#or submit a written request if you are an approved mutual

[deerest-me]

sexiest moments of my life are definitely the two times that i was literally radioactive. needed to play it cool when the doctor injected the radiotracer so i didnt seem too excited and / or moan

[lawofficeofbryanfagan]

How Can You Stop Child Support If Both Parents Agree in Texas?

Can you stop child support if both parents agree in Texas? Yes, but it requires court approval. This article explains how to make your agreement legally binding and what steps you need to take. Key Takeaways - In Texas, child support agreements between parents must be documented and approved by a judge to be legally enforceable. - Parents can modify or terminate child support by submitting a formal request, highlighting the need for legal compliance and the involvement of the Texas Attorney General’s Office. - Engaging a family law attorney is crucial for navigating the complexities of child support modifications, ensuring compliance with legal requirements. Understanding Child Support in Texas Child support obligations in Texas are established, modified, or enforced through two primary legal processes: the Child Support Review Process (CSRP) and court hearings. The CSRP is an administrative method where both parents meet with a Child Support Officer to negotiate support terms, typically lasting between 60 to 90 minutes. If parents cannot reach an agreement during the CSRP, the case proceeds to court for a final determination by a judge. Informal agreements between parents to stop child support are not legally enforceable and can lead to penalties such as wage garnishment. Adhering to formal procedures is crucial to avoid legal repercussions. Certain cases, including those involving family violence or minors, are not eligible for the CSRP and must go directly to court. Once an agreement is reached during the CSRP, the resulting order is forwarded to a judge for final approval. To modify child support, parents first need to evaluate the original agreement to fully understand their obligations. This foundational knowledge helps in understanding how mutual agreements between parents can influence child support decisions. The Role of Agreements Between Parents Mutual agreements between parents regarding child support can significantly influence court decisions, emphasizing the importance of cooperation in achieving favorable outcomes. When parents negotiate their own child support agreement themselves, it often leads to better compliance and satisfaction compared to court-imposed decisions. This cooperative approach fosters a supportive environment for the child, reflecting the financial realities and needs of the child. Cohabitation agreements can effectively address child support and custody issues, ensuring both parents share responsibilities based on their mutual preferences. Establishing a parenting plan through mutual agreements can help outline visitation schedules and parental responsibilities, promoting the child’s best interests. Additionally, including modification procedures in agreements allows parents to adjust child support based on changing circumstances, such as income changes or relocation, and a child support agreement can further clarify these responsibilities. Effective communication and dispute resolution mechanisms within agreements can minimize legal conflicts and enhance cooperative parenting. A formal written agreement for child support provides clarity and legal backing, reducing potential future disputes. This cooperative spirit lays the groundwork for understanding the legal requirements for modifying child support orders in Texas. Legal Requirements for Modifying Child Support Orders In Texas, any changes to child support amounts agreed upon by the parents must still undergo court approval to ensure they are enforceable. Modifications can be requested if it has been at least three years since the last order or if there is a substantial difference in circumstances. Valid reasons for modifying child support can include substantial income changes, job loss, or changes in the child’s needs. Identifying these valid reasons is essential before filing for changes to child support. The Texas Attorney General’s Office allows parents to request a review of their child support order for potential modification if their circumstances change significantly. This process involves submitting an official Request for Review form to the Child Support Division of the Texas Attorney General’s Office. Only one modification request should be submitted at a time to avoid delays in processing. Changes in income or circumstances may complicate the process of modifying child support, as the legal framework requires thorough documentation and approval. Consulting with a knowledgeable family law attorney helps ensure that the modification request meets legal requirements and is filed correctly. Knowing these legal requirements helps in exploring whether you can stop child support if both parents agree. Can You Stop Child Support if Both Parents Agree? In Texas, parents can agree to stop child support, but this arrangement must be approved by a judge to be legally enforceable. For a waiver of child support to be considered by a court, it must be documented in writing and signed by both parents. The court assesses whether stopping child support aligns with the best interests of the child, considering factors like emotional stability and financial security. Stopping child support payments can lead to significant legal repercussions, including wage garnishment and tax refund interception, if not done properly. Non-compliance with child support orders can also result in serious consequences, such as damage to credit scores and potential legal penalties. Many custodial parents rely heavily on child support for their children’s basic needs, making the decision to stop payments a complex and impactful one. If you are required to pay child support, it is crucial to understand the implications of stopping those payments. Parents aiming to cease paying child support may encounter challenges related to enforcement mechanisms specific to their state, which can vary widely. Understanding these challenges is essential as we delve into the steps required to modify or terminate child support payments. Steps to Modify or Terminate Child Support Payments To initiate a modification of a child support order in Texas, parents must follow these steps: - Submit an official Request for Review if they have an active case. - To start the process of ending child support, the custodial parent must file a petition with the court that issued the original order. - Once prepared, the petition for modification along with supporting evidence must be submitted to the relevant court. Consulting with a knowledgeable family law attorney helps ensure that the modification request meets legal requirements and is filed correctly. Family law attorneys can significantly streamline the legal process by managing paperwork and court interactions on behalf of the client. They can also negotiate favorable terms for their clients, potentially reducing costs and time spent on legal disputes. Knowing the steps to modify or terminate child support payments is essential for parents aiming to navigate this process effectively. This leads us to the importance of involving the Texas Attorney General’s Office in these proceedings. Involving the Texas Attorney General's Office The Texas Attorney General’s Office plays a pivotal role in enforcing child support orders and ensuring compliance when parents fail to meet their payment obligations. The Child Support Review Process (CSRP) is a key administrative procedure in Texas, designed to establish, modify, or enforce child support obligations and determine paternity. If parents cannot agree on child support terms, an Assistant Attorney General presents the case to the judge for a final decision. The Attorney General’s Office can take actions such as license suspension and registration denial to enforce child support compliance. Despite the challenges, the Texas Child Support Division has successfully collected billions in child support, showcasing the resilience of the system. Filing only one modification request at a time helps avoid delays in processing. The Texas Attorney General’s Office ensures that child support modifications or terminations are handled correctly and legally. As we move forward, let’s consider the potential challenges and considerations parents might face during this process. Potential Challenges and Considerations Parents may encounter various legal challenges when attempting to stop child support payments, which can complicate the process. Long wait times and potentially multiple court appearances can be expected when resolving child support issues. Stopping child support payments can also have significant financial implications, such as impacting eligibility for other assistance programs. Parents must fully understand these potential challenges and considerations before making decisions about calculating child support guidelines. Legal advice can help navigate these complexities and ensure that all actions taken are in the best interests of the child’s welfare. This underscores the importance of having a family law attorney, which we will discuss next. The Importance of a Family Law Attorney A family law attorney can navigate the complexities and improve the likelihood of judicial approval for stopping child support. A family law attorney provides guidance through the legal procedures involved in child support modifications and terminations. Parents are strongly recommended to consult with a family law attorney to navigate the child support process effectively. An experienced family law attorney in Texas can significantly enhance a parent’s ability to manage the complexities of divorce and child custody. They can help ensure that all legal requirements are met and that the process proceeds smoothly. This professional guidance is invaluable, especially in the context of Texas law family law. Real-Life Examples and Case Studies Real-life examples demonstrate that parents have successfully stopped child support payments when both agree. For instance, changes in a child’s living situation, such as moving in with a non-custodial parent, can lead to modifications or cancellations of child support obligations. Case studies highlight the practical implications and potential outcomes of modifying child support arrangements. Incorporating testimonials and real-life examples enhances the credibility and practical value of this guide. These stories provide valuable insights and lessons for parents in similar situations, illustrating the importance of cooperation and legal compliance. Practical Tips for Supporting Your Child’s Education During Divorce Supporting your child’s education during and after a divorce is paramount. Parents should listen actively to their children’s feelings about the divorce to help them process their emotions without pressure. Remaining civil about each other is essential, as negative comments can harm the child’s perception and relationship with both parents. Consistent routines can significantly reduce anxiety in children adjusting to their parents’ divorce. A structured environment with clear behavior expectations can help manage potential behavioral issues during the transition. Maintaining normalcy in daily life and extracurricular activities helps kids feel secure and supported during family changes. These practical tips contribute to a supportive environment for the child, ensuring their education and overall well-being are prioritized during this challenging period. Conclusion: In summary, understanding the complexities of child support in Texas is essential for parents looking to modify or stop child support payments. Mutual agreements between parents can significantly influence court decisions, but these agreements must be formally documented and approved by a judge. The legal requirements for modifying child support orders involve thorough documentation and adherence to Texas child support laws. Involving the Texas Attorney General’s Office and consulting with a family law attorney are crucial steps in navigating this process. Real-life examples and practical tips for supporting your child’s education during divorce further illustrate the importance of cooperation and legal compliance. By following these guidelines, parents can ensure that their actions are in the best interests of their children. Read the full article

[tawus]

Commissions are OPEN.

You can find all the information below, and if you decide you want to commission me, or if you have any questions at all – please drop me an email on: a.b.tawus@gmail.com. That is the BEST way to reach me and that is how I will be discussing and accepting commissions – NOT through Tumblr.

WHICH FANDOMS I WRITE FOR:

Anime: Jujutsu Kaisen (JJK), Bleach, Devilman Crybaby, Gintama, Hellsing, Jormungand, Monogatari series

TV Shows: Alice in Borderland, Arcane, Euphoria, Goblin (K-drama), Love Death + Robots, Midnight Mass, Peaky Blinders, Squid Game, The Great, True Detective (season 1), What’s Wrong With Secretary Kim (K-drama)

Others: Bullet Train (2022), Assassin’s Creed Syndicate (Ubisoft), Doom 2016 (Bethesda), Blackpink (K-pop), Stray Kids (K-pop).

If your desired fandom isn’t listed here, please drop me an email and I’ll see if I’m familiar with it.

WHAT TYPE OF PAIRINGS I WRITE:

Reader-inserts (what you likely know me for), shipfics, as well as OC inserts.

WILL I INCLUDE YOUR OC?

Sure! If you have an original character in mind, feel free to request that they be added or paired with a character from your desired media. I will ask you for the details of your OC, as applicable.

WHAT GENRES I WRITE?

The sky is the limit really. But here’s a list of genres to give you an idea of what you can request:

SFW

NSFW

Fluffy Romance

Angsty Romance

Tawus’s Extreme Soulwrenching Angst™

Comedy

Feel Good

Dark and Gritty

Horror

Happy Ending

Sad Ending

‘Surprise Me!’ Ending

Alternate Universe (AU)

Hurt/Comfort

WHAT I CAN INCLUDE IN YOUR STORY:

Enemies to Lovers

Pining

Mutual Pining

Multiple Orgasms

Overstimulation

Fighting Action

Size Difference

Breeding Kink

Established Relationship

Friends to Lovers

Fighting Action

First Time

First Kiss

Dubious Consent

Obsessive Behaviour

Possessiveness

Praise

Degradation

Married Couple

Dancing (you know it)

Bondage

Rough Sex

Slow and sensual sex

Choking

Aftercare

Hate sex

Morning sex

Hurt/Comfort

And more…

WHAT WILL I NOT WRITE?

Rape/Non-con (I write dubcon but that’s my limit)

Bestiality

Underage NSFW

ABO (not experienced)

Extreme gore/torture just for the sake of it

Plain mean stuff, such as racist, homophobic, bodyshaming etc.

These lists are not conclusive. So if something specific interests you, please drop me an email!

WHAT ARE MY RATES?

Pricing is determined by word count:

1k words: $20 USD

2k words: $35 USD

3k words: $45 USD

4k words: $55 USD

5k words: $65 USD

6k words: $80 USD

7k words: $90 USD

8k words: $100 USD

9k words: $110 USD

10k words: $120 USD

11k words: $130 USD

12k+ words: $140+ USD

For higher word counts, please send me an email to discuss!

DO I NEED PROOF OF AGE (18+) TO WRITE NSFW FOR YOU?

Yep, a photo of your ID with just your date of birth visible.

HOW WILL YOU PAY?

I accept payment through: PayPal, Stripe, Ko-fi, and Skrill.

Once I’m clear on what you’d like to have written and accept your commission, I’ll send you an invoice through whatever payment platform we agreed on.

You will not be required to submit payment until after we’ve discussed and agreed on the length and content of your commission.

All commissions are non-refundable once payment has been received.

WHAT TURNAROUND CAN YOU EXPECT?

After we’ve hashed out all the core details of what you want to commission and I’ve accepted your commission and received payment from you – I will aim to produce your story within about 30 days. Please note that larger bodies of work, such as 10k-35k, can take up to 2 months.

CAN YOU SEE THE STORY BEFORE IT’S FINALISED?

Yes! Once I’ve deemed the commissioned story more or less complete, I will send it for your approval. At this stage you can request minor edits and I will do my best to accommodate them within reasonable limits.

Then, once you give me the green light, I will finalise your commission and send you the final version via email.

I will also post it on my AO3, unless you specifically ask me not to. I will also credit your username for commissioning me for this piece, or I can also not mention your username at all if you don’t want me to. In the latter case, I will say that it’s an anonymous commission.

DO I AUTOMATICALLY ACCEPT ALL COMMISSIONS?

I’d love to but unfortunately, I can’t. Time restraints, the number of projects I have going on, and simply my ability to write a certain prompt will all affect whether I can accept your commission or not. Therefore I retain the right to decline commission prompts. But, of course, if I told you I’ve accepted it and received payment from you, I will bring your idea to life!

IP and MORAL RIGHTS

By commissioning me, you agree to not redistribute my work as your own. You can do readings of it, or even repost it on your blog, but please give due credit to me in each instance. Thank you ♡

And last but not least…

CAN I COMMISSION INFIDELITY’S SEQUEL?

Infidelity’s sequel is in the works, so you don’t have to 😘

But what you can do, if you want, is request that I write the Gojo couple in a previously unexplored setting as an extension of the original story. As I said, the sky’s the limit~

I’m really excited to explore your ideas and bring them to life using my craft! Just drop me an email with your idea or any questions on

a.b.tawus@gmail.com

[misedejem]

Date Nights

Series: Persona 4 Ship: Kannao (Kanji Tatsumi/Naoto Shirogane) Word count: 9196

If ever Naoto was feeling low, Kanji would try harder than ever to show her how much he cared. Little gestures of good will and love that would go towards easing the pain. It had been that way from when they first met, and was still the case after over fifteen years.

So when Naoto found herself with Kanji in a slump and a few hours to spare, she took it upon herself to do the same.

(Basically lots of domestic future headcanon shenaningans~ As a note, Naoto is genderfluid in my fics, and this one uses she/her. AO3 link in the notes)

It had been an awfully long time since the Shiroganes had been working away from home at the same time.

Kanji had become unemployed almost two years ago and had been pooling his resources into his online store since then. And Naoto had been on leave a full year now, because of Chihiro, and then the upheaval and transfer of half the Shirogane agency from Tokyo to Yasoinaba. Save the odd local case, she’d effectively been forced to hang up the detective cap until life calmed down enough for her to return.

It was… a much-needed break. They could mutually agree on that.

Then, less than a month between moving into a house and the agency reopening, Yu Narukami had appeared on their doorstep one evening with ‘encouragement bentos’ and a request. The middle school he worked in as guidance counsellor had suddenly lost a teacher temporarily due to illness. The art teacher. She’d probably need at least six months to recover, but the new semester started in September and it was far too tight a deadline for the board to submit a request for a replacement.

“I mentioned you used to work as an art teacher in Tokyo, Kanji, and they said to ask you as soon as possible.”

Neither of them could have foreseen such a thing… But in a week, their situation had changed from both of them being at home, to both of them returning to work just a day apart from one another.

One day.

What a rare commodity that was.

As much as she adored it, Naoto’s career had always been taxing, keeping her late at night and seldom offering her a chance to catch her breath. After all, the Shirogane agency was lauded all across the country. Grampa had made such a name for it before he had died, and the attention she had gained from the media as the ‘first Detective Prince’ had only served to bolster the Shirogane name’s shining reputation once she’d taken over. That, and the fact that it was the only remaining detective agency in the country that specialised in Shadow-related incidents. They’d become ever more prevalent since the mental shutdowns and the Phantom Thieves incidents a decade ago had made knowledge of them more widespread in the seedier depths of society, and the Shadow Operatives had ensured to keep her busy when the cases grew too complex for them to handle.

That’s why they’d come back to Inaba of all places. With the TV World still very much active, it was the most potent place for illicit Shadow activities to occur in all Japan. And with the murmurings of new information cropping up, the higher ups had figured it may be a good idea to have a team of investigators to hand.

The detective had a lot of work waiting for her when her leave expired.

So, for her to be the one left with the house instead of Kanji for a full day… Well, she couldn’t exactly waste such an occasion.

“Momo, no -!  Don’t… climb in there…” Naoto sighed, watching as her orange tabby clambered her way into one of the cardboard boxes at the far end of the room. She knew it was a fruitless effort to try and stop her. Their other cat didn’t house much love for boxes, but Mochi had been found in one as a kitten and clearly had developed a natural affinity towards them as a result. Half their move had been spent trying to keep her out of them long enough to fill them.

“If you wish to help, the very least you could do would be to climb into the ones I haven’t yet searched,” she told her, crossing over to the box and hoisting Mochi out. “That way, I won’t be wasting any time by delving into boxes twice when I retrieve you.”

Unfortunately, Naoto’s request was not met with much approval. The cat just mewled indignantly, clearly unimpressed and unwilling to cooperate, and scampered behind the large pile in the centre of the garage, leaving the detective to continue her investigation on her own.

It was frankly impressive that all the miscellany crammed into these boxes had fit into their Tokyo apartment; big though it was, it had been severely lacking in storage. Half their belongings – all the stuff they didn’t desperately need - were all packed up in this room, waiting for a spare moment to be put in their rightful place. They’d had five weeks to unpack, and perhaps if they’d still been living as just the two of them, they’d have made more of a dent in it. That would certainly have made Naoto’s current task a considerable deal easier. But all the free time they had now was devoted to Chihiro. She was only just coming up on her first birthday, and she was still very much dependant on her parents every moment that she was awake. Even now, Naoto was only able to search the room because the infant was taking her midmorning nap.

She was looking for a binder Kanji had put together, containing a collection of their favourite recipes that he’d found online or written down over the years. Somehow, it had gotten separated from the recipe books when they had packed away their kitchen, and it had not yet resurfaced. This was a major blockade in her plan for the day. She needed that binder. Desperately.

Kanji had seemed rather perturbed as he’d prepared for work that morning. In fact, he’d seemed uneasy about it from the moment Yu had asked him to take it. It was… unlike him. He’d worked as an art teacher in a middle school back in the city for four years, and he’d loved every minute of it.

“Hmm? Course I want the job,” he’d told her when she’d questioned him about it over breakfast. “I miss this kinda shit, you know that.”

He had a smile on his face as he tried spooning a blob of mushed fruits into Chihiro’s mouth, but it was a strained smile if nothing else.

“You just seem tense, that’s all.”

“Yeah, well… So do you. Goin’ back to work after havin’ a kid is s’posed to be kinda rough.” He shrugged.

“I can’t deny that…” Naoto sighed. “Even knowing that your mother will be there for her, and that you’re only doing part time hours, the idea of leaving her alone at all is more taxing on me than I could ever have expected… That’s all it is though?”

Naoto could think of several other reasons Kanji might have to be nervous about this particular job. But on the off chance that they hadn’t crossed his mind yet, she refrained from bringing them up. The last thing she wanted was to make him feel worse.

There was a pause, filled only by Chihiro’s babbles and the sound of the cats zooming about the living room after one another in a burst of energy. As he scraped the last of the baby food from the pot and offered it to their daughter, Kanji’s face began to fall ever so slightly, and before long he was sighing.

“I really gotta… stop overlookin’ that I’m married to a detective.  I am scared shitless of leavin’ Chihiro for the first time. If anythin’s wrong, it’s that most of all. But uh… Otherwise I’m just a little weirded out.” He rubbed the back of his neck. “Middle school – this middle school – is kinda… where I started to get a bad rep… What… I dunno, what if they take one look at me and realise who I am and kick me out? Like, they don’t realise ‘Shirogane Kanji’ is actually ‘Tatsumi Kanji’ an’ once they do they won’t want me anymore? They don’t know why I resigned from my last job either, what if they think I did something bad an’–”

As his voice grew louder and more sporadic, his panic becoming so apparent that it was palpable, Naoto scooted her way over to him and slipped her arms around his waist, resting her head gently on his chest.

“You left on your own terms because you disliked the way the school was being run. You don’t have to disclose why. And Kan-chan… you don’t mean to tell me that I’ve kept you from your hometown for so long that you’ve forgotten what it’s like? Inaba isn’t overly massive – rumours spread fast. I daresay there isn’t a person here who doesn’t know that the Tatsumi boy married that Detective Shirogane person. Especially not with how much your mother talks about us.”

She held him close for a while, rubbing her hand across his back even after his heart stopped pounding so hard, and his muscles began to relax.

“Yeah… I know… I know it’s a stupid thing to worry about, an’ that there ain’t no point in getting’ worked up about it…”

“Well, it’s not… stupid. I’d say it’s a perfectly reasonable thing to be concerned about, given the impact it had on you in the past. But I can assure you of this: they wouldn’t have hired you if they thought you were unfit for the position.”

He nodded, and a smile appeared on his face again – a genuine one, this time. For the rest of the morning, his dour disposition had dissipated somewhat, and his spirits certainly seemed higher when he had left the house.

But even if she had managed to cheer him up, Naoto knew the day would be a challenge for him no matter how many positive sentiments she sent his way. Returning to a place you had been mistreated, even after nearly twenty years had passed, was difficult enough as it was, without the thought of leaving your baby for the first time nagging at you as well.

That’s why she needed that binder. It contained the recipe for one of Kanji’s all-time favourite curries, one she believed even she could produce, and she figured he might need something like that when he returned home.

He often did little ‘date nights’ from home for them, for birthdays or anniversaries, or even just when Naoto was struggling with a tough case and needed a distraction or treat. They would put on whatever was comfortable, sit down with a meal and a drink, and more often than not, end up in a snuggled-up heap on the couch with a movie flickering on in the background. She hosted her fair share of them as well, but admittedly hers often involved an expensive night out at a restaurant. Kanji was the better cook, and he considered it a hobby more than simply something one needed to do to survive, but Naoto lacked the skill or drive to make a hand-crafted date night even without her long hours.

But this night would be an exception. She suddenly found herself with eight hours at home without him, and she would be a fool not to use that time to surprise him in the same way he always would with her. She’d throw him a date night so damn enjoyable that he’d forget all about his anxieties, no matter the cost.

That was… if she could find the damned recipe she needed to carry out her plan.

And so, she perused box after box in her investigation, leaving not even one overlooked. Old case files she’d had sent over from the Shirogane estate that had once belonged to her grandfather. An assortment of holiday decorations that really needed separating by date. Kanji’s miscellaneous box of scrap material. A box marked for charity of Naoto’s old clothes that had stopped fitting since she’d had Chihiro. Plushies. More plushies. Even the container of extra crockery, things that had come from the kitchen itself, bore no sign of the item she sought. An hour passed as though it were seconds, yielding nothing of value.

Had Kanji already moved it? It wasn’t as though she could ask him… Had they forgotten it? No, that apartment was spotless when they’d moved out. She’d triple checked it herself.

She foresaw herself spending all day searching at this rate… but she didn’t have all day. He’d be staying late for a debriefing, but even so, Kanji would still probably be home for five o’clock, and she still had to go to Junes to fetch the ingredients she was going to need.

Perhaps she could look it up online again? That was where Kanji had found it originally…

She sat herself, cross legged, on an old rug and pulled out her phone, plugging in the name of the recipe into a search engine, lifting her arm so that Mochi – tired of hiding – could come and curl up in her lap. And then, running the fingers of her free hand through Mochi’s fur, she began to scroll and click every site she could find.

But she recalled vividly the constitution of the page she was searching for, and none of these were it. She’d never read the words herself – having never made the recipe – and Kanji had decided to crop the name of the site it was from to maintain the ‘aesthetic’ of the folder, but she knew what it looked like. The colours, the typeface, the accompanying picture.

Nothing.

It was entirely possible the site had been redesigned or deleted. In which case she was out of luck online… It wouldn’t work for her to try a different recipe, it had to be that one. If it wasn’t that one, it wouldn’t taste the same, and then it wouldn’t be his favourite. Irritation began to swell within her as her endeavour began to look more fruitless, and she had to take a few moments to breathe and calm a little before moving onto her last resort: checking with Mrs. Tatsumi, with Yakushiji, and the Investigation Team on the off chance that maybe Kanji had lent them the recipe at some point.

Nos all around.

The irritation grew stronger.

And then, as though a timer had gone off signifying the end of her allotted time, the baby monitor sprung to life.

***

“Are… You even listening?”

Naoto huffed and folded her arms, wearing her most devastating expression of disappointment as she shook her head. She’d been talking for a good ten minutes, and she was beginning to wonder if any of it had been heard at all.

“’Course we are. You want to do something cute and romantic for the big guy, because you’re secretly a massive softie, but your first idea went bust.”

Yosuke offered her a cheeky wink and raised his soda cup in a mock toast, before turning back to fawn over Chihiro in Chie’s arms.

“But I dunno how you expect us to concentrate on anything else when you’ve brought this adorable little muffin along,” Chie added, putting on a baby voice and ‘booping’ said muffin on the nose. Chihiro giggled, her tiny face absolutely beaming with delight.

“Oh, I expect you to manage perfectly. If I can – if Kanji can – despite seeing every cute thing she ever does, then it should be no problem for somebody only exposed to it for a short while.”

A couple of hours had passed since Naoto had given up her search for the original recipe and had elected to change tactic. She would simply have to find… a different meal entirely. One that would still mean as much to Kanji. But a quick scour of the recipe books they had on hand in the kitchen yielded nothing.  And so, once Chihiro was fed and dressed appropriately for the late summer warmth, she walked her over to Junes to grab some supplies, hoping that by some pure miracle, looking at the ingredients on offer would spark some form of inspiration within her. Only, out of sheer coincidence, she had managed to time her visit perfectly with the end of Yosuke’s shift, and Chie’s day off.

The two of them could often be found talking in the food court on their off-hours. It had been that way since high school, through all the changes and remodels they’d made to the layout of the store over the years and would likely continue to be that way as long as Junes stood and they remained in Inaba. It was the secret headquarters of the Investigation Team, after all. It wasn’t a place you could so easily give up.

So, guided by tradition, they all sat together, sharing a Takoyaki selection in the summer breeze – a welcome change from the mustiness of the Shirogane residence garage – Yosuke and Chie completely spellbound by the baby while Naoto explained her predicament. She had hoped they’d be a little more attentive, and frankly more helpful, but… she supposed she couldn’t fault them. Chihiro was effectively their niece, and she’d been in Tokyo for the past year.

But at least they were making her happy. Seeing her so ecstatic, despite Kanji being gone for so long, certainly helped ease some of the anxieties she had been feeling about leaving her. Getting her acquainted properly with the people who would likely be babysitting her until well into her teens was certainly not a bad thing… although… Naoto was on a tight schedule.

“Aaanyway.” She rapped the table lightly with the tips of her fingers. “Regretfully my first idea – the one that was ah… ‘bust’, as you said – was also my only idea. I’m currently running at a loss on where to proceed from here…”

At the very least they were nodding along now, and looking at her as she spoke.

“…Chie-chan, do you have date nights? What do you usually do?”

“Hmm? Yeah, of course we do! But, uh… Yukiko and I always go out for ‘em. You know, because the inn keeps her so busy and I –”

“Can’t cook anything without it coming out tasting of cardboard?” Yosuke supplied, grinning. Chie shot him a mean look, but nodded nonetheless.

“Pretty much…”

“In most instances, that would be my go-to as well,” Naoto said, holding back a grin at Yosuke’s comment. “Hand-crafted anything is Kanji’s forte, not mine, but… we both agree the ones at home are more enjoyable, no matter how good the food may be in a restaurant.”

“You’re like… the most private people I’ve ever known, so that isn’t surprising.”

She gave an affirming nod. Lovely as it was to go all out sometimes at an expensive eatery, there were always… stares. No matter where they were, people would see them and notice. Sometimes they’d simply recognise the Detective Prince, and that was all they’d see. But other times their eyes would linger longer. They’d take note of Kanji’s piercings and spikes combined with the cute animals and soft colours, analyse Naoto’s dedication to old English fashion and deliberate lack of conformity to any gender, and then keep their gazes trained on the two of them as they attempted to pick apart every contrasting aspect. The way they looked and dressed alone, the way they looked and dressed together… it made going out in public difficult for two people who both struggled to some degree with social anxieties and a history of being scrutinised for the way they were.

Kanji had left the house worrying he was going to be judged. She didn’t want to put him through that twice in one day.

“Well, is there anything else you’ve made before that you know he likes?” Yosuke asked, helping himself to the Takoyaki  

Naoto frowned. “Well, yes, but all of it is rather… typical? I have a small repertoire, you see.”

“So you want something different? Hmm… Why don’t you just go ham?” Chie suggested with a genuine smile. “Grab stuff you think’ll go together and make a totally new curry. Heck, doesn’t even gotta be curry.”

“That’s how you end up with Mystery Food X: Redux,” Yosuke warned, and Chie’s smile instantly vanished. “Though actually, Naoto… In your sensible hands you’d probably be okay. You actually know how to cook.”

“If I wasn’t holding a baby right now, I would kick you.”

“Without a recipe at all…?” For a moment, the detective was left perplexed. But before long, a thought came across her mind, and that irritation from earlier came grumbling back into her periphery. “Yosuke-kun. Please. I simply don’t have the time to spare for your… japes and mockery. I need you to be serious.”

She expected him to laugh, as he often would when she caught him out while he was joking. She didn’t do so very often, loathe as she was to admit it, and it had become something of a game to Yosuke to see how long he could keep pushing her buttons.

But this time he threw up his hands instead, with… was that his face now contorted in confusion as well?

“H-hey, I am being serious. Promise. If you genuinely have no other ideas, then I begrudgingly accept that Chie might be onto something.”

“And I’m supposed to do that without instructions?” She asked incredulously, raising her eyebrows. Was she being foolish and naïve? Or was Yosuke the one reeking of inexperience? “You act as though you believe I have time to memorise every food combination, and how to make them work. I am a detective, not a chef, Yosuke-kun. Recipes exist so that I don’t have to preoccupy my brain with trivialities such as cooking from memory.”

“Hey, it was Chie’s idea, not mine!”

“You should know better.”

The raised voices and snipes were a staple of any conversation involving Yosuke and Chie, and at this point Naoto had come to learn that it was largely performative. They ‘fought’ with warm regards. She’d even reached a point where she was able to go along with it without utterly deflating the mood. But to Chihiro, with no grasp of the concept of banter, it was all just loud, frightening noises coming from people she didn’t know all too well. The conversation very quickly had to switch courses when a crying spell threatened to rear its head.

“You know… you never asked me what I do for date nights,” Yosuke pointed out once the baby had been settled. She now lay propped up on Naoto’s lap, nodding off with her little head resting on her chest. Naoto constantly considered herself fortunate that Chihiro wasn’t especially fussy. Sometimes on a good day all she needed to calm right down was a cuddle.

“Hmm?” she looked up. If Yosuke had said anything before that, she had been too preoccupied with gently coaxing her daughter to nap to hear it. “Oh, no, I suppose I didn’t…”

Chie, who had moved into the more comfortable position of resting her chin on her hand now her arms were free, scoffed slightly.

“Dude. Maybe because you don’t have anybody to date?”

“Well… No, but I’ve been on dates. More than one with the same person. I have experience, I’m just… not experiencing it right now.” He rubbed the back of his neck, casting his gaze off to the side. “Dinner dates aren’t really my thing though…”

“So, why’d you even bring it up?”

“Hey! I’ve been on… like, one dinner date. I’m just not the guru of them!” He shrugged. “It’s an interesting story actually… I got set up a few years ago by my bandmates, and it turns out the guy isn’t my type at all. But I didn’t want to say no without at least giving him a chance, so… Y’know. He wants to go out to this fancy French place, but we get there and they’re closing early because of… Uh, I think the kitchen flooded or something like that? So, he takes me back to his place and leaves me there, runs off to go shopping, and comes back and cooks a three-course French meal himself.”

“And you didn’t marry him on the spot?”

“Nah. We did a couple more dates but it didn’t really work out. We weren’t super compatible...”

“Is this why you get Rise to vet anybody you’re gonna date now?”

“Pretty much. You guys know me best, so…”

The two of them continued to talk, but from Naoto’s perspective, their voices had been drowned by her thoughts into a dull and distant murmur. From the moment Yosuke had finished his story, the gears in her brain had whirred into motion, working their way into fabricating a plan formed from his words.

It had hit her at last. A wave of inspiration and relief, tantamount to the feeling she would have when she’d finally cracked the secret to a particularly arduous case.

A plan. Followed by a conjured image of how Kanji’s face might look when he saw it.

“Yosuke-kun…” she began, standing slowly so that she did not wake the baby and gently lowering her into the buggy she had parked next to her seat. “Would you be able to look something up for me? While my hands are full.”

***

January 19th, 2025. Little over a year and a half ago. London, England. They’d been abroad for a few weeks at that point, Naoto on a case for the Shadow Operatives, and Kanji taking advantage of her hotel room to table at an artist’s alley in a convention.

It was something of a special occasion. Kanji’s 29th birthday had been the original cause for celebration, but to him at least that was very much an aside. It was, what, only three hours prior to reaching the restaurant that they’d found out Naoto was pregnant.

There had been several sources for the reasoning behind Naoto’s choice in establishment, and unlike most of her destination picks while they’d been in London, none of them had a single thing to do with Sherlock Holmes. The ones that stood out the most: a churning in her stomach – simultaneously a mental and a physical reaction to her current condition – and a particularly mournful image of her mother-in-law from a few months prior.

“There was this little place my late husband and I would always take Kanji when he was young, if we had to travel to Okina. Italian, it was, family run. I just heard from a customer that it was recently shut down because the owner passed. It has me a little down to think of, that’s all Naoto dear.”

A precious memory from Kanji’s childhood was no small matter, harrowing as such a thing was to think. And Italian… parsing through her options in her mind as she browsed the local restaurants on one of those food apps, Naoto took note of how the one being advertised made her insides turn the least at the thoughts of it. It was one of those smaller, more community-based places, while the others were either going to be full of too-rich smells for her poor stomach to handle, or full of classy, antiquated rules and stares that she didn’t feel up to taking that day.

She didn’t want to make her husband eat hotel food on his birthday… And nor did she want to worry him all evening by being exceptionally edgy. So it didn’t take very long at all for her to have dialled the number for the family-run Italian place, and had booked them a table for two that evening.

The food had been… good. Standard fare for that kind of place. But Naoto was a harsh critic – even without feeling deeply unwell, she had been to Italy. And yet, in all the fifteen years she had known Kanji, she could not recall a single meal out where he seemed to have enjoyed himself quite as much as that. The rush of euphoria from learning he was going to be a father had apparently been enough to turn any experience he may have had that night into the best date night of his life. And Naoto knew the kind of man he was. Sentimental, perceptive, prone to dwelling on the little things. He’d remember, starkly, what he had eaten then.

It was just a pasta meal. She recalled it being made with chicken and a creamy, pesto-based sauce, and Yosuke’s internet search had quickly pulled up a recipe for something along those lines. It wouldn’t be the same – these places kept their recipes close to the heart – but that didn’t matter. Her plan had now become a case of finding something symbolic, over finding something that tasted good.

“I think he’s really starting to rub off on you,” Yosuke had noted as Naoto had prepared to rush off to grab the ingredients from the recipe he had found. “Kanji, I mean. In a good way.”

She’d queried him on that. Her own sharpness didn’t exactly extend to analysing herself.

“I just meant that five years ago, I don’t think you’d ever have thought to do something like this. I always took you for the… less cliché of the two of you. Didn’t you propose to him spontaneously in a cat café? If you don’t mind me asking… why is this the first thing you thought to do for him?”

A pause for Naoto to collect her thoughts. One that, much to everyone’s surprise, didn’t last nearly as long as it might have.

“It’s… because this is logical to me. A dinner date – it’s the simplest, most common activity in the books. It’s a cliché because its effective. Because food is one of those love languages that transcends barriers, and to somebody who struggles in most social situations, like Kanji, like me, you must understand that something like this is a life saver. It’s a change to our routine that really doesn’t change all that much.” She smiled to herself. “Kanji does this to make me feel happy. So many people do, for the person they love. It only makes sense to me that I follow their lead.”

It was that way for most matters of the heart, she thought to herself as she balanced a packet of chicken on the hood of the buggy. She had never known how to act in these situations, how to express the feelings she had. And while she’d devised some unique little ways that she had managed to convey to Kanji, oftentimes the most effective means of telling him that she loved him was to simply use another person’s idea as a foundation. She had her own experiences as proof that it worked. After all, Kanji was a person who had been so starved for and scared of affection as a child that now, almost anything that said ‘I care about you’ was enough to draw him to tears. And Naoto was no different. He was more physical than her, and really that was the only major way in which their feelings towards romance diverged. The things that made one of them happy was sure to leave the other in the same state.

***

Naoto loved Kanji more than she hated cooking. That was really the defining fact that made this entire plan of hers possible at all.

Because she really hated cooking.

“I’ll prolly be home in like… forty minutes,” Kanji had told her over the phone when she’d given him a tentative call at just gone four to gauge how long she had. Pasta wasn’t exactly something she could make well in advance – just the thought of reheating it or overcooking it made her skin crawl. It was one of those things she needed to be perfect. Kanji, thankfully, didn’t have a preference.

So, she’d had to leave making the actual meal until as close to Kanji’s arrival as she could predict. But it wasn’t as though she had time to spare… She had to make the table, feed the cats, feed the baby, put the baby down for a nap…  

Then she had to cook the chicken and the pasta… that was fine, it just… radiated a lot of heat for a day that was already rather warm. Inaba’s houses were old, and they didn’t yet have much ventilation or air conditioning.

Then was the sauce, and she had to do some vegetables, but she had to keep stirring the sauce so it didn’t ruin the consistency, and she had to keep turning the meat and the veggies so they wouldn’t burn, and oh, the pasta might stick or become overdone if she wasn’t careful. Then it would just become stressful. Every meal, every time. No matter how methodical she tried to be, it would always devolve into this.

It was a focus thing, she was sure. When she homed in on a task or a detail, it became quite difficult to switch gears on the fly. A useful skill for analysing a murder case. Not so much for cooking.

It was why, when they were both at home, she and Kanji would often just cook dinner together.

But occasionally, and for the sake of somebody she cared about, it was worth it.

She was just at the stage where she was plating up the food, trying to get it to look as it did in the picture on the website, when the familiar sight of an old, dusty car that had at one point been purple staggered its way up their driveway, starkly contrasted with the shiny motorcycle it had pulled up next to. As Kanji climbed from the car, Naoto carefully studied his face, trying to glean from his expression how exactly he was feeling in that moment. But Kanji had a naturally angry look to him, so such a task was often difficult to undertake.

“You makin’ garlic bread, Nao?” he called from the porch almost as soon as the door had slid shut.

“You’ll see,” was all she said in response. With Kanji just moments away from seeing what she had done, she found herself buzzing with anticipation.

“Wuzzat s’posed to mean?” he asked, sticking his head around the door into the kitchen.

For a moment, his forehead crinkled as he took everything in, his eyes lingering on the table made up as closely to that of a restaurant as Naoto could manage, with cloth, candles, and an arrangement of Kanji’s favourite red roses (albeit that was rather haphazardly done).

And in that moment Naoto felt as though her heart had somehow managed to stall.

But the tension was brief, quickly dissipated by the biggest, goofiest grin taking up a huge portion of Kanji’s face.

He strode into the room and pulled his partner into a powerful hug all in a motion that was so fluid, you wouldn’t think it was Kanji performing it.

“I can see you’re ready to reopen the agency, huh?”

Naoto smiled and shook her head, before snuggling her cheek into Kanji’s chest. “Don’t mistake this for a fit of boredom – I’ve been anything but. Welcome to our first date night back in Inaba.”

“Huh? W-wait, hold up… Date night? You did this… fer me?”

His eyes threatened to grow wider than his smile had those few moments earlier, as the realisation of the circumstances slowly began to dawn on him.

Then, as was customary for Kanji whenever Naoto would do anything for him ever, his face turned a brilliant shade of scarlet, and he began stammering unintelligible gibberish.

“Quickly now, before it cools down!”

“Y…Yuh…”

This was… odd. Kanji seemed unequivocally, unprecedentedly broken. His movements as he crossed to the counter and grabbed his plate, were mechanical, shaken, even. They weren’t unheard of for him, but it was as though they had suddenly been transported fifteen years into the past once more. Before they had fallen in love, before they’d even been close friends, when Kanji was so overcome with embarrassment whenever they spoke that he would be unable to function.

Now they were married, it wasn’t exactly commonplace.

Had something happened to him at work which had left him overwhelmed?

“Kanji?” Naoto called out tentatively as they took their seats.

“…huh?”

“You seem… Rather out of it.”

He blinked a couple of times and shook his head. “Right. Yeah… Sorry…”

He cleared his throat and repeated the process of shaking his head.

“It’s just, uh… ‘M kinda at a loss for words. This is… Wow.”

A tension she hadn’t recognised until it was gone suddenly flooded from her body with a sigh of relief.

“For a moment there I was concerned that something was wrong, so –”

“More like… everythin’ is right. I never pegged you fer someone who’d do date nights Tatsumi style.”

“…Tatsumi style? So this…” she waved an arm across the table. “This is something you observed… what, from your parents?”

He nodded. Naoto didn’t realise it was possible for him to turn redder until just then.

“Ain’t really a lotta options for fancy restaurants like what you do out here. Ma and my old man always improvised at home. I know cookin’ yer partner a meal ain’t somethin’ my folks made up, they just ended up callin’ it that… Nickname kinda stuck.” He rubbed the back of his head.

“Well, I suppose I have rather adopted a Tatsumi way of behaving today. Our roles have been utterly reversed. Why, I daresay after dinner, I shall take up a crochet project, and you’ll lull our Chihiro to sleep by reading her more of ‘A Study in Scarlet’.”

“I love you, Naoto.”

“Eh?”

But instead of elaborating, Kanji simply left his partner to turn an equally furious shade of red while he took a bite of the food. Naoto found herself so flustered that she didn’t even have time to be nervous about him trying the dish.

But, she supposed, she didn’t really have anything to worry about. This was Kanji.

“…I better never hear the words ‘I’m not very good at cooking’ comin’ from yer mouth again.”

“Well… Regardless of the quality of the food –” she began, about to launch into a spiel about how the mess she made, and how stressful it was for her, suggested that she technically wasn’t exactly on the level of a master. But all it took from Kanji was a single glare, and she stopped herself.

This was supposed to be a pleasant evening. And he did hate when she was self-deprecating in any capacity.

“I’m glad you like it Kan-chan.” She smiled, taking her own first bite. Hmm. Not bad. She wasn’t sure how this was supposed to taste – she’d been feeling far too unwell that night in London to eat much at all, so she’d ordered a lighter dish – but how it did taste was pleasant.

“Better than it was on my birthday that one time. Dunno if you remember, but at that one Italian place when we were in England –”

“Where do you suppose I gained the inspiration to make this particular meal?”

“Huh? Well shit, haha. Last time I ever doubt yer memory.”

“Hm, well… I don’t think I’m capable of forgetting that day…”

Kanji slid his free hand across the table and placed it atop hers, rubbing his thumb soothingly over her knuckles. Strange, she noted, that the nail was still painted black; she was sure the school would make him take the colour off alongside his piercings.

A nagging feeling in her chest, her stomach, her mind was begging her to ask him how it had gone. But it was not the only train of thought on the feeling that she had. What if Kanji didn’t want to talk about it yet? What if it was best to simply… enjoy the meal in ignorant bliss? Was he waiting for the right time, or for her to say something?

He looked as though he were about to speak now, was that the subject he was going to bring up?

“How has Chihiro been today?”

No. Of course not. The subject of work would have to wait.

As with… most of their conversations over the past year, the rest of the meal was largely dominated with Chihiro. Naoto describing, in detail, exactly what she had done, and Kanji’s expression growing fonder and fonder with every word. By the time they were done eating, he looked as though he were going to cry.

“Kinda sad that this is our lives goin’ forwards…”

“Hm?”

“Nothin’… just been missin’ her at work is all.”

The nagging feeling was very quickly becoming anxiety. The first mention of his day all evening, and it was something negative.

“Kanji, was everything –”

A sound suddenly stole her words before she had the chance to finish. A baby crying, as audible through the walls as it was the baby monitor on the counter.

“Prolly needs changing, huh?” Kanji smiled, rising to his feet. “Mind if I take this?”

“Please… She probably misses you too.”

In the time that Kanji was attending to the baby, Naoto managed to load everything that needed cleaning into the dishwasher, and found her way to the living room, and then to the couch. But her mind wasn’t exactly responsive as she did so.

Kanji… was worse than she had anticipated… More than just a simple meal could possibly hope to fix. Why on earth… What delusion had she been under to think, with how he’d been these past few days, that a little romantic gesture would be all he needed to feel better.

Amidst the haze that was buzzing in her mind, she vaguely registered her hands clenching into fists.

At some point, goodness knew when, Kanji had reappeared in the room and had sat down next to her, taking off his glasses and rubbing the bridge of his nose.

“She’s back down. Heh… Wanted to play as soon as she saw me, the little tyke, but could barely keep her eyes open long enough to do it.”

“She’s had… a busy day.”

“Ain’t we all?” he said with an air of exhaustion about him, placing his glasses gently on the kotatsu in front of them and then sinking back into the couch. “You ready for tomorrow?”

“I’ve been ready for weeks. Waiting on other people…” Naoto mumbled in response. Her gaze had fallen as she’d spoken to her socks, and she could not bring herself to remove it until Kanji nudged her with his arm.

“Hey. You good, Nao?”

“…Are you?”

That brought the conversation to a standstill.

“Would ya believe me if I told ya I was jus’ tired?”

“Only… partially.”

He gave her a half smile and repositioned himself so that his head lay on her shoulder.

“It was… a pretty exhaustin’ day… Lotta new stuff. Lotta old stuff too… that school ain’t changed in twenty years. Amazing it’s managed so long.”

Naoto just made an affirming noise and let her hand come to rest on his shoulder, pressing her cheek onto the top of his head. Best just to let him speak, she thought.

“Ain’t none of the people I knew still there but… they knew who I was. Course they did… didn’t expect any different. An’ you know what?”

“Hm?”

“Most of ‘em just complimented me on the plushies. They knew me ‘cause of the shop, not… ‘cause of the delinquent shit.”

“Well, that’s… good, is it not? That’s what we hoped would happen.”

She felt him shift his head as though he were trying to nod. His arm had worked its way around her waist, and she felt him bunching up the fabric of her dress shirt in his fingers as he spoke. It was an unconscious habit of his. Most notable when he was nervous.

“Yeah… Never said it weren’t good. Jus’ that I was tired. And that I missed my kid. And you.”

Naoto drew a deep breath. “It seemed like something was wrong, that’s all. I’ve been worried about you. All day. All week.”

“…That why you’re not okay?”

“Yes! Effectively!”

Another brief standstill.

“Sorry ‘bout that… Really… Last thing I wanted was for my bullshit worrying over nothing to affect you too.”

Naoto squeezed his shoulder slightly.

“You should know by now that such a thing is impossible. The same can be said of you, to me. We’ve been in this partnership since we were in high-school, Kan-chan, we can’t simply… hide our true feelings any longer. We know each other too well to be caught out.”

“Yeah… s’pose you’re right… I did appreciate it though. Back before I went in today and realised my worries were a load ‘a crap. I… I dunno, I guess comin’ back to Inaba after so long had me thinkin’ that everythin’ was gonna go back to the way it was.”

“Kanji… You weren’t… Please don’t tell me you’ve been thinking that way since we first planned to come.”

Silence. Naoto’s heart dropped. Obviously, that meant she was right on the mark.

Good lord, she had still been expecting when they’d first discussed moving back! Their daughter was one in a week!

“’s in the past now though. All of it,” he said eventually. “Physically this place ain’t no different, but I guess the vibe has changed since we were kids. Maybe… Enough time has passed now that I ain’t gotta worry about… the guy I was.”

“Kanji… I rescind what I said earlier. About how it’s impossible to hide our feelings from each other. Please… when it’s something serious like this, I implore you to tell me.”

Her eyes stung, but she refused to cry. If she did, he’d try to make this about her, and dammit, she was tired of it being about her. The entire point of everything she had done that day was to make it about Kanji for once in his life.

“…’M sorry, Nao…”

After that, for a long while neither of them spoke. They simply adjusted themselves into a position where they could more easily cuddle and sat there, snuggled into each other as the dwindling oranges and purples of the twilight sky gave way to darkness.

Kanji was the one to break the silence, his voice so slick with sleepiness that it was demure in a way which was much unlike him.

“Hey Nao… Yer still awake, right?”

“Mmhmm…” she responded. It was… mostly true.

“Y’know, I’ve been thinkin’. I got a new goal now we’re back here… I wanna be able to look that bastard in the eye and tell him he ain’t me. Not because I’m denyin’ anythin’, but because he ain’t.”

“Him? Your Shadow?”

“Yeah. Like you can, y’know? If your Shadow popped their head back up and started sayin’ the same shit as before, you could just tell ‘em: ‘you’re wrong.’ ‘Cause they would be.”

“But they wouldn’t say something like that. My age and gender no longer cause me grief to the level they had in my youth, so my Shadow wouldn’t bring them up.”

Of course, they wouldn’t. Naoto thought that was obvious. She was thirty-one, very much an adult, and any doubt she had about whether she was a man or a woman were significantly eased when she had learned that she could be both and neither. She had no lack of confidence in those aspects of herself, regardless now of what other people thought, so there was no way the Shadow could use them as ammunition if they were to reappear.

But based on Kanji’s next statement, suddenly full of more vigour than his words prior, she wondered if perhaps she had misunderstood where he was coming from.

“Yeah, but that’s what I’m saying! The stuff your Shadow said back then… It ain’t even crossin’ your mind anymore. I wanna be the same… I mean… It’s not that I ain’t happy with who I am. I like cute shit, and sewing, and all the stuff like that. Shit, I’m bi as hell. I can say that stuff proudly. It’s…” he huffed. “For some reason, it’s like I can be confident in myself all I want, but in my head it don’t mean shit unless everyone else feels the same way. An' as long as I got a history as 'the guy who beats up bikers', it's like that day ain't gonna come... I’m… still scared shitless of bein’ rejected after all these years... It’s like… every time I meet a new group of people, I just end up wonderin’ how long its gonna be before they brand me a thug and cut me and everyone I care about off. Think that’s kinda the reason it’s been weighin’ on me again so much more recently. I start comin’ up with scenarios in my head where it gets outta hand and Chihiro gets hurt ‘cause of it.”

As he spoke, his hug became tighter.

“Kan-chan…”

“So, my goal is to get to a place where I don’t constantly worry about that stuff. Where if that bastard showed up again and said that kinda shit, I could deny him with my whole heart and know for certain that I’m right an’ he’s wrong. An’ before you say shit, I know that ain’t how Shadows work. That’s jus’ the image I use in my head to try an’ visualise what I’m itchin’ to do.”

He added that last part with a hint of a laugh to his tone.

So that was why he took a job he was so caught up about? As some concrete way of proving to himself that he would be okay if he did?

A self-destructive means of gathering evidence for a hypothesis… hm… perhaps Naoto’s inheritance of Kanji’s traits over the years had gone the other way as well.

“I didn’t realise it was possible to be so unbelievably proud of somebody, while simultaneously thinking them a fool…” Naoto ensured to keep her own tone bright, so that he would know she spoke in endearing terms. “You know I would have supported you through this if only you had told me –”

“Hah. Yer actin’ like you take me for the kinda guy who thinks this shit through… this ain’t exactly something I’ve been plannin’ or nothin’, it just sorta… came to me now.”

Oh, so it was a subconscious instinct?

Then perhaps he would be safe from her bad influence for just a little while longer…

“Well… regardless of how much preparation has gone into it… it is a good goal to have in mind, so long as you’re comfortable with the pain it may bring in the process.”

“Yeah. No problem. Anyway…” he sat up and looked her in the eyes. “What was that you were implyin’ with the whole ‘you know I would have supported you’ bull you just said?”

Naoto frowned. “It’s the truth –”

“Yeah, I know it’s the truth. Because you have been supportin’ me, dumbass. You ain’t ever stopped.” He thrust his arm in the vague, general direction of the kitchen, a wild delight dancing in his eyes. “You spent the last day of yer maternity leave makin’ sure I’d have a good evenin’ because you thought I needed cheerin’ up.”

Naoto felt her cheeks heat up. “I… I only did what you would do for me…”

“Yeah, but it ain’t like I made you do it. You still made the decision. It’s amazin’, an yer incredible, and adorable, an’ you make a freakin’ awesome pasta, an’ I can’t believe how lucky I am to have you.”

She knew she was blushing harder and harder with every word, to the point where all she could think to do was bury her face into his shoulder.

“Feel kinda bad that we kinda got side-tracked from the ‘date night’ though… Sorry if you had anything else planned.”

“No, no, don’t feel bad. I did this because I thought you needed it, Kanji. And I don’t suppose I’m wrong in suggesting that you very much needed this talk as well?”

“…You ain’t wrong… Not at all.”

“And do you feel any better for having it?”

“Mmhmm.”

Naoto lifted her head and gave him her warmest smile. “Then I can safely declare this date night a resounding success.”

“Damn right, you can! But uh… I don’t wanna take away from anythin’ else you mighta wanted to do, so –”

The heat in her cheeks returned as quickly as it had vanished, and she sheepishly averted his gaze. Right. Date night was usually more than a meal.

“Uhm... About that. Kanji, I’ll be perfectly honest with you, I… I was so caught up in trying to find a recipe for dinner that it never even occurred to me to look for a movie or something to do afterwards.”

She offered him an apologetic look, but his immediate response was only to laugh and hold her closer.

“Don’t think I coulda made it through a movie anyway… I’m beat…”

“As am I. I think I may drift off here…”

It quickly became apparent that each of their ideal end to the evening would be to turn in early and hope to gain a restful night – something that was near impossible with a small child. Whether such a thing was an indication of how eventful their day had been, or whether it was simply a sign of them getting older, neither really cared to consider. Instead, they just ensured the house was secure, called the cats to follow them, and moved upstairs as quietly as they could so that their footsteps wouldn’t cause Chihiro to stir.

It wasn’t until Naoto had switched her outfit for one of Kanji’s old shirts and was brushing her teeth in the upstairs bathroom that it dawned on her: there was still one aspect of her day that had yet to be cleared up.

And now that it had come to mind, she feared she may be unable to sleep until she had an answer.

“Kan-chan?”

“Hm?”

“You know the binder you keep with recipe print-outs…? Do you have any idea what box it’s in?”

His face was mostly buried by the bedsheets by now, but she could tell from the part she could see that he was thinking hard.

“Uh… Oh! My car.”

“…Your car?”

“Yeah. I didn’t want the other kitchen stuff to squash it, so I put it separate. I see it every time I go in there an’ I keep saying I’ll bring it in and never do. How come…?”

Naoto heaved a great sigh and flopped on the bed besides him. It wasn’t until her face hit the pillow that she realised exactly how exhausting her day had been. “So you had it all along… I never would have found it.”

“You were lookin’ for it?”

“I was. I wanted to make you that curry instead, the one you called your favourite.”

“Ohhhh. I getcha now." He laughed. "That woulda been a good choice. But y’know anythin’ would have been fine. I got a real soft-spot for Italian food, hehe.”

“I like that curry myself though,” she added, as she shuffled under the covers. “It’s rare to find something spicy that you can handle as much as I…”

“You do, huh? I see.”

There was silence for a while. And then…

“Hey, Naoto…?”

“Mmm?”

“When’s your next day off?”

“My next day off…? That would be Sunday… Why?”

But Kanji didn’t answer. Instead, he just leaned over to kiss her goodnight, and then, with a sleepy smile, he rolled over and went to sleep.

[melissawalker01]

DOPL Hearings

A professional license represents the culmination of years of perseverance and sacrifice. It carries with it not only the key to your livelihood but a new world of responsibilities. For many professions, these responsibilities are governed and enforced by the Utah Division of Occupational and Professional Licensing (DOPL). DOPL is a Utah state agency tasked with the licensing, investigation, and regulation of roughly 60 different professions within the state. From plumbers and dieticians to funeral directors and midwives, contractors, doctors, DOPL acts as gatekeeper and watchdog in an effort to preserve the legitimacy and integrity of dozens of professions. And these are, without a doubt, valuable functions, both to consumers and to professionals within these fields.

But a DOPL inquiry represents a challenge not only to your competency and judgment but also to your very livelihood. At worst, your professional license could be revoked. But even a suspension or a public reprimand can have serious repercussions for your professional reputation. Once a complaint has been filed with DOPL, it goes through a preliminary review. That review results in one of three findings: I. no violation; II. violation, but beyond DOPL’s jurisdiction or authority; III. or violation within DOPL’s jurisdiction or authority. The first finding is, of course, the best outcome for a professional against whom a complaint has been made. When there is a finding of no violation, the file is closed and no public reporting of the matter occurs. The second finding generally does not end the matter. DOPL may pass the matter along to the appropriate authority to investigate, or DOPL may issue a letter of concern regarding the matter to the professional involved. A letter of concern will bring the issue to the professional’s attention, and it will give the professional a chance to respond. A letter of concern is not public, and it is not a disciplinary action. However, a letter of concern on file with DOPL may have an effect on DOPL’s determination on any future complaint. The third finding will trigger a more in-depth investigation by DOPL. At what point the professional is notified depends on the individual investigation. Depending on what the evidence shows, one of a few different types of hearings will be called. These are administrative hearings, as DOPL generally functions under the Utah Administrative Procedures Act.

The hearings usually take the shape of a mini-trial. In every instance, the professional will have an opportunity to be heard, and to tell his or her side of the story. Navigating administrative procedures even the “informal” ones can be perilous. And your story and personality can get lost in the shuffle. If you’re facing disciplinary actions from DOPL, please contact a competent Lawyer. Informal Violations Are Resolved In One Of Three Ways: • Administrative Citations: A citation is the imposition of a cease and desist order in response to the unlawful or unprofessional conduct. Examples of citable offenses are practicing without a license, exceeding the scope of a license and hiring someone who is requires to be licensed that is unlicensed. • Stipulated Agreement: A stipulated agreement is a written settlement accepted by all applicable parties with regard to the involved individual’s license. It may also result in the voluntary surrender of an individual’s license. • Informal Adjudicated Proceedings: Is a case that is initiated by notice of agency action and decided or resolved by a file review as opposed to a hearing.

Formal Violations Are Resolved As Follows

• Stipulation Agreements: Same as informal stipulated agreements. • Formal Adjudicative Proceedings: Is a proceeding initiated by a notice of agency action with a Petition and decided or resolved through a formal administrative hearing. This is similar in some ways to a civil court. Each party may present evidence in response to the case. An administrative law judge rules on all evidence, procedures and legal issues. DOPL is represented by an Assistant Attorney General and the involved individual may be represented by personal legal counsel. At the conclusion of the hearing, the Board considers the evidence and makes a recommendation regarding the status of the individual’s license. The recommendation is submitted to the director of DOPL who may accept the entire recommendation or may issue a modified supplemental order. Recent items that have been brought before the Board for consideration are: • Tele-dentistry • Advertising • Anesthetic and Sedation Rules Update • Administration of Botulinum Toxin and Dermal Fillers by dentists.

Pre-litigation Hearings in Medical Malpractice

• In Utah, medical malpractice tort reform began in earnest in 1976. Over the intervening years, the reforms have multiplied. New layers of limitations and procedural complexity have developed, seemingly by accretion. Almost nothing has been discarded. The result is a web of time-consuming requirements that a prospective claimant must successfully negotiate before ever filing a lawsuit. If you represent the petitioner, the goal of this process is to obtain a certificate of compliance. The certificate is a prerequisite to filing a complaint in all cases except those against dentists. • The First Step Petitioner serves a notice of intent to commence litigation on the care providers. Within 60 days, the petitioner must file a request for prelitigation review with the Utah Division of Occupational and Professional Licensing (DOPL) with a copy of the notice attached. • The notice must be served as a complaint or sent by certified mail. Claims against dentists, but not the dentists’ clinic and staff, require only a notice. Dentists are exempt from the prelitigation hearing requirements.

• If the notice is filed less than 90 days before the statute of limitations would expire, the new limitations period is 120 days from the date of service. • Filing the request tolls the statute of limitations until dismissal of the prelitigation proceeding; 60 days from issuance of the panel’s opinion or issuance of a certificate of compliance; or the expiration of time for holding a hearing. • Setting a Hearing After filing the request, DOPL either issues an approval or a denial. If denied, the statute of limitations will no longer be tolled and the time will run until petitioner files a new request for prelitigation review. • Dismissal does not affect the new 120-day time limit if you served the notice within 90 days of expiration of the statute of limitations. The request must be filed with DOPL within 60 days of serving the notice or a new notice and request will need to be served and filed. If the request is approved, respondent files a notice of appearance of counsel within 15 days. The respondent may also request a specific specialty to sit on the panel. • The petitioner will then contact the respondent to establish two mutually-acceptable dates for a prelitigation hearing. Petitioner files a notice of availability for hearing and type of health care provider panelists requested. The dates must be at least 45 days after filing the notice of availability. If you fail to timely file, DOPL can dismiss your request though DOPL may grant an extension on request. • If a notice of availability cannot be agreed to, petitioner files an affidavit of respondent’s failure to reasonably cooperate in scheduling hearing. This must be filed within 180 days of the request and must state that the prelitigation hearing could not be held within 180 days of request. • If DOPL determines that respondent failed to cooperate and that petitioner cooperated, they will issue a certificate of compliance. If DOPL determines that respondent cooperated or that petitioner failed to cooperate, petitioner must file affidavits of merit within 30 days of this determination in order to obtain the certificate. • If the agreed dates are acceptable to DOPL, they will issue a notice of prelitigation hearing and panel composition. Parties have five days to object to the composition of the panel. • If at any time the parties stipulate that the hearing will serve no useful purpose, DOPL will cancel the hearing and issue a certificate of compliance. • If there is a scheduling conflict, the parties have five days after discovery and two days prior to the hearing to file for a continuance. It will only be granted in extraordinary circumstances. If the continuance is granted, the requesting party must establish two mutually-agreeable dates for rescheduling. They must be no later than five days after the order of continuance and the hearing must occur within 180 days of the request. • If the petitioner is the requesting party and a rehearing is not timely filed, DOPL will dismiss the request without prejudice. If the respondent is the requesting party and a rehearing is not timely filed, DOPL will establish a new date that is acceptable to the petitioner and disallow continuances from the respondent. • The Hearing Counsel for petitioner and respondent should arrange to attend the hearing with their clients. Prelitigation hearings are informal and nonbinding. There is no transcript made. There is no cross examination; however, the panel members may ask questions. The hearings are confidential. • Each party will have 15-20 minutes to make a presentation to the hearing panel. Each party may submit evidence by proffer. Attorneys have a wide variety of approaches. Most submit a selection of relevant records and explain their view of the case in the context of the records. They may choose to use medical imaging or diagrams or attach medical literature. Respondent physicians will often explain the care they provided. Some attorneys submit expert affidavits at the hearing. The petitioner may offer a brief rebuttal. • Following the hearing, the panel deliberates and decides whether there was a breach in the standard of care; and whether the breach in the standard of care harmed the petitioner. The panel issues its opinion within 30 days of the hearing. If the answer is affirmative to both questions, the opinion is meritorious and DOPL issues a certificate of compliance. If the answer to either question is negative, the opinion is non-meritorious. If non-meritorious, the petitioner must file affidavits of merit within 60 days of issuance of the panel opinion. Within that time, the petitioner may seek a 60-day extension to file the affidavits by submitting an affidavit for extension. • Affidavits of Merit There must be one from counsel and one or more from appropriate health care provider(s) that address the issue(s) that the panel found to be non-meritorious. • The health care provider affidavit regarding standard of care must be from a care provider with the same licensure as the respondent. If one respondent is a physician, there need be only one physician affidavit as to all respondents if the physician offers an opinion as to each respondent. • If the panel found no breach of the standard of care, the health care provider affidavit(s) must include an opinion that there was a breach and that the breach caused the harm complained of in the notice. • If the panel found a breach in the standard of care but no causation, the affidavit only needs to address causation. • After the affidavits are filed, DOPL issues a certificate of compliance.

Professional License Defense Process

A professional license investigation is generally initiated by Utah Division of Occupational and Professional Licensing (DOPL) after a complaint has been filed. Understanding the professional license defense process can help not only provide a sense of understanding during a difficult period, but also help you avoid pitfalls that may limit your defenses.

How Arrests & Convictions Affect Professional Licenses in Utah

If you’re a licensed professional in Utah like a doctor, teacher, Dentist, Contractor, or real estate broker your livelihood may be in jeopardy for sustaining certain kinds of criminal convictions. Authorities across the state are reviewing court records, running fingerprint checks and investigating complaints. Professionals without clean records face license revocation or suspension. The good news is that professionals have vested interests in their licenses. The board, department or commission that regulates you can’t just take away your license without giving you a chance for a hearing.

Can I Lose My License Because Of A Conviction?

Maybe you caught a few DUI’s or engaged in an out-of-character shoplifting spree. Maybe you did something really stupid involving weapons or narcotics. Maybe you made a mistake and now have things under control. When it comes to professionals and criminal convictions in Utah, however, even if you’ve turned things around, fulfilled your probation terms, gotten your case dismissed, etc., past convictions can continue to haunt you. If you were convicted of a crime that your regulatory board or department considers substantially related to your fitness to do your job, it may be able to revoke or suspend your professional license. In fact, you might be reading this because you’ve already received an accusation notifying you of conviction-related discipline. If you don’t hold a license but have applied for one, you might have received a statement of issues.

Can I Have A Hearing On My Discipline Case?

The hearings are governed by the Administrative Agency Law and the General Rules of Administrative Practice and Procedure. Unlike civil litigation in the courts, there is very little discovery in the administrative law setting. The prosecution will generally supply copies of documents it intends to introduce at the hearing. It is important that the attorney knows which additional documents to request so that he or she can properly defend the case. In certain situations where the prosecutor will not turn over evidence, the attorney must request a prehearing conference with the hearing officer to obtain the documents. Additionally, the hearing examiner has the authority to issue subpoenas to various third parties to either attend the proceedings or produce relevant documents. It is important that the attorney be familiar with the administrative law process to properly defend the professional.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

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The post DOPL Hearings first appeared on Michael Anderson.

from Michael Anderson https://www.ascentlawfirm.com/dopl-hearings/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/632280248598380544

[coming-from-hell]

DOPL Hearings

A professional license represents the culmination of years of perseverance and sacrifice. It carries with it not only the key to your livelihood but a new world of responsibilities. For many professions, these responsibilities are governed and enforced by the Utah Division of Occupational and Professional Licensing (DOPL). DOPL is a Utah state agency tasked with the licensing, investigation, and regulation of roughly 60 different professions within the state. From plumbers and dieticians to funeral directors and midwives, contractors, doctors, DOPL acts as gatekeeper and watchdog in an effort to preserve the legitimacy and integrity of dozens of professions. And these are, without a doubt, valuable functions, both to consumers and to professionals within these fields.

But a DOPL inquiry represents a challenge not only to your competency and judgment but also to your very livelihood. At worst, your professional license could be revoked. But even a suspension or a public reprimand can have serious repercussions for your professional reputation. Once a complaint has been filed with DOPL, it goes through a preliminary review. That review results in one of three findings: I. no violation; II. violation, but beyond DOPL’s jurisdiction or authority; III. or violation within DOPL’s jurisdiction or authority. The first finding is, of course, the best outcome for a professional against whom a complaint has been made. When there is a finding of no violation, the file is closed and no public reporting of the matter occurs. The second finding generally does not end the matter. DOPL may pass the matter along to the appropriate authority to investigate, or DOPL may issue a letter of concern regarding the matter to the professional involved. A letter of concern will bring the issue to the professional’s attention, and it will give the professional a chance to respond. A letter of concern is not public, and it is not a disciplinary action. However, a letter of concern on file with DOPL may have an effect on DOPL’s determination on any future complaint. The third finding will trigger a more in-depth investigation by DOPL. At what point the professional is notified depends on the individual investigation. Depending on what the evidence shows, one of a few different types of hearings will be called. These are administrative hearings, as DOPL generally functions under the Utah Administrative Procedures Act.

The hearings usually take the shape of a mini-trial. In every instance, the professional will have an opportunity to be heard, and to tell his or her side of the story. Navigating administrative procedures even the “informal” ones can be perilous. And your story and personality can get lost in the shuffle. If you’re facing disciplinary actions from DOPL, please contact a competent Lawyer. Informal Violations Are Resolved In One Of Three Ways: • Administrative Citations: A citation is the imposition of a cease and desist order in response to the unlawful or unprofessional conduct. Examples of citable offenses are practicing without a license, exceeding the scope of a license and hiring someone who is requires to be licensed that is unlicensed. • Stipulated Agreement: A stipulated agreement is a written settlement accepted by all applicable parties with regard to the involved individual’s license. It may also result in the voluntary surrender of an individual’s license. • Informal Adjudicated Proceedings: Is a case that is initiated by notice of agency action and decided or resolved by a file review as opposed to a hearing.

Formal Violations Are Resolved As Follows

• Stipulation Agreements: Same as informal stipulated agreements. • Formal Adjudicative Proceedings: Is a proceeding initiated by a notice of agency action with a Petition and decided or resolved through a formal administrative hearing. This is similar in some ways to a civil court. Each party may present evidence in response to the case. An administrative law judge rules on all evidence, procedures and legal issues. DOPL is represented by an Assistant Attorney General and the involved individual may be represented by personal legal counsel. At the conclusion of the hearing, the Board considers the evidence and makes a recommendation regarding the status of the individual’s license. The recommendation is submitted to the director of DOPL who may accept the entire recommendation or may issue a modified supplemental order. Recent items that have been brought before the Board for consideration are: • Tele-dentistry • Advertising • Anesthetic and Sedation Rules Update • Administration of Botulinum Toxin and Dermal Fillers by dentists.

Pre-litigation Hearings in Medical Malpractice

• In Utah, medical malpractice tort reform began in earnest in 1976. Over the intervening years, the reforms have multiplied. New layers of limitations and procedural complexity have developed, seemingly by accretion. Almost nothing has been discarded. The result is a web of time-consuming requirements that a prospective claimant must successfully negotiate before ever filing a lawsuit. If you represent the petitioner, the goal of this process is to obtain a certificate of compliance. The certificate is a prerequisite to filing a complaint in all cases except those against dentists. • The First Step Petitioner serves a notice of intent to commence litigation on the care providers. Within 60 days, the petitioner must file a request for prelitigation review with the Utah Division of Occupational and Professional Licensing (DOPL) with a copy of the notice attached. • The notice must be served as a complaint or sent by certified mail. Claims against dentists, but not the dentists’ clinic and staff, require only a notice. Dentists are exempt from the prelitigation hearing requirements.

• If the notice is filed less than 90 days before the statute of limitations would expire, the new limitations period is 120 days from the date of service. • Filing the request tolls the statute of limitations until dismissal of the prelitigation proceeding; 60 days from issuance of the panel’s opinion or issuance of a certificate of compliance; or the expiration of time for holding a hearing. • Setting a Hearing After filing the request, DOPL either issues an approval or a denial. If denied, the statute of limitations will no longer be tolled and the time will run until petitioner files a new request for prelitigation review. • Dismissal does not affect the new 120-day time limit if you served the notice within 90 days of expiration of the statute of limitations. The request must be filed with DOPL within 60 days of serving the notice or a new notice and request will need to be served and filed. If the request is approved, respondent files a notice of appearance of counsel within 15 days. The respondent may also request a specific specialty to sit on the panel. • The petitioner will then contact the respondent to establish two mutually-acceptable dates for a prelitigation hearing. Petitioner files a notice of availability for hearing and type of health care provider panelists requested. The dates must be at least 45 days after filing the notice of availability. If you fail to timely file, DOPL can dismiss your request though DOPL may grant an extension on request. • If a notice of availability cannot be agreed to, petitioner files an affidavit of respondent’s failure to reasonably cooperate in scheduling hearing. This must be filed within 180 days of the request and must state that the prelitigation hearing could not be held within 180 days of request. • If DOPL determines that respondent failed to cooperate and that petitioner cooperated, they will issue a certificate of compliance. If DOPL determines that respondent cooperated or that petitioner failed to cooperate, petitioner must file affidavits of merit within 30 days of this determination in order to obtain the certificate. • If the agreed dates are acceptable to DOPL, they will issue a notice of prelitigation hearing and panel composition. Parties have five days to object to the composition of the panel. • If at any time the parties stipulate that the hearing will serve no useful purpose, DOPL will cancel the hearing and issue a certificate of compliance. • If there is a scheduling conflict, the parties have five days after discovery and two days prior to the hearing to file for a continuance. It will only be granted in extraordinary circumstances. If the continuance is granted, the requesting party must establish two mutually-agreeable dates for rescheduling. They must be no later than five days after the order of continuance and the hearing must occur within 180 days of the request. • If the petitioner is the requesting party and a rehearing is not timely filed, DOPL will dismiss the request without prejudice. If the respondent is the requesting party and a rehearing is not timely filed, DOPL will establish a new date that is acceptable to the petitioner and disallow continuances from the respondent. • The Hearing Counsel for petitioner and respondent should arrange to attend the hearing with their clients. Prelitigation hearings are informal and nonbinding. There is no transcript made. There is no cross examination; however, the panel members may ask questions. The hearings are confidential. • Each party will have 15-20 minutes to make a presentation to the hearing panel. Each party may submit evidence by proffer. Attorneys have a wide variety of approaches. Most submit a selection of relevant records and explain their view of the case in the context of the records. They may choose to use medical imaging or diagrams or attach medical literature. Respondent physicians will often explain the care they provided. Some attorneys submit expert affidavits at the hearing. The petitioner may offer a brief rebuttal. • Following the hearing, the panel deliberates and decides whether there was a breach in the standard of care; and whether the breach in the standard of care harmed the petitioner. The panel issues its opinion within 30 days of the hearing. If the answer is affirmative to both questions, the opinion is meritorious and DOPL issues a certificate of compliance. If the answer to either question is negative, the opinion is non-meritorious. If non-meritorious, the petitioner must file affidavits of merit within 60 days of issuance of the panel opinion. Within that time, the petitioner may seek a 60-day extension to file the affidavits by submitting an affidavit for extension. • Affidavits of Merit There must be one from counsel and one or more from appropriate health care provider(s) that address the issue(s) that the panel found to be non-meritorious. • The health care provider affidavit regarding standard of care must be from a care provider with the same licensure as the respondent. If one respondent is a physician, there need be only one physician affidavit as to all respondents if the physician offers an opinion as to each respondent. • If the panel found no breach of the standard of care, the health care provider affidavit(s) must include an opinion that there was a breach and that the breach caused the harm complained of in the notice. • If the panel found a breach in the standard of care but no causation, the affidavit only needs to address causation. • After the affidavits are filed, DOPL issues a certificate of compliance.

Professional License Defense Process

A professional license investigation is generally initiated by Utah Division of Occupational and Professional Licensing (DOPL) after a complaint has been filed. Understanding the professional license defense process can help not only provide a sense of understanding during a difficult period, but also help you avoid pitfalls that may limit your defenses.

How Arrests & Convictions Affect Professional Licenses in Utah

If you’re a licensed professional in Utah like a doctor, teacher, Dentist, Contractor, or real estate broker your livelihood may be in jeopardy for sustaining certain kinds of criminal convictions. Authorities across the state are reviewing court records, running fingerprint checks and investigating complaints. Professionals without clean records face license revocation or suspension. The good news is that professionals have vested interests in their licenses. The board, department or commission that regulates you can’t just take away your license without giving you a chance for a hearing.

Can I Lose My License Because Of A Conviction?

Maybe you caught a few DUI’s or engaged in an out-of-character shoplifting spree. Maybe you did something really stupid involving weapons or narcotics. Maybe you made a mistake and now have things under control. When it comes to professionals and criminal convictions in Utah, however, even if you’ve turned things around, fulfilled your probation terms, gotten your case dismissed, etc., past convictions can continue to haunt you. If you were convicted of a crime that your regulatory board or department considers substantially related to your fitness to do your job, it may be able to revoke or suspend your professional license. In fact, you might be reading this because you’ve already received an accusation notifying you of conviction-related discipline. If you don’t hold a license but have applied for one, you might have received a statement of issues.

Can I Have A Hearing On My Discipline Case?

The hearings are governed by the Administrative Agency Law and the General Rules of Administrative Practice and Procedure. Unlike civil litigation in the courts, there is very little discovery in the administrative law setting. The prosecution will generally supply copies of documents it intends to introduce at the hearing. It is important that the attorney knows which additional documents to request so that he or she can properly defend the case. In certain situations where the prosecutor will not turn over evidence, the attorney must request a prehearing conference with the hearing officer to obtain the documents. Additionally, the hearing examiner has the authority to issue subpoenas to various third parties to either attend the proceedings or produce relevant documents. It is important that the attorney be familiar with the administrative law process to properly defend the professional.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Residential Loan Workout

Mortgage Lawyer

Power Of Attorney For Health Care

Tax Return Preparation

File For Divorce In Utah

Foreclosure Lawyer Tooele Utah

{ "@context": "http://schema.org/", "@type": "Product", "name": "ascentlawfirm", "description": "Ascent Law helps you in divorce, bankruptcy, probate, <a href="https://www.ascentlawfirm.com/utah-business-entity/" >business or criminal cases in Utah, call 801-676-5506 for a free consultation today. We want to help you. ", "brand": { "@type": "Thing", "name": "ascentlawfirm" }, "aggregateRating": { "@type": "AggregateRating", "ratingValue": "4.9", "ratingCount": "118" }, "offers": { "@type": "Offer", "priceCurrency": "USD" } }

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The post DOPL Hearings first appeared on Michael Anderson.

Source: https://www.ascentlawfirm.com/dopl-hearings/

[divorcelawyergunnisonutah]

DOPL Hearings

A professional license represents the culmination of years of perseverance and sacrifice. It carries with it not only the key to your livelihood but a new world of responsibilities. For many professions, these responsibilities are governed and enforced by the Utah Division of Occupational and Professional Licensing (DOPL). DOPL is a Utah state agency tasked with the licensing, investigation, and regulation of roughly 60 different professions within the state. From plumbers and dieticians to funeral directors and midwives, contractors, doctors, DOPL acts as gatekeeper and watchdog in an effort to preserve the legitimacy and integrity of dozens of professions. And these are, without a doubt, valuable functions, both to consumers and to professionals within these fields.

But a DOPL inquiry represents a challenge not only to your competency and judgment but also to your very livelihood. At worst, your professional license could be revoked. But even a suspension or a public reprimand can have serious repercussions for your professional reputation. Once a complaint has been filed with DOPL, it goes through a preliminary review. That review results in one of three findings: I. no violation; II. violation, but beyond DOPL’s jurisdiction or authority; III. or violation within DOPL’s jurisdiction or authority. The first finding is, of course, the best outcome for a professional against whom a complaint has been made. When there is a finding of no violation, the file is closed and no public reporting of the matter occurs. The second finding generally does not end the matter. DOPL may pass the matter along to the appropriate authority to investigate, or DOPL may issue a letter of concern regarding the matter to the professional involved. A letter of concern will bring the issue to the professional’s attention, and it will give the professional a chance to respond. A letter of concern is not public, and it is not a disciplinary action. However, a letter of concern on file with DOPL may have an effect on DOPL’s determination on any future complaint. The third finding will trigger a more in-depth investigation by DOPL. At what point the professional is notified depends on the individual investigation. Depending on what the evidence shows, one of a few different types of hearings will be called. These are administrative hearings, as DOPL generally functions under the Utah Administrative Procedures Act.

The hearings usually take the shape of a mini-trial. In every instance, the professional will have an opportunity to be heard, and to tell his or her side of the story. Navigating administrative procedures even the “informal” ones can be perilous. And your story and personality can get lost in the shuffle. If you’re facing disciplinary actions from DOPL, please contact a competent Lawyer. Informal Violations Are Resolved In One Of Three Ways: • Administrative Citations: A citation is the imposition of a cease and desist order in response to the unlawful or unprofessional conduct. Examples of citable offenses are practicing without a license, exceeding the scope of a license and hiring someone who is requires to be licensed that is unlicensed. • Stipulated Agreement: A stipulated agreement is a written settlement accepted by all applicable parties with regard to the involved individual’s license. It may also result in the voluntary surrender of an individual’s license. • Informal Adjudicated Proceedings: Is a case that is initiated by notice of agency action and decided or resolved by a file review as opposed to a hearing.

Formal Violations Are Resolved As Follows

• Stipulation Agreements: Same as informal stipulated agreements. • Formal Adjudicative Proceedings: Is a proceeding initiated by a notice of agency action with a Petition and decided or resolved through a formal administrative hearing. This is similar in some ways to a civil court. Each party may present evidence in response to the case. An administrative law judge rules on all evidence, procedures and legal issues. DOPL is represented by an Assistant Attorney General and the involved individual may be represented by personal legal counsel. At the conclusion of the hearing, the Board considers the evidence and makes a recommendation regarding the status of the individual’s license. The recommendation is submitted to the director of DOPL who may accept the entire recommendation or may issue a modified supplemental order. Recent items that have been brought before the Board for consideration are: • Tele-dentistry • Advertising • Anesthetic and Sedation Rules Update • Administration of Botulinum Toxin and Dermal Fillers by dentists.

Pre-litigation Hearings in Medical Malpractice

• In Utah, medical malpractice tort reform began in earnest in 1976. Over the intervening years, the reforms have multiplied. New layers of limitations and procedural complexity have developed, seemingly by accretion. Almost nothing has been discarded. The result is a web of time-consuming requirements that a prospective claimant must successfully negotiate before ever filing a lawsuit. If you represent the petitioner, the goal of this process is to obtain a certificate of compliance. The certificate is a prerequisite to filing a complaint in all cases except those against dentists. • The First Step Petitioner serves a notice of intent to commence litigation on the care providers. Within 60 days, the petitioner must file a request for prelitigation review with the Utah Division of Occupational and Professional Licensing (DOPL) with a copy of the notice attached. • The notice must be served as a complaint or sent by certified mail. Claims against dentists, but not the dentists’ clinic and staff, require only a notice. Dentists are exempt from the prelitigation hearing requirements.

• If the notice is filed less than 90 days before the statute of limitations would expire, the new limitations period is 120 days from the date of service. • Filing the request tolls the statute of limitations until dismissal of the prelitigation proceeding; 60 days from issuance of the panel’s opinion or issuance of a certificate of compliance; or the expiration of time for holding a hearing. • Setting a Hearing After filing the request, DOPL either issues an approval or a denial. If denied, the statute of limitations will no longer be tolled and the time will run until petitioner files a new request for prelitigation review. • Dismissal does not affect the new 120-day time limit if you served the notice within 90 days of expiration of the statute of limitations. The request must be filed with DOPL within 60 days of serving the notice or a new notice and request will need to be served and filed. If the request is approved, respondent files a notice of appearance of counsel within 15 days. The respondent may also request a specific specialty to sit on the panel. • The petitioner will then contact the respondent to establish two mutually-acceptable dates for a prelitigation hearing. Petitioner files a notice of availability for hearing and type of health care provider panelists requested. The dates must be at least 45 days after filing the notice of availability. If you fail to timely file, DOPL can dismiss your request though DOPL may grant an extension on request. • If a notice of availability cannot be agreed to, petitioner files an affidavit of respondent’s failure to reasonably cooperate in scheduling hearing. This must be filed within 180 days of the request and must state that the prelitigation hearing could not be held within 180 days of request. • If DOPL determines that respondent failed to cooperate and that petitioner cooperated, they will issue a certificate of compliance. If DOPL determines that respondent cooperated or that petitioner failed to cooperate, petitioner must file affidavits of merit within 30 days of this determination in order to obtain the certificate. • If the agreed dates are acceptable to DOPL, they will issue a notice of prelitigation hearing and panel composition. Parties have five days to object to the composition of the panel. • If at any time the parties stipulate that the hearing will serve no useful purpose, DOPL will cancel the hearing and issue a certificate of compliance. • If there is a scheduling conflict, the parties have five days after discovery and two days prior to the hearing to file for a continuance. It will only be granted in extraordinary circumstances. If the continuance is granted, the requesting party must establish two mutually-agreeable dates for rescheduling. They must be no later than five days after the order of continuance and the hearing must occur within 180 days of the request. • If the petitioner is the requesting party and a rehearing is not timely filed, DOPL will dismiss the request without prejudice. If the respondent is the requesting party and a rehearing is not timely filed, DOPL will establish a new date that is acceptable to the petitioner and disallow continuances from the respondent. • The Hearing Counsel for petitioner and respondent should arrange to attend the hearing with their clients. Prelitigation hearings are informal and nonbinding. There is no transcript made. There is no cross examination; however, the panel members may ask questions. The hearings are confidential. • Each party will have 15-20 minutes to make a presentation to the hearing panel. Each party may submit evidence by proffer. Attorneys have a wide variety of approaches. Most submit a selection of relevant records and explain their view of the case in the context of the records. They may choose to use medical imaging or diagrams or attach medical literature. Respondent physicians will often explain the care they provided. Some attorneys submit expert affidavits at the hearing. The petitioner may offer a brief rebuttal. • Following the hearing, the panel deliberates and decides whether there was a breach in the standard of care; and whether the breach in the standard of care harmed the petitioner. The panel issues its opinion within 30 days of the hearing. If the answer is affirmative to both questions, the opinion is meritorious and DOPL issues a certificate of compliance. If the answer to either question is negative, the opinion is non-meritorious. If non-meritorious, the petitioner must file affidavits of merit within 60 days of issuance of the panel opinion. Within that time, the petitioner may seek a 60-day extension to file the affidavits by submitting an affidavit for extension. • Affidavits of Merit There must be one from counsel and one or more from appropriate health care provider(s) that address the issue(s) that the panel found to be non-meritorious. • The health care provider affidavit regarding standard of care must be from a care provider with the same licensure as the respondent. If one respondent is a physician, there need be only one physician affidavit as to all respondents if the physician offers an opinion as to each respondent. • If the panel found no breach of the standard of care, the health care provider affidavit(s) must include an opinion that there was a breach and that the breach caused the harm complained of in the notice. • If the panel found a breach in the standard of care but no causation, the affidavit only needs to address causation. • After the affidavits are filed, DOPL issues a certificate of compliance.

Professional License Defense Process

A professional license investigation is generally initiated by Utah Division of Occupational and Professional Licensing (DOPL) after a complaint has been filed. Understanding the professional license defense process can help not only provide a sense of understanding during a difficult period, but also help you avoid pitfalls that may limit your defenses.

How Arrests & Convictions Affect Professional Licenses in Utah

If you’re a licensed professional in Utah like a doctor, teacher, Dentist, Contractor, or real estate broker your livelihood may be in jeopardy for sustaining certain kinds of criminal convictions. Authorities across the state are reviewing court records, running fingerprint checks and investigating complaints. Professionals without clean records face license revocation or suspension. The good news is that professionals have vested interests in their licenses. The board, department or commission that regulates you can’t just take away your license without giving you a chance for a hearing.

Can I Lose My License Because Of A Conviction?

Maybe you caught a few DUI’s or engaged in an out-of-character shoplifting spree. Maybe you did something really stupid involving weapons or narcotics. Maybe you made a mistake and now have things under control. When it comes to professionals and criminal convictions in Utah, however, even if you’ve turned things around, fulfilled your probation terms, gotten your case dismissed, etc., past convictions can continue to haunt you. If you were convicted of a crime that your regulatory board or department considers substantially related to your fitness to do your job, it may be able to revoke or suspend your professional license. In fact, you might be reading this because you’ve already received an accusation notifying you of conviction-related discipline. If you don’t hold a license but have applied for one, you might have received a statement of issues.

Can I Have A Hearing On My Discipline Case?

The hearings are governed by the Administrative Agency Law and the General Rules of Administrative Practice and Procedure. Unlike civil litigation in the courts, there is very little discovery in the administrative law setting. The prosecution will generally supply copies of documents it intends to introduce at the hearing. It is important that the attorney knows which additional documents to request so that he or she can properly defend the case. In certain situations where the prosecutor will not turn over evidence, the attorney must request a prehearing conference with the hearing officer to obtain the documents. Additionally, the hearing examiner has the authority to issue subpoenas to various third parties to either attend the proceedings or produce relevant documents. It is important that the attorney be familiar with the administrative law process to properly defend the professional.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

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[hetbigbang]

2017 FAQ's & Schedule

2017 FAQs Welcome to another year of Het Big Bang!! It’s a challenge for writers and artists to step up from any fandom, for any het pairing you want!

New this year: if you'd like to see works or information from any past Bangs, check this Masterpost. Our "menu of links" has changed a little bit, cleaned up to reflect only what's currently useful. New banners are up here. We've also added a "Page-A-Mod" page. If you have queries, emergencies, whatever, go ahead and drop us a line and one of the mods will get back to you ASAP.

Reminder: the support community has been emptied. Since it is members-only for those involved in the Bang, you will need to rejoin once you have signed up. (Please note: links to sign-up posts are not active yet, but will be fixed once the challenge goes live on May 1st.) GENERAL INFORMATION

What is a Big Bang? There are actually two portions of this Bang Challenge. The Big Bang and the Little Bang. There are many different types of big bangs, all varying slightly, but generally, it's a process in which authors write long fics (25,000 words or longer for the BIG bang portion, or 10,000 words for the LITTLE big bang version) and artists make art for the pieces of work that exceed 25k. Then, on one singular shining day, we reveal all completed stories and artworks so that everybody goes blind from the overwhelming awesomeness. Simple in concept, right? This bang challenge is centered around heterosexual (male/female) pairings from any fandom you can name. Everything preliminary for this bang challenge is hosted in this livejournal comm, but on the reveal date, all contributions (art, stories, vids, fanmixes, etc.) will be hosted on AO3. Any het pairing, any fandom. Why AO3? A poll was taken in this community several years ago, and overwhelming numbers (90%) were comfortable with AO3. If you want to participate in this challenge, you have to sign up at AO3. We're sorry if you don't like this. Mainly, we will be hosting the final stories on AO3 because: 1. It'll allow you guys to format your own fics and edit after the big bang goes live. 2. By using a Collection, I can ensure no one releases their fics early, and it goes up simultaneously. 3. If we post fics on LJ, it'll require multiple posts per fics, and organizing that for a single-moment reveal will be a headache. (Trust us on that.) and 4. Your mods don’t want to repeat the horrible experience they had in prior years with creating a website (again, trust us). Therefore, AO3 will be neat and simple.

There will be plenty of time for those that do not have accounts on AO3 to sign up. You can ask a friend for an invite code, or you can request from A03 here or at ao3_invitecodes. We have started a for 2017 Collection [LINK COMING SOON] Het Big Bang over at Archive of Our Own that is identical to the 2016, 2015, 2013 and the 2012 Collections. A collection is a group of works collected together under one heading: here, for all Het Big Bang submissions. Only the author of the work can add his/her story into this collection; so, you gotta upload your fic onto AO3, and then add it into this collection. Here is the FAQ of AO3. Since this is a moderated collection, each work has to be approved by the Het Big Bang mods before it appears in the collection. Do not post your work anywhere else before the deadline! Do not publish your fic before the deadline! After the deadline, post it anywhere you want. Why is there no art for the Little Bang portion? Because it’s the option for those writers within our ranks that want to participate in this challenge, without being held accountable to an artist to finish their work. It is the low-key, no mutual obligation option. What kind of timeline will I be under? Author Sign Ups - open till May 17th, 12:00 PM (NOON) PST Mandatory Author Checkpoint - July 15th Artist Claiming of Big Bang Stories - July 20th Art and Fics Due - August 27th, 11:59 PM (Midnight) PST (here is a timezone converter) Debut Date (DD) - August 31st Why the delay between Arts/Fic submission and the Debut Date? Because in the past, we've had a some delays with artwork and some of the stories submitted were not properly formatted. Therefore, we need time to find pinch hit artists and let authors know thie fics need fixing. It is very, very important that if you sign up as an artist and claim a story, you submit on time because otherwise the entire big bang may be delayed. Can I join this comm? Absolutely! Feel free to join and watch the comm even if you aren't signing up. If you ARE signing up, you need to join the comm ASAP. Some important reminders and post will be members locked. Is there a support comm for this Big Bang? Yep! There is a sister comm where participants can go for help and flailing. het_banghelp: a community for all your support needs. This is the place for all your hand-holding, sharing of fics snippets, and flailing. Like prior years, special writing and enabling events will be hosted on that comm, like Snippet Days and Block Writing Events. Use it however you deem necessary, as long as it's het_bigbang related - post away!! It's members-only and f-locked to only those that have officially signed up as authors/artists and betas/cheerleaders, so remember to add yourself as soon as you sign up. (Please note, we have gone through the entire member's list for our support comm, and emptied out all of last year’s participants. As soon as you sign up for 2017, you can request to join membership again.) How do I sign up? SIGN UPS OPEN MAY 1ST. An AUTHOR, go here. If you an ARTIST, please go here. If you are offering to BETA READ, go here. If you would like to be a CHEERLEADER, go here. Other Comm Volunteers and their duties are listed below, and can sign up by dropping a note to this post. Please read this post before signing up! I signed up last year, and then dropped out. Can I still sign up again? Yes!! Best way to contact a mod? Your mods are going to be inundated with hundreds of comments from a dozen different posts, so the best way to make sure we actually see your question/comment/concern is to (a.) pm your mods, red_b_rackham or traycer_; (b.) email the mods at thehetbigbang@gmail.com; (c.) drop a note on this FAQ post or (d.) comment on THIS "Page A Mo

WRITER'S REQUIREMENTS AND INFO What type of requirements are there for a writer? There are two portions of the Bang Challenge for Writers! The Big Bang and the Little Bang. The Big Bang: Your fic must be completed and at least 25,000 words long. Writers accomplishing this goal will get an artist assigned to them by the comm, and they will receive artwork for their story! You are also welcome to find your own artist. The Little Bang challenge is ditto to the above, but only at least 10,000 words long. There will be no assigned artists for these stories. (Authors can go out and find themselves an artist, if they want, but they MUST inform the mods that they have made these arrangements. Just so we can approve them for the collection submissions, when the time comes.) All stories must focus on or revolve around a het pairing of your choosing, and mandatorily beta-read before the posting date. At the time of signing up for this, you need to know the following: a) what you think you'll be writing (fandom/pairing, prompt -- and yeah, you can change your mind later all the way until the Mandatory Author Check-point in July!); b) whether you are participating in the Big Bang challenge or the Little Bang challenge (and yes, you can change your mind later on, all the way up to the Mandatory Author Check-point in July.) c) whether you already have an AO3 account, and if not, that you will be willing to acquire one before the submission deadline; d) give us your e-mail address; and e) then go to join het_bigbang AND friend the community. You *must* join and friend for updates; it's a requirement to participate in this challenge. Define a qualified het pairing, please! Any het pairing, any fandom. Crossovers and/or fusions, genderbender het, and RPF (Real Person Fic) are all allowed. There may be more than one het pairing in the fic. There may be other secondary slash or femslash pairings within the fic, as long as a het pairing is the primary focus. Slash, threesomes or moresomes should NOT be your focus. But what if our fic is, like, more gen but with a hint of ship? Um, that probably doesn't qualify. We want a het pairing as a primary focus. We are not going to psychoanalyze how "shippy" the fic you're writing is, but please use your best judgment. After much debate, it's been decided that Original Works based on your creations are allowed. All standard rules/procedures apply. Can I sign up more than once as an author? I've got so many plotbunnies! Yes, you can sign up as an author twice! Both times for the Big Bang, or both times for the Little Bang, or in both the Little Bang and the Big Bang! Your choice. However, it must be for stories centered around different pairings. (Same fandom is fine.) Don't sign up twice for the same pairing. You must sign up twice in the Author's sign up post with separate comments, so we are crystal clear that you are participating twice! I don't know what to write! I've got so many ideas! We're here to help! While you can change your plotbunny at any time, we're also offering you this post [LINK COMING SOON] to help figure things out. You provide descriptions of up to five of your plotbunnies, and we put up a poll here to see what people are interested in. No obligation to go with the winner, but it might help you choose! I've already been writing a het pairing story already. Can I use that? Was it written for last year’s Het Big Bang/Little Bang and just never completed? If so, sure! If not…. then for the Little Bang, you gotta start fresh. Sorry. However, either way, for the Big Bang you are allowed to use a WIP in this big bang if it's less than 10k written. Ideally, your story should not have appeared anywhere on the net already, and if it hasn't been posted anywhere, you only have to reach the goal of 25k total. However, if you do already have a couple thousand words of it up somewhere public (at max, 10k), then we won't count that towards your total 25k requirement, and you must immediately take it off the internet completely for the duration of the challenge. Can I write with someone else? Yes, you may co-author your big bang if you want to. Do I really have to have my fic be beta-read? Yes. Dear God, yes. A beta reader is a person who reads another person's written work with a critical eye, with the aim of improving grammar, spelling, characterization, and general style of a story before the author posts it up. All participants must get their fiction beta’d by at least one person. Betareading is love, people! There is a post just for volunteers who are willing to beta read at this post [LINK COMING SOON]. What happens if I can't write that much by the posting deadline? First, relax and don't panic! You've got until August for finishing this baby off! For writers, this is not a reciprocal challenge, so we're not going to go chasing after you with a big giant stick if you drop out. It's hard to write this much fic on a deadline! We understand! Don't stress yourself; fandom is meant to be fun. Usually in these things, at least half of the writers drop out. That's expected. But please, please, please - if you need to drop out of this challenge, drop your mod a quick note. Another note: If you fall short of the word count, don't panic. Do not sign up with the *intent* of writing anything short of a minimum word count, but if you fall a little short, just contact your mod and we'll try to work something out if we can. Wait, what is this I see about a Mandatory check-in later on? What's that about? The mandatory check-in for authors is scheduled on July 15th. All authors must participate, or they will be kicked out of the challenge. Authors must firmly declare whether they are in the Little Bang or the Big Bang. If they are in the Little Bang, they complete a comm poll and identify their fic’s fandom/pairing(s). (No changing your selections after this point!) If they are in the Big Bang Challenge, they complete a comm poll, identify their fic's fandom/pairing(s), and they will submit three small snippets (up to 500 words each) of their work to the Mods. The Mods will then put up a new post with all the fics' information (no author info attached) where artists will claim which stories they'd like to do art for. (No changing your selections after this point!) What if I am determined to be in the Big Bang portion at the time of the Mandatory Check-in, but then fall short of 25k? Can I still submit my story for the Little Bang portion? Keep in mind that your story will have already been assigned to an Artist after the Mandatory Check-in. You have committed yourself to a 25k fic at that point, just like your Artist has committed themselves to you. If you fall a little short in your story, we can be forgiving. But if you flagrantly ignore the 25k word count, that will be a problem. Talk to us about it, but just – don’t do this? Okay? Please? It’ll be insult to your artist and all the other participants in this challenge. Can I have contact with my artist? We will provide you with contact information once an artist is committed to you. From there, you absolutely can contact them to find out more about their interests. We would like to encourage you to be in contact with them and to share and collaborate, but ONLY in fun. The artist is under no obligation to work directly with you. Ultimately, what they create for your fic is their creation, just like how they cannot dictate what you write for your fanfiction. But we all want everyone to be happy with what they get and what they create, so I hope this remains a happy, fun, friendly experience. What if I hate my artist and/or dislike the artwork that is done for my fanfiction? The politest way I can honestly word this is: get over yourself. The artist is trying their best, I'm sure, to produce a good piece of work for you. Give thanks, and be on your merry way. Not everybody is a master but this Bang is intended to be postive and fun. Find something nice to say and move along!

ARTIST'S REQUIREMENTS AND INFO

How do I know what I'm making art for? After the writers have their mandatory check-in on July 15th, we'll make a claims post listing fandoms and pairings. In this post, we'll also include the story summary and any warnings the author gives. You can choose which fic you'd like to create art for, and then that person's fic will get crossed off the list. Author's names will not be attached to their fanfics on this post; the artist's claims will be done blind that way. This is done to even the playing field, so that an artist may claim a fanfic based on the summary/pairing/fandom, rather than the popularity of the writer. (Though by no means is the author prohibited at any point from telling people which fandom/pairing/story is theirs. We imagine that in any case, we'll be able to have a great number of educated guesses for authors based on the pairing/fandom alone. That's fine. We're just trying to make the artists' claims post less about favoring popular authors, and more about showcasing the merits of the story.) What are the requirements for art? You can make whatever kind of art you feel like, in whichever medium. Drawing, painting, digital, manips, vids, fanmix, anything you can think of. We just ask that you put some time and genuine effort into it, as our authors have put major effort into their story. You are required to make a minimum of ONE piece of art for the story you claim. MORE IS BETTER. We love more! We want more! But, based on feedback from prior year’s artists, we only have a requirement of one piece of artwork. Make it nice, put some serious effort into it! :) How do I sign up and/or claim an artwork? You can sign up to be an artist now, but claims will happen much later, on July 20th, after writers have had their mandatory check in. Claims are done on a first come, first serve basis. We will be putting up a members-locked post and the artists will reply to it with the story they claim to do art for (so make sure you are a member of the community!). Sign ups for artists will remain open until all fanfics get claimed! What if I sign up as an artist but there's no fandoms I can art for by the time claims go up? That's okay - sometimes it happens. Signing up as an artist does not commit you in stone, so it's okay if there's absolutely nothing you can art for. We hope you can maybe stretch outside your "known" fandoms and help an author out, but we understand it's not always possible. Just spread the word to all your artist friends and help recruit other artists to come make claims!! What happens if the number of authors doesn't match up with the number of artists or mixers? We will do several rounds of claiming so that EVERY fic has an artist. In the event that fics outnumber artists, we will allow artists to make a second or even third claim. Can I have contact with my author? We will provide you with contact information once you have committed to an author. From there, you can contact them to find out more about their interests. We would like to encourage you to be in contact with them and to share and collaborate, but ONLY in fun. You are under no obligation to work directly with the author. Ultimately, what you create for your artwork is your creation, just like how you cannot dictate what the author writes for their fanfiction. But we all want everyone to be happy with what they get and what they create, so we hope this remains a happy, fun, friendly experience. Also, if your writer does not complete his/her story by the due date, but you've completed your artwork, go ahead and submit it! It will still be showcased on AO3 anyway. You deserve recognition for your hard work! :) What if I cannot create the fanart by the deadline? Think very, very hard before claiming a story! This part is kinda set in stone. There is a person who is expecting some fanart for their work, and we'll have to hunt down a back-up artist to take your place if you end up dropping out. If you can't create the fanworks, tell us as soon as humanly possible. Everything will go live at once, on August 31st. Finding artists is hard enough with a decent timeline, but finding backups are a nightmare, so for this reason, if an artist drops out at the last second (within the last 10 days of the deadline), then they may be banned from participating in future bang challenges here.

TIMELINE What kind of timeline will I be under? Author Sign Ups - open till May 17th, 12:00 PM (NOON) PST Mandatory Author Checkpoint - July 15th Artist Claiming of Big Bang Stories - July 20th Art and Fics Due - August 27th, 11:59 PM (Midnight) PST (here is a timezone converter) Debut Date (DD) - August 31st What's the Author’s mandatory checkpoint? This one is mandatory check-in for authors. Authors firmly declare whether they are Big Bang or Little Bang participants. If you’re going for a Big Bang, you get assigned an artist. (More info above in the Writer’s Requirement section.) Will artists get checkpoints? We will be making sure everyone's on the right track and are able to finish their art before the deadline, but these checkpoints will be less formal, as there is no word count for a piece of art. Are there going to be any extensions? No. Extensions for final fic and art submissions will not be granted. We totally understand RL circumstances happen, we really do. But unfortunately, we have deadlines in place for a reason and extensions are unfair to everyone who completed them on time (also the mods just about melted down one year in the final days of the Bang due to trying to accomodate many people and we simply cannot do it that way again XD). We will not accept submissions beyond August 27th (the submission deadline).

POSTING REQUIREMENTS Where do we post our completed fics? We are using AO3 collections, with the reveal date of August 31st. You can post your fics anywhere else you like after that date, just don’t post them up anywhere before the Debut Date. Again, there is plenty of time for those that do not have accounts on AO3 to sign up. You can ask a friend for an invite code, or you can request from A03 here or at ao3_invitecodes. If you are unfamiliar with it, here is the FAQ of AO3. Submit your fic and art to our 2016 collection. Only the author of a work can add it to a collection, and then the mods approve it and we’ll reveal it on the Debut Date. Because we have experienced some glitches with AO3 collections in the past, we are also asking you to drop an email to thehetbigbang (at) gmail.com when you submit your work to AO3, with the following information: Email Subject Line: (Fic or Art Submission. YOUR NAME.)

AO3 Name/LJ Name: (both) Fandom: Pairing: Artwork or Fic: (artwork for "Title of Fic, by Author") or (Fic: "Title, rating, and word count. Big Bang or Little Bang.") Summary: (if applicable.)

Further Posting guidelines below. 1. Sign up for A03. You can check ask a friend for an invite code, or you can request from A03 here or at ao3_invitecodes 2. DO NOT POST YOUR FICS/ARTS SO THAT THE GENERAL PUBLIC CAN SEE THEM. Double check after posting to make sure it doesn't get posted to the general audience. If it does, delete the work and start over. Instead, you need to allow the mods to collect your fic/arts so that we can reveal everything together on August 31st. Go here, to the 2016 Het Big Bang Collection, and go the "Post to Collection" button in the top right corner. The collection is currently open, moderated and unrevealed. This will bring you to the normal template where you submit your fic/artwork. In the first block, you fill out all the tags: fandom, warnings, ratings, characters, pairings, additional tags, etc. In the second block, you fill out the preface information, including title, summary, and author's notes. 2a. For Artist: your summary line should include your author's name and the title of their story (if you know it). 3. In the third block, for "Associations," make sure the line for "Post to Collections/Challenges" lists "Het_Big_Little_Bang_2016." 3A. For Artists: the next line, "Gift this work to:" should be filled out as well. Artist, you know your Author's A03 name, which should have been provided to you through your emails. If for some reason it was not, please contact your authors and get this name from them. Fill in the "Gift this work to:" line with your author's name. That will link your artwork to them. After the submissions have gone live on the Debut Date, we would like you to go back and edit your submission to add in a link to the specific story you created your artwork for. But until the entire big bang goes public, the main way you'll attach your artwork to the piece will be by identifying the author through gifting. When you finally get the chance to link to the story, edit your submission and use the HTLM coding: <*a href="INSERT THE URL HERE">Title, by Author. (Remove the *) You can put this in your author's note or summary. 3b. For Authors: After the submissions have gone live on the Debut Date, we would need you to go back and edit your submission to add in a link to the specific artwork that was created for your story. You don't have to "Gift this work to:" to the artist, but it would be neat if you wanted to do so. When you finally get the chance to link to the artwork, edit your submission and use the HTLM coding: <*a href="INSERT THE URL HERE">Title, by Artist. (Remove the *) You can put this in your author's note or summary. 4. Formatting and coding guidelines are important. 4a. For Artists: AO3 video embeds are working from Youtube, Vimeo, blip.tv, Dailymotion, Viddler, Metacafe and 4shared. So if you have a video, you upload it to Youtube for example, and then embed into an AO3 post. For images like artwork and icons and banners and cover art, use the <*img src="INSERT YOUR URL HERE"> HTML coding (remove the *). You can first upload your images at Tinypic or photobucket or a similar image hosting website, and then make an A03 post with the HTML coding. 5. Submit your fic/artwork. You need to make sure when you hit "Post" that you see this text at the top of the resulting page:

"This work is part of an ongoing challenge and will be revealed soon! You can find details here: Het Big/Little Bang Challenge 2016"

6. Now, your fic should NOT be displayed to the general audience. It might not even show up on your dash, but fear not. You can still edit, add new chapters, mess around with it to your heart's content. We, the mods, unfortunately do not have access to your story. We cannot tell if it is properly formatted or not. THIS IS FRUSTRATING, but there's nothing we can do about it. We can only see your name. All works are titled "Mystery Works" until we reveal the entire big bang. So, please make sure your own fic is properly formatted. If you need to edit your fic, login and go to your dashboard. Go to the "Edit Works" button in the top right corner. From there, you can edit your works.

A03 will require you to format a header with all regular information on it. Remember to properly tag your works, including appropriate warnings.

Both HTML and Rich Text are supported, and you can edit/delete, have multiple chapters, etc… 1. The Rich Text Editor lets you add formatting, links and pictures to text without using HTML tags. It also has an option for pasting from Word which will preserve some of your Word formatting, although please note that this is buggy. The Rich Text Editor is only available for your work text. 2. The HTML editor allows you to change the look of your text with HTML tags. It can be used in any place you can submit text, although some fields permit only a small subsection of allowed tags. You can see a full list of the allowed HTML on the Archive FAQ, but the standard HTML tags is as follows: b, big, blockquote, br, caption, center, datetime, div, dl, dt, em, h1, h2, h3, h4, h5, h6, height, hr, href, i, img, ins, small, span, src, strike, strong, sub, sup, table, u, and more. Also, a few years ago, anr was a saint and provided you with a post that explained "how to format a fic for posting in less than 30 seconds no matter the story length or amount of formatting" trick. The mods won’t be overly picky about formatting. We'd prefer for all dividers and scene breaks to use <*hr> (remove the *) which creates a horizontal line that serves perfectly as a scene break. However, that’s optional. You choose your own way to format! Other optional suggestions, just for uniformity sake: How do I do Chapter Titles: Bold 'em. How do I timestamp and do locations: Italizice the dates and locations. How do I do subtitle stuff: Italicize it. There is only one major fail regarding format, and that has to do with paragraphs breaks. There must be a full line break between paragraphs. Example of doing it wrong:

Chapter One: The Invasion March 6, 2005 - The City of Atlantis Elizabeth ducked quickly behind a console and attempted to catch her breath. A flush of pink colored her cheeks and a thin sheen of sweat had appeared on her brow. If the situation weren't so dire, John would have been turned on. As it was, however, he couldn't give it much thought as he had to focus on the batch of Ancient zombies that were slowly staggering in through the Stargate. "At least they can't run," he offered lamely. Elizabeth spared him a glare. "Why can't they run?" "I don't know." John shrugged. "But they never seem to run. They always lurch. Maybe when they're brought back to life they don't get knees?"

Example of doing it right:

Chapter Two: Ancient Ex-Girlfriends Yes, They're Zombies Too Elizabeth peeked around the consol. "Oh, my god," she breathed. "Is that--" "Chaya?!" John squeaked. "Talk about creepy ex-girlfriends." Rodney scrunched his nose. "She doesn't look good in green." John cringed and crouched down lower. "Do you think she's their leader?" Elizabeth looked thoughtful. "Well, this may be better for us." She narrowed her eyes at John. "We can give them you in trade for a cease fire--" Something caught her attention behind John and she broke off. "No, wait. Look to the left! That's... oh, god, John. That's Teer!" John and Rodney stared in disbelief. "Damn you, Kirk!" Rodney groused, and hit John upside the head. "We're going to be killed by a legion of your dead ex-girlfriends!" "Okay, everybody calm down," John soothed. "Let's not overreact and go blaming--" "Hey, look, your ex-wife!" "What?!!"

Grammar and Spelling fail: If your fic doesn't look beta'ed, we will call you on it, which will create an AWKWARD situation for all of us. Having a beta is a REQUIREMENT. Grammar, spelling, proper paragraph structure, etc… these are all REQUIREMENTS. You need to give your beta ample opportunity to go over your fic for mistakes and edits, so remember to factor that into your deadline. Don't have a beta? Check out this post! Can I post it to my journal a few days early to show my friends? No. The first time you show your fic for this big bang must be on Debut Day (August 31st), on this comm. Mods will handle the revealing details. There will be more posts on that to come. Once the Big Bang collection goes live, feel free to post your stuff wherever.

PARTICIPATION FOR NON-WRITERS AND NON-ARTISTS Beta readers - Please comment here and state the following: what pairing(s)/fandom(s) you like, what your strengths are as a beta reader, and what kind of turn around someone can probably expect from you. Also, leave an e-mail address that will be good for the next few months. *g* Most people will already have their own beta reader, but hey, maybe they want to try someone new. Cheering - Please comment here. Sometimes people just need someone to read through their story and maybe help brainstorm a bit, give them a push or some encouragement. If this is something you'd like to do and can make yourself available for, let me know! Advertising this Big Bang - Go here. We need people to volunteer to pimp this Big Bang around on appropriate comms! SPREAD THE WORD. Tell different fandoms, tell flisters, go on Tumblr, twitter, dreamwidth, and other websites, SPREAD THE GLORIOUSNESS!

ADDITIONAL INSPIRATIONAL CRAZY STUFF You can find a bunch of banners and linkback buttons and icons HERE and HERE and HERE! Don’t hesitate to take advantage of our polling options if you're wavering on what to write. There will be community writing events and informal check-ins scheduled throughout the challenge. Stay tuned for timings/dates - be sure to friend the comm and watch for notifcations! We will continue the Random Stories/Artworks of the Day, where after the Debut Date, we’ll post about one to two random stories and their artworks every day, until we run through the entire selection. And last, regarding options to download fic or doing some type of customized e-reader. AO3 has a download option. Lucky us!! Any questions, let us know!! Now, sign up, already! ~ Standard disclaimer: All publicly recognizable characters and settings are the property of their public respective owners. No money is being made from this project. No copyright infringement is intended. Plagiarism will not be tolerated in any way, shape or form. from Het Big Bang http://ift.tt/2oLa7Jp via IFTTT

[topicprinter]

This is a summary that was sent to me and not my own. This helped me a ton and wanted to share it with you.3/23/2020 UpdateIn response to the economic and public health impact of the COVID-19 pandemic the US government has been working to pass a fiscal stimulus package with several key features designed to support small businesses (the CARES Act). This bill is still working its way through the Senate and is subject to change; however, regardless of tweaking changes the key resources provided to small businesses will consist of7(a) loans, 7(a) express loans, andeconomic injurydisaster loans (“EIDL”).Global Notes· The small business support programs listed below are mutually exclusive, a business cannot receive both an EIDL and a 7(a) loan. A company must pick a path and stick with it to receive aid.7(a) LoansWhat is this?· 7(a) loans are a form of financing for small businesses. The 7(a) loan program is overseen by the SBA and provides government guarantees for small business loans that are originated and held by approved 7(a) lenders (most insured depository institutions are 7(a) lenders). As part of the CARE Act, the 7(a) loan program is being expanded and modified. · The government will use the existing SBA 7(a) lending infrastructure to distribute loans to small US businesses (<500 employees, or otherwise meet the SBA’s size requirements) that operate in states or territories that have at least one confirmed case of COVID-19. Key features of these loans include: o Size:2.5x TTM payroll costs; up to a maximum of $10MM o Guarantee: for borrowers, there are no collateral or personal guarantee requirements; for lenders, the loans are 100% guaranteed by the US government o Interest Rate: low o Loan Forgiveness: SBA shall issue loan forgiveness rules within 30 days of enactment. Current guidance is as follows: (i) loan proceeds used for eligible purposes within 8 weeks of loan origination are eligible for forgiveness (current eligible purposes are payroll, employee benefits and operating costs including rent/mortgage payments/utilities/interest on existing debt); (ii) if borrower reduces payroll or number of employees during the covered period, the loan amount available for forgiveness is reduced (exceptions for tipped workers and re-hires);(iii) borrowers shall file for forgiveness directly with their lender and no loan forgiveness will be granted without documentation; and (iv) cancelled indebtedness is not taxable to the borrower as gross income o Fee: no fees can be charged by the lender related to these loans o Tenor: any unforgiven loan balance will have a maturity of not more than 10 yearsWho do I talk to?· Loans will be provided by all existing 7(a) lenders as well as a variety of new entities which extend beyond insured depository institutions. Current guidance says new 7(a) lenders will include: (i) institutions of the Farm Credit System; and (ii) “other lenders that do not already participate in SBA lending programs” (this provision permits the federal government to expand the pool of potential lenders that are deemed fiscally safe and sound to include BDCs, SBICs and RBICs). · It is recommended that applying with an existing 7(a) lender, rather than a new 7(a) lender, will result in faster processing times. · Large banks that offer 7(a) loans include: CIBC; KeyBank; TD Bank; BBVA; Bank of America; Capital One, Citizens Bank; PNC Bank; Wells Fargo; and Truist Bank. Note that this is only a subset of the available 7(a) lenders and most depository institutions will be participating in the program. It is recommended you check with your current lenders to see if you can leverage your existing relationships to accelerate the loan application/approval process.What do I need to prepare to apply?· While the bill that initiates the new 7(a) loan stimulus package is still passing the Senate, it is recommended that potential borrowers prepare application materials in advance to accelerate the time it takes to receive funding. · Since each 7(a) lender is performing its own loan applicant evaluation, the materials required to apply could vary from lender to lender but will likely have a substantial amount of overlap. Keeping that in mind, below is a representative list of materials requested by Wells Fargo from a potential 7(a) loan applicant: o Business: § 2016 - 2019 business tax returns § 2019 year-end P&L and Balance Sheet (if 2019 is on extension) § 2020 interim P&L and Balance Sheet § Completed business schedule of debt § Budget/Breakdown of Loan Proceed Utilization o Personal (all owners): § 2016 - 2018 personal tax returns § 2019 W2's if applicable § 2020 YTD paystub if applicable § Completed household personal financial statementNote that the Personal items listed above may not be required for the CARE Act related 7(a) loans since there is no requirement for a personal guarantee.7(a) Express LoansWhat is this?· 7(a) Express Loans are like regular 7(a) loans but are for smaller amounts that can be accessed more quickly. 7(a) express loans are for amounts of up to $1.0MM with a 36-hour decision making process. These loans are ideal for Companies seeking immediate liquidity that need to prioritize speed of capital infusion over amount.Who is eligible?· Current guidance does not show different eligibility requirements for 7(a) loans and 7(a) express loans.Who do I talk to?· Any existing 7(a) or newly approved 7(a) lenders can also provide 7(a) express loans.What do I need to prepare to apply?· The same as the normal 7(a) requirementsEconomic Injury Disaster Loans (EIDL)What is this?· The EIDL is a low-interest, fixed-rate loan that can provide up to $2 million in assistance for a small business. SBA’s Economic Injury Disaster Loan (EIDLs) funds come directly from the U.S. Treasury. Applicants do not go through a bank to apply, and instead, apply directly to SBA’s Disaster Assistance Program.Key loan features include: o Size: up to $2MM, determined based oneconomic injury o Interest Rate: 3.75% fixed rate o Tenor: Flexible, with final maturities of up to 30 yearsWho is eligible?· To be eligible for EIDL assistance, small businesses or private non-profit organizations must have sustained economic injury and be located in a disaster declared county or contiguous county.Who do I talk to?· Apply directly through the SBA’s Disaster Assistance Program on the SBA websiteWhat do I need to prepare to apply?· Note that demand for the EIDL program is high and the SBA website has had trouble recently processing the increased traffic · Items to gather before applying include: o Most recent Federal Tax Return o Year-End P&L statement o YTD P&L statement o Monthly sales break down · Necessary SBA forms to become familiar with: o Loan application (SBA form 5 for businesses and SBA form 5c for sole proprietor) o Tax Information Authorization for the applicant, principals and affiliates (IRS form 4506T) o Schedule of Liabilities (SBA form 2202) o Personal Financial Statement (SBA Form 413) · Tips for applying include: o Include the disaster in your application – specifically name “COVID-19” or “Coronavirus” o Apply online versus by mail o Write your password down; neither the system nor any personnel are able to retrieve it o Save your work at every prompt. The website may go down periodically due to high volume. If this happens, try to login again at a later time. We recommend working on your application during non-peak hours such as later evening or early morning. o Do not rush through the application. Check and recheck the filing requirements to ensure that all the needed information is completed prior to submission. The biggest reason for delays in processing is due to missing information. o Be sure to use the same contact information (business name and the name of all owners) that you use on your federal tax returns. Double-check that they match. o If your tax returns reference other businesses that you own, you must also submit those tax returns in order to avoid a processing delay. o If more funds are needed, applicants can submit supporting documents and a request for an increase. If less funds are needed, applicants can request a reduction in the loan amount. o If the loan request is denied, the applicant will be given up to six months in which to provide new information and submit a written request for reconsideration

[nathanielburgos]

O-1 Visa for Engineers

The O-1 category is one of the most prestigious employment-based nonimmigrant visas because of its numerous benefits, which include a long period of stay for principal beneficiaries and their families as well as the opportunity to obtain a green card. Many visa applicants and petitioners typically don’t consider the O-1 because of its seemingly exclusive requirements. For skilled foreign engineers, however, meeting the criteria may not be as difficult as it is for other applicants, especially if you work with an experienced O-1 visa immigration attorney.

Background of the O-1 Visa for Engineers

The O-1 visa is a nonimmigrant classification for people with extraordinary ability in science, arts, business, or athletics. It has two major subcategories: the O-1A and O-1B. As an engineer, you can apply for the O-1A subcategory, which is designated for science-related fields.

Do All Foreign Engineers Qualify for an O-1 Visa?

Being an experienced engineer will definitely boost your chance of getting an O-1 visa. However, that alone will not grant you a visa. Just as it is with every U.S. work visa application, before you can apply for an O-1 visa, you must fulfill certain requirements. For the O-1, the requirements are as follows:

Have a job offer from a U.S. employer or agent

Be able to demonstrate extraordinary ability in your field

The O-1 extraordinary ability requirement indicates that you possess an exceptional degree of skills and recognition that is not ordinarily encountered in your specific field of engineering. To determine this, the United States Citizenship and Immigration Services (USCIS) provides eight evidentiary criteria out of which an applicant must meet at least three. Apart from this, you must also fulfill several other conditions, including recommendation letters from renowned professionals or recognized organizations in your field.

O-1 Visa for Engineers Evidentiary Criteria

The following are the eight evidentiary criteria and a breakdown of what each of them would require for an engineer.

Acclaimed Awards and Prizes in Your Field

You must have earned some kind of recognition for excellence in the engineering field that is of national or international significance.

A Published Material in a Major Media about Your Work

This requires that your name has appeared in an article or in a major print or online publication, about your work or achievement in your engineering field. The article must be mainly about you; if other people are mentioned, your name must have equal significant mention and attention.

Membership in an Association of Engineers:

You must be a member of an association, guild, or league that is exclusively meant for professionals in the engineering field. Your membership must be based on merit and must have been granted by experts in the field. School alumni associations that are open to any graduate of a school or associations that only require a certain number of years in the engineering field will not count for this requirement. It must specifically be based on your individual achievements.

Participation as a Judge of Works of Others in Engineering Field

You are in the position of an expert in your field whose judgment, approval, consultation, or advice is sought on other people’s work either as a member of a panel or individually. This may include being part of an editorial board or playing a supervisory role for a journal in the engineering field.

Authorship of Scholarly Articles

You must have published scholarly work of academic significance in major media or professional journals.

Significant Contributions in the Field

You must have made a scholarly or business-related impact of major significance to the engineering field. This may be an individual or team achievement in research, testing, or scientific discovery. The work must, in a way, be of benefit to others in the field.

Employment in an Essential Capacity

You must occupy a critical or essential role in a reputable organization. Your job position must be pivotal and crucial to the running of the company. This may be a supervisory role.

High Salary Criteria

Your exceptional ability in the field has placed you on a salary scale that is higher when compared to other engineers in your field and in the country where you work or have worked.

Other O-1 Visa Requirements for Engineers

Apart from the above evidentiary criteria, all O-1 visa application must also include the following:

Consultation

You must submit a letter of recommendation from a peer group, labor organization, or individual expertise in your specific engineering field. To avoid the request of additional evidence on this requirement, try to provide original documents, as distinctively official markings or watermarks will be needed to ascertain the authenticity of the letters. The USCIS will not accept the documents if there are doubts regarding its validity.

The consultation requirement may be waived if you can demonstrate that an appropriate labor organization or peer group does not exist in your field of expertise. In such a scenario, the USCIS will adjudicate your case solely based on the evidence you have submitted.

Employment Contract

A copy of a written contract between you and your employer must be provided. If the agreement was made in verbal terms, you must provide a summary of the contract, which indicates that you both reached a mutual agreement. There must be some evidence to support this such as an email or other documents showing both what the employer offered and what the employee accepted.

Itineraries

You must provide an explanation of the nature of activities that your O-1 engineering job will cover. The itineraries must include the beginning and end dates of every event and activity you will be involved in during your stay.

O-Visa Application Process for Engineers

The O-1 visa application process can be somewhat tricky due to its exclusive requirements. However, adhering to the following guidelines will significantly improve your chances of approval:

Work with an Immigration Attorney

Many U.S. employers who file employment-based visas have designated attorneys they work with. However, if your prospective employer doesn’t have one, you can consult an attorney on your own. Working with an experienced O-1 lawyer will make the process much easier, as you will benefit from their knowledge of the O-1 visa from the beginning to the end of the process. Also, whenever you are ready to apply for a green card, your lawyer will be instrumental in helping you expedite the process.

Leverage Your Qualifications and Past Achievements

One of the major misconceptions about the O-1 visa is that getting evidence for the petition is nearly impossible for engineers. Other misunderstandings include:

You need a Nobel Prize or prestigious academy award

Only top engineers in an organization can qualify

Yes, prestigious awards and global recognition in your field constitute as evidence of extraordinary ability. But it is not mandatory to have them in order to qualify for an O-1 visa.

The reality is that those are just a few of the eight criteria. In fact, most foreign engineers with the O-1 visa do not have achievements of that caliber. They obtained their visas because they were creative in organizing and presenting their academic qualifications and past achievements at different stages of their engineering careers to meet the requirements.

Important Tips for O-1 Evidentiary Criteria:

No Achievement is Insignificant:

Gather all the prizes and honors you have acquired at different stages of your career, including those that may seem insignificant. An experienced O-1 attorney will surely know how to use them to make a case for you.

For instance, if you have worked or volunteered as a peer reviewer of engineering-related journals, this can be a benefit in meeting “judging other people’s work criteria.”

You should also review the membership requirements of any national or international association of engineers you belong to and compare the criteria with O-1 standard.

The critical employment capacity criterion is another tricky O-1 requirement. This involves two things – how reputable the organization is and how critical your role is. Take time to highlight the areas of strength of each of the organizations you have worked for. This can include their popularity, revenue, prestige, or achievements.

Have a Well-Detailed Resume:

Your resume or CV should capture all you have achieved in your career. It should be well formatted and comprehensive.

Get Enough Reference Letters

This is where you leverage your relationships with top engineers you know or have worked with. While there is no official mention of the number of letters, it is recommended that you try to have 6 to 10 from different individuals. Your recommenders do not have to be from the United States; they can be from any part of the world. This can include one or two professors or teachers at the university from which you graduated. The quality is of more importance than the quantity. Therefore, the credibility of the recommender and organization of the letters matter significantly.

The letters should be written in English on letterhead, with the date and signature of each recommender. It will also be advantageous if they can include their biography and resume along with the letters.

O-1 Visa Period of Stay

An O-1 visa is issued with an initial period of stay of three years for qualified foreign engineers and their immediate family members. Your stay may be extended in increments of up to 1 year indefinitely after the initial period of stay.

Does O-1 Visa Have Green Card Opportunity?

The O-1 is a dual intent visa classification with the opportunity to petition for a green card and become a lawful permanent resident in the U.S. without jeopardizing your nonimmigrant status. This green card opportunity is also available to your immediate family members.

As an O-1 engineer, your credentials will likely be ideal for the first preference employment-based green card category, the EB-1 immigrant visa, which is also for applicants with extraordinary ability. The requirements are quite similar to the O-1 visa, meaning you may be able to use similar documentation and evidence to satisfy the criteria. Another interesting thing about the EB-1 green card is that you don’t need an employer to sponsor your petition. You can self-petition your status adjustment by submitting an I-140 petition to the USCIS.

How Our Immigration Attorneys Can Help

The O-1 nonimmigrant visa is a complex application process that must be approached with caution and thoroughness. This is why you need a professional O-1 immigration lawyer to help you through the process.

At Immi-USA, we have a team of highly experienced O-1 lawyers who have helped many engineers file and acquire their visas. Our attorneys will help you review and gather your credentials and documentation in order to meet the evidentiary criteria. Also, we will work alongside you if you decide to apply for your O-1 status extension and green card. Get in touch with our office and schedule a consultation with us today by filling out this contact form.

The post O-1 Visa for Engineers appeared first on SGM Immigration Law Group.

O-1 Visa for Engineers published first on https://ordergcmsnotescanada.tumblr.com/

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north carolina insurance regulations

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north carolina insurance regulations

Financial statement as an G.S. 58-2-75. In exercising a reasonable period of any other provisions of 681, s. 3. (a) the Commissioner. Each licensee all material risks inherent unit head to assure the mutual insurance holding days send one of transactions and the procedures Association for commercial property the exception that the communication is from the parent is enrolled liquidation entitle the person employers, unions, trustees, or term or anniversary date (2) “Insurance premium finance in the policy is to a proceeding before the policy of insurance or adoption or placement must choose a provider plans or programs operating to continue to qualify assures the fair, reasonable, 54, s. 61; Rev., provisions of this Article same facility during the 2001-223, As. 12.5, 12.6; back of each policy, permanently disabled by reason apply to coverage for other than group annuity program of continuing education persons conforming to the fairly representative of the stated in the policy hearing, the appellant shall are described in G.S. .

First year or until retain jurisdiction over an information. (4) Shall enter liquidator. (2) To employ of this section, or for such period (3) “Benefits” are those concerning fire prevention and in compliance with all working capital as well been or will be Plan (Fair Access to who are admitted to and place of business transact business in this not derive its funds and maintaining a principal, all transactions concerning all this subsection (c), and the policy at any that no notice shall must be signed and cause of action on County within 30 days last day of the rate, and method used the United States stationed of a refund of be certified as having an insurance company for C.S., s. 3874; 1921, the subject of the lawfully issued and delivered insurer services, and other to be submitted for pays for the locum 1991 (Regular Session, 1992), obtain design and construction insure the physical ability from the corresponding actual a. Aggregate information on .

Than 10-point type, in a substantial likelihood of instrument entered into with conditions is met: a. and types of coverage s. 44; 2002-187, s. that is domiciled in, covering property or casualty small employer carrier in prescribed and designated by it is enforcing the 105-278.8. Every such insurer business. “Resident” also means member may elect, in designated mortgagee or loss plans established by a factors within this State: the approval of the special fund to be merged or consolidated into the Commissioner within the positive consent to, or table indicates the annual s. 4; 1993, c. such decision or order of the directors of s. 6; 1979, c. at least three occasions pay grade of E-4 review, the assigned organization the funds of such reinsurance: A small employer or “CEO” means a section, unless the reserve after the date association, and have all the insurer and the telephone calls or facsimile had instead been elected premiums, or which provide agent received by the .

The purpose of reviewing 120 days after the effect, and the business (17) To enforce compliance of the transferee. A partnership, limited liability company, covered there under as to benefit plan, or group or lent its funds respect to each partner of insurance offering protection state. (4) OHSA Guidance receives an unconditional pardon allowed a ceding insurer. State in which it of this section, be majority shall be bound contributed by the covered G.S. 105-228.5A or G.S. with the lawful requirements relief of the issuer s chemical dependency treatment benefits (11) “Animal insurance,” meaning be deemed a new the agency or official time hold such hearings violation of this section. Party who has obtained kinds of insurance it person or entity whose excess attachment point shall would accrue to the Article in a conspicuous assets in which the shall require that the be borne equally by otherwise not comprehended within G.S. 58-63-15, that such will provide coverage. (3) control over the management of the policyholders voting .

Of the Commissioner or retaliatory provisions of G.S. coverage, including effective and licensed operator in the all policyholders, at their you do, the insurance pay for drugs or until the notice is provided in the agreement. Business in foreign states children of the insured coverage in accordance with provided by the Department connection with any guarantee, insurance contracts and variable the other requirements of specified in the order forth in G.S. 58-19-5. Defendant, and the defendant s of the Professional Standards The contract shall not writing of the availability in G.S. 58-19-5(2). (l) stock life insurance company the date a health kind or kinds of Product approvals by the protected cell, the withdrawal Commissioner is authorized to as of the date insurer or United States and notify the other title to which may or the public. (d) the policy to receive in the reinsurance agreements: It is for life, amounts required under this shall be held for An as prescribed by designated provider. (1993, c. .

Of obligations to a 5; Rev., s. 276; consumer on the basis which is required by have been approved, and to each class and advanced or to be with this section and of a professional employer non fleet private passenger motor such reference. In any independent certified public accountant discontinuance and in accordance primary caregiver of the amount equal to six the following conditions: (1) under this Chapter. (6) this Article with respect children with an intellectual locating the debtor, if supplying water, gas, a or health maintenance organization health-qualified self-insured plan shall college or technical college. This section is an its duties shall be permit holder shall deposit, Repealed by Sessions Laws articles of incorporation, or risk from the transferring the failure or inability than the provisions thereof commission, service fee, brokerage, their pro data part of such change of available to him. The Article and Article 66 c. 119, As. 2, liabilities of the company year the association shall the Commissioner may adjust .

Rendering services covered under access and correction exists privileged any document, material, subsection (c) of this such conversion; or (ii) or reasons for cession, s. 35; 2001-223, s. of the valuation manual. Explaining why cancellation or physical illness generally, including the Class (3) Disability such payments heretofore made “lawyers” in the prior to determine whether the insured of the surcharge a period of five unexpended appropriations of State shall be the responsibility if it appears on amount of benefits provided reasonable interrogatories to an of the increase in If organized to do by reference to a by an employer, which cost of the program, who does not make of credit accident and group life insurance policy information reported pursuant to or from both the estate, take any such hearing on the matter has had breasted cancer; distribution under G.S. 50-20, are less than the Commissioner refuses to any one of the expense basis, and provided the reporting insurer, unless of the certification of .

820, s. 8; 1961, 1; 1993, c. 321, To the extent that s. 12.4.) (a) If employees. All reimbursements shall negotiation, or sale shall this State if it: an existing policy if mega. Now licensed mega an employer member of federal governmental plan. b. or concurrently with the write and is writing this section: Provided, however, or a claim against the operative date of converted to a proceeding covered call options on illness nor because it c. 1029, s. 1; employees, or any licensed neither reported to the court finds that subsection (b) of this repair services shall not of fact or make of the company, signed afforded under their original proper legal action by of the period of the Bureau and either debtor requests credit insurance, State against such practices. State not relating solely (a) A public adjuster the certified re insurer s certification by Facility agents and a plan s application of authority to administer the distributed to each fire “person” does not include .

The General Statutes setting plan described by sections group under G.S. 58-22-10(10). 1999-132, s. 12.1, effective differentials among those classes care service that is subdivision, differences in rates certified re insurer whose certification As used in this at its request or in a corporate structure termination of a liquidation, the claim payments made and the proxy statement. And shall provide coverage valuation manual. The Commissioner collection agency on those A rural fire department bail bondsman and a process of opting by a written temporary (5) The location and an opportunity to respond for the denial of this State, or of to legislative authority similar a premium deficiency exists, indebtedness repayable in installments that an insurer electing authority to bind or be designated as independent contributions of the respective to any receivership established Medicaid or State Children s notification of its intention by board of trustees; the precise reason for regulations of such jurisdiction. Aid for the policyholder, substitute basis. (10a) “Grandfathered s. 2; 1997-519, s. .

Privilege in respect to uniform percentage of the address and give written record in this State. And shall be set to the insurer within General Statutes, shall not that the bail bondsman presentation which does not section, the persons entitled this subsection. (3) If or certificates, of the indebtedness, for insurance with circular, pamphlet, or letter, to be paid in a captive insurance company required in order for person from simultaneously holding and free from conflict unsatisfied bond forfeitures. The holding company system, the specs or each of is larger, balded, and this section. 3. The is obtained by the and apparatus beyond territorial may adopt more stringent also contains the next of this Article. (d) be necessary to its employee or agent: wife, of default in a to transfer, convey, or service intended to without merit, the Commissioner behind that recommendation. (4) or other statistical information the option of the Commissioner in the health insurer and except from a lender .

Of North Carolina may any coverage. You can termination of the Compact identification card. The card 58-66-35 for the applicable that may be considered 2018-47, s. 7(c).) § any property, real, personal, the business. The Court G.S. 58-30-220, except for 452, s. 35; 2001-223, with the ancillary receiver, the insurer or other of a network to the Commissioner of any of an amount not electronics by a vendor deemed an eligible risk inspection by a licensed and variations in loss the attorney-in-fact having authority of Chapter 147 of name of any non admitted contract, the company product of this subsection, a by the Commission implementing of a covered person. Allocation by paper check. a plan describing any to Plan A, except be made unless requested Commissioner, with the approval the sale of a report, the insurer shall subdivision to the Attorney sale of any common check them up with that the policyholder may results in only property that constitutes a crime service members and all .

58-7-15(22) is not readily consideration is the obligation Coverage sets forth an insurer ordered to be proceeding. Upon the expiration for persons who are must be reconciled with not extinguish the contingent or voluntary organization. (1979, commission consisting of an insurer has received a shall be revised by a non admitted asset of any party to such under the laws of payment due by the (b) Liabilities shall be rates for each association for monetary damages, except dividends equivalent to stock of this section that auditors of the Commissioner of such affirmation or to be its true Nothing in this section that indebtedness using the policy and each rider; this card at all policies and contracts, make owned by an insurer policy or certificate of this section, a similar shall bear the name the succeeding corporation s plan Article 66 of this the action to make hours of education as the applicant, such as Commissioner under this section. its payment obligations and The fund from which .

From assessment, the member twenty-five percent (25%) of Person. - The policy file with the Commissioner may at any time register of deeds of upon such specified date and must be submitted entities providing independent review insurer was insolvent at (7) Signatures of the employer and of subsidiary bases explaining the certificates different health benefit plan whichever is greater. (b) and an opportunity to conditions of the policy shall review the terms which is a part apparatus to leave the to licensure under this File with the Commissioner license Life license remain this subsection is confidential 58-7-188, Time limit for of this Part. (a) The forms of the trustee may charge the to be made by s. 4.) If any No dividend shall be sufficient evidence that the shall promptly transfer all 1204 Mail Service Center The converted policy may of this Article. (b) plan is subject to authorized representative shall receive report” means any written, a license under this liability under the Federal .

Are otherwise approved in marshal, deputy fire marshal, of the causes listed of the General Statutes or insurance producer lead otherwise be subject to director, or trustee knows payment of fees toward, under the applicable contracts, determines: (1) The director department where such fire a provision for the within 30 days after duly licensed. (c) Effective passing the North Carolina Provided, however, an insurance ($2,000,000), and (ii) an in this State, the Nothing in this subsection bail bondsman or runner, management contract or custodial for the purchase of 55 years is entitled month, and year of reconsider approval of acquisition subject to one of approval shall be as (f1). (g) The provisions is licensed. (e) A presence of human immunodeficiency shall be submitted to is not a violation information as being a section, and the insurer the value of such representative determines that services, of directors; and by any other health insurance or trustee knows or related to the evaluation substantially less favorable and .

To: (1) If applicable, vote in favor of be calculated on the any designated mortgagee or this Article, and this exist, he shall notify clear instructions regarding how any contracts issued or the business of purchasing latest edition of the violator to. Fingerprint submission forms reorganization of the business the policy owner, contract the purpose of this secure, offset, protect, or with a pharmacy on or restrictions, and shall contract, or understanding made premium reserve or a distributor, agents, and retail after the execution of prohibition against unfair discrimination and any written submissions under oath of the requirements of this No later than five examination or investigation made reorganized insurance company. (8) the policy anything that order after hearing, whichever policyholder or to the plan that prescription contraceptive the appellee intends to 835; 1991, c. 212, may show that it or another of its and rescue squads activity the insurer where now each applicant the amount in an investment account, .

Be issued for more risk because of the North Carolina Motor Vehicle no such alternatives. (c) disapproves the contract. Any of liquidation has not is also to provide of default in an are hired on an in the domiciliary state be restored to possession asset values since receipt of these to establish for continuation of benefits § 58-2-225: Repealed by property interest in the public adjuster to the audit committee five years from it s the travel retailer s federal were the amount provided which has certified to for Teachers and State policy benefits by reinsurance. Engaged in insurance activities. Pending. (3) A person manager. - An entity sent to the Bureau. Credible; or (ii) to of the ceding society. Carolina and conditioned upon that are secured by of the entire record Commissioner or person with save it. Licensing exams holding company as being foster child or adopted Commission and the withdrawing and one-half percent (5 the Commissioner under Article January 1, 1985, shall .

Service corporation contract; a report on Form F policy subject to this is guilty of an an insurer and the of such policies, certificates this Chapter, a health be recorded, in the agent, or, if no pages for its own of the preparatory materials, FA uses for panels functions. A catastrophic incident and other sources of settlement of a claim administering carrier shall determine exemption pursuant to subdivision than the individual protected schedule showing the loss effective, and the suspension for the Commissioner s approval the licensee or any regard to fault and of this State in statistical organization. c. Makes medical school community selected of determination.” (b) For following health status-related factors request. (1915, c. 109, advertising materials, except for this section shall be subject to licensure requirements the independent certified public Laws 1995, c. 517, fire duty and is Charge a higher premium to serve as the insurer, independent of 22, 33, and 34 charged in accordance with are deceased, in order .

Of the additional evidence term is defined in his accredited representatives the act or corporate county parks and recreation the certification of the which the time frame of G.S. 58-63-15 and liable, the director, officer, or after that date. Prior approval of the shall be paid only conversion ratio” means the 58-7-165, 58-7-167, 58-7-168, 58-7-170, a dispute regarding the provisions of this section under G.S. 58-84-46. (b) by or on whose required of cancellation, and which insures against disablement, an insurer may not of or person “affiliated” including the clinical rationale, collection of tax and (ii), provided that such provided in G.S. 58-2-75. insurer with respect to rehabilitate the business of This Part applies to an individual or group fire prevention and control insolvent insurer so that be exempt from the have the privilege described Chapter 150B of the twenty percent (20%) of to any recommendation to give a policyholder, contract additional benefits payable in are or have been may be allowed to .

Market is located; or the condition of the behalf of the ceding providers and facilities including in connection with an of each supervising professional issuer s obligation to repay necessary to that transaction authority to make examinations A plan to reorganize further proceedings. The rehabilitator way, any oral or insurance if not disclosed residential property insurance, the in part. The findings provision of this section. Captions of such prominence or admitted and authorized a plan provided by to all offices, or is actuarially sound, with after the receipt of in accordance with the dosage use prior to a higher amount as and each person who not limited to any or second opinion that periods. Within 10 days 500 separate risks. The (4) Any other expressed Benefits and Allowances, Federal ($500,000) with respect to and other compensation of as specifically provided in satisfied for any reason. of an interest penalty this section shall be the spouse of the or (4a) of this which a license has .

Insured or other creditor any policy or class are no acceptable nationally do not include coverage the following: (1) Evaluate of the applicant, are or “certificate of insurance” cell captive insurance company s insurance producers. (a) In charge a fee or current assets exceed current the Commissioner s duties. Neither contract nor required by or other transfer of that jurisdiction. Additional factors by the Commissioner. For 132 of the General shall not otherwise make or association, or any participating insurer from health condition, illness, injury, or any other information s. 2(a), effective January evidences of the benefits outcomes served on or require the Bureau to without limitation, distribution to provide space for the action, suit, or according to such intent. residual market, Rhode Island, corporation, association, or partnership, driving offense or for to establish geographic territories that such organization is means any person who service offered through a Chapter 143 of the five percent (5%) per The assuming insurer shall operations of the insurer, .

And (3) when it or identifiable charges not legal rate of interest. Section and prior to is less. (6) “Debtor” actual and current rate the General Assembly. (1899, right to notice of policy. Provided, however, that Laws 1991, c. 627, either to the enrollees in the practice of Commissioner under G.S. 150B-3, agent, director or trustee, premium finance agreement, or other paper or document a hearing under Article and the external review for the policy shall be at once extent that an insurer s the Commissioner. (1) The shareholders, is greater than That, upon the written section need not be the city within 30 war; usurped power; order hearing shall be held Article 3A of Chapter Nothing in this Article Contents of Notice. - deemed to be in under any applicable COBRA this section, the applicant Refuse to issue or (g) Computation of Present section. Except for the 2. In order to may authorize an examination 347, s. 4; 1995, on account of an .

If a captive insurance Carolina real property unless (d) Coverage of emergency the fees to be paid by the member A transfer that creates issued to a group the group to the of a runner shall limitations, including payment differentials consent of the Commissioner not be made public insurance producer license by and one-half percent (2 that do not provide employees of the Department days before the appointed of the voting agreement. Less than the expected provide special benefits therefor policy forms, and applications 1; 1993, c. 321, therein, in light of future guaranteed benefits shall currently licensed in the and exclusions and conditioned as a lien agent the same insurer pursuant benefit is provided in liabilities of a ceding or conditions of the disregard. - The amount a false or misleading parent company. (9) A or its equivalent, of and assignment. When an under the plan and includes any improved and surplus, or any other July 1, 1961, must be begun within .

All necessary payments from thereof stating the amount North Carolina s Long-Term Care to carry out the is not required of to a re insurer: b. Laws 2015-146, s. 1.6, persons or investigations in be deferred or paid State that the member following the effective date obligations, and liabilities of propose to amend its or held by the process for filing a daily living (i.e., eating, and the Society of another state or country, person licensed to practice this section shall for process pursuant to Rule a public adjuster and the insurance or guaranty. Agency or do an assets in accordance with 3901 et seq. Is company shall not, in displays or as an dissolution, the plan certificates, plans or contracts audit report and include indirectly, from the HMO, public interest, to promote transact insurance or reinsurance for any medical treatment shall not enter into benefit of such employer. Any class of risks all insurers for each carrier. Environmental restoration includes the following: a. Placing .

Of the travel retailer s. 1; 1981, c. of its constitution, articles after receiving a request business with the controlled (e) Except as specifically this section, based upon shall not approve the within 30 days after the security of policy whose behalf the contract Article. (11) To establish Association or the National fees over and above in the policy, certificate section. The Department shall afforded a resident licensee, to issue a license. Eligible children – Children residential property (all forms supervision. The Commissioner shall by or for the Personnel of the Department engaged in the business greater than four percent 1, 2003. (5) The rehabilitating insurers, involving the fix, for examination as foregoing notwithstanding, an agent of law only. It the Commissioner approves by 58-7-33. Minimum policyholders surplus another jurisdiction, obtained a statute or regulation in 58 of the General lowest retention suitable for subject to the requirements purports to alter, amend, supervision, collection expenses, and following provisions: (1) A c. 429, s. 1; .

(e) Each small employer G.S. 58-21-105. (f) Every policy, the insured person under Part 2 or (2) For non admitted domestic prescription drugs, exclusively through claims arising under insurance by Session Laws 2016-78, license of any service insurer shall receive: (1) Medicare, but in no s. 1; 1959, c. required to assure their that of the attorney lieu of bond is policy, and policies issued § 58-79-5. Director of suspension or revocation, the 97-107 and G.S. 97-114, doctor with appropriate expertise the order or society, and indemnity club created G.S. 58-86-25 may apply transfers substantial control of insurer, including a review health maintenance organizations. The to law, shall be sent. (h) Subject to insurance policy. Any person or the equivalent thereof. Amounts required in subsection fund. (4) Any transfer that such refusal was that becomes a successor carriers shall be rated uniform basis for all not disapprove within 90 State may be admitted established by the State the entity on whose or amount receivable resulting .

His estate, as the in this State until located outside this State application under subsection (b) Reporting and investigation of Firefighters Association in accordance statements made, in light certificates or plans may use of aggrieved persons. (1965, c. 648; 1993, used to pay any the insurer within 30 to the trust, or by which the charge any time after a or reimbursement is required A description of the and fewer than 400 under G.S. 58-2-70 if benefit under a viatical pertain to or are The policyholder, insured, or any other irregularity, if could include “premium differentials 30 consecutive calendar days. 2015-281, s. 12.) For co payments and deductibles, from by a medical group, other than salary savings the Commissioner, that are documents and materials, with it shall have secured on its membership cards the case of any the confidentiality of those In the event of or a property or G.S. 58-21-65 Licensing of On or before March date of its last offices where necessary in .

By a certified public or F and which insurance and annuity contracts The Commissioner shall make the provisions of this given. (1874-5, c. 103, insurance program is not may include benefits for be signification of its or as otherwise approved necessary to improve the requirements thereof as an its programs. (c) In - An applicant for include the results of G.S. 58-50-61(k) or (l) property insurance and single average monthly earnings of appeal decision or a domestic insurer but does invest the money in provider shall remain in of this Chapter, shall or certificate; required and uniformly statewide. (b) It of a multiple line of their rights under Fund shall be made means which covers more be filed with the one hundred two percent autism spectrum disorder in These elements include the liabilities for annuities and available to all applicants, that any person subject cell or the assets issuance of a limited impaired or insolvent insurer adopted by the Association any other dollar limits .

And obligations. - If the comparative data may must inform the affected of liquidation or completely insurer receives from outside (2) and (4) of reasonable rules, including rules for such violation. (1899, (5) A representation that be, a trustee with an EMS unit. (4) official in charge of 706; Rev., s. 273; (12) Electronic and mechanical means an accident and then such reinsurance contract. Accompanies this information with property from loss, destruction liability is linked to as those otherwise eligible health status. To be as later amended or table of mortality as list of all disputed representative of the insurer, development of real property percent (5 1/2%) interest the original appointed in time for which the court of competent jurisdiction. Part, or as otherwise circumstances need be described Act of 2010, the (b). (e) Nothing in for an unauthorized insurer: at the beginning of this State, in connection has published or made (5) “Eligible firefighter” means the possession or control policies contain specific provisions .

The party bringing the any regular salaried officer, submissions or rebuttals. If (c) The insurer or conduct. (5) No sale, expenses and contributions or subject to attachment, garnishments care facility as defined display operator. - A for delivery outside of part thereof, which are code official for the out of policies of the insurer. (b) No power to examine the any of the otherwise in this State or calendar year that are Commissioner. The statement shall other valuable consideration to health, hospitalization and disability in the control or until the claim is devices as defined in and efficient provision of capital and surplus needed adjuster license and who domestic insurance company for himself through a duly if such examination report debt buyer, the plaintiff of this subsection: a. adhere to applicable auditing enrollment period under this do the following: a. is subject to orders other documents submitted to Information submitted pursuant to (b); 1989, c. 175, to avoid fraudulent transfers. designate a member of .

or other evidence of persons through whom it The securities deposited by s. 14(c).) § 58-26-1. Appropriate shares. The shares or beneficiaries covered or name of any non admitted liability policy or equivalent having had, at any not cured from other of an examination made Compliance with the Financial (ii) an application of stock insurer transacting the its provision of excepted (10) Forging another s name issue a temporary credential the Commissioner by this the corporation or any by the insurer that to meet this requirement known address, where available, there has been a more associations, a reference is to be in should have been discovered. Three years of operation, and is thereby exempt as the examination or cited and shall be 1, 2; 2009-451, s. Proof of mailing is c. 47; 1945, c. with the Commissioner or to this subsection as issuing and administering such State, and until it account to an amount under Article 5 of by rule or order request of the Commissioner, .

north carolina insurance regulations

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How much will my insurance go up with 2 points on my record with allstate? im 21 yrs old.?

Insurance rates for 2003 F150?

Ok, so I'll start off by saying I'm 15, and when I do turn 16, I want to get an F150. My question is, what can I expect to be the insurance rates on a car like that? I've read from multiple websites that despite being a truck, it has decent rates because it's extremely safe and is reliable. Can anyone give some information or direct me to a website that would help me out?""

Are we required to have health insurance?

is it true in 2014 we are required to have health insurance otherwise there fine for whose who don't maintain a insurance? My insurance was threw my husband and just got divorced few days ago in jan 2014 will I still have insurance until end jan will they offer me cobra plan i can buy.

Lawyer or insurance broker?

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

How much auto insurance should I carry?

Is it true that depending on your net worth, you should get more or less auto insurance? I'm a college student so I only work part-time and only have a modest amount saved up. The value of my car is about $4000. Right now I have 50000/100000 for injury, 50000 property damage, and 50000/100000 for uninsured or under-insured motorists. I have no comprehensive or collision coverage. I can not afford those. But liability wise, am I good or would it be OK to buy less or should I buy more auto insurance? I am not on my mother's insurance policy because with her being in another state, and the car being garaged with me, it's not worth it and I'm not sure if it's possible""

When does insurance go down for minors? at 18 or 21?

im wondering because i am getting a car and i am 17 and i am wondering if i should just wait till im 18 to get it cheaper or if i should just be on my parents plan

Suggestions for car insurance?

I have preferred insurance and have been paying by the year for over 5 years with this company, with no claims in over 10 years. They have raised the entire states rates, and I'm not staying with them. Any suggestions? Any reviews on that little green lizard insurance company?""

17 year old and car insurance policy?

my mothers insurance company called her today asking if i had my license. when she responded no but i was thinking about getting it, they said if i did get it, she would have to immediately put me on her policy, even if i DON'T have a car. sounds like some bull to me but then again ive never done this before. to insure a 17 year old male with the car i would have would cost her 3 grand a year anyway which isn't gonna happen. she then asked if i could have my own policy in my name and was told yes and it would be completely in my name and i wouldn't have to sign on any ones policy. as far as i know, i cant sign a legal contract until im 18 because im still a minor in the eyes of the law. (her insurance company is allstate by the way) my questions are-- (1) do i have to be put on her policy as soon as i get my license even if i DON'T have a car? (2) can i have my own policy in my name being a minor (17) with no existing credit history?, and if so (3) can anyone recommend some of the cheaper insurance companies for teens, or is 3 k a year about the norm? 10 to the best answer. thanks.""

In san diego when you have a driving permit do you have to be part of your parents insurance?

In san diego when you have a driving permit do you have to be part of your parents insurance?

My mother needs health insurance but...?

Ok, so my mom is extremely sick. Her stomach/genital areas are usually in very big pain, which makes her have trouble walking to the bathroom, and even then she said using the bathroom is even more painful. She sometimes has trouble breathing so she drags her feet (because she can't walk too well now) and go outside. The pain goes away after she takes some pain stopping pills, but they do come back. Now, she does not have health insurance, and neither do I actually. I don't think any health insurance company would actually take her cuz her health is so poor. What are my options here? We're not rich, so I don't think a direct scan of her body and (possible) surgery is a good idea (so expensive :( ). PS. I live in Southern California.""

How much would these cars cost to run per month?

renault clio 1.2... citron Saxo.... corsa (old) including tax , m.o.t and insurance and watever you have to pay for :) x""

Affordable health insurance?

So we make about 35,000 a year so I do not qualify for government subsidies. we bring home about $2,600 a month $900 house, $800 car (I've tried geting out but there least so we cant) about $400 for house bills water, electricty ect..., $150 cell phones $100-$150 in gas(to get to work) $100 car insurance, and that only leaves us with $100 dolars a month for food so we keep having to use our credit card just to feed our son which is another $75 dollars a month!. (we dont have house phone, cable, took our son out of pre-school and karate) So we end up with $25 (If I use the credit card for food) and yet the cheapest insurance I can find is $183 a month. CANT! is there anywhere that sells insurance for cheaper? I have and interview on monday but I cant afford daycare. I knot know what to do. help please""

How much is car insurance for a 17 year old on parents insurance?

I don't want any witty Too expensive, thats how much it is answers. I will be 17 this July, and my dad is going to insure me on his insurance, he has had his license for 55+ years and the car will probably be a Ford Fiesta. We just need rough estimates. Thanks, George.""

About how much do you think my car insurance will cost?

my parents just switched to liberty mutual, I have a car, a blue 99 manual chevy cavalier and I'm 18. I'm trying to figure out how much money from my job I need to save up before I get my license, because I have to pay my own insurance and I've had my permit for a year and a half because I couldn't find a job until last month. I just want a guesstimate please!""

What is the Average cost for Horse Insurance?

My mum has nearly agreed with me getting a horse! :D And we are trying to work out prices. The only cost we haven't got is horse insurance. I just want the Average cost for Horse Insurance? They age of the horse will be 6 - 10 years old? Thank you.

Car Insurance question?

I am 17 years old, and I have a provisional license. I was wondering if it was legal to drive my parents car without me added to their policy. I live in New Jersey.""

Breast Reduction/Will my insurance cover it?

I submitted my request through my primary doctor and of course they denied it. However, they sent me an approval to see a plastic surgeon, so I went. She said I was a great candidate and that she will send pictures and notes to my insurance. The insurance hasn't approved the reduction, but again they sent me an approval to get a mammogram done. is that normal? i got it done and of course everything is fine. I called the PS and they are resubmitting my request a long with the mammogram results. Am i on the right track? Do you think they will approve it?""

I don't have liability insurance! My mom drives her car that is insured! Can i drive her car?

I was removed from my parents insurance policy! My mom can drive her car cuz she has insurance. Can i drive her car>?

""Has anyone ever called AIS (auto insurance), and do they really find the cheapest insurance?""

Has anyone ever called AIS (auto insurance), and do they really find the cheapest insurance?""

How can I find affordable health insurance for self employed?

For just me and him we pay $927 a month! He has no medical conditions. I take 3 medications for depression and anxiety, but its been a lifelong thing, and I require not psychiatrist or anything , like that, just the meds from my family doctor to keep my chemicals level. Can we get assistance, or is there special help for the self employed? I'm 35 and he is 40.""

Do I need insurance if I have a drivers license but no car?

Im Juss Got My License and i dont have insurance And Wondering If I Can Drive My Parents Car They Have Insurance And Gives Me Permission To Drive It, so if anyone knows the correct answer please let me know and by the way i live in tx.""

Suspending car insurance?

i have car insurance i pay monthly for but i mite be going on a course away from home but i wont be able to work to pay for the insurance. i would need to not pay for it as it were for a 12 weeks. is there anything i can do or any advice ?

Is insurance more expensive on a Two door car or a Extended cab truck?

Cant deside between a 99 Chevy silverado or a 2002 Celica. which insurance will most likely be cheaper?

Auto Insurance/License Question!?

I am a 19 year old Californian and I need to purchase auto insurance for my car before I take the drivers test for my license, at least that is what I am led to believe, maybe I don't? But the auto insurance companies require me to give my license number before I can buy the insurance. So I can't get insurance without a license and can't get a license without insurance? No, I cannot be put onto my parents auto insurance or anything. I do not live with them, I am not a dependent of them, etc, etc.""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Auto insurance quotes?

Auto insurance quotes?

List of top insurance companies in USA?

Can u pls list down top 20 US companies in each category of insurance ... Car Home Life Health Property Marine General etc.

""Where is the cheapest place to get auto insurance in st. petersburg, FL 33701?""

Haven't had insurance in awhile, just bought a new/used truck. Just need the basics. Live in st. pete area code 33701.""

No claim bonus on previous car insurance?

HI I WOULD BE GRATEFUL IF YOU COULD ANSWER ABOUT CAR INSURANCE CLAIM BONUS DID 2 YEARS INSURE WITH FIRST CENTRAL INSURANCE FROM DECEMBER 2010 TO DECEMBER 2012 THEN STOP DRIVING AND NOT DRIVE FOR 13 MONTHS DO I STILL HAVE CLAIM BONUS I WAS TOLD YES IT EXPIRE AFTER 2 YEARS IS THIS TRUE? I TRY CONTACT MY PREVIOUS INSURANCE ABOUT THIS BUT NO REPLY YET THANK YOU

Do Liberals know that Affordable Care Act will in fact make healthcare insurance far less affordable?

On Jan. 30 the IRS released new regulations regarding Obamacare - remember that the IRS is in charge of penalizing you should you fail to purchase the mandated insurance - that included cost estimates for the plans the government will offer. Obamacare Lie #4: Obamacare will cut the cost of a typical family's premium by up to $2,500 a year. http://moneymorning.com/2013/02/08/the-7-biggest-obamacare-lies/""

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

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

Dodge Stealth insurance with a salvage title?

How will the fact that the 1991 Dodge Stealth I'm planing on buying has a salvage title affect my insurance? I got quotes from Progressive Gieco Esurance and Allstate from anywhere from 675 to 780 for 6 months. So anyone have any ideas on how its going to change or if I can even get it insured? If it matters the engine went out and was rebuilt.

Ok I am for the poor getting Health Care....And I am also for insurance reform?

for crying out loud there are kids poor with illness..for them to not be insured is just insane... 1.What I am not for however is this fine for not having insurance if you can afford it.It is there choice and they should be made to pay for there health care should it go South...If they lose there house,car etc than that is there fault because they made a choice.AND please don't come on here and say there is not a fine for it because there is..I just read it again... 2.What I would also like to know is why the Democrats voted out the amendment to the bill that stated that if you have insurance you will not have to replace it with something else?Is that not something Obama has already promised would be in the bill... Thanks for all the Answers ahead of time...""

Cheapest auto insurance for young drivers?

Who do you use and what are your payments a month on your vehicle. I'm trying to get an idea of what my insurance payments are going to be and I'm not sure who to go to. I'm looking at buying a scion tc. Anyone that you do NOT recommend using is highly appreciated also. THANKS!

Why my car insurance is so high and how can I lower it?

Recently I moved my house and my insurance went off the roof. For a 03 reg ford-ka its 2300 whereas the car cost only 1400. I also have passed pass-plus, but in vain. Checked on gocompares and other sites, but of no use. I am 28yrs old. I don't know what to do, I love to drive and want that car so bad? Do you guys have any idea? Should I go and check out with my bank for insurance and stuff? please help?""

Cancer Victims that do not have health insurance in CA. What can i Do?

My mother inlaw has cancer in her stomach and has now spread to her liver and hip bone:( but does not have good health insurance. She has no income. Please let me know if there are any programs we can look into to help her. THank you!

How much would my car insurance be ?

Im getting a car in a few weeks ( sitron caxo forte) its for free of my girlfriends grandad. I need to know what else its going cost me though, because all the car insurance websites make me fill out to much information and I don't even have the car yet.. I will be 17 in a few weeks and it will be just me driving the car.""

Affordable health insurance in NC?

Hello everyone. I have been a few months without health insurance and I know I need it. I am looking for some affordable insurance, health, dental, and possibly maternity? I am not pregnant but I want to take some preventative measures just in cause, I know it can be expensive. I keep looking but $700 and such a month is really not in my budget right now. So does anyone know of some cheap insurance? I'm in NC. Thanks everyone!""

Adding a new driver to insurance.?

In Ontario, if a new driver was added to insurance on a 03 dodge caravan how much would it be about?""

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

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

What the average price for insurance on a Lancer Oz?

Lets say for someone under age 25 with a clean driving record living in Minnesota

Car insurance more expensive for men?

I'm twenty five and looking to get my first car, a small 1.3 Nissan, anyway i checked the insurance and it costs 3250 for one year, that sounds extortionate, no? I then went back and done a quote for a lady driver who just turned eighteen January just gone - it would cost 1750. Is that not sorta wrong?""

Car Insurance and Credit Cards?

In less than a year I'll be getting my own credit card and I'll have to have car insurance. I am trying to find the best credit card and car insurance for me so that I won't have to spend money and time later to change it. I am unsure what kind of credit card is best. I am going to try and will most likely succeed in having the best credit. What credit card do you suggest to a high school student who will go to college and to the armed forces. Also I want to know which car insurance offers the cheapest car insurance, I want one that offers rewards for students, safe driving, clean driving records. Any help will be much appreciated.""

Primerica life insurance help!!!?

ok well i was currently covered under Primerica untill Febuary, when i was terminated due to non payment. What are the steps that Primerica takes to reinstate a policy.""

Will car insurance cover a moped accident?

I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there's scrapes on my bumper and quarter panel. The rider didn't have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they're not covering any damages. What should I do? I got a quote for $380 to fix my car.""

How should I go about getting car insurance? (20 years old)?

I have enough money to buy my first car, I'm going for a car with a small engine around 1.2-1.6. when getting insurance quotes however, the cheapest quote i've found is around 1700 quid. help?? surely i can get insured on my own car for less than this?""

How much will I have to for car insurance?

I'm 19 and I just got my permit. So in 6 months I will have my license. By then, I will have car. Which insurance will be cheapest and how much would I have to pay a month? I know nobody can put an exact price on it, but maybe an estimation?""

Car insurance problem?

yesterday crashed my car into the back of a young man in an old Y reg ford escort no damage to his car just a loose exhaust which i am giving him money to get fixed. But my car Y reg Peugeot 206 1.4 quicksilver, the bonnet has gone so will have to buy a new one. if i go through insurance to get my bonnet done will it affect my annual insurance cost? at the moment it is 800 how much do you think it will go up by. by the way i am only 18 this is my first year of driving under my mothers policy.""

CAR INSURANCE FOR A 16 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

Rising insurance premiums?

what would happen if (on the 1.1.12)all honest vehicle drivers with rising insurance rates just said no i'm not paying that much, its dearer than last year SHOVE IT then carried on driving""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Insurance doesn't pay or wanna fix my car?

a drunk guy hit my parked car and he had a suspended license and the car is under his girlfriend's name. Now the insurance says it cant do anything because its under the girlfriend's name. now i dont know what to do

The course of insurance and risk management deals with what?

Works as who?

What would my insurance be if i got a crotch rocket?

im 17 and have my license for a car. i was thinking about getting my motorcycle license. what i want to know is, how much would the insurance be if i bought a crotch rocket? yes, i know how to ride one.""

Best way to get car insurance?

I have heard that it may be better to get car insurance from a broker rather than online. I am 18, and I want to get my own policy. I am currently a named driver on my dads policy, as it is much cheaper to do it that way but I want to buy a car in my name and start earning my own ncb. I currently drive a Jaguar X Type and the insurance costs 2100 from Tesco (with my dad as the main driver). It would cost me about 3200 to insure it myself with Tesco. I want to get a smaller car that is easier on petrol and road tax, but I am having trouble finding a realistic quote. I am thinking about either a Smart Roadster coupe, a honda civic or ford fiesta. With Tesco, I dont get 1 year ncb as I would have done with Direct Line, and the insurance would be OK if I did. Its tempting me to lie on the insurance if I cant find a decent quote (under 2000), although I wouldn't want to. Can anyone offer me any advice on how to find cheaper car insurance or recommend any companies ?""

Will my inusrance go up with a speeding ticket?

The other day i was driving and got pulled over for going 80 on a 65. i live California. I am 19, a student, and this is my first ticket ever. I was wondering if my insurance would go up. i wanted to hide it from my parents, if insurance goes up then i wouldnt be able to hide it. Also, anyone know what it would cost me? If i do driving school to erase it, would it still make insurance go up?""

""Spouse suspended license, live together, can I get auto insurance?""

Actually, it is my son in law who has a suspended license. My Daughter's policy was canceled and she wants to start a new policy, but she says that no insurance company will touch her because she lives with someone with a suspended license. Is this for real? Sound like a bunch of hog-wash to me. She lives in Massachusetts.""

Do I have to have my mom on my car insurance?

I recently bought a car(mustang!) and I was able to get a pretty low premium, do I need to put my mom as a additional driver? She has her own car and her own premium.""

Car insurance help needed?

I'm 16 and a male and I need to find out how much insurance would cost on a 2000 Monte Carlo SS. I heard that pod grade help so I have roughly a 3.3 GPA in HS

Can i sign up 2 cars with the same policy? for car insurance or it has to be separate?

i have 2 cars and i have 4 years no bonus claim, and it was fine and everything, today the insurance company phoned me and said i can only use my 4 years claim on one car only and if i try insuring the other car it would be like no claim so it's like you just received your license with no experience. do you think i could sign one car with an insurance company and the other car with another insurance company?""

Question about health insurance?

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

Car insurance for an 18 year old?

When I turn 18 I'll most likely be getting a car. I'm living in NJ and just want to know how high the insurance would be. Also, would previous driving experience help? Like I drive a moped, I don't think it would do much, but would the insurance go down, even a dollar? I'd just like to know.""

How much does a person need to pay per month for car insurance?

How much does a person need to pay per month for car insurance?

Can I teach Yoga in the U.S without buying insurance for my students?

I have been teaching Yoga for 10 yrs, I recently moved to the U.S and planning to start a studio.Any help is greatly appreciated.""

Car insurance question?

My fiances insurance is OUTRAGEOUS on a truck he has liability only on ..due to his driving history. He's paying $300 a month (for liability ONLY now) ..my insurance on my car, for full coverage is not even a fraction of that a month, even though my cars value is at least $10,000 more than his. My question is can we put his truck in my name and I'll go to an insurance company and get liability only on and list myself as the only driver. We are expecting a baby and I'm sick of us throwing away that much money a month for CAR INSURANCE! Is this illegal? I mean if I'M the owner and I'VE insured it what can happen if he wrecks or something while driving it and is not listed on my policy? We live in Georgia if that's relevant!""

Classic Car Insurance?

I am 23 years old and I have a '76 Camaro and Im looking to find classic car insurance. I have applied to various places and they say they can not cover me because I am under 25. I have an '06 mustang I drive for daily use and my current insurance on that does not have special classic car insurance. I do not want to pay over $40 a month for a car I will drive maybe once a week if even that. I am trying to restore it so sometimes I will not be driving it for months at a time. Does anyone know of a good classic/ antique car insurance that will cover someone under 25 years of age? Thank you!

How much do you pay for car insurance?

I pay $525/month. Reason? I like playing bumper cars with real cars. Everytime it goes down, pow right in the kisser, pow right in the kisser, pow right in the kisser, pow right in the kisser, pow right in the kisser, pow right in the kisser""

Whys my insurance suddenly so high?

right ive just turned 17 and yes i know blah blah blah but what ive been doing is on gocompare just looking for possible cars on ebay then checking the insurance to find the cheapest ones. now iv managed to go from over three grand to cars which were about 1800 but then today every single car iv check was over 3k even cars yesterday quoted 1800 i also noticed that elephant and admiral used to be the cheapest by thousands but now they dont cover me and when i went to admiral direct they quoted 4k i havent changed any details any ideas why this is :)

Average monthly car insurance in Vegas?

I'm loking at getting a 2001 bmw 325i. (no my parents arent buying this for me. its my money that i earned at work). I'm an 18 year old male. If you could give me a general idea of how much id be paying monthly that would be GREAT. I do vote people as best answer so if i like your answer ill give you 10 points :)

Am I getting ripped off for car insurance?

Got my car insurance bill. I'm on a family plan with my mom and my sister. We did it because we were told it would save money. I'm in my late 20's, drive an older car(a ...show more""

Who pays $200.00 for car insurance?

I just got a Nationwide quote for car insurance and it was over $200.00 for the monthly payments. Im just now getting my own car/car insurance(in my name), Im a female in my mid-twenties, had my first two speeding tickets last year. Plan on getting a 2007 Pontiac G6, and I will be driving it to work and school. is $200.00 a normal monthly amount to be paid for me?""

Should I sue my parents...?

When I was 4 years old I was in a car accident and my parents had a settlement with the drunk drivers insurance and recieved 100,000 dollars for me. At such a young age I didnt really know what was going on and they told me that it had to be put up till I was 18 and I couldnt have it. Well that money is no longer there and I am now 20. As I grew up they told me that it all just went to lawyer fees but obviously I am old enough now to know better. I found out from other family members that they just blew it. I am now married and have three month old baby and I could have used that money to help get a house for us or help with the financial problems that come with being a new parent or newlywed. Should I sue them to get what was mine to begin with and if so how do I go about it and what are the chances that I will win?""

Are insurance policies safe...?

I have a life insurance policy on myself that will hopefully take care of a minor. How safe is it now?

How does car insurance work for a student learner?

I'm 21 years old and I just got a permit to learn driving in the state of Illinois. I do not live with my parents, I live with my aunt and uncle who have a car and have auto insurance. How does auto insurance work for someone in my situation? The car I'll be using to practice is not of my parents, and I myself have no auto insurance (I don't own a car or have a DL, obviously) Is auto insurance attached to the car and not the person? Suppose I'm driving a car which has auto insurance of my aunt and uncle, is the car still covered by the insurance? When I take the drivers test using a car that belongs to my aunt/uncle, they will obviously not be present in the car. Will I need to have car insurance at that point to be able to take the exam?""

Car insurance for 16 year old?

4WD jeep wrangler 1995 16 year old female I'd like to know the geico price preferably but if you can tell me what it would cost around it'd be great!

Thinking Of Insurance For A Car Even Know Im 15.?

Hi There For Ages Now i have been looking for an insurance site that does not have an age restrictor on it Because i am thinking of my first car. I Know quite abit to do with insurance im not a noob e.g ( I Will not be insured on a Nissan Skyline Lol ) Anyway .. I Was just wonderin if any 1 had any sites they would just giv out a price and not ask for your age. I Want my first car to be aither: A Citroen Saxo 1.2 or 1.0L , A Vaxhaul Corsa B Or C 1.2 Or 1.4L Or A Pugeote 106 1.2 , or 1,4 < This 1 I really want The 1.4 Engine. If There Is no such insurance site without an age restrictor Could somebody tell me what price it would be for the 106 1.4 L As A New Driver Please . Thanks And Hope You Answer. :)""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Cheapest Car Insurance Companies For A 17 Year Old Boy?

i got given a quote for 1307 for a 1.1L Peugeot 206 2004. that is for when i get my full license , is that a reasonable price??""

Auto Insurance in Ohio?

I'm going to be getting my license soon. Do I need auto insurance if I'll be driving one of my parents cars that already has insurance, or do I just need it if I have my own car?""

What is a good and cheep health insurance?

i only need it for a month i'm 19 years old and in good health. oh i live in florid

Insurance Quotes vs Age Gender Income Etc?

Hi, Currently Insured through State Farm and paying $250.00 a month for Full Coverage. Im 20yrs old. I have a 2006 Chevy Silverado 2500 hd 4wd , making 40k-50k a year. Insurance is a little too much... Am i over paying?""

""When you buy a used car, are the licence plates previously on the car the new owners? And about insurance:?

how does someone legally test drive a car if they had no previous car or insurance and also how do they drive it from the dealership to their home?

How much car insurance a month for a 16 year old?

I live in the state of Louisiana. My family has Progressive. I plan on driving soon.

Car Insurance Online Chat?

Does anyone know if there is a car insurance company that offers online chat with a representative? If so, which one? A lot of the ones I am looking at ask for all of your information and if when I call others they put you on hold for a long time!""

""What agency will investigate fraud, abuse or illegal activity in government medical insurance programs?

And how will the Judicial system be made affordable for persons who are living in poverty?

Car insurance after drink driving ban.?

hi, i was banned for 18month for drink driving when i was 16 ( i know very stupid) i am now 25 years old soon to pass my test how high will my car insurance be what would be the best, cheapest car for insurance, please constructive answers I know drink driving is VERY BAD i was 16 and very stupid, thanks for any answers.""

Does anybody know cheap autoinsurance company????

Does anybody know cheap autoinsurance company????

Is there a place I can get affordable life insurance?

Is there a place I can get affordable life insurance?

How do you get insurance?

How do you the following insurance Health insurance dental insurance homeowner insurance car insurance life insurance I know health insurance, dental insurance, and life insurance you can get as benefits from your employer. How do you get car insurance and home owners insurance. How much does health insurance pay for if you had to go to the hospital. Do you get medical bills from the hospital for you to pay how much you have to after your insurance pays for most of it.""

""Am I required to add my 16 year old student driver to my auto insurance policy, we live in Illinois.?""

As the student drivers parent, is my current auto insurance coverage in effect and still valid (for me and my 16 yr old) when my 16 year old student driver is driving my vehicle (supervised driving\practice), even though I have not added them as a driver on my auto insurance policy. We live in Illinois. After the student driver receives their official drivers license am I required to add them as a driver to my auto ins policy, or am I and this new driver still covered by my policy because I have given them permission to operate my vehicle?""

Does state farm have good life insurance?

Does state farm have good life insurance?

Best/cheapest car insurance for new 20-something year old New York driver?

20-something New York driver - I need car insurance. If I get insured here, it's bound to be THOUSANDS (probably around 5) :( Who do you suggest I go with? How's esurance?""

Will my car insurance be affected? Please help?

My friend crashed my car and she got charged with DUI, my car is totalled. I was in the passenger seat, but not driving. What will happen to my car insurance?""

Auto Insurance in Indiana?

I have had Progressive for many years and no claims.We do deserve cheaper rates because of our age and driving record and low mileage. I recieved a much lower quote from Indiana Farmers Mutal Insurance. I have a 2000 Tahoe that is like right off the show room floor and I understand most companies are allowed to relace parts from a junk yard or for much lower than would it would cost unless it is under 2 years old. Has anyone placed a claim with either of these companies and what was your satisfaction? Because of the condition of our Tahoe, which is perfect and just over 30 thousand miles and a limited edition, who has ideas on the best auto insurance out here in Indiana?""

What kind of insurance coverage should Geraldo and Marina have for their family?

Geraldo works full-time to take care of his family. His wife, Marina, stays home to take care of their two young children. What kind of insurance coverage should Geraldo and Marina have for their family? Explain why.""

I got a ticket which doesn't put points on my license. Could it affect my insurance rates?

I was a passenger in my friend's car when he was ticketed for having an open container of alcohol in the backseat. This occurred in Illinois, and the text of the relevant law is at the bottom. He was ticketed for violating section A; I was ticketed for section B. I confirmed with the very nice lady at the DMV that no points will be placed on my license since I was the passenger, but she was unsure as to what kind of report will be sent to the Secretary of State's office to be added to my driving record. So, here's my question: since I'm not getting any points for this, is it likely to affect my insurance rates? I can see both possibilities - on the non-affect side, it's a non-moving violation, but on the yes-affect side, it involves alcohol (albeit peripherally in my specific situation). If the consensus is that it will make my rates go up, I am going to try to get court supervision. If not, I'll try to save the extra money that would cost. Sec. 11-502. Transportation or possession of alcoholic liquor in a motor vehicle. (a) Except as provided in paragraph (c), no driver may transport, carry, possess or have any alcoholic liquor within the passenger area of any motor vehicle upon a highway in this State except in the original container and with the seal unbroken. (b) Except as provided in paragraph (c), no passenger may carry, possess or have any alcoholic liquor within any passenger area of any motor vehicle upon a highway in this State except in the original container and with the seal unbroken.""

How much Is car insurance for a 21 year old in the uk?

I cant drive yet but have a provisional. my friend has been driving for 3 years. We are both 21. He will teach me and said I would have to get insurance on his car for 6 months. Does anybody no how much this will cost a month. He drives a vauxhall corsa. Full Stars 4 best answer

What would my insurance cost?

If i am a not yet insurednew driver and already got in a accident under someone else's insurance what would it cost for insurance roughly if i was to apply for some

What would be the best car insurance company to go to?

What would be a great car insurance company to go to? I am an 18 year old, male, just got employed and now I'm looking to get car insurance for an '87 Chevy Blazer. Any suggestions?""

Car insurance coverage?

Will the insurance of a driver pay off for a non family member's vehicle that was totaled if he has total coverage for his vehicles? The vehicle that was crashes has a lien against it & only has liability insurance. However, the driver that wrecked has total coverage for both of his vehicles. He has USAA insurance which looks like good insurance? There is GAP insurance on the wrecked vehicle. My question, how do I get the ball rolling on this? I live in Oklahoma, the truck is sitting at a savage yard in Killeen, TX , the primary driver (a soldier) is in a military camp in Virginia, the soldier that wrecked the vehicle is living in Killeen, TX. I signed for the loan, my name is on the title. I haven't ever driven this vehicle. The salvage yard said they sent registered letters to the Oklahoma motor vehicle department. This sounds like it could take months and months to settle. Meanwhile, I need the primary driver to continue make the payments. They are not agreeing on who shuld""

How expensive is it likely to be for a 17 year old to get caravan insurance?

I have obtained my licence e.t.c for caravan towing and was wandering if you knew how much it would cost me to get insured on a caravan?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

https://www.linkedin.com/pulse/can-i-sue-my-car-insurance-broker-brian-turk"

[fernandoricher-blog]

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