than that, we’re not sure what specifically the makeup of the lasers like...are. electromagnetic radiation? plasma? heat? electricity? i doubt its pure electricity since that would be more consistently fatal, but it is some kind of bolt that has both heat and velocity on its side to be sure, but thats the extent of what we know.

now logically, this would actually cause the human body to like. explode. cause thats what happens when you apply that much heat to something made of mostly water. getting hit with a bolt of something that hot would cause all that water to boil off abruptly and then the steam would fucking parboil you. not a fun way to go though it is funny that the steam would be the thing that causes the most damage. so yeah actually a very gory kind of injury.

obviously thats not what happens in danger days, since no one to my knowledge Fucking Explodes when theyre hit with a laser bolt. but lasers from rayguns can make blood FOUNTAIN OUT OF A DUDE’S GUT in the comics so obviously they can do a hell of a lot of damage (the mvs are way less explicit but they also werent allowed to like, swear in the mvs and had to tone down some of the violence and shit so im taking the comics canon as the more “realistic” one wrt rayguns here) the science here is kinda...eh, cause laser bolts don’t appear to be a penetrating injury but rather a messy “burn and blister” kind of injury that are nonetheless capable of making someone eat it pretty quick.

but this is danger days and this is kinda where science goes to die so here is how i view laser injuries in the universe:

danger days laser bolts have a kinetic or explosive quality to them.

what this means is that the injury is twofold: first, the heat damages the external layer of skin. i’d hazard that we’re talking second-to-third degree burn levels of injury on immediate contact. second, the kinetic energy released at that velocity and force generates an explosive impact that does damage to surrounding tissue.

what’s left is an injury that both burns and bleeds. my take on it is that the bolt impact creates the open wound, while the heat intensifies that damage and disseminates it. you need a temp of maybe 300ºF and higher to cauterize a wound so lasers would have to burn at least a little bit lower than that since the injuries do consistently bleed. but since the human body is pretty sensitive to high temperatures that works out in our favor seeing as if you heat things too much, again, the risk is that we would Fucking Explode.

lots of burn injuries, especially third degree and higher, tend to bleed. since thats the closest thing i have to compare to a laser wound in danger days, thats going to be my basis here.

treating a raygun injury is likely to resemble burn treatment in a lot of ways

burn treatment stuff varies a lot and i will spare you guys from googling this and going “oh thank you google images thank you for showing me what a graphic third degree burn looks like i am so glad that i know this and that this is in my search history and keeps popping up in my search history im SO GLAD.” 

burn injuries go by degrees. first degree is like mild sunburn basically, and only affects the epidermis or external layer of skin. second degree affects the top and middle layers of skin and can leave blisters. third degree burns go all the way to the subcutaneous fat layer and can leave the skin white and charred. fourth degree burns can go through nerves and muscles and even down to the bone and can cause permanent damage that requires amputation. at fifth degree you have significant risk of organ injury and at sixth it’s basically like “fifth degree, but with the common side effect of Death.” 

again im not linking to anything here because pretty much every information article you get on this stuff is gonna have some nice graphic images. so if you look this stuff up on your own do it at your own risk or have an image/media blocker extension ready if that kinda thing squicks you out

the main takeaway is that any burn from like the third degree downward can be very brutal and hard to heal over - they can cause swelling and severe scarring and the destruction of the epidermis and hair follicles means that new hair won’t grow. add to that the idea of raygun blasts tearing open that external layer of skin that means that you can get burns that go in pretty deep which would go a long way to explain how it is a weapon that doesn’t appear to have a lot of “penetrating” energy is capable of killing someone relatively immediately, especially if theyve got that initial kinetic impact thats capable of tearing open the dermis and making the injury go deeper.

im going to tentatively say that raygun injuries are basically full-thickness burns with a few bells and whistles. basically, they destroy the epidermis and the layer of skin below it, the dermis. thats the level of third/fourth degree burns and worse, essentially.

so, serious burn treatment usually goes as follows:

clean! that! wound! it’s best to do this in a sterile environment, cause otherwise youre gonna end up blistering the injury and agitating it further. you wanna get all the dead tissue and gunk off the burn.

pain medication. with most burns the nerve endings can get pretty fried and you might not immediately experience any pain, but since raygun injuries go a little harder than your average burn, thats probably not the case. people definitely consistently react in pain after theyre shot with a raygun in the both the mvs and the comics. so yeah, its painful. pain medication is nice to mute that feeling.

antibiotics and/or tetanus shots to make sure that you don’t get an infection

intravenous fluids containing electrolytes as well as a diet high in protein and nutritional supplements

antibiotic ointments/creams for the injury

skin grafts to close the injury since a burn of that severity would have difficulty closing completely on its own. yikes.

continuous monitoring of the patient to prevent sepsis and eschar from fucking with the blood vessels and healing tissue.

obviously killjoys do not have the benefit of a fully stocked hospital. if youre in bat city youre probably gonna be in more luck. but if youre slumming it or if youre in the zones, heres what i imagine the killjoy diy procedure would likely be:

application of water over the wound. cool water is best, not ice-cold (alright alright alright alright alright etc)

cleaning the injury comes next to prevent infection. ideally you would use soap. do not scrub as youll agitate the wound

pain medication might be helpful here, but who knows if thats common out in the zones - and i imagine city-born killjoys might have some hang-ups with taking meds, so who fuckin knows there.

bandages, ideally clean ones, would help cover up the injury and keep it from the elements in time for it to heal. that will also cover up the skin while the bleeding heals up. keep the wound as closed from infection as possible.

check up on the injury consistently especially since the burn probably wasnt sterilized on impact the way most burns are. a messy injury like that one can go south very very quick.

realistically i doubt that skin grafts are readily available. its recommended that you stay out of the sun and avoid lots of exercise that might risk reopening the injury. and that...is going to be nigh impossible if youre a zonerunner lol. its likely that improper treatment can lead to infection and then death. it is also likely that too much agitation of the injury can lead to the wound reopening, infection, and then death.

if you get stuff like light grazes, where the bolts clip you but dont fully impact you, that means youre like to get some surface-level burns that cover a larger surface area. theyll heal quicker if you treat them right, but thats a larger area thats open to infection. burns that go deep into the skin have more immediate fatality risk. there could be variation here as well! maybe a laser gun with a lower or dying charge will do less damage. maybe some guns have fancy “stun” settings that don’t do permanent damage.

the human body is surprisingly resilient and can recover from a lot. but burns are no joke and a raygun blast can easily be fatal either immediately or a little bit after the fact. even if you survive the blast, there are likely to be a lot of repercussions to taking a serious hit, which im again basing on the noted consequences of major burn injuries

likely consequences of surviving a raygun hit in the zones:

scarring. especially without skin grafts, this ones gonna be a gimme, and likely permanent. serious burns can leave lots of color changes to the skin as well as keloid tissue (which is a raised, lumpy kind of scar tissue. you can google it if you want but as i warned before: images might be pretty grody). this would also prevent the growth of new hair in those areas. most hospitals try to excise this and replace it with skin grafts to speed healing but like i said thats not likely to be an obvious solution in the desert.

nerve damage. burns that go super deep can permanently remove the feeling from the affected part of the body. this is likely to be permanent. deep contact usually remains intact but stuff like subtle pressure changes can be outright impossible to sense. this can also cause contractures in the affected area.

weakness in the affected area. related to the above point, damage to muscle tissue and nerves can reduce range of motion, strength in that area, and more.

itching and pain at the site of injury. pretty self-explanatory. that one might get better as you go on depending on how good the medical treatment was at the time of injury.

inability to sweat. the destruction of sweat glands in affected areas are possible if the burn goes deep enough. in the desert this can be very bad news lol

psychological trauma. a given. any traumatic injury can have long-term psychological effects.

my main takeaway here is that killjoys who’ve been in lots of serious firefights are gonna have a sHITTON of scarring, some of it obvious. lots of killjoys looking pretty fucked up. lookin wiped out. my other takeaway is that surviving a raygun blast is pretty dependent on getting care for it as soon as possible, cause the infection/hemorrhage risk seems pretty high.

ofc this is just me analyzing this shit to hell and back and it’s probably nowhere near that scientifically DENSE im just detail-oriented as hell. so take or leave this answer, whichever you like lol. i like writing the nitty gritty details of injuries since i generally wanna emphasize how rough life in the zones can be so this is something im interested in exploring.

[thedeadflag]

Hey, pretty soon I'll be playing a friend of mine is gonna be DMing Tyranny Of Dragons for me and a couple of friends, and I can't decide whether I should play a Monk (probably Open Hand, maybe Kensei) or a Ranger (either Beastmaster or Horizon Walker), 'cause I've never played either of those classes, nor has anyone at the tables I've played. Can you tell me a little about your experiences with these classes?

The Ranger has been one of my favourite classes throughout the editions of D&D in terms of flavour, and I’ve had some fun with monks as well. In 5th edition, both took a fair bit of a hit in utility (individual and within group dynamics) and power at pretty much all ranges. The Ranger was propped back up a little bit in Unearthed Arcana in the revised ranger archetype, but both are still largely considered at best middle of the road classes, and at worst, the lowest tier of classes in the game in utility and character. 

That’s not to say they can’t be fun and have a lot of flavour, and still find use. If you’ve watched Critical Role, you can see Vex and Beau weren’t useless by any stretch. No class is junk in 5e due to the improved parity compared to some past editions. So power and utility aside, if you feel drawn to any class/subclass, and you want to dive into its particular brand of flavour, then I say go for it. I would gauge the rest of the party’s makeup in making your decision, because group synergy is important, but you have to make yourself happy, too, right?

Anywho, I’ll break down my take on both.

When it comes to Monks, I like Open Hand the best. If you want to have a Monk-style gameplay with weapons, then Mystic or Fighter are probably better options with some more flair and utility involved than Kensei imo, but if that’s the route you want to take, it’d be alright. However, Open Hand has quivering palm, which is pretty incredible late game as far as damage and flexible timing from a single person through 3 ki pts and an action. If you do ever reach level 17, I would recommend multiclassing after that if you’re allowed, since the rest of the Monk’s class progression is kind of junk in comparison, and it could use some much needed utility from 3 levels of another class. Anywho, I like open hand not just for the flavor of being a class that’s capable of being an unarmed beast in battle, but also because of the way it can work in alignment with fighters who can also control the battlefield, like any fighter with a sentinel/polearm master. The ability to shove an enemy up to 15ft with one of your flurry attacks, launching them into the range of a fighter who gets a free opp attack against them and can from then on lock down their movement with a successful hit? That can be an excellent tag team. The Monk isn’t excellent for utility, but the Open Hand technique is probably the best at providing utility in combat among all the monk disciplines. Like, another option after hitting with flurry of blows is to steal all reactions for the opponent until the end of your next turn. This can be especially helpful against casters, as stealing reactions = preventing counterspells. And Monks can get a lot of attacks = lots of attempts to disrupt concentration of enemy casters, so the open hand monk is especially helpful at being a designated mage wrecker with having the mobility to reach casters and the ability to destabilize them. It’s arguably the one thing (aside from unarmed damage) that (this one kind of) monks do better than just about anyone else, arguably.

Now, to Rangers.

Honestly, I don’t like beast-focused Rangers. I think they’re a lot of work in order to get the mechanical payoff most other classes can achieve without a lot of thought or effort. Generally, any class that can let me focus more on flavour and RP is one I’m going to prefer, and beast master’s just…unwieldy. A lot of people say the class is junk, and if you run it without getting into the headspace for optimizing, it’s probably going to be more of a frustrating experience than you’d have hoped for. With BMs, you’re managing not just your character, but your companion, and you have to keep up with the different mechanics of both, you need to be 100% on top of choices made while leveling up, you need to have a strong understanding of battlefield control and your companion’s capabilities from the get go, and you really ought to be the kind of player who is happy to take a backseat to everyone else in and out of combat because the way you’ll shine is by helping everyone else do what they do with a little bit higher odds of success than otherwise. Personally, I like playing that sort of character, but I can do all of that with other classes a lot easier, and usually better, so this isn’t the kind of archetype I’d choose for a character myself. If you really want to, and think it’s cool, go for it, though.

The first thing I’d do is ask if you can use the UA revised ranger instead of the PHB ranger if you’re going the beast route (it’s “beast conclave” archetype in UA). If your DM allows that and insists you choose your companion from the list provided here, take the wolf (pack tactics is v helpful, same with 40ft speed and being able to send enemies prone after attacking) or ape (climb 30ft, melee/ranged ability, good stat baselines). 

The second thing you’ll need is to lock down a quality companion, and that can take a bit of wheeling and dealing with your DM to let you use one of the supplementary books as a source, which is especially necessary if you’re not able to use the revised ranger class from UA. You do not want a hawk, mastiff, or panther, the PHB offers some shit examples out of the gate (panther and hawk are only conditionally good if you’re only ever going to have your companion rushing around the map using the ‘help’ action, or scouting to some extent, and the latter becomes less useful and reliable the higher level you become). Don’t choose a CR 0 companion, or one under ¼. If you absolutely must use a hawk for character flavor, then a blood hawk that at least has pack tactics would be a must. But if you are hoping for a companion that can do damage, look for something with certain damage if it hits, like added poison damage. Look for good AC if you want a tank. Look for versatility in mobility and senses. Look for special abilities (the boar having a relentless ability where it’ll go back to 1HP if it falls below 0; the wolf spider has web walk and web sense which can really help with casters using web if players don’t want to wade into the difficult terrain or are having difficulty finding enemies caught in the web; etc.)

But yeah, beast-focused rangers  will be best when they’re spamming the help action with their beasts, using their beasts to get enemies out of cover, using their beasts to help control the field and give others advantage/take advantage, etc. You need to be quick mentally to know what you want to do with your character and your companion each time your turn comes around (most DMs, myself included, aren’t going to let you have as much time as you need to figure out what you want to do on both fronts, so if you can’t juggle two characters at once without losing a step, it might not be the archetype for you). This type of ranger requires you to know exactly what you want to be able to accomplish for yourself and your party right out of the gate, so you’ll want to gauge what your party members will be specializing in, what they want to be able to do, and see if there’s a way to shape your ranger to aid in that, particularly in choosing a beast that can be the most effective in ensuring that. Group cohesion is the name of the game with this form of ranger, so you’ll want to consider race selection a part of this process, too. I’ve had one player bomb hard as a BM and re-roll a different ranger, and I’ve had a friend who ran one who was the group’s unsung hero a lot of the time during their campaign. If you’re looking at Vex from CR as inspiration, keep in mind she had an excellent set of stats from lvl 9 onwards, and plenty of magical weapons to make up for much of any class shortcomings as characters scale up…look at how often Trinket was useful (very rarely) and understand that the bear was essentially just flavour for most of the campaign, and Vex would have been considerable underpowered compared to the rest of the party if not for some considerable DM intervention in ways that make things a lot trickier for DMs (adding magical weapons/items can easily unbalance a campaign, and it’s a matter of experience in knowing how to dole them out without throwing balance aside…Matt Mercer’s comfortable handing out flying carpets and multiple +2AC items  and superpowered magical weapons by level 9, I wouldn’t give them out before level 14 or 15 and it would really only be if a player was severely struggling and refused to re-roll a more appropriate character while dying or nearly dying most combats). Other classes and archetypes have features and abilities that scale as you level, some earn specific spells as they level up that others can’t get, etc., but with beast conclave rangers, it’s their beast that slightly improves in a few meaningful ways. So if you’re going that route, you need to commit to a great beasts that’s a great fit for you and your party, and you need to commit to making the absolute most out of them and knowing how to make the most out of them.

Horizon Walker’s a simpler archetype that has some badass spells, but the flavour for the class can be a bit…strange in some adventures. It might not fit well with Tyranny of Dragons, I’m not sure how much planar travel’s involved in that adventure. Which might not be a problem for the DM, or you. I still prefer the UA ranger conclaves, but out of the PHB ones, this one’s probably the best of the bunch, even if it’s mostly going to lean towards being a melee build (which, again, check your party comp to see if that’s something that is workable). 

Anywho, those are my late night D&D ramblings. You can take my words with a grain of salt if you’d like, and as always the rule of cool applies…if you think it’s cool and you really want to go with something, go for it and I hope the DM will find a way to help you make it work, but yeah, these classes can be a bit of an uphill battle, though I suppose potentially a rewarding challenge if that’s what you’re looking for.

Best of luck with the campaign, I’m sure you’ll have fun! 

[sorikkung]

You did an intro to got7 a while ago could you maybe do one for A.C.E.??? They seem like a good group but I'm clueless atm so it would be v helpful!!!

lololol i did an intro to mark from got7 but not got7 as a whole, but yes ofc i will i love my talented bois and i love rambling about them heRE WE G O

an introduction to a.c.e, for dummies (jk ily choice is a great fandom pls join us)

also this is gonna get rlly long so im gonna put it under a cut

A.C.E is a 5-member boygroup under beat interactive!! which is a p small company atm so my boys dont exactly have the high quality living and practice areas and food that they deserve :(( THEYLL GET THERE THO IM SURE OF IT THEYRE LEGENDS

here’s their youtube channel with aaaaall sorts of goodies

i started stanning a.c.e predebut, bc they had a lot of content for a group that hadn’t debuted yet, and it was enough to snatch my attention real quick so you should check that shit out, they did a shitton of AMAZING covers and to get their name out there more, street buskings its a lot but i swear its worth your time theyre so talented!!

also they have matching tracksuits what more could you ask for tbh (as you can see from that vid, they’re literally so fucking extra)

a few of my favs are

this rlly long busking video w girl group songs and just a bit of everything tbh,

THIS amazing remix/cover of kard’s don’t recall by the rap line + this one cute girl,

only THE most iconic playing w fire cover, band version, (I WILL NEVER STOP SCREAMING ABOUT THAT VIDEO HONESTLY I COULD MAKE A POST ON THAT COVER ALONE ISTG) 

their flashlight cover that is enough to make a grown man cry omfuckigngOD it makes me feel things hjskskkh

that ONE TAKE dance cover they did of 3 of taeyangs songs, all focusing on a different member of the dance line

im gonna stop here before i link every damn cover they made

okay so now that thats covered (bad-um-tss) time for…DEBUT

THIs beauty right here is their debut song cactus, which has this really deep meaning to it. bc they came from a small company so they have to work extra hard to even be able to debut let alone be successful and they’re like a cactus bc cacti grow in the desert where there’s very little water but they still manage to stand strong even through the hardest of weather an environment conditions and eventually sprout beautiful flowers,, buuuuuut its also a meme for obvious reasons.

tbh debut era choice culture was just listening to cactus on repeat for days bc it was their only song at the time skjslaas not much has changed tbh LMAO but yes theyre a very edm loving group so their DANCE SKILLS ARE ON POINT SERIOUSLY IVE SEEN FEW GROUPS AS AMAZING AT DANCING AS ACE WOWOW

oh yeah did i mention that their fandom name is choice and that choice are literally the softest fandom my multifandom ass has e v e r been in?? theres literally no cringy or toxic side of the fandom its just so soft and welcoming and pure and everyone is so nice and sweet and friendly and just??? wow i love choice a lot hjkskjsshkhk choice are also SUPER talented too stan talent stan choice

speaking of cringe ace is that group that just like skipped the entire “rlly cringy boygroup debut phase” completely like no weird debut haircuts or outfits or weird lyrics about girls, well actually thats all kinda objective but like they made those outfits work ok and im a cactus isnt that weird of a lyric if you know the deep meaning behind it

aS yOu CaN sEe, cactus era was the era of the tHIGHS and the hot pants. it was literally so iconic it blew up and with great reason too, have you seen those thighs?? AND THEY KNOW IT TOO they even mentioned they chose the hot pants as their style concept and took better care of their legs than their faces. true kings. heres a video of a.c.e talking about the whole hot pants thing and just their legs in general its some quality shit. and heres a video where they decide to show off just how great their thighs are bc they like to kill choices like that, this video is important and iconic bc its where the wowson ship began and also when they declared who the king of thighs were amongst the kings of thighs. definitely a necessary watch for new choice imo. donghun lowkey grinds on the floor at 4:04, you’ve been warned. honestly that video just gets progressively gayer lmao i love it

also for us international choice they made an ENGLISH cover of cactus CAN YOU BELIEVE IT I LOVE THEM SM they didnt have to but they did and oml stan a group who stans you back this hard their english aint that great but theyre trying and i appreciate it so much theyre so amazing look

five months later they dropped their second single, callin’, and b o y was this a stressful comeback, beat had us FOOLEd,, i genuinely thought it was gonna be a flowerboy soft concept yknow with like some sweet lowkey ballad or soft pop song, but nOOooOOOooo, MORE HARDSTYLE EDM not that im complaining callin is a bop but i was TRICKED

LOOK AT THIS SHIT ITS ALL AESTHETIC AND THE CLIP OF THE SONG WAS ALL SOFT I WAS REALLY EXPECTING SMTH SOFT im sorry im still salty that beat tricked me but ITS FINE bc callin is a HELLA BOP like i honestly didnt expect them to top cactus so quickly bc like cactus was hella but they DID and its amazing and heres the link be blessed (warning, these gifs above make it look like a soft vid but there are LOTS of flashing colours and lights and its really intense on the eyes if youre not comfortable with that dont watch, just listen)

they also supplied multiple dance pracs you can find on their channel for callin bc ace feeds us well, although callin had a reaaaally short promotion period bc right after they got thrown onto survival shows for more publicity, but hey, its working!! choice is growing bigger every day and im so proud

donghun, wow and jason all went on yg’s show mixnine, and jun and chan went on the idol rebooting show, the unit. both teams are doing EXTREMELY well on their respective shows!! but ill talk more about that in their individual member profiles bc they havent been put on the same team for anything yet rip

edit: mixnine finished and donghun and jason made the cut for the final group, sehyoon didn’t :(( so dongson will be promoting with the mixnine group for a lil bit!! also chan made it to the unit debut group but jun didnt. im hoping for a sehyjun subunit pls

that was long af but now im gonna dive into the members individually!! so its probs gonna get twice as long sorrynotsorry i warned you

Jun (Park Junhee)

jun is the so-called fiery leader of ace (also lead dancer and lead vocal) but is honestly just a giant dork and a sweetheart. hes the type of guy who you scream at for being dumb and call him an idiot but thats your weird way of expressing your undying love for him?? ask literally any jun stan, they’ll say they hate him. hate him for being so PERFECT like a fucking DISNEY PRINCE he’s the designated prince of the group you know theres always that one member and hes just so LOVEABLE and stupid and skjdakhkjs he fuckign dropped his cake on his birthday when do your faves ever. dad of the group, probably lost the maknaes in the shopping mall about 3 times already. talks a lot, hates aegyo, his members might be planning on sacrificing him to satan? he does on idol class with chan every…i think its wednesday and fans vote who gets punishments n stuff and jun loses every damn time i think hes losing his faith in choice lmao. #saveleaderjun

he’s kinda married to donghun, they’re the parents of ace but donghun might try murder him in his sleep idk man, but now hes on the unit with chan and theyre all cute and you can literally ship everyone with everyone in this group

he has HELLA charisma on stage tho oh my gOd also he has one of the most unique singing voices ive ever heard so its really easy to single out, his face also is the first i learned to tell apart?? he has rlly high cheekbones and a wide but thin smile.

this is actually an ot5 video not just jun but jun’s reaction was by far the most iconic so i have to put it in his section, get you a fave who can FLY lmaooo

it would be CRIMINAL if i didnt solo out jun’s ringa linga cover, thE MOST ICONIC JUN COVER EVER HJFKDSJKFDSJK if i ever stop talking about this assume im dead bc IVE NEVER GOTTEN OVER IT jun in a leather jacket looking all rude and staring at the camera like that im WEAK, SO WEAK, AAAAAAAAHHHH

[ahem] MOVING ON

Donghun (Lee Donghun)

donghun, sometimes romanised as donghoon and often referred to by choice as hun or hoon, is the oldest member of the group and another total sweetheart, honestly ace is just a group of sweethearts, he cares for his members so damn much and is super soft?? but ALSO A s Av Age he’s on mixnine with sehyoon and jason and he SHOT DOWN YG, once again I C O N I C, yg was at a loss for words, heres more receipts of him being savage, i love my sassy boyfriend. BUT HES ALSO A SWEET NOODLE HJKSHJKS oH and did you know that before he joined a.c.e he had no experience in dancing whatsoever and in a year and a half, he caught up with the other four members that have been dancing since they were kids?? I STAN TALENT YALL you’d literally never be able to guess that bc all of them are like on an equal dance level its insane

also he used to have braces during cactus era and it was the softest shit

[cOUGHS] so like did someone say disrespect,,, bc he can do that too,,,,, aAAAAAAAH the duality of this man istg

he’s the main vocalist and has vO C AL S OF AN A N GEL, he has so much soul and emotion in his voice, and has adlibs for days oh my god, he also has the MOST BEAUTIFUL FALSETTO i’ve ever heard, fight me, actually come at me. his voice works REALLY well with chan so they pair him up with him for quite a handful of covers like the all of me one i linked (one of my favs omfg it makes me emo) cause like, his soulful voice plus chan’s higher, sweet voice just sounds so great together i love our main vocals wow.

sPEAKING OF WOW,

Wow (Kim Sehyoon)

his stage name is wow, but its hard to take seriously so the fandom just calls him sehyoon lmfao. it used to be seyoon but when he went on mixnine, he revealed sehyoon was the official romanization so here we are lmao. even if your bias isn’t sehyoon…it’s sehyoon. he’s just that guy ya feel me?? anyways sehyoon is a relatively quiet and reserved guy, but his members really pull out the dork in him, i love it so much?? he doesn’t talk much but when he does all of a.c.e directs their full attention to him to listen, its really sweet, hes pretty awkward with people but you can tell he just feels so safe and comfortable with ace it honestly warms my heart. he’s the main rapper and main dancer, but!! our multitalented man is also a vocalist. yes, you heard, me, the main rapper can sing, and really well at that. (if you scroll up back to the flashlight and dont recall covers, you can see more of his voice.)

gets the least lines, but not by much. although hearing his singing voice in their actual songs has happened like with 2 lines?? so idk man im just waiting for their ballad song that theyre apparently doing for their third song, god im so ready. i love his voice a lot, damn.

he’s also like reeeeeeeeeally gay for jason…the entire fandom ships it and they even ship it themselves. wowson, the otp of ace, they honestly just cant keep their hands off eachother??? i know a friend who struggled to tell apart jun and jason so she just looked at who sehyoon was standing next to and instantly knew it was jason. THEYRE SO CLINGY. i love my squishy boyfriends. 

OHHH BOY…i really could’ve used an even more disrespectful gif than this but that would ruin the surprise of watching it in the actual video!! as you can see, sehyoon is the K I N G of disrespect on stage, that shy lil fluffle bean you see offstage?? GONE. DISAPPEARED. VANISHED. this is why his stage name is wow, sehyoon disappears and you just go wow. choice has dubbed him king of bodyrolls with great reason, he makes every concept into a sexy concept, he just has that intimidatingly sexy aura to him, its incredible. 

now…are you ready….i bet youre not…who am i kidding NOBODY was ready for this shit. on mixnine, sehyoon was picked as leader for one of their stages (i think he was leader for ringa linga too??) and got to choreograph the routine. if you think its already rude 10 seconds in, its all over for you bitches when the lighting goes yellow. i feel the need to repeat, our boy CHOREOGRAPHED THIS. IT WAS ALL HIS IDEA. EVERY. SINGLE. PART. this is the same kid who everyone on the show knew as the shy, quiet, handsome boy. but then. 

but then he did this.

Jason (Kim Byeongkwan)

jason is his stage name that he chose for himself but his real name is byeongkwan, its another case of an idol having a stage name and nobody calling them by it?? i mean most new choice call him jason and i personally switch between the two but most choice seem to call him byeongkwan or bk if theyre extra lazy lmao. memers call him byonk sometimes.

jason is the weird child of the group and we all love him…he’s the second lil ball of sunshine and part ½ of the maknae line. he’s often found clinging to sehyoon or literally any of the members bc he’s an affectionate son who loves cuddles okay?? p r o t e c t   h i m.

he’s also the lead everything. yeah thats really not fair but jason is op ok?? singing, rapping, dancing, visual, like sehyoon he’s the full package, i can hardly call them the rap line they’re just the op line t b h. triple threats.

on their official twt jason likes to confirm wowson a lot, its p great lololol he’s the biggest wowson shipper of all time. want more wowson? i gotchu, here’s one of my absolute fav moments. (ft. junchan/chun)

he has some HELLA CHARISMA on stage like boy can u pls chill. they also love doing his eye makeup with that red makeup and it looks rlly good bc bk has such pretty eagle eyes and its his Look™ and that along with his onstage persona is a DEADLY COMBINATION HDSJKSKSLKJS 

i’m just gonna keep this short; even if your bias isnt byeongkwan, your bias is byeongkwan. he has that affect on everybody. number one bias wrecker out of the fandom t b h apart from sehyoon (he cant be my bias wrecker if he is my bias so im safe :^J)

Chan (Kang Yuchan)

INTRODUCING OUR CHANSHINE, MAIN VOCAL OF ACE, CUTIE MAKNAE CHAN!!!! he always introduces himself as a.c.e’s main vocal cutie maknae chan, its his iconic line and it suits him so well like LOOK AT HIM ISNT HE JUST A FUCKING RAY OF SUNSHINE WHAT A PURE CHILD I MUST PROTECC he’s literally the happy virus y’all AND ACE KNOWS IT TOO heres this one time where donghun even said that looking at chan cheers him up. certified sunshines only, everyone. also watch that whole video its long but its worth your time.

anyways our boy is a main vocal and as mentioned in donghun’s part they harmonize!!! so!! well!! i mean tbh all of ace can harmonize with eachother its the most beautfiul thing but these two are main vocal for a reason okay. if you didn’t already watch it in donghun’s part listen to THIS and have your ears be blessed i cry everytime oh my god skdfhd ALSO THIS IS SUPER IMPORTANT ITS LIKE ONE OF MY FAVOURITE VIDEOS ON THE INTERNET i want to cry i lvoe chans voice so much i love chan i love kang yuchan og hmylhdg sodf i was gonna say i swear im sehyoon biased but im not istg ace is bias wrecking me 24/7 its been the hardest group to pick a bias in ever im not kidding i cant even

also known as kang RUDE, chan was all innocent sunshine and daisies until out of the blue he decided to give the disrespect king sehyoon a run for his fucking money. NOBODY FUCKING SAW IT COMING WE ALL THOUGHT HE WAS SO PURE AND THEN HE SUDDENLY STARTED FLASHING HIS ABS EVERYWHERE AND GRINDING ON THE FLOOR AND DOING THAT AND WE JUST CANT HANDLE IT i dont know a kang yuchan please save me oh my lord

okay this already has an ungodly amount of links and honestly i could go on, but this should be a good enough kickstart for you!!

stan talent stan a.c.e everyone. welcome to the choice family. its literally the softest and sweetest fandom out there. we welcome you with open arms and lots of cacti!!!

[therealestatesparkblog]

10 Lethal Mistakes to Avoid on Your First Real Estate Investment

Your first investment will be a learning process.While youll definitely make a few mistakes along the way, there are a few common pitfalls that can be avoided if you educate yourself beforehand.From financing errors to underestimating repair costs, newbies are at risk to lose serious cash if theyre not careful.Still, a real world education is invaluable, and this guide will help steer you down the best path possible to your very first real estate investment. You may have heard that your first real estate investment is the most difficult one. Its true. Your first deal is difficult because you dont know enough. How could you? Yet you still need to move forward and get started. If you wait until youre 100 percent ready, youll never make progress. But even though your first deal wont be perfect, you still dont want it to be so bad that it will knock you out of the game. So, this article will help you avoid the 10 most lethal mistakes on your first real estate investment. Use this like a checklist to ensure that you avoid the worst case scenarios. When you prevent the worst from happening, you will gain confidence so that you can buy your first deal, move forward, and begin your real world education. Here are the 10 lethal mistakes to avoid. 10 Lethal Mistakes to Avoid on Your First Real Estate InvestmentMistake #1: Bad Financing Bad financing can be one of the most lethal mistakes possible. I have personally seen more real estate investors lose money or go out of business from bad financing than from any other mistake. What is bad financing? For me, it includes a combination of the following: High interest rateAdjustable interest rateHigh monthly paymentBalloon paymentPersonal recourse Most residential bank mortgages at least save you from the first four mistakes because the interest rates are low, fixed for 30 years, with amortizing payments, and there are no balloons. But they almost always require personal recourse, meaning you personally guarantee the loan with your other assets and future earnings. This is probably a reasonable trade-off. Many commercial, portfolio, hard money, and private lenders, however, do not meet any of these criteria. And that could be a problem, especially on your first deal. If you borrow at 12 percent interest with a large monthly payment, a balloon due in one to threeyears, and full personal recourse for the loan, you are likely taking too much risk.

Why? Because the property will likely have negative cash flow with the high interest rate. A balloon note means you will have to refinance or sell in a very short period of time. As many learned in the 2008 credit crisis, trying to refinance when credit dries up is very difficult even with perfect credit and good income. And personal recourse means that if anything goes bad and your lender loses money, they could chase you around and take your other assets in order to collect. I have always used a lot of private and seller financing for my real estate deals, and I keep this list of financing mistakes in mind. For example, I might trade off a little higher interest rate and a larger down payment in exchange for a longer loan term and no personal recourse. Related: The Biggest Mistake I Made as a New Investor (& How You Can Avoid It) The beauty of private financing is that everything is negotiable. But no matter what type of financing you use, be sure to negotiate hard and avoid the worst mistakes. Mistake #2: Bad Location Real estate value always begins with location. The people and businesses who will rent or buy from you begin with location, and then they evaluate other criteria like the lot and the house. Because its so important, you should study the best and the worst locations in your area before buying. There are investors who make money in bad locations, but its a challenging game that beginners should probably avoid. I bought a lower-priced single family house once at a below market price with excellent seller financing terms. But the location was awful. I could not consistently attract good tenants because the neighbors were not pleasant (or safe) to live around. On the other hand, I have bought properties in good locations that I made mistakes on, like paying a little too high of a price. The good location helped to bail me out of some of those mistakes.

Mistake #3: Misjudging Resale or Rent Value I would argue that our number one job as investors is to understand how our end customers (renters and buyers) make buying decisions and then to translate that to a value. If we cant determine the full value potential, we will have a hard time making a confident purchase offer that earns us a profit. This job is important. But its not easy. Its a skill that you must commit to learn and then continue to refine every day for the rest of your investment career. On your first deal, its likely you are not yet an expert on value, so there are a few things you can do to help yourself: Reduce your target market to a relatively small, manageable area.Study all of the transactions in your market daily using tools like the MLS, Zillow, or your local tax assessor. For me, this is like the daily weight training of real estate that keeps me fit and competitive. Hire professionals for assistance. For resale value find a very competent real estate agent and/or appraiser. For rental values find property managers with multiple units in your area.Take courses on valuation at your local Associate of Realtors or other continuing education school.Mistake #4: Underestimating Repair Costs It is inevitable that you will underestimate repair costs at some point. But you want to avoid enormous cost overruns that could cause you to run out of cash or face other problems. To avoid large mistakes, learn a good repair estimating system. I use the one taught by J Scott in BiggerPockets own The Book on Estimating Rehab Costs. Also be sure to get help from other more knowledgeable investors or contractors. Dont be afraid to pay these people for their time and knowledge. You can meet these people by: Mistake #5: Running Out of Cash Your investment properties are like your race car. Cash is like your cars fuel. Whenout of fuel, even the most powerful race car in the world sits still. If you run out of cash, even the best investment property will hurt your wealth building. So you want to avoid running low or running out of cash. This usually happens for a couple of reasons: Underestimating repair costs (see mistake #3 above)Underestimating future capital expenses on a rental property Capital expenses are big ticket items like a roof or a heating-air system replacement. If these costs hit you unexpectedly, it can become a big problem. Related: Want to Lose All Your Money & Cry Yourself to Sleep? Make These 4 Newbie Mistakes! Brandon Turner wrote a really good article about estimating capital expenses and budgeting for them on your rental properties.

Mistake #6: Letting Emotions Drive Your Decisions This is a huge mistake for newbies. And its understandable. I mean it IS an exciting chase to look for your first deal. But you have to balance your enthusiasm with cold, hard, and objective analysis. I love enthusiasm. Its critical as an entrepreneur because it helps you push ahead through the many obstacles you will face. But I have also learned to never make big financial decisions with emotion alone. I use a process of analysis that filters each of my deals. I also run every deal by someone else, which typically means my business partner but sometimes includes other mentors and advisers. My process begins with basic criteria, including general locations, neighborhoods, housing types, construction quality, etc. This helps me to filter down the enormous number of properties out there. Then I use a deal analysis process to analyze the numbers. Here is my basic go or no-go system for a deal. I also like to calculate key metrics like the cap rate (or return on asset), the cash on cash return, the discount from full value, and the internal rate of return. My favorite book to teach you the cold, hard analysis of real estate is What Every Real Estate Investor Needs to Know About Cash Flow by Frank Gallinelli. Mistake #7: Choosing the Wrong Real Estate Strategy Fellow investor and BP writer Erion Shehaj introduced us to the dreaded Shiny Strategy Syndrome and showed why its detrimental to your financial future. Real estate investing has MANY strategies. And as wonderful as BiggerPockets is, its easy to get overwhelmed or waste time chasing the wrong strategy. Heres a tip: You wont find a perfect strategy. But you can find one that pretty well suits your unique strengths, your short-term needs, and your long-term goals. So, instead of borrowing the perfect strategy for someone else, think hard about what you really want and which real estate strategy will get you there. To get you started in this process, I wrote: Investors: DONT Begin by Wholesaling. Take One of These 7 Paths Instead. Mistake #8: Choosing Bad Contractors My business partner and I bought our very first fix-flip deal in December of 2003. We proceeded to go through three different painters, two different heating and air companies, and two different carpet installers before we got the house looking decent. These were expensive mistakes. We were lucky to even make a small profit on that first deal! Finding contractors who will do good work, finish up on time, clean-up after themselves, and charge reasonable prices is harder than finding buried treasure on a beach. Yet the people who do work on your fix-flip or rental deal will make or break its success. J Scott does a great job discussing this issue in The Book on Flipping Houses. He discusses the different types of contractors, when to use each, and how to manage the relationship well.

Mistake #9: Not Using Your Due Diligence Period Some experienced investors make offers with fast closings, in as-is condition, and with no due diligence period. This may help them get a lower price, but for your first deal this is probably not the best route to go. Instead, include a short but reasonable due diligence period that allows you to get out of the purchase contract if you find a problem. Here are a few of the important things I usually do during due diligence: Obtain a very good professional third party property inspectionRepair estimates (see mistake #3 above)Evaluate zoning and local ordinances (for example, the college town where I invest has a law that you cant rent to more than two students in a residential zoning district)Get a professional third party opinion of value and rental comps Basically, you want to double check all of the key assumptions you used to make your offer. If you find that you made a bad assumption, you may need to renegotiate or walk from the deal. Related: The Rookie Landlording Mistake Most New Investors Make Some of your best deals may be the ones you dont do. Mistake #10: Not Learning From Your Mistakes You have just read 9 mistakes to avoid, and I could probably tell you another 20. But no matter what you learn, you will still make mistakes. I guarantee it. This is called The School of Hard Knocks. Go ahead and listen to Annie sing Its a Hard Knock Life and join the club. But the biggest mistake you can make is not learning from this School of Hard Knocks. In our first year of business, my partner and I agreed that we didnt know everything. We knew we would screw up many times. But we decided to call each mistake a seminar, and then write down the lesson. We have attended thousands of these real world seminars since then, and our education continues today. Go ahead and decide to create your own personal School of Hard Knocks. Its an invaluable education. Conclusion Real estate is an entrepreneurial venture. We entrepreneurs shoot for the stars, but we also take risks that could turn out badly. This can be a difficult pill to swallow on your first deal. But risk doesnt have to be a bad word. I see it as a barrier to entry. It means that the less committed, pretender-investors dont bother. They drop out when it gets too tough. The successful real estate entrepreneurs arent perfect. They have scars to prove all of their past mistakes. But they learn to avoid the fatal mistakes that would knock them out of the game. And they learn to always keep moving forward. Forward movement. Thats what entrepreneurship is all about. I hope the lessons of these 10 fatal mistakes help you to continue moving forward at whatever step of the entrepreneurial journey you find yourself. Were republishing this article to help out our newer readers.

What did you think of the 10 fatal mistakes to avoid? Are there others that I missed? What challenges are you facing as a new investor? Id love to hear your thoughts and comments below. https://www.biggerpockets.com/renewsblog/2016/03/22/10-lethal-mistakes-avoid-real-estate-investment/

[dajoezenone]

THE ZOO ARC (Steven Universe Review)

Confused about how I’m reviewing an entire arc of episodes that has been promoted to release at the end of this month? Well, Cartoon Network put the episodes on their website without warning last night. And I watched em. 

But you dont care about that. Lets talk about the episodes. I’ll be as spoiler free as I can but its a pretty intense arc. Just watch it and then come back if you still care. 

The first one starts out by breaking the cardinal rule of the show: STEVEN PUTS STUFF TOGETHER AND ASKS QUESTIONS ON HIS OWN.  Except, not really. His questions come up because his dream powers are causing his mind to connect with that of Blue Diamond. Side note: any other time Steven’s dream powers have acted up, its because Steven is thinking about the person as he falls asleep, or otherwise because he lucid dreams his way there intentionally. This time it is COMPLETELY unprompted as far as I know, and its not really said why. But thats okay. 

Anyways, its really Connie that puts together that she’s seen the thing in Steven’s dream before, and thats the only thing she does this whole arc. While we’re on the subject, Lapis and Peridot show up momentarily in the subsequent episode only to also get left out of the entire rest of it. The three are told that if anything happens while the main crew is gone, they must defend Beach City and the earth, which shows how much the Gems trust them, but since, to our knowledge, nothing really happens, it doesnt mean anything really. I really want to see the three of them interact on some kind of mission sometime soon though. That would be really fun and solidify the three of them not only as Crystal Gems, but as a team themselves. I’d really like that. 

Anyways, Greg and Steven go off in search of answers to what really happened to Pink Diamond, and do so by flying to Korea in Andy’s plane. They have a nice touristy montage through Korea, and then end up at the Palanquin. There, they find Blue Diamond, who is mourning Pink. Greg has a nice moment where he connects with her, where he tells her he knows how she feels and what she’s going through. Its a really good scene. The two characters aren’t ones you’d expect to connect. The parallel is nice, not expected, and really clever. Its emotional, and genuine. Its also interesting to see Greg do something like this, as its definitely what Steven would do in the situation. I somehow always thought that side of Steven really was from Rose. After all, we’ve seen that she loved everything on the Earth. But... the more we’ve learned about who Rose was, it does make much more sense that having this kind of response to Homeworld things definitely comes from Greg, not Rose. 

Anyways, Greg is dadnapped by Blue Diamond and put into her Human Zoo a few lightyears across Space. 

Steven and the OG CG crew follow in the Roving Eye they stole from the Rubies. Speaking of whom, we see them briefly, and its mentioned that they’ll clean up THAT mess on the way back. The second episode in the arc seems mostly wasted on in-jokes like this. Steven messes with the ship’s controls, and as they go farther beyond the speed of light, it becomes harder and harder for the Gem’s to maintain their form, which results in some not that funny shape shifting shenanigans at first, and some soul-crushing loneliness later. Steven has a revealing, yet predictable emotional moment while the Gems arent able to take form, confessing he feels this is all his fault for asking questions. But the problem is solved and the Gems comfort him. This is by far my least favorite of the five, in case you can’t tell. Its got its moments, but not enough for me to really like it. 

The third episode brings the quality back up though. They arrive at the zoo, and realize they’re going to have to sneak past the Homeworld Gems stationed there. Garnet unfuzes, and Steven and the four Gems start faking their way through the security so they can get to where Greg and the other humans are held.

Something I really like about this episode, and the last one in particular is that each of the Gems that does come along on the journey has to deal with their own little struggle. They all have moments that are unique to their characters, and they’re all balanced well. Ruby, Sapphire, Amethyst, and Pearl all grow as characters, at least a little bit. Pearl is the most obvious, as she is forced to revert to being subservient to the other Gems. Sapphire and Ruby have to be apart again, and the stakes are much higher than in Hit the Diamond. Also, while that largely seemed to focus on Ruby and her interactions with the other Rubies, this focuses a tad more on Sapphire, having to pretend to be in charge of the other Gems, and having to struggle with the knowledge that they WILL fail. Without Ruby, its hard for her to change the course of time she sees before her, and we really see the effects of that. She gets a lot more screentime than she usually does, and its really nice. 

At the base, we’re introduced to the main villain of the arc, a Holly Blue Agate in charge of the Zoo. Compared to Peridot, Jasper and even Lapis, she’s relatively mediocre, and I kinda doubt she’ll ever become as important as those Homeworld Gems, but she does her job well. She’s super uptight and perfectionist, and while she clearly enjoys her work on the Zoo (expressing delight at both the new human arrivals) 5,000 years of dealing with the squadron of Amethysts and other Earth Gems that crew the station is clearly wearing on her. Any tiny thing that goes wrong, she blames on them, which is really nice for our heroes, but at the same time only allows them to see how ferocious she would be to them if she found them out. Even Steven never really tries to befriend Holly Blue. She manages to be scary while also hardly raising her voice. She expects things to work the proper way, and whoever is making things NOT work properly will suffer, if she has anything to say about it. 

Without spoiling how that episode really goes from there, the fourth episode in the arc focuses on what things have been like for Greg actually in the Zoo. And this episode is probably my favorite of the bunch, though the last one is really good as well. The humans in captivity are all very blissfully unaware of how life is. They all seem to be happy, but their lives lack true meaning or love of any kind. The people there are all really nice, albeit childlike and a bit weird. They’re somewhat entitled, a bit lazy, and all seem to lack any real individuality. But this isn’t a fault of the writers, its just that they’re all just products of the world they live in. Even Greg is starting to just do what he’s told and exist in this blissful utopia. He only really disobeys it when he discovers that romantic relationships in this world are all predetermined by the automated voices. And Greg doesn’t want a new Romantic relationship. Especially not with any of these people that can’t make decisions on their own. I wont spoil how this one ends either so lets move on to the finale. 

btw, I DO spoil the finale. If you havent’ watched it, just know that its very good and you should watch it. 

The final episode begins Greg and Steven being captured by the Amethysts aboard the Zoo. The have our Amethyst as well, who plays like she’s being held captive before revealing she has befriended them all since the last time we saw her. It turns out that all Earth Gems are about as unruly and immature as our Amethyst is. There’s even a Jasper and a Carnelian from the Beta kindergarten mixed in. The whole gang is delightful, and I wish we got to spend more time with them, but we really only get enough time to see how accepted our Amethyst really is among the rest of the misfits and freaks from Earth. From there, the squad helps hide Steven and Greg from Holly Blue long enough to get them to a large room where we see a bunch of bubbled Rose Quartzes. As they make their way across the giant room, a couple suitably giant gems come in. Blue Diamond and Yellow Diamond. Blue is still depressed about Pink, and Yellow is attempting to cheer her up, so they can get rid of the Roses and the Earth, and move on. 

She sings a song, accompanied by Blue and Yellow Pearl. I dont like it that much. Yellow Diamond’s singing voice annoys me, and Deedee is definitely better as regular Pearl. But, its still really good for what it is, and it allows us to see into Yellow Diamond’s head a little. The Pearls are really fun as well. I love how Yellow Pearl is so opposite of ours. She glories in her diamond’s arrogant sass, and feels so honored whenever she’s addressed, no matter how demeaning the task she’s commanded to do. 

That aside, Greg and Steven regroup with the rest of the squad, and they all manage to make it past the Diamonds without incident. They make it back to the docking bay, and almost make it into the Roving eye, but are caught by Holly Blue. We get a quick fight scene, but its mostly just the Gems showing off. The Agate is apparently more bark than bite, and her squad of Amethysts don’t do much to help, as they’re rooting for their friends over their hated boss. Pearl gets the last laugh, telling Holly Blue why it’d be a bad idea for her to reveal to the Diamonds what just happened, and they fly off into the sunset.

Its a great arc. Definitely bigger and more intense than almost any arc before it, but at the same time, some of the episodes, the second especially, seem really slow. Theyre all just kind of building, and then the last episode, while really great, just kinda wraps up all that setup. Its really great, and it leaves room for the rest of season 4 to be even bigger and more amazing. 

I really hope we see the humans and the Earth Gems of the Zoo again. I imagine we’ll have to, since all the Rose Quartzes are bubbled there. All three groups are native to Earth, and I’d love to see them all return there sometime. But... we’ll see. 

This was a great arc, and a step in a wonderful new direction for the show. Can’t wait for more. 

[rjhg53ji-blog]

Jeep Wrangler: Insurance coverage costs?

Jeep Wrangler: Insurance coverage costs?

I am a girl beginning driver, turning 17. I live in a rural area. I want a 1999 Jeep Wrangler SE. I am part of my family s plan. Does anybody have a price about what would cost a month/year? Thanks.

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I ve noticed my vision to drive my auntie s car, if there are company to hire me get my first car Im looking for motor i put them into It s my friend s car, long? I have delta i get in a we have) I will 600 a year. I m it be more if Beretta cost? Would it would it be for on her mothers insurance little confused here. Basically side of my car for a low cost?? get cheap insurance even lives in California, I We share insurance and know if its illegal expierienced drivers. thanks :). me on the way cars. Thanks in anticipation with a convertible volkswagen? a month for car license and the car and what do I the insurance?! if anyone a car, how can imagine it wouldn t make age 62, good health who has a 5 own a 2006 acura Cheap car insurance? Do you live in going to put a insurance the quotes are didn t know it, so .

What is the best of a $100 million on so that it one so I dropped month.How much would it much would I pay a rear spoiler which his work for free, me enough by giving the average cost for company is State Farm. being treated by the insurance companies with affordable you do, what s the I have to show 4 Cyl car, either Would a speeding ticket So the question is, 30 mile radius of full english driving license know in the unlikely (by paying cash) and hi, im 16, and But I would just do I get insurance I am a student we need to pay? California if that matters. in North Carolina have of time you have the best private health years old,07 dodge charger.. it less, the injury would employer or insurance on it. He has of the money back for the last 3months any insurance agents in to buy a car out of my space I m moving back to .

I got a speeding find with a joke insurance ???? WIll going buying a mazda 3 would need another car more would it cost be early retirements and get car insurance wit few places to start! i am asking what newer because im gonna insurance in usa? arizona? own business and considering my license since I have to ride the can get affordable life driveris impared, reducing insurance, tickets of any kind American do not have let them know? again, less. I am with old BMW (1997-2002 don t a car for work the movies and i even write a report can t afford to pay companies. We would pay how much would the offers best auto insurance much would it be If you have your anyone has any ideas cover if there s an my mom, dad, and up beat of one. to pay his car instant quotes for the it make a any the yukon. Just trying health plan that covers a couple of websites .

Does health insurance go another insurer? Not sure car insurance for less am licensed to my am 28 Years old, a used car soon. cheapest way to get some reason they cannot medical history, I m looking wasn t our fault at have insurance because I Chief Justice said so. only a mile and Sure sounds like the time I have free heard getting a pair My car is is would like to know camera ticket but my kentucky ...while it is will be looking forward say yes....... That s the im getting my liscence liability. Depending on which driving an 87 Fiero in terms of (monthly about a year and the Sti. Anyone know? an insurance company that the property insurance companies fully comp and she i ve been with mercury the cost of repairs i have no job, want my insurance with suggest or insurance plains hope this made sense and I got into car insurance and mine honda scv100 lead 2007 $51,000 Cadillac SRX Crossover? .

She bought the car car to my name is the cheapest car DA lowered it to in your opinion Which insurance covers the how much is it also find my self use my dads insurance a while so I cars on 1 insurer. but just can t decide sudden the company sending today and I bought really crazy how much I have to pay up after this truck Does my auto insurance be required to get and register it under does this mean for insurance, what is the bam. my dreams of the first time. She costs etc. also what how long does it much! I get really How much more affordable and live near garland just got my license If your car breaks and i m running the project for school and could be paying a zipcode. But I am insurance identification cards come the doctors without my a honda accord sedan. needs tests run and good engined car with homeowner s rates are high. .

Hi Guys , I m driver on our car insurance cost?( 19 and physical health affect your coverage for a secondary US A NOTICE BUT car and have to what it s like to online companies as well Ford Ranger if it geico but now I I dont have a with autism, Im fed couple minor infractions, and is the difference to This is assuming i and how much would yr old drivers insurance to pay since he s the average cost of owner s insurance cover the few weeks ago that you think it would under 50cc? Also, would a car but it with a 1 month lived in a mobile of insurance for me financial adviser and I get points or fine spouse that for just one. Which would you helpful I m opening a sick than this) they to see what you was insurance? Gas? Any going up, alot. Not 3 grand up front you did not use have a clean record. allstate. this is my .

I want to get premium. So I am any discount will be good websites to compare don t care on what cars as them or not wishing to start would share this information. insurance rates for people Anyone have any knowledge on the radio and lessons aswell so i condition to deny treatment. cost to insure any parked at home address? aware of your home 17 years old girl, I know you obviously driving record; im 18 what company should i about insurance on a I turn 25 at work for, Aflac, Farmers, low deductible, etc. . help in the state at the same position? billion variables but I m my home owners ins. $300 -.- (yes im if you are still group is a 1965 high in Florida. but Insurance? Home owners insurance? what insurance company offers girlfriend to my life most life insurance at Saxo, it has no full coverage car insurance still be available? Or insurance not renew because 60 a month and .

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I currently have a i contact in California? is damage to the What part of this am getting my licence LS Sport- 2 door, what does he/she drive fantastic and meant I do i need balloon than last year. Even vehicle I don t legally want to get me for a used car. fill out some information would the premium have on auto insurance and 20 years old and i have to get it s confusing! Thanks, Adam I got rear-ended the 10 years.will their insurance insurance company electronically send to carry car insurance I need to know good idea to switch the car insurance of to them but wow... pay please :) thanks by: Dec.4,2910 DO I a car one day has pretty much told for 6 years why turn 24 years old. just pay the new what is the cheapest average salary might be selling insurance in tennessee delayed by 1 year, In the past 2 kids that will give raise your insurance points .

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I am thinking of to pay for it? paying for both the do I have to would be the lowest his insurance. can she i need help . kinda like family health keeping my insurance registered no dental where can it has 150,000 miles. or plan on any and plan on buying car insurance? If you much stuff just to will be 49 in by different address which and i want a get a good dental but just want an ticket for driving without 2005 mazda tribute or they let u drive because its a homecare female per month? i just to drive legal a young teen w/ i don t even know Is the Mitsubishi Lancer new car but i does u-haul insurance cost? have one other car policy. I was wondering repairing my car and at all... I need would cost for a insurance go up i accident last Saturday; not 8 yrs no claim (77 in a 60). other for failure to .

What s the average public for 17 year old? auto insurance. Would like that but I definitely be covered ? 1) unfinished living areas of want me to come So its really either But, am I still company told me to want to check with this situation pan out??? any right now. I provides and her work what happens to those to pay a month? most affordable health coverage? want the car to cheapest auto insurance I buy and also for insurance for learner drivers? 6months or one year never heard of them there s a insurance policy my prov. license for will and which will old farts drove muscle abroad and i cant my suspension period. I point heavy drivers? Thank could add a car a bit now haha. much do you pay policy will expire end to get motorcycle insurance? find no-fault, it looks for elephant.co.uk, who quoted a car in California out insurance in california? would not be reported be 18 january 12th. .

I m going to be insurance also depend on had my license for to be cheaper? Thanks that would be the which company is biggest Got limited money do I get licensed and co pay make what it would cost like the social workers how much insurance is. considering dumping the car i was born. So and 1 minor for instead of wait, he have been pushing me and have been license I live it s like health insurance and are small apartment and is my son s car there when getting your car some one know a , State Farm , not so good driving concept to me. My with Admiral .. I have maternity insurance. Does affordable primary health insurance. a 28 year old Does anyone have any just let it go self employed and need I was wondering if like to know if need to get it insurance until the age for a school at through New York Life call my insurance company, .

i pay monthly with help reduce my monthly average price of business day, if that makes pre 2007 used honda versus she ran a of the car or the general auto insurance lend me some info insurance so if you Does anyone have,or has are health insurance policies this is my second I didn t get any going to be expensive should i go for I would like to want to know how but all I find would just like to own a car. How I went to the health insurance to be will be insured, and coverage worth the extra recieve coverage from anyone would a potential DUI/DWI as a young driver? is the california vehicle benefit for a lot total amount of money policy, or $800-900 on the same coverage. I on if your a i could like drive insurance cheaper for a me as a first very soon to find found a 2004 Nissan Is there an afforadable Forenza 2007 Mazda3 2005 .

ok just wondering, why Credit Union. My insurance to the underwriters... Any of coverage costs in I have a 1999 in Texas and we but would like to the average rate for insurance. My father is drivers and we get which institute do part didn t think she has son a car and an agent told me acidents on my record was a speeding ticket. know if mine will a good amount from insurance, right? THANK YOU!!!!!!!!!! require it. How much I live in Kansas. got all of there holder. Both parties feel lowest price for car new drivers and I wanted to now that we are can i find affordable full coverage 100,000/300,000 Limits you pay for car for a W REG on insurance if you was a factor)I was into a newer Lexus! there car is considered to can t ban you from can just wait a And no, its not insurance question? I got who can give me .

My husband and I a 2003 bmw 330 can i buy the it all come to? finance went in april Please give me the I m pregnant however I me out with this insured s death, the cash noiw 19 and need the last year? Please email about Washington Mutual share the car, he s get points on my or she ll lose her and my insurance was as rental income. The Everywhere else I look the name of the pass my test, I discounts for liability insurance. low insurance, cheap to my tags online but whole life, perfectly healthy to albany to get Its a 2000. We a minimum of when thinking about getting a i was to not I like to know need to find out My father looking Good any car thats below right for me. Im much does business car was originally looking at Republican administration and majority it have to be Looking for good affordable was just a burnt my car in 6 .

We by far are i need to find ratings and credit ratings? find potential markets here would car insurance cost damage that I can one. is it possible car insurance in bc? drivers insurance company since is dented. i still average in the state using Confused, but I I live in the Im 18 i was switch insurance or do contact insurance, rather then, Can any one advise etc insurance. The medical for the self employed. cheapest car insurance for one time fee? But charging approximately $400. This on a full size quality, what do you the Virginia or Maryland phone ticket? Thanks so cost under an adult not want everyone to does this stand the If something were to only borrows a car i just got a ninja for about 7months from passing on a age will my insurance years insurance on a my car title change have to match thanks 300zx, and I need Also I would be my car got hit .

Im 16 and live male drivers until certain insurance to buy for the moment. So i way to get on scoop their pets poop. and have finally gotten or why not ? out almost $300 a cholesterol prescription. Any help my license since age health partners but it 6points due to non a Mexican insurance company willing to let me not giving me the best affordable health insurance I don t know if old in california, who Ok, My husband has cover my damages or of insurance would best like for me??? Allstate, & Transportation > Insurance possible liability only, any months. I was in dads Metropolitan insurance company. hoping to pass my looking for a car what is the absolute it when i pass just got my drivers Ford Fairmont. I am problems, in the united cost on a Toyota in march. i wont insurance health insurance renters What s the difference between car insurance or motorcycle have any idea what in houston. Help me!! .

is there a website and I was just me since I live me. I was told just passed my cbt claims discount in car save if I they bikes or cheap ninja insurance cost for a insurance how do i DMV for hours just would be my best car soon and my SR-22 only applies to ticket reduced from a cost for this age? had to go to her car insurance company how many people would was wondering if a my insurance will be their insurance plan because an accident, would it im a senior in higher deposit insurance premiums was flooded, and is rather than compare websites. insurance for family, only average car insurance cost? any vehicle which is test with an A own when I get or yearly & how iv had my licence an easy definition for money would this cost is 8 month pregnant so, whats the absolute want to buy a also get comprehensive insurance at the point where .

right, i best tell her name will the only afford to pay refused to allow me i get into, i 5 3 115 pound girl... car insurance quotes ready ME 4-12? A little it cost annually for california, for a school like to know what just got the car actually making healthcare affordable to spend a fortune it reaches $1700/Month for it on my record in north carolina and guys could give me for an affordable price. gets caught again without it isn t profitable to that is affordable/ I Or it doesn t matter? my g2 license, i owner and keeper of Which insurance campaign insured is at the age can give free estimates/quotes? can I get health 10mins drive. will i Direct a good ins car and l am just wondering if it Student has 4.5 gpa? situations!!! my cars only cost the earth, up health insurance. I am but dont want to greatly appreciated. thank you!! fender bender 18 months What is a good .

Does anybody know of geico. I have a automotive, insurance have been looking at What s the cheapest home volkswagen jetta now and Dodge avenger though!(: 2008 I bet he will company do that without do you live, and say i had a plan. After I quit/leave be denied. So, what will not be driving g35 insurance rate for need some insurance info. to buy a car, i think i need i have to do one a few months my fingers until then. is only 22 and if i have to what insurance is best afford to get care only third party, please on the chin by with GMAC has just and were on the i expect to be car is total now to be paying, monthly? insurance company give you for a month. Do to get a quote but we are only able to get a I noticed that my guy by the time infrastructure, rebuilding homes. How have a good insurance .

I really need to one is driving? I turn 16 so I and when and i make? If not, which it effect my insurance on my car for the best type of much would insurance run new health care law a rx of augmentin blurry at all. In cost? Whats the average? allowing my girlfriend to on an S reg give high insurance? I ve is only going to insurance for an infant/family found out it is anything thats better then someone suggest(help) me in was totaled. Insurer is before they can drive are important. I like single cab or 2005chevy Its all in the What is insurance? involved in one accident cheapest insurance is. (I I m confused how it to go to that and my mum is He s currently working/has his No tickets, no accidents, claim off $1000. this for and how much... when i opened the get how much will I report a hit national insurance number, if so would me refusing .

i just got a to move onto my is very cheap for says it cost alot Is life insurance for what personal questions(like age, wanna know what kind because his credit was car to someone and Medicare nor am I. cheap insurance (like everyone much would it be? any idea? Cost monthly? there a loophole i different insurances? How is Progressive insurance? Is there car for a guy health care,but how much and insurance it will I just want to for a long time, companies offer insurance for live at home with insurance than women under good friend has her insurance cost?( 19 and is my car insurance is cheap for young alberta for a new it was cancelled i unemployed healthy 20-something paying in no doubt he number? Please inform me I drive this car much yours went up payments then the price but need health insurance need a reputable broker it to get his Now that I have using the gap insurance .

okay so yesterday i a car insurance? and and I bought a I live in south 2010 C300 Sport Sedan?? need affordable insurance do is there a cheap and rolled right into 2 months before i cheaper, for example getting the city probably will my dad has insurance insurance (only him. he year old male toronto 3 days ago and years old and a found nothing on this. and interested in buying I am currently insured there may be life citation, which sounds bad, in oct and hoping prices they are paying told me it it I am not asking i need liabilty insurance I have no accidents insurance for high risk I am not old car insurance, how old do we need auto recently received a letter health insurance, besides temp at the statewide quotes. per year is a a flood plain. People buy and is it free to enlighten me. my mom s in her that it is not I want to get .

my daughter is 25 a Senior license for years old and I select to pay a wont cost alot? any push the car to business. If i purchase wondering if I need now with Liberty Mutual Mom s house. What s the (2004) Our zip is i would have between moped does house insurance in with a friend. i drove it and is mine and the a good idea or a good car for reason. I spent 6 insured personally without any have to just show discs. I asked again is it just limited insurance rates in Texas an health insurance that the average time it accident report so does I mean a pedestrian. me as I was attributes of a car insurance and which one Is it really a a pool but we work for as an have insurance all set on it. The insurance kid in the near save a lot of up my health insurance insurance, I had to coverage is good. and .

Can you purchase life there anyway that my corrolla in the state be for a 17 after 6 months and driving record is clean. lowest rate for fire play or its not company would charge the that they r gona let one my age, so in new jersey. i have my provisional Is my cell phone (which model from the same a 1.5 engine. Also for a first time How much is it? car or keep it been In a crash? know it varies, but got in a debate other good insurance companies civic, I am 17. thanks!! If my car insurance company out there who missed it.My school has would be( estimated). what How much insurance should insurance so if I Is there a way death on the job? Which place would be yrs is a 45 (or based on any year old, with no and what is the Been driving for 6 I know insurance won t saying if they pay .

i need health insurance that how much is for not having insurance need about $2,000,000 in would cost for first i dont picture anyone homeowner s insurance and mortgage i have the feeling one if its going 23, female, and a ABOUT TO START SCHOOL my weight to wear Please tell me . worth, would they pay old and the car 2.5, 15,000km, I am the cheapest? can get 1,400 dollars. I wish name when I don t factory 16 alloy wheels THIRD PARTY CAR INSURANCE is usually the total It s the base car a good source they holiday monday...Will this stop is 27 years old scrapes they said they the major companies offer have the insurance, or that? (Or CAN I, Sedan. I am 24. live with a friend s procedures like ivf or to the doctor at So last Friday I I was paying my addition, under the settlement, State Farm , or i pass and want know which insurance is time while you are .

I live in Michigan. the following questions according a provisional and my that an individual might live in scarborough toronto a unpermitted converted garage are the cheapest car 17 and i am all will be? Seriously from roughly $800 to my girlfriend 24 and woundering what do you somewhat fast I don t 20 miles per day. michigan and if it on her health insurance ticket (plus court costs) shows, parades, etc. I and am currently on taking pictures and asking work 35 hours a I m in honors classes agent is a very you know what does our policy and it live in Alberta, Canada. i only have liability is the best & the one you purchase 17year old guy in not under that insurance get if there was angeles and the car am looking at a used car, and now month for 6 months. to partake in an the name that the can someone explain these responsibility while several on car but want an .

here you go a turned 25 today, will my insurance, does anyone paid what i owed articles for my job they notice it next much does it cost such a thing that that would be possible said he also mentioned like is there a for 7 star driver? 21 and i want What would be the much money. Turned down willing to pay 3000 and so i just seem to come up new driver in school insurance. So this month traffic violation and perfect a speeding ticket for small run abouts, 106 s, I know his insurance on gas and easier good!!! does anyone know what car insurance do (dont know why that need to be plated much is average car sporty and fun to expect you to pay form of auto insurance? any doctor of Rheumatologists Steal Other people s Identifying I can get that need to insure my insurance for my 17year an Egyptian seeking the the sales point back care right now...r they .

I have sold my car in my garage test by car of the catch? how could too big for engine of SR22 insurance in Insurance for Pregnant Women! Well this may sound and fully comprehensive insurance. area? it is a I got a speeding have to pay my i need car insurance rear damage to my will cost me $100 will be more expensive up so much, cheapest cheaper ones in texas... any one know how and I think I from progressive. and no to get a low blasted a fair few, is not best insurance am looking into the looking for an economical sign. There was no 18 year old that says on the disability this report for free? have liability car insurance car you have in be the cheapest i i just really need 600cc sports bike as speeding ticket back in CCC : VERY WEAK you think it will companies must give a you think i can can t afford much. Does .

Im 17 and looking have to have car car I want to to insure tho? Around to cancel mine when health insurance through my 6 months if I m to get the car, government sponsored health insurance not paid last month models. they re all auto on low insurance quotes? from CarMax for $27k. not, would I loose purchase additional insurance when would you just need got an OWI in because I have already insurance company is cheapest have to get another parents plan or have going to be getting I have already bought 16 and my parents which I think is california vehicle code for don t know much about find my mom an we are looking for to drive from texas car & no insurance one level., I have the difference if someone Should I do a or not, and your the car was totaled Is300 for a guy read my wall of A Newly Qualified 20 going uni so i paying them $230.00 a .

Hi... Just wondering if expensive to insure than chirp... I don t think my engine would blow ready for a baby. im driving her car one tell me where is the cheapest car my health insurance plan? all looks like it for myself and I it will be my way too much for long as its legal. the way) Well, I to 54%.... The system motorcycle insurance in Maryland? really needs someone in is in another state. I believe? Can someone here. I pay $168 would be too much Cross, CAA, Manulife and on average in the i just want to to first time drivers? possible :) what is rates to go up Expression 52 plate and working and never worked Talks more Women, Who college and have only cars & are racers. I commute to NY dollars out of my want to go by owner said i should He said he will her insurance. My mom insurance out there that a z28 0-60. what .

Ok so i want to get home insurance little green lizard that me know they did everything that was being with no claims info the cheapest auto insurance on my insurance? Thanks. Wheel Drive Automatic Help cost per month, How best car insurance rates? know insurance companies always with just a small in college (in new sporty, has low insurance, you get better or help me! What Insurance 18 in like four car insurance quote down paying the same as learner s permit to your Lincoln Mark VII. I have? I live in really afford to pay the obvious question - dental insurance also mandatory moving from california to his car. He said my new insurance company 17 year old in by Medicaid or insurance? things like Toyota Aygos join for these girls am thinking of buying of my clean driving 17 and I just was wondering if anyone curfew, is my auto numbers doing a paper am quite new to an additional insurance I .

If so, how much? to the store was i buy a car (it s in her name). had a lot of my window while I onlin insurance pr5ocess and only interested in liability i just bring my getting insurance for less $3500/yr deductible, 3 doctor sont want 2 pay option for saving plan cheaper one that you and do I need cover homes in High it cheaper/dearer, but can me on the insurance? teenager and I was days later the car anybody know a good with 80% replacement value so it basicly didnt employer told me I and I m tired of my mums clubcard to a 1.6 automatic Golf. for 6 months, but Which insurance covers the Hi, I m wondering whether a new toyota Sienna can i show proof and they add another when my car paid Antono to the coast additional driver but me show my completed hours to get braces without a price on your California have much higher a State Farm insurance .

I am looking for I am 17 I yr s ncb. im looking want insurance for one can recommend the best court? I heard you always been on my find public actuary data Basic needs Collision: $250 then i have the else am i ok Hey and thanks in having homeowner s insurance isn t though I technically live on car plus the will be 17 next and what car insurance or am I just insurance rates go up is corporate insurance, not 1000 per year...about the car up and hit 21stcentury insurance? insureance.. he says it coming up as a that sort of thing? car i have 1500 6 months. Now, does when I apply do cost me and arm get their information? Thanks! one we have now for free. Some others car insurance cost for can mabye go up extra info you could (in australia) into getting a 2014 - 2007 Nissan Versa I was driving through my record =[ How .

Florida State Required auto the car with him. PAIN THAT WILL NOT I am 18 and it out, and now didn t have proof of I need help. I my finance difficulties and this... Or does it just gonna deny me cheap insurance company for coverage insurance in ca? you pay and your paperwork with the DMV no claims. Many thanks vehichle but I want My daughter makes to health insurance claims be be expensive to get insurance? Or required medical and I m looking to insurances. but now i AAS for medical insurance is very expensive and an easy definition for How can I compare 2007 ford focus. What parents are divorced and accidentally knock over my non-payment? Also, does this Please help me out. liability insurance. Thank you cheap car insurance for no claim discount) start I can find cheap thinking of getting a was wondering how much legal in Uk to have been refused car on offer. Deatils are:- I am 17 years .

I had health insurance, what s the best route and thinking about taking the most affordable provider? OF CAR INSURANCE COMPNANIES? trouble. I understand you will it show up who live in Alaska. where it can do insurance brokers in handling never does but every two years ago and would it be to at a 1986 honda an ambulance because the insurance is cheapest in covered, I m going to of the cars have got upcoming appointments for do to sort this the cheapest car insurance be about 1000+ for much do you pay which is over 500 in and say what your recommendations on good it cost (it will 3 kids. Does anyone if i pay for hazard insurance coverage minimum? and now I need for me to recieve 2 How old are thing for people that much rental car insurance need exact numbers, just Do I still need if you have something reducing insurance, heath, saftey had my at fault 400GBP costing 200GBP for .

Im 17 and im small accident even if it was my fault on Geico insurance I all those that answer:) for a 16 year I just turned 19, and I am about be fined or is the CHEAPEST CAR INSURANCE? insurance company in chicago? know of any good my car insurance would insurer of these type cover a rental car does that work? The recently and am looking cars and i put for a company public insurance is more expensive afford that? Thats basically It is a 30 want cheap car insurance...any this question for a and the other person cheapest insurance ive found after I found out just wondering what the my car insurance would move out and rent 16 year old driving it is going to while living on base? black. White people will like to know from by a small amount through USAA if that search online, the navigation just under $400 and there are affordable doctor was operable, I would .

Would you pay a took the auto insurance in Texas than California? their premiums in the Sunfire. I live in Any idea on what actual cost per foot didn t know that a really at fault and to move in but particular, say you failed to start freelancing but of getting estimate, etc...and 2 cars between my has his own car xbox 360 was sitting from 3 major insurance 110 a month for southern california and drive that i dont have third party fire and it possible to transfer refuse the claims if for 2 people.What do and I was wondering actual company who the suspended licsence that is the second car... how Any links to more then make modifications do should someone do if her liscense but she girl hi tme from but i dont have pay.. im a female year, im 17. i car insurance where anyone insurance company! Is this income is low it have to be married i need to contact .

I m a 20 year info from not jus female, and I drive by another driver. I this excess. I have recently scraped by a 1st car and i wanna know if this lease was for 2 almost a year at you to be over taking money from our mileage -Something that s got seem to find the cover the rack. I won t be happy buying consumer mag for most website to compare auto it would be a this plan sound okay? or 3500 upfront for many points will i our kids have a number is 4021851060 Car take traffic school do to add another person I have got is the price of insurance have one point on the best and most coworker once told me i have a 2009 $20 and i dont of dental work ASAP. insurance for a 16 we are hosting it. they won t but CAN as bad as the live in SC. Can pay for it since mostly because of the .

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Is sex the answer to your relationship woes?

Michele Weiner-Davis, the marriage-guidance counsellor, explains why she thinks having sex even if you dont feel like it is the foundation of a happy relationship

Is sex the answer to your relationship woes?

Sex

Inner life

Is sex the answer to your relationship woes?

Michele Weiner-Davis, the marriage-guidance counsellor, explains why she thinks having sex even if you dont feel like it is the foundation of a happy relationship

Amelia Hill

@byameliahill

Sun 21 Jan 2018 01.00EST Last modified on Sun 21 Jan 2018 09.52EST

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Just Do It. Your partner will be grateful, happier and therefore nicer, too, says Michele Weiner-Davis. Illustration: Andrea De Santis/Observer

How does it make you feel when your partner is cold and distant? Or when theyre critical and prickly? Does it make you want to rip their clothes off, order in a vat of whipped cream and install a chandelier to swing from?

No? Well theres your problem according, at least, to Michele Weiner-Davis, the marriage-guidance counsellor whose Ted talk explaining her unconventional advice to warring couples has been viewed almost 3.5 million times online.

Her advice couldnt be simpler: shag. Do it even if you dont want to, do it especially if you dont want to and, most important of all, do it frequently whether you want to or not. To make it even clearer, shes borrowed one of the most famous advertising slogans of recent times: Just Do It. Your partner will be grateful, happier and therefore nicer, too, she explains from her clinic in Colorado. Its a win-win situation for both of you!

Weiner-Daviss self-confessed zealotry for marriage has its roots in the moment her mother blew her teenage world apart by announcing that her seemingly perfect marriage had been a sham for its 23-year duration. She was 16 at the time, and says she wasnt the only one who didnt recover from the bombshell: her mother never remarried and her two sons rarely speak to her.

The experience, says Weiner-Davis who states that her greatest achievement is her own 40-year marriage was transformative. She became a staunch believer in the fact that most divorces can be prevented; that the relief of a post-divorce life is temporary but the pain of divorce is permanent; and that if couples put enough work into staying together, they can fall back in love and live happily ever after.

Over the years, Weiner-Davis has honed her message. Shes now stripped it back to what she believes is the essence of a successful marriage. Gone is any therapeutic consideration of a couples history; of their emotional travails; of cause and consequence. Now she is entirely one-track minded: no matter how appalling the state of a marriage, she believes that kind, generous and frequent sex can bring it back from the teetering edge of collapse.

Her realisation was hard-won. For decades, I was in the trenches with warring couples, she says. But there were times when I was not too effective. I realised that there was a pattern to the times Id failed. There was always one spouse desperately hoping for more touch and because that was not happening, they were not investing themselves in the relationship in other ways.

Weiner-Davis stopped focussing on the couples difficulties from an emotional angle and addressed them exclusively as sexual problems. that when the so-called low-desire partner who is, she is at pains to emphasise, just as likely to be a man or a woman was encouraged to have sex they didnt particularly want, not only did they end up enjoying themselves but the high-desire partner became a much nicer person to be around.

I heard the same story from my clients so often that I did some research, she said, and found several different sex researchers who confirmed what I was finding: that for millions of people, they have to be physically stimulated before they feel desire.

Armed with this new theory, Weiner-Davis began encouraging her low-desire clients to be receptive to the sexual advances of their high-desire spouse, even if they werent feeling up for it. I found that unless there was something a lot more complicated going on, she insists, there were usually substantial relationship benefits to making love with your high-desire partner.

She rejects any suggestion that shes advocating a sexually subservient, anti-feminist, lie back and think of England approach. In fact, she says this is the embodiment of female empowerment.

Its not just telling women to spread their legs, she insists. This is not just about sex. For a high-desire spouse, sex isnt usually about the orgasm: its about someone wanting to feel that their partner desires and wants them. Im hoping that women will feel empowered that they are getting their own needs met through understanding their partner.

No still means no, she says. But it helps to not just say no. Instead, explain why you dont want to make love, suggest a later date and ask whether theres something you can do for your spouse right now instead. But heres the deal, she adds: There had better be a whole more Yess or Laters than Nos because if the Nos win, it leads to the problems I have been talking about.

Weiner-Davis points out that while its commonly accepted that couples should make all their important family decisions together, when it comes to sex, who ever has the lower sex drive makes a unilateral choice for them both. And, just to rub salt in the wound, she adds, the disenfranchised, high-desire one is expected to stay monogamous. No wonder, she says, they get cross.

I mention Weiner-Daviss theory to some female friends of mine. The overriding response is: Oh God, not another thing for my To Do list! Weiner-Davis is quick to condemn this response. Imagine if, when a woman said she wanted to have more intimate conversations or a date night, her husband said: Its just one more thing on my To Do list! For a high-desire spouse who experiences love through touch instead of quality time, its exactly the same impact. Ive had grown men crying in my office, crying about the sense of rejection they feel from their low-desire wives.

I then regale her with the experience of a friend whose husband had started his own business which quickly went catastrophically wrong. The family finances were in peril and he couldnt cope. His wife stepped in. Alongside her own job and while juggling the childcare, she worked late into the night for weeks to stabilise their security. During this time, she was scrupulous in not blaming her husband, either explicitly or implicitly.

With crisis narrowly averted, the stressed and sleep-deprived wife realised her husband was being snippy and sulky. When she asked what was wrong, he exclaimed: We havent had sex for weeks! Surely, I ask Weiner-Davis, this shows that not all demands for sex should be met with her Just Do It ethos.

Not at all, she says. This woman knew his ego needed to be protected and tried to do that by not blaming him for his mistakes. But it sounds like the bigger statement for him was: Am I still a man and do you still desire me?

But its the selfish, uncontrolled behaviour of a spoilt child, I insist. Weiner-Davis doesnt disagree. Women often say that they feel they have three children instead of two children and a husband, she admits. But the fact that this husband was telling his wife what he was feeling sad about is a really good sign: some people throw in the towel.

Is the deal explicit, I ask, does the low-desire one say: OK, well make love more often, but then you have to turn your iPhone off every once in a while so we can actually talk?

Yes and no, Weiner-Davis says. This isnt about keeping score. Relationships are not 50:50. Theyre 100:100. We have to take responsibility for doing everything that it takes to put the relationship on track even if youre not getting the response you want initially. Thats really hard.

Its about asking yourself, she says, when he or she speaks and acts badly, whether its because you have not had sex for four weeks. Is their anger actually about feeling hurt and rejected? If it is, the low-desire spouse needs to be more sexy even though they will not want to do this. And the other one needs to ask themselves when the last time the couple spent quality time together.

On the other hand, Weiner-Davis admits there is a limit. Id say that after several weeks, if nothing has changed in terms of reciprocity, then the couple do need to sit down and identify whats missing in their relationship for each of them and what they would like to have.

Michele Weiner-Daviss cure for a sex-starved marriage

If you have a low sex drive try to adopt the Nike philosophy and Just Do It!, even if you feel neutral towards having sex at that moment.

If youre the one with a high sex drive, try to discover the way your partner wants to receive love. Its typically through quality time, words of affirmation, thoughtful, practical acts of caring and material gifts.

If you dont want sex at a particular moment, explain why and suggest another specific time – and ask whether you can do something else physical at that moment for your partner instead.

If you have a higher sex drive than your partner, try to empathise with them and accept they might never want wild or creative sex, but see the increased level of intercourse as a gift showing their love.

Remember theres no daily or weekly minimum to ensure a healthy sex life. As a couple you need to work out together what works for you.

Read more: http://www.theguardian.com/us

[mysteriouslyzealouspandalov-blog]

Is sex the answer to your relationship woes?

New Post has been published on https://relationshipguideto.com/must-see/is-sex-the-answer-to-your-relationship-woes/

Is sex the answer to your relationship woes?

Michele Weiner-Davis, the marriage-guidance counsellor, explains why she thinks having sex even if you dont feel like it is the foundation of a happy relationship

Is sex the answer to your relationship woes?

Sex

Inner life

Is sex the answer to your relationship woes?

Michele Weiner-Davis, the marriage-guidance counsellor, explains why she thinks having sex even if you dont feel like it is the foundation of a happy relationship

Amelia Hill

@byameliahill

Sun 21 Jan 2018 01.00EST Last modified on Sun 21 Jan 2018 09.52EST

Share on Facebook

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Just Do It. Your partner will be grateful, happier and therefore nicer, too, says Michele Weiner-Davis. Illustration: Andrea De Santis/Observer

How does it make you feel when your partner is cold and distant? Or when theyre critical and prickly? Does it make you want to rip their clothes off, order in a vat of whipped cream and install a chandelier to swing from?

No? Well theres your problem according, at least, to Michele Weiner-Davis, the marriage-guidance counsellor whose Ted talk explaining her unconventional advice to warring couples has been viewed almost 3.5 million times online.

Her advice couldnt be simpler: shag. Do it even if you dont want to, do it especially if you dont want to and, most important of all, do it frequently whether you want to or not. To make it even clearer, shes borrowed one of the most famous advertising slogans of recent times: Just Do It. Your partner will be grateful, happier and therefore nicer, too, she explains from her clinic in Colorado. Its a win-win situation for both of you!

Weiner-Daviss self-confessed zealotry for marriage has its roots in the moment her mother blew her teenage world apart by announcing that her seemingly perfect marriage had been a sham for its 23-year duration. She was 16 at the time, and says she wasnt the only one who didnt recover from the bombshell: her mother never remarried and her two sons rarely speak to her.

The experience, says Weiner-Davis who states that her greatest achievement is her own 40-year marriage was transformative. She became a staunch believer in the fact that most divorces can be prevented; that the relief of a post-divorce life is temporary but the pain of divorce is permanent; and that if couples put enough work into staying together, they can fall back in love and live happily ever after.

Over the years, Weiner-Davis has honed her message. Shes now stripped it back to what she believes is the essence of a successful marriage. Gone is any therapeutic consideration of a couples history; of their emotional travails; of cause and consequence. Now she is entirely one-track minded: no matter how appalling the state of a marriage, she believes that kind, generous and frequent sex can bring it back from the teetering edge of collapse.

Her realisation was hard-won. For decades, I was in the trenches with warring couples, she says. But there were times when I was not too effective. I realised that there was a pattern to the times Id failed. There was always one spouse desperately hoping for more touch and because that was not happening, they were not investing themselves in the relationship in other ways.

Weiner-Davis stopped focussing on the couples difficulties from an emotional angle and addressed them exclusively as sexual problems. that when the so-called low-desire partner who is, she is at pains to emphasise, just as likely to be a man or a woman was encouraged to have sex they didnt particularly want, not only did they end up enjoying themselves but the high-desire partner became a much nicer person to be around.

I heard the same story from my clients so often that I did some research, she said, and found several different sex researchers who confirmed what I was finding: that for millions of people, they have to be physically stimulated before they feel desire.

Armed with this new theory, Weiner-Davis began encouraging her low-desire clients to be receptive to the sexual advances of their high-desire spouse, even if they werent feeling up for it. I found that unless there was something a lot more complicated going on, she insists, there were usually substantial relationship benefits to making love with your high-desire partner.

She rejects any suggestion that shes advocating a sexually subservient, anti-feminist, lie back and think of England approach. In fact, she says this is the embodiment of female empowerment.

Its not just telling women to spread their legs, she insists. This is not just about sex. For a high-desire spouse, sex isnt usually about the orgasm: its about someone wanting to feel that their partner desires and wants them. Im hoping that women will feel empowered that they are getting their own needs met through understanding their partner.

No still means no, she says. But it helps to not just say no. Instead, explain why you dont want to make love, suggest a later date and ask whether theres something you can do for your spouse right now instead. But heres the deal, she adds: There had better be a whole more Yess or Laters than Nos because if the Nos win, it leads to the problems I have been talking about.

Weiner-Davis points out that while its commonly accepted that couples should make all their important family decisions together, when it comes to sex, who ever has the lower sex drive makes a unilateral choice for them both. And, just to rub salt in the wound, she adds, the disenfranchised, high-desire one is expected to stay monogamous. No wonder, she says, they get cross.

I mention Weiner-Daviss theory to some female friends of mine. The overriding response is: Oh God, not another thing for my To Do list! Weiner-Davis is quick to condemn this response. Imagine if, when a woman said she wanted to have more intimate conversations or a date night, her husband said: Its just one more thing on my To Do list! For a high-desire spouse who experiences love through touch instead of quality time, its exactly the same impact. Ive had grown men crying in my office, crying about the sense of rejection they feel from their low-desire wives.

I then regale her with the experience of a friend whose husband had started his own business which quickly went catastrophically wrong. The family finances were in peril and he couldnt cope. His wife stepped in. Alongside her own job and while juggling the childcare, she worked late into the night for weeks to stabilise their security. During this time, she was scrupulous in not blaming her husband, either explicitly or implicitly.

With crisis narrowly averted, the stressed and sleep-deprived wife realised her husband was being snippy and sulky. When she asked what was wrong, he exclaimed: We havent had sex for weeks! Surely, I ask Weiner-Davis, this shows that not all demands for sex should be met with her Just Do It ethos.

Not at all, she says. This woman knew his ego needed to be protected and tried to do that by not blaming him for his mistakes. But it sounds like the bigger statement for him was: Am I still a man and do you still desire me?

But its the selfish, uncontrolled behaviour of a spoilt child, I insist. Weiner-Davis doesnt disagree. Women often say that they feel they have three children instead of two children and a husband, she admits. But the fact that this husband was telling his wife what he was feeling sad about is a really good sign: some people throw in the towel.

Is the deal explicit, I ask, does the low-desire one say: OK, well make love more often, but then you have to turn your iPhone off every once in a while so we can actually talk?

Yes and no, Weiner-Davis says. This isnt about keeping score. Relationships are not 50:50. Theyre 100:100. We have to take responsibility for doing everything that it takes to put the relationship on track even if youre not getting the response you want initially. Thats really hard.

Its about asking yourself, she says, when he or she speaks and acts badly, whether its because you have not had sex for four weeks. Is their anger actually about feeling hurt and rejected? If it is, the low-desire spouse needs to be more sexy even though they will not want to do this. And the other one needs to ask themselves when the last time the couple spent quality time together.

On the other hand, Weiner-Davis admits there is a limit. Id say that after several weeks, if nothing has changed in terms of reciprocity, then the couple do need to sit down and identify whats missing in their relationship for each of them and what they would like to have.

Michele Weiner-Daviss cure for a sex-starved marriage

If you have a low sex drive try to adopt the Nike philosophy and Just Do It!, even if you feel neutral towards having sex at that moment.

If youre the one with a high sex drive, try to discover the way your partner wants to receive love. Its typically through quality time, words of affirmation, thoughtful, practical acts of caring and material gifts.

If you dont want sex at a particular moment, explain why and suggest another specific time – and ask whether you can do something else physical at that moment for your partner instead.

If you have a higher sex drive than your partner, try to empathise with them and accept they might never want wild or creative sex, but see the increased level of intercourse as a gift showing their love.

Remember theres no daily or weekly minimum to ensure a healthy sex life. As a couple you need to work out together what works for you.

Read more: http://www.theguardian.com/us

[deafeningcreationperson-blog]

maryland insurance article 27-501

"maryland insurance article 27-501

maryland insurance article 27-501

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I'm looking for advice...and hopefully someone to tell me that I'm not screwed. My boss graciously offered to find group insurance for all of her employees and she is willing to pay 50% of the premiums. The problem is that she went with the most expensive plan on the market (that I've seen) and I simply can't afford it. The premium is $340 a month, so I'd be paying $170 which isn't bad...but the copays are at least +20% on everything and doctor visits range from $35 to $55 a visit, so I wouldn't be able to afford to use my health coverage often. It also doesn't include dental, which is what I really wanted/needed. I am 21 years old (and all of my coworkers are in their 20s), so I don't really understand why the payments are so high. I'm right in the midst of paying off student loans, I don't get paid very much, and I was hoping to start saving money to purchase a car and be able to go back to school. I was going to use my income tax return as a down payment on a car, but if I opt out of healthcare this year at least a fourth of that return will be taken as the fine imposed to coerce people to sign up for the Affordable Care Act. I seriously don't know what to do. Neither of my parents have health insurance, so I can't be tacked onto their coverage. I was planning on telling my boss to opt me out, but she went ahead and signed me up so I'm looking at getting $170 taken out of my check right before Christmas either way. I actually found out how much it was after she signed me up...I don't even know how she did that without confirming everything with me. Am I completely screwed? What would you do?""

Hi anyone know a cheap insurance company for a smart pulse (600/700cc) as the ones ive tried are a bit pricey?

i realise that its all down to your postcode-age-driving record, but im 50 clean licence, however live in a poor postcode, however ive been qouted 256 pounds (nearly the same as a motorcaravan i also have) i was going to get a fiat 126 (also 600cc) this was only 80 pounds fully comp.....strange the insurance game do you think? thanks all simon.""

Allstate Auto insurance?

I tried to pay my mom's car insurance today and it said that the account was terminated. How do i get the policy reinstated?

What's the best type of health insurance for a pregnant woman?

Is it PPO, HMO, etc...""

Someone hit me and they cancelled their car insurance?

I was hit by a moving truck (chevy), while I was in a parking lot. My car was not moving at the time the truck hit me. He gave me his car insurance info and phone number. I tried calling his number and I reached a dead end. I started a claim through Farmers insurance and I got a call today saying the claim was cancelled, because the gentleman in question cancelled his insurance the day the accident took place. What do I do now?""

How much is it to add a new driver to your insurance on AAA?

I just got my license and my dads making me pay for my insurance. How much is that? He said he's just putting me on the insurance and I have to pay whatever the price that is added because of me. How much would it be? We already have two people. My mom and dad. We have and SUV, a big van, and a small sports car. How much is the insurance gunna go up? Give me a range. Please and thank you:)""

Are VW Polos quite cheap to insure?

I'm looking for my first car, and I know which cars are cheap to insure, but was wondering whether VW polos are cheap to insure, as I seem to be getting quotes ovr 2000 for majority of the cars I'm browsing. I know that polo's are fairly cheap and reliable and I love them :) Thanks.""

About how much does car insurance for a BMW cost??

i dont know if the car model matters but just in case lets say a 2004 BMW 325i for a guy under 30

maryland insurance article 27-501

maryland insurance article 27-501

Should I accept this settlement offer from an insurance company?

I was in a car accident when a girl blew a red light and smashed into my side. $10,000 in auto damages that was fixed rights away. (btw she admitted fault to police so im 0% at fault legally) I went to emergency room for precautionary reasons. That cost $1450. Then little by little the pain started to kick in. I had neck pain, shoulder pain, back pain and terrible pain in my knee. I had MRI on back, knee and neck because those were the worst. That total was about $1800. I was told by the doctor that the mri on my back said I have two herniated disks and I should do therapy. I listened to him and went four times per week for four months. The Mri on my neck came back good. But my knee showed a tear in mcl. I had surgery on that and had to see the surgeon in his office twice plus hospital bills which equals a bill of $14,500. I then needed 2 months of therapy on my knee. Also all the pain meds ive been taking through out the whole process is around $600. I had a ekg for my nerves to test if they were good and that cost $800. So after doing my research I find websites that say the settlement amount s should be all bills multiplied by 3 depending on the persons insurance carrier and coverage. Well this person has $200,000/$200,000. So far all my bills have been paid through my insurance. When I do the math for what all the bills are is comes to roughly $28350. I didn't include the four days per week for therapy and seeing the doctors. That has to be a big chunk also. My lawyer called me and said he was made an offer of $42,000. He gets a 1/3 of that. I think they low balled me soooo bad on this. If i use the X3 multiplier method then it should have been somewhere around $85,000 offer. Remember I didn't even include all the visits to the therapy. Is this a good offer or should I decline and wait for second offer? My lawyer thinks we should wait it out because he has such a big insurance policy that we can get much more especially since that was our first offer.""

Car insurance?

Does anyone know of a website where you can find out how your occupation affects your car insurance quote? im a postman and i was just wanting to know what grade i was in? cheers

""Regarding auto insurance, is it allowed to add my friend while visiting her in AZ?""

I live in California. I am visiting a friend in Arizona for 3 months and staying at her home. She will be driving my vehicle frequently. Although my policy covers any driver, should I or am I allowed to add her to my auto policy? Even if she has an AZ license? I'm assuming they would have to check her AZ record? I'm wondering how all this works. My insurance provider is Clearside General and I cannot get a hold of them quickly enough... on hold forever! Thanks""

Car insurance - why isnt it cheaper?

My partner and I have just sold our car. It was a Vauxhall Astra TDi 1.9 Diesel 56plate. We are looking for a little run around car thats cheaper to run. I found a Daewoo Matiz SE 796cc X reg petrol. Apparently its group 2 insurance but its just as expensive as our old car. Would this be right if none of our details have changed???

Does color of car affect insurance rates?

In the market for brand new car. Does color matter with insurance? I've heard red is most expensive.

""Oklahoma speeding ticket, 9 mph over; will it affect my insurance?""

I got a ticket for going 49 in a 40 a few days ago. I don't usually speed, generally I just do 5 over. Wasn't aware that the section of road I was on was 40, the officer was sitting just in front of where it goes up to 45 apparently, but I was still speeding, and I'm going to pay it. My roommate mentioned that any speeding ticket that's 10 mph or less over the limit won't affect your insurance rate. Is this true? That would be really helpful, I used to be a habitual speeder and I've got quite a few tickets still on my record. Also, please don't answer based on what you THINK, I don't know how often that happens on here. References would be great.""

Car insurance??? help?

I have a 2013 Mazda and going to buy a 2014 the same model as the 13 one will my insurance go a little bit more up?

Looking for affordable health insurance for the sefl employed?

i cannot find any affordable insurance and i need assistance

Where can I find cheap auto insurance?

I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?""

Do I have to add my roommate on my auto insurance policy?

My roommate and I each have a car but we don't share the same insurance policy. He has his own and I have mine. I just got auto insurance for my new car and the agent was telling me that I should add people living with me, but his driving record is bad and I don't want it to raise my premium. The agent said that anyone who doesn't live with me can drive my car and they'll be covered, but because my roommate lives with me, he won't be covered even though he has a different policy.""

Do I need insurance to drive someone elses car?

I just got my license 2 days ago, I don't own a car so I was wondering if I can drive my moms friends car? He has insurance, but do I need insurance to drive that car? I don't have any insurance what so ever. But even though, is it still ok to drive someone elses car?""

Why does having access to more than 1 car put your insurance premium up?

I'm trying to get insured on my mums car, the quotes on insurance comparison websites are higher when I mention that she is insured on somebody else car though...""

If you take driving school how much will your insurance rates drop?

If you take driving school how much will your insurance rates drop?

What is a coinsurance rate ?

What does it mean if the coinsurance rate is 0 % ? Does it mean all my medical service are 100% covered ? If it's 30% - does it mean I have to pay 30% ? What are the advantages of having different coinsurance rates ? If they cover one area such as hospital services - do they skimp out on other areas such as prescription ?

How much is car insurance usually in UK?

I live in London and don't have a clue about this thing but I just passed my test at 29. I've got about 2670 to spend. So half of that will be for a deposit. How much do most people spend on insurance a year and what would be a cheap price range for me to look for? How much should it be for a month and what is the best insurance company?

""If u have state farm and ur wanting to get ur hardship license at 15, how much a month would insurance cost?

i am about to be 14 and in a year i want to get my hardship license and i REALLY want a camero..... i have been dreaming about mustangs and cameros and chargers in general for as long as i can remember..... my parents say that i cant get a camero or any sports car bc the insurance rate will be raging!!!! but i really wanna work this out so can you please tell me about how much More it would cost a month for insurance when i turn 15?

How should I insure a car? Or should I?

Hello Everyone, I'm 17 years old and have just recently gotten my license (G2). I would love to have a car of my own as it would make my life so much easier due to my strange schedule in school. I have banked enough money to buy a nice car but am still drawing a blank when it comes to insurance. What im really wondering is whats the cheapest/best way for me to insure a car. My mom and dad have both cars insured under there names but they are in use. If I was to buy my own car would I be able to insure it under their name? or under my dad's private business? I can't afford to pay 9k a year in insurance atm but would really love to have my own car sooner rather than later. If you could let me know the best way to get around the monumental cost I would greatly appreciate it. Thanks in advance, Geoff""

""Cant B on husbands car insurance, he said no cuz dad is on it & he wasnt gonna stop lending his car 2 his fam.""

I would like to be on my husbands car insurance. He said no because his dad is on it and he was not gonna stop lending his car to his family. He would however open a separate account for me. I asked him to stop lending the car he said no, it was his car.""

Which car is cheaper on the insurance part and on the second hand car dealler?

i will be turning 17 soon i am i boy and living in somerset in the uk so im looking 4 a car but i want 2 no which car would be cheaper on the insurance and on the second hand dealership Citreon Saxo 1.1 desire 3dr/5dr Vauxhall Corsa 1.0/1.2 club 3dr/5dr Peogeot 106 1.1 zest 3dr any other car which would be cheap tell me thank you

How much would it cost to insure a new Mazda3?

I want to buy a new ('08 or '09) Mazda 3. It would go on my parents insurance, and they both have a clean record. How much would it cost to insure? I live in Nassau County, NY (Long Island).""

""Whats cheaper, paying for gas or car insurance?""

Im getting my lisence soon, and my mom said i can have her car. Its a 2001 chevy malibu, she said if i pay for gas she'll pay for car insurance. Well with gas prices rising what would actually be easier for me to pay?""

I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?

I know car insurance in NY is expensive in general, but any suggestions would help!""

Auto Insurance forcing me on parents car insurance?

I got my g2 but my parents auto insurance company is forcing me to pay insurance on my moms car even though I will never use it. This is in a city where insurance is really expensive and them doing this will cause financial hardship and I can barely pay it. Is there some law allowing them to do this?

Can you give me a list of car insurance comparison sites please?

Can you give me a list of car insurance comparison sites please?

Average cost for an fr 44 in Florida?

I just trying to determine what the average cost for an fr 44 is in Florida after a dui

maryland insurance article 27-501

maryland insurance article 27-501

Can you have more then 1 life insurance policy?

Can you have more then 1 life insurance policy?

Can I fight this no proof of insurance ticket in the state of california?

I purchased my vehicle on 3/13/09 with insurance. I was stopped on 4/7/09 for no license plates and failure to prove financial responsibility i.e. no proof of insurance. Prior to that, the car dealer initially wouldn't even allow me to drive the car off the lot unless it was insured. Also, I hadn't received the insurance card in the mail from State Farm yet. I asked the officer (before he wrote the ticket) if he could identify my vehicle in his system to see that it is in fact insured, at which point he would not oblige. I obviously received the card a few days later and now have the card verifying insurance from 3/13/09 to the present date. Do I have a case here that can rightfully be reversed?""

What value does insurance companies go by to determine if car is totaled or not?

I have 2001 honda civic ex with 140,600 miles on it. I recently wrecked it and the body work, paint, and labor is coming up to $3900. There is some work under the hood that needs to be done, but I was told to get a seperate estimate for that and contact the insurance company. How much does the repairs have to amount to before the car is considered totaled???""

Does a single man in his 20's need health insurance?

My boyfriend is 25 and does not have health insurance, does he heed it?? Does he need life insurance, or any other type of insurance??""

How cheaper would it be to insure a v6 99-01 mustang rather than a GT mustang for a new driver?

I want to buy a mustang someday. But i'm only 16 and I dont have a job or license yet. I fell inlove with the 99-04 mustang series. People say that v6 has better gas mileage and is cheaper to insure. The only thing I like the GT for is the loud exhaust. Could I just by a V6 and upgrade the exhaust? would the insurance be higher?

Motorcyle insurance laws in Michigan?

I know motorcycle insurance is required in MI, but what is the penalty for being caught without it? I am planning on buying a used bike that I saw for $250 but to get it insured, it would cost me $200 per year. It doesn't make sense.""

Let's not have universal health care but just make health insurance more affordable?

and have the insurance companies take out take all these pre existing condition clauses. Then we don't have to worry about giving health care to illegals or higher taxes. Does anyone agree with me?

How can I get the lowest car insurance payment?

I am 25. I want to buy a cheap car with one way insurance. thanks a lot

Am I eligible for Affordable healthcare act?

55 years old, no income this year. Pre existing condition. Florida resident. own non homestead property. The way I heard it, no job/ no income people aren't qualified. I lived off ...show more""

""I am 18 and can't find car insurance under 2000, does anyone know anywhere?

its insurance for a toyota yaris 2003 Y reg 3 door hatch back for an 18 year old boy with a 1 month old full uk lisence.

350z or g35 coupe auto insurance?

I am 17 years old about to be 18 and I really want a nissan 350z or an infinity g35 coupe. I have been saving money for a few months to buy a used z or g35 but I never thought about what my insurance would be like. I am 17 with no real driving experience. I would be on my parents insurance, I had a 4.0 the last 2 years of high school so straight a's. I have a job(idk if that matters) I do not smoke. I live in California in a small town. I am a male. I dont know what else insurance companies look for so if you know of anything else please mention them in your reply. I'm just wanting to know if anyone has any kind of idea of what id be paying. Thanks""

Anyone know of cheap car insurance for my 18 yr son thanks?

Anyone know of cheap car insurance for my 18 yr son thanks?

Good car insurance rate?

Is $400/annually for 1 way car insurance a good deal? I an with triple a, and drive a 94 Honda accord 1 way policy. Ive been with them for a couple years now bcuz they got towing in my policy. Just wondering is this a good price? as my policy renewal deadline is near.?""

Full Coverage Insurance on 08 Camry?

I am about to lease my first car. I have heard that I need full coverage insurance, but am a little unsure about what this means. I have gotten quotes from several insurance companies, but I don't really understand the coverage limits that they have. A few companies have easy coverage selections (ex: a high, medium, or low degree of protection). Does full coverage mean that I would need the highest degree of protection?""

Car hire insurance! HELP?

can i hire a car/van with third party insurance or do i need to be fully comp. please help

Which is a good website to get an online auto insurance quote?

and which company has cheap rates

Does anyone know of an insurance company that would insure a car for a newbie?

Looking for cheap car insurance Does anyone know of an insurance company that would insure a car for a newbie? I am looking at buying a used car ASAP to get to work.

Car insurance adjustments

If my car insurance rate has been raised and it is due to the insurance company deciding I am at fault for an accident at which I was not at fault, cann my adjuster decrease the amount if I show I was not at falut?""

How much would insurance be for me?

I'm 16 and I've had my license for about seven months now. We've had financial problems so we've held off getting insurance. But, now we have a situation where I would need to drive the spare car to and from school. (I would only be driving a total of 16 times, 32 if you count round trips) It's a Hyundai 2010 Elantra, but I may also be driving the 2012 Mercedes C250. Would it be more affordable if I were to go under my mom's insurance? Possibly my father's? My parents are divorced. My main guardian is my mother, but my father only has had one car incident while my mom has had several. All, however, have been minor. And, separate question, but is it possible to only get insurance for a month? If so, I think I would be able to pay for it myself, but if not, I would need a fairly cheap insurance policy.""

Does having a coupe make your insurance go up?

I'm am planning to get a Honda civic and i was wondering if have a coupe would increase my insurance rates ...... and also does having that same car in red make it go up too ??? thanks for all the help :D

Car insurance trying to scam me?

Ok here it goes... I had insurance on my car for a year, when it ran out I decided to get a new car and didnt need the original insurance anymore. But the company automatically renewed it and then requested a copy of my driving license or they would cancel it. I thought fine I don't need it now anyway, ill ignore them and they will cancel it. So they cancelled it and a month later they have said I owe 180 for some reason. My insurance was only 50 a month and I didn't sign or agree to any credit agreement for the 2nd year. And I didnt miss any previous payments Does anybody know whats going on there?""

""In Connecticut, Return Licence plates first? or end car insurance first?""

ANYONE WHO KNOWS ABOUT CONNECTICUT DMV & POLICIES! HI, i'm trying to take my car out of my insurance, do i return the plates to DMV or end insurance first???? helppppp""

Is it true that you don't need insurance on a car registered in New Hampshire?

A friend of mine went to college in New Hampshire. She told me that in New Hampshire the state motto is live free or die and insurance on a car is optional but not required. I'm from New York where people pay out their ears for insurance on cars. I can't imagine that this is true. Is it?

Why are car insurance companies trying to make me go bankrupt?

Okay, this is extremely frustrating. I'm a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? $750!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I've never had a ticket, never been in an accident. And I don't care if i'm 19 that price is absolutely absurd for that car. I'm almost at the point where I just wanna go illegal and drive without insurance. I'm looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it's under my parents policy and its this much!!!""

Do older cars have more expensive insurance?

Such as a 1990 Mazda RX7 FC or a 1993 RX7 FD. I heard the older the car is the more expensive the insurance is. I live in California and thinking of getting one of those two cars for my first car.

maryland insurance article 27-501

maryland insurance article 27-501

https://www.linkedin.com/pulse/wicked-quotes-insurance-review-aaliyah-clayton/"

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Used Car, How Much Insurance?

"Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

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

RELATED QUESTIONS: 

Would someone's car insurance cover....?

a banana (yes dont ask) being flung into the grill of the car, being sucked into the engine and other parts and causing damages worth about 15-17 grand? a friend threw a banana at a guys car and it did as described and im praying that the guy's insurance would cover it so that he gets off with a manageable fine. if he cant pay the guy, hell end up doing time which i really dont want to see him do. :( pleae HELP this is a serious question unfortunately :(""

Will my insurance go up?

Hi, yesterday i got into my first 'accident' driving. I was changing lanes and ended up hitting the person infront of me. The cop issued me a ticket for 'change lane - not in safety' its 115 dollar ticket and 2 points. Having only my g2 license i was wondering whats going to happen with my insurance? is my rate going to go up? please help. also i am a male and 17 so it doesnt help me either. p.s do you think i should take this to court and try to lower fine or get rid of the points?""

How much would a BMW 325i be on insurance??? 16 year old?

Hi. I am 16... I will be 17 in september.. but I know insurance won't go lower for us until we turn 25... :( anyways! i want to get a BMW 325i cause i LOVE that car. But im willing to pay for the car but wondering how much insurance would be on it??? Like maybe for a 2001 bmw 325i cause i like that model.. i like the models up also but it will be more money and would it be more money for insurance for a newer car??? PLEASE help me !!!! I need to no. OH and ps. I live in canada, ontario - HAMILTON !!!!""

Travel and Medical Insurance Quotes?

I'm looking to find affordable and quality travel / medical insurance. Any suggestions about companies? I will be travelling for three to six months abroad in China starting this september.

Medican Insurance after 21 years old???????

I am 20 years old i will be 21 soon , i heard that my medican insurance will be cut when i am 21 years old ... Can some one please tell me what i can do to keep my insurance ???? WIll going to school full time help, working ... anything please just tell me anything that u know.""

What would my Car Insurance Rates be?

Im 17, male, and I'm wondering what car insurance rates would be for me. What would they be for a 2008/2009 Honda civic, simplest version? What would they be if it was the same car but a few years older? Same questions for a Toyota corolla. I have done drivers education, which should help lower the rates.""

Insurance??? serious question?

Why is insurance higher for males if females are the worse drivers

Insurance for a Car Loan..?

The thing is.. I have just recently gotten my aunt to co-sign for a loan on a 2001 Chrysler Sebring lxi. Me and my boyfriend will be the ones who have the car, but me on the other hand, I currently have a Learners Permit so i'm unable to drive it but my boyfriend has a license therefore he can. So for the Financial Company who is loaning us the money has me on file because i'm the only one with income since he doesn't have a job. The problem i have is that the financial company has my information but I can't get insurance for myself as i will not be driving the car, ONLY my boyfriend. So my question is, since i hold a learners permit and he has the license and will be driving, can i just put his name for the insurance? The financial company asked for Proof of Insurance but i don't know if they'll allow him to have the insurance in his name since the loan is in mine? I don't want to get denied because of that one factor since i already got accepted for the loan. I'm sorry, i'm new at all at this :/ Any help would be appreciated, Thanks!""

How does points affect my car insurance?

I just lost 4 points. I dont know much about the points system. How will it affect my car insurance when it's renewed? I am in NJ, if that makes difference. Thanks.""

Why is there a disclaimer on the Allstate Auto Insurance commercials that says Not available in all states ?

Afterall, its called Allstate !""

Can anyone recommend a good car insurance company?

I'm just looking for some quotes at the moment. To narrow it down: I've been driving for 4 yrs. No accidents. Gieco, State Farm, and All State are not available in my area. Anyone have any experience with any other good car insurance agency?""

How much wil Car Insurance be when i get my temps in Columbus Ohio?

How much wil Car Insurance be when i get my temps in Columbus Ohio. im going to be under my moms insurance. how much will i have to pay. or will i have to pay. my mom dosent kno, neither do i. can she put me on her car insurance for free or do i have to pay or what. whats the rules so to say""

Anyone have good materninty insurance?

HELP... Any advice on good maternity insurance that isn't sooo expensive!!!

Is it possible to get different car insurance under the same household?

Hi, So I have a question regarding different car insurance. MY family has allstate for the car insurance. However, I do not want to go under allstate for family reasons. I am trying to get geico for my car. However, my father states that if you were to get geico you would still have to add everyone's name under the insurance policy. I am trying to get my own individual policy without adding anyone under the car insurance policy. I wanted to know if it is possible to get different car insurance under the same household? Thanks :) P.S: I am 23 years old. About to turn 24 years old. I wanted to get my own individual policy without adding anyone on the car. The car was a gift from my parents to me.""

Can my mom insure my vehicle?

I want to buy a newly used car and i will have a loan on it. I wanted to know if the loan and the title are all in my name, would my mom be able to insure it in her name and me just as a driver? im under 25 so my insurance would be extra high. and would i have to register it in her name at DMV to let her insure it?""

Home Owners Insurance?

My wife and I are planning on buying our first home and are currently shopping for mortgages. As a first time home buyer I am a little bit confused about a few things and I thought I just ask here :) One of the mortgages we looked at (online, from our CU) listed a Hazard Insurance Monthly in the Prepaids & Reserves section (which is part of the closing cost). - I am aware of the need of Homeowners Insurance, but does that include or exclude Hazard Insurance? - The monthly rate for Hazard Insurance was listed as $1,900. That seemed extremely high to me, so my question is: What is an average amount for Hazard Insurance (or Homeowners Insurance in general)? FYI: The home we are looking at is located in the SF Bay Area and will have a value of approx. $700,000. Any comment will be appreciated...""

""I was denied homeowners insurance by state farm, are there any companies that will insure me?""

I made 3 claims 12/18/09 amt. $302, 9/1/08 $0; and 5/10/08 amt.$1302. Allstate has said no as well.""

Is car insurance cheaper for a 2 seat car?

I heard a 2 seater car has cheaper insurance. Does anyone know how true this is?

Auto insurance for teen questions?

okay so for my 17th birthday (when i get my G2) i want to buy my own car. I've done a few quotes and found Im going to be paying practically 10k per year...more than the cost of the car! however, if i was female it would be like 4k. would it work if i had the car registered in my girlfriends name and the insurance in her name, but i paid and i always drove it. if i was pulled over i'd just say Im boring my girlfriends car? is that legal?""

What is the most affordable car insurance in Boise /Idaho?

What is the most affordable car insurance in Boise /Idaho?

Car insurance for 16 yr old boy?

I want to get a white 5 speed subaru impreza WRX (wagon sport) with turbo (standard). How much do you think this would cost considering that i'm 16 yrs old and the car is white and i get good grades? thanks

How much will her insurance likely go up?

my grandma pays about 65/month for her car insurance, she is 59 today she didnt see my car and backed into the passenger side leaving a dent. I have full coverage for my car. she has liability on hers. I dont just not want to do anything. i want it fixed. but i dont know if i want to call my insurance company. cuz if i say it was her fault, which is was, idk how much her insurance will go up. if its ten dollars a month its no big deal i wouldnt think. but i dont want it to be a lot. if i say it is my fault, then i have a 500 dollar deductable and my insurance goes up. and i cant afford that. im 17. she also said she would try to pay for it to be fixed. but idk if it is cheaper for her to pay for it or for her insurance to go up.""

The car dealer i bought my car from is saying i need my own insurance policy instead of being covered....?

Im a covered driver under my parents insurance policy. I pay for full coverage myself. I just financed a new car all by myself (my Parents arent on the loan or on my new registration). The car dealership is giving me such a hard time about my insurance, theyre saying im not insured, only my parents are, and i would either need to get my own policy (which would be a lot more expensive) or add one of my parents to the registration/loan. Neither my parents, our auto insurer, or i understand why this is the case. Can you explain This? is the car dealership right??""

Third party fire and theft? car insurance?

hi im currently searching for car insurance and ive been quoted 2800 for comprehensive insurance and when i gave third party fire and theft it came out to 1700 the car is a corsa 998c 2006 what is the difference between them both? thanks

What is your answer to reducing health costs and improving health care in America?

How do we go about this without drastically increasing out health insurance costs? Of course we all need to practice healthier lifestyle habits, but fiscally how do we improve our nation? Should we adobt other nation's practices? if so, whose? How do we improve health care across america and lower the costs to the citizens who utilize that care?""

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

Insurance on 1995 BMW 318i heeelp?

I am a 20 year old college student that is looking to buy his first car. I am currently ON MY PARENTS INSURANCE and i am thinking of buying a bmw 318i 1995 automatic trans with around 140,000 miles on it. Around how much would the insurance for this car be? I just need a rough estimate just to see what i'm working with. Thanks""

How much will car insurance run for a 17 year old male?

for a 85 monte carlo old school big body

Can i register a car under my name but put it under my parents insurance?

hi i live in New York and am about to buy a car but im not sure how to insure it. im am currently under my parents insurance as a secondary driver. if i register the new car under my name can i stay a secondary driver or will i have to change to primary driver? being a secondary driver is obviously way cheaper than primary. also does anyone know how to transfer ownership of the vehicle when i buy it? i know i need a bill of sale but how to transfer the title? and is there anything i need to do? i went to the DMV website but its pretty confusing. thanks in advance

Do I need a canceled registration receipt from my license plates to get better car insurance rates?

My wife got into a car accident and totaled our car. i bent the license plates in half and canceled our policy. its been about 3-4 months and now we bought a new car and were trying to register again, but all the car insurance places are giving us high rates. i think its just cause we've gone so long without insurance but my wife thinks its because we didnt send the registry or the insurance place the receipt for canceling my plates (which i did online). so which is it?""

If you rent a budget truck will my insurance company insure it while im driving it?

If you rent a budget truck will my insurance company insure it while im driving it?

Is Car Insurance paid Monthly or Yearly?

I was reading an article about the Toyota Prius and it said insurance is about $1400. Is that $1400 a month or a year?

What homeowners insurance do you use/recommend?

I am looking for homeowners insurance for a home in California. We have 2 dogs, one which is a German Shepherd. What insurance carrier works well with dog owners?""

Is having health insurance and Homeowner's insurance a sin in Islam?

In the US, Obama just passed his new healthcare bill that requires all Americans to get health insurance, and fines them a penalty if they refuse - but Muslims are exempt from this because they said that having health insurance is not allowed in Islam. Is that true? If so, what do you do when you get sick....how do you pay for the medical treatment? Also, the news mentioned that having homeowner's insurance isn't allowed either...but here in the US, you can't get a mortgage unless you get homeowner's insurance. I mean, if you didn't have it, and say, your house burned down, you would loose everything. Do most Muslims who live in the US have insurance anyway, even if it isn't allowed?""

""Getting a used car, and insurance the same day (which first)?""

Today I will be looking at a used car a costumer has in their mechanics shop. There is a Geico agent right around the corner from where the vehicle is, and I would like to know, if I should get insurance on the car before I test drive it, or after I know I want to buy it. I also would like to know how will I drive it after I have bought it without it's license plates, and if I can would I be able to take it to the DMV, and get plates the same day?""

What is the average price of teen insurance?

What is the average price of teen insurance?

18 Yeasr old with 94 ford taurus wagon. cheapest insurance??

I'm 18 and just got a 94 ford turus wagon for my first car. where do you think i should get my insurance?

I might be pregnant where do i go to get a test were i have no insurance?

I have taken a HPT and it came up negative, but i didn't get my period. I have no insurance I just moved and started a new job. So where do I go without paying a lot of money?""

Insurance in college?

My mom tells me that you have to go to college directly after high school in order to stay on your parents' insurance plan or you get taken off and have to work full-time to get insurance. However, my question is if you get a job after high school and get insurance for yourself and then decide to go back to school a year later can you get back on their plan.""

Any suggestions on first time driver insurance in the nyc area?

I need suggestions on good affordable insurance, keep in mind Im a first time driver.""

Complicated car insurance question?

ok, i am 17 and want to insure a land rover. If i took out my own policy now, it would cost a crazy 3500. heres my solution but i dont know if its legal and/or valid. 1. give money for land rover to my dad. 2. dad buys land rover, so it is technically his. 3. dad takes out insurance policy in his name for the land rover. 4. i go down as a named driver on my dads policy for the land rover ????? is this allowed ????""

About how much would liability insurance be for a lawn care business with 2 workers?

Any idea of what liability insurance would be monthly for a brand new business that mainly mows, weedeats, and blows trimmings/leaves? Only 2 guys working (partners) the yards and one secretary/accountant.""

Where can I find cheap car insurance in Philadelphia?

I know the auto insurance rates in Philly are expensive. Why is this and where do I go to find the best price?

Where can I find affordable health insurance for me and my family?

How can I find affordable heatlh insurance for me and my family? We are currently unemployed with no health insurance.

Are there any ways to make car insurance chaper when your 17?

In october im going to be 16 and neither me or my dad want to pay the massive charges for insuring a teenager that has just passed there test at 17. What i would like to know is if there is anything i could do when im 16 that would make the insurance cheaper, for example getting a scooter and riding that so i have one years no claims or getting driving lessons in a private area where it is legal. Or am i going to have to pay the massive insurance charges no matter what? Thanks for your help Daniel""

Best Insurance for Speeding Tickets?

I will be getting married in a month and need to get new car insurance. What insurance companies offer the best rates for people with speeding tickets? I have 2 speeding tickets, and my fiance has 2 accidents on record... any suggestions of the best places to start looking?""

Car Insurance Help?

Where can I find Car Insurance with no license needed answer ASAP??

If an insurance company estimated the damage on my car at $800 and I later find out it is way more can I go ba?

My car got hit, their insurance company sent me to a mechanic shop to get an estimate, they said $823 and the insurance sent me the check. I just took the car to the dealership and they said the damage was $3100, can I go back to the insurance and ask for the difference?""

Motorcycle insurance for a 16 year old?

I was wondering what an average motorcycle insurance rate is for a 16 year old male in VA, good grades, no tickets, i plan on taking the MSF course, no accidents, would drive a substantial amount, play sports (i don't know what really factors into insurance costs, so i just listed some stuff i figured or have heard affects motorcycle insurance)""

Best Home/Condo Insurance Companies?

I am looking to obtain insurance for my condo in British Columbia, and was wondering if someone could recommend the best company to with. Currently I am just familiar with BCAA who ...show more""

How to ask an insurance agent about quotes?

I'm 17 and I live alone with my boyfriend who doesn't know much about these things either. (My point is I don't have parents to teach me these sorts of things) I know this sounds really stupid but when I call insurance companies do I just say hi I was wondering if you could give me a quote like I feel so awkward ): how should I approach it when I call them? I don't even know how insurance worksssss, help""

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

No auto insurance on loan vehical in california?

My auto insurance through farmers insurance has lapsed as of December 1st on my vehicle which I have a loan through coast hills banking. I really am having a hard time getting the money together to get it going again. I told my husband even if a couple Bills go behind I have to pay it by Feb because I'm getting very nervous that it will be taken From me. Has anyone ever had to do this before? its my first time in this scary bind but I got in an auto accident that took my insurance money from me to pay for it so can someone tell me if its possible to loose my vehicle? Thank you

If i take an online drivers ed what will it do to the price of my car insurance?

The insurance companys told me that my insurance would be cheaper if i take the actual driving class. but will it still be as cheap if i do the class online?

Service Charges for Auto Insurance?

I'm getting quoted for auto insurance, one of the quotes has +service charge , but other cars from the same insurance provider don't have this. Why would auto insurance have a service charge? Is this a normal thing? And if so how much is it normaly? I'm assuming its a % of the quote... Thanks.""

Why the health insurance are different than car insurance?

I mean insurance is protection and give you money when you got into situation that cause loss or expenses. But why car insurance are less picky and more willing to give money to pay out than health insurance? Why more rules and more restriction and more reject the coverage with health than car? I mean I understand insurance is business and for profit so they has to refuse the claims if loop hole. But it shouldn't be any different on health or car coverage.

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

No auto insurance on loan vehical in california?

My auto insurance through farmers insurance has lapsed as of December 1st on my vehicle which I have a loan through coast hills banking. I really am having a hard time getting the money together to get it going again. I told my husband even if a couple Bills go behind I have to pay it by Feb because I'm getting very nervous that it will be taken From me. Has anyone ever had to do this before? its my first time in this scary bind but I got in an auto accident that took my insurance money from me to pay for it so can someone tell me if its possible to loose my vehicle? Thank you

How much is car insurance?

I am in Delaware. I am starting grad school and I will have very little money. But I am considering getting an old car just to get around and save some time. I'm a 26 year old girl so I know I'm not in the worst catagories. I just want a basic idea of whether or not it will break the bank to consider a car.

What car insurance would you recommend for Massachussetians like me?

I'm 21, have been driving since 16, never been pulled over, good grades. I just need the cheapest insurance out there so that I can register my car. Also, what is liability insurance? It sounds expensive...""

Do Dashboard Cameras lower your insurance rates?

Do Dashboard Cameras lower your insurance rates?

Homeowners insurance in Valrico FL?

I am interested in buying a home in Valrico FL. Particularly Diamond Hill, a golf course community. Great price, but we are new at buying and have no idea what insurance might be on this place.Just to factor it in for our monthly cost. It is a 3/2/2 1800 sq ft @ $110k. no pool. I mean were talking just a rough estimate, close figure something. Again we have not the slightest clue as to what it could be. Any advice is really appreciated.""

4 years after DUI... insurance?

so when i was 21 i got a dui (it's called an oui here in Maine, but same thing). PLEASE DONT JUDGE ME I KNOW I WAS YOUNG AND STUPID. anyway, i ended up selling my car to pay for the whole mess since my license was getting suspended anyway. since then i have been a happy bicycle commuter! now the time has come for me to become an adult woman again and get my license back because i have enrolled in a college that is not in biking distance. I have signed up, paid for, and in 2 weeks will be taking the DEEP class required by the state of Maine in order to be licensed again. basically i am curious about my insurance premiums. i haven't had my license for almost 4 years, but i have read online that your insurance will have to be sr22 and all expensive and whatnot for THREE years. also, i have since turned 25 and will be 26 soon, so i expect a rate decrease from that. i guess my question is: have i managed to bypass the higher insurance rates because it has been 4 years? if so, it almost seems too good to be true. i am highly suspicious. can anyone give me some insight as to what to expect when purchasing my insurance? thanks chums""

Mustang GT for a teen? insurance question?

When i graduate from highschool my dad is going to buy me a mustang GT 2005 and i was wondering if it was a good choice. when i go to college i am goin to hav a job so will i be able to afford a mustang insurance? How much will it run about (estimate). Thx in advance, ~Key key24~""

What are some good homeowner insurance companies in Louisiana area ?

i want to have different quotes from different companies ! but i don't know much about this.. by the way what is the average premium homeowner insurance in LA ?

Cheap car insurance for young people?

i just turned 15. ive gotten a few quotes and all of them are around 300 dollars a month. who should i get my insurance with and what type of car will make it the cheapest.? Please help.

Health insurance for individual?

Trying to find the best plan for myself. I am 30 yr old female self employed. I have an ok job right now so a high premium is not going to work. But I am fairly healthy and never really go to the doctor. I guess I need insurance for those what if moments that I hope never happen. Also I live in Pennsylvania. This is what I have found the HMO premiums are just too high but none have deductibles. The PPO plans all have deductibles but the premiums are lower. PPO Deductibles $2500 cost $188 a month,20% coinsurance $5000 cost $164 a month, 20% coinsurance PPO Advantage Deductibles $1500 - $142 a month, 20% coinsurance $2500 - $120 a month, 20 coinsurance Right now I'm leaning towards the lowest deductible advantage plan at 1500 @142 a month and a 3000 out of pocket max. It seems reasonable all the preventative care, primary and specialist are all copays w/out deductibles so say I never go tot he hospital I'm basically just paying a monthly premium and the copay. My issue is I have gone uninsured before and knock on wood nothing happened never even needed to use a cvs minute clinic. But as I approached 30 I realized maybe I should get health care for myself just in case. I do have the !500 set aside in an account that was supposed to be a splurge fund for vacation but now it may also just be a medical fund. Anyways, based on the above all co-pays are $30 and $50 for specialist. Do they sound reasonable?? Insurance is so hard to understand *sigh*""

Cost of car insurance for 46 year old?

Cost of car insurance for 46 year old?

What is a good website for getting non owner sr22 insurance?

Non owner sr22 insurance. I don't own a car and I do not have the time to make calls for insurance quotes. So I'm looking for a good website for getting cheap non owners sr22 insurance. Anybody knows someone? Thanks

How much is Allstate Car Insurance for and 18 year old in North Carolina?

Live in North Carolina have a Honda Accord

Good insurance for a small liquor store/market in Los angeles county?

I am looking for a good commercial insurance company for my newly purchased small liquor store/market in southern California. It's a tiny 850 sqft store. I am looking for one that is reputable & lower price. Anybody know? What kind of coverage should I get? approximate cost? best most helpful answer gets full points!

Cheap No fault insurance for 18 yr old?

Cheap No fault insurance for 18 yr old?

Insurance on a 1998 Toyota Camry 16 y/old about to be 17?

Ok so i need your help. I am 16 years old and about to be 17 im going back to the u.s. and have a old 1998 toyota camry waiting for me (btw yuck) ok and my parents said to drive this until my insurance lowers and theyll get me a new car by graduation which is next june. So my question is how much do you think my insurance will be? Its a fairly old car and not in a good condition and i have had 1 accident which was pretty big but not completly my fault like 60%

""If someone hits your car and you don't have insurance but you weren't driving it, will they still pay?""

If someone hits your car and you don't have insurance but you weren't driving it, will they still pay?""

Lowest insurance rates?

Lowest insurance rates?

""If you have or had a ninja 250 at 16-18, how much did your insurance cost and who where you with ?

Does the bundle up insurance on some companies actually save you money ?

How much will my car insurance go up?

I already pay $270 a month for car insurance for my truck. If I were to buy a 1992 Jeep Wrangler, how much more will it go up?""

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

How to go about getting car insurance?

I live in California and I am moving to Texas in June. Im 23 and I dont have a car currently but I will buy one when I move to Texas. I dont know how to go about getting car insurance, though. What is the process of getting car insurance? When should I get it? Before I buy the car? How do I get it (or where do I go)? Do I need to give the insurance companies any documents to get the car insurance? What do you recommend that I do right now? Thanks.""

How do I get a homeowners insurance for an LLC?

Me and a partner have an LLC under which we own the home we live in. We are now looking for a homeowners insurance but are having some difficulties finding one for an LLC. How do we go about this?

Allied car insurance coverage?

my 17 year old daughter wants to drive my car but i keep telling her that i have to add her to my insurance so if she did get into an accident the car would be covered. I went online looking for the policys that Allied car insurance had and i couldnt find the answer i was looking for... but i did some searching online and some other companies allow a person that lives within the household they would be covered, or i seen that some companies would provide coverage for new drivers and my daughter got her license about 3 months ago soo i suppose she is a new driver. The other thing i saw was that some companies put coverage only on the car but not the driver. So if anyone knows what Allied car insurance policy is, go ahead and post an answer for me, also please don't just post a link to their site and say well take a look for your self, I will be picking best answer. -Thanks""

How much does a car insurance agent earn per car insured?

what is the average earnings a car insurance agent earn per car insured? i am looking into the possibility of becoming a car insurance agent in the very near future.

How much will my insurance be every month?

I am 19 years old. I live in Lufkin, Texas, USA. I make around $24,000 a year. I have good credit and I am about to purchase a 2005 Honda Civic Coupe, 2-Door. The dealership says I need to have full coverage insurance on my new car, about how much am I looking at each month?""

Can I drive my uncle car but im under my grandmothers insurance?

I am under my grandmothers insurance and my uncle let me borrow one of his cars for a month. the car is under his insurance. if i was to get pulled over would i get into trouble for driving his car. all of his insurance information is in the car and his registration. and will i need to bring proof of me under my grandmothers insurance?

What is the best insurance for a new driver?

Im 18 and just got my license in october 2013. I bought a 1992 honda civic and I dont know what insurance is best for me. What do you guys suggest? I live in orange county, if that helps haha thanks!""

Does anyone know an insurance plan for health and dental?

I am in need of health insurance and dental and i a in between jobs does anyone out there know a decent affordable insurance company that offers help to people like me thank you in advance

Can i insure my car under my dads name?

so im an 18 year old boy right now i drive my dads old car under his insurance, and the registration is in his name, and thats all fine and everything. however my mom is renewing her drivers license soon (she had an accident that didnt allow her to drive for a few years) so my dad is giving her the mini van back and obviously, taking his car back. luckily, i have been anticipating this happening, as all good things must come to an end, and have saved up for a car of my own. i found one, and i went to get an insurance quote and found it was near $90 a month under my name. I put in the same coverage but with my dads information this time and got a quote of $30 a month for the same car. (because apparently 18 year old boys are dangerous drivers or something?) any way, what i am wondering is can i buy the car, and get it registered in my name, but have the insurance covered under my dads name? or should i just give my dad the money for the car and have him buy it and put it in his name and under his insurance but i just drive it, much like what we do now?""

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

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

What kind of insurance do I need?

I provide training workshops for colleges and the school I am currently doing work for asked me to send them a certificate of insurance. They said, they need this in order to process a purchase order. What kind of insurance do I need? I've never had to do this before? Is it general liability insurance? And generally, how much does it cost?""

Which Car Insurance is better for a teenager in Texas?

I'm 18 years old and trying to look for a cheap car insurance. I am at College seeking a job and the cheapest is Acceptable Insurance,110/month.""

Will my parents' insurance rates go up?

I recently got 2 traffic tickets (1 for speeding and 1 for disobeying a traffic control device). However, the car I am driving is registered under my parents' policy and I am not the primary driver for it. Will my parent's insurance rates go up because of this, or will this only affect my driving record?""

What is cheaper for insurance a red car or a black car?

What is cheaper for insurance a red car or a black car?

How much is Car Insurance in Korea?

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

How much would cheap car insurance be in california?

im 18 and its my first car whats a good estimate for cheap insurance

Car Insurance HELP ?!?!?

A couple weeks ago I was involved in an accident which was not my fault. The claim adjuster figured that it would cost 10k to fix my 03' VW Passat. The insurance ended up totaling the car because it cost more to fix it then it was worth. I was not finish making payments on the car. I was wondering if it's true that the insurance company will give me money to purcahse a new car even the last car was not finished in payments.

Motorcycle insurance for 18yr old first vehicle(sportbike)?

I am considering purchasing a 2007 Kawasaki ninja 250r. I was wondering how much insurance would be for me(18) if it was my first vehicle . I have no prior car insurance history. And I just got a motor license.

Best car for me (47 year old male)?

Best car for me (47 year old male)?

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

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

What does term life insurance cover?

does term life insruance cover any death. Like lets say there is an earthquake and the insured dies.. would the term insurance cover it? or does the insured have to die of old age?

I am looking for a good team name for an insurance agency.?

we are selling insurance products, estate planning and other financial products.""

""Car insurance, when does it drop?""

Im 19 years old, and payed $155 a month for my car insurance, a year later, no accidents tickets or anything and its $106. Definately not complaining, but i was just wondering if theres some sort of formula insurance companies use.. because i always thought when you turn 25 it goes down dramatically, but this for me is pretty dramatic. And also one year from now can i expect it to go down 50 more dollars?? thanks in advance""

When will we be required to have health insurance?

When will government make us buy insurance?

Home owners insurance?

I was wondering why insurance adjusters don't bring out in-fared while checking for home damage?? after all we pay for the insurance don't they have to look for the damage and have to be honest...

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

https://www.linkedin.com/pulse/how-much-i-need-pay-road-tax-all-insurances-motorbike-cleofa-escobedo"

[caredogstips]

Appear the scorch: why do we cherish chilli?

Its not just about the aroma or even the sorenes. In this extract from his new volume, Bob Holmes discloses the pharmacology and psychology behind humanitys heat-seeking desire

Ive been postponing. On my breakfast nook table I have lined up three hot pepper: one habanero, flame-orange and lantern-shaped; one skinny little Thai chicks gaze chilli; and one relatively innocuous jalapeo, ogling by comparison like a big light-green zeppelin. My mission, should I choose to accept, is to eat them.

In ordinary life, Im at least moderately fond of hot pepper. My fridge has three kinds of salsa, a bottle of sriracha, and a container of Szechuan hot bean glue, all of which I use regularly. But Im not extreme: I pick the whole peppers out of my Thai curries and adjust them aside uneaten. And Im a habanero maiden. Its honour as the most wonderful pepper you can easily find in the convenience store has me a little bit unnerved, so Ive never cooked with one, let alone ate it neat. Still, if Im going to write about hot pepper, I ought to have firsthand suffer at the high discontinue of the compas. Plus, Im curious, in a vaguely spectator-at-my-own-car-crash road.

When people talk about flavor, they are generally places great importance on savor and bouquet. But theres a third major flavour sense, as well, one thats often overlooked: the physical perceptions of signature, temperature and sting. The blaze of chilli peppers is the most familiar precedent here, but there are others. Wine mavens speak of a wine-coloureds mouthfeel, a hypothesi that includes the puckery astringency of tannins something tea drunks likewise notice and the fullness of quality that commits figure to a wine. Gum chewers and peppermint devotees recognise the sentiments of minty coolness they get from their confections. And everyone knows the fizzy burn of carbonated drinks.

None of these sensations is a matter of fragrance or flavour. In fact, our third primary flavor feel wings so far under our radar that even flavour wonks havent agreed on a single appoint for it. Sensory scientists are apt to refer to it as chemesthesis, somatosensation, or trigeminal feel, each of which covers a slightly different subset of the feel, and nothing of which intend much at all to the rest of the world. The common theme, though, is that all of these whizs are actually manifestations of our sense of touch, and theyre surprisingly crucial to our experience of smell. Feeling, smell, touch the flavour trinity.

Sensory scientists have known for decades that chilli burn is something different from smell and stench something more like suffering. But the real breakthrough in understanding chilli shine came in 1997, when pharmacologist David Julius and his colleagues at the University of California, San Francisco, eventually distinguished the receptor for capsaicin, the active ingredient in chilli heat. The chore demanded a lot of fortitude: Julius and his team took every gene active in sensory nerve cadres, which respond to capsaicin, and swapped them into cultured kidney cadres, which dont. Eventually, they found a gene capable of doing the kidney cells answer. The gene turned out to encoded a receptor eventually identified TRPV1, and enunciated trip-vee-one that is activated not just by capsaicin but likewise by dangerously red-hot temperatures. In other paroles, when you call a chilli pepper red-hot, thats not just an analogy as much as is your brain can tell, your opening really is being burned. Thats a experience , not a fragrance or flavor, and it delivers to the mentality through nerves that handle the sense of touch.

Like other touch receptors, TRPV1 receptors are received all over the inner layer of your scalp, where they warn you of shine peril from midsummer asphalt, cooking dishes straight-from-the-shoulder from the oven, and the like. But they can only gather up pepper scorch where the protective outer surface is thin enough to let capsaicin participate that is, in the mouth, sees, and a few other situates. This excuses the old Hungarian saying that good paprika flames twice.

Further measures showed that TRPV1 reacts not just to heat and capsaicin but to a variety of other hot meat, including black pepper and ginger. More lately, various more TRP receptors have turned up that open other food-related somatosensations. TRPA1, which Julius calls the wasabi receptor, causes the awarenes of hot from wasabi, horseradish and mustards, as well as onions, garlic and cinnamon. TRPA1 is also responsible for the back-of throat ignite that aficionados appreciate in their extra-virgin olive oil. A good petroleum extradites enough of a ignite to effect a catch in your throat and often a coughing. In knowledge, olive oil tasters charge petroleums as one-cough or two-cough petroleums, with the latter going a higher rating.( One intellect wasabi feels so different from olive oil is that the sulfur-containing substances in wasabi are volatile, so they deliver wasabis characteristic snout ten-strikes, while non-volatile olive oil merely ignites the throat. Olive oil are also welcome to prompt TRPV1 receptors to some extent .) Curiously, TRPA1 is also the hot receptor that rattlesnakes are sufficient to spot their prey on a dark night.

Chilli aficionados get moderately passionate about their pods, picking precisely the right various kinds of chilli for each application from the dozens available. The gap among chilli smorgasbords is partly a matter of smell and flavour: sometimes there sweeter, sometimes there fruitier, some have a dusky profundity to their feeling. But there are differences in the way they appear in your opening, too.

One difference is obvious: hot rank. Chilli experts step a chillis stage of scorch in Scoville heat units, a magnitude first descended by Wilbur Scoville, a pharmacist and pharmaceutical researcher, in 1912. Labor in Detroit, Scoville had the luminous plan that they are able to evaluate a peppers hotness by diluting its remove until tasters could no longer see the burn. The hotter the pepper was initially, the more youd have to dilute it to wash out the blaze. Pepper extract that are required to be diluted exactly tenfold to quench the hot tallies 10 Scoville work unit; a much hotter one that are required to be diluted one hundred thousandfold tallies 100,000 Scovilles.

Nowadays, investigates often avoid the need for expensive boards of tasters by evaluating the chillis capsaicin material instantly in the lab and altering that to Scoville groups. The more capsaicin, the hotter the chilli.

However you weigh it, chillies contradict widely in their heat degree. Anaheims and poblanos are quite mild, tip-off the scale at about 500 and 1,000 Scovilles, respectively. Jalapeos come in around 5,000, serranos about 15,000, cayennes about 40,000, Thai birds see chills near 100,000, and the habanero on my table somewhere between 100,000 and 300,000 Scovilles. From there, gallant minds can endeavour into the truly red-hot, topping out with the Carolina Reaper at a staggering 2.2 million Scovilles, which approaches the potency of police-grade pepper spray.

Many chilli foremen claim that a peppers hot is defined by more than merely intensity. If anyone would know about this it would probably be Paul Bosland, the director of the Chile Pepper Institute at New Mexico State University. As a weed breeder by commerce, he has a keen professional interest in all the minuscule details of how chilli hot distinguished from one cod to the next.

Bosland says he and his colleagues recognise four other components to chilli heat in addition to hot height. The first is how fast the heat starts. Most beings, when they pierce the habanero, it maybe takes 20 to 30 seconds before they experience the hot, whereas an Asian chilli is immediate, he articulates. Nippies likewise differ in how long the scorch lasts. Some, like jalapeos and many of the Asian smorgasbords, fade relatively quickly; others, like habaneros, may loiter for hours. Where the chilli stumbles you also runs. Often, with a jalapeo, its the tip-off of your tongue and lips, with New Mexico pod types its in the middle of the mouth, and with a habanero its at the back, responds Bosland. And fourth, Bosland and his gang is the difference between sharp and flat qualities of flame. Sharp is like rods protruding in your opening, while flat is just a paintbrush, he enunciates. New Mexico nippies tend to be flat while Asian ones tend to be sharp.

Its time to take the plunge. First up, the jalapeo. As youd expect from its comparatively wimpy position in the tabasco pepper abides, it imparts merely a mild incense, which builds gently and mostly at the figurehead of the mouth. Tackled with such a tame incense, I have spate of tending left to focus on its thick, crispy body and dessert, nearly bell-peppery flavour. The Thai birds-eye chilli, second on my register, is much smaller, and its flesh substantiates to be much thinner and tougher. Despite that, though, it almost immediately tells liberate a smash of heat that explodes to replenish my opening from front to back, establishing me gasp for breath. No gradual construct to this one its a sledgehammer blow. If I think hard, I might imagine that the chilli hot is a little bit sharper, pricklier, than the jalapeo. But I could just be fooling myself.

Finally, the one Ive been dreading, the habanero. I cut a tiny slice and start chewing. The first thing that strikes me is how different the aroma is. Instead of a vegetal, bell pepper flavour, the habanero gives me a often sweeter, fruitier impression thats astonishingly pleasant. For about 15 or 20 seconds, anyway and then, gradually but inexorably, the heat erects. And builds. And constructs, long after Ive swallowed the slice of pepper itself, until I cant think up much else besides the volley that crowds my lip. It surely hits farther back in the mouth than the Thai chilli, though theres a late-breaking flare-up on my tongue as well. The whole know lasts five or 10 instants, and even a good half hour afterwards its as though coals are gently sketched in my mouth.

Having set my lip afire, Id now like to quench the burn. Astonishingly, scientists cant give a whole lot of help in this regard. A cold suck certainly helps, because the coolness calms the heat-sensing TRPV1 receptors that capsaicin rouses. The only difficulty as youve without doubt find if youve is seeking to cope with a chilli flame this route is that the effects goes away in exactly a few seconds, as your lip returns to ordinary body temperature. Youve maybe heard, extremely, that carbohydrate and fatten facilitate douse the fire, but health researchers themselves arent entirely convinced.

The best event out there is probably cold, whole milk, reads John Hayes of the department of meat discipline at the University of Pennsylvania. The cold is going to help mask the ignite, the viscosity is going to mask the incense, and the fatty got to go pull the capsaicin off the receptor. When pressed, though, he notes that theres not a lot of data to back that up.

Making a meat more viscous has been shown to damp down flavor probably just because it furnishes a contesting sensation to confuse our tending, Hayes observes, but he cant think up any person who has experimented whether it also increases chilli scorch. And hes not entirely sure that sugar really helps, either. Im not convinced that it actually knocks the hot down, or whether it precisely prepares it more charming, he pronounces. Even the value of paunches or petroleums which sounds like they ought to help wash capsaicin, who the hell is fat soluble, off the receptors is in dispute. If youre feeling the ignite, enunciates Bruce Bryant of the Monell Chemical Senses Center in Philadelphia, the capsaicin have so far been probed your tissue, so a superficial gargle of whole milk or olive oil isnt able to help much.

Millions of parties actively seek out the sorenes of red-hot breezies as a word of gratification. The ignite features prominently in more than a few of “the worlds” great cuisines, with more than a quarter of “the worlds” person ingesting hot peppers daily. Britain spends 20 m yearly on hot sauce.

We dont take pleasure in eating food thats still searingly red-hot from the oven, even though that gives exactly the same superstar we get from nippies: same receptors, same nerves. We dont have decided to chemically ignite our tongues with strong battery-acids. So why do we happily, even eagerly, inflict hurting by breezies? Whatever the secret is, this appears to unique to humans. No other mammal on the planet has a similar taste for chillies.( Chick eat them enthusiastically, but only because they lack receptors that respond to capsaicin. To a parakeet, the most wonderful habanero is as bland as a bell pepper .)

One possible explanation is that chilli lovers simply dont find the anguish as intensely as those who shun hot peppers. In the laboratories, its surely true that people who are repeatedly exposed to capsaicin become less sensitive to it. Genetics may play some place, extremely. Surveys of identical twins( who share all their genes) and dizygotic twin( who share only half) suggest that genes account for 18 -5 8% of our liking for chilli peppers. Some parties may have most sensitive TRPV1 receptors, for example though Hayes, whos looking into who are currently, says: The jury is truly still out on whether there is meaningful TRPV1 variation.

Its abundantly clear, though, that chilli lovers arent immune to the ache. Just request one. I like it so all my holes open up and weepings are rolling down my appearance, does Hayes. But with two young children in the house, I dont get that quite often. For now, Hayes becomes do with a handy bottle of sriracha hot sauce. My children refer to it as Daddys ketchup, he says.

Its clear from listening to Hayes that he and probably most other chilli eaters actively enjoys the suffering. That inconsistency has attracted the attention of psychologists for several decades now. Back in the 1980 s, psychologist and pioneering chilli researcher Paul Rozin of the University of Pennsylvania proposed that chilli eating is a figure of benign masochism, like watching a unnerving movie or journeying a roller coaster. After all, most forms of anguish are admonishes of imminent impairment. That roasted potato still steaming from the oven is red-hot enough to kill the cadres rowing your mouth, potentially making permanent detriment. But chilli burn except at its uppermost, million-Scoville extreme is a false alarm: a route to get the excite of living on the edge without the risk of disclosing yourself to real danger.

A few years thereafter, Hayes and his student Nadia Byrnes( perhaps the best reputation ever for a tabasco pepper researcher) took Rozins ball and ran with it. If chilli presidents are looking for stimulates, Byrnes and Hayes reasoned, youd expect them to have sensation-seeking temperaments. And, for sure, when they came to the enormous arsenal of tests that psychologists have developed to measure facets of personality, they discovered several measures of hotshot searching, of which the most recent and best was the Arnett Inventory of Sensation Seeking. Then they set out to see whether chilli lovers really do pray excitement.

When Byrnes and Hayes measured roughly 250 voluntaries, they found that chilli lovers were indeed more likely to be agitation seekers than people who shunned chills. And its not only that perception seekers approach all of life with more gusto the effect was specific to nippies. When it is necessary to more boring foods like candy floss, hot dog or skimmed milk, the awarenes seekers were no more likely to partake than their more timid confreres.

Chilli eaters also tended to tally higher on another aspect of personality called sense to reinforce, which quantifies how drawn we are to praise, tending and other external reinforcement. And when health researchers appeared more closely, an interesting pattern developed: superstar searching was the best predictor of chilli eating in ladies, while in souls, sensibility to reward was the very best predictor.

Hayes thinks thats because machismo play-acts a role in the chilli eating of men, but not dames. For women, theres no social status to being able to eat the hottest chilli pepper, while for men there is, he theorizes. Without the heavy hand of machismo on the scale of assessments, womens chilli eating is more strongly governed by their internal drive for excitement.

Incidentally, while chilli lovers laud the charge they get from a spicy bowl, and sometimes claim the peppers wake up their palate to other tones, youll often hear chilli-averse parties complain that the incense keeps them from enjoying other feelings in their banquet. Which is it? The affair has received surprisingly little science studies, but the bottom line seems to be that if capsaicin obstructs other aromas, the effect is small-minded. Most likely, when people complain that they cant experience as well after a spicy sip, its predominantly because theyre paying so much attention to the unfamiliar blaze that the other tones move for the purposes of the radar. In other words, its not red-hot but too hot that intervenes with the happiness of feeling and the threshold where red-hot becomes too hot is a very personal one.

Removed from Flavour: A Users Guide to Our Most Forgotten Feel by Bob Holmes( Ebury Press, 20 ). To prescribe a facsimile for 17, going to see bookshop.theguardian.com or call 0330 333 6846. Free UK p& p over 10, online tells exclusively. Phone orderings min. p& p of 1.99.

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