#literally had 5 life altering events happen in the last month and a half so

[truthundressing]

hi im having a lil tumblr break but im leaving u with these pics of my bunny looking flat as fuck😭

[mymadmedleyw]

Death

(ao3), belongs under Certain Moment of Time, could be read independently, just as each for the days will be shorts, but all together forming a whole picture

(As this is the last chapter within the 'Going Angst Week 2021', a little reminder about the right order in reading the chapters chronologically (I suggest CMOT link): 4, 6, 2, 5, 3, and 7, 1)

tw: miscarriage

---

Blood. One could say after seeing it many times, sensing its rusty, salty odour within the air might have lost the sensibility to it after a while. But it never ceased on the weight if it was about loss, about death.

Then it always changed to the horrible, suffocating disinfectant scent with the white surrounding and the sound of silent sobs. Just as this time. They didn't even dare to count for how many occasions they ended up here, broken and devastated.

"I'm sorry, I'm so sorry…" mumbled for like the thousand times the hollow voice. "It's all my fault, I shouldn't have- I shouldn't have-" the sentence trailed off by another chuckling, squeezing hard on his hand that was holding hers, never letting it go.

Every attempt, every hopeful try led back here and- and it just twisted his heart, seeing, again and again, the slightly greyishly paled skin that years ago was beaming. Years ago…

Suddenly the picture of the small child in her arms came back, like that could have been a mirage. Sadly, he was well aware it wasn't, that happened, but- what he had done wrong?

Vlad pressed his forehead on her, taking the same question that he was asking from himself during the past few years. Why he hadn't told her? It was the same damn question, but with a different meaning this time. Time… yes, that it was.

He clearly could remember the day in the hospital bed, staring at the black and white photograph, bringing for them good news again… and then he couldn't tell what had happened, but he had woken up with years of memories in his mind and- and then as he had sat up, holding his throbbing head someone put a hand on his shoulder, asking with the greatest concern if he was okay.

It had needed hours to understand it wasn't a dream, and by lunch – made by the most amazing woman on the Earth – his mind settled too.

As much weird it was, but this was the truth. Madeline Masters. His wife. Also aware of his state – that they, according to his new-old memories, together tried to keep at bay. He knew he lied to her about its seriousness. That she only was informed about the simply side-effects: floating, invisibility and intangibility, sometimes glowing hands – but she had no conscious about the rest, about the other form… (which learning from a memory surprised Vlad too).

He kept then on with that lie, just as with the other one too, that somehow, he remembered a time when everything was different.

It worked for years. To tell the truth, Vlad forgot everything after their first positive test, even after the second, or the third, but-

Then he didn't dare to count. He couldn't recall anymore the days when she was happy – except in that other life. He slowly was destroying her, breaking the sweet image of his love… He tried to tell her several times to give up, but as much as stubborn she was, like feeling she should have been a mother, she never listened.

Then he eventually had run some tests (surprisingly facing with the result wasn't even his worst day, because his worst day was now…). The accident in the lab, five years ago ruined his biology. It was his fault. Vlad had been on to tell her, several times really, that they- that they wouldn't ever have a child, but- but he had been afraid. He still was afraid. He was a coward, fearing to lose her, so then he never told her, but now…

"Daniel…" a hollow, weak breath was formed into a name. "I thought- I chose- I really thought this time…"

"It's okay…" Vlad whispered, fighting against the suffocating guilt.

Daniel… he almost could imagine a view of a boy with her kindness, smartness and maybe with his steel bright eyes, and-

A soft sniffling broke the silence in the room, he knew it would take days and weeks to calm her down (or months, especially that this time she really had hoped…). But then she would return to her obsessed determines, again, not giving up until she would be able to fight for it…

But Vlad couldn't watch it, not again. This time, it had endangered her life too. He just couldn't let it happen, not anymore… especially as the date slipped into his mind. It was the same as on the letter, containing the black and white picture of their second child… she would have been expecting her second and-

He bit his lips as hard as it drew blood, rusty, salty and sinner. The sound of the woman, the so loved Maddie died away in a faint snuffling, undoubtedly dreaming about a great life he couldn't give her… Even though Vlad was conscious of their reality, he still wished to fulfil her dreams…

Wish… suddenly his eyes snapped open, remembering word-to-word to his half-mumbled sentence before everything had changed and he had woken up in this dream (nightmare…).

Would it be that easy? –Vlad wondered, sceptical about such childish way, but then he grabbed on it, tight, as ridiculous it sounded, and he'd have literally killed to make her happy. So then, he opened his mouth, already putting together what he wanted to say, and then-

"Won't work." stopped him an abrupt voice, then the owner cleared it. "I set the rules with Desiree. She is not allowed to grant any timeline-altering wishes, unless I allow it." Vlad blinked at the sudden presence of someone else, searching with his eyes immediately to catch the person, but there was no sign of anyone, just a quiet ticking sound was telling someone was definitely there.

A moment passed in silence, making Vlad wondering about if he hallucinated the voice, but then it spoke again. "Clockwork, by the way, Master of Time – though it's rather a given title than a name. Theatrical, isn't it?" Vlad scoffed at the unmistakable enjoying waving of the words, whoever this ghost was – because, based on the invisibility it was undoubtedly an unearthly creature from the other realm –, he clearly was amused by this scenario.

"What do you-?" Vlad started, frustrated by the spectre's presence and mocking.

"Want?" was Vlad interrupted. "From you? Nothing… albeit your stubborn wish created a glitch that didn't suppose to exist. A knot, that tangled the flow of events, blinding me. In short," the ghost took a break. "you scarred the time." well, that definitely sounded like a lecture… but then, the title slipped into his mind, along with the accounting for: Master of Time.

"You can make it back…" Vlad pieced together. "You can change on the time, change on this all." he couldn't tell if it scared him or filled with him hope, but definitely that drew out a way – more like an alternative – after the wish-one. For a short time, the ticking skipped a beat, like the ghost would have been stuck on a thought, but then talked again.

"Yes, I can change on this all." was Vlad's sentence, almost exactly repeated. He didn't have to be a genius, to feel it wasn't an admitting. "But I won't." was it added, not even a second later. "I might be responsible to watch over the timelines, and every single outcome, but on this, I am afraid, I can't do anything. You created it, it's your duty to fix it, and decide." Vlad stunned. Decide what exactly? This or- that? It wasn't an actual question, he could give the answer easily, but-

Suddenly he averted his gaze from the space where he suspected the ghost was floating invisibly – getting on his nerves by that – then he looked back to the woman, gazing at his wife, and gently got out a long curly lock of hair that fell into her face. She seemed so calm, pale, yes, shattered by the tired wrinkles under her closed eyes, and…

"I see you already made your decision." Vlad heard the cursed voice again. He didn't have to guess to know his eyes were burning red, clenching his jaw and fighting inside to not lash out at the ghost, transforming to his other outlook and end the ghost, it that was even possible in case of a timeless existence. Was it really counted as entertainment for him? This?!

"It's not a decision." Vlad spitted.

"No, it really isn't." said the ghost sternly, accompanied by a sound that gave an impression like an old clock would have been adjusted, bored by the current discussion as if it had been something obvious, or expected. "But I am seeing no future over this certain moment, neither in this time or your original one. Just imagine, how it could be to be blind after millennia. Curious, I was for centuries to learn what it caused. Well, it turned out it was just a desperate hybrid's wish, fighting against his true nature, cornering himself to endless suffering than accepting the new him… comical, isn't it?"

It felt harder and harder to hold back and stay unmoved listen to the words, but as much as he loathed hearing it, if this Clockwork could mean the solution from this, then-

"Besides, what happens now, how you decide, is beyond me, I can't see through it, until it happens." defined the being, at the same time out of nowhere a swirling green-ness formed in the air. It was similar to the Proto-Portal, which Vlad had seen many years ago, but this was enough big for anyone to walk through it. "It's either this time or the other one, the knot you created still makes the connection available. But it has to end. Only one could remain."

Vlad swallowed, lost in the neon colour, like an unescapable doom that followed him everywhere. He remembered his time, his muscles still could recall the seizures, the endless days in that hospital room, and reading about his friends' perfect life against his… the ghost was right, he had been desperate, now he could control his other side, but it could be only thanked to Maddie, this Maddie… in that other world, he was nothing but- he was literally nothing… here, now, on the other hand, he had the love of his life, but still-

Suddenly, he put together no matter how he'd choose, what path he'd take, it would turn his heart a stone, destroying by the ghost's words the other time. But then, he took a glimpse at the resting woman, at his Maddie, silently sleeping unaware of another being's presence in the room, only lost in a dream-world her mind created. For a moment, he wondered about the possibilities, about the alternatives, but then, hard, Vlad realised it was out of the question.

He never felt his limbs as heavy as he stood up from the chair, earlier placed beside the hospital bed, to mean support Maddie after the loss... And he never felt more hatred towards anyone – even towards Jack – that now took over his entire body about the ghost.

"I really hope, you are able to see your so cherished future now." Vlad cursed, the sourness and hurt suffocated him from inside as he took a step towards the greenness.

"I do." acknowledged the Master of Time, but not spilling anything else, what it would mean or how things would turn out. But Vlad knew even if the ghost was aware of some outcome, he wouldn't be informed about those. As Vlad disappeared behind the gate between the two realities, he took himself a promise, to somehow, when everything had settled, whatever it would take, he would find Clockwork and claim justice.

[florencefallons]

Life and Stuff

August 10, 2020. The the first day of the most insane month of my life. Of course it would happen in 2020. I hope you’ll forgive me for using this platform as a means to get the thoughts jumbled around in my head out into a more organized form. I rarely ever even use this platform anymore. When I do, it’s to reblog pictures of Carol Burnett or Barbara Stanwyck. The occasional Emma Thompson photo. Never to sit down and spill out everything on my mind into what, very likely, will become a novella on its own.

I’m not a prolific speaker. I trip over my words. I say “um,” and “uh” a lot. My brain is moving at twice the speed of my mouth and my poor mouth can’t keep up. Therefore when I have things on my mind, like I do today, I can’t just talk about them. A) Who would I talk about it to? and B) Even if I had a place to talk about these thoughts, it would come out all jumbled up and I’d end up sounding totally ridiculous and having said nothing I wanted to actually say.

When it comes to expression, writing is where I’ve always excelled. Excelled is a strong word, but when you compare it to other forms of self expression, it’s the only form I am able to use proficiently. I don’t have a vlog or a youtube channel. I don’t have a blog that reaches people. I have no voice. No influence in this world. But I have this platform and it allows for posts like this, and for once, I’m going to use it.

As I said, August 10, 2020 was the first day of the most insane month of my life. More has happened to me in this one month span than has happened to me at any other time in my life...and you’re hearing from a person who was injured on the job and has had a fractured spine and 13 surgeries. I’ve been through some stuff. Nothing with the intensity and frequency this month has thrown it at me though. This month has resulted in seven major events that have deeply impacted my life in some way. Nobody is being forced to read this. In fact I expect most will see its length and scroll past it faster than a fundraising ad for Donald Trump. I do hope SOME of you will take the time to read it though. I’m mainly writing it for posterity. To have a place where this month is recorded, so I can come back someday and remember it. So, with that being said, here are the things that have happened (or are soon to happen) in this 1 month span. Listed in chronological order.

1) August 10, 2020. I was in my 2nd week of work at the new clinic our hospital opened. Working for the largest hospital and clinic system in the state, sometimes our clinics outgrow our ability to contain them. My job was in the neurology clinic. I worked as the nurse who took care of all the multiple sclerosis doctors and nurse practitioners, while answering all the patient questions, emails, and voicemails. We’re looking at about 2,500 patients on the generous side of the estimate. Needless to say, I was busy. It was said many times by coworkers, by the doctors I worked with, and--admittedly--by me, that the job was a two-person job. It was too much for one person to handle. I was drowning fast in a mountain of paperwork that needed to be filled out, messages that needed to be answered, phone calls that needed to be returned. I’d accomplish finishing, say 25% of the work, and 50% more work would come in. I was at the end of my rope. 

--Let me interject here by saying that, over the course of the 16 months I worked this job, I had to start seeing a psychiatrist, I had to start psychological therapy with a licensed therapist, and I was started on no less than 5 new psychiatric medications. Once the correct balance was found, I was reduced down to only 2, but regardless, I think this fact alone proves the point that the stress of the job was getting to me.--

I finally looked at the mountain of work in front of me and I broke. I set up a meeting with my boss, the director of nursing for all of the neuroscience service line (that covers 6 clinics). We met, and I told her “You told me to be open and honest, and to come to you whenever I have an issue.” She agreed. I went on to tell her that I was losing my mind. The workload was entirely too much to hold over one person and needed help. Desperately. I was constantly being interrupted by people needing help with this or that, which was fine. I don’t mind helping anyone, I love it...but it took away from the time I had to do my already overwhelming job. I may have cried some, I don’t remember. 

Her solution was probably the worst idea ever put forth, but I was so devastated and down and overwhelmed, I didn’t really even hear anything she said after I spoke my piece. Her suggestion was that, if our clinic was too hectic for me, I needed to transfer to the new clinic. It was an epilepsy clinic but we had 2 multiple sclerosis providers there too, so I could go there and be the MS nurse there. At that moment, that sounded like a great idea. Fewer people=less stress. Yeah, no. Once she sent me over there, she decided with me being there, they had no need to keep our patient care tech there. So she took her away and made her work at the main campus, where they have tons of patient care techs. That left me and another nurse who, due to a bad knee, did very little that tinvolved getting up off his ass and helping out with goings on in the clinic. He much preferred to sit in his fancy chair and delegate duties to me from there. I was younger, I was newer, and he was--in his mind--the charge nurse.

So, thus began the saga of my doing at the new clinic, the job that THREE DIFFERENT PEOPLE did at the main clinic. I was forced to triage (get into a patient room and go over everything to make sure it was up to date) every patient, draw labs on every patient, all while trying to do the job I was ACTUALLY hired for, which was answering phone calls and returning messages. Which was a full time job on its own. Needless to say, my “new’ duties took all that time away and all my stuff went unanswered. I kept getting harassed by patients and managers that stuff had been sitting waiting too long to be done. 

Mr. Charge nurse, from his chair he never left, didn’t understand what all the fuss was about. “It’s not that bad here” he’d say. Sure, if you never have to get up and do anything, but for me, it’s very hard. I have to do all the job of a PCT (getting paid nurses’ wages by the way) along with a job just as busy as the one you’re having to do. I’m expected to do as much if not more in the computer as you do, yet I never have time to touch it because I’m always triaging patients (half of which are YOURS) and drawing all the labs. Well of course he disagreed and said he helped and I was overreacting. By that he means he maybe got up once or twice a day because someone needed attention and I was still busy in another patient’s room.  My boss would berate me, asking why my inbox was sitting there so full and nothing was being done. 

“WHEN DO YOU WANT ME TO DO THESE THINGS *Insert her name here*??? I spend my entire day, I mean my ENTIRE day, doing the job of a PCT and you’re paying me to do the job of an RN. “Well, *insert his name* says he helps you.” That’s a damn lie and he knows it. He thinks that he’s the charge nurse, he’s older, and he has a bum knee (mind you I have my entire lower half of my spine fused so don’t give me that “I have hardware in my knee” bullshit. I’m full of titanium too. Fight me.) Well, help was refused, the other nurse was just told to try and help more and that he was not the charge nurse, that our clinic didn’t HAVE a charge nurse since there were only 2 of us. Well, he got so butthurt over that, he interviewed for a new job in the same building as our main clinic. He was offered the job. He was getting ready to give his notice and I was literally at the end of my sanity. So I turned in my notice to my manager on August 10, 2020. I told her I couldn’t keep doing the job of 3 people by myself and it was too much I was through. My doctors begged me to stay. She asked if I was sure that’s what I wanted. I said it wasn’t what I WANTED, but I can’t keep working like this. So I really don’t have a choice. “Well we don’t have the staff or money allocated to give you a tech if you’re over here.” So I shrugged, said I was giving her 4 weeks notice and I’d have to leave.

This was a Monday. On Wednesday, she came back and not only gave our tech back, she gave (*insert his name here*) everything he wanted, because she’d caught wind he was getting ready to leave too and she’d have no nurses at the clinic. I told her I’d retract my resignation if she would let us keep our patient care tech, because with her, I have time to actually do my job. She all but said “OK” and to give her a definite answer on Monday. So I did. Monday I told her I’d stay since we had adequate help. Well apparently she discussed thsi with her boss and came back at me with “Sorry, but all we can accommodate is an as needed position or you can extend your leave date and stay on full time until your replacement is hired and you can train them to make the transition easier.”

Are you freaking serious, bruh? “As needed” meaning “free reign to fire you with no consequences when we don’t want you anymore, plus all my benefits would be taken away.” Or, I could “stay and help train my replacement.” Are you out of your mind? Then what? Fuck off into the sunset, your job here is finished? I think I’ll take a hard pass on both those options. My last day will be September 4.

So, while going through all this I was being tested and was diagnosed with not one, but two life-altering disorders.

2) First, I was diagnosed with severe attention deficit disorder. I was told I’d actually had it my whole life based on testing and had never been evaluated or treated. This would have been the 1990s when this started, and I found out my parents were approached about the possibility I had ADD. I made excellent grades, but had major problems with impulse control and talking too much and paying attention. My parents dismissed this suggestion. They did not--and to this day still did not--believe ADD was a real diagnosis. They said ti was nothing more than kids who needed their asses beat and they’d learn to behave. I could not possibly be one of those hyperactive kids who suck in school and just all-around do poorly. I did too well in school. I was told to pay attention more and stop goofing off. I was threatened with spankings if I messed up. So I worked really hard to stop my impulses from taking over. And I did, some, but not always. I got punished quite a bit for things I did in school. Not on purpose, but it’s how I was. And now, as an adult, I was still struggling with impusle control and with paying attention. I still struggled in prioritizing tasks and organizing things. I could never figure out why my brain wouldn’t let me do those things. My PCP said I had ADD--he KNEW it--but I had to be diagnosed by a licensed psychotherapist. So I went and was diagnosed. And it changed my world. It was a lot to process, knowing what I went through as a kid and knowing the punishment I went through for something that was not my fault. I wasn’t abused, I wasn’t mistreated. If I’d been treated for ADD as a child though, I might not have just done well in school, I might have kicked ass. I might have been valedictorian rather than 6th in class to graduate. That was hard to swallow. Yet a relief at the same time.

3) Went to the sleep clinic and got a take-home sleep apnea study kit. It came back positive for sleep apnea. My oxygen was dropping to 70% at night, which is basically hypoxic, and the reason I’m probably so sleepy all the damn time. As soon as I get home from work and get settled, I fall asleep for at least an hour, maybe 2. I haven’t always done that. I used to have trouble sleeping to the point I needed Lunesta for help (although the taste was so bad I rarely took it).Sure enough, I need CPAP when I sleep to help keep my oxygen over 92%. They told me I’d feel better almost instantly. So I’m hoping to go see them next week about getting my machine. 

4) My friend’s little 4-year-old niece died. She was a special, miracle child who touched so many lives it’s insane. She was a beautiful soul. I never met her but her death affected me profoundly because her aunt posted so many photos and videos online. I felt like I lost one of my godchildren or something. It hurt. I can’t imagine what they are going through.

5) My uncle Jerry died. The day after the little girl I just mentioned. I can’t even attend HIS funeral due to COVID and the risk of contamination. My mom is  on a chemo drug for an autoimmune disease that destroys her immune system. So we’re trapped away from everyone (if I want to see my mom that is). 

6) My last day of my job was today, September 4, 2020. It finally came, my time there is done. 16 months of hard work down the toilet. Because of poor management, shitty leadership, lack of care or respect for employees, etc. I offered to stay, but my offer was rejected as it was given. It just served to remind me I made the right decision, even if it was a bit rash. Several others have quit or gotten fired so staffing will be interesting. My old “charge nurse” is about to learn what getting off your broad butt and helping is all about now. They aren’t sending him ANY nurses to help him next week. I’ll be honest, I hope the whole thing blows up in (insert name here)’s (my director’s) face. she is trying to run the neuro clinic like she runs her other clinic--which is TOTALLY DIFFERENT. I thought she’d be good for the clinic, turns out she wants to get rikd of EVREYONE who has FMLA-Anyone who has permission to be off work without fear of repercussions. She wants a bunch of “as needed” staff so she doesn’t have to hire full time people, she doesn’t have to pay anyone benefits, and she can get rid of them whenever she likes “your as needed position is no longer needed,” without going through all the bullcrap red tape the state puts you through to fire anyone. Anyway, bottom line, today was my last day at a job that--the job itself--I loved. The patients I loved, the doctors and nurses I loved, and my coworkers I loved. I have never left a job I loved. It was 100% management. My main doctor, the medical director of the service line, did not want me to leave and keeps asking me to say. I had to explain to him I tried, but they refused. Broke my heart. He’d take me back in a minute though, if the situation at the clinic ever changes. I hope it does. He was the most brilliant, kind, generous, respectful, patient, and dedicated man I’ve ever met. He taught me a lot. I’ll take a lot of what I learned from him with me wherever I go.

7) The final thing has not happened just yet, but it will be very soon and I’m already dealing with it. So September 7 is the 1 year anniversary of the death of my best friend. I still miss her like it was yesterday. Time has, as they say, healed some of the wound, but not all. Every now and then I get slammed with the realization she’s gone. I’ll never see her again. Talk to her. Hug her. Laugh with her. Ever. Again. And I cry and suffer with it all over again. That is happening less frequently, but it has picked up again now that 1 year is approaching. I can’t believe it. My best friend has been dead for 1 year. The 1 year anniversary of the last time we spoke was August 20. It hurts so much. But slowly, over this year, I’ve started dreading getting up in the morning a little less, I can breathe again, a little. I can laugh again without feeling guilty about it. I’ve finally hit all the 1 year milestones with her death (well, as of 9/7). I’m going to her grave this weekend to place some special things I purchased in honor of her 1 year anniversary since her passing. Damn I miss her so much.

So, this month--this whole year technically--has been a lot to process. A lot to find out, a lot to digest, and a lot to grieve through. I keep thinking “it can’t possibly get any worse, maybe things will get better now” and it always does. That trend for 2020 doesn’t bode well with the election coming up. That makes me so nervous I feel sick. But I refuse to get political here. If you’ve stayed with it this far, you have tremendous stamina and I salute you. It’s taken me hours and several breaks to write thanks to my ADD and just being sleepy and falling asleep in the middle of typing. But that’s it, my month inside the year straight out of hell. 

[yungcz]

My Last Summer

Okay so here is a true story of mine, not sure what to make of it and it still makes me wonder about everything spirituality and energy related to this day.

The story on how I "sold my soul"?

It all started about almost 2 years ago, I was in my old home town, well not really my home town but somewhere I lived when I was younger, I had a lot of family there so going back and visiting was a part of my yearly routine.

So I'm in Tofino (literal name of town) walking at sunset with my older brother, as we are walking in the downtown area we come across an old homeless man, he introduces himself and right off the bat starts talking about the devil, I can't remember too much of what he had said but something that stuck with me was this "never sell your soul to the devil, or you'll end up with scars like mine" he says will holding up both his thumbs and grinning ever so slightly, it was quite spooky but at the time I didn't believe in spirits enough for it to actually scare me... Until a year later.

Alright so about 2-3 months prior to that summer I started diving into the deep end with conspiracies, and other things alike, so much so that I actually tried to sell my soul, I never told anyone about this, but I pretty much wrote my name, date of birth, the time and date and a list of demonic names I gathered through my research. Please try not to judge to much, I like to think of this more as a "science experiment" rather than for any personal gain this may have given me or might have, but of course it had to be authentic; on the same peice of paper I had started doing some quick math that I made up, I was also deeply interested in numerology, so I had practiced a lotbwith my own numerology, prior to this event. As I gathered up number information on my peice of paper (over the course of about 2 weeks) I had used an algorithm that interested me, also one that I had made up, and used it to put my puzzle of numbers together. So just a recap, on this paper had everything about myself, date of birth, full name and I boiled my list of demons down to one, the one I could invest this experiment into, the one I would hope would give me results, its name... ZoZo. I then proceeded to add my numbers to the page and add them using my algorithm (the algorithm is intended to give me a time, or a date) I pretty much used the numbers that appeared most throughout my 2 weeks.

After all of this very precise work, and careful thinking and planning of this ritual, I had my letter. Also the algorithm went little to nowhere, I believe it was close to events that were related but, I can't rememebrr. Now notice if you look online, there isn't really anything you could find to help you "sell your soul" so basically I went as personal and realistic as I could imagine, also adding my own energetic twist with my algorithm. Never try this. I have not been the same since.

With my paper and countlessly repeating a "spell"(I say spell for lack of other ways of describing it)

I then proceeded to chew the paper until it was a small ball of wet, well paper, wet paper lol.

I asked for wisdom and guidance in life, also the protection of all my loved ones, for my soul, I figured this was the best thing to ask for, if I would ask for anything. Also guidance into what ever the spirit world is, and help in figuring out what exactly reality is, that sounds stupid I know, but I was having an existential crisis at the time,  religion and science wasn't doing it for me, I knew/know there is so much more to life, that we as humans have untapped potential, and have the capabilities of unlocking things unimaginable to the mind, things we are born knowing to be true, and that I believe we could alter these elements/energy. So I asked what I thought would be the best thing to ask something that is supposedly an old, old spirit, I asked it for wisdom and guidance, not literally, I wouldn't speak with this thing, more or less I asked it to provide hints in my future, through numbers and patterns, to help me understand life. Also how to understand the patterns of life and in life. But like I said, I had no results, and forgotten all about it... until last summer.

Now before I get into the main part of this story, I would like you to keep an open mind about what I'm about to tell you, and do what you will with the information, I don't ask you to agree or disagree. Honestly I have been carrying this around for a year now, and I sincerely would just like your opinions, nonetheless if you find a way to think about all of what I talked about, and find a way to deconstruct it and come up with a realistic answer, I would honestly love to hear it, this was my own little brain teaser, in a way, trying to decipher and come up with different ways of thinking about all of this, that just made sense, until it drove me mad, and I ended up having to brain wash myself into forgetting most of it (which has taken/took about 6-12 months), or coming up with different viable explanations for it.

So, last summer.

Last summer was a long one, I was invited to work in Tofino at a family run business, I'm 16 at the time and turning down a summer job in Tofino would be madness, especially since I would be living in a bachelor pad by myself, I was a drug abuser and on the verge of being an alcoholic, but I have good work ethics and I'm a pretty good people person (since my dads job was pretty much talking to people and giving lectures, I was well practiced in social situations), so getting the job was that much easier. But back to Tofino, I saw the opportunity for a party filled summer with as much drinking and smoking I could imagine, I smoke weed and have been since I was 11, picking it up around the age of 13-14, but now I was mixing in tobacco, I brought my bong with me when I left for the summer, I probably went through a pack of cigarettes a week, and got drunk ever day or every other day, so I give my bad habits credit for inducing me into a psychosis, or at least this is what I was diagnosed with at the hospital, that's later in the story. So the job payed well, and it was summer in Tofino, so finding somebody to boot for me wasn't hard.

The first week:

The first week wasn't hard work wise, I was in the sun and it required lots of exercise so I loved my job. Until one night I was bored, bored with drinking, smoking and all the rest, I needed something to do, I was staying in the upper level of my grandfather's wood work shed, and I was feeling creative, I decided making a small canoe would be a fun way to spend my time, and would pay off when I showed off my awesome carving skills to my grandpa, turns out I'm not as good as I think... I ended slipping and slicing my thumb directly down the middle, it didn't hurt really, I was just frustrated because I had no bandages, so I had to make some, it was pretty rough, especially since my job required my hands to be in working order, but I made it work. About two weeks after the incident, it was pretty much healed completely, only a small part was unhealed. And that's when I started craving fish, so I decided to go fishing, thinking about cooking it made my mouth water, I made a spear, and would borrow my grandpa's fishing gear, all I needed now was bait. I remembered back to when I was younger living in Tofino, being told that dock worms are the best fish food. So I set out as fast as I can, headed to the docks. It's a gloomy day, not out of the ordinary for Tofino, I just thought I might let you know. As I'm getting the bait, I notice that when there is any movement in the water, the worms dive down, I forgot this and proceeded to harvest 3 worms with ease, after getting them out of their tubes, I found out that I barley got the heads off of the worms, left with inch sized bait I knew I would need more, and I would have to be faster, after getting two that were decently sizedd, I went for the biggest one I could find, as I inspected the worm, I noticed it was right in the open(usually they stay in patches, making it harder to harvest them, because any disturbance would make them all immediately shoot down into safety) as I said before this one was big, about 4-5 inches, and had about a foot of space between it and other worms on either side of it. I was excited, with this I could catch a big fish, and so I proceeded to overthink the amount of force I would need to harvest it, with my knife it was pretty much like a hot knife through butter, I ended up actually cutting my other thumb right down the middle, and this one is even deeper. so know I have two vertical cuts on my thumbs from tip to the first Bend in my thumb, and no fish because I had to check if I needed stitches, I didn't, just ended up using rope and cloth. Although you would've thought I'd be all "Holy shit the guy said this would happen!" But it didn't come to mind, not until a day later, and boy did that shit ever excite me but terrify me at the same time, I literally could not believe what had happened, and the thing is, one was just perfectly healed up and the other was about half an inch deep. I quickly enter panic mode, I'm alone and explaining this all to somebody was not on my to-do list, so I did what any sane person would do in my situation, I entered ceremony mode, every moment was a lesson to be learned, everything that happened either meant nothing, or was a teaching waiting to be learned, you may ask yourself "weren't you terrified?! What if something has attached itself to you?!" Or "are you fucking stupid?" Well you'd be goddamn right because that's what I was asking myself at the time also, but I was damn proud of myself, my experiment had a lead, and I was destined to have more things come to light that would help give an explanation or, help me figure out what exactly I've done to myself, or rather "did" to myself.

Okay so this part I'll sum up nice and fast, because this story is long, in the coming 2 weeks after this incident, I proceeded to have over 10 different near death experiences, 4 of them occuring 4 days in a row, and the rest spread out through my week, just to keep shit interesting I guess. I'll tell you what happened in 4 of the days.

First day:

As I was biking home from a kind day at work, I found myself basking in the sunlight, absorbing every bit of the moment as I could, I felt good, but I was cocky with my biking skills, as I passed by a long stretch of black berry bushes that went deep into a ditch, I stupidly was going back and for forth, sort of how a snake would slither, I ended up going right off the path and horizontally into the ditch, I didn't even have my helmet on that day. As my bike was nearly fully in the bush, I leaped off to reach for the sidewalk, and managed to only get a small scrape on my hand from hitting the concrete and pebbles, nothing compared to what would've happened if I fell directly into it. The craziest part was, as I picked my bike up, a dandelion was caught in the bike chain, right at the very top of it, as I was fixing the chain, I checked my hand, only to find 4 small dots, what shape were they in? Well thank you for asking, THEY WERE IN THE SHAPE OF A GODDAMN FUCKING CROSS,  I'm baffled, fucking lost it, I couldn't believe what I was seeing, right after the events to, it had to mean something.

The second day:

Now this is kind of backwards in comparison to the other story, I was riding to work, and for some stupid fucking reason, I decided to close my eyes, WHY? good question, idk I like to live life on the edge, after opening my eyes, I noticed I was about 10 seconds from going head on into a moving car, my bike was literally facing it and the car was facing me, I again, didn't have my helmet, if I didn't open my eyes when I did, well you know.

After that I decided it's best to always wear a helmet, or have it on me.

The third day:

So, the house I was staying, well more like shed, had a toilet and shower, god I felt lucky, the only thing was, I had to turn this nozzle to flush the toilet, and I and to turn it off so it wouldn't flood the bathroom, like I said I smoked a lot of weed, I ended up flooding the bathroom 16-20 times, fuck. The third time it happened, was the morning, I left it on the might before, and also my bathroom was located right at the bottom of the stairs that lead up to my room, so my jolly go lucky ass decides getting down the stairs as fast as I fucking can is top priority, I end up leaping down 3 steps, slipping in what is about 1/2 an inch of shit piss water, landing directly on the side of my body (luckily) and barley missing direct floor to head impact, I'm in shock, I couldn't actually tell if I hit my head or not, so this was scary for about 30 seconds, wondering if I and a conclusion or not, I got up and I felt fine, other than my shoulder being sore, I was aces. I actually ended up somehow fucking up the plumbing do bad my entire tub FILLED WITH PURE FUCKING SHIT WATER, THIS IS NO EXAGGERATION THERE WAS CHUNKS OF SHIT IN MY BATHTUB, and on top of that I had no place to wash my clothes, so for about 3 weeks I had to use the same disgusting sewer smelling clothes, because all my other clothes smelt like piss and shit from the other times I slipped in toilet water. And I couldn't use the toilet, for a solid week. And for those wondering yes I cleaned up the flood every single time and paid for all the cleaning tools to do so, I did my best to clean up with tub but I was kicked out before I finished it, I felt terrible, I nearly did enough water damage to the floor that my grandpa would have to renovate it, what was supposed to be a fun summer turned into hell. Literal fucking hell.

But weirdly enough, not enough of it actually fully registered with me, I was pretty Zend out and dealt with each problem as effectively and efficiently as I could, and handled it well mentally. Luckily I cleaned up each flood fast enough to prevent the renovation, also the plumbing wasn't entirely my fault, apparently the pipe was crushed from cars driving over it, so it was nice to know it wasn't entirely my fault.

And finally.

The fourth day:

I'm pretty sure I had a brain hemorrhage, I was drinking a lot, I mean lot, so much that I was still tipsy in the afternoon after a night of drinking about 8 beers (high alcohol percentages) I didn't puke or per before I slept, when I woke up I woke up to the sensation of smelling death, literally, it was a cross between my breathe, my dirty clothes, and lack of water. Later that night I decided to drink again, ended up going cross eyed and forgetting the rest. With all the stress I was going through, abusing drugs was not helping at all, I ended having a slur for a week, and not being able to think properly for a couple of months later. When I say I had a brain hemorrhage I'm not sure, I just remember immense pain in my head, and a feeling of numbness through out half of my body for a couple minutes at a time.

So that's probably the freakiest part of my story, other than all the hallucinations and the mini psychosis episodes I went through, this next part haunts me to this day.

I'm laying in bed, it's my day off, I remember being there and hearing somebody open the door... Sometimes my grandpa comes to do work, but he answers when I call for him. So I'm laying in bed, listening carefully, not knowing who or what's happening down those steps. I then hear foot steps, almost like if somebody had sandels on, they walked a couple steps, then skipped two then 3, I could hear that they were right out of sight but nearly at the top of the staircase, frozen in terror, I can't find the words to say anything, I honestly thought I was being robbed, or somebody had broken in, I yelled to see who it was, I have a deep voice and if you didn't know me i would probably sound pretty menacing, no answer... I yelled again and asked them to show themselves, No answer again. I then told them to leave, and that they weren't welcome here, and for fucking fuckSakes out of all the goddamn things to happen, I heard a fucking screech, A FUCKING GODDAMN SCREECH, I'm immediately thinking that I'm just having auditory hallucinations, I mean from all that's happened and the stress, it's all that made sense, I then shakingly laid down and waited, trying to relax myself, then just as I'm relaxed, I hear foot steps going down the stairs, and walk directly under neath my fucking bed, I wait and listen, all I hear is malevolent growling or something like that, and scratches, so many fucking scratches, this continues for about 2 minutes and it stops, suddenly everything is quiet. I summon the courage to go and check what had just happened, all that I see when I go downstairs is the door wide open, with my key still in the lock, I felt so stupid, but I forgave myself and tried to move past what just happened. I left the door open with my key in it 3 times when I was there, nothing else happened.

This is so fucking awesome I think to myself,

It actually worked, my experiment was successful, but I wasn't done, now I had to undo whatever was done, and deal with what else was to come.

If you hadn't noticed by now this story is hard to follow, the timeline is very broken up, contact me for any questions. I'm going off of memory and my memory isn't that good all the time, I practiced telling these stories when it happened, so I could in the future, I also told my closest friends the darker things, so I wouldn't forget, I was also smoking a lot of weed, so that didn't help either.

Over this time period (1 month in tofino) I also became the most spiritual I've ever been in my life, also, I began finding sticks, not just any ordinary sticks, but sticks that resembled wands, I've always been obsessed with magic, and these were very special looking sticks, especially when this was all happening I got more creative in finding things to store energy in, positive energy, to protect me.. I found 3 identical sticks, one was completely white, the next was more sticky, it had bark but was white, sort of like a cows hide, the third was completely brown, I found them before the interaction with the thing that went up my staircase... After that I got bad vibes from them, really bad vibes, so I broke all of them into even pieces and threw them out my window.

I then got a sixth sense, something was telling me that my real wand was in the forest somewhere waiting, plus who doesn't want a sick ass fucking wand?? So with my hopes up, I waited for the perfect moment, when I knew my stick was near by. The shed I was staying in was on a small mountain that was on the edge of a cliff, also surrounded by trees, so finding a stick was easy, but finding my stick, that was a bit more tricky. About 2 nights later I had a feeling I knew exactly where it was, my wand. It was pitch black in the night and I vouched to myself I would check tonight, so I do what I always do, I go out for a toke (smoke week and tobacco from a bong) and I went to where I thought it would be, thankfully to my sixth sense, I found one of the COOLEST fucking stick wand things, when I say this, oh god, it was so cool, I'll explain why, so you know how I got those cuts on my thumbs? Well this stick has two parts that act like a handle, and also they match up PERFECTLY with my thumbs, and at the end of the stick is a snake like tongue (I'm the year of the snake) after finding this, I decided to try something out... Now I know, for you sceptics out there this is going to seem like over the top bullshit, like grade A fucking bag of horse shit, but it's the truth. And I'll say this, there is other things I did to try and test the wand out, to see if it had any sort of power, in my research it did not. But something was different, I got this feeling that, that I wasnt using is properly, so what I did was I put positive energy into it, and I let it be in a hidden place. I left it there for about 4 days, then on the day that felt like well, the "one" I decided to do something with it. I wanted to make a swirl of clouds or something like that of a tornado, I know right? Fucking easy, lmao nah but I had no idea how to do this, so all I did was, get my mind completely clear, and then I pictured my mind's energy being transferred through my thumbs into the stick.

I then pictured myself forming a tornado, I started to move my wand in the way a tornado would. It took 3 or so tries before it felt right. I felt so weird about it. But I had to believe, it was the only way to get any form of result, at least that's what I found helped me to get results.

A little back story before I continue, my shed is surrounded by trees, not only that but it's home to eagles, crows, ravens and seagulls, but mostly crows, I actually became friends with them, I would whistle and they would respond, I know how smart they are and I respected them, there was even times when I would come back from work, they would jump from powerline to powerline following me home, or even fly back to the house when they saw me, but they usually just waited for me close to home, and then flew back to the house. Most amazing experience in my life ever.

But back to the story.

I've just finished casting my tornado spell or whatever the fuck my psychotic ass just pulled off in my bedroom, and decided to go outside for a bike ride. I decided to go out of my way to a far away dock, as I arrived to my amazement, there was two giant heard's of crows flying high up in the sky, both packs of birds (probably 30 or so) were flying in this sort of tornado like pattern and soon after formed a giant swirl of one for the most beautiful things I've experienced, I still to this day can't explain it, I'm also too embarrassed to talk about it with anyone, fear of ridicule I guess. But I haven't found a use for the wand to this day, I still have it, but I respect it, it's more or less a momento of the summer, I nearly destroyed it after I got back home, after being kicked out of my sweet Tofino pad, haha nah I wanted to leave it was cool, I would've stayed but it was out of my hands, almost hooked up with this amazing girl to solid (8/10 blonde), kinda fucked up timing if you ask me, but oh well, there is so much more I could talk about from what happened in the summer, but I covered all of the big stories.

So back home.

After all of this I'm feeling good, fucked up as fuck but good, I got clean clothes, food in the fridge, a place I can bathe (I wasn't for about 3 weeks) and a comfy bed, also no work and there was a month left of summer, amazing.

I had a lot of realizations, and came back with lessons for myself, but before that, my parents were pissed.

Not only was I ignoring them about half way through the month, I basically blocked them, not answering phone calls or texts, looking back on it now that's probably the stupidest thing I could've done, but with all that happened who could've blamed me. fucked up part is, my dad is now harrassing the fuck out of me to get a job, while I'm already worried about school because I skip alot and I've failed classes, I don't blame him I'm just saying, I was in a sensitive place.

Okay also a year prior to this, before Christmas, I was involved in a car accident, nearly killing me or crippling me, I left unharmed. What happened was they T boned the car at about 70km/hr hitting the passenger side, not my door but the one behind me, just two seconds off and I would have been major key fucked. Ended going into 30k worth of debt.

Okay so I get back from Tofino and my dad let's me know that me and my brother are now 24k more in debt, originally only 8k or so. So now I'm stressing about debt, getting a job, and school, right after all that shit happened, like I nearly fucking died multiple times and I kept it all to myself and didn't tell anyone, after getting back I didn't want to either, I was still processing that and the new news. I ended up bottling everything up and becoming suicidal, still something I don't talk

Too much about nowadays, or at least I haven't elaborated about how suicidal I was with anyone. So school pulls up on me as I'm bent down grabbing the soap and prepares me for a royal raping. I now have a job at my old work (save on foods) and I've grown to hate my job a lot, I didn't before, but for some reason I couldn't stand it now. One day I ended up seeing how far I could go before I either blacked out or stroked out, I think that day I consumed roughly 80 cups of coffee, and around 30 cigarettes, I was having heart pulpitations and at one point the left half my body went numb and all I could see out of my left eye was a bright flash, I tried to get up but couldnt for a good 3 minutes. Decided just to go full limp and see if I'd make it or not, i was trying to fight the numbness and headache but couldn't.

After this I got up, found my balance, proceeded to hock up a handful of mucus and went back to to cash because my 15min was over.

Later that week at school my counselor had been helping me with classes and decided to dig deep into my personal life, I let her have it and told her I was "testing" myself with coffee and cigarettes to see how long I could go before something happened, and the next day she asked if she could take me to the hospital to have me checked out medically, I said yeah sounds like a good idea, it really did I felt like shit, so we did and I proceeded to have a mental break down, never once did I bring up all the fucking selling my soul shit, nah I'm not that stupid son. But I did bring up what actually happened, and how I struggled with depression in middle school, once writing a suicide note and another time making a video giving my farewells, I was in grade 6 and 7.

Along with my story of coffee and cigarettes I gave them enough juicy details to keep me locked up for a fucking month, they did tests on me to make sure I was okay, everything checked out, I was actually in optimal health. I won't lie it wasn't that bad, there was lots of nurses, like sexy ass nurses, and I ended up working out a lot in my room, I was up early in the morning and couldn't be on my phone, so everything was good except being locked up in a hospital, they ended up sending me to a troubled teens home were I stayed for about a week or two, finally got out and ended up dropping out of school.

Well I hope you enjoyed that, it took a lot of brain power and about 3 hours to write (nonstop) nearly cried but I'm feeling good about it, everything in this story is 100% true, message me for questions, or if you want some pictures of my journey, I'll even show you my wand;) also some bts of other things that happened in Tofino.

[turnyourworldupsidedown]

🏆

So I've been writing this for about 4 weeks, opening my heart and spilling thoughts into paper..... Heart on my sleeve; here goes.... 6 months ago I made one of the hardest decisions of my life. I chose to move church... It all began just over 3 years ago when I started to throw away my faith. Not all at once but slowly decided that I was going to turn away from God and attempt to run my own race. The fact of working most (if not all) weekends was the perfect excuse to attempt to cover it up. Work opportunities kept coming and I kept advancing thinking to myself "look, I can achieve it all on my own quite fine" I started to binge on work, thinking that I could fill the hole that become. I started to because personally sad, often. I felt empty. And started suffering outbursts of anxiety. However there was always this knocking, like a calm tap on the edge of my heart. No matter how much I attempted to ignore or deny it, I knew deep down that is was God wanting to come back. I made a conscious decision to ignore it. I was still going to church throughout this time, still serving and being involved but genuinely wasn't enjoying it. Skipping midweek band practice and showing up late to tech rehearsals on a Sunday became the norm. Blaming a busy life schedule to cover up how much I dis-valued It Then about half way through 2016 I made the decision to turn on God and stop trusting him with my life. The last half of that year was hell. Being emotionally destroyed I attempted to fill my body with worldly things but the only thing that happened was make the hole in my heart bigger.... The later half of 2016 life was getting harder and harder. The weather warmed up and I began to struggle getting out of bed for work. I had started to loose the spring in my step. I can't remember the exact day but one night between Christmas and New Years I remember sitting on my bed one night, having an anxiety attack at nothing but my own self frustration, still hanging onto the events of almost 3 years prior. It was in this moment that I felt the knocking again, like a calmness had come me again. It was God asking to come back in, I said yes, something that I had been stopping myself from doing. Still emotionally wrecked I was saved. I always knew that God had forgiven me but it took me that long to choose that moment to forgive myself. Saved, but not wanting to go back to church, I felt it was time for change... Growing up I always went to Hillsong conference each year with my family, Starting young when I was in Kidsong, making my way through Jam (now Y&F) and eventually after high school attending the main conference. I remember one year, about half way through high school I said to myself "if I ever turn from God I'll go back to the 'mothership' " (An affectionate term for the size of one of the biggest Pentecostal churches in the world) I had considered making the move initially 3 years ago but decided not too. Ultimately not moving caused more damage and harm than repair. However the past is gone and (Praise God) we can only look to the future. Anyway, 2017 kicks off... I spoke with my parents about my decision to move. For me personally it was not an easy decision to make, leaving behind almost 20 years of learning, friendship and growth behind. Mum and Dad were very supportive and came with me to the 6pm service. We made the drive out and parked the car about 5 minutes before the service started. By the time we walked in the service had just kicked off, confused on where to sit we struggled to find seats. My anxiety kicked in and I felt the unexplainable frustration that I would always find myself feeling. Before we knew it, a man tapped Mum (at least I think it was Mum, could have been Dad) on the shoulder, he obviously could tell we needed seats. Looking at Mum and holding up 3 fingers, Mum nodded and he signalled for us to follow. The man led us down onto the floor section of the packed auditorium and presented 3 spare seats. An act so small and possibly insignificant but I instantly felt the love of God again. I still to this day firmly believe that God organised for this to happen. Instantly my anxiety disappeared and I found myself throwing my hands into the air in worship, calmness coming over me and tears started rolling down my face. Filled with the HolySpirit once again I felt at home. I took this as a confirmation of my Faith in God. We decided not to hang around after the service but head strait home. On the way home I felt so light and amazing, chains were lifted, my heart was beginning to be mended. That week I felt hungry again, but not empty, hungry. Hungry for the word! I started reading my Bible, beginning at the front of the New Testament. I felt topped up and full every morning. However, thoughts, doubts and questions still flowed through my mind. Was my encounter a 1 off? Will I make new friends if I stay? Should I try another new church? Should I go back to my old church? Should I test out a different campus closer to home? Super confused at what to do another week of work went past. Sunday arrived and I went again to the 6pm service, again it amazing feeling the power of God during praise and worship and then awesome preaching. Literally knowing no-one was probably the scariest things about making the move. After the service I heading up the New Persons lounge, (Something that felt rather ironic) Someone said g'day to me and after a short chat took me up to a place where all the young adults hang out after the 6pm ..... Roof top party after church!??? Heck yes It was super fun, got introduced to some people and was welcomed openly. God definitely lined me up with some great people, I've quickly made friends which I know I will have for many many years to come. Big sound systems, bands, big praise and worship, flashy lights, lots of people are now all secondary to me.... What I've enjoyed most of my new Connect. Getting plugged back into a Wednesday night filled with great friends, food, chit chat and study on the word and solid prayer at the end has been the highlight. I certainly highly value this time, nor do I take it for granted. God has certainly blessed me a great CG! (Shout of to the boys) Praying for each other is definitely a central focus. We spend time every Wednesday at the end praying for any needs we might have and celebrating the joys, wins and answered prayer. Watching people pray for each other at the prompting of the Lord is so amazing. The other day I was in praise and worship and one of my friends came up to me and said he felt to pray for me, it certainly came from God as it was perfect timing just as I was crying out to God for a specific breakthrough, and the prayer exactly lined up with what I was asking God for help with. No alter call. No specific prayer and praise night. Just an open ear listening for Gods prompting. I actively see this all over church life and it is a super encouraging culture to be part of. I pray that I too will recognise this prompting when God gives it. Times and seasons I believe this season is also prospering because of the focus on God and not the Task. It's all about the balance. What's the reason?, What's the motive? The plain and simple, Why? If we're not aligned fully with God, how can we serve and lead others into his presence? That's when serving becomes work. Something I've learnt in this season is that having a close personal relationship with God is #1, serving him first and serving others then follows. Just being able to attend church and focus on my relationship with him has been amazing. Will I one day serve at church in production again? Who Knows? ...... God Knows..... and if he wants me too, he will open the door or prompt for it to be..... Currently waving to people while helping on car park once every 12 weeks is good for me 👍🏻 It feels amazing to have wiped the chains that had held me down for so long. I'm closer to God than ever and pushing to re-align myself, passing away old habits and desires and filling myself with him. I'm so excited for the season I'm in and the seasons ahead, trusting him with my life more than ever, He's got a plan When he speaks, A hundred Billion galaxy's are formed And he loves Me Saved

[furiousharmonykryptonite-blog1]

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"Monticello New York Cheap car insurance quotes zip 12701

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My son has a RS125 Aprilia and i am just looking for some cheap insurers, hes 18 on thursday. want Third party fire theft, and i also dont want to pay more than 600 please help""

Ii need a dentist with no money or insurance. ?

Hello every body how u doing? Me I'm good i just have a real deep situation i need help with. Okay I'm 33 year old female I'm here in san diego. I have had a rough life. Im n need of answers for dental. I haven't been to the dentist in years i need work. Its been so long and I'm inbarest to open my mouth. I'm not working and i have no money saved up. I live with my mom and brother which receive ssi so my momma and brother help me. And i have no insurance. I really need to smile again i don't kw where to start every thing neg shuts me down. So is there any answer for me.

Would it be the cheapest sports car for a teen?

Yes I know insurance is not cheap for 16 year olds but I saw the 4 cheapest sports cars to insure I saw a pontiac solstic and a mazda mx5 would these 2 be the cheapest for me to drive then if there the cheapest sports cars to insure I will be 16 soon and I live in nebraska

How can you get a car insurance estimate if you don't own a car and never have?

I just got my license a few months ago and may get a job in an area that is difficult to get to by public transportation. I want to find out how much it would cost me (roughly) for car insurance but I don't have a car (yet) and most sites I've found ask me a lot of vehicle information. How can I get a rough estimate for insurance, so I can figure out if it's even feasible for me to get a car. Thanks!""

How much would small business insurance be?

This is for a marketing assignment. The business is a small gardening and cooking school for children. There are about 8 staff and activities should be pretty safe, since they're aimed at young people. The business is just starting out. What the instructions mention is: 1.property damage 2. public liability 3. vehicle 4. theft 5. personal disability 6. professional indemnity Kids hire their own bus to come here and staff ust use their own cars to go to and from work, so does the vehicle thing need to be included? The building is just a suburban rental property that costs us $400 rent each week. Also, this is just a minor part of the assignment, so a guess is fine. Thanks for any help!""

What is the cheapest health insurance I could get?

I live in Nebraska, and am a healthy 20 something year old male who does not smoke or drink. I looked on google and found quotes for like 200 bucks a month! maybe that's cheap for a lot of people, but I was wondering if you can get something for like 50 dollars a month, with a really high deductable or something. I just want coverage against major catastrophies, like if I got cancer, or heart disease or something, so I'm not financially ruined. Any ideas? a year or so ago I remember coming across some cheap plans for like 30 dollars a month, but I can't seem to find anything like that anymore. Any help here would be greatly appreciated thanks!""

Family car insurance cheaper?

Hi, my parents currently have car insurance with a bank. they want to include me into the insurance. is there a family insurance bundle that is cheaper than individual car insurance?""

What motorcycle insurance i should get?

i am not sure wat i want cause like whose the cheapest one to go for

Cheaper insurance for full time students?

well this semester i am suppose to be a full time student, because my parents said it makes insurance cheaper but what happens if you withdraw from one of the classes, does the insurance go back up, or they don't know about it, and they assume your still a full time student?""

""If my aunt crashed my car, will my insurance cover it?""

I live in PA, and I have Progressive as my car insurance. I have full coverage, and I was wondering if they will cover the whole thing if it was her fault? Thanks!""

Looking for health Insurance?

I'm looking for affordable health insurance with good coverage and options for doctors. A PPO is okay but I'm looking for quality AND affordability. Dental and vision would be a great plus. Can anybody out there help me!?!

What is the typical cost of condo insurance in florida?

I'm trying to understand what homeowners insurance woul cost in florida for a 2 bedroom condo. I'm not ready to call an insurance company. I'm looking in Ft.Myers. Just want to know is it thousands of dollars and out of my range or a few hundrend per year. Say for a 75k condo.

17 year old student Car Insurance for a Ford Fiesta 1.25 or a 1.4 climate 2004-2005?

Insurance for a Ford Fiesta 1.25 or a 1.4 climate 2004-2005 I need reasonable car insure I have no no claims bonus and I am new driver. I have been quoted around 4000 fully com on a 4000 car. My budget for insurance is around 1400 full or third party. I am an A level Law student I will going to uni next year and I might use the car to commute to there

Monticello New York Cheap car insurance quotes zip 12701

Monticello New York Cheap car insurance quotes zip 12701

What are some good low cost learner legal bike with cheap insurance?

i'm 17 and i'm looking to purchase my first motorbike so i was wondering if you could give me some bike for less than about 2000 with cheap insurance?, but no rubbish Chinese bike because they fall apart""

What size alloy wheels will change the insurance of a car (read details)?

right i've been looking at cars to buy for ages now and as I'm a seventeen year old boy insurance is ridiculous as it is. Finding cars that i can afford to buy and insure is hard. I have found a few 'perfect' cars, however a couple of them have alloy wheels instead of the standard manufacture ones. I will quote my insurance website so you can help me out: Replacement of factory fitted wheels with Alloys of the same size this doesn't alter my insurance quote one bit. Replacement of factory fitted wheels with wheels / tyres of a non standard size or specification This means i cannot get insured at all; they won't have me with them. So my question is, if a 1998 Peugeot 306 has 16 inch white wolfrace alloys, does this mean i can't get insured or not? This might be a stupid question, just want to get it right, thanks for you time, means a lot Alex.""

Vehicle with no insurance MINNESOTA?

My girlfriend got pulled over tonight after having a brand new car for two days after selling her first car she drove for two and a half years, her mother apparently told her that she had 7 days to get insurance so sure enough we got cited for no insurance. I guess I was curious to know if liability covers her driving a vehicle without insurance? It probably doesn't but I know there is a form of insurance that does. If this is going to slide downhill I would also like to know some advice you have to word it nicely to a judge to help avoid a 30 day license suspension. I heard earlier tonight that in mn it's mandatory but I'm hoping not. Thanks for your help and time!""

Where I can get best auto insurance rates ?

Please find me a good web site to get some details about best auto insurance rates . For my research this data will be useful to me. thank you

""Can I get auto insurance coverage with my sister's auto insurance? (Boston, MA)?""

I will be visiting my sister who lives in Boston, Massachusetts. I will have to drive her car but I do not have my own auto insurance. My sister, of course, have her auto insurance (through Commerce Insurance) which has full coverage. The question is, will I be able to receive coverage (with my sister's insurance) in case I get into an accident?""

Whats a good car with low insureance and good gas mileage!?

im looking for a car that had good gas mileage and low insureance. i was really looking into a jeep and trucks and some cars.. that looked sporty.. but i know sporty cars have high insureance.. im looking for somthing that will be a good first car..but im not sure...

What raises car insurance premiums?

I accidently dented my roomies car with a scratch as well. I was told by a good friend since the car was parked if she took out a claim on it and she didn t list anyone who s at fault (in other words she doesn t know) that her insurance would pay for it. First is that true and if so, would that raise her rates? She told me it would raise her rates. Also she said all it needed was to be buffed, how much do those usually cost? She has a 2007 or 08 Saturn VUE. Because if the buff isn t that much it might not be worth it to challenge her. But there is a possibility the damage might be more then a buff can handle.""

Am i covered on their insurance?

I am a 17 yo male with a probationary class 5 license from Alberta, Canada. I am wondering if i am covered on the insurance on my grand-parents' car (from Ontario) in Nova Scotia. Thanks for the help""

Best car insurance today?

I just got my car licence.. and I'm looking for a place to inform me about car insurances. Thanks

""How much would the insurance be for a 2004 Range Rover HSE, for an 18 year old?

just an estimate thanks so much!! :)

Do i need to be on my parents insurance?

I am 16 and am going to get my license in a week. I have my permit already. I am going to a California DMV. My parents would like to know if I have to be on there insurance before i take my test. Also what I would have to bring besides my permit and my slip of completion of driving school. If you can please help no dumb answers.

Will my insurance agent report to my car bank that car is not covered no more.?

I'm with state farm. I been playing 190 monthly. Now they want me to pay 450 dollars. I just paid yesterday and my agent said my next due payment is due on 7th this month for 450 dollars. He said it was to be paid when I first got with state farm but I switched agents and now I am expected to pay next week. This is unfair and without fair notice. My insurance is going a cancle if not paid in weeks from now. What do I do. Is my car bank gonna find out car insurance got canceled. I was told it was 190 per month. I thought deposit was high but why 400 ?

How much does car insurance cost for a 19 year old girl?

Living in South Jersey. 2 years with a license. No accidents/ tickets. GPA 3.0+. Good credit score. For a used car newer than 2003. I just need a rough estimate. I don't want some insurance agent to call me for an quote or get random e-mails from insurance companies, right now before I buy a car.""

What would insurance be for me with this car?

2004 nissan sentra se-r, silver, 4 door, manual transmission. I'm 17 years old and would drive the car to work and school about 5 days a week. I have never gotten a ticket or been in an accident.""

How much does speeding ticket cost in California?

I got pulled over going 92 on a 55 mph because I went by to pass a slow car in front of me. I switched to the passing lane and sped up to pass. I was just wondering how much the ticket cost me. Does age matter? I am 18, and I'm wondering if that adds up the cost too.""

Affordable health insurance?

how does health insurance work? what are we really paying monthly? what are deductibles and premiums? my boyfriend needs health insurance he is 22 and a smoker and lives in nj he graduated from college already so he cannot get the school insurance and his job does not offer him insurance where can i find affordable heatlh insurance for him

What is the grace period to drop one car insurance company an get another 1?

My car insurance restarts September 24 I pay more for the 4month plan an want to switch. to a cheaper insurance company

What is an average homeowners insurance quote for a house in Oregon? ?

We are interested in buying an 1800 sqft house built in 2009 in the Portland metro area. Would $800 a year be an good estimate?

Who should I trust when it comes to auto insurance?

I am looking for Auto Insurance but want to deal a company I can trust.

Need help with auto insurance?

For those of you that have a sports car, how much do you pay for insurance?""

Punishment for driving with no insurance in ca?

car insurance. jw

I'm getting my licence next week and I was wondering how much insurance cost for teens.?

I'm getting my licence next week and I was wondering how much insurance cost for teens.?

Does auto insurance cover the vehicle or the driver (California)?

I work on a military installation and I'm required to have the appropriate decals on my car to enter through the gates. I went to renew my decals as they are only good for 3 years and I was denied. My registration has both my dad and I listed (since he paid for the car), but my insurance policy only has him listed because he foots the bill, but I am a covered driver. My vehicle ID number, make, model, and year is listed on both the registration and proof of insurance card. My name is on the registration so I thought this would suffice (especially because they already gave me decals/passes in the past). The marine I was speaking to said that what I am doing is illegal in the state of California and that I must be a policy holder in order to be covered. I always thought that insurance covered the car. Can anyone clarify this issue and reference the California Vehicle Code? I've searched and searched and cannot find accurate clarification. I wanted to be able to print something and show it to him. If I can't find proof then I can't get to work.""

""What is the best insurance for a single, 23 yr old female college student?""

oh, i'm looking for health insurance and definitely affordable""

17 year old male car insurance?

I am due to take my practical driving test in the near future and have been doing some research, hopefully (fingers crossed) i pass my test and all goes well there and i obtain my full uk license, but on websites like gocompare etc i pretended i had passed my test already to see what the quotes would be like, so i used a 1995 clapped out renault clio (1.2) and used my dads details as the proposer including his maximum amount of No Claims Bonuses with me as the 1 extra named driver, and it came up as 3500+!!!!!! so i took me out and it would only cost my dad 200 a year, and plenty of my friends drive around in flashy cars on their parents policies so they say, i mean how the f*** does anybody afford to insure anything?! Im just wandering if there is any point now because it seems a waste of money if i wont have a car. Many thanks for your answers :)""

Monticello New York Cheap car insurance quotes zip 12701

Monticello New York Cheap car insurance quotes zip 12701

How can I get cheaper car insurance?

Im 17 and just got my full uk driving licence and got a car it's a Subaru 2.0r sport but insurance is 7-8k for my own policy but 3500 if I am a second driver but is that Ilegal

Driving with no insurance with a car the owner insured in Illinois?

Okay so this might sound kinda confusing but currently my car is being repaired and the person repairing my car is letting me use his until mine's fixed. Currently I don't have insurance, but he does. In Illinois, would his insurance cover me if I got into an accident or would I get in trouble for no insurance?""

""If I open a bank account with USAA, will I pay less for USAA car insurance?""

I'm a college student who inherited USAA car insurance through my mom. I'm transferring to a 4-year Uni and looking for all the simplicities and money saving options available ie; overdraft protection, quick debit records, free atm anywhere, no monthly charge, online features........ pretty much everything USAA has standard. As of now I still bank with BOA, but it may be simpler and cheaper to bank with USAA... especially if they offer a price cut in monthly car insurance. Much thanks to those(asside from insurance salesmen or banking officials) with information. =)""

HOW CAN I CLAIM THE car INSURANCE to REMPLACE MY CAR?

I had a car accident and my car insurance covering third party only and them found me that was my fault I need to know how can I claim if there is any dealing, thank you""

""I just bought a new car, now i have to switch insurance?

how do i go about that. im right in the middle of my current insurance on my old car.

Can insurance companies keep you from getting a better quote?

Can auto insurance companies put some type of flag on your name so you can't shop for better price quotes? Someone at DMV said they can.

How can i find out if someone has insurance on me?

life insurance police

How much does an automatic 2004 Nissan 350z insurance cost in vancouver b.c?

How much does an automatic 2004 Nissan 350z insurance cost in vancouver b.c?

What is the best car insurance that you don't have to pay much in any state?

I live in NJ and paying half as my car cost...

How much would my car insurance be?(State farm Insurance)?

I'm a teen driver, and ill be 16 years old when i get my license. i'm a 3.0 + gpa or higher student and have had no issues with the law.i drive a 1997 mazda protege with a clean title (idk if that helps) I live in Portland,Oregon Car is 1997""

What the Cheapest Car insurance company in your area?

I know this answer can vary based on your driving record and other factors.

Can I be on someone's auto insurance policy if I don't live with them?

I'm 16 and I would have my first car if it wasn't for insurance. I got some quotes and the cheapest one was like 316 a month. Is there any way I can be on my grandparents' policy if they live 60 miles away? I go up there almost every weekend. Also would it be cheaper if I was on their policy versus me having my own? Thanks in advance.

How much would this car insurance cost?

say... a 17 year old with a V8 mustang.. how much per month/year do you think it'd be? assuming i got the cheapest deal i could

Easy ways to save extra money on car insurance?

i am looking at buying a evo ix (for those who don't know, it is the quickest car under 50K) and i am just wondering how to save some money on car insurance. should i be listed as a part-time driver with a parent, as i am only 20 yrs old. ????""

Would insurance costs go down if more people had a license?

A lot of undocumented immigrants don't have a license but would them getting a license help the insurance costs go down? I need actual statistics/ proof. It's for a debate we are having at school. Your help is appreciated. If your opinion is otherwise then don't post it. I'm only looking for facts. Thank you.

""If an accident is weather-related, will my insurance go up?""

Yesterday, I slid into a guardrail coming off of the interstate on the terrible snowy roads of Maine. $3,000 damage to my brand new car. I was told that if I file an insurance claim my monthly insurance payment won't go up since it was weather related. Is this true?""

I am a soon to be mom without health insurance.?

I have not had health insurance for 3 yrs now. Till now it's not really been that big of a deal because I'm a very healthy person and was able to pay for all of ck ups @ the doc. but now I'm expecting & I'm not going to be able to pay in full for prental care,& birth delivery of a baby. I have not gone to the doc because I would like to get on health insurance first & I'm scared if I go to the doc first insurance will say it was a preexisting condidtion & not insure me. The baby's father says I should get on Medicaid but he makes $6000 a month, & we live together, so I'm scared that he makes too much money for me to get on Meicaid & we can't afford for me to have any kind of insurance that is expensive. What is the best thing for me to do?""

How much would i expect to pay insurance on a chevy nova?

I might be getting chevy nova from a guy in town but i need to know how much insurance will b or else i cant get it.... i know there are a lot of variables it is rwd(obviously lol) and has 350cid engine.... i believe we have nationwide insurance so ya... i would use it as a an everyday car too...

How much should I expect to pay for car insurance? 19 year old African American in Georgia.?

Driving a 1999 jeep grand cherokee or a 99 honda civic. What do you think I should expect to pay?

How much would insurance be on property based business?

i have a few acres and was wondering what the insurance would be if i decided to open up a atv/rv park on my land~i would have a waver that made sure all that rode would be rideing at their own risk etc.plus any other limations you could think i might come acrross~

Insurance and Licence Plate?

So my mum brought me a licence plate for my car last year, and the latest I can put it on my car is the 17th July. If I pass my test this week and set my insurance up for it to start 2 weeks later it will cost me a lot less. Can I set my insurance up with the licence plate I have now, send the form off for my new licence plate, and then ring my insurance company up later and tell them that I've changed my licence plate? If they charge for this has anyone got any idea of how much? I know its slightly complicated, so if anyone doesn't understand just ask.""

I NEED HEALTH INSURANCE FAST !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...

i'm a 19yr old female, in california. i work part time at a retail store...i think i may have asthma, and i need to get to a dermatologist fast, cuz of my acne problem...nothing seems to be helping me...not even proactiv. but i don't have any health insurance!!! plz help me!!! i need to go to the doctors fast, cuz i have suffered an asthma attack recently and it completely freaked me out cuz i couldn't breathe...and my acne is getting worse. other than that, i think i'm fairly healthy...i'm 5'7, and weigh 140 pounds.... plz help me!!!!!!!!!! i need like the most affordable health insurance out there!!!""

""Receiving life insurance prodeeds, and my chapter 7 bankruptcy?

Can the trustee take my money that I will be receiveing from my moms life insurance policy?

Anyone claimed their Car a Wreak through their insurance before? what happens exactly?

Ok, so my car has Hail damage ALL over it from a recent storm. I am covered for insurance but i wanna know what to do?! i can't call them at this stage cos they call centre is down :( SO, if my car is worth $30,000 & the damage is worth about $5,000 - $7,000 how do they work out if it's considered a wreak or not? My premium is about $1000 (cos i'm under the age of 25) so what happens if they declare it a wreak? Do i just get a cheque and then they take the car? or what? If anyone has had their car considered a wreak through insurance before, please enlighten me :) Thanks x""

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""

Monticello New York Cheap car insurance quotes zip 12701

Monticello New York Cheap car insurance quotes zip 12701

My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?

He is receiving student aid in the form of scholarships and the pell grant for low-income families. I don't want him to be without insurance coverage. His only income is back child support that will end in a few months. What are my choices? Please help. Thank you. I only receive disability income from social security disability.

Where to find affordable health insurance?

I need blood presser pills but cant afford lab work or doctor fees

Looking for car insurance?

Im 18 and Ive only been driving for a year. No accidents or mishaps and Im looking to buy a car. However, I have to pay for my own insurance and was wondering around how much that would cost a month? And is it possible for me to be under my parents insurance (I still live at home) but with my own car? Would that be cheaper? p.s. I live in California""

How much is car insurance?

Im 16 and looking to buy a car and i want to know how much i am goin to have to pay for insurance.

What is the insurance cost per month for a 16 year old to drive a 2000 mustang GT?

Hi im 14 so i will be taking drivers ed pretty soon so my dad said to start looking for a high school car. I found this 2000 Ford Mustang GT thats only $7500. I just need to know how much the insurance would be because i know that sports cars have higher insurance costs than most other cars. If anyone owns a mustang and knows how much it costs or knows where i can get a quote i would really appreciate the help! Thanks!

Car Insurance : Average price for 40yr old female first time driver?

Just passed test. Quotes vary wildly online. Not bought a car yet. Looking at Nissan Micra's. What kind of prices should I be looking at?

How can the citizens pay the the deductibles for the only health insurance policies that are affordable?

I work 2 part time jobs and neither offer health insurance, so in 2014 I will have to buy some. One comparable to the one I had when I worked a full time job would cost $600 a month but would cover prescriptions with a $20 copay for generics with a $1500 deductible and a $4500 out of pocket maximum. That is out of what I can afford. The one I can afford is only $219 a month but has a $7500 deductible which would have to be met for any benefits and there is a $12,500 out of pocket maximum. If I got very sick I would be wiped out with that one, so it seems that I am in a Catch 22. I don't make that much money ($8 and $10 for the 2 jobs where I work 24 and 18 hours a week respectively.) Now I just pay the doctor out of pocket and I paid $375 this year for office visits and $150 for medicine. That was affordable and now I am forced to pay a premium in addition to the same amounts I paid for the same service. This thing is making me nervous. Affordable to me is no insurance. Give me a cyanide pill if I get a terminal diagnosis because being in the hospital and wiped out financially is not a good quality of life.""

Insurance for antique muscle cars?

Im 16 and i want an old 72 chevelle or a 71 nova but i dont know how much insurance would cost?

Best individual insurance health plans???

I'm 19, I'm healthy, healthy weight, all that. I want a basic cheap health insurance plan that covers regular check ups and vision would be nice too, but thats not necessary. Anybody have any suggestions???""

""How much, on average, is contents insurance?""

I'm attending university soon and I will be flatting. I want to get contents insurance for my belongings. I will be taking $10,000 worth of things with me (Clothing, Shoes, Accessories, Laptop, iPod, Bedding, Books, small shelves, clothing rack etc) What is the average cost for insurance per week? Any answer will help. I'm working out my budget! Thanks in advance.""

""Car insurance rate, Toronto, 18 year old?""

How much for a MALE 18 year old, 20 year old, and 25 year old would car insurance cost if you got your License when you were 16. In Toronto.""

Any place in CA that has cheap health insurance?

Please this is important. I need to know if any company sells cheap health insurance under $100 because my insurance got canceled because I'm not a full time student in college. I tried to apply right away but classes filled up really fast. And plus my ID expired and I was gonna get my drivers license before this all happened and I don't wanna pay $30 for both an ID and drivers license. My parents are gonna force me to get Tri Care insurance ($200 a month) if I don't find a cheaper company right away. And I don't wanna pay that much. Please help me, I'm so stressed out I'm having thoughts of suicide! I wish this never happened but I didn't know about this insurance thing/policy about full time classes until now. I'm so... stressed. Please help me out! Plus if you tell me about the company what do you have to lose? In fact it's helping you out! Thanks.""

Cheapest insurance?

what is the cheapest car insurance in Hamilton Ontario Canada if i was 19 years old and i got the g2 3 moths ago?

Adding teenager to car insurance?

I'm turning 16 in a few months and my parents said if i paid for the extra cost they would put me on their policy and i was wondering how much money it would be. We have Geico

Car insurance I'm paying alone?

I have to buy my own car unlike very other lucky kid that's 18. So after I buy a used car off of craigslist, what do I do? Where do I get car insurance and what's affordable for new drivers ?""

How much is small business insurance?

Hi I am doing a project for school and I was wondering how much insurance is for a small business. It will be a temporary food vendor. I am looking at owner, liability, product liability, and auto insurance. I just need an estimate if you could help. Thanks!""

Caught without car insurance.?

I was caught failing to stop completely at a red light right turn. The cop stopped me and asked for everything. I gave my driver's license, and my dad's insurance. the cop wrote me a ticket afterward and that's that. however, the thing is that i don't have insurance myself. is anything going to happen? note: this just happened 3 days ago and it apparently takes the count 2 months to enter the citation into the database""

Will the healthcare reform change the age limit on children on parents insurance?

I'm 25 and one of the great things about the affordable care act was that I was allowed on my parents insurance until I'm 26... Will this change? I'm still in school and there is no way I can afford insurance on my own!!!

Any affordable health insurance options for a 65 years old thats not eligible for Medicare?

My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""

Its cheaper to lease a new 2011 Jaguar then buy Auto Insurance?

Hey, I'm 16 (going onn 17) and I want a 1999 Mustang convertible (base, no GT or Cobra) I am a Male and my insurance is $500.00 a month... HOLY!!!!!!!!!!!!!!!!!! How do I lower it? PS: How is it possible Insurance companies judge on gender? I thought that was illegal now, I thought all our rights were equal?""

What if i don't have car insurance and i don't drive the car?

i wanna buy a car but not drive it for a while but i can't afford car insurance....can i not register until i am ready to drive it is that legal?????

How much is car insurance per month for a 19 yr old? estimated?

How much is car insurance per month for a 19 yr old? estimated?

Low income insurance for a 24 years old student who live in VA?

I am a full time student who live in VA. I am looking for some low income health insurance for myself. Currently, I got some illness and I really need to see the doctor; however, I dont have any health insurance. Is anyone know any health insurance would be providing for a person like me? My family is low income family. Is any way I can get a health insurance from the government? Thank you!""

Insurance test?

Where can i find a test book and how can i become a insurance agent?

""Does anyone know an insurance company that insures parts of the body i.e. hands, legs, etc?""

I've always said that people that use certain parts of their body to make a living should get that part insured. I've been looking for companies that do that but can't seem to find any. I know celebrities do it, but commoners should be able to also.""

Monticello New York Cheap car insurance quotes zip 12701

Monticello New York Cheap car insurance quotes zip 12701

https://www.linkedin.com/pulse/huntington-west-virginia-cheap-car-insurance-quotes-zip-valerie-bruce/"

[fesahaawit]

Why I FIRE’d Myself From Rockstar Finance

What if you woke up this morning to the following:

1/2 the emails to respond to in your inbox

1/2 the decisions to make for the day

1/2 the time you need to spend even working today

and 1/2 the added stress and pressure

And then let’s say someone paid you in the 6 figures to receive all of this.

Would you take it? :)

Now let’s say you had to give up OWNERSHIP of a project for it that was relatively successful and a huge part of your life and business for the past 4 years, of which still has oodles of potential for growth and helping everyone in your community, thereby possibly going down as one of the biggest blunders of your entrepreneurial life where everyone from that point forward points and laughs at you every day for the rest of your life.

Would that change anything? :)

Well, either way, we’re about to find out as I officially sold the 2nd best website in the world this morning, RockstarFinance.com – a museum of personal finance articles and resources – effectively FIRE’ing myself from President and CEO down to humble little “Advisor.”

And I cannot wait to see what the future now holds!!!

(I put “FIRE’ing” there btw, because this move will not only open up 50% more freedom *time* wise, but also pushes us a tad bit closer to the epic freedom that all of us here are shooting for – *financial* freedom. We’re still not there yet, but this certainly puts us more into the running :))

Now of course there’s a lot more to the story here, which also effects a lot more people than just me, so let me try and brain dump everything on ya here and see if I can answer a lot of the questions that I’m sure will soon be bubbling up here in the next few moments…

If I miss anything, just hit me in the comments below as you know I’m an open book!

Take it away J. Money alter-ego…

#1) WHAT THE HELL DID YOU JUST DO, MAN???

I sold Rockstar Finance to a friend of mine in an attempt to trade my hustle card in for more of a living card.

#2) When did this all go down??

We signed everything last week, but we’re making it all public this morning which has been many months in the making. Pretty much since that fateful day of “The Hike” when I realized I had my priorities all kinds of backwards and knew I had to make some big moves if I truly wanted some big results.

I had considered handing it off a number of other times throughout it’s 4 year existence too, but I loved it too much and each time I just couldn’t pull the trigger as it never felt right.

#3) What other times are you talking about?

In 2015 I was handling every aspect of the site and almost sold the whole thing for $5,000 because I was close to burning out. Fortunately my friend Cait Flanders stepped in and convinced me to keep going, and with her on my side that is exactly what we did :)

Then in 2016 I got the “deal of a lifetime” where I originally accepted a million dollars for all my projects and a 2 year commitment to blog for someone else, which as you know I ended up dipping out of at the last minute and decided to go ALL IN with my own projects instead.

And this is what we did for all of 2017! We launched every single project I had wanted to do over the years, and we added it all to Rockstar Finance so it would have a much farther reach to people (and not attached to “me” specifically). This is when we launched our personal finance and blogging forums, our Directory that now tracks 1,400 other finance blogs as well as the most popular podcasts, apps and books, and then of course we rocked our Community Fund which ended up giving out over $14,000 of assistance to those who needed it in our community.

We were on fire!!! Until I almost had a break down – again ;)

#4) And this time you truly feel it’s “right”?

I do, yes…as close as 100% as you can get, at least.

#5) What would make it even *more* right?

If I knew no one would hate me for making this move!! :) Or I got like triple the money for it, haha…

#6) Speaking of money, how much exactly did you get for it?

In the (very) low 6 figures.

#7) I said Exact, don’t you play that card!

Hey – you know how these contract things go! But I bet if you pay attention enough to the numbers in our next net worth report you can get a pretty good idea :) Though don’t forget about the taxes or paying out some of my team members too which was important to me…

#8) How much tax will you have to pay from it?

About 25%.

#9) And the % you gave to your team members?

20%… wait a minute!! I see what you’re doing there!

*Takes a bow*

#10) Alright, now why was THIS TIME the right time to sell again?

There’s a handful of reasons, that when combined just made the most sense:

I’m having a 3rd baby in a few months and really want to try being a stay-at-home dad

But to do that I had to figure out how best to cut 50% of my time and responsibilities out, meaning one of my internet babies had to go :( And I just couldn’t give up the one site that started it all for me – Budgets Are Sexy! My first love! (And I also didn’t like the idea of just hiring on a new leader or team for Rockstar, because in my experience if you don’t have ownership of something you don’t give it all you’ve got)

I also felt I took Rockstar Finance as far as I could with my energy and talents, and it was about to go into “maintenance” mode which would have done it a big disservice for people. Especially due to all its potential that we never got to tap. So handing it off to a new leader to continue its legacy just made the most sense to me.

Lastly, and this is going to sound silly, but I REALLY want to enjoy the site and all the resources we put together as a “regular” reader without having to do any work for it! Haha… I built it exactly for us personal finance enthusiasts, but I’ve never been able to stop and enjoy it as I’ve always been in the thick of it during its entire lifetime… I’m so excited to get the daily digest tomorrow and not know what’s in it! :)

#11) I’m glad you mentioned this “new leadership”… Who exactly bought it from you and is taking over the site now?

My good friend, and blogger veteran, John from ESIMoney.com. Someone who’s not only been with this community longer than I have going on 12+ years now (!), but also someone I know is “in it for the right reasons” and not going to add it to the infamous Site Selling Wall of Shame, haha… Which let’s face it, most sites go when new owners take over!

#12) And how do you know this “John” character won’t be adding it to this Wall of Shame?

Because I know him and trust him, and I know on a list of his priorities, money is at the bottom of it as an early retiree with plenty of millions in the bank already :) Which is usually why sites go down in flames with new ownership – they just plaster it all with ads!!

And due to this new found “retirement”, it also means he has plenty of time to dedicate to it and is already working on a number of new features I was never able to pull off myself. It’s pretty much going to be a turbocharged version of how it is today, and at worst it’ll be the same as it is today if nothing pans out, which is a pretty good worst case scenario.

So between all that, and the fact he wants to pass this site down to his kids one day to continue its legacy, it’s the best a creator can really ask for :)

He actually has a post live right now too if you want to hear his side of the story – it’s going to be a fun project to work on together! Why I Bought Rockstar Finance

#13) Wait wait wait, what’s this “together” part here? I thought you just sold it and are moving on?

Nope. I sold it, yes, but I’m still helping out with everything, just more in an “advisory” type role than a day-to-day one. Which pretty much means I get to do all the fun parts like brainstorming and scheming and connecting the dots, only I don’t have to do any of the work in actually making it happen :) I’m actually quite impressed with myself in pulling this off! Haha… And as a minimalist, it’s actually a pretty freeing feeling because “stuff” applies to internet and brain assets too!!

But ask me in 6 months how it’s all going and we’ll know more then ;)

#14) How do you think it’ll be in 6 months?

I’m *hoping* that I’ll be much more relaxed and creative and our blog here will be flourishing even more at Budgets Are Sexy – since this is literally the first time in 8 years it’ll be the only project I’m working on! – and that I’m also hitting inbox zero every single day and have a baby who sleeps 12 hours straight a night, but only time will tell ;)

I can tell you out of every move I’ve ever made with work-stuff though, this one sets me up closer to the “ideal lifestyle” than any others… I’m literally getting paid to do half the work!! And I still get to be a big part of a community I helped create!

#15) Okay, we’ll come back in 6 months and see how it’s really going :)  Getting back to the projects of Rockstar Finance again real quick, what about that Community Event you guys just launched where you gave 20+ bloggers $100 in cash to go out and do something helpful with it? Is that still going on or has something changed with it now?

Nothing’s changed! We’ve set up a page that highlights all the results from our Community Fund over the past 12 months, and we’ll be adding all these new blog posts that people will be sharing to the tippy top of it all. And we’re hoping it moves us from $14,000 of Good to almost $20,000 of Good! A great way to go out with a bang this year!

(I will note, however, that we are phasing out the Community Fund for the 2018 year as far as being attached to Rockstar Finance (I’ll probably keep doing The Good behind the scenes and/or move some of the project here to this blog), but as a big philanthropy guy, John is already coming up with his own replacement project which I have no doubt will be doing some great stuff… Back at one of his original sites, he used to give out ½ of his earned profit every month so I know his heart is just as big as ours, if not bigger. He really is a good guy.)

Okay, I’m running out of questions here so we’re going to enter the Speed Round…

SQ#1: What’s going to happen to Cait Flanders who works on it?

She’s sticking around for another month or two, and will then be leaving too to focus on her own projects, specifically her new book that’s about to come out: The Year of Less (now open to pre-orders!!!)

It’s so pretty!

SQ#2. How about Nate who was working on strategy and The Community Fund?

He took up a pretty solid gig earlier in the year that he’s doing quite well at, so in a way he’s hustled himself out of working on the side as well :) You can find him anytime here: NateStPierre.me (people from the Love Drop days will remember him!)

SQ #3. And Steve, Rockstar’s resident Tech Guy?

He’s in it for the long haul at Rockstar! And will be taking a much more active role with the site, particularly with the Directory and the Forums, on top of his own fastly growing blog – ThinkSaveRetire.com. He was one of the guys I had actually talked to as well about possibly taking over Rockstar during my initial talks with people…

SQ#4. What did that process look like?

Once I knew it was time for me to leave, I hit up about 6 or 7 people in the community that I thought could be a good fit for it, and then I just had a butt ton of interviews and questions and spent the better part of 4 months really marinating on everything until John’s name eventually crept to the top. It was probably one of the hardest things I’ve ever had to do since being on the online world, but again – big dreams require big moves!

SQ #5. And where did your now famous Triad of Hustling come into play with all of this?

It was instrumental! Not in finding a new leader, but in getting me to the point where I realized what I had to do… Here’s the quick version of the Triad being applied towards Rockstar since I know you’re trying to make this a speed round ;)

Did it take up a lot of time? Yup. 3-4 hours a day, if you count all the thinking too

Did it make money? Enough to pay the team and a little left over, but not much. Though it was also not built originally to make money either – I had no idea it would grow to as large as it did!

Was it fun? Yes. Most days at least :) But again, to pass the Triad it needs to hit 2 of the 3 areas…

The Equalizer: Was it a HELL YEAH or a “no”? Well, the first few years it was close to a HELL YEAH, but over the past 6 months it turned into more of a Kinda Hell Yeah, which we all know it means some changes need to happen… And this is when the soul searching began.

You know, thinking about the Triad in terms of Rockstar I’m realizing that there’s one major factor that we haven’t even touched on: whether a project is successful or not.

Shutting down something that fails the Triad and is not successful anyways is one thing, but it’s a whole other when it IS successful yet still doesn’t make you happy in the end. Similar to the other years dilemma with me walking away from the podcast, M.O.N.E.Y. – remember that one?

So that’s also something for everyone here to be aware of, especially the entrepreneurs – just because your project is successful, however that may be defined, it still doesn’t necessarily mean you should be continuing it if in your hearts of hearts you know it’s not bringing you joy. I’ve shut down over two dozen projects or ideas over my 10 years in this game, but the only two I struggled with were the two that were booming on the outside! I think we need an equalizer for those beasts! Haha…

SQ #5: Last question … what do you want everyone to know here before we sign off and move the questions to the comments?

That no matter what happens with all this, know that I am so INCREDIBLY thankful for all of you here reading this, and for all of you who supported and encouraged me with Rockstar as well as all my other projects in years past.

Everything I’ve ever built has been to help our community here be as good as it can be, and I’m beyond grateful for the chance of even being *able to* do all this in the first place. Those of you who know my story know it was a pure accident* that I stumbled across this money stuff, but thank GOD I did and thank GOD I’m now surrounded with people I love and respect!! Some mistakes can be the best thing that happens to you! (Although I don’t want to test this decision in that department, haha..)

So thank you THANK YOU thank you for allowing me to do the one job I love more than anything else in this world, and I’m looking forward to seeing what the future has in store for us :)

I wish John nothing but success ushering in the new era for the site, and I will see you guys here at Budgets Are Sexy every week going forward as usual too.

Questions/comments/concerns – drop them below or shoot me an email and I’ll hit you back!

XOXO,

****** *10 years ago I went looking for a 2 bedroom apartment to rent, and literally made a wrong turn bringing me into a townhouse community where I went on to buy a $350,000 place with no money down and no budget… Three months later I was online trying to get my act together, when voila – I stumbled across personal finance blogs! I’ve never been the same since ;)

Why I FIRE’d Myself From Rockstar Finance posted first on http://ift.tt/2lnwIdQ

[heliosfinance]

Why I FIRE’d Myself From Rockstar Finance

What if you woke up this morning to the following:

1/2 the emails to respond to in your inbox

1/2 the decisions to make for the day

1/2 the time you need to spend even working today

and 1/2 the added stress and pressure

And then let’s say someone paid you in the 6 figures to receive all of this.

Would you take it? :)

Now let’s say you had to give up OWNERSHIP of a project for it that was relatively successful and a huge part of your life and business for the past 4 years, of which still has oodles of potential for growth and helping everyone in your community, thereby possibly going down as one of the biggest blunders of your entrepreneurial life where everyone from that point forward points and laughs at you every day for the rest of your life.

Would that change anything? :)

Well, either way, we’re about to find out as I officially sold the 2nd best website in the world this morning, RockstarFinance.com – a museum of personal finance articles and resources – effectively FIRE’ing myself from President and CEO down to humble little “Advisor.”

And I cannot wait to see what the future now holds!!!

(I put “FIRE’ing” there btw, because this move will not only open up 50% more freedom *time* wise, but also pushes us a tad bit closer to the epic freedom that all of us here are shooting for – *financial* freedom. We’re still not there yet, but this certainly puts us more into the running :))

Now of course there’s a lot more to the story here, which also effects a lot more people than just me, so let me try and brain dump everything on ya here and see if I can answer a lot of the questions that I’m sure will soon be bubbling up here in the next few moments…

If I miss anything, just hit me in the comments below as you know I’m an open book!

Take it away J. Money alter-ego…

#1) WHAT THE HELL DID YOU JUST DO, MAN???

I sold Rockstar Finance to a friend of mine in an attempt to trade my hustle card in for more of a living card.

#2) When did this all go down??

We signed everything last week, but we’re making it all public this morning which has been many months in the making. Pretty much since that fateful day of “The Hike” when I realized I had my priorities all kinds of backwards and knew I had to make some big moves if I truly wanted some big results.

I had considered handing it off a number of other times throughout it’s 4 year existence too, but I loved it too much and each time I just couldn’t pull the trigger as it never felt right.

#3) What other times are you talking about?

In 2015 I was handling every aspect of the site and almost sold the whole thing for $5,000 because I was close to burning out. Fortunately my friend Cait Flanders stepped in and convinced me to keep going, and with her on my side that is exactly what we did :)

Then in 2016 I got the “deal of a lifetime” where I originally accepted a million dollars for all my projects and a 2 year commitment to blog for someone else, which as you know I ended up dipping out of at the last minute and decided to go ALL IN with my own projects instead.

And this is what we did for all of 2017! We launched every single project I had wanted to do over the years, and we added it all to Rockstar Finance so it would have a much farther reach to people (and not attached to “me” specifically). This is when we launched our personal finance and blogging forums, our Directory that now tracks 1,400 other finance blogs as well as the most popular podcasts, apps and books, and then of course we rocked our Community Fund which ended up giving out over $14,000 of assistance to those who needed it in our community.

We were on fire!!! Until I almost had a break down – again ;)

#4) And this time you truly feel it’s “right”?

I do, yes…as close as 100% as you can get, at least.

#5) What would make it even *more* right?

If I knew no one would hate me for making this move!! :) Or I got like triple the money for it, haha…

#6) Speaking of money, how much exactly did you get for it?

In the (very) low 6 figures.

#7) I said Exact, don’t you play that card!

Hey – you know how these contract things go! But I bet if you pay attention enough to the numbers in our next net worth report you can get a pretty good idea :) Though don’t forget about the taxes or paying out some of my team members too which was important to me…

#8) How much tax will you have to pay from it?

About 25%.

#9) And the % you gave to your team members?

20%… wait a minute!! I see what you’re doing there!

*Takes a bow*

#10) Alright, now why was THIS TIME the right time to sell again?

There’s a handful of reasons, that when combined just made the most sense:

I’m having a 3rd baby in a few months and really want to try being a stay-at-home dad

But to do that I had to figure out how best to cut 50% of my time and responsibilities out, meaning one of my internet babies had to go :( And I just couldn’t give up the one site that started it all for me – Budgets Are Sexy! My first love! (And I also didn’t like the idea of just hiring on a new leader or team for Rockstar, because in my experience if you don’t have ownership of something you don’t give it all you’ve got)

I also felt I took Rockstar Finance as far as I could with my energy and talents, and it was about to go into “maintenance” mode which would have done it a big disservice for people. Especially due to all its potential that we never got to tap. So handing it off to a new leader to continue its legacy just made the most sense to me.

Lastly, and this is going to sound silly, but I REALLY want to enjoy the site and all the resources we put together as a “regular” reader without having to do any work for it! Haha… I built it exactly for us personal finance enthusiasts, but I’ve never been able to stop and enjoy it as I’ve always been in the thick of it during its entire lifetime… I’m so excited to get the daily digest tomorrow and not know what’s in it! :)

#11) I’m glad you mentioned this “new leadership”… Who exactly bought it from you and is taking over the site now?

My good friend, and blogger veteran, John from ESIMoney.com. Someone who’s not only been with this community longer than I have going on 12+ years now (!), but also someone I know is “in it for the right reasons” and not going to add it to the infamous Site Selling Wall of Shame, haha… Which let’s face it, most sites go when new owners take over!

#12) And how do you know this “John” character won’t be adding it to this Wall of Shame?

Because I know him and trust him, and I know on a list of priorities on his list, money is at the bottom of it as an early retiree with plenty of millions in the bank already :) Which is usually why sites go down in flames with new ownership – they just plaster it all with ads!!

And due to this new found “retirement”, it also means he has plenty of time to dedicate to it and is already working on a number of new features I was never able to pull off myself. It’s pretty much going to be a turbocharged version of how it is today, and at worst it’ll be the same as it is today if nothing pans out, which is a pretty good worst case scenario.

So between all that, and the fact he wants to pass this site down to his kids one day to continue its legacy, it’s the best a creator can really ask for :)

He actually has a post live right now too if you want to hear his side of the story – it’s going to be a fun project to work on together! Why I Bought Rockstar Finance

#13) Wait wait wait, what’s this “together” part here? I thought you just sold it and are moving on?

Nope. I sold it, yes, but I’m still helping out with everything, just more in an “advisory” type role than a day-to-day one. Which pretty much means I get to do all the fun parts like brainstorming and scheming and connecting the dots, only I don’t have to do any of the work in actually making it happen :) I’m actually quite impressed with myself in pulling this off! Haha… And as a minimalist, it’s actually a pretty freeing feeling because “stuff” applies to internet and brain assets too!!

But ask me in 6 months how it’s all going and we’ll know more then ;)

#14) How do you think it’ll be in 6 months?

I’m *hoping* that I’ll be much more relaxed and creative and our blog here will be flourishing even more at Budgets Are Sexy – since this is literally the first time in 8 years it’ll be the only project I’m working on! – and that I’m also hitting inbox zero every single day and have a baby who sleeps 12 hours straight a night, but only time will tell ;)

I can tell you out of every move I’ve ever made with work-stuff though, this one sets me up closer to the “ideal lifestyle” than any others… I’m literally getting paid to do half the work!! And I still get to be a big part of a community I helped create!

#15) Okay, we’ll come back in 6 months and see how it’s really going :)  Getting back to the projects of Rockstar Finance again real quick, what about that Community Event you guys just launched where you gave 20+ bloggers $100 in cash to go out and do something helpful with it? Is that still going on or has something changed with it now?

Nothing’s changed! We’ve set up a page that highlights all the results from our Community Fund over the past 12 months, and we’ll be adding all these new blog posts that people will be sharing to the tippy top of it all. And we’re hoping it moves us from $14,000 of Good to almost $20,000 of Good! A great way to go out with a bang this year!

(I will note, however, that we are phasing out the Community Fund for the 2018 year as far as being attached to Rockstar Finance (I’ll probably keep doing The Good behind the scenes and/or move some of the project here to this blog), but as a big philanthropy guy, John is already coming up with his own replacement project which I have no doubt will be doing some great stuff… Back at one of his original sites, he used to give out ½ of his earned profit every month so I know his heart is just as big as ours, if not bigger. He really is a good guy.)

Okay, I’m running out of questions here so we’re going to enter the Speed Round…

SQ#1: What’s going to happen to Cait Flanders who works on it?

She’s sticking around for another month or two, and will then be leaving too to focus on her own projects, specifically her new book that’s about to come out: The Year of Less (now open to pre-orders!!!)

It’s so pretty!

SQ#2. How about Nate who was working on strategy and The Community Fund?

He took up a pretty solid gig earlier in the year that he’s doing quite well at, so in a way he’s hustled himself out of working on the side as well :) You can find him anytime here: NateStPierre.me (people from the Love Drop days will remember him!)

SQ #3. And Steve, Rockstar’s resident Tech Guy?

He’s in it for the long haul at Rockstar! And will be taking a much more active role with the site, particularly with the Directory and the Forums, on top of his own fastly growing blog – ThinkSaveRetire.com. He was one of the guys I had actually talked to as well about possibly taking over Rockstar during my initial talks with people…

SQ#4. What did that process look like?

Once I knew it was time for me to leave, I hit up about 6 or 7 people in the community that I thought could be a good fit for it, and then I just had a butt ton of interviews and questions and spent the better part of 4 months really marinating on everything until John’s name eventually crept to the top. It was probably one of the hardest things I’ve ever had to do since being on the online world, but again – big dreams require big moves!

SQ #5. And where did your now famous Triad of Hustling come into play with all of this?

It was instrumental! Not in finding a new leader, but in getting me to the point where I realized what I had to do… Here’s the quick version of the Triad being applied towards Rockstar since I know you’re trying to make this a speed round ;)

Did it take up a lot of time? Yup. 3-4 hours a day, if you count all the thinking too

Did it make money? Enough to pay the team and a little left over, but not much. Though it was also not built originally to make money either – I had no idea it would grow to as large as it did!

Was it fun? Yes. Most days at least :) But again, to pass the Triad it needs to hit 2 of the 3 areas…

The Equalizer: Was it a HELL YEAH or a “no”? Well, the first few years it was close to a HELL YEAH, but over the past 6 months it turned into more of a Kinda Hell Yeah, which we all know it means some changes need to happen… And this is when the soul searching began.

You know, thinking about the Triad in terms of Rockstar I’m realizing that there’s one major factor that we haven’t even touched on: whether a project is successful or not.

Shutting down something that fails the Triad and is not successful anyways is one thing, but it’s a whole other when it IS successful yet still doesn’t make you happy in the end. Similar to the other years dilemma with me walking away from the podcast, M.O.N.E.Y. – remember that one?

So that’s also something for everyone here to be aware of, especially the entrepreneurs – just because your project is successful, however that may be defined, it still doesn’t necessarily mean you should be continuing it if in your hearts of hearts you know it’s not bringing you joy. I’ve shut down over two dozen projects or ideas over my 10 years in this game, but the only two I struggled with were the two that were booming on the outside! I think we need an equalizer for those beasts! Haha…

SQ #5: Last question … what do you want everyone to know here before we sign off and move the questions to the comments?

That no matter what happens with all this, know that I am so INCREDIBLY thankful for all of you here reading this, and for all of you who supported and encouraged me with Rockstar as well as all my other projects in years past.

Everything I’ve ever built has been to help our community here be as good as it can be, and I’m beyond grateful for the chance of even being *able to* do all this in the first place. Those of you who know my story know it was a pure accident* that I stumbled across this money stuff, but thank GOD I did and thank GOD I’m now surrounded with people I love and respect!! Some mistakes can be the best thing that happens to you! (Although I don’t want to test this decision in that department, haha..)

So thank you THANK YOU thank you for allowing me to do one the one job I love more than anything else in this world, and I’m looking forward to seeing what the future has in store for us :)

I wish John nothing but success ushering in the new era for the site, and I will see you guys here at Budgets Are Sexy every week going forward as usual too.

Questions/comments/concerns – drop them below or shoot me an email and I’ll hit you back!

XOXO,

****** *10 years ago I went looking for a 2 bedroom apartment to rent, and literally made a wrong turn bringing me into a townhouse community where I went on to buy a $350,000 place with no money down and no budget… Three months later I was online trying to get my act together, when voila – I stumbled across personal finance blogs! I’ve never been the same since ;)

Why I FIRE’d Myself From Rockstar Finance published first on http://ift.tt/2ljLF4B

[fesahaawit]

Why I FIRE’d Myself From Rockstar Finance

What if you woke up this morning to the following:

1/2 the emails to respond to in your inbox

1/2 the decisions to make for the day

1/2 the time you need to spend even working today

and 1/2 the added stress and pressure

And then let’s say someone paid you in the 6 figures to receive all of this.

Would you take it? :)

Now let’s say you had to give up OWNERSHIP of a project for it that was relatively successful and a huge part of your life and business for the past 4 years, of which still has oodles of potential for growth and helping everyone in your community, thereby possibly going down as one of the biggest blunders of your entrepreneurial life where everyone from that point forward points and laughs at you every day for the rest of your life.

Would that change anything? :)

Well, either way, we’re about to find out as I officially sold the 2nd best website in the world this morning, RockstarFinance.com – a museum of personal finance articles and resources – effectively FIRE’ing myself from President and CEO down to humble little “Advisor.”

And I cannot wait to see what the future now holds!!!

(I put “FIRE’ing” there btw, because this move will not only open up 50% more freedom *time* wise, but also pushes us a tad bit closer to the epic freedom that all of us here are shooting for – *financial* freedom. We’re still not there yet, but this certainly puts us more into the running :))

Now of course there’s a lot more to the story here, which also effects a lot more people than just me, so let me try and brain dump everything on ya here and see if I can answer a lot of the questions that I’m sure will soon be bubbling up here in the next few moments…

If I miss anything, just hit me in the comments below as you know I’m an open book!

Take it away J. Money alter-ego…

#1) WHAT THE HELL DID YOU JUST DO, MAN???

I sold Rockstar Finance to a friend of mine in an attempt to trade my hustle card in for more of a living card.

#2) When did this all go down??

We signed everything last week, but we’re making it all public this morning which has been many months in the making. Pretty much since that fateful day of “The Hike” when I realized I had my priorities all kinds of backwards and knew I had to make some big moves if I truly wanted some big results.

I had considered handing it off a number of other times throughout it’s 4 year existence too, but I loved it too much and each time I just couldn’t pull the trigger as it never felt right.

#3) What other times are you talking about?

In 2015 I was handling every aspect of the site and almost sold the whole thing for $5,000 because I was close to burning out. Fortunately my friend Cait Flanders stepped in and convinced me to keep going, and with her on my side that is exactly what we did :)

Then in 2016 I got the “deal of a lifetime” where I originally accepted a million dollars for all my projects and a 2 year commitment to blog for someone else, which as you know I ended up dipping out of at the last minute and decided to go ALL IN with my own projects instead.

And this is what we did for all of 2017! We launched every single project I had wanted to do over the years, and we added it all to Rockstar Finance so it would have a much farther reach to people (and not attached to “me” specifically). This is when we launched our personal finance and blogging forums, our Directory that now tracks 1,400 other finance blogs as well as the most popular podcasts, apps and books, and then of course we rocked our Community Fund which ended up giving out over $14,000 of assistance to those who needed it in our community.

We were on fire!!! Until I almost had a break down – again ;)

#4) And this time you truly feel it’s “right”?

I do, yes…as close as 100% as you can get, at least.

#5) What would make it even *more* right?

If I knew no one would hate me for making this move!! :) Or I got like triple the money for it, haha…

#6) Speaking of money, how much exactly did you get for it?

In the (very) low 6 figures.

#7) I said Exact, don’t you play that card!

Hey – you know how these contract things go! But I bet if you pay attention enough to the numbers in our next net worth report you can get a pretty good idea :) Though don’t forget about the taxes or paying out some of my team members too which was important to me…

#8) How much tax will you have to pay from it?

About 25%.

#9) And the % you gave to your team members?

20%… wait a minute!! I see what you’re doing there!

*Takes a bow*

#10) Alright, now why was THIS TIME the right time to sell again?

There’s a handful of reasons, that when combined just made the most sense:

I’m having a 3rd baby in a few months and really want to try being a stay-at-home dad

But to do that I had to figure out how best to cut 50% of my time and responsibilities out, meaning one of my internet babies had to go :( And I just couldn’t give up the one site that started it all for me – Budgets Are Sexy! My first love! (And I also didn’t like the idea of just hiring on a new leader or team for Rockstar, because in my experience if you don’t have ownership of something you don’t give it all you’ve got)

I also felt I took Rockstar Finance as far as I could with my energy and talents, and it was about to go into “maintenance” mode which would have done it a big disservice for people. Especially due to all its potential that we never got to tap. So handing it off to a new leader to continue its legacy just made the most sense to me.

Lastly, and this is going to sound silly, but I REALLY want to enjoy the site and all the resources we put together as a “regular” reader without having to do any work for it! Haha… I built it exactly for us personal finance enthusiasts, but I’ve never been able to stop and enjoy it as I’ve always been in the thick of it during its entire lifetime… I’m so excited to get the daily digest tomorrow and not know what’s in it! :)

#11) I’m glad you mentioned this “new leadership”… Who exactly bought it from you and is taking over the site now?

My good friend, and blogger veteran, John from ESIMoney.com. Someone who’s not only been with this community longer than I have going on 12+ years now (!), but also someone I know is “in it for the right reasons” and not going to add it to the infamous Site Selling Wall of Shame, haha… Which let’s face it, most sites go when new owners take over!

#12) And how do you know this “John” character won’t be adding it to this Wall of Shame?

Because I know him and trust him, and I know on a list of priorities on his list, money is at the bottom of it as an early retiree with plenty of millions in the bank already :) Which is usually why sites go down in flames with new ownership – they just plaster it all with ads!!

And due to this new found “retirement”, it also means he has plenty of time to dedicate to it and is already working on a number of new features I was never able to pull off myself. It’s pretty much going to be a turbocharged version of how it is today, and at worst it’ll be the same as it is today if nothing pans out, which is a pretty good worst case scenario.

So between all that, and the fact he wants to pass this site down to his kids one day to continue its legacy, it’s the best a creator can really ask for :)

He actually has a post live right now too if you want to hear his side of the story – it’s going to be a fun project to work on together! Why I Bought Rockstar Finance

#13) Wait wait wait, what’s this “together” part here? I thought you just sold it and are moving on?

Nope. I sold it, yes, but I’m still helping out with everything, just more in an “advisory” type role than a day-to-day one. Which pretty much means I get to do all the fun parts like brainstorming and scheming and connecting the dots, only I don’t have to do any of the work in actually making it happen :) I’m actually quite impressed with myself in pulling this off! Haha… And as a minimalist, it’s actually a pretty freeing feeling because “stuff” applies to internet and brain assets too!!

But ask me in 6 months how it’s all going and we’ll know more then ;)

#14) How do you think it’ll be in 6 months?

I’m *hoping* that I’ll be much more relaxed and creative and our blog here will be flourishing even more at Budgets Are Sexy – since this is literally the first time in 8 years it’ll be the only project I’m working on! – and that I’m also hitting inbox zero every single day and have a baby who sleeps 12 hours straight a night, but only time will tell ;)

I can tell you out of every move I’ve ever made with work-stuff though, this one sets me up closer to the “ideal lifestyle” than any others… I’m literally getting paid to do half the work!! And I still get to be a big part of a community I helped create!

#15) Okay, we’ll come back in 6 months and see how it’s really going :)  Getting back to the projects of Rockstar Finance again real quick, what about that Community Event you guys just launched where you gave 20+ bloggers $100 in cash to go out and do something helpful with it? Is that still going on or has something changed with it now?

Nothing’s changed! We’ve set up a page that highlights all the results from our Community Fund over the past 12 months, and we’ll be adding all these new blog posts that people will be sharing to the tippy top of it all. And we’re hoping it moves us from $14,000 of Good to almost $20,000 of Good! A great way to go out with a bang this year!

(I will note, however, that we are phasing out the Community Fund for the 2018 year as far as being attached to Rockstar Finance (I’ll probably keep doing The Good behind the scenes and/or move some of the project here to this blog), but as a big philanthropy guy, John is already coming up with his own replacement project which I have no doubt will be doing some great stuff… Back at one of his original sites, he used to give out ½ of his earned profit every month so I know his heart is just as big as ours, if not bigger. He really is a good guy.)

Okay, I’m running out of questions here so we’re going to enter the Speed Round…

SQ#1: What’s going to happen to Cait Flanders who works on it?

She’s sticking around for another month or two, and will then be leaving too to focus on her own projects, specifically her new book that’s about to come out: The Year of Less (now open to pre-orders!!!)

It’s so pretty!

SQ#2. How about Nate who was working on strategy and The Community Fund?

He took up a pretty solid gig earlier in the year that he’s doing quite well at, so in a way he’s hustled himself out of working on the side as well :) You can find him anytime here: NateStPierre.me (people from the Love Drop days will remember him!)

SQ #3. And Steve, Rockstar’s resident Tech Guy?

He’s in it for the long haul at Rockstar! And will be taking a much more active role with the site, particularly with the Directory and the Forums, on top of his own fastly growing blog – ThinkSaveRetire.com. He was one of the guys I had actually talked to as well about possibly taking over Rockstar during my initial talks with people…

SQ#4. What did that process look like?

Once I knew it was time for me to leave, I hit up about 6 or 7 people in the community that I thought could be a good fit for it, and then I just had a butt ton of interviews and questions and spent the better part of 4 months really marinating on everything until John’s name eventually crept to the top. It was probably one of the hardest things I’ve ever had to do since being on the online world, but again – big dreams require big moves!

SQ #5. And where did your now famous Triad of Hustling come into play with all of this?

It was instrumental! Not in finding a new leader, but in getting me to the point where I realized what I had to do… Here’s the quick version of the Triad being applied towards Rockstar since I know you’re trying to make this a speed round ;)

Did it take up a lot of time? Yup. 3-4 hours a day, if you count all the thinking too

Did it make money? Enough to pay the team and a little left over, but not much. Though it was also not built originally to make money either – I had no idea it would grow to as large as it did!

Was it fun? Yes. Most days at least :) But again, to pass the Triad it needs to hit 2 of the 3 areas…

The Equalizer: Was it a HELL YEAH or a “no”? Well, the first few years it was close to a HELL YEAH, but over the past 6 months it turned into more of a Kinda Hell Yeah, which we all know it means some changes need to happen… And this is when the soul searching began.

You know, thinking about the Triad in terms of Rockstar I’m realizing that there’s one major factor that we haven’t even touched on: whether a project is successful or not.

Shutting down something that fails the Triad and is not successful anyways is one thing, but it’s a whole other when it IS successful yet still doesn’t make you happy in the end. Similar to the other years dilemma with me walking away from the podcast, M.O.N.E.Y. – remember that one?

So that’s also something for everyone here to be aware of, especially the entrepreneurs – just because your project is successful, however that may be defined, it still doesn’t necessarily mean you should be continuing it if in your hearts of hearts you know it’s not bringing you joy. I’ve shut down over two dozen projects or ideas over my 10 years in this game, but the only two I struggled with were the two that were booming on the outside! I think we need an equalizer for those beasts! Haha…

SQ #5: Last question … what do you want everyone to know here before we sign off and move the questions to the comments?

That no matter what happens with all this, know that I am so INCREDIBLY thankful for all of you here reading this, and for all of you who supported and encouraged me with Rockstar as well as all my other projects in years past.

Everything I’ve ever built has been to help our community here be as good as it can be, and I’m beyond grateful for the chance of even being *able to* do all this in the first place. Those of you who know my story know it was a pure accident* that I stumbled across this money stuff, but thank GOD I did and thank GOD I’m now surrounded with people I love and respect!! Some mistakes can be the best thing that happens to you! (Although I don’t want to test this decision in that department, haha..)

So thank you THANK YOU thank you for allowing me to do one the one job I love more than anything else in this world, and I’m looking forward to seeing what the future has in store for us :)

I wish John nothing but success ushering in the new era for the site, and I will see you guys here at Budgets Are Sexy every week going forward as usual too.

Questions/comments/concerns – drop them below or shoot me an email and I’ll hit you back!

XOXO,

****** *10 years ago I went looking for a 2 bedroom apartment to rent, and literally made a wrong turn bringing me into a townhouse community where I went on to buy a $350,000 place with no money down and no budget… Three months later I was online trying to get my act together, when voila – I stumbled across personal finance blogs! I’ve never been the same since ;)

Why I FIRE’d Myself From Rockstar Finance posted first on http://ift.tt/2lnwIdQ