#pay is great though i usually make 500-1000 a month but

[sanjisblackasswife]

id love to open back up commissions…..

but when i tell u i grown to not like doing em😭

[rapperkookz]

charity date auction | f2l!jk | fluff, smut if you SQUINT

A/N day ___ of quarantine and i’m going insane

genre: fluff, crack, slight smut if you SQUINT

summary: Beta Tau Sigma was hosting their annual charity date auction for their philanthropy. In previous years, you just attended for fun and to see how many university girls were actually willing to spend their money just to go out on one date with one of the fraternity members. This year’s something different, especially when Jungkook’s on the lineup to get auctioned off.

word count: 4.3k ______________________________________________________________

Your POV

Ah the spring semester. The time when most events and end-of-the-year festivities happen. It was your favorite time. And this was no exception.

“Hey y/n, don’t just stand there laughing, this is a serious meeting we’re having right now.” Hoseok complained pointing his finger at you accusingly as you tried to hide your chuckles in. You leaned against Jungkook’s side, crossing your arms as you responded, “First of all, oppa, I’m sitting. And I’m sorry! This is my favorite event of yours, watching the girls - and guys! - fight over you idiots and actually pay money just to spend time with you all! It’s a great time, ah if only my Sisters and I could do something as dumb as this.”

“Call us dumb all you want kiddo, it gets us over $2000 in philanthropy,” Namjoon shrugged giving you a lighthearted mocking face. You shut your mouth, a little pout remaining on your lips as you turned your attention back to the show that you and Jungkook were watching. He grinned and poked your head with one hand, his opposite arm easily going around and framing your shoulders. “what?”

“Nothing, you’re just funny. Hopefully you won’t make fun of me when I’m getting auctioned.”

“Wait, what?”

“I’m part of the lineup this year,” He said simply, scanning your face for a reaction. “That’s...okay right?”

You tried to hide your shock with a little smile, “N-no yeah that’s fine, I mean we’re not dating, Kook. You can do whatever you want,” Even as the words left your mouth, you felt your chest tightening in discomfort, finding it harder to smile genuinely at him. Jungkook mumbled a quiet ‘yeah’ and watched the show again, but the air surrounding you both suddenly turned awkward.

“Hey, with Kookie in the lineup this year, we might double profits!” Jimin said excitedly from the table where he sat with the rest of the boys. Taehyung nodded in agreement, “Even with Yoongi hyung out, Jungkook will probably get us at least $700,”

“You’re not doing the auction, Yoongi oppa?” You asked the older boy timidly. He looked at you with a soft smile, eyes reading your expression as if you were an open book. He shook his head, “No need to out of respect for my guy. We don’t do the auction if we’re in relationships.”

You nodded in acknowledgement, that made sense. Yoongi just started dating this guy a couple months ago and you’ve never see him happier ever since. You lingered on the last part of his comment, so...if you and Jungkook were dating, he wouldn’t be in the auction?

Ah but that was the thing though, you and him weren’t dating. It’s...complicated. You like Jungkook and he likes you back. That you both have established, hence the ease and touchiness that you and him already share. But after a drunk hookup with him and both of you struggling with the actual concept of settling down and commitment - even though that is basically what you both were doing already as of recent - it was just a friendship with a mutual romantic attraction that has no defined labels. Yet, neither of you seek anyone else and you both spend every waking day together when not in class or preoccupied with other activities.

“I uh, I need to go back to the house. I’ll see you guys tomorrow at the auction.” You said standing up rather abruptly, “I’m gonna get my bag from your room, Kook.” 

He nodded and stood up soon after, heading towards the table where the rest of his brothers sat. Seokjin patted his back,  “When are you and y/n going to make it official, huh?”

“It literally kills me watching you both,” Yoongi deadpanned in agreement. Jungkook sighed, running his hands through his hair as he leaned against the kitchen island. “I want to be with y/n, believe me. We’ve both talked about it too, I don’t know...just, commitment? We both got out of messy breakups and I don’t know if we’re ready for it yet.”

“Not ready? You two literally act like you’ve been dating for the past two months.” Jimin scoffed. Namjoon nodded, “Besides, she looked upset about the auction thing. You weren’t too keen on doing it either when we brought the event up at chapter.”

“I know,” Jungkook muttered, “give me a sec, hyungs. I’m gonna go talk to her before she leaves.” 

~ ~ ~ ~ ~

You pursed your lips as you packed up your books from Jungkook’s room. Why was this bothering you so much? Dumb question, you knew why this was bugging you, someone else is literally going to go on a date with your boyfriend - not...boyfriend. Fuck!

“Ugh!”

“y/n?” Jungkook said softly, knocking on the door as he opened it. You whipped around surprised, hitting your backpack which fell off his bed. “h-hey, Kook.”

He grinned at your clumsiness, his eyes turning into crescent moons as he closed the door behind him. “You alright?”

“I’m fine, I just have to, you know, go back to the house and do some stuff.” You said, your voice getting quieter as you went on. Picking up your bag, you put your laptop inside and zipped it up before sitting down at the side of the bed. Jungkook sat next to you as if on instinct. “y/n, I don’t have to do the auction, you know? Not if you’re uncomfortable with it.”

“Kook, who am I to stop you from that, though? And I mean, it’ll give your fraternity some good money too, I don’t have any right to keep you from participating.” You said, focus completely on your hands which were placed tightly in your lap. He sighed and grabbed one of your hands, lightly playing with your fingers which were hiding in the sleeve of his sweater. “You have every right, you’re...y/n.” 

“I am y/n,” You said with a small smile, but you knew what he meant. “Go through with it, Kook. I’m not that selfish especially when you know...we’re not even together.”

“Yeah,” He said interlocking your fingers, “I’ll see you tomorrow?”

You nodded, rubbing the back of his hand with your thumb. He smiled and pressed a kiss to your cheek, that’s how you always said goodbye. 

~ ~ ~ ~ ~

“-sold! To that lovely lady for $500!” Yoongi said excitedly, watching Namjoon walk to the girl who won him with a rose in his hand, giving it to the girl who was fully charmed by him already. You stood with Taehyung and his date, who - conveniently - was one of your sisters that has had a crush on him for what seemed like ages.

“Look at Namjoon hyung’s smile,” Taehyung snickered hitting you on the arm in amusement. You turned around to face him and your sister, covering your mouth with one hand, afraid your laugh was going to be heard by the rest of the people in the venue, “You guys are such dorks, stop making me laugh!” 

Your sister placed her hands on your shoulders and spun you around, “it’s Jungkook’s turn.” All of a sudden, your insides ran cold and you couldn’t find it in you to breathe, whether it be because you’re dreading this or because of how amazing Jungkook looked, you didn’t know. He was wearing his usual monochromatic look, a large white tee tucked into black jeans which emphasized his thighs and made you salivate and his hair was its usual fluffy brown mess parted down the middle. 

“Next up we have Jungkook! He’s a comp-sci major with a photography minor. This year, he’s our fraternity’s social media chair and vice president of records. Probably our most talented brother, he can do literally anything, and he can serenade you to sleep.” Yoongi said with a wink at the end, “Do we have $20?”

A swarm of hands shot up from the crowd making Yoongi chuckle, “Ah I crack myself up, $30...$50-”

“I bid $100.” 

Your eyes shot to the girl who just stood up, and to your horror it was none other than Lee Yuna. She was in another sorority on campus, and she was annoyingly pretty. You and her were good friends, you know, until she homewrecked your last relationship.

“Isn’t that-”

“$150.”

The words left your mouth before you could process anything, the attention of the room now on you as you let the price slip. You heard Taehyung try to hide his laughter from behind you, as Yoongi started ushering you up to the stage.

“$150 going once, going twice-”

“$300,” Yuna said her eyes narrowing at your form. You bit your lip in annoyance, walking up the stairs. You huffed out a breath, taking a glance at Yoongi as you answered, “$400.”

“$600.”

“$750.” You said with finality. There was no way that she would say anything higher than that. I mean, you guys are college students, this auction could easily apply to your student loans. “$800.”

“That’s Lee Yuna with $800, you gonna raise it y/n?” You crossed your arms, having an inner battle between yourself as you rested your weight on your leg, “$1000.”

“$1000!” Yoongi shouted, “Going once, going twice.”

“Fuck whatever, my parents will never give me $1000 without an explanation.” Yuna said leaving the stage agitated.

“And that’s $1000 sold to l/n y/n!” Yoongi said excitedly as the venue started clapping. You let out a sound of embarrassment, messing with your braids, as you started descending the stairs. You refused to look anyone in the eye, especially not the boys, and God forbid, Jungkook.

“Ah!” You shrieked in surprise as you felt arms circle around your waist, pulling you along to the side of the room. Thankfully the attention of the crowd was back to the front as Seokjin took the stage for his turn in the bidding. “Kook, don’t say it.”

“Hey, c’mon. Look at me y/n.” Jungkook said chuckling. He lifted the rose and put it at your eye level, which was trained to the floor. You couldn’t help the smile that graced your face as you took the rose in your hand, lifting your head up a little to get a better look at it, but still refusing to meet his eye. Jungkook mumbled something under his breath that you couldn’t quite catch besides ‘so stubborn’ before cupping your cheeks in between his hands and forcing you to look at him.

Damn his sparkling brown eyes. God his eyes that literally look like they hold the entire solar system in them. You felt your resolve melting, your cheeks tinging pink at how adoringly he looked at you. “What Kook?” 

“Nothing,” he smiled. His focus moved from your eyes down to your lips, darting back up as if to ask for your permission. You grinned and puckered your lips in the slightest, your eyes fluttering closed as he finally closed the distance and kissed you.

It was short, but it still conveyed a mirage of emotions that somehow managed to overwhelm you. Neither of you were huge on public displays of affection, especially when your relationship had no defined labels. You pulled away first after the brief intimate moment, offering him a smile as you grabbed his hand and began leading him towards the back where you previously stood with Taehyung and your sister.

You could literally see the cockiness radiating from Taehyung as he held out his hand for Jungkook to complete their brother shake. The older boy nudged your side, “Didn’t know you were ballin with money, y/n. You should participate in the bidding more often.” Rolling your eyes, you were about to roast the living life out of Taehyung before Jungkook squeezed your hand.

“Cut it out, hyung.” The boy said lightheartedly, a small chuckled radiating from his chest. You and Jungkook met eyes once more, his expression softening even more - if that was possible - as he framed his arms around your body. You snuggled your back against his warmth upon instinct, feeling content in his embrace as the group of you watched the rest of the auction.

~ ~ ~ ~ ~

You said goodbye to your sister as the boys were cleaning up the venue. It was a bit of a given that you were going back to the fraternity house, especially in these circumstances. You were cleaning up the tables with Hoseok as you watched Taehyung and your sister say their goodbyes. She looked as giddy as you’ve ever seen her, and from the way Taehyung was shyly rubbing the back of his neck, there was a potential new romance brewing in the air.

“We’re gonna move the platform back to Student Activities, we’ll see you guys at the house?” Jungkook asked standing with Jimin and Seokjin, his eyes, though, were trained on you at his question. You nodded in response, the other boys mumbling on in agreement as they hurried their cleaning tasks.

The remaining five of you leisurely hung around the common area of the fraternity house after changing into something more comfortable, waiting for the three to come back. You were minding your own business in the kitchen, drinking some juice as you scrolled through your tiktok feed on your phone.

“So,” Yoongi said hopping on the counter, “$1000 for Kook, huh?”

You sighed and put your phone down, sipping on your glass as you faced the older boy. Yoongi was like an older brother to you, more than the other guys. He gave you all your talks about Jungkook and this was no different. “I know what you’re going to say, oppa.”

“No, I’m not helping you pay for the money you promised our chapter.” He rolled his eyes. You laughed and threw your scrunchie at him, “No! You’re so annoying. You were gonna talk to me about Jungkook.”

“My question never changes, kiddo.” He said simply, giving you your hair tie back. “Why aren’t you official?”

“Yeah, why aren’t you official?” Hoseok said curious from the other room. You and Yoongi turned your heads to see the others listening intently in your conversation. Yoongi hopped off the counter and patted your shoulder, leading the both of you into the common area. You sat down on the arm of the single seat, facing the boys as you rested your elbows on your lap, your face being propped up by your hands. “I don’t know guys, I wanna be with Jungkook more than anything, I don’t know if he’s ready yet though or if I’m ready-”

“My God, all I know is that I’m ready to smack both of you upside your heads,” Namjoon shook his head. “y/n, it literally pains me and all of us watching you both pine for each other.”

“We-we don’t pine for each other...” You mumbled your voice trailing off as you tried to deny his statement.

Hoseok laughed, “Oh please, it’s all in the eyes y/n.”

“Besides, you’re literally wearing his shirt. He doesn’t even let us borrow his clothes,” Taehyung added making you curl your body in closer to itself.

Your lips formed a pout, trying to come up with a smart reply to the boys, but to no surprise you couldn’t figure one out. “I’ll...I don’t know, I’ll talk to Kook. We’re gonna have to I mean, I literally paid $1000 for a date with him.”

The others burst out laughing as if they forgot the highlight of the night. Your cheeks warmed up in embarrassment as Yoongi started hitting your leg, fully amused. 

“Where are you even gonna get $1000?” Taehyung laughed, “I’ve seen your bank account y/n,”

“Stop! Oppa, I have a...savings...account somewhere.” You whined crossing your arms. The guys lived to tease you, they say it’s all love, but personally you think it’s because you’re an easy target. Either way, you let it slide, their jokes were pretty funny anyway. 

Namjoon cleared his throat after the room calmed down from their outburst. “You know, y/n, you must have been aware of this, but you could have just gotten Jungkook for free.”

“Matter of fact, you already have his heart for free,” Yoongi agreed, his sharp hearing picking up the click of the knob as the front door opened. In an instant, the remaining three boys walked inside the fraternity house, looking relieved to finally be back in their home. Chatter started to spark up once more as the boys were now complete. Your attention was focused on Jungkook as he lagged into the common room from the kitchen, drinking from a bottle of water that he retrieved from the fridge. He gravitated to your side while listening to the conversation of his brothers, his hand easily taking its place on your waist. 

He squeezed your skin as if saying hello, making you wiggle against his body as you let out a laugh. Jungkook looked at you fondly, noticing that you were wearing one of his shirts and wow did you manage to pull it off, even if you were only wearing his white tee and a pair of your athletic shorts. After a couple minutes, the group of you dispersed into doing your own separate things, you and Jungkook already making yourselves comfortable in his room.

He grabbed a towel and informed you that he was going to take a quick shower. You nodded and leaned against his headboard, passing the time efficiently by scrolling through tiktoks. Soon enough, Jungkook was strolling back inside his room, rubbing his hair dry as he hummed a little song. You narrowed your eyes at him as he innocently looked at you with a smile, “What?”

“You’re trying to seduce me, aren’t you?” You said shamelessly checking out his half-naked form. He only wore his grey sweatpants with you when he wanted something. He smirked mischievously, “It’s working, isn’t it?”

“Shut up,” You said throwing one of his pillows at him. He laughed, swiftly dodging your attack as he focused on drying his hair. You put your phone down on his bedside table, trying to figure out the right moment to start speaking. “You know, Kook-”

“Wait, I just wanna say first that I’m not gonna make you pay $1000 or force you to go out on a date with me. I can help you pay the money if my hyungs are really pressing for it because it does go towards our chapter.” He said sitting on the side of his bed adjacent to you. “What did you wanna say?”

You suddenly started to feel shy, your thoughts all clumping together as you fumbled with what to say first. “Uh...about tonight,” God your palms were sweaty. You and Jungkook have had this talk numerous times, yet it still made you nervous every time it was brought up. It was probably your fear of rejection, even though all signs pointed to the complete opposite of that. “I, um, I know that even yesterday, I was laughing about this auction and about the girls and guys bidding and honestly you probably think I’m stupid by what happened tonight-”

“Not at all,” Jungkook said putting his hand on your thigh for comfort. Your body temperature started to rise upon the contact of his warm hand on your bare thigh. You know he meant nothing sexual by it, but the way he looked delicious in his sweats betrayed you and the fact that you haven’t been laid in a month wasn’t helping either. Shaking your head to remove the dirty thoughts, you sighed and bit your lip, “I really wasn’t gonna bid tonight, like I was going to let them fight over you because I know where our feelings stand, but when I saw Yuna stand up I just...God I don’t know.”

The corners of his lips started to curl up in a little smirk, scooching on closer to you as he put his arm around your figure, his other hand still on your thigh. “You felt a little jealous?” 

You could hear the smugness in his tone, but you couldn’t even deny it at this point. “I wanted to push her off the fucking platform.”

“I’m not gonna lie,” he said ghosting his lips against your neck. You shivered, the warm feeling of his breath making your body react almost immediately. Craning your neck so that he could get better access, you bit back a moan as he kissed at your sensitive spot, “you looked pretty sexy when you were fighting her.”

You scoffed, but let out a gasp as he pulled your hair to the side, biting your neck to make sure to leave a mark. “Jungkook, wait.”

In an instant, all his administrations stopped, respecting your words. You turned around in his hold, moving your legs to either side of his thighs, straddling the boy’s lap. His hands instantly found your waist, moving underneath his shirt to find access to your skin. You met his eyes, which held curiosity and concern. You gave a soft smile, moving one of your hands to play with his lightly damp hair. “Jungkook, I don’t want to be confused about our relationship anymore.” 

“Me neither.”

“I don’t want to feel jealous over girls that throw themselves at you. I don’t want to have to think twice about hugging you in public or holding your hand or kissing you. Kook, I want to be yours and have everyone else know it too. I wanna be able to call you my boyfriend.” You said letting it all go. “I know we both got out of traumatic breakups and like honestly thinking about being in a relationship and the possibility of getting broken like that again is scaring me even right now, like I don’t know what I’m saying I might talk myself out of this, fuck I don’t know-”

Jungkook leaned in and pressed your lips together, shutting you up effectively. You relaxed in the kiss, all feelings of anxiety that you brought up disappearing in an instant. Wrapping your arms around his neck, he made a sound of approval and pulled you flush against his chest. You whimpered at the feeling of his hardening bulge against your ass, moving your bottom back and forth to feel some friction. He groaned into your mouth and ground his hips up into yours, his bulge making contact with your core making you whine in pleasure.

Unwillingly, Jungkook pulled away before you both were too far gone, the grip he had on your waist tightening in sexual frustration. “Sorry, you were just really cute rambling, I couldn’t help myself.”

You were already breathing hard from the kiss, your hormones were starting to go haywire at all these interruptions, “Kook, I know we’re both hesitant about starting a new relationship, but I know that if it’s with you, I know that I wanna try.”

“Me too,” he agreed his expression switching from lustful to soft. His duality amazed you. “Can I finally call you my girlfriend now, y/n?”

You giggled and kissed his nose, the smile radiant on your face, “yes please.”

He laughed and flipped you both over so that he was topping you. He tickled your sides affectionately, his laughs raising in pitch as you squealed at his attack. “Now, my dick is hard and you’ve been turning me on since the auction, can I please fuck you? it’s been so long.”

You could already feel his hands grope the side of your breast. Instead of responding with words, you snuck your hand between the two of you and squeezed at his bulge, the man above you groaning in pleasure. Bless his grey sweatpants. It always had to do with his grey sweats.

~ ~ ~ ~ ~

The next morning, Jungkook never seemed to leave your side. Even as you were making coffee for the whole house, you found it rather endearing than clingy. You don’t know if the boys caught on yet, they probably should have by now.

“God you two are insatiable rabbits,” Yoongi groaned seeing you and Jungkook in the kitchen. He shot a pointed look at your boyfriend, “What the fuck did you take for you to go at it all night? Viagra? Ecstasy? Poppers?”

“Shut up hyung,” Jungkook said trying to hide the blush from his face by burying it in your neck. You patted his arm, “it’s okay, Kook.”

“Babe, he’s being mean to me.”

“Hold on. Babe?” Yoongi asked before slowly clapping his hands. “Thank fucking God finally!”

“Are they finally together?” Jimin yawned from the common area, the boys starting to fill the space in. You and Jungkook shared a look before he spoke to all his brothers.

“Not that we were really obligated to tell you guys, but yeah y/n and I are dating now.” Jungkook grinned hugging you tightly from behind. 

“Damn, it really took $1000 for you both to define the relationship,” Seokjin cackled as you glared at him. “It wasn’t just because of that, oppa please!”

“Well, guess that explains why they were fucking all night.” Namjoon said as Taehyung and Hoseok nodded in agreement.

“You still have to pay, y/n sorry.” Hoseok shrugged making you whine.

“I can’t believe you paid $1000 to go on a date with your boyfriend,” Taehyung snorted, the rest of the boys bursting out in laughter at the seemingly stupid fact, even your dumbass boyfriend was laughing too. You elbowed Jungkook’s stomach, groaning at the sad reality your wallet was about to face.

“I can’t believe I have to pay to go out with you,” You rolled your eyes. Jungkook smiled cheekily and wrapped his arms around you in a tight hug. He kissed your lips briefly, as if that would fix everything. Jungkook met your eyes with a flirty wink, “I’ll make sure it’s the best fucking date ever, babe. Don’t worry.” ______________________________________________________________

A/N Wow I finally finished this. Fun fact, I was inspired by an episode of Full House for this, but wow I’ve been craving on posting something for literally the longest time. I also have an exam in 5 hours and it’s 4:30 am right now ah ha ha but ~quAranTiNe VibEZ~ I hope you’re all staying safe and healthy everyone <3

[randomisemily]

I wanna rant about getting my driver’s license, but some people might need to know some stuff beforehand, so here you go:

- In Belgium, you have to take a written test on basic knowledge of traffic (rules & signs), passing that test allows you to request for a permit 

- There are two different permits: 1) 36 months: allows you to drive, but not by yourself. 2) 18 months: allows you to drive by yourself. Though, in both cases, you have to take lessons beforehand. 

-You can get your license at the age of 18 

- the driver’s test includes a “risk perception” test (you have to watch a few videos and determine who’s on the road and who’s a risk etc) + also, of course, a test on the road, including a few parking skills

- Additonally, I’d like to mention that the laws concerning learning how to drive and permits etc have changed A LOT the last few years, so if sometimes my rant is confusing, IT IS FOR ME AS WELL

- Every 2 times you fail an exam, you have to take 6 hours of lessons before you are allowed to take the exam again. 

ALRIGHT LETS GET STARTED

So when I was 18, I personally felt like I wasn’t ready to get my license yet. I wasn’t all that interested anyway and because I had friends who could drive, an older brother,... I was happy not driving. It didn’t bother me that much, and when Iook back at that time, I might even add that I might’ve been scared to drive. 

I felt like my life wasn’t too difficult without a license, though I lived in a rural area, I had easy access to busses and, mostly, trains. I also pretty much biked everywhere, and I didn’t mind that much.  

When I was 19, I started dating my fiancé, who had a license and took me everywhere. Some might think he was enabling, but in our case, I think he was just happy to do it. He was patient with me and when I was almost 21, I took the written test and passed. 

See, after that, I’m fuzzy on the details because I’m 28 now. So time has PASSED. But at that time I did decide to get a 36 month license. The reason was mostly financial: for a 18 month license, you have to take more lessons, and the lessons are expensive. (to drive alone, you have to take 20 hours of lessons, which as roughly 1500 euros). BUT for the 36 month permit, it’s only required to take 6 hours, which is rougly 500 euros. Considering the fact I had to pay that myself, I felt like I couldn’t afford the extra 1000 euros. I think, the other reason was that I was scared to drive by myself - maybe even scared to drive at all.

The permit I chose, requires you to get a mentor. Usually, it’s a family member, in my case, it was my dad. I thought it would be a good choice because my dad knows how to drive a truck and has tons of experience. He’s also calm and I thought he’d be good at giving instructions. 

That worked out a little different. It seemed like my dad was, like myself, a little scared to teach me. So here we were: two people who weren’t going to encourage each other to drive. The addition problem was that my dad’s working a lot, so a lot of times I was tired or he was. Yeah, it’s an excuse, and we knew it. 

One time, when were finally practicing, we were on a private road nearby. We were just starting & stopping, you know, the basics. There was a guy walking his Jack Russell, but without a leash. We weren’t going fast at all, but all of the sudden, the dog ran in front of my car. The dog ran off, over a big field, as fast as it could, and eventually, it ran home. We were shocked, scared and felt bad for the dog. The dog wasn’t injured that badly, but it so happened that we also had a similar dog at the time, so we truly felt for the little scared dog. I am, ‘till this day, though, a little angry with the owner because you don’t let your dog off your leash, that’s just my opinion. 

ANYHOW, after practicing a few months or something, we decided I was ready. I felt ready but both my dad and I were NERVOUS AS SHIT. The examirer was 15 minutes late, which only made it worse. My exam was a nightmare, after 5 minutes on the road, I had to go back. Out of nervousness, I didn’t see an old lady crossing the road. It was a disaster and the memory is still vivid. 

A second attempt came around the corner, and this time, I really thought I was ready. It was closer to the time the permit was going to expire, so I really hoped it would work out this time. Failed. This time, I didn’t use my breaks properly. Apparently, my dad had been teaching me wrong and I didn’t remember from the lessons I took. 

I can’t remember anymore why I failed the third time, but I did. And this time, my permit really was about to expire. After failing this time, I had no choice but to let it expire. 

This SUCKED because, as you might do the math, I was already 25 by then. And by the time I was 25, I did in fact, really need a car and a license. I had just graduated college and I needed a job. Schools in general are usually easily accessible by train, so was mine. Jobs, however, are not. For my internship in my last year of college, for example, I had to bike to the train station, take a train, tranfer to another train, take a bus and then bike again. The internship was great, getting there, however, was a nightmare. 

It also sucked because at the time, there was a rule in place, that dictated that if your permit expires, you can’t request a new one. There was a “waiting period” of 3 years. Yes, three YEARS. There are some exceptions because I can still, possibly, get your license during that time if you re-take your written test and take your driving exam with a professional driving school (the one you use to take lessons). This is, in fact, what I tried to do. The tricky part is that, when you’re not on the road during your “normal” life (work, groceries,...) it’s harder to get back on the horse. It was for me, anyway. I tried to the the exam that way twice. I failed twice. After the second time, I still had a year left in that “waiting period”, so I figured I wouldn’t try anymore and just wait it out. During those three years, I got a job nearby where I could bike to. It was alright. 

After the three years, and 5 exams later, I was fed up and I wanted to pass more than ever. But I knew I needed to do better this time. I took the 20 hours (yes, the lessons kept pilling up and so were the bills) so that I could drive alone and get the 18 month permit. By that time, I was also working full time and had moved out and moved in with my fiancé. So I was READY to be an adult and driving alone also meant that freedom I desperately wanted. 

My reasoning was also the fact that I felt like I didn’t have enough real life experience driving a car before. I didn’t need to do groceries, I was still living at home at the time and, as I mentioned, was always practicing with my dad. This time, not only did I want to drive alone, I needed to. 

A few months before the 18 months ended, I wanted to take the test again. Six times a charm, I thought. This time, my “mentor” wasn’t my dad anymore, it was my fiancé. Mind you, my fiance, lovely as he is, is neurotic and full of anxiety (bless his heart). Yet again, I was confronted by my nerves, and his. And failed the test because of my parking skills (or lack of). Actually, I was too nervous and had a minor anxiety attack while parking. 

The next time, I tried to get back on the horse almost right away and tried to take an exam with, not my boyfriend, but a professional driving instructor (€€€€€€). The seventh time almost worked out. I ALMOST passed, until the last few minutes I made a mistake at a crossroads. I mean, fuck. 

For the eight time, I realized I needed to do the same so I scheduled the exam for March this year. Then, of course, a pandemic came knocking on the door. The exam was cancelled and I felt major relief - though, I did need to pass and I knew it. 

After everything re-opened in May, I sort of procrastinated making an appointment again. I just, I couldn’t. I knew I had to, but I had failed this test 7 times. A driving test. Thinking about it, I mean, I have a bachelors degree. I had good job. I’m engaged. But I didn’t have a driver’s license. And no, I’m not a New Yorker. 

But luckily, when I procastinate, my body doesn’t agree and protests. I was watching a Modern Family episode one night where Haley struggled to get her license and I felt her pain so much. My heart was racing. I got nervous and flustered. And this continued. I was watching anyone driving on tv and I continued having tiny panic attacks. Talk about triggers: people driving. 

Anyway, I finally managed to call to make the apointment (took a lot of energy). I, again, made an appointment with a professional instructor. Though it was more expensive, it was the best approach. My car is old and driving my car to the exam would also mean I’d have to deal with my nervous (and not helping at all) fiancé. I knew I needed a steady and experienced person by my side. 

Yesterday, I took the test and I passed. Eight years and eight tries. 

I thought I would be ecstatic, but I wasn’t. I mean, I was. But honestly, It’s all been hitting me. Slowly. 

I’ve had this extreme fear. Extreme shame. Extreme anxiety for years. Because of that, it’s like, I have to process everything. I mean, everything. For example, I can now drive to my job, no strings attached. I can find a better job, that’s not as nearby. We bought a house to a rural area so it’s hard NOT to drive a car. I used to fear I’d feel locked up in the house as long as I didn’t have my license. Now, I have to process that this won’t be the case anymore and I can experience that freedom. There have been so many small things that I had to adjust to. Also, the shame I experienced. It’s just GONE now. Just simply, GONE. 

But in any case, I’m also super stoked. And the reason I ranted was

1) to express myself and get it off my chest but also

2) if anyone experiences the same thing (or a similar thing) to assure that it happened to me too.  

And for anyone who doesn’t want to ride with me - I totally understand but I took so many classes I consider it an asset. Not only do I know the laws of driving SUPER WELL, I am NEVER going to jeopardize it by driving badly. Because I ain’t planning on losing what I’ve got! 

thank you for reading or scrolling 

[miss606writes]

Emergency Ko-Fi Commissions

I’ll elaborate below, but I need some help. My cat, Midnight, got poisoned somehow in the townhouse complex where we live, and I’ll need some help to pay his bills. Yesterday (Wednesday, 20 November 2019) we had to rush my baby boy to the vet because he was acting incredibly strange and erratic. When we got there, the vet immediately knew it was poison. We had to leave him there overnight, and he’s still there in the cat ICU. He looked better today, though, and the vet said that although Midnight isn’t out of danger just yet, he feels positive that he’ll make a recovery. The thing is... just yesterday and today’s accumulated bills are already at $115. The vet said he’ll have to stay for a minimum of 2 - 3 days longer. They couldn’t give us an estimate of how much the bills would be by then, but if my boyfriend and I had to guess (from past experiences with my sister’s cat) it will probably be around $300. [[IMPORTANT UPDATE (22 November 2019): Our baby is home!!!!! The vet was very understanding and the bill total is only $144.]] I am willing to do anything to help raise the funds for my baby. 

Donations are welcome and deeply appreciated, but discounted commission rates can be found below (my original commission rates can be found here for reference, and examples of my work can be found here):

Writing

For emergency commissions, both fic and prose style is included for the prices below. I’ll be asking $3 for every 500 words.

$5 $3 (1 Ko-Fi) for 500 words 

$10 $6 (2 Ko-Fis) for 1000 words

$9 (3 Ko-Fis) for 1500 words

Poetry

$6 $3 (1 Ko-Fi) for two shorter poems (around 10 lines each)

or

$6 $3 (1 Ko-Fi) for one longer poem (15+ lines)

Written aesthetics

$6 $3 (1 Ko-Fi) for two written aesthetics

Tarot readings

$5 $3 (1 Ko-Fi) for up to 5 cards

$10 $6 (2 Ko-Fis) for up to 9 cards

$15 $9 (3 Ko-Fis) for 10+ spreads

Moodboards and Haiku

My moodboards and haiku prices will stay the same, so $3 (1 Ko-Fi) for one moodboard, and $3 (1 Ko-Fi) for three haiku.

PayPal:  paypal.me/miss606writes

Ko-Fi: https://ko-fi.com/N4N7K6E8

To commission, please email me at miss606writes@gmail.com, or send me a message here on tumblr with your commission request.

I would like to take a moment to just say that nobody should feel forced to donate or commission! Even just a reblog or a prayer would be deeply appreciated. I know how most of us on here struggle to make a living, please don’t harm yourself by overextending yourself!

The full story and three potentially sensitive photos of my baby in the ICU (no blood, but he’s very out of it) below the cut. 

We live in a supposed “pet friendly” townhouse complex. The vet said he suspects it’s insecticide poisoning, and although we do not use anything like that in our own garden, I vaguely remember seeing the complex worker walking around with one of those huge pesticide sprayers a few weeks back, but naively, I didn’t think anything of it at the time. We allow our cats outside during the day, then when it starts to get dark out, we get everyone inside and close the door. It was around 15:00 when Midnight came running in, completely unable to balance and making strange choking sounds. We immediately tried to see if something was lodged in his throat, but when it was evident that he was not choking on something, we rushed him to the vet. This vet is a blessing, he’s known us for years and he’s treated all of our animals, so we trust him and know Midnight is in great, capable hands. He’s had more than 40 years of experience working as a vet. I am worried sick about my baby, as he’s not out of danger yet, but I am hopeful that he’ll recover. He’s a strong and usually very healthy cat of 1 year and 9 months. 

The reason why I had to turn to emergency commissions is because, currently, my boyfriend and I are in a pretty tight financial spot. My boyfriend and I are both full-time students, majoring in Psychology and Criminology, and we haven’t been able to find a job that would work with our schedule. For income we both do editing work for a magazine journalist, and my boyfriend does work for his grandfather. The editing work has been scarce as of late, and my boyfriend’s grandfather has been hospitalized for the past few months, so he hasn’t been able to earn any money. 

I just want my baby to be okay and to come home. Below are three photos I took earlier today when we went to visit him to show my mother how it’s going with him.

[captain-aurinko]

Second Citadel High School AU

So I read @taylor-that-chic’s incredible penumbra high school AU (https://archiveofourown.org/works/21392842/chapters/50963770) and long story short it inspired me to add a billion ideas of my own.

Firstly, the ideas from the fic:

From the fic:

1. Arum is the weird antisocial lizard boy. He has his lizards with him at school and will let you play with them if you ask nicely.

2. Damien is on student council. He holds the record for track in state.

3. Rilla is aggressively on the science team. She has broken into teachers rooms for supplies and won’t apologize for that.

4. Arum is just as fast at Damian but he refuses to play sports

These are all incredibly blessed concepts so of course I had to add my own take. So, some concepts of my own in no particular order:

Teachers have tried searching arum for the lizards. They cannot find them. Next period there will be a lizard on his shoulder in the hallways. It’s one of life’s great mysteries

Damien does archery outside of school but doesn’t tell anyone because he’s anxious people will think he’s weird

Marc is super into the robotics club and shop class. He ran for student counsel on the idea of making the school pay for more disability accommodations. He lost due to a rigged election by his rich opponent who won by promising to give the school a big grant. Undeterred, mark worked with his woodshop class to make wheelchair ramps for every set of steps in the building. He’s incredibly popular in his shop class, but lots of people hate him because he’s a class clown or his reputation was slandered or because he stands up against bullies etc.

Mira is student counsel president

Tal is a good sweet science boy who just wants to be left alone in his earth science class. But nothing is ever easy because he has to help Marc or Rilla with their harebrained schemes. He’s a good boi and a straight A student but if a teacher sees him just nervously standing around, it usually means that he’s standing guard while Rilla and Arum and every so often Marc breaks the rules

The nymphs are the mean giggly girl groups always hunting for gossip and making fun of the characters behind their back.

Pix and her human are alumni

Qwan yi fakes injuries to get out of having to do the pacer and is always eating something in class. She can and will show up pajamas when she doesn’t have the energy to get dressed. She makes a ton of her own clothes and upcycles a bunch. It’s super mismatched but somehow it works for her. She can and will show up in the most revealing clothes you can imagine. Somehow she disappears before she can get dress coded.

Qwan yi carries a pack of tarot cards at all times and like 12 crystals and is always up to read your moonstones for a price, which changes wildly based on her mood. If she knows someone doesn’t have extra cash on them, she’ll ask for their bagged lunch so that they go hungry. For rich kids she asks for 1000 dollars, no more, no less. They always balk at first but they get so curious about why she asks that much they eventually give in. She’s terrifying

Caroline is on the student council and she terrifies people. She wears a leather jacket and combat boots. To this day no one remembers how she got elected. A lot of people accuse her of cheating, but she didn’t. People just voted for the leader that they knew would get results. Superintendents have quaked to see her in their offices, demanding things for her school. Even when she doesn’t get her way, the people who she argued with are never the same.

Qwan yi saw Caroline for the first time and immediately told her she’d read her moonstones at a discount. Only 500 dollars. Caroline didn’t care. Qwan yi spent months trying harder and harder to scam Caroline while Caroline grew more exasperated by the efforts until they both realized that they’d fallen in love. Qwan yi asked for Caroline’s phone number as her price. Caroline agreed. Qwan yi predicted a date in Caroline’s future. Then she texted Caroline, asking her out. No one else understands their relationship but they work

Qwan yi and Rilla were assigned as lab partners. Rilla was interested in her moonstones. Qwan yi jokingly asked for a finger. Rilla was willing but Damien and arum were at the next table over and rushed to stop her. Qwan yi decides that she like Rilla a lot and they’ve been hanging out too much for anyone’s liking. They’re a terrible combination and Caroline Damien and arum all get nervous to see them together

Angelo is the quarterback. He’s also head of the soccer team, baseball team, hockey team, ice hockey team, and wrestling team. He’s a very nice guy involved in community service and is another member of the student counsel, voted there by all of the members of his various sports teams. He is never tired or overwhelmed and is always ready to do more for his friends though he rarely has time to talk for very long unless you’re willing to follow him around from task to task to meeting to meeting. No one has ever seen him come or go from school. It is rumored that he lives there.

He admires Damien immensely because Damien is the only person faster than him, and they spar regularly. Angelo gets on surprisingly well with Caroline but everyone just shrugs and agrees that everyone like Angelo and Angelo likes everyone so maybe it’s to be expected that he is one of three people that Caroline actually grudgingly likes.

damien is head of the poetry club (the only other members are Angelo and Rilla who show up to support him) and he’s a very active voice in all of his English classes. Even the ones where talking is encouraged, implore him to let other students speak instead.

Rilla has been dating Damien since middle school when he helped her collect wild berries from the bushes that grew against the schools back fence. She helped him with his anxiety too, which was way way worse back then, when he was still new to the school. They’ve already exchanged promise rings and everyone agrees that while Rilla can be very very scary if someone stands in the way of science, and that Damien can get a little wordy with his poetry to her beauty, they’re a good match.

A new kid (arum) that had been homeschooled his whole life transferred in and suddenly things changed

Arum was put in damiens gym class the day of the pacer run and Damien was used to winning by at least 30 rounds. But arum could keep up with him perfectly and over the next week, as they did all the various athletic testing, they constantly competed (and flirted) and accidentally fell in love. MEANWHILE

Rilla and arum ended up as biology partners. They constantly argued about what to do and how but by the end they had an incredible project, had learned more about themselves in the process and fell in love

Arum did not know Rilla and Damien were dating btw

Anyway they all felt guilty that they loved someone else so they all met up with the plan to confess their shame to the other two only to have a “wait- so then- does that mean- you too?” Moment and then they all started dating and somehow nothing changed.

Oh of course how could I forget. Arum joins the robotics club with mark and they unleash chaos across the student body

[prorevenge]

My former employer was stiffing me on money. While trying to get what he owed me, I kinda sorta ruined his marriage and probably his whole life.

OK, I don't know that this actually counts as "revenge", because I was honestly just trying to get money I was owed. I wasn't trying to drop a nuclear bomb on the guy's life in the process. That's what ended up happening, though. And I was told that my redditor brothers and sisters here might like this story, so here it is.

Some years back I ended up doing work for this guy I'll call Dick. It was just a side job for extra money, not my career or anything. Dick had a small business, it's boring, I won't get into any of that. Before me he had one other employee so I made two. Just two employees, that's how small a business it was.

The thing was, Dick ran his business like shit. I didn't know the specifics of his financial situation but based on where he lived, the car he drove, etc., he was doing pretty well. Maybe it was inheritance or whatever, I didn't know. But his situation clearly wasn't due to this business, which again, he ran like shit.

In fact, he ran the business like such utter shit that after about six months after I started doing work for him, the business wasn't making money anymore. So instead of regular payments like usual, the other employee and I had to start asking where our money was before it showed up. Then the payments started getting more and more behind. Eventually I was owed around $500.

Then one day the other employee tells me "I'm done. He owes me like 5 grand and I'm not going to keep working for nothing." I was like whoa shit, because I had no idea he was owed that much. The trouble with pay clearly went back farther than I knew.

So Dick ended up coming to me and said "Look, I owe the other guy money and I need to pay him. Do you mind if I get him all paid up, which means I gotta hold off on your pay for a month or two. But once he's paid off I swear I'll make it all up to you." Because I'm a fucking idiot, and because I felt bad about the first employee who was a good dude, I said fine go ahead.

So I didn't get paid at all for a while, which upped my total owed to about $1500. Then eventually I heard from the other employee and he told me Dick finally paid him everything he was owed. Great, I thought, now it's my turn.

LOL.

A few weeks after I heard the other employee was paid up (which I only ever heard from him, never from Dick) Dick told me he was closing the business. Which didn't shock me at all, surely it had been losing money for quite a while. I go "OK, so where's my money?" and I told him exactly how much he owed me. I got back "uh... well... the thing is... I can't pay you now, but...".

This went on for a YEAR. I looked into what my steps were legally but I'd have had to file something in small claims court and it's only $1500, and having to get a lawyer would probably eat up most of it. So I just kept bugging Dick about the money. I was like "Hey, pay me $25 month, I don't care." But he wouldn't even do that. He told me about how he's gotta go through all this stuff to dissolve the business and everything, and he'll pay me he as soon as he can, and overall he just avoided taking any responsibility.

At one point he said something about how people were currently suing him (big shock) and he'd get me in contact with his lawyers if I wanted so my debt could be added in or something. I said "Fine, give me their names/numbers." He never did.

Eventually I realized that nothing was ever going to come of this and I was just gonna be out the money I was owed. But while I'd been doing the work for him, I had e-mailed back and forth with his wife maybe a dozen times. To this day I've never met his wife, never even spoken with her. Just communicated through e-mail and text.

But she seemed really nice and she'd told me something like "Dick won't tell you this, but he doesn't really know what he's doing with this business and I know you've been a big help." So I just got the idea that, you know what, this next e-mail I send Dick about trying to get my money, I'm gonna include his wife on it too. So she knows how much he sucks.

I heard back from her almost right away and she was like "I'm so sorry about this, please keep me posted on what happens." Then suddenly, magically, Dick started talking about working out a payment schedule. He started sending me $100 every month and the debt got down to $1000. I figured his wife must have got on his ass about it and I laughed to myself about how whipped ol' Dick was.

But then the money stopped coming again. The excuses started coming again. One day he told me that he was just going through a hard time financially right now, which I knew was bullshit. He still had the nice car, the nice house, etc. But it's not like I had a printout of his bank records I could call him out on.

On that exact same day he told me that though, I was watching the local pro team's baseball game later that night and who did I see but Dick. In great seats no less, 2nd row right down in front, just off to the right. Every time they zoomed in on a right handed batter, you could clearly see him. And this was in September in the midst of a playoff race so those tickets were not cheap. It's no Perry Mason moment, but the thought of replying to his "I'm having financial trouble" e-mail with a picture of him in those seats and me being like "Yeah, I can see that pffft" gave me a raging justice boner.

So I was looking for a good image of him to use, but every time I paused the video his face got somewhat out of focus. It was clearly him if you watched the video but I needed a still image that was also clearly him. Then in the 7th inning a foul ball got caught about two rows behind him and they zoomed in on that area of the crowd. And there was Dick clear as day, sitting with his wife. I'm thinking aha, I got you now muthafucka.

The next morning I replied to his prior message by sending that screen capture to him. I figured even if I didn't get my money, at least I had that one sweet moment of satisfaction of busting him there.

Then almost at the last second I decided to send it to his wife too, just so she knew what was going on and how the money had stopped again. And remembering how quickly Dick's tune had changed that first time I'd included her, I even thought that maybe her being in the picture would make her light an even hotter fire under his ass this time.

So I sent it but I didn't hear anything back from either of them. Two, three days went by and nothing. Then I heard from the other employee I'd worked with. He goes "You hear about Dick?" I said no, what? "His wife kicked him out and filed for divorce." I'm like ho-ley fuck, no way. "Yeah, apparently she caught him cheating on her."

I thought "Huh, I wonder how... hmm. HMM. You know what would be crazy? What if that wasn't his wife in that picture... and I sent her that picture... and... LOL, no. No way. He was probably talking about the divorce when he mentioned having financial trouble. That would make sense. The divorce was already in the works before the picture. Yeah. There's literally no chance whatsoever that I inadvertently told his wife he was cheating on her. LOL, I mean, come on. Right?"

Nope, that was literally what had happened. The woman at the game with him? Not his wife. Apparently his wife knew the woman though, and knew that Dick had lied about where he was that night and who he was with. And a shit storm of epic proportions quickly followed.

I ended up e-mailing her not long after and being like "Um, hello there, I've been hearing some things and I can't help thinking that picture I sent might have been part of this?" And she said she'd been meaning to contact me, she thanked me, said she'd wanted out of the marriage anyway, and said she might need me as a witness. I didn't know what for, are divorces like trials?

But anyway, she paid me the $1000 he owed me, plus another $500 on top. I don't know if she thought he still owed me $1500 or if she purposely gave me extra. And I didn't have to be a witness for anything, which was good.

Also, Dick's nice car and nice house and all? His wife was the one with the money. Meaning that he no longer has it. They got divorced and he moved away and I have no idea what became of him.

Honestly, considering everything that happened, I feel kinda bad for him. But then I remember there's no reason he couldn't have just paid me. Seriously, why not just pay? He had the money. I just chalk it up to Dick having a lot of negative karma coming his way and I played a part in it catching up with him.

TL;DR: I sent my deadbeat ex-boss (and his wife) a picture of himself in great seats at a sports game to disprove his claim that he had financial problems and that's why he couldn't pay me. He was with a woman who was not his wife. His wife went APE, son.

(source) story by (/u/BartolosSweatSocks)

[koparatnewton09-blog]

Buying a Condo Conversion

Never question the ingenuity of the real estate developer.

Close to 20 years ago, two of my best buddies and I decided to pool our resources after college and get an apartment of our own.

The three of us were barely able to afford a 3 bedroom apartment that was about 10 years old at the time. We paid about $500/mo. in rent. To this day, I am not sure how we could afford that apartment.

The apartment was a dump. The flooring, the kitchen and, especially, the bathrooms were so bad, that my father walked in one day with a horrified look of disgust on his face, and refused to stay. However, that was what my buddies and I called home.

Today, nearly 30 years later I am doing loans for people buying units in that same apartment complex. Today, it's a condo conversion!!

The entire complex has been remodeled, and the units are going for nearly $175,000 a unit.

Pure genius!

You all know about condo conversions and how incredibly hot they are in the market. Low interest rates have driven new home sales through the roof and condos are no exception.

First time home buyers are flocking to get in any way they can. This has actually crippled the apartment business and is driving the biggest condominium conversion boom in 20 years.

Over 12,000 apartment units in Las Vegas are currently mapped for condo conversions. Condo developers are paying a premium to acquire and transform old apartment complexes into condos and they are doing this all across the country, especially Las Vegas and South Florida.

The developers typically search for apartment-to-condo conversions in desirable locations where they won't directly compete with affordable entry- level homes.

They want to offer an affordable alternative to pricier single-family homes or to costlier condos in new developments. 

In many cases, condo conversions provide the perfect entry-level opportunity for renters to become home owners, allowing these new property owners to build equity and realize their homeownership dream.

Transforming apartment buildings into condominiums is quicker and less risky than construction from the ground up. click to find out more kopart at newton show flat

Land prices have gone up so high that many developers cannot afford to build entry-level housing, so this is a great option. Home buyers then benefit because converted units are usually more affordable than new ones, and many are in choice locations. You can find some of these units advertised locally for as low as the $90's.

Conversion developers say they can buy something for one-third of the cost that it would take to buy the vacant land and build something on it.

The beauty for the developer is that the condo conversion isn't going to be selling for one-third of what it would cost brand new. It's more like 75%-85% of it.

The developers usually do a pretty nice job improving the property and the units. Upgrades are usually made to the property's exterior and common areas. Then they add on the sizzle. Granite counter tops, upgraded cabinetry and fixtures, and wood floors are often added to individual units. The upgrades are built into the condo prices.

Once the developer acquires an apartment complex, they generally convince about 10-15% of the existing renters to stay by buying a unit. They will often offer these people discounts before they ever even market to the general public.

The obvious key to selling these units to your clients is to convince buyers that they are better off owning versus renting or to get your more timid investors to jump in with less financial risk.

People have a desire to own a home. There are very few who want to rent and low interest rates have provided this opportunity.

Condo conversions create more affordable housing in areas when the price for a single-family home skyrockets like we have seen throughout the country. A single family home in Las Vegas, where I live, is averaging around $300,000. That is simply not affordable for your average first-time home buyer.

Speculators and investors make up 30-50% of all condo conversion buyers. They buy these units, intending to sell them at a higher price in a short term.

Rising interest rates historically have slowed conversion activity. This slows down the appreciation as well. It's difficult to convince someone to pay $1200 per month on a mortgage for a 1000 sq. ft condo. However, get it under $1000 and you will find buyers.

Before you invest in one of these units and plan on renting it out, or you plan to buy one to live in, you must know a few things.

Condo conversions are marketed to the very same people who rent apartments. Thirty to 50% of all condo conversion buyers are investors and speculators.

When they go to rent their units, they are competing for the very same market as the developer of the project. Why rent when you can buy? Why rent from you either?

Once cheap mortgages vanish, and rates have been rising recently as you all know, condo conversions will become riskier. When home sales slow, converters may find it harder to sell their condos.

Once 30 year interest rates hit 7% or 8%, experts say, condo conversions will cool. Today, we are at around 6.25%. The good news is condo conversions are almost the last bastion of truly affordable housing in many areas.

Here are some things to keep in mind...

Many people buying condo conversions don't realize that the property they are buying is different from a newly constructed unit. This means the financial exposure for repairs and replacements can be much higher.

New condominiums, built from the ground up, are constructed with the building materials of today and have to conform to today's more strict building codes.

The condition of converted condominiums can vary. An older apartment complex converted to condos could have wear and tear and may have structural faults unknown at closing. These problems can become a real hindrance later on.

Newer apartments that have been converted to condominiums in the past few years were probably constructed under the latest building codes and have new building components, mechanical systems and interior finishes. These are a safer bet and you will want to find out the year the original structure was built.

Many older buildings have been converted as well. Some converters gut an apartment building, taking it down to its "shell," and then rebuild it, installing new plumbing, roof and mechanical systems.

Other developers simply do "cosmetic rehabs," leaving the building components as is and merely sprucing up the property to make units more marketable.

Buyers beware. Are you buying a fully renovated building that was taken down to the shell, or are you buying a building that someone just slapped some paint on and put in a few new windows?

What about problems to the complex? Although most developers do a terrific job in converting, what if the roof needs to be repaired after a few years? Does the association have enough reserves to cover it? Many people believe condo conversion owners can expect special assessments quicker than new condo buyers.

You do have some safeguards. As a lender for condo conversion buyers, we often require an engineer's report from the developer before we close the loan. You have a right to this document as well.

It tells you what was done to the building and the sales office can give you a copy of this if you ask.

Here are some other things you should know before buying a condo conversion:

They usually have restrictive covenants. Every condominium project has rules and restrictions that govern what unit owners can do. If you own a pet, make sure your building is pet-friendly. Do you even get a covered parking space?

Are you buying the unit as an investor to rent out? You will want to make sure the building allows rentals and the minimum term required.

If speculators cannot resell their units they will rent them out too. If there are many renters, that can create problems with condo owners in the same building and lead to maintenance issues.

Renters tend to care far less about their homes than do the home's owner. Too many renters can destroy the complex and it's value.

Speculators buy as much as 70% of some condominium projects. You may be moving into a building that is nearly vacant. That may not be what you had hoped for.

Once a condominium project has more than 30% of its owners that use it as a second home or as an investment property, the condos all become "non-warrantable."

Non-warrantable condos mean the project is not insured by Fannie Mae. This means a different kind of loan for the buyer of your condo. Many banks do not loan on non-warrantable condos. We offer non-warrantable condo loans. Even though they are very competitive, even offering 100% financing, the loan programs are not quite the same as they are on a warrantable condo.

Here is a time and problem saving tip:

When you are selling a condo, of any kind, you want to make sure you or your agent contacts the Homeowner's Association, early in the process, and asks them what percentage of the project is non-owner occupied. If it's over 30%, you want to communicate this immediately to your buyer. He has to make sure his lender can do the loan or he may have to change lenders. It is best if you know this early.

Many condo conversions are considered non-warrantable.

The bottom line is condo conversions offer affordable housing in many areas where the first-time homebuyer and the real estate investor, who wants to take on a little less financial risk, are starting to be turned away. However, as a buyer you want to be very cautious and ask questions about the building's history and residential make-up.

[statusquoergo]

Part II

Deposition, take two.

Harvey and Mike run into each other on their way into the conference room and Harvey informs Mike that this case is never going to make it in front of a jury, thanks to their decision to waive a jury trial. Mike is aghast but refuses Harvey’s suggestion to terminate the deposition, because “while a jury might never hear it, [he’s] gonna make that motherfucker answer for what he’s doing.”

Here’s the thing about that: As long as he does it in a timely fashion, the plaintiff has the right to demand a jury trial. So Mike can goad Haskins (the CEO of Brick Street Athletics, I guess) into saying whatever he wants in the deposition, but none of this finitely precludes the case from appearing before a jury.

During questioning, Mike lays out the working conditions at the factory—2000 people working “twice what they’re supposed to” (however this is supposed to be quantified), employee salaries of less than twenty cents per hour compared to Haskins’ salary of $20,000,000 per year, “building an empire on the backs of women and children” (Haskins denies that they employ children and Mike challenges that “it’s just women, then”)—and Haskins repeats the defense that they’re not breaking any local or international laws. Mike argues that conditions are so bad that two people have killed themselves in as many years, and Haskins bursts out with the key phrase: “God dammit, I don’t care how many people have killed themselves! This has nothing to do with my company!”

Real friendly. Appearing quite weary of this whole charade, Harvey asks if Mike is done, “Because [Mike] can get emotional, and [Haskins] can get emotional, but [Mike] still [has] no jury, and no case.” Not to mention “this testimony isn’t to be revealed outside this room.”

Actually I can think of at least one instance in which the deposition testimony would be admissible at trial, or in front of a judge: If Haskins testifies to anything contrary to what he said in deposition, Mike could introduce it to contradict or impeach the testimony given by the deponent as a witness, i.e., prove he lied.

But who cares about the law, this is Suits.

Louis and Sheila go to Lipschitz for therapy, and it’s nice that they’re trying to work out their problems, and the dialogue feels honest, and Sheila never wanted kids but now that she’s pregnant she’s embracing the idea of becoming a mother, and Louis supports her 1000%, and she loves him, and it’s no wonder Lipschitz is always so busy if this is how quickly he’s able to fix his clients’ problems.

Alex fills Katrina in on Faye’s request that he oversee Mike and Harvey, and Katrina tells him not to tell them about it because “Have you ever seen either one of them react well to an authority figure telling them not to do something?” It’s a pretty inconsequential scene, but I like the reminder that Mike and Harvey used to be, like. Marvey.

Harvey swings by Mike’s place to make sure they’re still on good terms after Mike got his ass kicked at the deposition, but Mike drops the bomb that Jeremy had a televised interview that day and wore a t-shirt to said interview printed with the quote: “I don’t care how many people kill themselves, we abide by the law,” attributed to Haskins. Harvey angrily charges that “Dammit, Mike, that deposition was under seal,” and Mike retorts, “So sue me.”

Excuse me, gentlemen, I just want to point something out here:

“Anything that could get us disbarred or put in prison is off limits.”

You know what two of the several qualifiers for disbarment are in New York State? Crimes and misdemeanors featuring interference with the administration of justice, and misappropriation.

Mike, that was your fucking ground rule.

Mike then argues that if Harvey does sue him, “it won’t be a countersuit anymore” (it’s not a countersuit now), “which means there will be a jury” (he can still demand a jury trial). Harvey threatens to have him sanctioned, and Mike says that’s fine since the video is already going viral; Brick Street’s best option is to give in to Jeremy’s demands and let him out of his contract with full pay so, wait for it, he can start his own competing and much more ethical apparel company, using the contract salary as seed money and the suit as free publicity.

This is bullshit. This is total bullshit.

Forget the part where it’s legal nonsense, let’s just focus on what an underhanded move this was for Mike. Harvey, for some ungodly reason, seems proud of him for pulling this off, guessing that Mike “helped [Jeremy] plan this thing from the beginning”; Mike says it was easy to pull off, since he knew Harvey would try to play the man, “but the thing is, the version of [Mike who Harvey] thought [he] was playing, he doesn’t exist anymore. The new Mike cares more about results than he does about playing the violin.”

Great. That’s great. But what the fuck does Korsh think he’s doing? Why send Mike off to Seattle to take on class action suits against Fortune 500s, why highly publicize Mike’s return, why bring him back at all to turn him into some unrecognizable version of himself who’s not even doing the work he supposedly left New York, the firm, and Harvey to follow his heart for in the first place? If anything, this episode is a tragedy, a stab directly into Harvey’s already fragile heart; Mike, his protégé, his best friend, his comrade in arms, abandoned him to fight for the greater good and has made a triumphant return to once again do battle, to show how much he’s learned from Harvey, how much he’s grown since they parted ways, but instead of playing on an even field, or joining forces to accomplish something actually meaningful, Mike uses the fact that Harvey’s usual tactics of skirting the law are hampered by Faye’s oversight in order to give himself a huge (and illegal) advantage which he started this case by promising not to use.

So I guess that when it comes right down to it, all Mike has really learned by setting out on his own is how to walk past the bodies he piles up in his wake. The ends justify the means, and that’s all there is to that.

God dammit.

Oh, but we’re not even out of the woods yet, because after some cute but logically unsound banter (“Are you actually taking credit for my win when you lost? Let’s be very clear about something here, Harvey, right now you are the governor of Loserville, and I am the mayor of Winnertown.” “You know mayor’s below governor, right?” “Not in Winnertown, he isn’t.”) Harvey invites Mike for drinks, which after this catastrophe of an episode would’ve been a nice Moment for the two of them, except that he goes on to invite Donna along for absolutely no reason whatsoever except to keep repainting every hint of Marvey that this show has ever had with a big old brush of Darvey.

Before drinks happen, though, Katrina stops by to inform Donna that she’s taken her advice to focus more on herself, signing up for a ballet class to follow up on an interest she had when she was younger and piggybacking on Alex’s interest in tap by showcasing Amanda Schull’s history as a professional ballet dancer. And one more thing: Brian called her back and left a message, but she “deleted it without even listening,” which Donna cites as “amazing,” for…some reason. Seems kind of rude to me, but alright, sure, whatever. Donna then invites her over for drinks with Mike and Harvey (not that this was supposed to be an intimate personal affair or anything), which she refuses because “Tonight’s the first night of class,” so, good for her.

Samantha, unsurprisingly, has become aware of Mike’s little stunt with Jeremy’s interview attire and declares to Harvey that she’s not going to let him get away with it. Harvey bleakly submits that “he beat us fair and square” (no, he didn’t) but Samantha says that’s bullshit, that he planned this in advance and it’s a clear violation of Jeremy’s contract. (Is it? I wouldn’t know, the specific contract details have been kept very under-the-table. Plausible deniability, I suppose.) Harvey doesn’t want to fight this because “knowing Mike, [they’ll] never prove it”; Samantha accuses him of being proud of Mike (why), and Harvey asks so what if he is (why), and Samantha says that if they can’t find proof, she’ll make it. Shockingly, Harvey orders her not to do that (what, because it’s illegal? Or because it reminds him too much of Cameron Dennis?), and she storms out.

Remember when Louis asked Benjamin for help with the whole donation thing? Benjamin’s finally getting his just reward for all the shit he pulls for these people as Louis promotes him to Vice President (the benefits of such a thing being utterly unclear, but I suppose it’s the thought that counts) and gives him a thirty percent raise. So, uh. That’s nice.

Now about those drinks. At Harvey’s place, Donna prepares a cheese plate, and Harvey tries to greet Mike with a somewhat excessively enthusiastic “Hey! You want some cheese?” Mike, however, is not interested in any cheese, because it seems Samantha went ahead and fabricated that evidence after all; Mike accuses Harvey of bribing Charles Hu to say Mike contacted him eighteen months ago with the scheme to get Jeremy out of his contract, which he can’t dispute because “[he’s] on the record saying the guy’s a saint.” (What record, what is he talking about?) Harvey says he had nothing to do with it, Mike calls bullshit, and Donna steps in to say, in a slightly creepy tone of voice, that “It’s not bullshit, Mike. He’s telling the truth.” For some stupid fucking reason, Mike didn’t believe Harvey but he does believe Donna, so he determines it must have been Samantha who lied about him, and asks Harvey what he intends to do about it. Harvey says there’s nothing he can do about it, and when Mike points out that he can say she fabricated evidence, Harvey pulls his loyalty card at the worst possible time:

“Are you out of your mind? Do you have any idea what would happen to her?” “I don’t care! She is cheating my client out of a company that could change people’s lives!” “And I’m not gonna sell her out! Just like I’d do for you if you were still here.” “I don’t believe this. You’re pissed that I left!” “No, Mike, I’m glad that you left, and you could have come back to visit any fucking time, but you came back to pick a fight with me that you rigged six months ago.” “Oh, so it’s not that I left. It’s just that I beat you.”

Oh boy.

First of all, we get out of the way the hint that Mike really was taking this case on to make a difference in the world, but I dunno, man, feels to me like this is too little, too late.

Then, finally, after a full season and a half of no resolution, we finally get Harvey’s admission that he’s upset Mike left. Yeah, no shit; their goodbye, as I’ve lamented to the point of tear-inducing monotony, was terrible and inconclusive, and Harvey’s behavior afterwards has not been that of a man who’s at peace with the change in his life (s08e01-04, 13). And finally, he acknowledges out loud that he’s angry (yes, angry) that Mike hasn’t come back to visit, and now that he has, it’s just to pick a fight with Harvey that he secretly rigged far in advance. That doesn’t seem to me like a fight Mike should be particularly proud to tout as a win; the odds were artificially weighted in his favor, and he went out of his way to tip them even further by making them both promise not to do anything illegal and then breaking that promise himself when he knew Harvey would be in no position to follow suit.

That is a dick move.

But we’re not done yet:

“No, you almost did. I was gonna let you get away with it, but she didn’t. And I might want to kill her, but I’m not gonna betray her.” “I don’t care about her! I care about you. You gave me your word, and the Harvey I know wouldn’t break his word and screw over a bunch of innocent people in the process. You lost yourself, Harvey. And you know it.”

Fuck.

Not only should Mike not be proud of this win he achieved illegally, but it was only his to take because Harvey made the conscious decision not to turn him in for those illegal activities.

You know what’s the real gut punch here?

“I care about you.”

You sure about that, Mike? Because you could stand to fucking act like it.

He goes on to as much as admit that Samantha’s involvement—not her fabrication of evidence, just the fact that she was there, was the thing that ruined this for him, because “the Harvey [he knows]” would have acted predictably, and he would have been able to manipulate him. “I always have time for an old friend”? He always has time to use an old friend for his own advantage, maybe. I agree that Harvey hasn’t been acting like himself of late, but my rationale for that has always been that Mike’s rapid departure broke him and he’s been unable to recover, and if this is what Mike’s return means, well, maybe Harvey’s better off.

(Harvey would be better off leaving the firm and going into intensive therapy, but I’m trying to keep my goals achievable for the time being.)

Harvey then returns to the firm to confront Samantha and yell at her for lying to him, and she says she didn’t lie, she just changed her mind, so that’s mature. She asks if he’s really mad at her crossing a line or because she beat “[his] little adopted son” (did you catch that? "Adopted son," i.e., "definitely not a love interest thank you very much"), and Harvey tells her that he defended her to Mike, but that’s over now because he doesn’t trust her anymore, and I guess he’s taking his ball and going home and there’s nothing she can do about it.

Spoiler alert, Faye happened to observe this whole exchange, and now has some mulling to do.

This whole episode has been one giant offense to the memory of Mike and Harvey’s relationship, but this part might just take the cake: Louis arrives at Mike’s apartment while Mike is packing to go to the airport, because Donna sent him, and she would’ve come herself but “she’s with Harvey now” and “she didn’t want [Mike] to hold it against her.” Mike says he’s not holding anything against her, and Louis asks him not to hold anything against Harvey, either. Bringing up the story he told Mike back in “Blood in the Water” (s02e12) about himself and Harvey being Ralph Wolf and Sam Sheepdog, he says that he and Harvey “were rivals at work. But no matter how much [they] fought, at the end of the day, [they] didn’t let it get in the way of [their] friendship.” Kindly permitting Mike to be furious at Harvey for defending Samantha’s actions, Louis asks that he nevertheless not let this be the end of him and Harvey. Rather than comment on the request, or their relationship, Mike says that he has a plane to catch.

As Louis bids his farewell, Mike calls him back to give him the last of the “You Just Got Spitt Up” onesies that he had made up in Season 8, which Rachel apparently took to save for him. Louis tells Mike to thank Rachel for him, he agrees to do so, and Mike and Louis, of all people, get the heavily emotional hug I was hoping Mike and Harvey would get when I saw that bullshit reunion in the teaser.

Then Faye goes into Samantha’s office and finagles her into tacitly admitting that she’s the one who fabricated the evidence, not Harvey, and Faye fires her, so at least some good came out of all this.

Part IV

[rigelmejo]

progress

i started trying to learn some chinese like idk in august. and i have never related more to a story i read once, of a 60-ish year old woman suddenly striving (and managing) to learn enough russian to read russian classics like war and peace in their native language.

because that’s how i feel... like i’m desperately trying to get to the point where i can read priest’s novels... because the translation is fine, and also sometimes impressive, but i know just enough to see all the details i’m missing, and 

i actually am gonna have a physical copy of guardian and imperfections/defected goods and i feel like The Pressure to be able to read them at least basically 

which. ahahahaha ;-; That is SUCH a lofty goal for the Near Future. Maybe long term, a very long term goal, but soon? Ahaaahaha ;-;

Anyway, i need to appreciate my progress. In about 3 months of studying, I have managed to go from knowing nothing but hello/thank you, to being able to read some subtitles, make out some long video titles/captions gist, to be able to look at a novel text and at least pinpoint moments of action taking place (which has been enough to at least look at an english translation, that says something like ‘shen wei’s right hand was kissed’ then look to the chinese version and find that line in text, so that i can word-for-word look up things with more precision). And these are things I should be very proud of myself for.

When I started studying French, the first language I took serious when trying to study - it took me 6 months to read most general texts and gleam the gist of the meaning. It took me 3 months to read the gist of titles/some captions/some summaries of nonfiction nature like instructional texts and news. And then it took me a year maybe to start being able to look at FICTIONAL things like novels or shows and start being able to follow the gist. With Japanese - it took me 1.5 YEARS to get to the point of being able to read the gist of titles/short captions/some small dialogues in manga. 

Studying chinese for 3 months, i can now: follow short comical manga-based audios on youtube about 70-80% (I followed a lan wangji/wei wuxian short video audio), read very short fanartist comics (saw some guardian short comics and managed to follow them without looking anything up), can look at the chinese titles of videos on youtube and maybe 1/2 the time reasonably get the gist of what it means, i can look at chinese subtitles on the shows i’m watching and grasp maybe 50% of what i’m looking at. Mostly, again, the action oriented dialogue like ‘i said’ ‘he’s dead/what happened’ ‘what’s that’ ‘madam, help me please’ ‘10k years ago’ ‘brother/sister/etc can i’ ‘no need/worry’ ‘smile’ ‘the meaning is/so/therefore/but/however/still’... and clearly most of the more specific words I know that are adjectives or nouns, are catered toward the shows/stories I’m consuming - since ghost/demon/puppet/bright/smile/dead/murderer/chief/god/lord are the first kinds of nouns I started recognizing. 

All of those achievements though... I should be grateful to have gotten to this place. In august, when I first looked at Guardian’s original text... the ONLY things I could understand were the numbers, and ‘hello/thank you/cat’. Now, even though I couldn’t read a chapter, I could skim through and find the names of people, and see if they’re doing something like speaking/smiling/looking/waiting, or if a ghost has appeared. Which is miles more than I could do three short months ago. And it is incredible to me, because it really is a lot of progress for me, in such a short time. 

It really points out to me how starkly different japanese was to start learning. I think part of the huge difference, is chinese really is somewhat easier structurally for me to look at and parse through (and I get now why it’s rated Slightly easier to learn for native english speakers than japanese is), and I think part of it is because I’ve spent enough time studying languages now that I’m more efficient at it. It certainly appears I’m more efficient than I was in the past. My reading in japanese is... still pretty awful. I really... can only glance at maybe manga dialogues, or real short image captions, or real short physical comedy skits, and understand the gist. Anything more, and I quickly get lost. And I studied Japanese pretty consistently for 2ish years. Whereas with chinese, I am already at the point where I can look at a wall of text like an actual fictional novel (not comic, novel), and start parsing out at least some of what’s going on. Where I can watch a show and follow at least some of the main ideas without translation. I do think part of the difference also, is which words I tried learning first in what language - in Japanese I learned comedic words first, and everyday ‘go to school/work’ words, so for daily life comedy vlogs/slice of life simple manga I can follow some of the gist - but for more literary things I am completely lost. With chinese, I was watching shows from the get-go, so immediately action words/nouns that are repeated a lot, were the first words I started understanding. And I think learning action words helps a lot with following what is physically going on - which is something I did not focus on immediately in japanese. Now, in chinese, I’m focusing on a lot of literary words like ‘its just/its only a’, ‘but even/however’ etc kind of words, and adjectives, so I imagine over time those kinds of words will pop out to me easier as well.

I have learned how it is I tend to learn the fastest, although it’s not quite in line with the perfectly-rigid approach I wish I could manage instead:

 - I need to start using the language immediately.  - Not coddled. I need to use it. Get thrown into it. Throw myself into actual materials IN the language. The textbooks and readers with english are a crutch. I learn faster the more I dive straight into the actual language materials IN that language. - As usual, find a vocabulary guide and/or flashcard set with the most common words, use that as a place to start for vocabulary. With Chinese, that was the 1000-most-common-words-in-chinese-dramas memrise deck, some other anki decks i look at on occassion, and the words-by-most-common clozemaster chinese.  - As usual, find a grammar guide, start CRAMMING through it. Inevitably, I am not going to understand the grammar until I see it working in the real language. But if I just make myself READ grammar points, then I’ll have a framework to understand the grammar I’ll see later being used. I’m currently working through https://www.chinese-grammar.org/ , which has been a very nice guide to just chug through. There are some other helpful guides - nanchinese is okay, but I HATE how slowly it progresses a user through the material. Again, I seem to do best when I’m just thrown into the deep end and FORCED to progress faster than I want to. Inevitably, I will always stop myself and keep covering the same basic material longer than I need to, if given the chance. So for myself, I really do need to just force myself to look at materials that look more difficult than I feel I am ready for. Again, future self: even if you feel you haven’t mastered the material, even if you haven’t memorized it yet, LITERALLY JUST PROGRESS as soon as you understand the gist of it. That’s it. Literally keep moving forward once you think you somewhat understand.  - As usual (for non romanized alphabets), get a book/guide that covers the characters by most common, and start CRANKING THROUGH IT. Again, do NOT pause until you’ve memorized, just KEEP PROGRESSING once you feel you understand the basic gist, move forward. You will look over the same characters again and again later, there’s time to reread a whole book/guide later - the point is to get exposed to those characters and words, so that the next times you see them it’s reinforcing the learning instead of your first time. For this, there is a great book: Reading and Writing Chinese: Third Edition, HSK All Levels (2,349 Chinese Characters and 5,000+ Compounds). I got this one, which I like because as far as I can tell, it includes all the characters and words I’d need to learn for the HSK levels (which at least somewhat prepare you to have some command of the language/some ability to comprehend the language). So, this book prepares a learner decently by at least teaching things that are more likely to be commonly found in the language, and therefore going to pay off to learn overall. I also have been looking at this guide: http://www.mementoslangues.fr/Chinois/Sinogrammes/Table3000CaracteresChinois.pdf . It has 3000 chinese characters in order of frequency. Which, again, is useful in trying to learn what will be most applicable to understanding many things. When reading through it, I’m on the 50th character and pretty much knew all of them already in 3 months - which is good, and probably why I’ve felt what words/characters I’ve learned have paid off in understanding so much. If I had more time to read it, I might find I know a whole lot more. In the RaWC book, I’ve been highlighting the characters I know, and I’m still reading through the book, but maybe 300-500 I’ve highlighted so far cause I already knew them. For learning characters, any book/word guide that at least partially prioritizes for frequency, and for broadly what is going to be useful to comprehend that language, helps a lot to focus you on studying things that will improve basic understanding. I also found a book by Lingomastery, Chinese Most Common 1000 words - which I’m looking through too, when I get the time. Again - for me it’s not about looking things over until I’m perfect - it’s about looking once, understanding just basically, then as I see it over and over multiple times learning it fully. Because for me that is faster than slowly memorizing, because I’m a perfectionist and I often choose to move on much slower than I can actually learn.  -Other things that have helped a ton: decent translators. The app PLECO is great, and can also translate some idioms. Google translate is nice because the app allows you to draw or speak the word instead of typing it so that if you don’t know the exact pinyin you can just draw the character you see. These three apps I found useful for translating chunks of sentences: https://fanyi.baidu.com/#zh/en/%E5%8F%AB%E5%89%8D%E8%BE%88 (I especially like how this one handles chunks of texts, and gives more precise footnotes of words/idioms at the bottom), https://translate.systran.net/translationTools/text?source=zh&target=en , https://www.mdbg.net/chinese/dictionary - The app Idiom is GREAT for looking at a chinese website/webnovel, and just translating word by word - it will give the character and pronounce it out loud. The translations are pretty freaking rough and sometimes not quite correct, but for super fast translating in-line on the same page while reading, it’s incredibly convenient. Likewise, the app BaiduTranslate allows you to just highlight text on your phone in any app, select ‘share’ select ‘baidutranslate’ app, and then it will translate the whole chunk of text - pinyin, audio, english, and some keywords/idioms more precisely translated in a footnote.These two apps, along with google-translate to draw in characters you can’t copy/paste, are good for super quick rough translations when working through a text/show. - Honestly, I think it has been helping as well that I’m watching so many chinese shows, and chinese youtube fan-made videos. I don’t personally think I do much with the audio to help myself learn, but I think it’s been helping me get better at looking up words (by pronouncing the tones closer to correct, and by drawing a character in the subtitles, and in youtube when there ARE english subs by looking from the english to chinese-hard-subs and matching some characters to specific words - it’s how i learned meaning/but/however/therefore). Even though I don’t notice significant improvement because of doing this, I do think it simply helps I’m interacting with chinese a lot. (And, of course, I love getting to the point in knowing a language, where you know JUST enough to be able to tell when the english subtitles CLEARLY DO NOT match what’s actually being said - that’s always fun). I do think that because I’m hearing chinese a lot, it’s easier for me to transfer my reading skills to listening skills - since I’m practicing both at once when I see the chinese subtitles, since I listen enough that they sound relatively familiar to what I think characters sound like in my head when reading (which, my internal voice still isn’t necessarily accurate, but it’s improving). This is significant, because I know in french I did NOT do this. So as a result, in french I could listen and would struggle significantly to match words to subtitles or text - I could read quite well but my listening lags behind. In chinese, I can reasonably follow along to audio with the text - they’re close enough in similarity to me that I don’t fear my listening comprehension is lagging as considerably as it does in french. Pretty much all the chinese words/phrases I am most sure I understand, are the ones I heard before reading. In french this was not the case, in part maybe because french has so many english cognates i could slide by in reading without necessarily learning the french pronunciations for a lot of words. Also - in chinese I generally plug new words into google translate or Pleco, both of those translators provide audio. I listen to the audio, because I want to make sure my tone is right. So for a majority of the words in chinese I learn, I listen to them several times at the beginning. I do think short term, so far it’s been paying off in listening comprehension a LOT with shows. And long term, I think if I continue doing this it will pay off in helping to keep my listening/reading comprehension a lot more balanced then it is in french. Which personally, I find hilarious, just because - when I started trying to learn chinese, I was literally ONLY concerned with reading comprehension. I didn’t care at all if I could pronounce or even knew what the words I was reading sounded like. But... to be fair, in chinese (thankfully!!!) many of the characters hint at their pronunciation based on how they look. So for chinese its often a matter of ‘okay this is gui/wei/shi/etc but which tone is it?’ Which I personally find... eons easier to come to terms with, then japanese characters, which often have multiple pronunciations, and those pronunciations rarely have to do with the appearance of the character. But with chinese, I see my favorite little ghostie radical, and know it might be pronounced gui or wei, and know it will probably have something to do with spirits. I see the speech radial and know it’ll probably have to do with speaking or communication or words. I see the ‘up’ radical and know it might be pronounced similar to ‘shang’. I deeply appreciate that in chinese the characters clearly have a logic - and though of course there are exceptions to those patterns, there are exceptions in many languages anyway, and for the most part those patterns are greatly useful. 

Just a little thing I’ve noticed, but also I find the characters/words are much easier for me to remember BECAUSE I have names of characters, story plotlines to relate them to. Because I’ve seen Shen Wei/Wei Wuxian, it’s easy for me to remember Shen Wei’s wei has a mountain on top and is a high tone, and wei’s doesn’t have the mountain and is a different one. Because I’ve seen the ghost character in so many plotlines, I can recognize when it’s spirit, or ghost, or puppet, or demon. Cat, wolf, dog, owl... they’re all easier for me to remember because I can think of specific sentences and situations where I’ve read/heard those words. If I was just reading them in a textbook, they would not be so vivid in my memory. In a way, it’s like the words I pinpoint in a story stick out in my head as these bright points, and then new things I learn connect outward from them like spiderwebs. I know daren from guardian is like a lord, so then when I see lord-god in Destiny and Love I know what to relate it to, when i see furen as madam i know how to relate it to what i already know. And so on and so forth. 

While I think there is definitely a place for learning in a structured way (and god I wish I was like that), I think my mind personally learns the fastest when I approach things based on most useful then work outward, and when I cover things quickly and broadly at only an understanding level of basic-gist-grasped, and then just start throwing myself into challenging material. I really think my mind prefers to dive headfirst into challenging things - it appreciates a challenge, it wants to problem solve, and it seems to work harder and focus better when it’s in the middle of being challenged. Now, working through challenging material can be very draining - and it still is, even though my brain learns faster by doing it. But seeing the progress after just 3 months, clearly its worth it. 

3 months ago, I looked at a wall of text and understood nothing but the calendar number dates. Now I can look and sometimes even follow whats going on! Now I can see chinese subtitles and follow some of the action! I looked ad Mo Dao Zu Shi the other day, and managed to read the first few paragraphs! I just looked at Zhen Hun today, and scanned through it to pinpoint a few scenes - some I managed to find and read in chinese, some I only managed to make out one line from. But ALL of that is still miles above what I could manage to do at the start. I’m personally... very excited. I have so much more that I want to be able to do in the language. But I’m extremely happy with how far I’ve managed to progress so far.

---

Literally... my goal had been... to be able to start getting through the guardian novel in chinese at least grasping the gist... in the end of November this year. HA.

That is... not a reasonable goal. If I can manage it, even just like small snippets of the novel... then I will be floored with myself. We’ll see. 

[mcginnis50rosales-blog]

Augur Rep WalletAugur is a interesting project, and even though it isn�t new that is worth looking directly into for its exclusive usage of blockchain technology. Basically, it is a decentralized market program for doing predictions. As an ERC20 token it uses the particular Ethereum network to harness the �Wisdom of typically the Crowd� create estimations with real world occasions It may be notable that this �crowdfunding� of predictive power comes with actually produced many benefits that are more accurate than those connected with top experts in the career fields being predicted. Prophecies are not new, in fact inside many groups it would certainly be known as gambling, during others it goes under the guise of �analysis�. Augur actually goes further than this specific I think, plus by utilizing blockchain technological innovation, Augur aims to allow predictive communities that experience increased accessibility, lower costs and greater accuracy in comparison with everything seen previously. We need to get an in degree look at Augur. What is definitely a Prediction Promote? Prior to getting into the nitty-gritty of Augur let�s first of all get a better comprehending of precisely what a prediction market is. As you may possess guessed, it is pretty much just what the idea sounds like ~ a good exchange-traded market that is used to anticipate future activities.

In often the Augur market members may buy and sell stocks and shares for the outcome of upcoming events, with the pricing dictated by the crowdsourced possibility of the celebration taking place. Research indicates that prediction markets can be a lot more reliable as compared to organizations that employ private pools of qualified personnel. Predictive areas are absolutely nothing new, with information involving predictive markets regarding personal betting stretching back to 1503. They use something the �Wisdom of the Crowd� to build generally accurate estimations from the outcome of events. The underlying idea can be that with the adequate sample size answers are usually just as accurate or perhaps way more than the solutions you would comes from a individual expert, or also via a good small class of experts. This is definitely the process being employed by Augur team to be able to develop accurate forecasts plus forecasts of the future final result of activities. Typically the Market for Prediction Markets The Market for Conjecture Trading markets Image via Fotolia While it might appear like prediction trading markets are generally just another form involving casino, or some trick, the fact is actually considered to be rather valuable any time implemented correctly. The �wisdom of the particular crowd� can lead for you to stunningly accurate intutions, in addition to eventually will certainly also make it possible for markets to run more efficiently. Both Google and yahoo plus Ford Motor Company currently have been using predictive areas internally for over some sort of decade, although data has been slow to really make it for you to the decision making approach. When these internal markets were used mostly to help gauge the effectiveness connected with in-house processes, predictive markets can be used inside of the realm associated with fiscal markets as well. Augur Rep Wallet can find some consensus that predictive market modeling could always be accustomed to hedge investments dependent on a number of corporate behaviors, such as earnings reports, changes in dividends or perhaps stock buyback programs, administration changes, and acquisitions. One interesting use of predictive marketplaces is as a good form of insurance throughout developing countries, where individuals have no other effective method to hedge against electoral, financial, or even climate risks. By using a predictive marketplace, someone who lives in this kind of a country could effectively purchase insurance against detrimental strife, drought, flooding, or currency devaluation (among different things) by simply purchasing a good prediction contract that pays off out if the unfortunate celebration happens. This Augur Group and Record Augur has been one of the 1st platforms that was constructed around the Ethereum network, getting been were only available in October 2014 by the 13-person workforce led by way of Jack Peterson and Joey Krug. Former to their work with Augur the two gained experience with blockchain technology when many people designed Sidecoin, a fork associated with Bitcoin. In supplement into the experienced team from Augur, Vitalik Buterin, the founder of Ethereum, is an specialist to the particular project. Augur Co-Founders Augur Co-Founders. Source: augur. online The first public the leader version of Augur was released in July 2015, which 12 months Coinbase selected Augur as one of typically the most exciting blockchain projects of 2015. This is definitely most likely the root connected with rumors that Coinbase will add this Augur expression � REP � like one of their couple of available coins. That hasn�t come true. The beta edition of Augur has been introduced in March 2016. The biggest Augur competitor is definitely Gnosis (GNO), which is usually also built in the Ethereum network and is the same project, with an just as skilled and experienced enhancement team. The primary big difference concerning the two projects happens down to the economical models being used. Although Augur uses a price based model determined by stock trading volume, Gnosis offers service fees that are based with the quantity of outstanding gives you. In fact, the possible market for prediction industry is large enough that both projects could flourish and flourish in a great deal the same means that multiple stock, attach plus options exchanges exist. Exactly how Augur Works As you�ve probably by now determined, Augur is meant to be a good prediction market platform which will pay users intended for making right predictions about world activities. In improvement, the makers of the markets and the owners of REP tokens, who will report on occasions, will also be rewarded. Predictions on the market are made by trading shares in the result of understandable events. If you guess the Eagles will get the Superbowl, The Dow will reach 30, 500 or Upper Korea is going to shut down their at�mico program by means of 2020 an individual can buy shares throughout those people effects. If you purchase stocks in typically the correct result an individual profit. Augur Wallet are able to make are determined by the possibility associated with an event happening, as decided by typically the crowd. Each reveal has a value of just one ETH. If there are really even odds of a good event happening you will shell out 0. 50 ETH to get a share, and in the event the event actuall does occur an individual get paid 1 ETH. If the event does indeed not occur you�ve missing your 0. 50 ETH or even so much a person spent to purchase your own shares. Share prices can change after a while, with often the price rising as more persons buy shares, and decreasing if people are selling their particular shares. This tends to make it possible to obtain stocks at a low price and then offer all of them at a higher value as more people choice within the event of the event � even in advance of the final results usually are recognized. At this time the Augur platform is in beta and you can test it out using virtual various currencies � no real dollars is now at risk. Precisely how to Create the Augur Market Anyone might create an Augur market with regard to any real-world event. We have a small Ethereum fee for creating some sort of market, and that can end up being based in anything from �Will a new man land on Roter planet (umgangssprachlich) by way of 2021? � to help �Will the S&P 5 hundred close above 2, 600 this week? � Market designers set their particular cost, which is taken by the complete pool collected if the sector closes. Originator fees has to be between 0% and fifty percent and could be lowered after the market is created, but simply cannot be raised. The creator fee comes along directly from the trader gains, thus this is in often the best interests of creators for you to keep costs as reduced as possible, but nonetheless high enough to hide the cost of generating typically the market. That supplies a incentive for people to truly buy shares in typically the outcome of your market. When your fee is also high, traders are going to be dissuaded from participating his or her possible gains will be small. Trading Events in Augur Trading Events Augur Graphic via Fotolia In add-on to generating your unique markets, you can also buy and then sell shares for you to trade within the markets that some others have created. These stocks represent the odds that the event will take place simply by the time the marketplace closes. As the instance let�s operate the above �Will the S&P close earlier mentioned 2, 1000 this few days? �* You proceed with the money markets closely, plus primarily based on the current essential in addition to technical analysis you may have done you happen to be fairly selected that the S&P 500 can close above the only two, 600 level in the final of this week, therefore you placed in a bid to buy 20 gives at 0. 7 ETH per share. Because gives are worth 1 ETH in the close these people can be costed anyplace involving 0 and you ETH, depending on exactly how likely the crowd states the outcome is. Together with some sort of price of 0. 7 ETH for your current shares the majority involving the audience agrees along with you as the price are higher the more most likely the outcome based on tradings in the Augur method. If you�re correct when the foreign exchange market closes you endure to produce 0. 3 ETH for each share or a new total regarding 6 ETH. If you�re misguided even so, you�ll lose all your investment, or a total regarding 14 ETH. As a good trader on the Augur system you can benefit in two ways: Hold your shares till the market windup and if you happen to be correct you collect your current profits. Buy positions when the expense is low and sell off all of them as the prices rises as a result of changing sentiment. Other activities and feeling in the fundamental can and do change marketplace prices over time, generating it possible to produce profits simply on this changing value of gives you, even before the market industry ends. Note that when an individual gain a trade you are accountable for forking over the Augur Revealing fees, which vary according to this working out: current_reporting_fee 4. (augur_open_interest * 5 and rep_market_cap) Reporting fees are generally up to date every single 7 days and therefore are used to pay this REPRESENTATIVE holders who report for the outcome of situations. *(Note: Trading markets do not have to have binary effects. They can have got any number of gains and you can acquire a full justification associated with markets, trading, reporting plus other aspects of the particular Augur platform here) INDIVIDUAL (Reputation) Tokens Augur Individual Tokens Augur Representative Bridal party ~ Image via moderate. com The REPETITION (or Reputation) tokens are exactly what strengths the Augur Decentralized Oracle System. You may think of it as the means to �score� events for the Augur platform. Owners associated with REP tokens can easily use them as some sort of stake to survey upon the outcome of often the situations listed in the particular market. ASSOCIATE tokens may be not necessarily an investment, as they don�t pay passively. As an alternative they are a software that helps Augur work. Many end users of Augur can never own a good ASSOCIATE token, and even could not really even understand their use. It is important to be aware of why the idea exists and exactly what use it has even though to fully understand how the Augur software works. Augur has few the present of REP tokens for you to 11 million, 79% connected with which were sold inside of their very own ICO. The cases involving REP tokens usually are considered to get �Reporters� and are expected to precisely report the outcome on the random events listed in the Augur marketplace with least each few weeks. If these �Reporters� are not able to report, or report dubiously, the Reputation of those folks is redistributed evenly to all this Reporters which did record accurately throughout the same credit reporting period. The Benefits of Purchasing ASSOCIATE Tokens Owning REPETITION as well as Reputation entitles an individual to be considered a Press reporter, in addition to by accurately confirming with the outcome of occasions inside market place you get hold of to share out there expenses imposed by Augur. Each REP token entitles an individual to 1/22, 000, 000 of the total market place fees collected by Augur with an event. Naturally, the particular more REPETITION tokens you own, and the better reporting you do, often the more service fees you may collect. The Reporters Career Each time a marketplace closes, as a REPRESENTATIVE holder you might be to precisely report in the outcome of the event in that market. You also stake a certain amount of ASSOCIATE to back-up the declare. If you notice that the event hasn�t occurred yet you might mark it as �Invalid� as you will notr always be able to report about it, and don�t need the negative consequences linked with non-reporting. Typically the Augur platform requires the market industry creator to assign a given reporter, who in that case features 3 days to help record on the affair. If you would like, as a reporter a person can challenge the claimed results in a additional several days. When no a single challenges the designated media reporter the market simply enters its next round. In the event the designated reporter fails to be able to report the occasion goes to an open reporting time period by which anyone can report. As soon as the first review is made the wedding comes into a holding interval until the beginning involving the next 7-day repayment window. Once the occasion enters that 7-day payment window a dispute could be made in the adhering to 7 days. Augur Revealing Flow Chart Credit reporting Flowchart of Augur. Source: Augur Whitepaper If there will be not any dispute settlement may be built from this end of the 7-day dispute period. If a good argument is made the event goes back into a tentative outcome and gets open for further question. All these 7-day dispute models will repeat until a great accurate outcome is achieved. If there is an effort to the reported results, this challenging reporter will be required to stake a few REPRESENTATIVE to do therefore. Augur calls this secured ASSOCIATE a �Dispute Bond�. When the challenge is productive the particular proposed outcome can be corrected and often the challenger gets the �Dispute Bond� funds returned with them. It is important for you to mention in this article that REPETITION was not produced to help be, nor is this intended by the founding fathers to be a new steady source of value. This can be a tool used on typically the Augur platform to correctly survey the results connected with the events. As its brand suggests it is meant as a store regarding reputation for those coverage the facts. The particular Augur team has made thei clear in the pursuing declaration: �REP is a new symbol that comes together with both responsibility in addition to encourage; it is not a good forex. � Muddying typically the marine environments somewhat is this fact that in quite a few ways INDIVIDUAL does work like a currency, thanks to the fact of which it is publically traded and has a budgetary benefit. Augur Wallet is important since buying REP bridal party is the simply method to access the Reporter fees generated by this multilevel. That said, the idea also needs to get mentioned that owning INDIVIDUAL tokens at this phase should be considered really speculative and risky. Considering that the network is still in beta there is simply no way to say together with assurance how much will certainly be generated inside trading fees. Speculation is the Reporter pool will ultimately obtain 0. 5% in the dealing fees. It is also impossible to judge the particular demand for just a predictive industry such as Drill, and so there is no means to know in this particular time how much are going to be produced in buying and selling fees. Typically the Augur workforce has also speculated of which for the very first several years these fees could possibly be zero more than pennies per INDIVIDUAL. Price History connected with REP The particular Augur ICO was held that kicks off in august 2015 in which period 6. 8 million REPETITION tokens were being distributed. One can find at present 11 million INDIVIDUAL as well in circulation, and that is certainly the particular total amount that will certainly ever become created. Quickly following the ICO often the REP token traded in concerning $1. 50 and $2. 00. Since that moment this coin has noticed about three significant price spikes. The first occurred in league with the beta let go of Augur inside Mar 2016 and noticed price trade just above $16. 00. The next surge was in October 2016 if the ICO tokens ended up launched to investors. On that time price gone to be able to just over $18. 00, but immediately retreated like many ICO traders left their coins for the rapid profit. This is some sort of common incident in cryptocurrencies if ICO coins are usually introduced. The third price spike happened in December 2017 and Economy is shown 2018, when price dealt briefly above $108. 00. There was no relevant announcement to cause this joblessness, but quite it occured together with a common rise in cryptocurrency rates. Some have believed the fact that the rise was as a result of rumors of REP being extra to Coinbase, nevertheless that is just gossips. Where you should buy REP Kraken may be the largest exchange with regard to INDIVIDUAL by quantity, thank you to the fact of which they allow purchases regarding REP in BTC, ETH, EUR and USD. Kraken accounts for virtually 25% of REP trading amount. Unless you want to make use of the Kraken trade a person can also purchase REP in Bittrex or Poloniex, nevertheless only using BTC in addition to ETH. This is to say purchasing BTC or ETH in one more exchange and even then transferring to help Bittrex or perhaps Poloniex. If you don�t get any of these trades appropriate you can look at Coinmarketcap. com to view exactly what other exchanges offer buying and selling in REPETITION. Where to help shop ASSOCIATE There can be no pre-installed pocket book help for REP on the Augur software, but you can certainly employ either the Exodus Pocket book or Jaxx Wallet, both equally of which support REP and also the quantity of other cryptocurrencies. Augur recommends using a good cool storage wallet to store the REP. Additionally typically the Journal Nano S i9000 equipment wallet is as well a good safeguarded alternative to online in addition to personal computer wallets. In Bottom line Augur was basically one involving the first serious blockchain tasks out there, and one of the 1st to use the ERC20 token and Ethereum networking. Having said that, it remains in beta form after just about 36 months of advancement. Maybe this is a positive plus the launch of the standard Augur main web will come with enhancements together with operation not necessarily even rumored. Or maybe it�s the negative and the team simply can�t have this project done. If items do move as designed, the Augur team has said they assume the platform to be able to eventually replace the need intended for centralized option and futures and options investing, and the decentralized marketplace might be used to help trade everything from items to stocks. With the the latest price decline Augur could very well sometimes be wreckage to help oblivion, or could very well be the huge great buy. If history is any kind of guide the REPETITION endroit should see a large spike when Augur produces the official main internet after this year.

[kejserclark07-blog]

Electrum Stratis Wallet

Stratis is one of the original regarding a range of blockchain advancement platforms. It seemed to be initially like platform wherein developers could very well easily produce their own exclusive blockchain. Stratis wanted his or her platform to be the most recognized blockchain-as-a-service (BaaS) tailored to get use simply by organisations. On the other hand, since firing, Sratis possesses increased the scope regarding their project. They wish to build up out the larger blockchain development circle that will undertake often the likes of NEO in addition to Ethereum. Can Stratis truly compete in this highly competitive space and provide an attractive alternative to help these blockchains? In that Stratis review, we is going to attempt to answer of which question by taking the deep-dive on the project. We will look into the technology, team members and one of a kind advantages of its blockchain. I will also analyse often the STRAT token and whether you must think of that. Let�s bounce in. Precisely what is Stratis? Stratis started out as a project that wanted to assist business logistics with a BaaS model. However, as the particular demand for developer ecosystems provides grown, therefore way too have the ambitions involving Stratis. They are now trying to build up their personal developer blockchain. There are many other projects that are wanting to do this but typically the main variation between them all and Stratis is it is definitely using C# for Microsoft�s. NET structure as the developing words of the blockchain. Ethereum has one particular advantage around Stratis in that the idea was your 1st smart contract community, on the other hand the use of often the Solidity programming language may possibly be it is weakness. Stratis uses a far more acquainted programming language and may accomplish the same blockchain structures and include sidechains since well. Stratis is definitely gaining on Ethereum, releasing C# smart agreements while an alpha in May well, as well as alpha sidechain help in August. This brings Stratis with par along with leading sensible contract blockchains. In truth, for numerous companies Stratis is definitely the popular solution since blockchain knowledge isn�t all that popular at the older, more traditional tech companies. These kind of older technical companies perform have armies regarding software engineers familiar with C# as well as. NET framework and happen to be most likely to pass over programming a good blockchain along with Solidity whenever they can use the more familiar C#. Stratis offers this comfortable programming language, and often the ability to use just about all the same features in order to develop a feature-rich blockchain with the ability to include sidechains together with sensible contracts. This will allow often the old-guard tech firms to simply build their very own blockchain solutions on the particular Stratis main company, trying to keep their own projects split up and safe on sidechains. There are certainly promise, but it may need time to realize the eye-sight of Stratis. Let�s create a deeper search into the project and it is related STRAT lieu that powers the community. Understanding Stratis Stratis was made as its own blockchain the fact that also offers a new suite of development equipment in C# that allow companies to make use of the safety of its blockchain to construct their own chains. This specific saves assets for this companies who also don�t need to have to hire brand-new blockchain developers as well as edit all their legacy software to work alongside a new platform. In the core Stratis is usually an updated, enterprise warm and friendly version of Bitcoin. It is very more worldwide, it�s more rapidly, and it moves aside from the resource famished Proof-of-Work mining of Bitcoin. Then it adds the Stratis program that permits sidechains, sensible contracts and this addition involving decentralized software. Stratis deviates from various other blockchain projects by way of working with the C# programming dialect. With over 6 thousand C# developers the idea aims to mesh very easily with often the existing devices of standard technological companies across this globe. Electrum Stratis Wallet has established a new package of tools together with assets for builders in order to help them to build up their own blockchains, and even that also offers the use of its blockchain as a mainchain for you to secure included sidechains. nStratis Advancement Platform The nStratis blockchain developmnent platform developed for businesses Additionally , that offers consultancy services with regard to businesses that want to be able to use blockchain technology, nevertheless don�t understand where or maybe how to get started. For instance, they might advise a fintech company, featuring them how blockchain technologies can be used to verify funds usually are being transported to the proper people, to track transactions, and to validate consumer personal. Stratis Team This main managing company to get Stratis could be the Stratis Class Ltd that is based around the city of London. They are comprised involving some fairly experienced coders with expertise in company program and blockchain. Stratis was founded throughout 2016 simply by the current TOP DOG, Chris Trew. Chris possesses over 10 years regarding working experience in Enterprise IT. He or she is also a backend developer who has got constructed numerous applications around C# and ASP. INTERNET. They started to cut his teeth in the blockchain ecosystem within 2013 and functioned like a volunteer on typically the Blitz project. Stratis Team Members Some of this Stratis Team Members Chelsea is as well joined by Nicolas Dorier who designed NBitcoin basically as a learning exercise. NBitcoin is now one of this most comprehensive cross-platform bitcoin frameworks. They in addition has composed a good book on blockchain programming in C#. Nicolas has also done some work on Bitcoin�s primary job. The STRAT Token Often the Stratis blockchain employs Proof-of-Stake (PoS) as it is opinion modus operandi, and the particular STRAT token as the local token on the networking. Because Stratis uses PoS it means there�s simply no reference intensive mining required to protected the network, nor almost any expensive computer hardware required. It absolutely was developed while a low pumpiing cryptocurrency and holders have the ability to produce rewards by staking cash, if they have sufficient to run a node. Operating the masternode requires staking 250, 000 STRAT, which often has a value of $392, 500 at the $1. 57 price on The month of september 7, 2018. That�s definitely out of reach to get most, but there is converse of adding lower tier nodes that require significantly less gold coins. The primary aim of the STRAT expression is as gas for that network, or a way to pay money for network deals. Naturally you can also purchase it like a speculative investment, together with the coin is listed in well over a new dozen programs, including Binance, Bittrex and even HitBTC. Binance STRAT Register at Binance and Buy STRAT Tokens As of September seven, 2018 the STRAT lieu is #49 on Coinmarketcap. com with a marketplace limit of $155, 347, 489. That�s at a associated with $1. 57 with a moving supply connected with 99, 004, 672. Stratis hit an all-time great price of $21. twenty-one on January 8, 2018. Stratis was one regarding the first profitable ICO�s, raising 1, 1000 BTC back in June/July 2016. This success led these to start their own ICO software in May 2018 to help other people observe the same success. Is considered certainly the generous supplying, but could spell signs of trouble at the business. ICO Popularity in Diminish When Bitcoin rose around level of popularity most other cryptocurrencies struggled to find an market. So, that they turned to the ICO like a new way to gain industry acceptance, and to raise budget to continue advancement. That�s how Stratis obtained its begin in 2016. ICOs became much more popular inside 2017 any time Ethereum started hosting bridal party on its blockchain, permitting companies to help bypass the long together with expensive procedure for creating their particular own blockchain. That 12 months saw nearly one, 500 ICOs launched and even $5. 6 billion throughout funds raised. It was not all of good news though like over 50% of all those ICOs were failures. Possibly even worse was the particular nearly $1 billion lost by simply investors to fake ICOs. These losses came the attention, and ire, of presidency regulators. That put a damaging light on ICOs. Soon after major online mainly because networks like Google, Facebook or myspace plus Twitter banned advertisings for ICOs on their particular platforms. ICO prices fell across the field in addition to people started to be increasingly cautious projects releasing new coins via an ICO. Going down ICO Demand Amount connected with funds raised via ICO is usually declining. Source: ICO Info 2018 still recognizes the good volume of ICOs, just about all sees even more and more projects steering clear of the negative stigma regarding ICOs. A lot of have long gone to the airdrop in order to distribute tokens, and even so other people will be opting for you to hold private revenue, offering their coins in order to venture capital firms and large net-worth individuals rather than offering them to typically the public. This telephone calls straight into question the decision connected with Stratis to release a great ICO platform in May possibly 2018. In most respects that seems as if the particular management team is jammed in the past. Certain 2016 was initially just a pair of short years back, although in the cryptocurrency earth two years is like only two many years. A turnkey ICO remedy at this point seems to fly in the face of the negative view associated with ICOs and the improving authorities scrutiny. Stratis Remains to be an invaluable Blockchain Even even though the launch of ICO platform makes it look as if Stratis will be out of feel along with the rest of this cryptocurrency sector, it is always a robust and extraordinary blockchain task. And although the value of typically the STRAT coin has slipped all over 2018, that�s a great deal more a feature of the all round decline within cryptocurrency trading markets. A new $1. 57 price tag now is nevertheless the more than 22, 000% gain from the $0. 007 ICO price of the coin. That�s a new pretty hefty returning in just over 2 many years. Stratis has also lately already been listed in the Microsof company Azure Market, which was basically a big win with regard to Stratis founder and CHIEF EXECUTIVE OFFICER Chris Trew. Electrum Stratis Wallet isnt necessarily an recommendation of Stratis as a good assignment, but rather because the coin is prepared in C# for the. INTERNET framework. The. NET construction was developed by means of Microsoft, and because of Microsoft windows company usage the. ONLINE platform and C# developing words are equally set in every single industry. As typically the developer on the. NET framework Microsoft contains a huge stake in the endurance together with growth of the system and the C# dialect, producing acceptance of Stratis by simply Microsoft almost a new offered outcome. Microsoft Azure Statement by Stratis upon Microsof company Azure Company�s using legacy systems built along C# and. NET may find the transition to help a blockchain solution will probably be easiest and most cost effective when using the Stratis solution. Almost all of these businesses currently have C# developers which might be reassigned to a good blockchain project, and they�ll help to make quick progress thanks in order to their familiarity with C#. Unfortunately regarding Stratis typically the blockchain world advances extremely quickly. Their C# package was vaporware right up until May possibly 2018, meaning there were some sort of number of projects of which involved to and surpassed Stratis. And Electrum Stratis Wallet , which usually sounded and so progressive throughout summer of 2016, wasn�t all of that revolutionary any time it was release seeing that a beta mainnet product or service in Late 2017. It may be unfortunate, but the Stratis team appears to end up being operating on a much more slowly pace than new projects, in particular those coming from Japan. The early excitement over Stratis hasn�t translated to early adoption. In fact, additional than the acknowledgement into the Azure Current market, the largest partnership so that far is to use Earth String, an unknown international the fact that is looking to affect often the seafood logistics company having a blockchain remedy. A person optimistic development is typically the newest relationship with BRITAIN Meds, this fastest expanding online drug store in the particular UK, just announced upon September 5. BRITISH Medications plans on using this technology to be able to enhance person safety and to improve typically the UK Meds provide company. Conclusion Startis has got the difference of being the 1st successful ICO, and continues to be remarkable to this moment, nonetheless some state that needs to step up its game if it doesn�t desire the distinction of initial successful ICO to be the biggest differentiation the project at any time reaches. While it has strong technology and the solid alliance with 'microsoft', the idea isn�t seeing this type of adoption it requires. If it can leveraging it is strengths there can be still wish for expansion inside of the blockchain business because it offers a few worthwhile and helpful use-cases. This inclusion of the Stratis program in the 'microsoft' Azure industry is a big win, together with option traders have to be happy with often the 22, 000% return since ICO, even if the price connected with typically the coin has recently been sliding inside 2018. Entrepreneur sentiment could be going down, but there�s still a lot of good to become said for STRAT. Typically the establish of an ICO platform doesn�t seem to be the best move around in 2018 as government government bodies currently have been taking aim on ICOs, but fortunately Stratis has several other software trends and partnerships. Likely a enterprise blockchain option inside C# may not necessarily noise as technologically innovative or attractive as some other blockchain assignments, but it is just these kinds of nuts-and-bolts variety applications which have been frequently the particular most useful and profitable. In fact, the use of C# makes Stratis more attractive for you to conventional tech companies with older systems, since they wil have to start through scratch in order to move as well as integrate their very own programs along with blockchain technologies. The Stratis solution exhibits real guarantee, but we will need to wait and see if they can certainly truly deliver.

[bugge41bugge-blog]

Augur Rep Wallet

Augur is the interesting project, and when it isn�t new that is worth looking in for its one of a kind work with of blockchain technology. Basically, it is a decentralized market program for making predictions. As Augur Wallet Download uses often the Ethereum network to harness often the �Wisdom of this Crowd� create predictions in real world situations It�s notable that this �crowdfunding� of predictive potential has actually produced quite a few results that are more accurate than those of top rated experts in the fields being predicted. Prophecies are not new, in fact in many encircles it would certainly be named gambling, during other people it goes under the guise of �analysis�. Augur actually goes further as compared to this I think, in addition to by utilizing blockchain engineering, Augur aims to enable predictive communities that have got higher accessibility, lower expenses in addition to greater accuracy in comparison with whatever seen previously. Time to get an in interesting depth take a look at Augur. What is definitely a Prediction Markets? Before getting into the nitty-gritty of Augur let�s primary get a better comprehending of just the thing a conjecture market is. As you might have got guessed, it is pretty much just what that sounds like ~ a great exchange-traded market which is used to estimate future situations. In often the Augur market members can certainly buy and sell stocks and shares for the outcome of future events, with all the pricing determined by the crowdsourced probability of the function happening. Research indicates that prediction markets can be a lot more reliable in comparison with corporations who also employ swimming pools of pros. Predictive trading markets are absolutely nothing new, with files involving predictive markets to get political betting stretching back to 1503. They use something the �Wisdom of the Crowd� to create generally accurate estimations of the outcome of situations. The underlying assumption is that with a large enough sample size answers usually are just as accurate as well as more so than the responses you would get from the individual expert, or possibly by some sort of small collection of authorities. This can be the process being used by Augur team in order to make accurate forecasts and intutions of the potential future end result of situations. The particular Market for Prediction Marketplaces The Market for Conjecture Markets Image via Fotolia Although it might tone like prediction trading markets are really just another form of poker, or some track, the fact is actually considered to be pretty valuable when implemented adequately. The �wisdom of the particular crowd� can lead for you to stunningly accurate predictions, and even eventually will as well enable markets for you to work whole lot more efficiently. Both Google plus Ford Motor Organization currently have been using predictive areas internally for over the decade, even though data provides been slow to really make it in order to the decision making process. While these internal areas have been used mostly to help assess the effectiveness connected with in-house processes, predictive markets can be used inside of the realm associated with economic markets as well. There is certainly some consensus that predictive market modeling could possibly be accustomed to hedge investments structured on a number of corporate actions, such as income records, changes in dividends or perhaps stock buyback programs, managing changes, and acquisitions. One particular interesting use of predictive market segments is as a good form of insurance around developing locations, where inhabitants have no other effective way to hedge against political, financial, or even climate risks. Utilizing a predictive market place, someone who hails from this sort of a country could in essence purchase insurance policies against city strife, drought, flooding, or currency accounting allowance (among various other things) by simply purchasing a good conjecture contract that pays off out if the unfortunate occasion takes place. Often the Augur Staff and Historical past Augur was initially one of the 1st platforms that was developed within the Ethereum network, getting been made its debut in October 2014 by a good 13-person crew led by simply Jack Peterson and Joey Krug. Prior to their work towards Augur the two gained experience of blockchain technology when that they created Sidecoin, a hand connected with Bitcoin. In add-on into the experienced team at Augur, Vitalik Buterin, the particular creator of Ethereum, can be an specialist to this project. Augur Co-Founders Augur Co-Founders. Source: augur. internet The first public the leader version of Augur was released in Summer 2015, understanding that 12 months Coinbase selected Augur as one of often the most exciting blockchain projects of 2015. This is usually likely the root regarding rumors of which Coinbase would add typically the Augur expression � ASSOCIATE � like one of their several accessible coins. That has not come true. The beta variation of Augur had been released in March 2016. The most important Augur competitor is Gnosis (GNO), which is also built within the Ethereum network and is a very similar project, with an similarly accomplished and experienced development group. The primary difference concerning both the projects comes down to the financial models being used. When Augur uses a cost based model based upon investing volume, Gnosis features costs that are based about the amount of outstanding gives. In truth, the probable market for prediction sells is large enough that both projects could flourish and flourish in a great deal the same technique of which multiple stock, connect and options exchanges are present. Just how Augur Works While you have probably currently established, Augur is meant to become a new prediction market podium that may pay users intended for making proper predictions with regards to world situations. In inclusion, the inventors of the markets and the owners of REP tokens, who else will report on events, will also be honored. Predictions in the market are manufactured by trading gives within the outcome of practical events. If you are convinced the Silver eagles will get the Superbowl, The Dow will reach 30, 500 or Northern Korea can shut down their particular indivisible program by means of 2020 an individual can buy shares in these final results. If you purchase stocks and shares in the particular correct end result an individual profit. The profits you will make are determined by way of the chances associated with an affair happening, as dependant upon this crowd. Each discuss possesses a value of 1 ETH. If there are even odds of the event happening you would certainly pay out 0. 50 ETH for a share, and in the event that the event actuall occurs you get paid 1 ETH. If the event does not occur you�ve shed your 0. 50 ETH or on the other hand much an individual spent to purchase your own personal stocks and shares. Share prices will definitely change over time, with typically the price rising as more individuals buy shares, and slipping if people are promoting their particular shares. This creates it possible to acquire stocks at a low selling price and then promote all of them at a higher cost as more people guess around the happening of a good event : even before the final results are identified. Presently the Augur software is in beta and you can test it out using virtual values � no real funds happens to be at risk. Exactly how to Create the Augur Market Anyone will generate an Augur marketplace regarding any real-world event. There is a small Ethereum fee for creating a market, and it can always be based in anything from �Will the man land on Roter planet (umgangssprachlich) by simply 2021? � to help �Will the S&P 500 close above 2, 1000 this week? � Advertise creators set their particular cost, which is taken by the entire pool collected any time the marketplace closes. Inventor fees needs to be between 0% and fifty percent and can be lowered after this market is created, but can not be raised. The author fee shows up directly via the trader returns, hence the idea is in often the needs of creators in order to keep costs as minimal as possible, but even now high enough to pay typically the cost of building often the market. This kind of offers an incentive for people to truly buy shares in this results of your market. In the event your charge is also high, traders is going to be dissuaded from participating in whose possible gains will be few. Trading Events in Augur Trading Events Augur Image via Fotolia In supplement to producing your own markets, you can also buy and then sell shares to trade on the markets the fact that other people have created. These gives you represent the chances that an event will occur by way of the time the sector closes. While a example of this let�s make use of the above �Will the S&P close previously mentioned 2, 1000 this 7 days? �* You proceed with the equity markets closely, and based on the current basic and even technical analysis you may have done youre fairly selected that the S&P 500 can close above the two, 600 level with the conclusion of this week, so you devote a bet to buy 20 gives at 0. 7 ETH per share. Because shares are worth 1 ETH with the close these people can be listed anywhere in between 0 together with one ETH, depending on the way likely the crowd thinks the outcome is. Using a new price of zero. 7 ETH for the shares the majority connected with the masses agrees with you as the cost is higher the more most likely the outcome depending on deals in the Augur process. If you�re correct whenever this market closes you stand to create 0. 3 ETH for every share or a total regarding 6 ETH. If you�re mistaken even so, you�ll lose all of your investment, or a total of 14 ETH. As some sort of trader on the Augur system you can revenue in 2 different ways: Hold the shares before market closes and if prepared appropriate you collect your current gains. Buy positions in the event the cost is low and offer them all as the price ranges rises as a result of changing opinion. Augur Wallet and emotion in the real-world can certainly and do change market place prices over time, generating it possible to make profits simply on the particular changing value of shares, even before industry closes. Note that when an individual get the trade an individual are dependable for spending the Augur Reporting fees, which vary based on this specific working out: current_reporting_fee 5. (augur_open_interest * 5 hcg diet plan rep_market_cap) Reporting fees may be up to date every 7 days and are also used to pay this REPRESENTATIVE holders who survey for the outcome of activities. *(Note: Marketplaces do certainly not have to have binary gains. They can experience any number of results and you can have a full explanation involving markets, trading, reporting and other aspects of typically the Augur platform here) REPRESENTATIVE (Reputation) Tokens Augur Rep Tokens Augur Repetition Tokens � Image via medium. possuindo The INDIVIDUAL (or Reputation) tokens are what exactly capabilities the Augur Decentralized Oracle System. You may think of that since the means to �score� activities on the Augur platform. Slots associated with REP tokens can use these people as a new stake to report upon the outcome of often the occasions listed in the market. INDIVIDUAL tokens are certainly not an investment, as these people don�t pay passively. As an alternative they are a application that helps Augur work. Many end users of Augur will never own a new INDIVIDUAL token, and even may well not even understand it is employ. It is critical to recognise why it exists and exactly what use it has while to totally understand how the particular Augur software works. Augur has few the offer of REP bridal party to be able to 11 million, many of these connected with which were sold at their ICO. The cases associated with REP tokens are considered to get �Reporters� in addition to are expected to effectively report the final result on the random situations listed on the Augur marketplace in least any couple weeks. In the event that these �Reporters� do not statement, or report inaccurately, often the Reputation of those people can be redistributed evenly to help all the particular Reporters that did statement accurately during the same coverage pattern. The Benefits of Getting INDIVIDUAL Tokens Owning REPRESENTATIVE or perhaps Reputation entitles a person to be considered a Press reporter, and by accurately coverage on the outcome of occasions from the industry you get to share in the marketplace costs imposed by Augur. Each and every REP token entitles an individual to 1/22, 000, 000 of the total marketplace expenses collected by Augur for the event. Definitely, often the more ASSOCIATE tokens anyone own, and the better reporting you do, this more expenses you may collect. The Reporters Task Each time a industry sales techniques, as a INDIVIDUAL holder you are to exactly report for the outcome connected with the event in of which markets. You also risk a certain amount associated with INDIVIDUAL to back-up your current state. If you observe that the event has not occurred yet you will draw it as �Invalid� as you wil become able to report upon it, in addition to don�t need the unfavorable consequences connected with non-reporting. Typically the Augur platform requires industry creator to assign a good selected reporter, who next features 3 days to help survey on the affair. If you want, as a reporter you can obstacle the described results during an additional several days. In the event that no a single challenges the given press reporter the market simply makes its way into its next round. If your designated reporter neglects to report the affair goes to an open reporting period of time through which anyone can review. As soon as the first record is made the event proceeds into a holding period of time until the beginning associated with the next 7-day settlement window. Once the occasion enters that 7-day charge window a dispute might be made in the next 7 days. Augur Coverage Flow Chart Revealing Flowchart of Augur. Source: Augur Whitepaper If there is zero dispute settlement can be built from the end of the 7-day dispute period. If some sort of question is made often the event goes back to some tentative final result and gets to be open for further dispute. These 7-day dispute rounds is going to repeat until the accurate result is reached. If there is challenging to the reported result, the challenging reporter can be required to pole a few REPETITION to do thus. Augur calls this secured REPETITION a �Dispute Bond�. When the challenge is prosperous the proposed outcome can be turned and this challenger gets the �Dispute Bond� funds returned in their eyes. It is crucial to be able to mention right here that REPETITION was not developed to help be, nor is the idea designed by the founders to be a steady source of value. It can be a tool used on the Augur platform to precisely statement the results connected with the events. As the name suggests it is recommended as a store involving standing for those confirming the facts. The Augur team has made thei clear in the following declaration: �REP is a good symbol that comes using both responsibility in addition to reward; it is not a foreign money. � Muddying the oceans somewhat is the particular fact that in some ways REPETITION does take action like a money, owing to the fact the fact that it is publically bought and sold and has a fiscal cost. This is required since buying REP bridal party is the just approach to access the News reporter fees generated by this system. That said, this also needs to end up being mentioned that owning REPRESENTATIVE tokens at this level should be considered really speculative and risky. Considering that the network is still around beta there is virtually no way to say having certainty how much will be generated inside of stock trading fees. Speculation is that the Media reporter pool will ultimately obtain 0. 5% in the trading fees. It is furthermore impossible to judge the demand for any predictive market place such as Drill, thus there is no method to know from this time how much are going to be produced in stock trading fees. The Augur staff has even speculated the fact that for the 1st yrs these fees can be zero more than pennies for each ASSOCIATE. Price History regarding REP The Augur ICO was held in August 2015 on which moment eight. 8 million REP tokens were being distributed. You can find at the moment 11 million REPETITION bridal party in circulation, which is this total amount that can ever always be created. Promptly following the ICO this REP token traded concerning $1. 50 together with $2. 00. Since that period the particular coin has observed a few essential price raises. The initial occurred in conjunction with the beta let go of Augur throughout Mar 2016 and saw price trade just over $16. 00. The next spike was in October 2016 as soon as the ICO tokens were published to investors. At that time price moved to just preceding $18. 00, but rapidly retreated while many ICO option traders broke up with their coins for a fast profit. This is a widespread happening in cryptocurrencies when ICO coins are released. The third price tag spike occured in 12 2017 and January 2018, when price traded in brief above $108. 00. At this time there was no relevant media to cause this increase, but quite it took place together with a general rise in cryptocurrency selling prices. Some have speculated that will the rise was caused by rumors of REP staying extra to Coinbase, but that is just gossip. Where you can buy REP Kraken could be the largest exchange for REP by level, thanks to the reality that they allow purchases connected with REP in BTC, ETH, EUR and USD. Kraken accounts for practically 25% regarding REP trading quantity. If you don�t want to employ the Kraken alternate a person can also purchase INDIVIDUAL at Bittrex or Poloniex, although only using BTC and ETH. This means that purchasing BTC or ETH on one more exchange plus then transferring to help Bittrex or maybe Poloniex. If you don�t come across any of these swaps appropriate you can look at Coinmarketcap. com to view what other exchanges offer stock trading in ASSOCIATE. Where to help store REP There can be no pre-installed pocket book support for ASSOCIATE around the Augur podium, but you may make use of either the Exodus Budget or Jaxx Budget, both equally of which help REPETITION along with the range of other cryptocurrencies. Augur recommends using some sort of frosty storage wallet to maintain your own REP. Otherwise the Ledger Nano S components budget is as well an excellent secure alternative to online and desktop wallets. In Final result Augur was first one connected with the first serious blockchain projects out there, in addition to one of the initially to use the ERC20 expression and Ethereum market. Even so, it remains inside beta form after practically several years of advancement. Possibly this is a positive plus the launch in the recognized Augur main internet will definitely come with enhancements and even efficiency not really even rumored. Or maybe it�s a negative as well as team just simply can�t fully grasp this project accomplished. If factors do get as thought out, the Augur team says they assume the platform to be able to eventually replace the need regarding centralized option and futures investing, and the decentralized marketplace might be used to be able to trade everything from commodities to stocks. With often the the latest price decline Augur could very well possibly be going to be able to elder scroll 4, or could be a huge discount. If history is any guide the ASSOCIATE endroit should see a enormous spike when Augur releases the official main online later this year.

[letsimportanttreecollection-blog]

Considering leaving Allstate Auto insurance, anyone have a suggestion?

"Considering leaving Allstate Auto insurance, anyone have a suggestion?

It seems that Allstate is a bit expensive, of course I know it's based on what type of car and such. I wanted to know if anyone has better experience with perhaps State Farm, Progressive, etc...?

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

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I was involved in an accident in 2011. I was going straight past an intersection and another truck going the opposite direction turned at the intersection, striking me. He admitted he did not see me and was clearly at fault. I filled out the police report and it states, by both parties, that he was at fault. A year later I bought a new car. I tried to get insurance. Everywhere I go my quotes are sky high, like almost $200 a month. I asked them why so much, and they advised I was listed at fault in the accident. I called the DMV, the insurance adjuster, and the police, and they all say I am not at fault. Well, the DMV says they see an accident but it does not show who was at fault. The insurance companies keep saying they are getting this info from the DMV but thats not possible. I was told by one small insurance company that this is a tactic used by companies. They see me as not at fault but try to manipulate me to get more money. What do I do to clear my name? I have the official police report, as well as all my medical bills from the accident. Again, the DMV cannot see any at fault, therefore cannot do or change anything.""

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Here in Utah, it is law that you must have car insurance. I'm wondering though, what if I borrow my father's car, and it is insured, but I am not an insured driver, how does this work? Is it fine as long as the car is insured? I might not be an insured driver but does that still fulfill the law? If not, why do people borrow cars all the time?""

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When in reality its making it more expensive for the middle class?

""Turning 17 in a few years time - group 20 car insurance, how much would that cost??""

as above, please answer, i know im being a tad bit ambitious lol (1995 aston martin db7 fh 2dr coupe) WOOP WOOP!""

How much would a private insurance agent make in Connecticut?

As in selling every company's insurance and working from home.

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he jus got his license a few days ago?

My insurance quotes make no sense...?

I've been checking out some insurance quotes, I did a few thru progressive and got some weird results. First time, on a 2002 BMW M3 I got quoted $140/mo for full coverage (I'm 18, completely clean record), went back through to see if I could get the same result: got $199/mo, same information and everything. Why the change? And THEN (this is where it gets weird...) I checked my 97 Corolla (my DD/beater) and I did only that car on the quote, they wanted $240/mo. I'm really confused right now. Any advice?""

How does Progressive compare your insurance rates with top companies?

How is that possible? I've applied for Progressive quotes before (and wasn't impressed at all), but how are they able to do that? Insurance companies all have complex formulas that are used to calculate rates using several factors, including driving history, location, credit, household drivers, vehicles, etc. Unless they have robots online that steal competitors' bandwidth and automatically fill out the forms, it doesn't seem possible. If that was the case, you would think other companies would block Progressive from abusing their servers. Any ideas?""

Considering leaving Allstate Auto insurance, anyone have a suggestion?

It seems that Allstate is a bit expensive, of course I know it's based on what type of car and such. I wanted to know if anyone has better experience with perhaps State Farm, Progressive, etc...?

Car insurance for diabetics?

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

""A good car for 2000, Cheap to run but not bad looking.?""

Right as the title suggests. I am looking for a new car which is a cheap insurance group (7 max) and a cheap tax band. theyre would be leeway on the right car. Now it has to be good looking i am a 23 year old bloke and don't want to be driving anything boy racerish equally anything which is quite old looking! If anyone can help, many thanks :)""

Who offers affordable home owners insurance in south florida?

trying to buy a house in south florida and I need a good and affordable company for my home owners ins.

Should insurance cover repair cost?

My cars engine is having a problem. It takes like two tries to start it up and it's a new car. So will my insurance cover the cost of repairing the car?

High School Sport Insurance?

If i want to join track for high school as a freshman and i don't think i have health insurance... do i need it to join?

Do most parents pay for their children's car insurance?

Ok, don't rant at me, I'm asking this question innocently. Basically, I want to know if it's common for parents to pay for their children's car insurance (I'm thinking of those 17, 18, 19, etc. who just passed their test and haven't moved out), or if the child is usually made to pay it themselves? I don't know if part time jobs will cover the cost or what (especially as I imagine they will usually pay for their own petrol), but 3000 a year does seem quite a bit for a teenager to be able to afford. And seems like more and more youngsters are getting cars... I don't think I would expect my parents to pay for mine when I pass my test, but then again I don't know how I'd be able to afford it myself either... So I'm looking for some insight on the topic.""

""How much does fire insurance cost, building damage insurance cost, more on details?

1.) Fire Insurance 2.) Building Damage Insurance 3.) Property Damage Insurance 4.) Any other insurances out there? Please name some for me. The building is 1000 sq. feet with only one floor. How much would insurance cost? HOW MUCH MONEY PER MONTH? Thanks so much!

What is the best insurance company to go through for motorcycle insurance?

What is the best insurance company to go through for motorcycle insurance?

""50 in a 40, first ticket ever. Insurance?""

I got a ticket for going 50 in a 40 tonight. My gas was PASSED E, and I was turning into the gas station. I realize that doesn't do anything for my case. I'm 17. I've never been in a wreck, never been pulled over. The cop (who is a friend's dad) said that I go to court Oct 1 and if I'm eligible for Defensive Driving I can take it, and it wont go on my driving record. Question is, does this affect my insurance rate at all? I pay my own insurance. I have State Farm.""

""How do I find affordable, personal health insurance at age 54?""

Kaiser would not take me back, after I had lapsed. I am normal, with aches and pains of most anyone, but afraid of being denied coverage at any new application!""

Will geico insurance rate go up from storm damage?

My car got hit from a piece of tree/brances and scratched and dent it a little, will insurace go up?""

Camaro Vs. Mustang which is cheaper?

Camaro vs. Mustang which is affortable? Would a 2012 Camaro Coupe more affortable than a Mustang 2012 Mustang. By affortable i mean like insurances/ gas/ and all that other stuffs. Which one is cheaper in total to own? TY

I want to start a health insurance company how would I go about doing that?

I want to provide people with an affordable insurance that will also pay fair rates to the pharmacies and hospitals. I used to work for a pharmacy and saw how if the customer got a good price on a drug then the pharmacy got screwed over and vice versa. This needs to change, please help me make that change.""

How does replacement cost insurance work?

I have a 25 yr old harley davidson, and the insurance says full coverage will pay what the county values it at on your tag fee. (like, 800$) I also have a 67 chevy van that is valued at 300$ by the county. Obviously, full coverage is not intended to cover antique vehicles, as the annual premiums are far more than they want to give you should something happen. So what kind of insurance do you need to make you whole again? or, pay the true worth of your vehicles should you be hit by someone or your vehicle stolen?""

How much will it cost me for insurance and plates etc..?

im buying a 94 supra twin turbo for $18,500. im getting a loan from the bank for the car but what else do i need after i buy it? how much do i need? should $600 be enough for all that stuff?""

How much will insurance cost?

I'm a 18 year old got g2 and about to buy a 1999 Hyundai Tiburon Living in Toronto About to be a college student The car is a Automatic, Kilometers 196000, Coupe (2 door), Front-wheel drive, no mods on the car and it is red. How much will the insurance cost thank and if you can tell me the best insurance company thanks Can you tell me by monthly thanks""

Are there any insurance companies that will cover pregnancy in texas?

I am 7w4d pregnant and without health insurance. I have been getting check-ups at a local clinic but I really need to find a doctor. I have not found an insurance policy that will cover maternity costs though. I've heard Medicaid has strict eligibility and is almost impossible to get if the dad is present in the baby's life,which in my situation he will be. Does anyone know of ANY insurance policies that will cover pregnancy?""

Liability Car Insurance?

What exactly is it? And can anybody drive my car with it? Like, if I had my name on the insurance, can my younger sister drive it still and she'll be okay as long as she doesnt get into an accident?""

Monthly motorcycle insurance in Ontario?

Hello there, I'm 16 and live in Ontario, currently have my m2, what would be my monthly or annual insurance rate for a 600cc sport bike or a vespa scooter? Is there an average rate? An approximate would really help, thanks.""

Car insurance fraud am i paying too much ?

we got a new car out of the dealer and as u know it requires u to get full coverage.we went to are present insurance witch i had my 3000gt i asked if i could add the new car the guy who got us the insurance,he told us we needed to pay down payment again witch is weird when i wanted to add my 3000gt to my dads insurance they did not charge the down payment.but we also dont have licence and shes 23 and i am 25""

Car insurance for the young?

any body know where to find cheap car insurance for my son aged 17 tried the usual site ie compare and money market.com just got him a 1999 1,2 corsa i have ten years ncb on my own car the wife has been on my policy for 7 years with no claims the corsa is going to be registred in my wife name thanks very much""

What is the cheapest car insurance for a teenager and how much does it cost?

What is the cheapest car insurance for a teenager and how much does it cost?

Purchasing car insurance?

I want to find an online quote to see how much I may be paying for future auto insurance. But some sites ask for vehicle information. I haven't bought the car yet. But don't you need proof of insurance in order to purchase a car? I'm confused. How do I go about this?

Are there any affordable insurance companies out there for carpenters?

i need to obtain general liability and workers comp. to start my business. looking for affordable insurance in louisiana, (preferrably in baton rouge).""

What happens to my insurance costs when I go from provisional to full licence?

I am currently learning to drive on a provisional licence and insurance in my own car. I have paid a premium for the provisional, but shouldn't need it for much more than 3 months hopefully. So what happens when I pass my test? Will this insurance be upgraded to full insurance and will there be any extra cost? Admiral if that helps. Thanks in advance""

Considering leaving Allstate Auto insurance, anyone have a suggestion?

It seems that Allstate is a bit expensive, of course I know it's based on what type of car and such. I wanted to know if anyone has better experience with perhaps State Farm, Progressive, etc...?

Pagani Zonda - how much to insure?

My hubby and I were watching Top Gear the other night and James May was testing the Pagani Zonda. Does anyone know, out of interest (or to be honest to settle an argument!) roughly how much the insurance premium would be on this type of car? Thanks!""

How much average does a family of four pay annually or monthly for health insurance?

I'm currently in the military and plan on getting out in 3yrs. I have an EF but people in the service forget about health insurance (because its free now). I want to set my family up. Just wondering what would I be looking at paying when I separate for a family of four so I can start saving

Car insurance for 17 year old male?

I am learning how to drive, and am looking at what cars would best suit me in terms of cheapness and how cheap to insure. I have looked at a few online quotes for a few cars being, 2001 peugeot 206 1.1, ford fiesta 1.2 1997, cheapest was 4 grand from post office. I know i haven't pasted my test yet, but i want to have a rough idea how much it will cost me. These quotes are madness i cannot afford that, i will be paying for this car myself and insurance myself, i work part time and will have to save. Is there any special classes i can take that would lower my insurance? I have heard of special night classes or something along those lines. What cars would be best for me looking at? Also are older cars or cars with higher mileage cheaper to insure? Many thanks :)""

How can i Switch to another health insurance?

my son has keystone mercy for his health insurance but i totally forgot that the hospital he was born in doesn't accept that insurance they accept americhoice and i want to switch but im worried because i don't if americhoce would pay the bills from when he was born!!!! help!!

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

How much does canadian car insurance cost for a 20yr old male NEW driver for a used CAR or used SUV?

Just give me an estimate for a car or an suv in canada. Just an estimate. I know its different for all cars and suvs but just give me an idea obviously the differences CANNOT be thousands and its gonna be in a certain range. if u can give me a range fine, give me a range im just a new driver and male, 20. these stupid car insurance companies cant even give me that much its not like im going to be paying 9000$ instead of 300$.""

I have progressive and how much do you think the insurance would cost to get my son a 2013 Camaro v6?

He has no tickets and has As and Bs in college. Its a boy.

When should you not carry full coverage auto insurance?

When should you not carry full coverage auto insurance?

How much would auto insurance cost me?

I am 19 years old and I do not have my license yet. I have been holding of for a while because I know that I will not be able to afford the insurance right now. My dad does have insurance and when I do get insurance, it will be on his policy. Although I know it will be alot because I am a 19 year old male, I really cant guess how much approximately it will be. Also, how much would it be if I were to get my own car and car insurance? ( something small and used, nothing fancy). Any help would be great. Thanks in advance""

Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""

Do you need insurance for a day when you buy a car?

I m planing to buy a car and i want to know if i need insurance just to bring the car home, a one day insurance or something like that??""

Appeals for insurance company?

i was wondering on average how long does it take for a car insurance company to process appeals if someone knows it would be greatly appreciated

Whats the best way to check multiple car insurance quotes at once?

last time i got car insurance, i went to a broker type place, there, the guy used a website to find me the cheapest car insurance, do any of you know which website this is?""

How can I get car insurance without a guardian?

I live with away from my parents, Im almost 18 but not there yet. How can i get car insurance without having a guardian?""

A GOOD first car that is great for insurance?

i need a car that will b a good first car for a 16 year old male. it has to be reliable, safe, low cost, and has to have low insurance. any suggestions?""

Help in family health insurance in Indiana?

I have a family of 4, My wife and I make about $20,000 a year. Right now, we have to pay $350 a month for health insurance. We already applied for HIP insurance, but it've been 2 years, and they have no positive answers for us. I feel $350 a month is too expensive for us right now, this insurance only pay for us when we have to pay over $10000 at a hospital. For example, if we have to pay $14000 for health, we pay $10000 and they pay $4000 ; anything under $10000, they won't pay. Please help us with our situation, Are there any other options out there. Thank you very much""

What is the best kind of life insurance?

should one buy to take care of their final expenses . What is term life ins? I am in my 60's and don;t want to burden my children to have to pay for my funeral someday.

What is the average cost for car insurance for a first time driver and where can I get it?

What is the average cost for car insurance for a first time driver and where can I get it?

What kind of insurance to get?

I come from a low income family and my health insurance is called Healthy Families. Its really basic and only covers check ups, physicals, and other things in community health clinics. I have several moles I that I would like to get checked out at a dermatologist and some help with my acne as well but I hear that dermatologist visits can get expensive. What kind of insurance can I get that won't break the bank?""

Cheaper car insurance?

I'm was just checking the insurance (third party only) for a Renault Clio 1.2L, 54 reg and the prices were like 3500-4500!!! That's more expensive than the car itself. I thought that for a relatively small car the insurance wouldn't have been that expensive. Bearing in mind that I've just passed my practical I still think these prices are ridiculous! Is there any way I can make the insurance cheaper? Thank you!""

How much will my liberty insurance go up?

i'm 17, have had my ma junior operators license for 10 months. i was driving home, when in a thickly settled area i saw a motorcycle getting ready to pull off the sidewalk, i was keeping an eye on him to make sure he wasnt going to pull out into my lane, when i looked up and saw that the car in front of me had come to a dead stop, at a greenlight, bc a pedestrian had taken a step into the crosswalk. my vehicle hit the one in front of me, which pushed into the one in front of him. Pretty bad damage, speed was around 25-30mph. Right now i'm listed as an occasional operator on my dad's insurance (clean record). Its liberty mutual, just curious how much itll increase per year since im young. i wasn't cited, no injuries.""

What type of insurance i need for a driving test does it have to be a full coverage?

do i need to bring a vehicle with full coverage insurance or could my car that only has a cheap insurance plan work for the DMV's driving test

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

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

I need help with Car Insurance... Please!?

I am a 17 year old male in the UK and have just passed my test on september 2012. I cannot get insured anywhere because they are all charging me at least 500 pound a month to be insured on my mams car (Corsa SXI 2002), i cannot afford this... obviously. I have tried almost every car insurance site and i cannot seem to find any cheaper than 500 pound a month! It is very frustrating because i am a very sensible driver. I need some help!!! Is there any cheap cars that i can buy that will make the insurance cheaper? Can you recommend any cheap or used cars that have cheap insurance for young drivers? Can you recommend any good insurance sites for young drivers? Please any help will do!!! Thank you""

Estimate on drivers insurance?

Hello, i'm 16 years old and about to get my license any ideas on how much insurance would cost me? My family has Allstate and i can qualify for the good student discount.""

Considering leaving Allstate Auto insurance, anyone have a suggestion?

It seems that Allstate is a bit expensive, of course I know it's based on what type of car and such. I wanted to know if anyone has better experience with perhaps State Farm, Progressive, etc...?

https://www.linkedin.com/pulse/insurance-quotes-ontario-cheap-mia-faber/"

[adeleymccormick1990-blog]

auto insurance age 25

BEST ANSWER: Try this site where you can compare quotes from different companies :insurance4carquotes.xyz

auto insurance age 25

auto insurance age 25-30 Get affordable term life insurance only in New Mexico. underwritten on a health care costs, dental benefits and specialty health benefits . auto insurance age 25-50-64 is when you may have the opportunity to extend his or her policy and the price to get your rates to match at least the policy you are buying. If you have two vehicles and two lives on one vehicle – including your teen drivers – then you can extend your current policy so they are covered with your new car insurance policy to get the most coverage at a lower price. However your rate for your auto insurance policy may increase if you have an accident that affects your vehicle, like an accident that hurts another vehicle or damage to the property of your family. When you are young you don’t have to wait out the insurance company for a rate comparison to make sure you aren’t stuck paying the high price that you should have been paying for a similar policy. While you may not find it necessary to get from a specific insurance company right now, that doesn’t mean you should. Get a free car insurance quote at your peril. There is no such thing. auto insurance age 25. Age 30 - 65 Auto insurance companies may offer discounts for drivers age 30 or older, depending on the age of the driver, so it’s often recommended to get more than the state minimum of any type of insurance. Coverage for If you have a newer car, you might be able to find cheap basic liability auto insurance through your employer. You’ll get a discount if your employer also provides car insurance for a leased car. If you want to pay less, though, you can also get discounts for having multiple vehicles on one policy, and getting your car reported to the National Highway Traffic Safety Administration when you make a claim. Get a Get a About the average cost to insure this type of policy: $1,000 basic liability and collision $300 basic liability $500 basic liability $1000 basic liability $500 basic liability $750 basic liability $850 basic liability $1000.

How age affects auto insurance

How age affects auto insurance rates is . It is estimated that there is an average age for auto insurance, which is 18 years. As the average age for auto insurance increases, insurance carriers may decide to charge younger drivers less for insurance coverage. In general, older drivers may be paying more for insurance coverage than younger drivers. The table below shows the various insurance companies, including the average rate that a 16-year-old driver pays based on their age. Young drivers pay the highest rates, with an average monthly rate of $2,500. This rate is approximately $12.22 a month for a full coverage auto insurance policy. For younger drivers who don t live in their mothers and fathers homes, rates can be higher. Auto insurance companies charge young drivers a higher rate for cheaper car insurance coverage, and, as drivers age and gain more experience, lower premiums are often required. Car insurance rates are likely to be lowered once a driver turns 22, but car insurance rates are not usually set until after the.

How car insurance rates could go down at age 25

How car insurance rates could go down at age 25. But when you’re 18, there are many variables that an auto insurance company must consider, and you can expect your rates to change. That’s why it’s smart to get a new quote based on personal factors like your age, where you live and how many miles you drive, among other factors. According to a recent study by Forrester Research, average annual car insurance rates in Colorado have gone up by 7.4 percent for the last 10 years. But prices change a great deal if you know where to look. As far as personal factors go, young drivers pay a lot of money because they lack in experience behind the wheel and don’t tend to drive the most efficient cars. That means younger drivers’ car insurance premiums may be slightly lower than older drivers’ rates. And if you have a few violations or a lower credit score, your rates may go up as well. Drivers with bad credit tend to pay more for car insurance,.

Does Your Personal Auto Insurance Cover Rental Cars?

Does Your Personal Auto Insurance Cover Rental Cars? If your auto is financed by another company, its license plate can be covered by . These coverage options should apply whether or not your personal auto is insured. Rental car insurance coverage will usually cover your personal vehicle. But Rental car insurance is for when your personal car isn t insured. Personal cars don t normally carry a cover letter—and so aren t covered by personal auto insurance. Here are some of the more common reasons people don’t carry Rental Car Insurance when they have a personal car on their own: Rental cars are covered only on the car itself, so the car is a commercial, not owned in-house. This coverage is the most basic and standard type of coverage a driver will have. Coverage may either be for the insurance or the car itself. In many cases, the driver’s liability coverage applies to the damage done to the personal car in collision with the rental car. If, however, that individual’s insurance limit does.

How Much Car Insurance Do I Need?

How Much Car Insurance Do I Need? There is obviously nothing new in auto insurance, and as the rates increase the cost of coverage is always going to increase. There have been many years of increasing premiums for motorists and auto insurance companies. The problem now is a spike in premiums especially on older vehicles. If you are trying to purchase auto insurance then it is important that you review your car insurance policy options carefully, because the premiums can almost drive you into all kinds of financial ruin. The last thing you should be thinking about is your financial future. As mentioned above, you should always check and see if your auto insurance rates change as much as you want to see. You will need to do a Google search for this exact phrase, and you might even use it (we hope below). Then again, that simply doesn’t happen for anyone. If you’re going to buy a new car or have a car that’s less than 5 years old then you might want to check your insurance for 5 years for.

25-year-old car insurance rates: male vs. female

25-year-old car insurance rates: male vs. female teen driver rates for 10+ companies: USAA, Progressive, Farmers, GEICO, GEICO Insurance for 15-year olds: USAA Insurance for 15-year old female driver rates for 15+ companies: Geico Insurance for 15-year old male driver, rates increase depending on the zip code: Teen versus male adult female car insurance rates vary depending on gender: Geico Insurance for 15-year-old married couples: Nationwide Insurance for 13-year-old teen drivers with low credit scores, rates increase for more young male drivers than car insurance for older male and female drivers: Nationwide Insurance for 15-year-old male drivers with poor credit, rates increase depending on gender: AGE Insurance for 16-year-old drivers with DUIs and multiple accidents reported, rates and coverage changes for teen drivers in general are the same as for older male and female car insurance. Rates and rates changes after a DUI are.

Car insurance rates by state

Car insurance rates by state. “Average” is a general ranking of the insurance rate you can expect to pay based on several variables including your age, driving record, and ZIP code. When calculating rates by any type of insurance company, the first number you should look at is your average rate for your car insurance. However, there may be some discounts and/or special auto insurance discounts for which you may be eligible. If you have a clean driving record, you may qualify for car insurance discounts such as safe driving, having a defensive driving course, having a good driving record, or enrolling in a defensive driving class. As a general guideline, you are going to pay about the same amount of money you would expect to pay based on your driving profile. To know more about what your state requires of you as a driver, you can learn more from the . All insurance products advertised on are underwritten by insurance carriers that have partnered with , LLC. HomeInsurance.com, LLC may receive compensation from.

How Much Should I Pay for Car Insurance?

How Much Should I Pay for Car Insurance? According to a recent study done by , the average price of car insurance in Oklahoma is $1,327. That said, in some instances, your rates may be higher or lower depending on how you structure your coverage. To get the biggest discounts, the best way to find cheap car insurance is to compare as many quotes as possible. Take a look below how you can save: There are many factors that determine car insurance rates. Understanding those factors, then, is the first step to helping you make the best car insurance policy for the cheapest cost. The table below shows how the three insurance companies in Oklahoma compare based on numerous factors including driving record, age, and vehicle. As you can see, there are some very competitive rates. Remember, these are rates based on a combination of factors. So don’t expect your age to determine how cheap car insurance is for your car, and that may even be a big factor in determining what rate you can find. As you can see below,.

Average Car Insurance Rates by Age and State

Average Car Insurance Rates by Age and StateCoverage TypeYear OldestClaim Percentage20-49Year Old$250$250$500$750$1000$1500$2000$5000$10,000$20,000$40,000$50,000$100,000$250,000$300,000$360,000$350,000$390,000$450,000$450,000Rates Per Month$48.70$86.09$153.70$135.20$154.90$157.94$157.63$160.30$171.81$185.81$208.10$212.43$236.68$232.34$241.34$267.85N/A$288.90$314.70$305.60$328.50$324.10$326.50$329.80$340.82$346.15Rates Per Month$47.83$89.67$154.35.

Car insurance for 25-year-olds

Car insurance for 25-year-olds, which is cheapest for drivers with bad credit, was as follows: When shopping for car insurance, seniors in Tennessee may want to look at these insurers for their senior rating: Name* Age ............. Height ................. Weight...... ........ .......... Below is a look at age and driving habits of young adults in Tennessee who are buying full coverage policies. The average insurance rates for young drivers in Tennesseans are more than twice those of older adults in the state overall. For instance, in Tennessee, a 25-year-old Texan can expect to pay $2,093 per year for auto insurance, while a 40-year-old Texan will pay $2,083. Drivers in Nashville, Tennessee, can compare quotes for minimum coverage, full coverage and both PPAs. Both are from two companies that offer car insurance quotes based.

Lesser-known savings for car insurance

Lesser-known savings for car insurance are listed below. Insurance Cost Savings(During Open Enrollment) Auto insurance premiums rise and fall according to where you live, your vehicle type and driving history. The amount you pay for car insurance depends on several factors, including your driving record, your age and credit history, and more. Some of the factors that affect your car insurance premiums include your age, marital status, your driving record and any violations or DWIs. We’ve all heard the catchy slogan, “I pay too much.” This isn’t exactly true. But, if you overpay for car insurance, you could be committing insurance fraud. Most car insurance companies will ask about your “ driving record,” which will be used when you pass away and your loved ones should find themselves facing financial hardships after you pass. The reason you pay more for car insurance, however, is because the insurer is taking on more risk. This means you could be committing insurance fraud..

[celiarollins]

renters insurance new york state

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[rigelmejo]

Someone please come chat with me about how you’re studying Chinese! Please I would just love to hear about everyone’s individual approaches! Or send me off to some area where people chatted about this, please, so I can check out some varied perspectives.

(Under the read more is just my personal experiences with some study methods, feel free to ignore it if you want. Mainly I’m curious about what other people are doing to study ^-^)

I... am considerably interested in the massive immersion approach, as might be obvious by the various posts I’ve made looking into it. I just... I really am personally not a flashcard kind of person, and that method (along with methods like AJATT, like the 10k sentence method idea etc) all really heavily tend to rely on using SRS flashcard systems. It’s hard for me to find examples of people trying that approach, but substituting heavy flashcard use for something else. I found one polyglot who makes herself a list of words studied, and reviews/quizzes herself on it, and that was the best example I could find of a person who did not use srs digital flashcards. Yes, I am aware spaced repetition systems are designed to help people remember easier, and study more efficiently by only when they need to study to create and maintain long term memory. I know this, and I recognize the value in using them. I’ve seen personally how useful SRS flashcards can be - the first 6 months I ever used them, they boosted my reading ability in japanese more than Genki 1-2 and 2 years of self study did. (Although I’d also argue I had really poor self-study methods I was using at the time, before I discovered a nice structured SRS flashcard course to follow which was about as structured as a textbook to be honest.)

I have a really difficult time focusing on flashcards. It can take me an hour to look at 10 flashcards because I struggle with focusing on them, and remembering them, so much. So while SRS has its benefits, if it takes me an hour to get through 10 cards, its not very effective for me personally. Every several months I’ll manage to get the focus necessary to get through 1 flashcard a minute, and during those times I GRIND through hundreds of flashcards while I know I’m capable of doing so. As you might know, grinding isn’t exactly the most easy way of getting through SRS oriented study plans - usually its suggested to study 5-20 cards a day, and keep your reviews manageable and short. But I’ll do 20-100 new words, then have 300 reviews, etc. Then, of course, once I lose focus again I’ll still have ‘500+ reviews’ and just stop doing cards for a few months until I can find a way to get myself to focus on cards again and get it to take less than 10 minutes a card. 

I can happily say though, even with my very inefficient way of using SRS flashcard systems, they’ve STILL managed to help me retain information quite well, and I still found them useful for learning a bulk of necessary information quickly - so I’d say go easy on yourself if you don’t always keep up with reviews or consistency, it tended to work out for me as long as eventually I did do some more... regardless of when I eventually did some more. For one deck I went through 100 a day, and didn’t even do any reviews until after I’d gotten 1/2 way through the deck at 500 words. Then I did reviews for a couple days - reviews of 100s of words I was now familiar with were easier than the initial study sessions. Then I stopped reviewing again, and chugged through 50-100 more new words a day until I finished the other half. Then, finally, I reviewed again. And finally, I started doing those flashcards at a realistic pace - 20-50 reviews a day, when I had time, low pressure. Now that specific deck gives me 20 reviews for every few days, after having finished it a month ago. I know pretty much all the words in the deck. So at least in my own experience, yes I could go through it in a way SRS flashcards decks are not meant to necessarily meant to be gone through, and still managed to learn from it. So, as usual - any way I can get myself to study and learn, is better than giving up. And this was how I could get through it. I just cannot focus on flashcards except for once in a while. 

So, at the time, I decided to chug through the words because I wanted some familiarity with those words ASAP. Because I wanted to watch shows and see the words in shows and RECOGNIZE them, and I’m sure in a way seeing the words I just studied, constantly appear in my shows, was a form of spaced repetition. I know myself... and I am much better at focusing on DOING real things with a language, even if its brutally hard. Even if it’s brutally hard, I can focus for a few hours. But if it’s flashcards? I am not kidding when I say 70% of the year or more I literally take 10 minutes to learn a flashcard, otherwise I repeatedly completely blank on what I saw on the card, and so it takes me 2 hours to get through a 20-25 ‘learn new words’ on memrise. Whereas I know if I’d been struggling through a book I would have looked up 20 words in several minutes, if I’d been watching a show I would have looked up 10-20 words in 40 minutes. So... my goals for srs flashcards are usually just to chug through those resources when I have the ability to focus, with the intent to be moderately familiar with the content (vocab/grammar/whatever). Then as soon as my steam runs out, hopefully all that familiarity will pay off as I go back to what I’m good at focusing on - watching, listening, and reading. 

With study books its a mixed bag. I had more success learning 500 hanzi, by forcing myself to read a reference book, then I would with flashcards. Because at least I could get through 20 characters in 20-30 minutes of reading (again, faster than my slow 10 flashcards an hour pace that’s most common for me). But with reading, there’s no SRS system to help me study to effectively remember. So I generally just hoped the characters I studied popped up in my reading/watching. I also occasionally opened my character reference book randomly, and read or reviewed or skimmed random pages. Now I know 90% of the characters in that 800 character book. Even though most characters I only read once, or skimmed and never even fully focused on studying. It was a combination of being exposed to them in my reference book, then in reading and show subtitles, then seeing them once in a while in the reference book again etc. I have a 2100 character reference book too, and it’s the same case for that book. I forced myself to read when I could focus (because it was faster for me than looking at flashcards), and then just skimmed it a little when I couldn’t focus, and used watching/reading to reinforce the characters I’d seen. I learned fastest on the weeks I purposely read X character entries per day, consecutively. Because, of course, studying the characters in the reference book first made them easier to learn later in watching/reading. Whereas the characters I saw first in watching/reading, and only skimmed in the reference book later to mark them as ‘known’ now that I’d seen them - I had less of a pre-read ‘foundation’ on those characters. 

So if anyone else does this, I really would recommend following these book’s general advice of ‘read a new chapter regularly, and in a few months you’ll learn these characters.’ Because I only thoroughly read some chapters, and that’s a major reason I still don’t know all the characters in these books - because I was a bit chaotic about how I read the pages in them, after I got through the first several chapters. Anyway, my main point though - because I could not usually focus on flashcards, I found reading reference books plus immersing every day to further get context, helped me learn at a reasonable pace.

I don’t care if I learn a bit slower without SRS flashcards. I see SRS flashcards as a crutch for myself because I know my ability to focus on them is unpredictable and rare. I personally cannot maintain a study plan where I’d do sentence mining SRS flashcards as 1/2 of my entire study plan. Because that 1/2 of my plan, I would suck at for a majority of the time. I know I could keep doing it occasionally, every several months when I get the burst of ability to focus long enough to grind through some flashcards. But that is not a good ‘consistent’ study method for me.

I would love to hear about people that don’t use flashcards for the most part, and what they do to study. Because maybe there will be methods useful to me in that area, that I don’t know of and can apply. A reason I’ve generally liked Steve Kaufmann’s learning ideas is because he’s mostly focused on reading/listening, looking words up, then doing it some more. He doesn’t usually use flashcards (although he does sometimes to drill through something fast, because after all they can be useful and help with progress). He mostly tries to increase his knowledge through exposure and looking things up. Which is something I am much better at focusing on consistently. 

It’s very much what I did in French - I never used a single flashcard for French (which was great! I am miserable when I use flashcards). I looked up frequency lists - and read them, then just like my hanzi reference books now, I would go back and skim the lists or read new words on them every so often (every several days). And that was it. The first few weeks I consistently read through the list - which is when I am purposely trying to get myself to learn the word. Then after that, even though the list wasn’t done being read (it was 5000 words), I just glanced through it - reading some new words, reading some old words, skimming to see if I’d learned any. And the other portions of my time I was: reading through grammar guides, and reading French stuff and looking new words up in a dictionary when I couldn’t comprehend the gist of a sentence or paragraph. That’s it. Once I knew around 500-1000 words, I stopped looking at the frequency word list (except maybe once a month to glance at it). I read more instead, looking words up as usual. And I read a grammar guide in french once I could understand french better, to continue my french grammar studies. Then I kept reading French stuff... and eventually over a year in I just stopped looking up most words, because I could figure out a majority of ‘confusing’ words through context. I never had to use flashcards...

I just would love to know if there’s a mass immersion approach anyone’s tried, or anything like it, where flashcards are minimal and abandoned once no longer absolutely needed. 

(I do think flashcards are VERY useful for the learning hanzi/kanji and the first 1000 words stage - I think that characters stage can take years without flashcards, and most people use flashcards to speed character learning up from years to a few months, and the first 1000 words in any language make immersing and learning from immersing much easier. So using flashcards to speed up learning those words is pretty worth the short term misery in any language - it makes the process take 1-2 months instead of 6+ months, it took me about 6 months in french to learn those words without flashcards and from word lists and immersion instead.)

What do people do instead of sentence mining? Can people do something instead of sentence mining? Please? Has anyone come up with alternatives? I do think sentence mining is a valuable and useful exercise, especially for learning new words and grammar in context. But if a person wants to abandon flashcards as soon as possible, what can they do instead? My solution for myself has always been - just read a ton. But is that fine? Is that good enough? Does anyone with more years of study experience know what’s worked for them? Please let me know.

Does anyone else have bad focus issues with flashcards? (Surely, I’d imagine, since so many study methods exist since different things work for different people). I’ve genuinely considered reaching out with the guy Matt who came up with the massive immersion approach, just to discuss if he’s got any ideas on alternatives to flashcard use for sentence mining. But I do think there’s a significant chance he’d suggest that the massive immersion method as he designed it, just isn’t suited for me/people who can’t focus on flashcards. Since being able to grind through flashcards and/or be consistent with flashcards is a big sign methods like MIA method/AJATT/10K Sentences will work for someone as a study approach. 

So anyway, please feel free to share with me the myriad of ways you study languages. I am deeply interested in how everyone approaches the task differently, and how well their plans work for them!

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*As an aside, if you ALSO are absolutely brutally bad with focusing on flashcards, I have a recommendation. (Or if you’d just like a possible alternative to flashcards). If you can focus better on reading (which is something I can manage), the following resources may be of interest to you. There are certain books written, to teach you words from context, and to slowly increase in difficulty to teach you more words/grammar. These books usually also keep reinforcing old words they introduced, so its a naturally created sort of spaced repetition to make sure you retain old things you studied from the book. The books are all full of sentences and long bits of text, so they’re providing you comprehensible input in sentence form to teach you new things (sort of like a non-flashcard sentence mining source). The only caveat is that these books are only available for some languages, and don’t always contain all the information you specifically may need to learn. I would personally be over the moon with joy if someone took the method of how these books were written, and wrote books using this method for some more languages, because its phenomenal. 

Examples of these kinds of books (which are sometimes found under labels like “the natural method”): Lingua Latina per Illustrata (probably the most famous example, still in use by some school Latin courses). le francais par la methode nature - a french version, which I’ve read half of, and which helped me so tremendously despite it’s age that I definitely recommend you check it out if you’re studying french. L'Italiano Secondo Il Metodo Natura - the italian version, which I’ve read some of and also seems incredibly valuable. There is an Ancient Greek book written in this style too. There is also one for learning English.

I haven’t found quite as specific a resource for Chinese or Japanese (although I genuinely WANT to write my own Chinese version based on the french book I mentioned above, because I wish it existed that much). But I have found books focused on teaching CHARACTERS that follow a very similar design of - introducing new characters/words, providing ample comprehensible input to read, and continuing this process for each chapter while still bringing up older characters/words so you don’t forget them. For Chinese and Japanese I made a whole post about books that do this. The DeFrancis Chinese Readers for Chinese characters (approximately 1500 characters covered, and a huge portion of words they combine to make). I’ve started reading these Readers and they’re dry reading material but incredibly effective for my learning style. It feels effortless to learn new characters, new words, and to improve my reading speed. Reading Japanese by Eleanor Jorden, and A Japanese Reader: Graded Lessons for Mastering the Written Language from Tuttle Language Library, for Japanese (covering at minimum 1500 kanji total, along with a plethora of words, and based on reviews getting through even the first half of the Tuttle book would prepare you for reading almost anything in Japanese except for very specialized text and historical text - and finishing the Tuttle book would prepare you for those final specialized reading areas). I have actually bought all of these books, I’m reading through the DeFrancis ones right now. The Japanese ones I plan to use when I go back to studying Japanese. (I’ll probably ATTEMPT to do Nukemarine’s LLJ Memrise course when I can focus on flashcards, since it really did help me tremendously last time I studied Japanese, and then use the other portion of non-immersion study time reading through these books).

All of these books I’ve just listed work effectively as study material as an alternative to flashcards, for acquiring the many common words and basic grammar of the language. They’re a good jumping off point to learn from immersion after these (or during if you’re like me and don’t mind how steep the challenge is for a while). For the Chinese and Japanese books, they work as an alternative to flashcards for studying the characters and SOME high frequency words (but these books aren’t aimed at teaching vocabulary that aligns with either JLPT or HSK, so vocabulary and grammar are areas you may still need to work on filling in the gaps yourself for).