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madamsixx · 5 years ago

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Beyond The Leather:

Chapter 8: Nikki Annoying Sixx

February 20, 1985

Six New messages

Hey Mani its Nikki, sorry about yesterday I didnt mean to speak to you like that. You just get under my skin somtimes. Well call me back I'd like to see you.

Beep : Message Deleted

Sooooo I'm calling again to check up on you. You haven't called me back. Call me back.

Beep: Message Deleted

Mani your really fucking pissing me off ok call me back. By the way I'm learning how to cook for you. Well actually us. The things I do for you.

Beep: Message Deleted

Hey princess I'm sorry ok, just talk to me. Were having alot of fun in the studio. Tommy wants you to come by. Plus you should try the food I made.

Beep: Message Deleted

Princess please call me back. Stop fucking ignoring me. Your making me angry.

Beep: Message Deleted

Mani I miss you. Please call me.

Beep: Message Deleted

That was the last messege I listened to before ripping the phone cord out. I have been ignoring him since the last time I saw him. Nikki was into drugs and that wasn't my life. I'm a respectable girl who comes from a respectable family and my mom would throw a fit if she ever found out I was hanging out with someone like Nikki sixx. He will just have to get over us being friends. Anyways, Tamara came back scolding me on my outfit for the Joan Rivers interview. She said I looked awful that made me laugh actually. Theresa was fired right away because of what happened, but also because she was doing drugs. I was now on a very tight leash. Especially because I got the part for the movie. And after my birthday in September, I will no longer be doing teen magazines. I will be featured on the cover of the biggest magazines.

"Hey honey soooo theres two things, one in March you will be on the cover of Sports Illustrated Magazine and two you have an interview with Barbara Walter's." Tamara shouted and I jumped up screaming. "She is sooo excited to meet you." I ran and hugged her this was exciting. I couldn't wait to tell my mom. I was heading home for a couple of weeks. "Um why did you unplug the phone cord missy?" Tamara ask with one hand on her hip and the other holding the cord.

"Oh uh I tripped over the cord by accident sorry. Haha clumsy me." I lied. ______

I spent the evening until night shopping. I started to realize I was a shopaholic when I constantly kept going out to buy new clothes, jewellery, heels, and hand bags. I was really into fashion and mixing cloths together. I was also into cosmetics like really into it. Maybe down the line I'll venture into business, but for now its acting and modeling.

I was inside a shop and saw this really cute handbag. I mean I had several but why not get one more. I purchased it, and I'm not going to tell you the price. I headed out of the store and got into my limo. Can you beleive it, I'm in a limo.

When I reached back at the condo. My chauffeur helped me get my bags out and carry them upstairs. "Thank you Daniel." I say while giving him 100. "No problem Miss Darlington." He took it and left. I saw a note by the table.

Went to office be back later- Tammi.

Well I'll show her what I bought when she gets back. I was so excited to start trying on my new clothing. And everything else with it. This was the life that I never thought I could have. I bought some stuff for my sisters, my mom, and aunts and uncles. They will really love them. I sheded down into my bra and panties taking off cloths and trying new ones. I put on these nice thigh high boots that could be worn in the winter time. After all I am going home for a couple of weeks. And its snowing in Canada. With a cute black romper. I heard a knock on the door and ran to go and get it. "Coming!" I yelled. I opened it up with out even looking through the peek hole, stupid me.

And saw none other then Nikki annoying Sixx, and he did not look happy. I tried to shut it right away but he put his arm between the door and was pushing back.

"Mani please just let me in." He says while he's forcefully trying to get in.

"Nikki go away!" I say pushing back.

With a big push. Nikki forces the door open and the impact sends me flying and hitting the ground with a thud.

"Oh shit I'm sorry." He laughs.

"It's not funny my butt cheek is hurting you ass!" I yell at him.

"Tsk tsk tsk I thought you didn't swear princess." He smirks.

God he is truly annoying.

"C'mere doll let me help you up." He wobbles towards me almost loosing his footing. He was drunk and probably high.

"Your drunk Nikki, you need to leave Tamara is downstairs." I lied.

"I'm drunk and high." He smirks. "And no shes not."

"And how do you know?" I asked furrowing my brows.

"Because I saw her leave and shes going to be gone for a while." He smiles walking towards my shopping bags.

"So you camped outside the condo until she left?" I asked walking behind him.

"No I camped on the 5th floor in some random chicks place. She let me come in with her." He says while pulling cloths out of the bags.

What the hell is wrong with this guy. I mean really!

"Nikki why are you hear?" I demanded.

"Im here because your ignoring my fucking phone calls. I've left you several fucking messages and your not returning them!" He shouted as he got in my face. I could smell the alcohol on his breath.

"Well of course I'm ignoring your calls. And now that you know one hundred percent that I am, you can go back to the 5th girls place or get out!" I yelled motioning towards the door.

Nikki smiled then walked towards the couch and sat down he kicked his feet up on the table like he was at home and put his hands behind his head. "I drove here. Your not really gonna kick a drunk and high guy out of your home to go driving on the streets now will you?"

I can't believe this guy. I was seething with anger. How dare he use something that happened to Vince to stay over here. "Nikki that is a really awful thing to say, that's not a joke. I want you out right now." I say with a stern voice.

"No." He sneered. He kicked his shoes off then grabbed the TV remote turned it on then changed it to MTV.

I had enough of this guy. I decided to just call security and have them deal with him. I took off my boots then walked towards the phone picking it up to dial security. Next thing I know Nikki is charging at me grabbing the phone from my hand.

"Nikki stop it!" I yelled trying to grab the phone back.

"Just calm the fuck down Iman!" He shouted in my face. I then slapped him across the face. Something I wish I didnt do because at that point Nikki saw red. He then picked me up over his shoulders with me kicking and screaming. And walked towards my room.

"Put me down now you jerk!" I yelled.

He then threw me on the bed pinning my arms over my head. "Calm the fuck down!" He yelled

"No!" I yelled back struggling to get out of his grip. He then leaned closer to my face. Making me smell the whisky on his breath. His lips brushed against mine and he whispered with a very low voice. "Calm down princess." He bit his lips and I started breathing hard. He slowly used his legs to spread my legs open and settled in between them. I felt how hard he was through his pants.

"Your so fucking beautiful." He whispered and used his thumb to graze my bottom lip.

Nikki was dangerous. He was dangerous because he was good looking. He has a baby face, beautiful eyes, beautiful hair he's a bad boy, and he's in the biggest rock band there is. Girls love him and would fall for him so easily with out even realizing that he has a lot of problems. Drugs were his number one problem. And as long as he was doing drugs, he would always have problems.

"But I'm young Nik, and you do drugs." I say struggling to sit up and move him up off of me.

"I know princess." He moved to the side of my bed and sat with his back against the head board. He sat there in silence thinking for a bit.

"Iman I'm back, oh my God what is this mess in the living room?" I heard Tamara come in. My eyes nearly popped out of my head. "Nikki stay silent please or so help me God." I whispered to him. "Ok princess." He chuckled.

I ran out of the room with my heart eating ten time fast.

"Hey Tammi sorry I went shopping." I started picking up the bags off the ground.

"Yeah I can see that." Her eyes went wide.

"What is it with you and this phone." She picks the receiver up and puts it back.

"Sorry I was calling some of my friends." I turn over and notice Nikki's boots on the living room carpet. I slowly move towards the carpet to grab the boots.

"Honey can you grab me a drink please I'm very exhausted." Tamara asks as she walks towards the living room couch to sit down. My heart was racing u was praying that she wouldnt see those cowboy boots just lying there on the carpet. She would know for sure that someone was here. "Um sure." I walked to the kitchen and poured her some cranberry juice than brought it back to her. I grabbed one of the shopping bags and knelt down by the table and picked up the boots and put them in. "Alright I'm going to bed." I started running.

"Um hello excuse me take the rest of these bags to your room. Your making this place look like a garbage dump full of bags!" She yelled. I ran back and packed the rest of the things I bought including my boots that I kicked off. "Goodnight Tami." I hugged and kissed her. "Goodnight sweety." She kissed back. I got into the room and let out a long sigh. I looked over at Nikki who took off his blue and gold jacket and threw it on the floor and was comfortably sleeping on my bed. I crawled on my bed and shook him. "Nikki." I whispered "Nikki you have to go once Tamara goes to bed."

"Mmmm no." He says snuggling into my pillow. Well what more could I do I guess he's spending the night. I got up and turned the light off then grabbed shorts and a tank top and changed into them. I got into my bed and layed beside him and just stared at him. I starting to caress his cheek all the way to his jaw and he squirmed a bit. He then opened his beautiful green eyes and looked at me.

"Can you promise me something princess?" he whispered

"promise you what?" I whispered back.

"Promise me that when you come of age and I get my shit together that you'll be my girl. That you'll be mine and only mine?" I nodded with a smile. "No I need to hear you say it so I know there's hope." "I promise to be yours Nikki." I smiled. He leaned over and kissed the top of my head then pulled me closer to him. I snuggled tight agaisnt him and we went to sleep in each others arms.

The next day I woke up, and my eyes went wide when I realized Nikki was still in my bed. I dont know if he snores alot in his sleep when he's not drunk. But he certainly snored alot last night. I barely slept. I turned over to look at him. He looked like an angel. His messy hair was all over my pillows. I didn't want to wake him, but I know I had to. I nugded him to wake him up a bit. But he didn't even move. So then I decided after what he he did yesterday by making me hurt my butt cheek when I fell, payback seemed fair. I lifted myself into sitting position on the bed with my feet on his torso and my hands positioned behind me to give me a good balance. I pulled my legs towards me then gave him one big kick off the bed. He rolled off hitting his body on the ground and his head on the small dresser beside my bed. Woops!

"Ow you bitch, what the fuck!" He shouted on the ground. Where I couldn't see him.

"Hahahahahaha pay back hurts dosen't it."

"Fuck you."

"Now now Mr.Sixx no swearing." I chuckled.

He got up and climbed back onto the bed sitting and holding his head.

"You snore a lot."

"So I'm told." He looked at me with a smile.

"You have to go Nik."

"So your not even gonna make me breakfast. What kind of girl doesn't make breakfast for her man when he spends a night." He moves closer to me and I push away. "First off I would never make you breakfast especially when your capable of doing it your self. And second I'm not your girl." I say pointing to myself.

"Yet." Nikki says with a full on smile plastered on his face.

"I gotta use your washroom to piss. And where are my boots?" He asks getting off the bed scratching his untamed hair. I got off the bed and grabbed the plastic bag I put them in and gave them to him. He grabbed them and put them on.

"Look Nik pee in your pants or pee outside but you need to go now before Tammi catches you." I pleaded.

"Alright fine fine." He picks up his jacket and walks towards the door.

"Wait let me check first." I poke my head out to see if the coast is clear. And then signal him to come. I push him out the door fast, then run to the kitchen to grab the garbage.

"What's the garbage for, it's not even full?" He asks.

"I'm pretending like I'm throwing it away." I start giggling because he's looking at me like I'm a little devil.

"Oh babe you and me are gonna get along just fine." He says as he puts his arm around me to start walking. "So can I see you later on?"

"Sure, I'm heading back to Canada for a couple of weeks tomorrow. And I wont be back till March 11. Cause I have a photo shoot with Sports Illustrated Magazine on the 12 in the morning."

"Wow, so I need to take you somewhere special. That way you'll think of me while your away." We stopped by the elevator and he turned me to face him. Nikki could make a girls knees buckle in a second that's how good looking he was. But I kept trying to remind my self that he was no good. He could never be the man I would want him to be. But then again he did ask me to keep that promise. And he did say when he gets his "ish" together. So who knows.

"Um so I'll pick you up later?" He scratches his head and looks down at his shoes.

"Ok." I smile.

He pushes the elevator button and it comes up. We wave each other good bye. I'm not sure what this is between Nikki and I. But what ever it is, he's got me thinking about him more. A lot more. _________

I sat waiting for Nikki. He had called to say he was going to come at 3:30. It was now 4:26. I started pacing around my room. When ever I would hear the phone ring I would run to it hoping that it was him but then get disappointed when it wasn't. I started thinking about last night. What me and Nikki talked about, I did really like him. But I dont like the whole groupies, drugs, and bad boy stuff. If I was to have any future with him a lot would have to change. But also I'm still young so for me to even be thinking about these things is weird. I should be thinking about chilling with friends, sleepovers, and gossiping. But I wasn't, I didnt have any friends here in LA. Maybe that's why when ever Nikki would come around I would tag along with him. Cause the truth is I felt lonely. Nikki isn't good for me but he's the only one I have to talk to, besides Tamara. And shes always working. I had Theresa as well, but because she was fired I have no idea where she is and if she would even talk to me.

4:40 pm

I called Nikki's number again and there was no answer.

5:30 pm

Tamara called she said she would be coming back late. I hope Nikki calls.

6:15 pm

Nikki called and apologized. At least he did call. He said he'll be here by 6:30 so thats great. It means he didn't forget about me.

9:00 pm

I sat in front of the TV blankly staring at it. I couldn't tell you what was on cause I didn't really care. I just heard noises. Yelling, screaming, and someone saying please dont kill me. I sat there for another 10 minutes and then turned the TV off and went to bed. Nikki wasn't coming.

#nikki sixx #tommy lee #mick mars #vince neil #motley crue

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msnikkimoneypenny · 6 years ago

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Okay I got some imagines in my head. But not a fanfiction writer. So if any of this inspires you to make a story on AO3 bless you.

Imagine Rio and Beth have started a relationship while in the midst of their work partnership. Emma plays with Marcus a lot and for the most part they are getting serious. Then an old flame pops up in Rio's life with a child he never knew about. How will this affect Brio?

Imagine Beth as a newly single woman discovering herself and trying to date. She personally decided even though she has a thing for Rio. It's best to avoid before she falls to deep and gets hurt. So her girls talk her into checking the scene. Learn how to play the game. She meets some guys. No one suburban or like Dean. Working class, hardworking, humbled.....one guy has a mechanic tire shop in Annie's neighborhood, and another guy is a soldier who just got back from overseas, she met via Stan and Ruby. Meanwhile Rio just observes. Will he ever make his move?

Beth knew she was in trouble but she had no idea how bad it was until she walked into her bedroom and saw the cock ring, handcuffs, hitachi and paddle. FUCK! Rio was gonna make sure she was in for a long night of punishment.

Beth changes her hair color to red. New me new do. The children love it. Dean hates it. Ruby and Annie love it. What does Rio think?

Rio and Beth decide to live together. They have already decided to redecorate the house to make it feel more like Rio's home. But not change everything so the kids can still have memories of their dad in the house. The bedroom definitely is redecorated starting with a new bed. However it isnt as easy as one would think. Plenty of crime families live in the suburbs and blend right in. How does Rio adapt and fit in to his new neighborhood?

Imagine Beth making future arrangements with Rio that she wont be able to make any drops for a couple of days. She has even conceded to take that loss of pay and let him take 100 percent for those days. So when the time comes, Rio stops by the dealership to talk with Beth however she isn't there. Sources tell him Beth isnt home either. Beth is no where to be found. So when Rio catches up to Annie to inquire about her sister, turns out Beth and Ruby have left town to go to an old high school friend's funeral. And will be back in a couple of days. This leaves a strange feeling in Rio. For one she isnt instantly accessible as normal. She is a couple of states away from him. Also why wouldnt she have told him? In this life he has seen his fair share of deaths. He wouldve understood. Thought they were partners after all.

Is his shit weak? Usually women beg for another taste of him in the bed. Single or not, the ladies always wanted seconds and thirds. But for Rio he got nothing. All she did was looked at him and he followed that woman to the bathroom. Rio made kind of advances afterwards and she still rejected was the sex bad in her eyes? It was good to him. Very very good. First she keeps me and our romp a secret. Now she acts like secret hookups is even off of that table. Wtf? Maybe a conversation with Annie will give a clue such as her mentioning in passing what they saw in the parking lot.

#brio #good girls nbc #nbc good girls

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lazytacomoon-blog · 7 years ago

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Affordable health insurance 4 someone with prexisting conditions? I have no kids and in a low income household

"Affordable health insurance 4 someone with prexisting conditions? I have no kids and in a low income household

I NEED MEDICAL INSURANCE! I have recurrent urinary tract infections that are often resistant to antibiotics. I have Kidney stones as well, had a Kidney infection and when I was hospitalized they urged me to see a specialist but I CANNOT AFFORD a specialist! A social worker in the hospital said that I shouldn't even bother applying for medicaid because I don't have children so applying would likely be a waste of time. I am unemployed at this time due to several psychological issues I will not get into. Medication is too expensive. I need medication in order to be mentally balanced. I started taking Valium & Adderall and both help me feel sane. The only problem is I don't know how much longer I can even afford it!! Anti biotics are so costly as well! I have a family history of cervical Cancer and I NEED to see a gynecologist for a pap test but cannot afford it! I need dental insurance cause I have cavities but can't afford that either! I feel hopeless! Can someone give me some hope?

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When I wiped out on my bike I tried to make a claim after I got home from the hospital. Little did I know that my insurance coverage had ended two days before the accident. Now my question is, will my health insurance pay for my medical bills from the accident or will they deny me because of my lack of motorcycle insurance at the time of the accident? When I found out about my lack of coverage, I immediately paid and got up to date but they told me that those two days when my coverage ended will not be covered... am I gonna get hit with all the medical bills? Or will my health insurance step up and cover me?""

Car insurance with low down paymnet?

i am a nj driver. i have 2 tickets on my driving record (from 2 yrs ago but most insurance companies look at a time span between 3-5 yrs) plus i am under 25. so naturally when i look for car insurance rates they are HIGH. i went to geico, progressive, allstate, and about what seems like a hundred others and they all want to charge me $200-300 dollars a MONTH. (my car isen't a benz or BMW it's a honda civic for crying out loud!) i finally found car insurance at CURE and it's only about $90 a month, but they want a down payment of $263. Is there any insurance company that doesn't expect such a large down payment?""

Cars with cheap insurance?

I am 17 and hold a full UK provisional license. I am having driving lessons. I'm just wondering of any cars with cheap insurance for when I pass my test as I'll be getting a car for my birthday in October. I am a girl so no boy racing cars

Can you answer this about Allstate Insurance commericals ?

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

Car insurance question ?

I am 17 years old and I recently got my driver's license. Our family's cars are covered under AAA's insurance policies. I want to know if I have automatically been put under our cars' insurance policies, and if I can drive my mom's car under her name (without her in the car) thanks""

How to insure my used car auto dealership?

I just founded my own used car dealership and I was wondering what kind of insurance I need to cover it. I understand that I will need general liability of course, but I also heard a lot about blanket coverages. If anyone can help if you can give me just an overview of what kind of insurance I need I would highly appreciate it. And also what are some carriers that would insure me? Thanks!""

How much is motorcycle insurance?

For an 18 year old male with a streetbike, how much would insurance cost. I am just looking for a range because I plan to get a bike in the future and want to be prepared.""

Does Medicare or Health insurance work in other states?

If i lived In............. Rhode Island would my health insurance work in another state like Massachusetts.

Do I need renters insurance?

I've had renters insurance for the past 2 years. The new place I'm at now is not under my name. But I do pay some of the rent to the the person I'm living with (whose name is on lease). Someone told me today that renters insurance is no good and doesn't cover anything if my name is not on the lease. Is this true?

I want to by a nissan s-cargo does anyone know anything about them or what the insurance cost is?

http://www.carfolio.com/specifications/models/car/?car=131516&Nissan-quote Nissan s-cargo this is the site for my car and I love it just curious what the insurance will before I make a offer and would like to hear opinions and stories about them.

What are car insurance bonds?

""USA, health insurance. when you are 56 & cannot afford health insurance, is that a death sentence?""

doctors & hospitals in the US will not help unless you have insurance. so if i have cancer or any sickness, am I left to die.?""

""I'm 15, pregnant, and have NO insurance?""

I don't qualify for medicare. My parents make to much, can anyone give me any ideas of what I can do for insurance? Please, No hateful comments. I'm really being serious here.""

I am 19 and i need to get my wisdom teeth taken out asap! but i don't have dental insurance?

I had healthy families insurance but since i turned 19, it got canceled. I'm a student at ucla and i have health insurance but no dental plan and recently my wisdom teeth have been a nightmare. Does anyone know an affordable dental insurance that help me out in this situation? Thank you so much for the help!""

Affordable car insurance/ college student. please answer =]?

hey everyone! i am looking for some car insurance! like... the most affordable i can find... for a 98 nissan. i am 18 years old, no accidents or tickets. and im a broke college student soooooo the cheaper the better, and just liability is fine. any suggestions? good/bad experiences? thank you!!""

What R some other ways I can to lower my insurance rate?

""Live in NJ, bringing car to school in FL, question about car insurance?""

I am looking to bring my car from NJ (where i'm a resident) to school with me in Florida, and I need some help: My father is freaking out because he thinks the car insurance will go WAY UP. Does anyone know how this works? Am i allowed to ship my car down there and not tell me insurance at all? Just like bringing it on a mini vacation lol. Remember, I'm not a resident of Florida. Any answers?!""

""If I have no car or house, do i still have to pay taxes and insurance?""

When I'm 18, i will use the bus and an apartment in Miami do i sitll have to pay any type of taxes? (besides the money taken from my paycheck at work) Also, is the only insurance i have to pay is life insurance and health insurance? How much will those cost me?""

My freind is driving with out car insurance. Is this ok?

A freind of mine, 23yrs old, has just bought a $1000 car to get herself around from work and school. She lives alone with her sister, who is 25 and grandmother and has told me that she needs this car badly but can not afford to pay car insurance. I've been told that she can go to jail and loose her lisence. What can be done to help her out? She lives in florida USA.""

How much can Insurer charge me to SALVAGE my OWN CAR?!?!?!?

Some background first, i was hit from behind whilst stationary in traffic the other week by a works van. the damage was not too sever that i couldn't limp back home (sore and car bashed but still alive) got the other drivers details at the scene and reported the incident to my insurance company. As the accident was not my fault my insurer passed this to their dedicated Non-Fault (NF) accident claim company (i'll not name them at the moment) who in turn provided me with a hire car and collected my car to have it assessed for REPAIR. At no point was writing off the car mentioned. Then i got a call from the garage dealing with my car (NF appointed) a week later telling me of the damage and repair value and that the engineers working for the NF, different company again, were going to deem the car a write off, CAT D as i later found out. Now the fun part - the engineers have made an offer for settlement and to write off of my car, which is a good 500 below what is would cost to replace it with a like-for-like car in my local area (replace cost circa 2.8k-3k) they are adamant they will not repair my car even though the repairs would cost LESS than the write off - because the repair is too close to the market value and they can make a killing on salvage apparently. so fighting this out at the moment. NOW FOR THE QUESTION: They have advised me that should i wish to keep the car after they write it off (which i want to avoid if at all possible) i can accept the settlement and pay them a salvage fee to retain my car. This i understand as technically they buy my car when they write it off and then i have to buy it back. The problem is that they have a flat 30% !!! salvage fee which on their offer would almost negate me being able to get the repairs covered. What i really need to know is if anyone else has been in this position and if there is a maximum salvage fee they can charge - bearing in mind that this is my car to start with - and if there is any way i can make them drop this percentage. Forcing them to drop the percentage might not only let me repair the car after retaining but might also swing in favour of repair instead of write off if they cannot justify such a big payout for themselves. Any help here would be appreciated fast as i'm still bouncing between the parties here to get this resolved. In case your wondering the damage constitutes a bumper rear panel and a kink in the boot floor - VERY repairable.""

How much should i save up for insurance for a car?

Okay so i have a job i work at the airport.Note:Im only 16,turning 17 in December I will be getting my licensein July.And my brother is going to give me his car in 8 more months.But he told me i have to save up for insurance and gas.So how much do you guys i should be putting into my savings account to save up for insurance and gas bills?I get paid every 2 weeks if that helps thanks""

DO YOU NEED AUTO INSURANCE TO DRIVE YOUR CAR?

I'm planning on getting myself a new car- a 2012 Dodge Challenger RT model. I'm on a tight budget and I only have enough money for a down payment and monthly payments on the Challenger, (if I decide to purchase it). My problem is I don't have enough money for auto insurance and I am not joining with anyone in my family to be placed on auto insurance. I want auto insurance for myself and signed to my name only. Since I do not enough money for auto insurance, can I still get a car without auto insurance? And can I still drive the Dodge Challenger without auto insurance if I decide to purchase the car? Can someone answer this for me? Thank you! I really appreciate it.""

Can a tourist in New jersey buy a car and get an insurance?

My I-94 is valid till Feb 2013, and I wanna buy a car. Can I register it by my name in DMV and get an insurance? I know friends in other states did that (California, Indiana...etc) but I am not sure what about New Jersey""

Affordable health insurance 4 someone with prexisting conditions? I have no kids and in a low income household

What is the best car insurance provider for young drivers?

I have recently passed my driving test, and was wondering which car insurance provider is cheapest as most of them seem to be very expensive!""

""If you crashed your car into someones, how much would insurance pay out?""

Assuming the cost is 18,000, most of it being for injuries the other party claims to have (<1000 bucks in damage). How much would insurance pay and how much would i have to pay? No damage to my own car. No need for insurance after this because I dont think im going to drive again after hearing the cost.""

Health insurance in CA?

I'm a college student thinking of getting health insurance that is affordable. What health insurance should I get? And what's the cost of the insurance per month? Thank you

Health Insurance in California - Low Income?

I am on Unemployment Insurance, and need to see a doctor. Is there a State or County Medical benefits?""

What is proof of insurance?

I am still on my parents insurance and was planning on renting a car(yes, I' am old enough). They require proof of insurance when renting and I was wondering how that works. Do I just show them my parents proof? And is it just the paper work in the glove box of one of our cars?""

What exactly is covered when you have full coverage auto insurance?

I have both collision and comprehensive insurance on my car..as i was backing into my driveway I got a little too close and hit the wall..my back fender is scratched pretty bad...is this covered by my insurance company

I wanted to know how comes my insurance is so cheap now but when i did it 7 moths ago it was 2800?

so 7 months ago i got my insurance third party fire and theft with 2 additional drivers me as first driver and i am 20 for 2800,, and now i checked with the same details i did last time i didnt put down any experience or anything did it same exactly as last time and its about 1950 now ??? wth did i get ripped off? car is a vuaxhall corsa 2000 model""

How much does type of car vary the insurance rate?

I am 18 and am going to be licensed in about a month or so. I am thinking about buying a first car but I'm just wondering out of curiousity, how much would insuring a 2002 BMW cost more than let's say...a 2002-2004 Honda Civic? I'm looking at the civic but if they are in the same price range, I would rather buy the BMW. Yes, I know about the Honda gets 50 mpg and BMW will cost more to maintain, etc, etc but I'm just wondering, would BMW insurance cost a lot more for a old model?""

Needing to find insurance/medicade/health care that will help a old man with cancer that dosent have any..?

my moms trying to help him by getting him on her health insurance, but it looks like the only way to do that is by mariage and she really doesnt want to marry the guy. looking for ...show more""

What company provides a life insurance quoting engine software to install in an insurance agency website?

I need a software where I can input one (or more) life insurance company rates. Preferably if I have the freedom to input any company and not pre-packaged ones. Thanks.

Does comprehensive insurance cover damage to my car if i wasnt driving the car?

My friend(who is not listed as a driver under my insurance) was driving my car when the passenger front tire fell off.There was damage to the right front of the car.Will my comprehensive insurance cover my claim.

Question about health insurance?

My fiance got a job that has health benefits but I dont have health benefits, so how can I get onto my fiance health insurance and how much would it cost??....""

Reducing car insurance for young drivers?

I have an idea of how to reduce my insurance for young drivers like myself, and it goes like this, I buy a motorcycle for about 10 to nothing(it could be broken I don't care), with this motorcycle I insure it for about 100, because insuring a motorcycle is a lot cheaper than insuring a car, then for a year I have no claims with this motorcycle, would this then reduce the cost of my insurance premium for a car?""

How do insurance companies categorize cars?

How do they determine which cars is going to cost more than others... Which factor of a car means you're going to have to pay 1000 more than another... And why so expensive? After a while surely you've paid more than the cars worth?

Im 17 ... CAR INSURANCE?

Hey i was wondering if anyone could direct me to somewhere where I could calculate my insurance cost without actually buying insurance from them.. you know.. like just to get an estimate.. Just an FYI im in the process of buying a 1985 chevy corvette... and im a single 17 year old male.. i know.. its the worst possible combination for insurance. Thanks!

What doctors or insurance that accepts MEDI-CAL CARE IN CALIFORNIA?

I LIVE IN SF IN THE BAY AREA, ANY DOCTORS OR INSURANCE THAT CAN TAKE THIS?""

SR22 Insurance?

My 22 yr old sons car was repossessed. He cancelled his car insurance policy since he no longer owns a car. He was required to carry an SR22 because of a bad driving record. The California DMV will suspend his license if he does not have proof of car insurance. Hes not driving and plans to not own a vehicle for the next 6 months. How does he meet the California DMV requirements without purchasing a car insurance policy? Also, if were able to get an older vehicle and get liability insurance only on it and add the SR22 can it satisfy the California DMV? My son is desperately trying to clean up his driving record too. Even if literally purchases an older vehicle and never drives it just to meet his DMV requirement. Will his past actions of too many tickets and accidents ever stop haunting him? Finally, his car was stolen in mid 2013. The car was reported stolen and it was eventually recovered and the insurance did repair significant damages does this also count against his driving record? The damage to the vehicle all occurred after it was stolen. I'm sorry I have so many questions I'm just at a loss. I need to get him back on his feet within a year but I need to know he will be able to drive too. He realizes now he messed up. He's got a great job and makes good money but I want to make sure that these past mistakes do not haunt him forever. The good news is there are no DUI's or reckless driving. Thanks for any help!""

What cars are cheap to insure for 18 year old?

I've just passed my test and I'm trying to find cheaper insurance, I'm not bothered what car as long as it's not expensive. The black box isn't suitable for me please don't suggest that. The other thing is, what insurance company is good""

Fronting car insurance?

I made a separate thread about me being a second driver but owning the vehicle,i wont actually be using the vehicle as much as the main driver,Hence me being the second driver.The answers i got back were You're fronting and its fraud blablabla . Is it fronting if i am a second driver but own the vehicle?Surely if i dont use the vehicle as much as the main driver then reguardless of who owns it thats correct..?""

Driving without car insurance?

I'm curious, how many people do you think drive without car insurance and have you ever driven without insurance. I ask because the other day I was browsing on here and long story short, there was a woman who got into an accident that she claimed was not her fault but proceeded to say that she didn't have insurance and wanted to know what would happen. I was baffled because I don't know what would truely posses someone to drive without having insurance. I mean, I would be so scared of the consequences to even gather up the balls to get behind a wheel. It's like driving while intoxicated---it's just asking for trouble.""

""I am moving soon, but my car insurance policy will be up before I leave. What do I do?""

My car insurance policy will be up in May and I am planning on moving from New York to Florida in July. How do I go about switching my car insurance so that I can maintain the same policy once I move to Florida? Can I buy a Florida policy now as long as I am up there within a certain amount of time? (I am most interested in switching to Geico, since I am a student and new driver) Since I'm moving into my Grandfather's house, can he just put me on his policy when mine ends, and if he can, will I still be able to drive my car around until I move down there?""

State farm insurance question?

does anyone know if state farm insurance plans accept Tria Orthepedic Center?

Can I remove 17 yr old off my insurance policy if not driving my car at all?

Long story short (hopefully)...My 17 yr old step-son got his license just after his b-day last yr and my husband stupidly bought him an undeserved car (we have had nonstop issues with him for over 2 yrs with his disrespectful and insulting/criticizing attitude, refusing to follow house rules, his very poor, negative and selfish behavior on top of his constant lies and his drug and alcohol use and continues to bring it around my 4 yr old son). Needless to say after receiving 4 tickets under 6 months for either having too many kids in car or driving past allowed hours to be driving because he refuses to follow our rules or the law and feel they do not apply to him. He completely trashed the car, it reeked of cigarettes and pot, we found empty beer cans and other cans used to smoke his pot. We took the car away and cleaned it the best we could and after a few months of him still continuing his behavior and habits we sold the car. He bullies his mom and sister (always has) and took his moms keys and her car from her and will not return it. I know we are legally responsible for him until he turns 18 which isn't too much longer BUT he is getting worse with everything, my husband has given up on him and just lets him come and go as he pleases and do what he wants (he claims he will kick him out on his bday but no one believes him b/c of many past threats not followed through and his kids know it so they continue to play him), I'm told to stay out of it because he isn't my son yet he is still on MY insurance and driving his mom's car while drinking and smoking pot and continuing not to follow the law with his restrictions either. I can't wait for this ungrateful punk to be out of my house. He constantly badmouths all of us with lies to everyone and blames us when things don't go his way. He has always been extremely lazy and does not want to work, he keeps forcing his mom to give him money which she does b/c she claims she is afraid of him, he has NEVER helped with anything around the house, he has already been in trouble a few times with the police as young as 12 when he wouldn't follow skateboarding rules. This kid needs a major attitude adjustment and a kick in the *** but no one will do it and I'm not allowed to say anything to him about anything but I'm so sick and tired of having to keep my mouth shut and watch everything he says and does to his family yet I am to provide insurance for this a@%hole. He's not supposed to be driving anyone's car but he took his mom's and won't give it back to her, he lives with us even though he is NEVER here (DYFS took the kids away from their mom about 4 yrs ago and placed them with us immediately) (oh, the issues have been going on a lot longer than these 4 yrs but not to this degree). By the time we file and the court allowed for emancipation he will be 18 so that is no use. He HAS to live with us until then but I don't want my insurance going up anymore than it has and want him off of it. He refuses to hand over his license too. I am at my wits end with this kid and don't know what else to do. Does anyone have any ideas on any loopholes on how to get him off my insurance? If we force him to stay here he gets violent toward everyone, constantly picks fights with all of us, storms around the house cursing and complaining, slamming everything, purposely makes messes and leaves it until he gets his way and I definitely do not want that behavior around my son. My husband has told him he is no longer a part of our family and it doesn't faze him at all and he just does not care about anyone but himself. Please no criticizing me. I have been his step-mom for almost 10 yrs now and have never been allowed to discipline my husband's kids at all and always told to not get involved in anything b/c they are not my kids yet they both walk all over their dad (and their mom), are spoiled rotten, no responsibilities or chores at all and never any consequences when they do something wrong. For those of you who actually read all of this thank you. Yes, I am venting but really need it and this still is not the whole story but it's too much to go into.""

Does my insurance rate go up for next year?

I got a citation for an infraction recently. I was sober and I drove my friend back onto campus. There were two stop signs at night and I did not see any lights so I thought no car was there and I passed right through the stop signs. When I parked a police officer came by and wrote me a citation so now I have to show up to court. I was wondering if my insurance rate goes up for this and if so, by how much? My insurance company is AAA.""

""My brother wrecked my car and the Insurance wont cover it, what can I do?

While I was out of the country my brother wrecked my car and the insurance company wont cover it. I have full coverage and my brother had my permission to be driving my car so how can they refuse to pay?

Affordable health insurance 4 someone with prexisting conditions? I have no kids and in a low income household

Home owners Insurance can't afford - help?

a year ago I paid off my mortgage and now I have property taxes which I pay in installments and now home owners insurance, there was enough left in escrow the first year for the mortgage company to pay the property taxes rhe first year, but now I realize I cannot afford the home owners insurance / I'm in a low income job , and it's $600 a year - If I were to cancel the home owners insurance until I get finish my degree to become a teacher in three years would I encounter problems with an another insurance company to get home owners insurance once they know I've been without HOI for say 2-3 years? or what would happen - see I hsve property taxes, hoa do every month etc and I'm living paycheck to paycheck I have car ins cause it's the law / can I just cancel the HOI just for three years until I make more money? advise please""

Life insurance for seniors?

does anybody know any good life insurance for seniors? i need to try and help my parents some life insurance

Car Rental Insurance?

What happens if you rent a car and decline any coverage? I was told that if you were involed in an accident you would have to make a claim with your own insurance company. What if you don't own a car and thus don't have an insurance company? Are there limits to the amount of responsibility of the renter? I mean if the car is totaled does the renter really have to replace the entire cost of the car out of his pocket as well as damage to the other car and injury to it's occupants? I know i'm not alone in declining insurance. But if I got into an accident I always assumed I would just be responsible for a deductable and not the total amout of damage to the cars and injuries. Serious answers only. I really don't need to hear yes, you need insurance or you're screwed That tells me nothing.""

Insurance on financed vehicles?

is it true that after 3 yrs. of financing a vehicle you no longer need to purchase full insurance? you can only do liability insurance. Is that true I think someone said that is the case for Allstate Insurance.

Is it best to wait until i am 25 to buy a car to save on insurance?

i heard it was like 3grand to insure a car for a male under 25 or is it 21?

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

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

""On a road trip with multiple drivers, how do you handle car insurance?""

I'm going on a road trip to the US (from Canada) with some other people, and we'll be using one of their cars. We're all driving this car. Is there car insurance we can buy just for the trip? It would suck to have an accident and affect the car owner's insurance. Thanks for any tips you have.""

Should I be able to get disability?

Here is my story, I was working and slipped and fell on my side (I did file a accident report). At first I felt fine just a numbness in my side and thinking it would go away, but as the months went by the numbness went away to only be replaced by a pain. I took pain medications to ease it and it helped relieve the pain but now it hardly does anything, if anything at all. I am like 6'4 and before the accident I weighed around 230, now I am climbing to 320??? Oh, I am 25. Oh, and I have been fighting my insurance for 5 years. I cannot exercise to lose weight because the pain in my side prevents me to do daily activities for long or if any at all. I have grown severely depressed as in that I have gained all this weight and feel disgusted with the way I look like and try to avoid any human contact or be seen because I feel disgusting with the way I look. I hope I have said all I needed to do. I just feel I cannot function as a normal person in society anymore. And times if there is no hope for me, I feel as if maybe the best solution for me is to commit suicide because I just feel so much like a freak to the world now.""

On average how much does it cost to insure an apartment building?

I am looking into purchasing 2 triplex apartment buildings. They are both brick buildings built in 1990. Both have been maintained fairly well and have a really good price on them. Now I am trying to find out on average what the cost of insurance would be. Just wanna be sure that it will be well worth my investment and not a sink Hole I have already checked taxes, utilities, and of course viewed the apartments. Now I just need some figures on Insurance. Thanks for any and all help.""

Can I call an auto adjuster for a quote and then not use them?

Car value (Kelley Blue Book) about $4200-4500 (just bought it a couple of months ago for $5K). Older car, low low mileage. Seriously excellent condition, fancy wheels, no similar cars close to the low mileage anywhere near $5K within a 200 mile radius. Body work $5K est from body shop. Do I bother calling insurance company to send an adjuster out, or should I just fix it myself and save the insurance cost hit because they will total it anyway? If an adjuster gives an estimate am I then bound by their decision, which seems as if it will be to total the car? If they look at it will they raise my insurance even if I fix it myself? I am not sure what to do!""

Health and life insurance?

im needing to look into health and lfie insurance for myself, and was wondering where to start? What is everyone using? i need something reasonable and something where i dont get the run around with!! Any help appreciated!""

On homeowners insurance .. What is the difference between Replacement cost and Acutal cash Value? what pays mo

What pays more and what is the least expensive?? please some one explain to me in detail.. Does my home need to be insured with the market value???

What insurance company should I use if I am 18?

I don't go to school but I am starting college in the Fall. What is a relatively reliable but cheap auto insurance company that I can use?

Does anyone know the best way to get insurance leads?

i'm looking for a way to get insurance leads, I would rather own software myself as appose to paying for an individual leads, can anyone tell me the name of a some good software? thanks in advance!""

Should i have the right NOT to buy health insurance?

i could have saved close to $4,000.00 in the last 29 months by not having insurance""

I was speeding 16 mph over the limit and it is my first offense. how much will my fine be?

I am 17 and I was driving my parents car, under their insurance. how much do you think my fine will be? and will my parents insurance rates go up if I go to the court date, plead guilty, pay the fine, and go to traffic/driving school?""

What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?

THE ULTIMATE CHEAPEST INSURANCE?

What insurance company is THE cheapest? but has great coverage or provides the same services as other insurance?

""What are car insurances rates just for liability insurance in reno, nv?""

What are car insurances rates just for liability insurance in reno, nv?""

How much is pilots insurance ?

First of all is there such a thing as pilots insurance, if so how much is average""

What would be the best liability car insurance for me?

I just turned 17, I live in Alabama. I have had liability insurance before but i was on my dads. now i want to get my own. but when i had insurance before with State Farm i had to have it turned off. Now i need to know which company with liability would be best for me. I did get one speeding ticket before when i had insurance but that was like 6 or more months ago. Now im in Drivers Ed at school so i should get the insurance discount for that. So what would be the best and cheapest insurance for me. And will there be any fees or anything form me getting it turned off before?""

Why don't health insurance companies compete on price like car insurance companies?

I was watching TV (something I rarely do) this weekend, and I noticed a fair number of car insurance commercials from various companies. They were touting their high level of service and low prices, and urging consumers to investigate and switch to their company. How come this doesn't appear to happen with health insurance? Is it because employers, rather than the actual people insured, shop for insurance in many cases? Is it because auto insurers are allowed to compete more freely across state borders? Are the basic expectations different when it comes to health insurance? Or, does competition already exist in the health insurance industry but the product is so much more expensive no matter what? Serious answers appreciated. Thanks.""

Is full liability auto insurance the same as full coverage auto insurance?

Cheap Car Insurance - Please Help?

Hello in June I will be 17 years old! Obviously like all 17 year old males I want a car! I'm not massively fussed about the car as long as it doesn't cost to much! Today I have been looking at cars such as; FIAT CINQUENCENTO Perodua Nippa EX and a few other cars bellow 1l I live in Northamptonshire and my postcode is NN1 *** on comparison websites i cant find insurance for less than 3500 when that is miles out of my price range! If anyone knows any insurance sites or extremely cheap cars to insure for 17 year olds then please reply to this. Any help will be much appreciated. Thanks

Best Insurance Price I Could Get?

I'm looking at buying my first own car in the next few months/year. I'm currently 17 but will be 18 soon, straight-A student, looking at a 1999 Toyota 4Runner Limited 4WD. Progressive quoted me $147, which seems ludicrous to me (they'll have the value of my car in less than four years!), but I know I'm young - and young drivers get in a lot of wrecks. I'd just like to know what you all think is the best affordable insurance company that still offers pretty good coverage, and if there's anything I can do to further lower my price besides good student and safe driver discounts.""

Affordable health insurance 4 someone with prexisting conditions? I have no kids and in a low income household

https://www.linkedin.com/pulse/burlingame-california-cheap-car-insurance-quotes-zip-94011-mia-hobbs/"

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onision-fucks-children · 7 years ago

Text

*Last Personal Rant About DKG*

Its a new year, so its got to be a new me right? 2017 me was crazy hung up on my ex fiance, he was somewhat emotionally abusive and my sheltered naive ass took that to be passionate love. It took all of this year and maybe a quarter of last year to stop being afraid- I was so afraid of everything. Every unexpected noise, everytime any man or boy looked at me, everytime some one raised their voice in public terrified me. The future also terrified me, I was terrified to look towards a future that didn't have DKG in it, I'm not afraid of that anymore. Whatever happens in my future is something I cant see nor control, whose to say 30 year old me isnt with 31 year old DKG?

But, I'm getting it all out tonight. Before the official first day of 2018 sets in, I have to leave behind the part of me that loves DKG (If I can). So below is everything I want to say, face to face, to the kid I once believed could do no harm.

"I'm sorry. I know weve been through this again and again, and I know I'm wasting my breath. You dont believe me, and with good reason not to. Ive lied to you, again and again. About little stuff. About big stuff. So let me tell you the ugly truth right now and maybe you'll trust me when I tell you that I feel so fucking guilty about everything that suicide is always on the backburner of my head.

After we broke up, I didnt sleep. I didnt sleep for 3 days, someone would basically force me to sleep for a few hours, and the cycle would continue again. This continued for at least 4 months, before it took a huge toll on my physical body and my mental state. This isnt an excuse by anymeans: During the period of time where my insomnia would not go away, my personality took a drastic turn. I gave up- I was sick to death of being the submissive quiet "yes daddy" little girl that people, including you, took advantage of. I did everything I could to shake that version of myself away: I started drinking w Kollin, and sleeping w Kollin. And his 2 (?) Friends. I started hanging out and smoking with HWK again (And yes, DKG, you were right about him. He doesnt care about me, or anything ever. But I think after every hurtful thing I did to you, i really dont deserve someone who cares about me right now. Maybe someday but not now). I was popping pills to stay up at night (To keep away the nightmares) and downing as much cough syrup as I could to fall asleep in the daytime. Eventually, as my horrible spiral of sluttiness wore down, I slept with SPG. I'm sorry. I think I've sent a million messages trying to explain my side of this story and its honestly pointless. I did it, I'm ashamed of it, I cant fix it. I should not have done that, and I deserve to have my head bashed into a brick wall. Or some other form of weirdly intense violence.

My halloween outfit was out of line and also inexcusable. The best explanation I can give you is...I'm clinically fucking insane. Not literally (Clinically depressed not insane but w.e) insane, just have no common sense. You didnt give me black eyes, you just ripped the core of my fucking soul out. No biggie. Emotional abuse is a lot harder to turn into a halloween outfit, ya know?

But you weren't 100 a bad boyfriend. In fact, a good 90 percent of the time, you were everything I wanted. And I stuck by you through a lot. When I caught you cheating early on in the relationship, when we went to jail together, all the moving we had to do. When you chose me over Amber. I was ready to give up seven years of my life for you, with zero hesitation. And I was willing to do all that because I loved your laugh, I loved the twinkle in your eye when you made a sly ass joke, I loved waking up to you, I loved everything about your ass. I thought, I fucking dreamed about marrying you, and thats on me. I should have known that we wouldnt last. You deserve happiness, and that wasnt me. Ive always wanted to see you happy, even when I fucking hated your guts at the end of the day, you were the one I was praying for.

I will always love you. I can't lie to myself about that, so I know I won't be able to lie to you about it either. You dont have to believe me and even if you believe me you dont have to care. I gave you all my love while we were together and I cant seem to find any love for a new person. You could break my arm, knock my slutty lying teeth in, bruise my cheeks, throw fucking acid in my face, and do everything else that I deserve to have happen to me for all the shit I did this year, and I would still want to be with you. I dont expect you to do anything about it, I cant force you to love me just like I can't force myself to stop loving you.

There, thats it. Thats all I have to say. I'm leaving this behind in 2017. I can't keep waiting for him to come back, I cant wish for him to even talk to me. But I can suck it up, instead of just faking it, and move on. Buy a few cats.

#stay away from dayton #dayton #my ex #fuck i miss him #but fuck him

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viralhottopics · 8 years ago

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John Arnold Made a Fortune at Enron. Now Hes Declared War on Bad Science

Brian Nosek had pretty much given up on finding a funder. For two years he had sent out grant proposals for his software project. And for two years they had been rejected again and againwhich was, by 2011, discouraging but not all that surprising to the 38-year-old scientist. An associate professor at the University of Virginia, Nosek had made a name for himself in a hot subfield of social psychology, studying peoples unconscious biases. But thats not what this project was about. At least, not exactly.

Like a number of up-and-coming researchers in his generation, Nosek was troubled by mounting evidence that science itselfthrough its systems of publication, funding, and advancementhad become biased toward generating a certain kind of finding: novel, attention grabbing, but ultimately unreliable. The incentives to produce positive results were so great, Nosek and others worried, that some scientists were simply locking their inconvenient data away.

The problem even had a name: the file drawer effect. And Noseks project was an attempt to head it off at the pass. He and a graduate student were developing an online system that would allow researchers to keep a public log of the experiments they were running, where they could register their hypotheses, methods, workflows, and data as they worked. That way, it would be harder for them to go back and cherry-pick their sexiest data after the factand easier for other researchers to come in and replicate the experiment later.

Nosek was so taken with the importance of redoing old experiments that he had also rallied more than 50 like-minded researchers across the country to participate in something he called the Reproducibility Project. The aim was to redo about 50 studies from three prominent psychology journals, to establish an estimate of how often modern psychology turns up false positive results.

John Arnold managed to walk away from Enrons 2001 collapse with a seven-figure bonus and no accusations of wrongdoing attached to his name.

It was little wonder, then, that funders didnt come running to support Nosek: He wasnt promising novel findings, he was promising to question them. So he ran his projects on a shoestring budget, self-financing them with his own earnings from corporate speaking engagements on his research about bias.

But in July 2012, Nosek received an email from an institution whose name he didnt recognize: the Laura and John Arnold Foundation. A Google search told him that the Arnolds were a young billionaire couple in Houston. John, Nosek learned, had made his first millions as a wunderkind natural gas trader at Enron, the infamous energy company, and hed managed to walk away from Enrons 2001 collapse with a seven-figure bonus and no accusations of wrongdoing attached to his name. After that Arnold started his own hedge fund, Centaurus Energy, where he became, in the words of one hedge fund competitor, the best trader that ever lived, full stop. Then Arnold had abruptly retired at the ripe age of 38 to focus full time on philanthropy.

As Nosek tells it, John Arnold had read about the Reproducibility Project in The Chronicle of Higher Education and wanted to talk. By the following year, Nosek was cofounding an institution called the Center for Open Science with an initial $5.25 million grant from the Arnold Foundation. More than $10 million more in Arnold Foundation grants have come since. It completely transformed what we could imagine doing, Nosek says. Projects that Nosek had once envisioned as modest efforts carried out in his lab were now being conducted on an entirely different scale at the centers startup-like offices in downtown Charlottesville, with some 70 employees and interns churning out code and poring over research. The skeletal software behind the data-sharing project became a slick cloud-based platform, which has now been used by more than 30,000 researchers.

Media reports have declared the field of psychology, if not all of science, to be in a state of crisis.

The Reproducibility Project, meanwhile, swelled to include more than 270 researchers working to reproduce 100 psychology experimentsand in August 2015, Nosek revealed its results. Ultimately his army of volunteers could verify the findings of only about 40 percent of the studies. Media reports declared the field of psychology, if not all of science, to be in a state of crisis. It became one of the biggest science stories of the year.

But as it happens, Nosek is just one of many researchers who have received unsolicited emails from the Arnold Foundation in the past few yearsresearchers involved in similar rounds of soul-searching and critique in their own fields, who have loosely amounted to a movement to fix science.

John Ioannidis was put in touch with the Arnolds in 2013. A childhood math prodigy turned medical researcher, Ioannidis became a kind of godfather to the science reform crowd in 2005, when he published two devastating papersone of them titled simply Why Most Published Research Findings Are False. Now, with a $6 million initial grant from the Arnold Foundation, Ioannidis and his colleague Steven Goodman are setting out to turn the study of scientific practiceknown as meta-researchinto a full-fledged field in its own right, with a new research center at Stanford.

British doctor Ben Goldacre also got an email from the Arnold Foundation in 2013. Famous in England as a sharp-witted scourge of bad science, Goldacre spent years building up a case that pharmaceutical companies, by refusing to reveal all their data, have essentially deceived the public into paying for worthless therapies. Now, with multiple grants from the Arnolds, he is leading an effort to build an open, searchable database that will link all publicly available information on every clinical trial in the world.

A number of the Arnolds reform efforts have focused on fixing nutrition science. In 2011 the science journalist Gary Taubes received an email from Arnold himself. Having spent more than a decade picking apart nutrition science, Taubes soon found himself cofounding an organization with a substantial grant from the Arnold Foundation, to rebuild the study of obesity from the ground up. And in 2015 the Arnold Foundation paid journalist Nina Teicholz to investigate the scientific review process that informs the US Dietary Guidelines. Just weeks before the federal guidelines were due for an update, Teicholzs blistering report appeared in the prominent medical journal The BMJ, charging that the governments panel of scientists had failed to consider evidence that would have done away with long-held worries about eating saturated fat.

Harvard psychologist Daniel Gilbert referred to researchers who had tried and failed to replicate the findings of one senior lecturer as shameless little bullies.

And those are just a few of the people who are calling out iffy science with Arnold funding. Laura and John Arnold didnt start the movement to reform science, but they have done more than anyone else to amplify its capabilitiestypically by approaching researchers out of the blue and asking whether they might be able to do more with more money. The Arnold Foundation has been the Medici of meta-research, Ioannidis says. All told, the foundations Research Integrity initiative has given more than $80 million to science critics and reformers in the past five years alone.

Not surprisingly, researchers who dont see a crisis in science have started to fight back. In a 2014 tweet, Harvard psychologist Daniel Gilbert referred to researchers who had tried and failed to replicate the findings of a senior lecturer at the University of Cambridge as shameless little bullies. After Nosek published the results of his reproducibility initiative, four social scientists, including Gilbert, published a critique of the project, claiming, among other things, that it had failed to accurately replicate many of the original studies. The BMJ investigation, in turn, met with angry denunciations from nutrition experts who had worked on the US Dietary Guidelines; a petition asking the journal to retract Teicholzs work was signed by more than 180 credentialed professionals. (After an external and internal review, The BMJ published a correction but chose not to retract the investigation.)

The backlash against Teicholz also furnished one of the few occasions when anyone has raised an eyebrow at the Arnolds funding of science critics. On the morning of October 7, 2015, the US House Agriculture Committee convened a hearing on the controversy surrounding the dietary guidelines, fueled by the BMJ article. For two and a half hours, a roomful of testy representatives asked why certain nutrition studies had been privileged over others. But about an hour in, Massachusetts representative Jim McGovern leaned into his microphone. Aiming to defend the science behind the guidelines, McGovern suggested that the doubts that had been cast over Americas nutrition science were being driven by a former Enron executive. I dont know what Enron knows about dietary guidelines, McGovern said. But powerful special interests are trying to question science.

If John Arnold decided he wanted to beat hunger, I wouldnt want to bet on hunger.

McGoverns quip about Enron, a company that hasnt existed in 15 years, was a bit of a potshot. But given the long history of deep-pocketed business interests sowing doubt in research, his underlying question was a fair one: Who is John Arnold, and why is he spending so much money to raise questions about science?

FORTUNE Magazine once dubbed Arnold one of the least-known billionaires in the US. His profile in the public consciousness is almost nonexistent, and he rarely gives interviews. But among hedge funders and energy traders, Arnold is a legend. John DAgostino, former head of strategy of the New York Mercantile Exchange, says that in Arnolds heyday, people in the industry would discuss him in hushed and reverent tones. In 2006, Centaurus reportedly saw returns of over 300 percent; the next year Arnold became the youngest billionaire in the country. If Arnold decided he wanted to beat hunger, DAgostino says, I wouldnt want to bet on hunger.

For all the swagger of that description, Arnold himself has virtually none. He is universally described as quiet and introspective. At Enron, a company famous for its brash, testosterone-laced cowboy culture, the perennially boyish-looking trader was reportedly so soft-spoken that his colleagues had to gather in close to hear him at restaurants. People would read into it, and they would say hes just being cagey, DAgostino says. And then, after a couple of years, people were like, oh, no, hes actually like that.

Arnold is still quiet. Usually the division of labor in most of our work is that I talk, Laura Arnold says in a phone interview. By all accounts, Laura, who attended Harvard College and Yale Law School and worked as an oil executive, has been equally influential in setting the direction for the foundation. But when I visit the Arnold Foundations Houston headquarters in June, Laura has been called away on a family emergency, leaving John to do the talking. Arnold is 5’10”, trim, and blandly handsome, his unusually youthful appearance now somewhat concealed by a salt-and-pepper beard.

By the time he was 14, Arnold was running his first company, selling collectible sports cards across state lines.

Arnold grew up in Dallas. His mother was an accountant (she would later help manage the books at his hedge fund). His father, who died when Arnold was 18, was a lawyer. By kindergarten, Arnolds talent for math was apparent. I think I was just born with a natural gift for seeing numbers in a special way, he says. Gregg Fleisher, who taught him calculus in high school, recalls an occasion when Arnold instantly solved a math puzzle that had been known to stump PhDs. But he also stood out for his skepticism. He questioned everything, Fleisher says.

By the time he was 14, Arnold was running his first company, selling collectible sports cards across state lines. Those were the early days of the Internet, and he managed to gain access to an online bulletin board intended only for card dealers. The listings let him see that the same cards were sold at different prices in different parts of the countrywhich presented an opportunity for arbitrage. Hockey cards didnt have much of a market in Texas, he tells me. I would buy up all the premium hockey cards and send them to Canada or upstate New York. He called the company Blue Chip Cards. Arnold estimates that he made $50,000 before he finished high school.

Arnold graduated from Vanderbilt University in 1995, taking only three years to finish his degree. He started working at Enron four days later. A year after that, at age 22, he was overseeing Enrons Texas natural gas trading desk, one of the companys core businesses.

Arnolds work at Enronseeking to capitalize on seasonal price differences in natural gaswasnt all that different from what hed done as a teenager selling sports cards. In Hedge Hogs, a 2013 book about hedge fund traders, Jeff Shankman, another star trader at Enron, is quoted describing Arnold as the most thoughtful, deliberate, and inquisitive person he worked with on the gas floor. But Shankman recognized that he and Arnold were different in one key respect: Arnold had a greater appetite for risk, a quality that seemed at odds with his quiet demeanor. On some days at Enron, Arnold would trade more than a billion dollars worth of gas contracts. In 2001, even as Enron was collapsing amid an accounting scandal that covered up billions in debt, he was reported to have earned $750 million for the company. A former executive at Salomon Brothers later told The New York Times that there were very few incidents in the history of Wall Street comparable to Arnolds success that year.

Arnold has said that the first phase of his life was 100 percent trying to make money and that its now 100 percent trying to do good.

As Enron neared bankruptcy, executives scrambled to hold its operation together, offering bonuses to keep traders on board. Arnold was given $8 million, the biggest payout of all, just days before Enron filed for bankruptcy. He started Centaurus the next year, bringing along a small group of former Enron traders, who worked out of a single large room.

Arnold says he wasnt sure if he could match the success hed enjoyed as a futures trader at Enron. As a pipeline company, Enron had a direct view onto many of the factors that influence gas prices. Now hed have to rely purely on his prowess with data. By law, natural gas pipelines had to make much of their information public, and around the time Centaurus was forming, more of that information began to appear online. A lot of people didnt know it was out there, Arnold says. People who did, didnt know how to clean it up and analyze it as well as we did.

It wasnt long before Arnold had the answer to his doubts. In 2006, Centaurus reportedly generated a 317 percent return overall, after taking the opposite side of a risky bet that another hedge fund, Amaranth, had made on fluctuations in natural gas prices. Amaranth, which was gambling with money from large pension funds, suffered a $6 billion loss and collapsed. By 2009, Centaurus was managing over $5 billion and had more than 70 employees. In its first seven years, according to Fortune, the fund never returned less than 50 percent.

But Arnold had to come down to earth eventually. In 2010, Centaurus experienced its first annual loss. And though the fund bounced back the next year, tighter regulations on trading and a far less volatile marketthanks to a growing supply of natural gas from shale rockmade it unlikely that Arnold would again see the astonishing returns of only a few years earlier. And so, at age 38, Arnold walked away from it all. He announced that he was closing Centaurus in a letter to investors: After 17 years as an energy trader, I feel that it is time to pursue other interests.

Arnold tells me that he had lost some of his passion for trading. At the time, his net worth was estimated to be around $3 billion. In 2010 the Arnolds had signed the Giving Pledge, promising to give away at least half their wealthand he wanted to be as strategic about that goal as he had once been about trading. Arnold has said that the first phase of his life was 100 percent trying to make money and that its now 100 percent trying to do good. As The Wall Street Journal noted, in US history, there may have never been a self-made individual with so much money who devoted himself to philanthropy at such a young age.

John Arnolds brief but legendary career in finance

marley walker

THE ARNOLDS had been dabbling in philanthropy for years, supporting a few handpicked programs in education, criminal justice reform, and other areas that were important to them. But now, with their stepped-up ambitions, the couple entered a new realm. Arnold had always been ready to make huge bets, but it was ultimately his hunger for reliable data that made him a brilliant trader. That same hunger would make large-scale philanthropy far more challenging than he had anticipated.

In a glass conference room at the Arnold Foundations officeswhich occupy the same space as the old Centaurus trading floor, a 15-minute drive from the glass tower whose entrance was once adorned with Enrons famous EArnold explains that his and Lauras initial plan had been to simply locate the most effective organizations and write them checks. But figuring out which organizations were most effective turned out to be vexing. Nonprofits are very good at reporting their success rates and citing the science behind their interventions, but dig into their claimsas the Arnolds would try to doand you find that they often omit relevant context or confuse correlation with causation. The more you read the research, the less you know, Arnold says. It became extraordinarily frustrating.

Then, one day in November 2011, he was listening to the podcast EconTalk, hosted by libertarian economist Russ Roberts. The guest that day was science journalist Gary Taubes, and he was talking about how the prevailing dietary wisdom of the past 40 yearsthat eating too much fat leads to obesity and heart diseasearose from the flimsiest of scientific evidence. The foundational studies, Taubes said, looked at the diets and disease rates in various countries, then essentially guessed at which items in the diet were responsible for the countrys good or bad health statistics. Worse yet, whenever evidence came along that contradicted the consensus about the dangers of eating fatoften evidence that was much stronger than the evidence for the dangersit was ignored or not even published. Hardly anyone in the world of nutrition science seemed willing to question the science behind the low-fat diet, even after Americans grew fat and diabetic in record numbers.

The picture Taubes painted wasnt of a flawed study here or there but of a fundamentally broken scientific culture. During the podcast, he mentioned that he was raising money in the hope of funding experiments that might deepen our understanding of the root causes of obesity. Not long after the podcast went online, he received a five-line email from Arnold. From the little I know about the science of nutrition, your study makes a lot of sense, Arnold wrote. Like Nosek, Taubes had to Google Arnold to learn who he was. Six months later the Arnold Foundation made a $4.7 million seed grant to the Nutrition Science Initiative (NuSI), the nonprofit Taubes cofounded to support fundamental research on diet and health. The next year the Arnolds promised $35.5 million more. (wired wrote about NuSI in issue 22.09).

Arnold is careful not to lump all researchers together when he talks about the problems in science. But he tells me that listening to Taubes and reading his book, Good Calories, Bad Calories, had been an aha moment for him. Science is built like a building, Arnold says. One floor on top of the next. In nutrition, the whole foundation of the research had been flawed. All these things that we thought we knewwhen we step back and look at the evidence baseits just not there.

Rolling Stone called Arnold a young right-wing kingmaker with clear designs on becoming the next generations Koch brothers.

Arnold says that now, unless he trusts a researchers work, he no longer believes the findings of any scientific study until he or someone on the staff carefully vets the paper. A new study shows are the four most dangerous words, Arnold wrote on Twitter.

Together with Taubes work, Arnold was also reading Ioannidis and Goldacres equally devastating analyses. These critiques of science amounted to a deep philosophical quandary for the Arnolds, philanthropists who had dedicated their lives to a data-based approach to giving. In everything they do, they want to be evidence-driven, says Stuart Buck, vice president of research integrity at the Arnold Foundation. But if you look at the studies that cant be reproduced and other issues facing science, you start to think: What is evidence? What do we actually know?

The Arnolds had already decided that, with decades of life ahead of them and almost unlimited resources, they had the time and money to evaluate charitable programs properly, even when that meant paying for expensive randomized controlled trials that could take years to complete. But now they were widening their scope. If they wanted to embark on truly transformational change, as their foundation literature states, it wouldnt be enough to properly evaluate this or that education or criminal justice program. They would also have to take on a far more ambitious project: The Arnolds would have to try and fix science itself.

IN THEIR philanthropy, the Arnolds like to say, they follow data where it leads rather than let themselves be guided by ideology. And its true that, when it comes to political leanings, they are somewhat hard to pin down. The Arnolds identify as Democrats and were major financial supporters of President Barack Obama. In 2013 they donated $10 million to keep Head Start, the early-childhood education program for low-income kids, running through the federal government shutdown, and many of the issues theyve taken on, from criminal justice reform to making prescription drugs more affordable, are decidedly progressive. Yet the foundation is also focused on reforming what the Arnolds see as a broken public pension systema project that, in practice, usually means cutting payments to retirees, raising retirement ages, and switching new workers to 401(k)-style plans. That focus led Rolling Stone to call Arnold a young right-wing kingmaker with clear designs on becoming the next generations Koch brothers. (In 2015, Bloomberg suggested that Arnold may have somehow managed to become less popular as a philanthropist than he was as a billionaire trader.)

Were not looking to create an organization of safe success, Laura Arnold says. Were looking to create an organization of thoughtful failure and fantastic success.

If John Arnold does have an identifiable ideology, it is that of a lifelong trader and quant: unsentimental, metrics-focused, interventionist. He is unapologetic about having worked at Enron, and he can be defensive about the moral standing of Wall Street in the public mind. In 2015, after a cancer researcher was found to have falsified research data and defrauded the government out of millions of dollars, Arnold complained on Twitter that the penalty, a five-year funding restriction, was too light. Had something similar happened on Wall Street, he tweeted, the perpetrator would have been sentenced to 10 years in jail and the bank would have been fined a billion dollars. Is there something special about frauds in the securities biz that they should be penalized infinitely more harshly than other business frauds? he went on. Or is Wall Street just an easy target while cancer researchers and universities are not?

So its no surprise that, in practice, the Arnolds approach to giving has a lot in common with John Arnolds approach to investing. Laura tells me she sees her husbands appetite for riskan appetite she says she sharesas the most obvious link between his approach to trading and philanthropy. Once the foundation has identified areas where they believe they can make the biggest difference, they go all in. Were not looking to create an organization of safe success, she says. Were looking to create an organization of thoughtful failure and fantastic success.

Arnold is, in at least one respect, trying to make science a little more like finance. In recent decades, math and science whizzes like Arnold have invaded Wall Street, bringing a level of scientific precision to trading and often making fortunes in the process. And good traders, as Arnold sees it, naturally come to appreciate something that researchers too often miss: Its very easy to be fooled by your own data. They internalize the risk of mistaking correlation for causationnot because theyre smarter than scientists but because they have money riding on the outcome. As a general rule, the incentives related to quantitative research are very different in the social sciences and in financial practice, says James Owen Weatherall, author of The Physics of Wall Street. In the sciences, one is mostly incentivized to publish journal articles, and especially to publish the sorts of attention-grabbing and controversial articles that get widely cited and picked up by the popular media. The articles have to appear methodologically sound, but this is generally a lower standard than being completely convincing. In finance, meanwhile, at least when one is trading with ones own money, there are strong incentives to work to that stronger standard. One is literally betting on ones research.

Comedian John Oliver spent 20 prime-time minutes on HBO last May mocking the reign of terrible science on TV news shows and in public debate.

In my conversations with Arnold and his grantees, the word incentives seems to come up more than any other. The problem, they claim, isnt that scientists dont want to do the right thing. On the contrary, Arnold says he believes that most researchers go into their work with the best of intentions, only to be led astray by a system that rewards the wrong behaviors. Says Goodman, Scientists really do want to discover things that make a difference in peoples lives. In a sense, thats the strongest weapon that we have. We can feed off that. Figuring out exactly which rewards work best and how to simultaneously change the incentives for researchers, institutions, journals, and funders is now a key area of interest for Goodman and Ioannidis.

At the Center for Open Science, Nosek has already begun to experiment with new incentives for scientists. Because investigating and replicating research begins with having the data and materials necessary to do so, he is particularly focused on making science more transparent. In 2014 he partnered with the journal Psychological Science to offer colorful Open Data and Open Materials badges for papers that met specific criteria for sharing. A 2016 study to determine the effectiveness of the badges showed that the number of articles that reported publicly available data had increased tenfold. Its a stupid little badge, Nosek says, but it works.

Nosek is also still campaigning to convince researchers to preregister what they plan to analyze and report in a study, so that they cant adjust their experiment on the fly or hide less-than-dazzling resultsa problem that Goldacre is also tackling. To promote preregistration, the Center for Open Science offered the first 1,000 scientists who preregister their studies with the organization $1,000 each. Nosek says that the cash offers were Arnolds idea.

Denis Calabrese, the Arnold Foundations president, says they dont expect immediate results. The Arnolds have a multiple-decade timeline to work on problems. Yet the most remarkable thing about the Arnold Foundations research integrity projects is that they already appear to be paying off. For one thing, the problems plaguing scientific research are now increasingly well known. Of 1,576 researchers who responded to a recent online survey from Nature, more than half agreed there is a significant crisis of reproducibility. The comedian John Oliver spent 20 prime-time minutes on HBO last May mocking the reign of terrible science on TV news shows and in public debate: After a certain point, all that ridiculous information can make you wonder: Is science bullshit? To which the answer is clearly no, but theres a lot of bullshit masquerading as science. (Some of the background footage in the segment came from the Arnold Foundation.)

The Center for Open Science’s replication efforts have inspired economists and even tropical ecologists to plan reproducibility projects of their own.

Ioannidis, whose name is almost synonymous with scientific skepticism, says he has seen immense progress in recent years. The journals Science and Nature have started bringing in statisticians to review their papers. The National Institutes of Health is moving forward with new requirements for data sharing; starting as early as this year, all NIH-funded training programs must include plans for teaching researchers the principles of reproducibility. Now everybody says we need replication; we need reproducibility, Ioannidis tells me. Otherwise our field is built on thin air.

The Center for Open Sciences next big undertaking is another reproducibility projectthis one for cancer studieswhich recently revealed its initial findings (two of five studies yielded the same results the second time around). In 2012 the former head of cancer research at the biotech firm Amgen revealed the results of the companys effort to replicate 53 landmark papers in hematology and oncology; only six studies findings could be confirmed. So there is already widespread concern about reproducibility in the field. The centers replication efforts, in turn, have inspired economists and even tropical ecologists to plan reproducibility projects of their own.

Whether all this momentum will lead to transformational change decades from now is impossible to know. Arnold figures that some of his specific grants might not work out as planned. (The foundations funding of the Nutrition Science Initiative is now scheduled to end in November.) More generally, it may not be possible to truly reform a system where the incentives are already so deeply embedded. Its probably too big a lift for us to expect were going to change researchers who have been around for decades, he says. Plus, systems of prestige and advancement die hard. You dont shift a culture overnight, Nosek says. But as many Wall Street veterans can testify, betting against John Arnold is usually a bad idea.

Sam Apple (@samuelapple) teaches science writing at the University of Pennsylvania.

This article appears in the February issue. Subscribe now.

Grooming by Kristin Daniell