#recently had a test that had very little instructions and i didnt know what to do so
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So i made this lil transparent worm-on-a-string Hiccup a while back
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Im leaving him here for yall to watch while i go do a Thing
Im sure when i get back he wont be in any precarious situations, or unsavory circumstances, or anything of that ilk
Anyways
Have fun
Ill be back
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sweetiejunie · 5 years ago
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Fantasy
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Summary: You’re the not-so-typical girl next door
Genre: Slight fluff, smut «60-70% is just smut»
Beomgyu x reader
—.*•—
A/n: this was the smut i was hesistant about posting. I thought about it for a couple weeks and decided to just post it •_•
[Note: If ure only int in the ‘smut’ part, it roughly starts at the —.✿ฺ— till the end]
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Beomgyu knew he recognised you from somewhere. He just couldn’t figure out where. The way you smirked, the way you played with your hair, all seemed familiar to him. But where?
That night soobin had invited him and yeonjun out to a diner with him and this girl he had been seeing, soyu. Apparently, and he quoted, soyu had ‘two hot friends that she met recently and thought a night out with everyone would be fun’. So in case you hadn’t figured it out yet, soobin invited them to some triple-date deal.
At first, beomgyu was reluctant to go. He didn’t like the idea of blind dating. The previous time someone had set him up with a girl they claimed to be ‘his perfect match’, the girl turned out to be the exact opposite of what he liked. She was loud, ill-mannered and overall just too childish. Honestly, he had no idea how anyone could have thought he would like her. Since then, beomgyu always preferred to choose the people he dated. But for some odd reason, he agreed to soobin’s proposal. Not sure why, but something told him he was going to regret it if he didn’t.
That’s how he ended up here, in a ‘U’ shaped booth with two of his closest friends and three, admittedly, really good looking girls. Aside from soyu, the other two girls were you and your coworker, Zoe. As these things would typically go, everyone would be paired up. In this case it was of course, soobin and soyu, yeonjun and you, leaving beomgyu with Zoe. Not that Beomgyu had anything against zoe, it was just that as the group started talking more, the contrast between you and Zoe’s personalities started to become more noticeable. Zoe was sweet, your typical girl-next-door, while you were more sly, mysterious. You were the girl every mother feared their son dating. Yet, something about you drew beomgyu in, something seemed like déjà vu.
Yeonjun was the first to point out this difference. “You know, you and zoe are pretty different, it’s kind of surprising you two are friends.”
“Y/N just started working at my salon recently and i dont know, the three of us just cliqued,” zoe stated.
“Where did you work before that?” Beomgyu asked you, hoping your answer could give some clues to his mystery.
“I just moved here from London last month,” you replied.
London, that’s one clue. Beomgyu made a mental note. You continued on about your story, telling them about, when you a teenager, how you had moved in with your grandparents and studied in korea until you graduated high school. How your parents thought your behaviour was getting out of hand and how they thought sending you abroad would someone solve that problem. In all honesty, they probably just didn’t want to have to deal with you anymore and sending you to an overseas dormitory seemed like a liable option. You were never a bad student, in fact you actually scored straight A’s and was always the too in your class. Your behaviour was what drew the line with your family, always getting caught skipping classes and trespassing on school property during the night. They were just done with it and sent you packing.
As beomgyu picked up each clue you dropped, he started to remember his neighbour when he was about 17. A girl that moved in with the elderly couple that lived next door and went to the same school as him. Rumours eventually spread about that girl. At school, he heard the students gossiping about her, saying her parents had threw her to live with her grandparents cause they didn’t want to deal with her. That in her previous school she seduced boys and slept around. Breaking school rules to the point of suspension, leading her here. Parents, including his own, were instructing their children not to befriend her and to stay away from her. The more beomgyu heard about the girl, the more intrigued he became.
Even though beomgyu was in a different class from her, just from all the talking, it felt as if he knew her. He saw her pretty regularly, in the cafeteria, in the halls and even at the bus stop, most of the time, if not always, she was alone. He felt bad seeing someone he ‘knew’ on their own but being the good child he was, he listened to his mother and stayed away. Of course, this made her an easy target for bullies, or so they thought. Every time they tried to pull a cruel prank on her, she never reacted the way they wanted. When they poured something over her head she would simple shrug and go to clean herself off.
When another girl talked behind her back, or straight up tried to insult her, instead of getting embarrassed or mad, she would laugh and reply with, “i know I’m a bitch. I never tried to hide it.”
Eventually, the bullying stopped and boys started wanting to get closer to her, something about her pulling them in. She however, never really showed much interest in any of the boys that threw themselves at her. Through her time in there, she never had any trouble getting one of the boys to be her ‘little assistant’ for the day, be it running to the nearest convenient store for her snacks or kneeling on the ground and tying her shoe laces. Any boy would have killed to be in that position, wanting to test their luck with her.
Throughout her time there, beomgyu never spoke to her. He never so much as asked for her name. But since they were neighbours, beomgyu saw her often, mostly on the bus, but he always kept his distance. Every now and then, students approached him asking for information about the mysterious girl, but he could never give them any, saying he didn’t know anything. People found it hard to believe, beomgyu was one of the most charming and best looking guys in the school, if he wanted to, he could get someone falling head over heels for him in minutes. But he knew better than to get involved with her.
She wasn’t the prettiest, maybe slightly above average at best. But her attitude automatically attracted people’s attention. The aura she possessed, one of power and manipulation. From what beomgyu had observed, she was a kind and friendly person and would have probably even made a good friend. But she had a strange way of figuring out what people wanted from her and then using it against them to do her bidding.
—.✿ฺ—
Beomgyu’s bedroom window faced out overlooking hers. On occasion, she would fail to shut her curtains all the way and beomgyu would look in, seeing a small section of her room, her figure walking past every so often.
One evening however, while beomgyu was studying, he suddenly heard a soft noise from across alley. Shocked, he snapped his head up. Only to see the curtains were still drawn. Looking out to the driveway, he realised the car that was normally parked there was replaced by a new black one. Thinking back, he couldn’t recall ever seeing the elderly couple driving it. It wasn’t their car. Intrigued, he continued to listen, hearing more noise which eventually he identified to be moaning. And suddenly they stopped, ending with a long sigh. Soon after, he saw her walking out from her house, in a plain tshirt, as she lead someone to the mystery car. It was a boy, one that he may have seen around campus before but never acknowledged. The boy placed a kiss on her forehead and entered the car, driving away.
At that moment, beomgyu knew. He cheeks grew red as he felt his pants tighten just at the thought. Shaking his head to rid himself of the thought, he looked back down, only met by her gaze. She had turned around and saw his silhouette at his window. Quickly crouching down to hide, he clutched his chest. He was screwed.
That morning, he feared having to face her again. She saw him, he was one hundred percent certain about it. He stood at the bus stop, his mind still a complete mess. Hitting his head with his hand until he noticed her walking out of her house. Immediately he froze, expecting her to accuse him of his deed. But to his surprise, she didn’t. She didnt so much as spare him a single glance. Part of him was relieved, but the rest of him was starting to panic more, overthinking what it could possibly mean. But maybe she didn’t see him afterall. At school, beomgyu never muttered a single word about it to the others. The thought of having o share what he knew wasn’t something he was very fond of.
That night, beomgyu laid at his usual spot on his bed, reading. Interrupted when the sudden light from her bedroom lit up the otherwise dark alley. Looking across, she had just taken a shower, she was in nothing but a towel, her hair wet and skin sprinkled with water droplets. He couldn’t help but stare at the sight in front of him. No matter how perverted he knew he was being, he couldn’t tear his eyes away. He watched as she entered her room, closing the door behind her. He figured next she would approach her window and draw the curtains, like usual. But instead, she sat on her bed, her back facing him. Placing her clothes next to her, she unravelled the towel around her, letting it drop and gather around her hip. Her bare back, now exposed to him. He knew it wasn’t much, but combined with the thought from the previous day, it was enough to get him worked up.
Not wanting to be seen again, he ran to turn his room lights off. He sat the edge of his bed, still facing her, as he started to palm himself. He studied her actions carefully, taking in the way she carefully dried herself with the towel, using a hairdryer to lightly blow dry her hair. He felt himself get harder in his sweats, just imagining what a front view would look like. Just as the thought came to mind, she stood up, towel falling on the floor, her rear end now on show to him. He wished how he could reach out and squeeze her with his hands. Sliding his hand into his boxers, he started moving his hand on his length. He felt as if he had a front row seat to the show that is your life. He continued jerking himself off as she continued on with her nighttime routine, struggling to keep himself silent. Eventually, she turned around to put her clothes on, allowing beomgyu to see her body clearly while she dressed herself. That alone got him to come undone, ruining his boxers as he continued to ride out his high. His hand lazily running along his now softened dick.
Again, the next morning beomgyu was terrified to see her. But once again, she acted as if nothing had happened. Whenever he passed her on the streets or in school, she always acted as if she didn’t know him. At this point, beomgyu thought he had gotten away with it. Cause he couldn’t think of any reason why someone would leave their curtains open, knowing that their neighbour is spying on then.
With the third night rolling around, beomgyu kept his lights off, using only his table lamp to study. Once again, he looked over, her curtains were open but today, she was just sitting on her bed, dressed only in an oversized shirt and panties, reading a book with her bedside lamp on. The lamp wasn’t the brightest, but it was enough for beomgyu to see what she was doing. He sat staring at her for nearly an hour, watching her switch between her book and her phone. Finally, she put her book down beside her. Beomgyu assumed she was probably going to bed until he saw her pull her panties off, throwing them on the floor.
He watched as she slowly slid one of her hand under her shirt, massaging her breast as small high pitched moans left her lips. His eyes widen, his mouth falling open. Immediately, beomgyu felt himself getting aroused. Moving closer to his window, as if one feet could get him any better of a view, his forehead was pressed against the glass. Her other hand moving down to touch herself. Beomgyu’s hand shamelessly moving to his own pants as she started pumping her fingers in and out slowly, as if she was teasing him intentionally. After a few minutes, she stopped, pulling off her shirt, exposing her body to him. Her hands going back to what they were originally doing. Only this time, he could see her kneading and playing with her breast as her fingers rubbed her clit. Beomgyu began stroking himself, eventually completely ridding himself of his pants and boxers, leaving himself bare for anyone to see.
Beomgyu closed his eyes, imagining that it was her hands around him instead of his own, the feeling of her small, fragile hands around his dick, pleasuring him. Suddenly, another moan escape her lips, causing him to shoot his eyes open, he stare falling back on her and how her back arched as she got closer to her high. Fuck, how much he wished he could jump over the alley and take care of it for her. The thought of roughly fucking her against her bedroom door, making her regret torturing him like this, even if she didn’t know it.
Beomgyu admired as her moans got louder, echoing across the alley, filling his ears, letting him bask in the sound. As he watched her fingers pumped faster, his hand speeding up its movement. His leaned against the window, not wanting to miss a second. Soon, he had to use his free hand to muffle to sounds of his own grunts, feeling himself coming as soon as she did, finishing at the same time. Streams of his cum dripping down the wall he leaned against. He was still panting for air as he stayed focus on her. Her chest rising and falling as she tried to catch her breath.
Up till graduation, beomgyu would spend his evenings looking out his window, his hands down his pants at whatever she gave. Most days, it was nothing, just her studying or watching netflix shows. Some days it was her naked in front of the mirror, preparing for bed. But on the days he got lucky, he would be able to see her pleasuring herself. And on rare days, he would even be able to see her get fucked by other men. How he wished he could be one on top of her, but he knew that wouldn’t happen.
Beomgyu would admit that, within those months, what he did was wrong, but it just felt so right. Every evening he looked forward to the show she was going to perform. However one day, a few weeks after graduation, it all just stopped. Her blinds where drawn once again and all he could remember was overhearing his parents talking about how the elderly couple next door was sending their granddaughter to study in the UK.
For some reason, it stung. Even though they didn’t even know each other, beomgyu felt as if he had been abandoned. Now and then, he found himself checking out his window, in hopes she would suddenly appear again, but it never happened.
This brings us back to the present. Beomgyu sat in the booth next to zoe, unaware that she had been talking to him for the past few minutes.
Was it really you? What were you doing back so soon? Was all that was going through beomgyu’s mind.
“Beomgyu!” Yeonjun called, snapping his fingers in front of his face to get his attention. “Zoe’s talking to you.”
“What? Oh, sorry i spaced out. You were saying, zoe?” Beomgyu apologised, trying to keep his focus on the girl he was supposed to be giving his attention to.
But as she continued talking, he still found himself stealing glances at you. The way you laughed at something yeonjun told you. And the way you lightly hit his shoulder when he made a joke.
Just as zoe was about to say something else, beomgyu interrupted her, “yeonjun, let’s go order some milkshakes for everyone.”
“What-,” before yeonjun could reply, beomgyu grabbed his arm, forcing him to get up and follow him.
When he was sure they were far enough away, beomgyu spoke again, “listen, dont ask any questions. We need to trade.”
“What why? Aren’t you and zoe having a good time?”
“I- we are,” beomgyu started, “it’s just, i need to talk to y/n. I think she used to be my neighbour.”
“Then why dont you just asked her like this? There’s no way im trading. Zoe is cool and all but y/n is cool,” yeonjun replied, putting emphasis on the last part.
With that, yeonjun walked back to the table, leaving beomgyu to sigh in frustration. There was no way he could just ask you like that in front of everyone. Going to order a couple milkshakes, he returned to the table. This time, he noticed Yeonjun’s arm around the back of the booth. It was his usual, eventually, his arm would end up around you, pulling you closer to him. It was infuriating, but there was nothing he could do about it.
Some ways through the night, you had excused yourself to go answer a phone call. Seeing this as the perfect opportunity, beomgyu excused himself after you. Following you to an empty hallway that connected with the bathrooms. An emergency exit at the end. He waited around the corner, calling your name the moment he saw you put down the phone.
“Y/n, hey.”
“Oh hi beomgyu, where you waiting for me?” You asked, perking an eyebrow at him.
“No-,” he considered lying for a second, but saw no point for it. “Actually, i was. I wanted to talk to you.”
“Well what is it that you couldn’t say in front of the others?” You asked, folding your arms and leaning against the wall. After all these years, you still had the same powerful aura that left him speechless and flustered.
“I- er. I don’t think you would remember but... i think we used to be neighbours... We went to the same school.”
You chuckled at his hesitation, “i do remember you, beomgyu. The moment i saw you even.”
“Oh, why didn’t you say anything earlier?”
“Probably the same reason you couldn’t. Dont think I didnt know about you jerking off, watching me every night. I’m not blind beomgyu,” you smirked.
Beomgyu swallowed hard, looking at the ground as face turned a shade of red, “you knew? I’m sorry. But if you knew, why didn’t you say anything?”
“Where’s the fun in that? Knowing that i got my hot neighbour jerking off to the sight of me was thrilling. Teasing you every now and then, my poor boy,” you leaned in closer to him before practically whispering the rest, “got me so damn turned on.”
Once again, beomgyu was at a loss for words. He felt the blood from his head rush to between his legs. The thought of him jerking off to you turned you on?
“I only wish you would have let me watch you as well,” you said out of the blue, causing beomgyu’s head to snap up in shock.
“I think you owe me. Don’t you, baby boy?”
By just listening to your words, beomgyu was getting harder by the second. Looking down, it was blatantly obvious to everyone.
“Poor thing. Do you want help with that?” You asked, you hand ghosting over his clothed dick.
Beomgyu tried to keep his cool but ended up frantically nodded at your statement, “why dont we go somewhere else?”
“You dirty boy. We’re in a public place and all you can think about is getting off. Tsk. I think you should take care of it yourself, don’t you?” This time, you walked towards the exit door, leaning against it and got beomgyu to face you. “I want you to jerk off. Right here. I think you owe me, after months of watching me do it.”
“But-“
“Or you know what, im just going back to join the others,” you quickly said, cutting off beomgyu’s argument.
“No!” He said, a bit too eagerly, clearing his throat immediately after.
“I knew you weren’t as innocent as your portrayed,” you shot him a smirk, palming him through his jeans and watched as beomgyu’s eyes shot open.
Undoing his zipper, you pulled his dick out, leaving beomgyu to savour that short moment of having your hands on him. He was almost completely hard by this point, the tip red, pointing slightly upwards. Slowly, he grabbed himself and started pumping his length.
Leaning closer to him, you put your arms around his neck and whispered, “have you ever fantasied about this before? You jerking yourself off in front of me in a public place.”
Shaking his head as a response, he started working himself faster, feeling himself get more turned on by your words, using the precum that was leaking out as lubricant. He felt embarrassed you could have this kind of an effect on him but he couldn’t care right now.
“Fuck, you know baby boy, since high school, ive always found you really attractive. And seeing you like this right now is actually really hot. I’m actually staring to wonder how you would feel.”
“Then let’s go somewhere more private. I swear ill take really good care of you,” beomgyu suggested, hoping it would convince you, losing his breath as he felt his dick start to twitch in his hand.
“No, i think i like it here. Do you remember how i looked back then? I always made sure to be within your view so you could see me.”
Beomgyu shut his eyes as he listened to you speak. He remembered those days as clear as crystal. Right now, he wondered if anyone walked by, would they know exactly what you two were doing? He felt nervous getting caught. But at the same time, the though thrilled him. He couldn’t remember the last time he was so turned on, excited and worried at the same time.
“Look at me baby. I can’t wait to see the look on your face when you come. I bet it must be so hot right? I wonder what your friends would think if they knew what you did. Would they think you’re a pervert? Would they think you’re so lucky right now? While they’re stuck back there being good boys with their dates, you’re here, getting off.”
Looking up at you, beomgyu saw your signature smirk as you watched his hand moving up and down his length. His hand moved faster as he got closer got coming. Never in a million years would he have thought he would be in this situation. The girl of all this teenage fantasies watching him jerk off in a public hallway. The more he thought about his, the closer he got. A struggled groan coming from his throat.
“Fuck, im- im cumming.”
Taking a step aside, you watched him spill his cum onto the back door. You gaze never leaving beomgyu’s face until he relaxed. He looked down, tucking himself back into his pants and laughed.
“Well, fuck. I never thought i would do that,” he stated, “so what do you want to do now? I’ll go anywhere with you.”
“I’m going back to the table,” you shrugged.
“Wha- I’m sorry, what? Why?”
“I left yeonjun alone. In case you forgot, he was supposed to be my date for the night.”
“You’re still planning to spend the night with him?” Beomgyu asked, completely shocked by your answer.
“Of course i am. It’s rude to leave halfway.”
“I was really hoping this wouldn’t be a one time thing,” he admitted, a different look in eyes.
“Trust me, it wont be,” with that you started to walk away from beomgyu, leaving him on his own to make himself decent again before joining you and the others back at the table.
Sure, it hurt seeing you still with yeonjun, his arm around your shoulders, whispering things into your ear that made you laugh. But the thought of being able to meet you again was enough the keep beomgyus’s head up. It felt as if all his teenage fantasies were coming through.
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Ahhhh i freaked out about posting this. Hope u liked this!!! Inspo from smt i read a few years back (i dont rly remember what cause its been so long).-.
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waverule2-blog · 6 years ago
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Berry Buttermilk Scones
We all blasted through the front door a few hours ago, feet dirty and a bit exhausted from a full day of blueberry picking — something that’s become a bit of a family tradition in late July ever since Oliver was born. We have photos out in the field with O in the baby carrier, chubby legs swaying in the breeze while I obsessively applied sunscreen every ten minutes. Last year found Oliver and his friend Lewis traipsing through the rows of berries together in the late morning hours, eating more than we ended up taking home. This year’s photos tell a different story: Oliver and I in a big open field used for overflow parking, he sitting on his little potty, me singing songs and chatting away, the sun beating down on the two of us. We’re deep in the thick of potty training, so as it turned out, Sam and Oliver’s Aunt Christa did the brunt of the picking today. But Oliver and I had some good talks while staying hydrated, people watching, and eating Sour Cream and Onion Kettle chips. Not a bad way to spend a morning. And really, it’s never about how many berries we bring home because neither of these years have proven to be particularly bountiful, but it just never feels like high summer until we get out there and start filling our buckets, however slowly.
I’d promised you a savory baking recipe today but I’m still testing it, so instead I bring you mixed berry scones! And no, I didn’t just whip these up using the berries we picked this afternoon because, well, I’m just not that much of a sorceress. But I love this scone recipe for a few reasons, most importantly: their simplicity. I flirted with the idea of calling them Vacation Scones — you know those recipes you kind of keep memorized or you kind of roughly pull together when you’re traveling and they manage to somehow always taste great? For me, I can make an impromptu fruit crisp wherever I may be without a recipe and can make pretty respectable pancakes. These scones are simple enough to start to add to that list: they don’t have any fussy ingredients (I’m looking at you, lemon zest), they don’t require any rolling or turning or cutting butter into the dough (I use a food processor for ease and speed), and they’re easily adaptable. I dig them.
And I did promise I’d share a few other things I’ve been into lately as the summer ticks on. I have a pretty decent commute now with my new job, so I’ve been listening to more podcasts, have been forcing myself to read more in the evenings, and have bookmarked some new recipes. So here’s a quick and loose list of a few of those things:
An American Marriage by Tayari Jones: I’m ashamed to say I have a few pages left of this novel and there’s no good reason (other than I can’t keep my eyes open at night) because it’s such a rich, beautifully-written story and I can’t recommend it enough. On the surface it’s about a marriage, but it speaks so much to the different kinds of love, how time changes people, and the different versions of ourselves that we discover along the way.
Like a Mother by Angela Garbes: I haven’t read this book! So why recommend it? I have MANY friends who have and it’s on my ‘next to read’ list. I love the recent handful of books coming out that speak to a bit of a different experience of pregnancy, labor and motherhood than is portrayed in What to Expect When You’re Expecting. From the description, “With the curiosity of a journalist, the perspective of a feminist, and the intimacy and urgency of a mother, she explores the emerging science behind the pressing questions women have about everything from miscarriage to complicated labors to postpartum changes.” Let’s read this, shall we?!
Momrage Podcast: My online homie Amelia Morris has come out with a really interesting podcast along with her friend Edan Lepucki. They delve into questions about motherhood that are often unpopular or skirted around. And I love that they’re doing it; it’s about time.
Tully: Ok, so at first I didn’t like this movie. I even texted my friend Julie and commiserated with her about our mutual dislike for it. The day after though, after thinking about it in the shower for quite some time, I decided it actually resonated more than I gave it credit for. I love Charlize Theron and, without giving too much away, this film offers a unique and important glimpse into postpartum mental health.
Girls Night In: While I think I’m not necessarily the target age here (I’m guessing it’s more like early 30’s), I’ve been surprised with how much I enjoy this newsletter. It’s really well done, smartly written and always has a few links that interest me.
Green Chile Chicken Verde (in the Instant Pot!): As I mentioned, I (very) reluctantly gave into the craze: I’m the (reluctant) owner of a new Instant Pot and this recipe is calling my name. What else should I make?!
Instant Pot Tomato White Beans: It’s been really too hot to do major cooking this week, so when I stumbled across this recipe, it was immediately bookmarked. I’ve heard that making beans in the Instant Pot is a real game changer, and I’m looking forward to keying up this recipe to find out what all the hype’s about.
Our Favorite Vegan Ice Cream: More often than not we have a pint of Frankie and Jo’s in the freezer. It’s not cheap, but it’s hands down the best vegan ice cream I’ve ever had and just so happens to be a few blocks from our house (but they also ship!). I love the Berries and Cultured Cream flavor this month. So good.
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These whole grain scones aren’t too sweet and are a great way to use up a glut of summer berries. Strawberries, raspberries, blackberries or blueberries all work great here (I used a mixture of raspberries and blackberries). As you’re making the dough, remember that flour is your friend: if your dough feels too wet or you’re sticking to your work surface, just add a bit more! These are best the day you bake them, but are still great the second day if stored in an airtight container. Beyond that, freeze them for future weekday breakfasts.
Ingredients
2 cups plus 2 tablespoons (280g) Bob's Red Mill organic whole wheat flour, plus more for work surface
1/3 cup (75g) turbinado sugar, plus more for the tops
1 tablespoon baking powder
1 teaspoon baking soda
1 teaspoon kosher salt
1/2 cup unsalted butter
1 cup buttermilk, plus more for the tops
1 heaping cup (160g/5.5oz) berries
Instructions
Preheat the oven to 400 F. Line a large baking sheet with parchment paper or a silicone baking mat.
In the bowl of a food processor, pulse together the flour, sugar, baking powder, baking soda and salt.
Add the butter and pulse until it’s incorporated into tiny pebble-size pieces. Slowly add the buttermilk through the feed tube, stopping right when the dough starts to come together.
Turn the dough out onto a well-floured work surface. Place your berries on top and fold the dough over a few times until the berries have been incorporated (they’ll likely be kind of hiding in the center layer there, which is great; you can’t mess this step up … just get those berries in there as messy as it may seem). Add a little more flour to the dough if it’s sticking to the surface.
Form the dough into a rectangle shape (do the best you can here; it’s totally acceptable to have different shaped scones, so it really doesn’t matter). Slice into 9 large scones or 16 small scones.
Quickly transfer to prepared baking sheet. Brush the scones with a little buttermilk and sprinkle with extra sugar. Bake for 20-24 minutes, or until golden brown around the edges. Best if enjoyed within two days of baking.
Source: http://asweetspoonful.com/2018/07/berry-buttermilk-scones.html
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writingguide003-blog · 6 years ago
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'A total blast': our writers pick their favorite summer blockbusters ever
New Post has been published on https://writingguideto.com/must-see/a-total-blast-our-writers-pick-their-favorite-summer-blockbusters-ever/
'A total blast': our writers pick their favorite summer blockbusters ever
As the season heats up on the big screen, Guardian writers look back on their picks from the past with killer sharks, mournful crime-fighters and time-traveling teens
Face/Off (1997)
Photograph: Allstar/Cinetext/PARAMOUNT
Madman bomber Nicolas Cage stole John Travoltas dead sons life. So gloomy FBI agent Travolta steals Cages face. When Cage steals his face and his wife and freedom John Woos Face/Off becomes the biggest, wackiest and most operatic summer blockbuster in history, a gonzo combustion that flings everything from pigeons to peaches at the screen.
Hong Kong cineastes might applaud a script with roots in the ancient Sichuan opera genre Bian Lian, where performers swap masks like magic. Popcorn-munchers, of which I am front row center, are here to watch whack job Cage and soulful Travolta, two actors who love to go full-ham, play each other and go deep inside their iconographies. Call it hamception. Or just call it a crazy swing that hits a home run as Cavolta and Trage battling it out in a warehouse, a speedboat and, of course, a church. As Cage-as-Travolta gloats to Travolta-as-Cage, Isnt this religious? The eternal battle between good and evil, saint and sinners but youre still not having any fun! Maybe hes not, but we sure are. Bravo, bravo. AN
Edge of Tomorrow (2014)
Photograph: David James/Publicity image from film company
Theres been an increasing sense of desperation clinging to the majority of roles picked by Tom Cruise in recent years. Outside of the still shockingly entertaining Mission: Impossible series, he was miscast in the barely serviceable Jack Reacher and its maddeningly unnecessary sequel, his awards-aiming American Made was throwaway and his franchise-starting The Mummy was a franchise-killer. But four summers ago, he picked the right horse just maybe at the wrong time.
Because despite how deliriously fun Edge of Tomorrow was in the summer of 2014, audiences didnt show the requisite enthusiasm. It was a moderate success (enough to warrant a long-gestating sequel) but it should have packed them in, its combination of charm, invention and sheer thrills making it one of the most objectively successful blockbuster experiences in memory. The nifty plot device (Cruise must relive a day of dying while battling aliens over and over again) allowed for some dark gallows humor and a frenetic pace that kept us all giddily on edge while it also contained a dazzling action star turn from Emily Blunt whose fearless Full Metal Bitch wrestled the film away from Cruise. Blame its relative failure on the bland title? Cruise fatigue? Blockbuster over-saturation? Then find a digital copy to watch and rewatch and repeat. BL
Back to the Future (1985)
Photograph: Allstar/UNIVERSAL/Sportsphoto Ltd./Allstar
Back to the Future very nearly wasnt a summer blockbuster. The reshoots required after Eric Stoltz was booted off, then the fact Michael J Foxs Family Ties commitments meant he could only shoot at night all meant filming didnt wrap until late April. Robert Zemeckis and Steven Spielberg duly pencilled in an August / September release.
But then people started seeing it. Test scores were off the scale. Said producer Frank Marshall: Id never seen a preview like that. The audience went up to the ceiling. So they bagsied the best spot the year had to offer 3 July hired a squad of sound editors to work round the clock and two print editors with instructions to get properly choppy. They did, and those big trims tightened yet further one of the tautest screenplays (by Bob Gale) cinema has ever seen. The only bit of fat they left was the Johnny B Goode scene: sure, it didnt advance the story, but the kids at those test screenings knew we were gonna love it. Back to the Future is a pure shot of summer cinema: grand, ambitious, insanely entertaining. Deadpool, Avengers, take note: a blockbuster can be smart as hell so long as it wears it lightly. In the end, by the way, the film spent 11 weeks at number 1 at the US box office. Thats essentially the whole summer. CS
Teminator 2: Judgment Day (1991)
Photograph: Allstar/TRISTAR/Sportsphoto Ltd./Allstar
The first film I ever saw at the cinema was The Rocketeer. We drove into Bradford city centre, bought our tickets at the Odeon and sat through the 1991 tale which followed the fortunes of a stunt pilot, a rocket pack and a Nazi agent played by Timothy Dalton who sounded like he was from Bury rather than Berlin. The way into the multiplex there was a huge poster for Terminator 2: Judgment Day. Arnie sat on a Harley with a shotgun cocked and ready. My dad was a huge fan of the original but he still couldnt swing taking a seven-year-old to see it. It wasnt until I borrowed a VHS copy that I finally got to see what was behind that image. Skynet, dipshits, T-1000s, a nuclear holocaust and a motorbike chases on the LA river.
Blockbusters dont usually have that edge: theres a more brazen mainstream appeal. But Judgment Day was and still is an exception. It did huge numbers at the box office (more than $500m), was a rare sequel that was arguably better than the original and introduced really odd bits of Spanish idiom into the Bradford schoolyard lexicon. I probably would have been scarred for life watching it as a seven-year-old, but as a teenager it gave me a story I doubt Ill ever get tired of revisiting. LB
The Dark Knight (2008)
Photograph: Allstar/WARNER BROS.
The summer of 2008 was a busy one: Barack Obama emerged from a contentious democratic primary to become the first ever black presidential nominee of a major party. The dam fortifying the entire global financial system was about to burst. China hosted its first ever Summer Olympics. But somehow, and not exactly to my credit, what I remember most from that summer is the uncanny, ridiculously over-the-top publicity blitzkrieg that preceded the release of The Dark Knight, which has since emerged as not just an all-time great summer blockbuster, but an all-time great American film, period.
There were faux-political billboards that read I believe in Harvey Dent; a weirdly nondescript website of the same name; Joker playing cards dispersed throughout comic book stores, which led fans to another website where the DA was defaced with clown makeup. Dentmobiles, Gotham City voter registration cards, a pop-up local news channel: the marketing campaign might have seemed excessive had the movie not so convincingly topped it. Ten years later, as films like Deadpool and Avengers: Infinity War try to reach those same heights of virality, The Dark Knight remains the measuring stick by which every superhero movie, and superhero villain, is measured. JN
Mad Max: Fury Road (2015)
Photograph: Jasin Boland/AP
In many ways, Fury Road is summer: arid, scorching, bright enough to be squinted at. The driving force behind all the high-impact driving is scarcity of water, the essence of life in a desert where death practically rises up from the burning sand. Even in the air-conditioned comfort of a multiplex auditorium in Washington DCs Chinatown, watching George Millers psychotic motor opera left this critic sweaty and parched. My world is fire and blood, warns the weary Max Rockatansky (Tom Hardy) in the scripts opening lines. Staggering out of a theater into the oppressive rays of the sun, it sure can feel that way.
Millers masterpiece fits into the summer blockbuster canon in a less literal capacity as well, striking its ideal balance of dazzling technical spectacle and massively-scaled emotional catharsis. There was plenty of breathless praise to go around upon this films 2015 release, much of it for the feats of practical-effects daring, but the hysterical extremes of feeling cemented its status as a modern classic. I cant deny that Ive watched the polecat sequence upwards of a dozen times, but Millers film truly comes alive in Furiosas howl of desperation, and in Maxs noble disappearance into the throng. CB
Raiders of the Lost Ark (1981)
Photograph: Alamy Stock Photo
Its the music, its the giant boulder, its the Old Testament mysticism, its the whip, its the Cairo Swordsman, its Harrison Fords crooked smile, its the bad dates, its Karen Allen drinking a sherpa under the table, its the melted faces and exploding heads. Its all these things plus having the good fortune of seeing this at the cinema at a very young age, therefore watching most of it through my terrified fingers. (Indy tells Marion to keep her eyes shut during the cosmic spooky ending; way ahead of you there!)
The modern blockbuster as we know it was created by Steven Spielberg with Jaws and George Lucas with Star Wars, so the hype was unmatched when the two collaborated in 1981 with Raiders of the Lost Ark. As a kid I had no idea this was a loving homage to cliffhanger serials from the 30s and 40s, I took it as pure adventure. The seven-and-a-half minute desert truck chase (I dont know, Im making thus up as I go) is probably the best action sequence in all of cinema (John Woos Hard Boiled does not have a horse, sorry), but watching as an adult one notices a lot of sophisticated humor, too. (Indy being too exhausted to make love to Marion, for example, is something that didnt connect when I was six.)
Its strange to think I watched these cartoon Nazis on VHS with my grandparents who had escaped the Holocaust, and no one benefits when you do the math to figure out how young Marion was when, as Indy puts it, you knew what you were doing. But for thrills, laughs and propulsive camerawork (though a little mild Orientalism), nothing tops this one. JH
Independence Day (1996)
Photograph: Everett/REX/Shutterstock
Short of actually calling their film Summer Blockbuster, rarely can a films height-of-summer release date been so central to a films raison detre. This being the mid-90s, when po-mo and self-referentiality was all the rage, brazenly hooking your tentpole film to 4 July was seen as a pretty smart idea.
Fortunately, all the ducks did line up in a row for ID4: a game-changing performance from Will Smith, Jeff Goldblum at (arguably) his funniest, a rousingly Clintoneque president in Bill Pullman and most importantly in that run-up to the millennium physical destruction on a gigantic scale. Much comment at the time was expended on the laser obliteration of the White House (an early shot from the Tea Party/Maga crowd?), but I personally cherish director Roland Emmerichs signature move of detonating cars in somersault formation. Like many other huge-budget films then and since, Independence Day was basically a tooled-up retread of cheap-as-chips format of earlier decades though who these days would roll such expensive dice on what is essentially an original script, with no comic book or toy branding as a forerunner? We shall never see its like again. AP
Aliens (1986)
Photograph: Allstar/20 CENTURY FOX/Sportsphoto Ltd./Allstar
An Aliens summer is one for moviegoers who prefer to sit in in darkened rooms when the sun is shining; the brutal confines of the fiery power plant make an excellent subliminal ad for air conditioning. In 1986, James Cameron took Ridley Scotts elegant, iconic horror template and turned it into an all-out action blockbuster, forcing Ripley once again to face down her nemeses in a breathless fug of claustrophobia, sweat and fear. Its relentlessly stressful and unbelievably thrilling.
I first saw Aliens many years after its initial release. Owing to its sizeable and long-lasting legacy, it was at once immediately familiar, yet also brisk and brutally fresh. I understood that it was a classic, but I wasnt prepared for just how good it is, for the pitch-perfect management of tension, the pace that never really lets up, the emotional pull. The maternal undertow of Ripleys protection of Newt, and the alien mirror of that, adds a level of heart unusual in most blockbusters, and her frustration at being a woman whose authority must be earned again and again, and then proven again and again, remains grimly relevant, 30 years on. Its also a total blast. Now get away from her, you bitch. RN
Jaws (1975)
Photograph: Fotos International/Getty Images
It is the great summer blockbuster ancestor the film that in 1975 more or less invented the concept of the event movie. And unlike all those other summer blockbusters, Steven Spielbergs Jaws is actually about the summer; it is explicitly about the institution of the summer vacation, into which the movie was being sold as part of the seasonal entertainment. It is about the sun, the sand, the beach, the ocean and the entirely justified fear of being eaten alive by an enormous shark with the appetite of a serial killer and the cunning of a U-boat commander. And more than that: it is about that most contemporary of political phenomena: the coverup, the town authorities at a seaside resort putting vacationers at risk by not warning them about the shark. The Jaws mayor has become comic shorthand for the craven and pusillanimous politician.
A blockbuster nowadays means spectacular digital effects, but this film is from an analogue world. It bust the block through brilliant film-making and an inspired score from John Williams, summoning up the shark with a simple two-note theme which became the most famous musical expression of evil since Bernard Herrmanns shrieking violin stabs in Psycho took the place of actual knife-slashing. I still remember the excitement of the summer of 1975, and the queues around the block at the Empire, in Watford, round the corner from the football ground. The inspired brevity of the title meant the word was repeated over and over again to fill the marquee display: JAWS JAWS JAWS as if they were screaming it! PB
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raiseveganus · 6 years ago
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Breastfeeding Pressure Gone Too Far? Cancer Survivor Makes Sign for Room
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Societal breastfeeding pressure and moral policing- the two things that cause us, women, an insane amount of stress. And it can drive us to take some extreme steps indeed!
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Has it gone too far?
Breastfeeding is truly special and creates a unique bond between the mother and the baby. Yes it is great! But what is not great is the compulsion to breastfeed, to the extent of shaming the ones who don’t or can’t. Seems like, the pressure to breastfeed has gone too far this time, with a cancer survivor mum having to actually put up a sign after delivery.
Meghan Koziel, a cancer survivor who was diagnosed with breast cancer in 2015, had to undergo double mastectomy losing her ability to breastfeed. Koziel has worked in a hospital long enough to know that medical professionals don’t always pay complete attention to patient’s medical chart. When she gave birth to her baby, she didn’t want to go through the pain of recounting her medical history every time someone instructed her to breastfeed her child. With the help of her friend, Koziel came up with a brilliant idea to prevent the pain of repeating her medical history. She put up a sign that read, “NO BREASTFEEDING ZONE. Though breastfeeding is a very special task, please be aware before you ask. Our miracle baby will be formula fed, and it will not affect her future ahead. This mommy is a survivor.”
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And it turned out the hospital staff liked the idea! In fact, Koziel’s story is educational, as it teaches people to think twice before assuming anything. Breastfeeding is a personal choice and you might never know if a mum deliberately chose to not breastfeed or if she simply can’t. A lesson or two on empathy maybe for unsolicited advisors!
Koziel later took to Instagram to share her thoughts over putting up the sign. She wrote, “Attention please, attention please. We do indeed have a mommy-to-be who had breast cancer and a mastectomy which means, without boobs in the houseeeee”! She further adds, “Got the banner raised just in case people are confused at why we are NOT going to be breastfeeding our little bundle of joy. Yes I have foobs, no I do not have boobs (or nipples) therefore… my body is incapable of breastfeeding
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-sign was made by me!!!!!)”
https://www.instagram.com/p/BnumLoeBWtA/?taken-by=meghankoziel
The post was well received, except for few strangers offering unsolicited advice and recommending milk donations without giving a thought that this can be impractical and expensive for someone who recently survived cancer, or that they are contirbuting to breastfeeding pressure women are already under. Koziel, however, presented her side of the story through the Parents.com. She informed that ‘her local milk bank provided milk only to preemies and multiples. There’s no insurance coverage for mastectomy patients. Moreover, tested donor milk cost as high as $3 to $5 per ounce’. She further adds, “I was then referred to local Facebook milk donation groups but was turned off because the milk has no way of being tested”. She continues, “Yes, breast milk is fabulous and filled with utmost nutrition… however, it can also carry disease! I am not willing to risk my daughter’s life simply to use breast milk when formula has been used for years and there is no known difference from a breastfed to formula fed baby.”
She has an inspiring message for other women who survived cancer and are hopeful on becoming mom someday:
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Jen Haselue 
Three years ago when I was diagnosed with breast cancer, I thought my life would never ever be the same. I was forced to make so many HUGE life decisions including preserving my fertility through an egg retrieval was one of them. After two years on hormone blocking medications (because my cancer is so aggressive and highly affected my estrogen and progesterone), I made the decision to go off of my medications to fulfill my lifelong dream of being a mom! On Saturday September 15th, my dream came true when we were blessed with the birth of our beautiful miracle baby! Cancer has changed my life forever… but looking down at this sweet little girl makes all my fears of recurrence and having to go through active treatment again fade away! I am so so so blessed and will forever Sparkle On
Meghan Koziel on Instagram 
While Koziel has tried to create awareness in her own unique way, I think it is time to analyze the scrutiny women are put under for making their own choices. The decision to breastfeed is personal; doesn’t matter we agree with the individual choices or not, we can simply respect their right to make a choice. In fact, in many cases, women have no control over such choices. Breastfeed or not, a mother shall always be a mother- her child’s best well-wisher.
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CLICK TO LEARN MORE 
Have you been subjected to breastfeeding pressure? let us know in the comments. 
The post Breastfeeding Pressure Gone Too Far? Cancer Survivor Makes Sign for Room appeared first on Raise Vegan.
source https://raisevegan.com/breastfeeding-pressure-gone-too-far-cancer-survivor-makes-sign-for-room/
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I just got my first speeding ticket and i was going 9 miles over the speed limit. it was 35 and i was going 44. will my auto insurance rate go up after im done paying the ticket off. i heard you can take a traffic school to get the points taken off your license. will it still make my insurance go up ?
Just curious.......How many of you have no health insurance but.......?
.......have cell phones, satellite TV, Wii's and games, smoke or drink. Since the average cost of a family plan is about $3600.00 per year, just wondering if you realized you could buy your own health insurance with the money you spend on these things. I am curious why luxuries would be more important to you than getting health insurance.""
Insurance in the state of GEORGIA!!!!?
In GA can u get car insurance wit a suspended license.... if so where?
What is the purpose of insurance?
What is the purpose of insurance?
What is the most popular insurance in troy missouri?
What is the most popular insurance in troy missouri? Is there a service/website to where i can find this info and info like that? What kind of insurance is mostly used in certain areas?
Auto insurance. please help me. =)?
I'm sixteen and i just got a truck. it's a 1977 dodge pick up 4x4. i can't drive it without insurance and i don't know where to get my insurance from. i've tried getting online quotes and stuff and it didn't work. anybody know a good insurance company with a plan that covers the basic stuff i need just so i can drive my truck?? thanks. =)
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lease insurance quote
How does rbs insurance differentiate itself from it's competitors?
Hi, I'm filling out an internship form, and I'm stuck on this question.. Please help me! Thank you""
I was driving without proof of insurance.?
The cop pulled me over for speeding but did not cite me on that charge. He just cited me a fix it ticket for not having proof of insurance in my car. I am insured and have a card to prove it. I am a minor in California. Will I have to go to court on my date or can I do it earlier? What will happen to my record? What will I have to go through? thanks
Cheapest car for insurance?
My parents have agreed to get me a car, but the insurance has to be cheap. We have allstate and i have no idea what the cheapest car would be to get, insurance wise. thanks for any help!""
""Can someone give me an idea of how much car insurance is for a mazda 6, 2006 honda civic sedan, or coupe?""
I'm getting my car soon, but i don't want make a decision until i get an idea of how much the insurance on these cars are. Thanks!""
Auto Insurance for a non-owner in Michigan?
My son, who has never had a ticket or any violations at all, does not own a vehicle. He will occasionally drive my vehicle. I live in Ohio and have insurance on the car in Ohio. Is that ok? Does he also need to maintain some type of coverage in Michigan. I do not see that Michigan has something like a non-owner policy if you do not have any violations and are not required to have the SR22 policy.""
Infiniti g37????????
I'm 19 and I'm getting an used 2007 Infiniti for $12000 yayy ive been driving for a year with no tickets or anything! how much would my insurance cost? I live by myself in Virginia far away from parents just with my gf so don't even rely on my parents..
How much would my car insurance be?
I'm looking to buy another car. I would really like a BMW or a VW, years like 1996 to 2004. I'm thinking like a 3 series BMW or a passat or jetta. I know these are typically nicer cars thus insurance would be higher, though some people claim they're cheaper because they're more safe. Anyway, how high are we talking here? I don't need an exact number but a decent estimate would really help so I don't buy a nice car and find out I can't afford the insurance. I'm an 18 year old guy, I have NO tickets of any sort, no accidents, I commute about 20 miles to college, iv been licensed for over a year, I took drivers education. I'm under my own name not my parents so my insurance is astronomical cause I'm an 18 year old guy. Please help.""
""Compare car insurance with health insurance, car insurance is a law, health insurance isn't why?""
car insurance is a law right? and I know a lot of people that have a very difficult time paying car insurance since it's so high, but it seems like insurance companies are making a lot of money, NOW how can we compare that to health insurance if it became a law to have to have it. You would hope that health insurance would be more affordable since more people are putting money into the pot right, but I am afraid but it being a law, the rich (insurance companies will get richer) and raise the cost of health insurance since it's a law. Maybe our solution would be to have our government give us tax breaks on health insurance premiums and some how get more for our money with health insurance. It's sad that you have to spend $500.00 a month for health insurance but still have to pay office visits and wait 6 months for preexisting problems. Maybe the solution is to have better health insurance options, right? Isn't that what McCain wants?""
Best place to Compare Car Insurance Quotes Online?
Is there a site where I can compare car insurance quotes or where I can compare what's offered by several car insurance companies? There's a huge difference in car insurance quotes depending on the provider you use and what level of cover you want and obviously I do not want to pay more than I have to. I searched for car insurance comparison sites but there are a lot to choose from and a lot more still where you just enter general stats like age and area, so can someone save me some time and let me know of a good website where I can compare car insurance quotes that are exact to my circumstances. Thanks!""
What is the difference between being forced to buy health insurance vs. being forced to buy car insurance?
In my state we are forced to have car insurance or we will be fined. I know that having the government intervene more in our health insurance seems like more of a step in a socialism direction but were we already going that direction anyway with car insurance AND we did already have medicare and medicaid. This reform does not seem like anything more than insurance reform and medicare/medicaid reform. It is not as radical as it could be: http://healthreform.kff.org/SubsidyCalculator.aspx The government subsidies are not even that good. People making around 30-50k still have to pay $200-300 a month for healthcare and now they are actually being FORCED to do it no matter what. The government will only help with $500 per year of that total bill. I am a conservative...BUT why is this so bad? Dont we really need healthcare reform because the way it is going it looks like in 10 more years nobody will be able to afford insurance period if things were left the way they were (it has gone up 100% in the last 10 years). Change can be good sometimes. Everyone needs to calm down.
Car insurance question?
Originally I registered my car insurance with my previous address. Now I've moved to a new place, do I require to update the address? What happen if I don't update the address and continuously using my previous address as registered?""
How much will Car insurance cost me??? PLEASE HELP!?
I am a 20 year old female. I didn't complete high school, but I will get my GED and go to school next fall. I'm getting a car this Feb when taxes come back and I'm buying no more then a good decent $3000 car. I have a child too so I heard that helps bring the insurance down a little. Because the car will be under my name, & I am the ONLY driver in this house hold so there will be only 1 person on the insurance, how much do u think I could be paying a month??? Any guess for wage? I want full coverage but if its more then 300 a month i will go half. I've had my permit to since I was 17, no accidents. Please help.""
Ticket for no license and no insurance?
I'm 17 and I got a ticket for not having a license or permit, failure to yield to an emergency vehicle and no insurance in California. How deep will this ticket dig into my pockets? Over $500? Big thanks if you can help me out.""
How to appeal declining application on Health insurance?
I just received letter from Blue Shield of California on my recent application for health coverage, I am asking for any suggestion on appeal and my rights in this process. My COBRA is running out, and this recent application took 2 months before they turned me down. I considered myself fairly healthy other than a monthly low dosage cholesterol prescription. Any help or suggestion is appreciated.""
Urgent care? Do I need insurance?
So I really need to go to urgent care but will they even look at me if I tell them I don't have insurance and don't even have a job...? I would go to the hospital... But like I said... I have no insurance and no job.
Can my mom insure my vehicle?
I want to buy a newly used car and i will have a loan on it. I wanted to know if the loan and the title are all in my name, would my mom be able to insure it in her name and me just as a driver? im under 25 so my insurance would be extra high. and would i have to register it in her name at DMV to let her insure it?""
Can I put my mom in my health insurance?
Can I put my mom in my health insurance?
How to appeal declining application on Health insurance?
I just received letter from Blue Shield of California on my recent application for health coverage, I am asking for any suggestion on appeal and my rights in this process. My COBRA is running out, and this recent application took 2 months before they turned me down. I considered myself fairly healthy other than a monthly low dosage cholesterol prescription. Any help or suggestion is appreciated.""
Insurance quetsion?
i was in a accident totally the other drivers fault (she admitted to it). my car has damaged front bumper and headlight along with other stuff around those parts. it looks like nothing major. i went to the hospital one time they said i had my muscles and ligaments in my neck strectched. im trying to found out is that enough medical trips for me to get a rather decent settlement. im nt able to go to the doctor because i work all the time an i cant take time off or i will be fired. her insurance is state farm. on the average how much can i get???(pain and suffering)
How will i know which insurance group my car belongs to in UK?
is there a website to find car insurance group?
Would Obama charge the military for Health Care?
So I see all this Healthcare debate going on, But what does that mean for the Military? I know its gonna cause the operating budget to be cut of course. But would we have to start ...show more""
What is the best but most cost-efficient insurance for a 22year old male driver who just got his license?
Used, older car (either 1990 honda or 1995 toyota). Just got his license. Want decent insurance but not outrageously price. Any help greatly appreciated - thanks!""
I need help with my car insurance?
Middle aged female (mid fifties), have had comprehensive car insurance 8 years no claim but current insurers now charging me nearly 500/annum.Insurance runs out 30th october 08. Any suggestions for cheap car insurance companies (in England please) for Honda Accord V Tec (W Reg). Thanks""
What would be considered cheap for a new driver's auto insurance?
Also, what would be considered average or too high? Any car really, just focusing on the pricing at the moment for a ballpark estimate.""
Does a Seat Belt Ticket in California increase insurance?
If I have to report a seat belt ticket to insurance, because i am using traffic school for a stop sign ticket, How much will my insurance go up by. I am 17 and I have ameriprise insurance for my car. PLease help also if i will not have a car or drive in college should i just lose my insurance or keep it for 4 years with a perfect record.""
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lease insurance quote
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Are auto insurance premiums negotiable?
"Are auto insurance premiums negotiable?
I'm dealing with Amica, a very reputable and established company.
BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr 
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How do they get quoted at such a young age on supercars,I understand money's not a problem for them so it doesn't matter what the price is but if I wanted 2litre audi at my age (17) a insurance company wouldn't even quote me""
Car insurance cost in CA?
I just moved to Los Angeles county from Massachusetts. I have a 2002 Mercedes c230 that I brought with me. I used to pay $850/yr. for full coverage on it in MA. I have been looking around and getting quotes online for $900+ for 6 months here! I am a 25 yr old single, and I also have a perfect driving record. Is all insurance rediculously priced here?, or am i just looking in the wrong place? ( I've looked at GEICO, progressive, other nationwide online companys) thanks for any help.""
How much is good car insurance for a uk driver?
I am looking around at car insurance comparison websites, and I want to know if the quotes I'm getting back are reasonable. How much would a reasonable monthly insurance payment be for a UK driver with more than 15yrs experience? Also, how much would it be if you added a newly qualified driver as secondary driver to that. The car is a 2006 Ford Galaxy. I know it depends on the other extras etc, but I just want to get a rough idea of what would be a reasonable amount to expect for this, on average.""
2-door and 4-door car insurance?
I'm considering about buying a new honda civic car . I heard somebody say that 2-door car's insurance is always more expensive than the 4-door one. is that right ? (remember that the 2-door car and the 4-door car have the same features,machines) And how they calculate the amount of my car insurance? What do they depend on?""
Health Insurance N. Florida?
Health Insurance CHP (Capital Health Plan) Tallahassee FL is diagnosing me? Why did my health insurance company contact my primary doctor after a hospital visit? After a recent visit to the ER due to a esophageal stricter which scared us thinking Chest pain! Spent 16 hours being observed and tested! Finally send down to endoscopy for a esophageal dilation! Did the job!! I was sent home 4 hours later! Now two weeks later I get a phone call from my Primary care Doctors office manager saying that my primary received a memo from my health insurance (after my ER visit) company and I was instructed to call and make an appointment for alcoholism counseling???? The night of the incident where I couldn't swallow, and was in pain! we had guests over and had a few beers! I gave the attending ER doctor all information including I had drank beer an hour before I got there. OK, now, For the 16 hours at the hospital and the multiple blood tests, everybody including the Dr's said everything looked good! and the Dr. that discharged me explained to my wife in detail about my blood work, said things were fine. So, why would my CHP (Capital Health Plan) health insurance company be contacting my primary? Especially about alcoholism counseling, this has NEVER been an issue in the past! I'm so upset! I've been with my primary for over 15 years and due to a knee injury he prescribes me mild pain killers, and Florida Law makes him take a urine sample every 3 months! Again this has never come up. Is this normal for an insurance company to do??? I'm so upset!!!!""
Health insurance from company?
how come my coworker pays only 20 bucks per paycheck for the health insurance, and i need to pay 50 bucks?""
Will the insurance payment be higher if?
Will the car insurance be higher if theres two drivers instead of 1?
Do you have to get insurance before you can get a license plate?
I just bought a used car off of someone and drove it home. Luckily it was at night because the car doesnt have a license plate. This is my first car and none of my family seems willing to answer the phone today to help me. What am I supposed to do first? When I looked up the cost of plates, it said that when purchasing the plates insurance must be presented at the time of purchase. So that means I have to get insurance before I can get the license plates right?""
Where can i get cheap insurance?
low rates? ???
2006 Saleen Insurance?
I might be buying a 2006 Saleen supercharged next week. I am 22 years old and female (but I turn 23 in May). I've never been in any accidents, I've only had one speeding ticket about 3 years ago, and I have a pretty good driving record, and I've already graduated from college. Any clue how much full coverage insurance will be?? or maybe what any of you may pay for a similar car?""
Car Insurance HELP......?
Well Im 19 yo. and I want to buy a car in England. But insurance is the main problem!!! I have International Driver License and Im looking cars like Crossfire, BMW M1 etc. but secondhand ones. Which insurance company will be the best for me??? Btw Im university student.""
Car insurance company wont pay for my car? /:?
I got into an accident like 6 or 7 months ago. I was making a legal left hand turn and she tried to pass me on the left while I was making that left and obviously she hit me. she lied to the police and said I was pulling out from the shoulder and I didn't look to see her coming and the officer believed me and wrote my story down on the report cuz that's actually what happened lol. her insurance company (Geico) is obviously taking her side cuz they don't want to pay and even though they have the police report they are only paying me 50% and that's just unacceptable. Is there anything I can do to make them pay for at least 75% of it?( besides eyewitnesses cuz there were none )
Im a 17 yr old lad what nice car can i get with cheep insurance?
i am 17 and realy into cars, have been for ages. i have a motor bike since i was 16 but now i want a car. and all my freinds no how much i lyk cars, and it wud be so embarasing turning up to collage in a little ford fiesta or old corsa. i can afford a nice car but insurance for even for quite crap cars have been bout 4000 quid. i started off lookin at honda crx del sol cos i realy lyk thm but insurance way too much, so thn i tried looking at old cool looking cars lyk the last mg midget but insurance still to dear, then i heard kit cars have realy cheep insurance so i looked at a gtm rossa which was realy nice but insurance still around 4000. so what car can i get what looks the part but affordable? please help""
Where can i get affordable health insurance?
I live in iowa.. Where are some places i can get some affordable (cheap) health insurance? Thanks!
Is it legal to have two different insurance companies for one car?
i am currently leaving my insurance company because they give me too much headaches (ING by the way)... i have to wait a week to offically cancel my policy (its a longg story). i found another insurance company that i would like to join right away because i told my insurance company i am putting ym car away for a few years but i just didnt want to tell them i found someone else for way cheaper and i need insurance now! but im not sure if it is possible to have comprehensive with one company and coverage with another. please let me know. Thanks!! toronto, Ontario""
Tell me how it is right that insurance companies charge young adult males more than female for car insurance?
The answer I seem to get is it can be statistically proven that males are more aggressive,speed and get into more accidents. That may be the case, but I am sure you can prove that a particular ethnicitiy gets into more accidents too, or that people with a particular eye color get into more accidents or that people with an IQ below 100 get into more accidents. So why don't they charge them more for car insurance too? You can say insurance companies have the right to charge more if an event is more likely to happen, like Earthquake insurance is more expensive in California than it is in Michigan. The difference there is that when you charge Californians more there, you are basing it on an uncontrollable act of nature that is almost certain to happen, but when you charge that male more for car insurance you are making judgements about a person's character, making assumptions about his future behavior and financially punishing him for it before he has even done anything. Tell me where I am wrong""
Do Police Officers have to pay for their police car & insurance?
Im wondering if police officers have to pay for the police car they use, and if they have to pay for the insurance, or is it covered by the police department? and do they receive gas money or you have to pay for it out of your own pocket?""
What cars has cheap insurance?
i no the tato nano is gonna be cheap but that is not in Europe yet so any suggestions
How much is ur car insurence a month?
im 16 and im not getting my car till 17 or 18 and i need to know how much money insurance is a month. i just need an estimate. Thanks
How much is insurance on a xr 125?
Hi im 16 with a provisional motorbike license and was wondering how much the insurance would cost me on a honda xr125 worth 2500
Putting someone on my car insurance policy?
Can i add my brother and his car to my insurance policy? He doesn't have insurance cuz he can't afford the whole big down payment to start his own policy. Can i just add him and his car to mine? I don't drive his car and he doesn't drive mine, so would that work?""
Is insurance required to buy a car?
I live in the state of Washington. I just turned 18 and obtained my driver's license. However, I have been driving for two years now without insurance and license :/ fortunately without any encounters with the law. Anyway, I want to buy my own car now, my first car, so I'm looking for something local on craigslist. My question is, is it required for one to have insurance in the state of Washington in order to buy a car? I've obviously never done this before so if you could explain how this works I would appreciate it. 1.) What exactly do I need to pay for besides the car? (license plates, registration?) and 2.) Do I need to have insurance? (or can I just pay the person for the car, get the paperwork, and it's done, because I can't afford insurance at the moment. Again I've never done this before). Thank you""
Will insurance company pay for damages on my car if i have a suspended license and it was other drivers fault?
I got into a car accident it was the other drivers fault but I had no insurance and a suspended license. I want to know if the other drivers insurance company will cover it the damages to my car? No ugly answers please. I already know I shouldn't have been driving.
Which company has the cheapest full coverage auto insurance?
Which company has the cheapest full coverage auto insurance?
5 Door Vs 4 Door Car Insurance?
Why is a 5 Door car cheaper on insurance than a 4 door car? ive been looking at getting a new 2008 Subaru Impreza i want the 4 door but 5 door is like 1000 cheapers for insurance.
Are auto insurance premiums negotiable?
I'm dealing with Amica, a very reputable and established company.
Insurance for my car?
I'm buying a car from my parents and as of right now the insurance is in their name. Once I own the car, does the insurance have to be in my name or can I continue to use the insurance they already have?""
How much is car insurance for 25 year old female?
How much is car insurance for 25 year old female?
Scooters-insurance etc?
how much for m.o.t and average price for insurance a month???i'm in uk
""Is $150/month too much for auto insurance. 21, female, full coverage?""
I signed up for Allstates full coverage insurance for my 2006 Toyota corolla. I'm 21, female, and clean driving record so far. Is 150 per month too expensive?""
Do you cancel an auto insurance quote?
I had an economics project and there was a section where I had to purchase auto insurance. Sure enough, I went to Geico and got a free quote, but the problem is that Geico is annoying to lock in the policy and actually have me as their customer. What can I do to tell them that I only wanted a policy for a project and I'm not really their customer?""
Progressive auto quote confirmation?
I had to ask a bunch of questions regarding insurance for a certain car for my driver education project and I got an email saying that I quoted with Progressive. What does this mean?
Questions about homeowners insurance?
I called my insurance company, and they said it wont cost anything if I add my girlfriend onto the insurance policy. My question is if I add her on and dont get additional coverage and something goes wrong. Will My insurance cmpany give me a hard time GOD for bid something goes wrong. For example if something gets stolen or my house burns down, will my homeowners insurance say that they wont cover my furnature or tv etc because they can say it is my girlfriends or will I be ok?""
Car insurance?
i currently have a car and am insured fully comp on this. my partner is about to purchase me a new one but as i still own the other one i'm not sure what to do about insurance. i'm tempted to take out another policy with a diffenret company for fully comp and run them both until i sell my old one. any suggestions
""I am fully comp, and my insurance said i can drive any car i wish to? read the details below!!!!!?""
I am fully comp, and my insurance said i can drive any car i wish to, Can i really drive any car i want, EVEN IF THE OTHER CAR HAS NO ONE INSURED ON IT?""
UK car insurance cost for 17 year old female?
I have just past my test and don't have a car yet. Am wanting to get a small car, 1.2 engine. Could anyone give me rough price guide as to how much the insurance will cost me each year. Thanks x""
How can i get cheaper car insurance?
How can i get cheaper car insurance?
How much does car insurance cost for a 16 year old?
How much does car insurance cost for a 16 year old?
Cheapest Car Insurance For Ford Taurus 2003 SES ?
I want basically minimum, + if somebody hits me uninsured, Do you think thats good coverage? Car is only worth 2700 thats what i paid to buy it with 130000 miles on it. im looking for personal recommendations, cheapest possible, lowest down payment, and thank you""
In california can i report an accident but pay for it in cash ? or when i report it auto contact my insurance?
like if i was in an accident and i reported to the dmv i can still pay it in cash right and the insurance doesn't have to raise the money ? state ur source please
What is the Best affordable Medicare Supplemental insurance available?
I just turned 65 and I need Medicare supplemental insurance.
What costs do you need to think about if you are thinking of buying a couple of narrow boats and renting them
what insurances, fees, maintenance costs etc do i need to be aware of. Thanks""
Car insurance question?
My car is currently under my parents name any under my parents insurance. It was a gift from my parents but we never bothered changing the ownership over and it wasn't a big deal since we live in the same home. I am planning on moving out soon, do I need to have the car put in to my own name to get my own insurance and to make it legal? I've heard that continuing to pay through their plan without living in there house would make it void. If I don't change my ID right away would it still count as me not living there?""
How much does insurance cost for acura rsx?
im gonna buy a used car soon and i was thinking of buying the rsx. I am 16 so i would join the insurance plan with my mom. I have good grades and my mom has a clean driving record. I just need a rough estimate
Why do Conservatives have a problem with buying health insurance but not car insurance?
They care more about their cars than human life typical! How can they be so selfish!? I don't see millions of conservatives complaining about being forced to buy car insurance. Typical conservative hypocrisy!
Does car insurance typically cover the car being totaled due to flooding?
I live in the Midwest, where everything is flooding. My husband just called and said that his car was flooded, and is now not running. Does car insurance typically cover this? I know I'll need to check with our insurance company in the morning, but I'm just curious if that is considered an act of God, therefore covered under a comp. claim. We have full coverage.""
Health insurance laws?
I recently got out of the military and am living in California and I don't currently have health insurance. What are the laws regarding health insurance now? For example what I get hospitalized (ignoring the fact I can go to the va), taxes, etc. I know almost nothing about whats going on with the halth insurance thing so I don't mind being explained like a child""
PLEASE HELP ! Where can I get the best/cheapest car insurance deal ?
I have tried various price comparison sites without success . I need to get a low / cheap fully comprehensive car insurance policy for my son to be able to insure his car . We are an extremely low income family In order to drive his car on British roads my son needs to have an MOT certificate , Road Tax and Insurance . That is the Law of this land ! The Car only cost him 200 , I am not going to suggest that we break any laws but he should not have to pay out 15 times the cars value to get insurance to drive the car on British Roads , that is absolutely ridicules ! PLEASE CAN SOMEONE SOMEWHERE HELP There is NO PUBLIC transportation to get him to his place of employment , he needs his own transport , riding a bicycle is out of the question , he would be exhausted by the time he got there as his work place is 8 miles away , in windy weather he would be blown of it and in wet weather he would be soaked to the skin before he got there , he has to use his car . If I took him to work , I would have to make the 8 mile journey 4 times , if he does it , the journey would be twice . His Mother has her own car but works the opposite direction . her insurance is less than 500 but that is more than twice my insurance because I have held a driving license for longer , my insurance is very much lower . Our Son is too young to legally drive my vehicle . PLEASE HELP""
Motorcycle insurance in Ontario?
Hi I will be turning 17 in a few months and plan on getting a sports bike such as the ninja 250r or the gs500f. I am just curious if someone could leave me a rough estimate on how much insurance would cost me if I were to insure one of those 2 bikes in the province of Ontario. Thank you in advance.
Cheap car insurance UK?
I'm a young driver 17 I have no provisional experience or pass plus Im a girl and I'm hopefully getting a ford Ka 2002-2003 Do you know what the cheapest place to get insurance is? I've looked everywhere! Any help appreciated :)
I need help understanding Health Insurance Deductibles?
Ok, so I'm going to get health insurance and I'm Having a challenge trying to understand the deductible situation. The Health Insurance I'm looking into is Blue Shield of California and they have many plans, and it seems that the prices get a bit higher when the deductible gets lower. What does the annual deductible mean? Is that the amount that I have to pay off first before my insurance can cover me?""
Are auto insurance premiums negotiable?
I'm dealing with Amica, a very reputable and established company.
Can i use my mom name for car insurance?
can i use my mom's name for car insurance because car insurance for me is really expensive because i'm young...and she's in her late 50's but the thing is, is that she doesn't have a license to drive....so can i still use her name to buy car insurance?""
How can I get a car insurance quote if I'm under 18?
I don't have my license yet but a large part of what decides what car I can get depends on what the car insurance would cost. Since I am under 18 not of the car insurance websites will give me a quote and if i lie about my age it will change the cost. Any ideas?
Cheap insurance for bmw 318?
websites arnt even close to being accurate to get insurance quotes from so i was wondering does anyone have the experience to tell me reasonably accurantely where is the cheapest place to get insurance for a bmw 318 in northern ireland for a 2nd year driver with no claims and how much is it
How old must you be to have classic car insurance?
is their any age you have to be for classic car insurance as i have been looking to buy a ford xr3i and i am 17
Car Insurance.?
My dad doesnt want to put me on his insurance, even though i offered to pay and my mom is gonna buy me the car. Male, 16, the car is probably going to be a 2001, 2-door honda. What is an estimated amount am I going to have to pay if I get my own car insurance.""
Cheap car to insure mpg above 25?
Looking for a car that you may have had experience with that is cheap to insure, with decent mpg. I was looking at '95 and '97 civics because they are older and I thought might be cheaper to insure and get pretty good mileage from what Ive heard. Mainly looking 4 doors not too shabby low insurance and decent mileage. Thanks in advance for responses everyone""
Term Life Insurance Ownership?
My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? Thanks for your time.""
Auto insurance question?
I'm currently looking for auto insurance and whenever I get a quote, they ask me if I have previously had insurance. I am currently covered under my parent's auto insurance, does that count? Thanks!""
Cheap cars with a nice interior??????????
Hey im 18 and hoping to buy my first car soon (Living inthe uk) I'll probably buy a used car too I want a car thats cheap to run, cheap insurance, etc But with a nice interior :) This cars interior is perfect! http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg Can you guys reccomend any?""
Does a wet reckless charge always increase insurance rates?
I plead a DUI down to a wet and reckless for a reduced charge. This was over a year ago, and my insurance premium hasn't changed a bit. Does it have anything to do with the fact that i have minimum legal coverage, or do they simply not acknowledge this charge? Im asking because I want to switch to comprehensive coverage but im afraid that will trigger something in their system. I would call and ask but I don't want them to raise my rate in case they overlooked something. I'm with Mercury insurance. Thanks""
If I wanna get car insurance in PA do I have to get my license there?
I want to save money by getting my car insurance in Pennsylvania do I have to get my license there as well or does it not matter. Also how do insurance companies verified the address you provided is your actual address.
Will my insurance rates go up for a traffic ticket?
I have a restricted license and i got a ticket going 38 in a 25mph school zone. The cop reduced it to 34 and it is $80.00. Im almost 16 and i have state farm. Will my rates go up. Should i just go to the office and pay it. I have no defense i know i was speeding. WIll my parents find out?
""I totaled my car, do i need gap insurance for them to pay off the vehicle?
i have totaled my car and i have full coverage. will my insurance company pay off my vehicle?
Could someone tell me how to get a speeding ticket reduced?
Hi. I got pulled today. It is my first ticket and the first time I have ever been pulled. I was going 47 in a 25. I thought that the speed limit was 35 becasue everywhere else around the place I was pulled is 35. I have no problem paying the fine of $222 I would just like to know if anyone could walk me through the process of getting the violation lessend so that it will not be put on my license. Any help that someone could give me would be greatly appreciated.
Do I sign the certificate of title when selling the car to the insurance company?
My vehicle was determined to be a total loss and I have decided to give up my car to the insurance company. They have asked me to send the certificate of title and the DMV form (Vehicle transfer and reassignment form). The odd thing is that the insurance company asked that I do not sign the title document, but asked that I sign the DMV form. Should I sign both documents, or just sign the DMV form (will that be enough to successfully transfer the vehicle?) What will happen if I end up signing the certificate of title, even when the insurance company told me not to??""
Insurance for a 17 year old?
Hello I'm a 17 year old male that lives in Palm Springs, California that is curious to know how much insurance would cost for these cars. 1.) 1999 Porsche 911 Carrera 2.) 2005 Nissan 350Z 3.) 1999 Jaguar XK8 4.) 2007 Infiniti G35 5.) 2005 BMW 545i If you can help me by giving an estimate would help greatly. Thank you, Asker""
High school sports insurance Florida?
Hi, I'm a 15 year old varsity baseball player in Florida. On the 19th of March, I had a partial tear of my biceps tendon in my right elbow along with a suspected injury to the RCL, and LUCL (MRI results). I don't have primary health insurance (even though my Dad's a doctor haha) but my school carries insurance for student athletes. I'm going the the Andrews Institute in Gulf Breeze, FL. What do you think my coverage will be like? I know it's a rather hard question but thanks for anything!""
Will car insurance be cheaper if I drive my mum's car?
I'm learning to drive, but my mum won't allow me to practice in her Fiat 500 or drive it once I've passed the test. This means I can either buy myself a car or drive my Dad's car, which is a much larger Jeep. I don't particularly want to drive it though because its an automatic whereas I'm learning manual (I know automatic is easier, but as a new driver I won't be able to practice for the test and I'm worried I might forget manual if I drive it for too long) and I imagine insurance is likely to be higher. I was wondering, which of these options are likely to work out cheapest? Is it worth trying to persuade my mum to let me drive her car?""
How much should one spend on their first car?
Here is the problem. I am a photographer who photographs rural areas, but I can't stand not living in the city. I don't drive, cause I live in Chicago and I thought I hated driving. I think I just hated drivers ed. SO now I want to drive everywhere and work more often instead of waiting until I can find someone to drive me around. I am obviously going to be road tripping a lot, and this is my first car. I need something with great MPG. I live in Chicago, but my mom lives downstate, although I'd like to share it with her. I'm thinking either a used prius, mini cooper, or volkeswagon. I'm 19. What do you think would be the best choice, and what costs am I looking at for insurance, ect?""
""How much would i pay per month for insurance on a $100,000 condo in northern virginia?""
say the condo is a few miles outside DC, is worth 100,000-120,000 whats the ball park amount id have to pay for insurance each year?""
Is there a way to get around expensive car insurance for a 19 year old boy in the UK?
I will eventually have my car when I'm 19 but i want to drive a 1.6 instead of a smaller engine. Is there a way to get around expensive car insurance because i know of people who got it cheap In england
Im 21 and a new driver how much would my car insurance cost on a honda civic type r 02 reg?
Im 21 and a new driver how much would my car insurance cost on a honda civic type r 02 reg?
Is it worth it to take a life insurance?
Is it worth it to take a life insurance?
How much would a insurance be?
how much would insurance be on a 1993 or 1994 mazda rx7? im really wanting this car and im hoping that it wont be to expensive
How can I put my girlfriend (8 1/2 years and still going strong) on my health/dental insurance?
Hi guys, so I have asked my job and it seems the only way I can add her to my health/dental insurance is if 1) we are married or 2) if i provide proof of living with her for a certain amount of years. There has to be some loophole because I really think it is ridiculous that we have been to together since we were 16 and I cant add her or help her in such a way. There is no possible way, in timeline, for us to qualify for such rules. 16-18 years old (in high school and lived with parents), 18-23 years old (Attended separate universities and lived in different cities), 23- 24 1/2 years old, (both living with parents back home, we alternate and stay at each others place, so have no set home or bills in our name, such as direct tv, electricity, internet, you name it. we are blessed with awesome parents) and yes we have though about just getting married, but no way... we are waiting until we are established and can fend for ourselves to make a decision like that, but yes we do want to get married some day, but not over screwing the government or other reasons. Also we live in california if that helps, since i know every state varies, thank s guys!! ^_^""
Are auto insurance premiums negotiable?
I'm dealing with Amica, a very reputable and established company.
""How do I obtain cheap, good health insurance in South Carolina?""
I currently live in Conn. but I am moving to SC in the middle of Oct, but I won't have health insurance when I get down there because I am currently on state insurance, which is up at the beginning of Oct. But I really need insurance because I have monthly prescriptions that I need. So does anyone know how I can get insurance just intil I get a job with benefits.""
""Is car insurance cheaper in L.A., CA or Fort Worth, Texas?
I'm currently living in the L.A. area and am moving to Fort Worth and I was wondering if I should expect an increase or decrease in my current rate and how much of a difference I should see. My record is clean. I also have good credit. (if either of those might have more affect in either state)
Health Insurance for my son?
I need a low cost health insurance plan for my son. I live in orange county, CA and I DO NOT qualify for medi-cal or healthy families. I make too much money. I do not need health insurance for myself because I can still be on my parents insurance until im 25. My work also does not offer health insurance.""
How much is the ticket for driving with no insurance in missouri?
How much is the ticket for driving with no insurance in missouri?
Insurance for a 16 year old on a hyundai tiburon?
Hi, i'm looking at cars to get when i turn 16. I'm thinking of a hyundai tiburon. I would like to know how much the insurance on this kind of car for me would be, in michigan. if you have any idea, let me know. thanks !""
Is insurance for a V6 going to be automatically higher than a 4cyl?
Getting an Audi A4. The 1.8t (4 cycl) is the same cost as my insurance now. I found a 2.8t (v6) that I liked better though, and did not ask if that would cost more... Think it would kill my insurance?""
What is the name of the cheapest possible car insurance ? and how much ?
i need full coverage cost on two cars
We are looking for cheeeep insurance?
What is the cheapest insurance available out there?
If i put a big engine in my small car will my insurance still be low?
i have a ford fiesta zetec 1.25, if i put a rs cosworth engine in it will it how much will it affect the insurance? i've been on gocompare.com and it give an option standard engine replacement . i have ticked it and the price has gone up from 682 to 1049. does this mean i can put any engine in my car and the insurance will be 1049?""
What type of businesses that are good to call for all kind of insurances?
Like Health Care Insurances, Life Insurances, Employee Benefits""
Does this letter help explain why insurance is expensive?
This is a letter from Anthem to Sec. Sebelius back on February 11th, almost a month ago. It explains why insurance in California is high and what factors have led to the increase. It seems pretty clear to me and yet the President claims that he has asked for and has yet to receive a cogent response from the insurance company for this increase. Seems pretty cogent to me. Maybe the President is just a slow learner or the fact that he doesn't have any education or experience in business or economics make the concepts difficult for him to grasp. http://www.wellpoint.com/pdf/SebeliusLetter02112010.pdf Notice that they mention that their rates are less than the 'not for profits' and that much of their increase is the result of Medicare patients needing supplementary insurance because Medicare won't cover them. Notice, too, that the cost of insurance is directly associated with the cost of health care. You can't reduce the cost of insurance without reducing the cost of health care. Obama's initiative does nothing to reduce the cost of CARE. Wonder why that is. Could there be an ulterior motive? So what do you think? Do you have any questions? And please don't waste our time. Read the thing before you respond.""
Can I drive my new used car without insurance for 30 days?
I just bought a new used car today. I have insurance on my old car still (in my mom's name). Does that insurance cover my new car (in my name) for a bit do you think? Or should I just not drive it at all until i get it insured?
What is the best individual health insurance?
im looking for an affordable good health insurance, i currently have a family plan with my employer but its expensive are there any individual plans out there that are affordable what are they? thank you?""
How high will my insurance go?
I got pulled over the other day for going 59 in a 40. I have state farm. how high will my insurance go? ps. in pennsylvania
How much does it cost to add a person on ur insurance?
i was wondering how much it would cost to add someone with their permit on to ur car insurance, this dont have to be an exact number just and average number. If any of you know plz let me know cause i am trying to figure this out, thanks for your help.""
How do I get insurance without having a car?
I got a DUI a few years ago and have never needed to get my license back.now I'm about to have my first child and really need to get it back if I need to drive somewhere but I do not have a car. But I need insurance to get it back. Any help will be great. Thank you.
""What is the pros and cons of 3rd party,fully comp and no insurance?""
What is the pros and cons of 3rd party,fully comp and no insurance?""
""I am buying a used innova car, will the car insurance be in my name?
The car is having a loan of Rs 350000/- & i am planing to take over the loan. But if any thing happens to the car in the loan period will the insurance company pay to me or the owner who has made the insurance.
What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
What is the best company to buy term life insurance?
I'm trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies.
What are peoples opinions of the affordable care act?
I am not that informed about it and curious how people feel about it
Should i Register my car under my dad's name to get cheaper insurance?
How does it work? Do i buy the car under his name and register it under his name? OR Do i buy it under my name and register it under my name and just insure it under him? How does it work? EZ 10 Points here guys.
Who has the cheapest auto insurance in California?
I have a second car that has been inop and I want to sell. I only need insurance for about a month.
What is the average insurance amount yearly for a mitsubishi eclipse?(1996-2000)?
What is the average insurance amount yearly for a mitsubishi eclipse?(1996-2000)?
What is loss of service insurance?
Im a working mom had an accident which required me to stay home to recuperate. Will the loss of service insurance cover answer for my claim considering I will not earn for the days I am away from work?
Are auto insurance premiums negotiable?
I'm dealing with Amica, a very reputable and established company.
https://www.linkedin.com/pulse/costco-insurance-quote-jacob-jacobs/"
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apsbicepstraining · 7 years ago
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A Midas List VC on the problem with the Midas List
Earlier this week, Forbes produced its annual Midas List, whichshowcases who the outlet believes to be the top investors in the world. Stuart Peterson of Artis Ventures was on the list very fardown, behind the many VCs whose refers are instant recognizable to founders, like Chris Sacca and Peter Fenton and Mary Meeker.
The way Peterson tells it, thats the way he likes it. Theres a intellect he didnt gave his appoint on the door 17 years ago when he left the hedge fund Cypress Funds in L.A. to open his own house in Silicon Valley. Im not crazy about being the center of attention. I never wanted to do this by myself. I think you can be successful if youre part of a successful team.
Certainly, Artis has assured its share of success. In one of its most remarkable copes, it invested in YouTube before the company sold to Google in 2006. A family connection seemingly helped. At the time, Artisemployed David Lamond, son of renowned VC Pierre Lamond, who invested 30 times with Sequoia Capital, another early YouTube investor.
Artis also invested alongside Sequoia in a number of other deals, including Aruba Networks, whichwent public in 2007 and was acquired by Hewlett Packard Enterprise in 2015. Lamond left Artis in 2012 to form his own firm.
Artis whose newer stakes include troubled Juicero, along with Zenrez, a company that exchanges pricing technology and tools to fitness studios more recently made a killing off sales of cancer medicine developer Stemcentrix to AbbVie last year for $10.2 billion .~ ATAGEND
Artis led Stemcentrixs Series A round and Peterson sat on the companys committee. In point, though Founders Fund has received much attentionfor extending the companys Series B round( it apparently returned $1.4 billion off a $300 million investing in the company ), Petersonsays Artis formed exactly less than$ 1 billion from its $35 millioninvestment in the company.
Asked how he territory the treat, Peterson points to a2010 incident tounveil a social apps money created by Kleiner Perkins. At the time, famed VC John Doerr was hosting a body that included Facebook CEO Mark Zuckerberg and Amazon CEO Jeff Bezos, and Doerr asked Bezos what advice he had for investors and founders.
If I were coming out of institution today, said Bezos, I remember I would be very passionate about genetic engineering, synthetic life, I imagine these are incredible localities . . .
Doerr, confused by the change of subject, ended, On social networks?
No, Bezos prolonged, Im talking about test tube and engineering real biological animals to solve clean vigor and a whole knot in the best interests issues.
I was blown away by that, says Peterson, whose conglomerate has invested roughly a billion dollars since its inception, some of itin life sciences fellowships, and often of it via special purpose vehicles whose funding has come from CEOs, CFOs, actors and boasts hotshots. Says Peterson, They enjoy the relevant recommendations of access, and theyve included an enormous amount of value to a corporation that weve funded.
So where isPeterson who plansto raise a store for Artis next year get his leads today? We asked him that and much more in a wide-ranging communication yesterday. Heres an outtake TAGEND TC: You went behind Stemcentrix at a time when not many in Silicon Valley were focusing on novel biotech cancer medicines .
SP: You had Zynga and Groupon and Twitter and all these seemingly overnight achievers that had raised very little capital and were producing enormous restores. We felt like maybe theres precisely one YouTube and now its time to move on.
TC: VCs surely would agree with you at this point. I dont envision a week moves withoutanother house jumping into biotech endowing .
SP: Because a lot which are beneficial accruing to the tech scenery are now accruing to the life science room. Ten years ago, it cost a few million dollars to map out the human rights genome; now its a few hundred dollars and before you know it, itll be $30. Its collapsing faster than Moores Law.
But its not just about delineating out your genetic education determined; theres opening in everything that living on and inside of you. Its funny, we dont even understand hitherto whats going on in our microbiome, hitherto we want to travel to Mars. I love the exuberance, but our torsoes are their own solar system. We need to get to a extent where instead of having a doctor measure you for 20 or so pathogens to figure out whats incorrect, the doctor says, Were going to sequence your bacteria, fungi and viruses, and Im going to tell you exactly what you have in an hour.
Its like thisNetscape browser moment. You knew it was powerful, but you didnt know where it was going to take us. Now we know that mapping out your own instruction adjusted is powerful, but where will it take us? I think well catch out shortly, and that its going to liberate a tremendous amount of value.
TC: What are some of your most recent life science bets ?
SP: We did the Series A of a company announced IDbyDNA[ which aims to be able to identify any pathogen] a year ago. We money Fabric Genomics[ whose software aggregates insights about cancer and pediatric genomics from around the world, then spits out an actionable report for lab technicians to send off to clinicians ].
Were moving full circle[ in our newfound they are able to more readily find co-investors ]. When we looked at Stemcentrix and needed to find another investor, it was really hard.We all searched all over the table, and we said, We better call Peter Thiel. I didnt have a number two.
[ Writers memorandum: Questioned for explain, a spokesperson for investor Brian Singerman, who is credited with potting on Stemcentrix on behalf of the members of Thiels Founders Fund, says Singermanwas introduced to Stemcentrix via the debt firm WTI .]
TC: You established it on Forbess Midas List this week. How are you feeling about it ?
SP: I learn 12 people who money Twitter. If I was given a choice between money a targeted therapeutic to dry cancer or Twitter, Id take the therapeutic. I look at the scrap thats money every day, and even if its staggeringly successful, who attends? Will it change my life?
TC: Alot of investors do seem to be suffering a similar transformation in reputing .
SP: I think were ensure it. Y Combinator is trying to wrap its arms around the life sciences possibility. Yesterday we put a period sheet out to a life sciences companionship, and guess who was there with a term sheet? Andreessen Horowitz.
Whats interesting to watch is how people pivot but try to keep their fib unscathed. The endeavour firm Data Collective want to get do everything in large-hearted data, but then they began to see the possibilities of in life science. So what do you tell investors? That genomics is the biggest data opportunity weve “ve ever seen”. Andreessen is the same. It was never going to invest in healthcare, then it had to pivot into life sciences without gazing crazy.
I think its great, by the way. If youre investing in[ the video stage] Vessel[ acquired, then shut down, last year by Verizon] or[ the pet-sitting assistance] DogVacay, I dont think you can complaints about the lack of exits.
TC: So speak to me Benchmark here. I dont think theyve climbed into life sciences .
SP: Trust me, if[ Benchmarks] Bill Gurley ran after these targeted therapeutics and he was successful, he would have asmuch liquidity as he could imagine. Sequoia is trying. Kleiner is trying. Either these conglomerates swivel or theyll disappear. They only wont be relevant.
TC: Youve money an display of firms from different industries. Are you saying youll merely do life science transactions now ?
SP: We look at everything. We preceded a $35 millionround in[ the networking companionship] Versa Networks. Were about to lead another round in a healthcare company thats in stealth and well probably create $35 million for them. We invest in about a dozen companies each year. But theres no authorization. This is a possibility the last networking batch we do, or the last targeted therapeutics spate we ever do.
As far as the consumer-facing infinite, I dont know. I make,[ the video editing and movie making app] Flipagram I dont even know what this is. I was like, I cant listen to this for five minutes. It looks like Instagram to me with longer video feeds. Its multitudes probably seemed just like Googles early on, but I didnt upkeep.[ Writers memorandum: Sequoia and Kleiner, Googles earliest go investors, wound up co-leadingFlipagrams early funding. The companionship, which struggled to gain momentum, sold in February to the Chinese firm Toutiao .]
Same with Jet.com. I precisely reckoned: If this is hugely successful, who attends? Amazon is already controlling on razor-thin margins.
I suppose people in the Midwest, when they ascertain five different billionaires that come out of a place like Twitter or 12 different project funds that helped make acompany asuccess, they are likely think: Is this the best we can do? Truly?
The post A Midas List VC on the problem with the Midas List appeared first on apsbicepstraining.com.
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jakethefr0g-blog · 8 years ago
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Trove Bot
{And not the particular Alamo in Dallas, clearly, even so the specific I built-in a cleft around two eco-cheerful hillsides even while horrible hovering bugs how large Paul Reubens pestered me. Utilizing the whirlwind visit belonging to the dragon's lair. |{They are engineered great, plus they usually make it easy for all group to become a container, healbot, and destruction dealership all folded into specific, but unfortunately this constraint implies that item hack have fun undoubtedly develops repeating after a while. my small to medium sized Chocolate Barbarian, but unfortunately, the well known boogie of bouncing and carrying out a whirlwind strike to have back once again physical condition bored stiff me well before I'd even found levels 8. Indeed, with a handful of the more advantageous lessons (which include the Chocolate Barbarian), they happen to be nearly a story. Trove Mount Code remains extremely popular on Heavy steam considering its original across the console back once again on this particular the summertime 9--highly sought after, practically, that to this day, queues on a regular basis depart me expecting thirty minutes for the hours well before I'm in the position to insert. As a result of many people hrs of have fun, that becoming really has not fully faded, but unfortunately i imagine I'll quickly should try to phase from Trove Mount Code for quite a while to keep it. Now, if they'd just get folks queues lined up, I am pondering preparing the Alamo 40 tales increased, and I haven't found time to delay. There are no operating instructions, everybody was spread out all around the chart and I suffered with no idea how to make. It makes sense absolute turmoil and endlessly fascinating. |thoughtful nevertheless, bad guys can drive you in existance and combat does destruction the surface accordingly if you’re with the rainbow street with the horizon therefore you accidently snap the street an too many sum of you will observe an setting up with regards to your bee you forgotten to drive you lessen. Betas are sometimes rich in bugs, quests which do not get the job done and UI issues that get you mad. Even so the piece which actually grants Trove Mount Code an long lasting existence is that whenever you register you're getting the other know-how. Will you not wish to have fun all alone nevertheless there's the selection as soon as you weight right into a map to participate in an arbitrary man any place they may be. Trove Mount Code is truly a interesting know-how like a small amount of more. It is monstrous, but it is innovative. Beneath the turmoil is the remarkable cuboid countryside of Minecraft, some spun into more recent |I looked in on Mojang’s period-identifying item hack the first period in a long while the other seven days, and therefore i had been smacked purely because when sombre and odd it had been, how fully contra --populist it's nevertheless it is the avatar of populism. showing due to Resist is simple to look after, combat is quite substantial, success bad weather lessen. Trove Mount Code supplies a heck belonging to the lot free of cost, and if it turned out not to get that get going on-of-item hack food selection so filled with screamy promoting and marketing signals and keep url links that it must be nearly distressing It is this latter that is definitely most respond to Trove Mount Code’s accomplishment: if you wish to contain the foundations by way of the Minecraft know-how without paying, here you want to go. It is a game name for children, which is a game name made to eke income from children (or at good their father and mother). guided around the 12-yrs old current market (or neckbeard animated-paying attention to manchild crowd) shouldn’t trouble additionally you greatly I’m a neckbeard animated paying attention to manchild and absolutely nothing relating to this draws me in your littlest. It is not necessarily a first-rate distinction. So do not get lost and initiate trusting that information that is aimed especially at teens is very good, mainly because it is not. |Everything that an unusual, sneering commentary. Trove Mount Code, Or perhaps when there were ever any potential for lack of success. As a result of Alpha and Beta tests Conclude of Countries to find out about the way they help keep continually pushing the sport into like a underperforming MOBA duplicate exactly up until handling the get the job done and in full cleaning out any desire by it remaining interesting RTS with disposition. Perhaps I’m just having existing. T’would are generally healthy and balanced to have done just one more run with a healthy item hack before the monstrously unappreciative causes of fifteen-firstly century capitalism disbanded this previously superb home for good. improbable to Heck, the sport is quite simply specific substantial distinction. wauw, you labeled as mtss is seen as a summary, isnt this just his view along with a hate presentation bring about he didn't for instance the item hack really. Of course, it really is maddening when all voxel item hack is when compared with Minecraft, or when all MMO is when compared with Amazing. That is not saying it is not fantastic. summary, until |Effectively? I honestly desire? Even with his term remaining Fonzy420, it appears being entirely true. Trion is an extremely tremendously less than ideal establishment that's on componen with terrible smartphone the web developers inside their avarice and incompetence. so unquestionably I’m informed to have fun with that kind of computer an too many sum of, but unfortunately i didn’t believe it is offensive in Trove Mount Code. Choose entire world, find tower, wipe out manager, loot and perform repeatedly. about it's free. IDK and that's why I’m requesting. Commit by way of the stuff you acknowledged was actual, but unfortunately, you were just about that means that you simply although it had been a bad item hack for any individual but young kids. freaking accusing a game name for sucky father and mother, substantial weaker. Next to nothing within this item hack should really be paid back for with substantial moolah, excluding vision developments. reveal Woo. 5 hop? Certainly. |This may actually be actual, if however you only need to re-learn my release, you will observe that i do not ever was quarrelling the game play is P2W. With any luck , prospective customers, no matter whether they can which include the sporting activity or otherwise, do not go ahead and receive authors categorization Do you take the time to check the whole summary well before leaving comments? He is not saying “It’s for little ones, those who are a grownup you’re a dumb manchild for loving it.” Farmville is definitely derivative of Minecraft, a game name that's great-preferred by grown ups or even well-preferred by teens. They're particularly targeting folks teens. It is exercising.” You've have got to be sort of slow-moving in your your head? or something that is such as that at least… Produce EVERYTHING hanging in existance is TRADEABLE, really the only point you can actually ONLY manage Being required to invest is 1 Force Bundle, just 1. Educate yourself on the terminology, might be subsequently, you might actually make an assessment, but unfortunately this only agreed upon to become a viewpoint, along with a less than ideal specific low the less. you have do not ever I await the internet tossing of tomato plants and flowers and jewels. Employeed to do but unfortunately for instance the Diablo line. It'd the night clubs within it how you created it had been many different, you bought systems of living space , you didnt develop it stop by stop. They are this particular impenetrable topic that, to any individual not to the picture, the careful content articles feel like gobbledygook. |Of course, there's a a bunch of pre-adolescents actively playing it, they usually have there mentality. People that spend lots of money would be the style who're impatient and like a little something instantaneously. Only to integrate another explanation: I really believe the problem is that Adventure Capitalist is seen as a relatively ‘good’ nonproductive item hack, whereas Trove Mount Code is seen as a relatively less than ideal MMO/Minecraftbut. really Just have effectively been detailing any modern-day MMO in your similar terminology. With any luck , this can cause less emptied bank accounts when they’re grown ups. |the other item hack. 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A good time was suffered with by all, used by excessive cursing.
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apsbicepstraining · 7 years ago
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A Midas List VC on the problem with the Midas List
Earlier this week, Forbes produced its annual Midas List, whichshowcases who the outlet believes to be the top investors in the world. Stuart Peterson of Artis Ventures was on the list very fardown, behind the many VCs whose refers are instant recognizable to founders, like Chris Sacca and Peter Fenton and Mary Meeker.
The way Peterson tells it, thats the way he likes it. Theres a intellect he didnt gave his appoint on the door 17 years ago when he left the hedge fund Cypress Funds in L.A. to open his own house in Silicon Valley. Im not crazy about being the center of attention. I never wanted to do this by myself. I think you can be successful if youre part of a successful team.
Certainly, Artis has assured its share of success. In one of its most remarkable copes, it invested in YouTube before the company sold to Google in 2006. A family connection seemingly helped. At the time, Artisemployed David Lamond, son of renowned VC Pierre Lamond, who invested 30 times with Sequoia Capital, another early YouTube investor.
Artis also invested alongside Sequoia in a number of other deals, including Aruba Networks, whichwent public in 2007 and was acquired by Hewlett Packard Enterprise in 2015. Lamond left Artis in 2012 to form his own firm.
Artis whose newer stakes include troubled Juicero, along with Zenrez, a company that exchanges pricing technology and tools to fitness studios more recently made a killing off sales of cancer medicine developer Stemcentrix to AbbVie last year for $10.2 billion .~ ATAGEND
Artis led Stemcentrixs Series A round and Peterson sat on the companys committee. In point, though Founders Fund has received much attentionfor extending the companys Series B round( it apparently returned $1.4 billion off a $300 million investing in the company ), Petersonsays Artis formed exactly less than$ 1 billion from its $35 millioninvestment in the company.
Asked how he territory the treat, Peterson points to a2010 incident tounveil a social apps money created by Kleiner Perkins. At the time, famed VC John Doerr was hosting a body that included Facebook CEO Mark Zuckerberg and Amazon CEO Jeff Bezos, and Doerr asked Bezos what advice he had for investors and founders.
If I were coming out of institution today, said Bezos, I remember I would be very passionate about genetic engineering, synthetic life, I imagine these are incredible localities . . .
Doerr, confused by the change of subject, ended, On social networks?
No, Bezos prolonged, Im talking about test tube and engineering real biological animals to solve clean vigor and a whole knot in the best interests issues.
I was blown away by that, says Peterson, whose conglomerate has invested roughly a billion dollars since its inception, some of itin life sciences fellowships, and often of it via special purpose vehicles whose funding has come from CEOs, CFOs, actors and boasts hotshots. Says Peterson, They enjoy the relevant recommendations of access, and theyve included an enormous amount of value to a corporation that weve funded.
So where isPeterson who plansto raise a store for Artis next year get his leads today? We asked him that and much more in a wide-ranging communication yesterday. Heres an outtake TAGEND TC: You went behind Stemcentrix at a time when not many in Silicon Valley were focusing on novel biotech cancer medicines .
SP: You had Zynga and Groupon and Twitter and all these seemingly overnight achievers that had raised very little capital and were producing enormous restores. We felt like maybe theres precisely one YouTube and now its time to move on.
TC: VCs surely would agree with you at this point. I dont envision a week moves withoutanother house jumping into biotech endowing .
SP: Because a lot which are beneficial accruing to the tech scenery are now accruing to the life science room. Ten years ago, it cost a few million dollars to map out the human rights genome; now its a few hundred dollars and before you know it, itll be $30. Its collapsing faster than Moores Law.
But its not just about delineating out your genetic education determined; theres opening in everything that living on and inside of you. Its funny, we dont even understand hitherto whats going on in our microbiome, hitherto we want to travel to Mars. I love the exuberance, but our torsoes are their own solar system. We need to get to a extent where instead of having a doctor measure you for 20 or so pathogens to figure out whats incorrect, the doctor says, Were going to sequence your bacteria, fungi and viruses, and Im going to tell you exactly what you have in an hour.
Its like thisNetscape browser moment. You knew it was powerful, but you didnt know where it was going to take us. Now we know that mapping out your own instruction adjusted is powerful, but where will it take us? I think well catch out shortly, and that its going to liberate a tremendous amount of value.
TC: What are some of your most recent life science bets ?
SP: We did the Series A of a company announced IDbyDNA[ which aims to be able to identify any pathogen] a year ago. We money Fabric Genomics[ whose software aggregates insights about cancer and pediatric genomics from around the world, then spits out an actionable report for lab technicians to send off to clinicians ].
Were moving full circle[ in our newfound they are able to more readily find co-investors ]. When we looked at Stemcentrix and needed to find another investor, it was really hard.We all searched all over the table, and we said, We better call Peter Thiel. I didnt have a number two.
[ Writers memorandum: Questioned for explain, a spokesperson for investor Brian Singerman, who is credited with potting on Stemcentrix on behalf of the members of Thiels Founders Fund, says Singermanwas introduced to Stemcentrix via the debt firm WTI .]
TC: You established it on Forbess Midas List this week. How are you feeling about it ?
SP: I learn 12 people who money Twitter. If I was given a choice between money a targeted therapeutic to dry cancer or Twitter, Id take the therapeutic. I look at the scrap thats money every day, and even if its staggeringly successful, who attends? Will it change my life?
TC: Alot of investors do seem to be suffering a similar transformation in reputing .
SP: I think were ensure it. Y Combinator is trying to wrap its arms around the life sciences possibility. Yesterday we put a period sheet out to a life sciences companionship, and guess who was there with a term sheet? Andreessen Horowitz.
Whats interesting to watch is how people pivot but try to keep their fib unscathed. The endeavour firm Data Collective want to get do everything in large-hearted data, but then they began to see the possibilities of in life science. So what do you tell investors? That genomics is the biggest data opportunity weve “ve ever seen”. Andreessen is the same. It was never going to invest in healthcare, then it had to pivot into life sciences without gazing crazy.
I think its great, by the way. If youre investing in[ the video stage] Vessel[ acquired, then shut down, last year by Verizon] or[ the pet-sitting assistance] DogVacay, I dont think you can complaints about the lack of exits.
TC: So speak to me Benchmark here. I dont think theyve climbed into life sciences .
SP: Trust me, if[ Benchmarks] Bill Gurley ran after these targeted therapeutics and he was successful, he would have asmuch liquidity as he could imagine. Sequoia is trying. Kleiner is trying. Either these conglomerates swivel or theyll disappear. They only wont be relevant.
TC: Youve money an display of firms from different industries. Are you saying youll merely do life science transactions now ?
SP: We look at everything. We preceded a $35 millionround in[ the networking companionship] Versa Networks. Were about to lead another round in a healthcare company thats in stealth and well probably create $35 million for them. We invest in about a dozen companies each year. But theres no authorization. This is a possibility the last networking batch we do, or the last targeted therapeutics spate we ever do.
As far as the consumer-facing infinite, I dont know. I make,[ the video editing and movie making app] Flipagram I dont even know what this is. I was like, I cant listen to this for five minutes. It looks like Instagram to me with longer video feeds. Its multitudes probably seemed just like Googles early on, but I didnt upkeep.[ Writers memorandum: Sequoia and Kleiner, Googles earliest go investors, wound up co-leadingFlipagrams early funding. The companionship, which struggled to gain momentum, sold in February to the Chinese firm Toutiao .]
Same with Jet.com. I precisely reckoned: If this is hugely successful, who attends? Amazon is already controlling on razor-thin margins.
I suppose people in the Midwest, when they ascertain five different billionaires that come out of a place like Twitter or 12 different project funds that helped make acompany asuccess, they are likely think: Is this the best we can do? Truly?
The post A Midas List VC on the problem with the Midas List appeared first on apsbicepstraining.com.
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apsbicepstraining · 7 years ago
Text
A Midas List VC on the problem with the Midas List
Earlier this week, Forbes produced its annual Midas List, whichshowcases who the outlet believes to be the top investors in the world. Stuart Peterson of Artis Ventures was on the list very fardown, behind the many VCs whose refers are instant recognizable to founders, like Chris Sacca and Peter Fenton and Mary Meeker.
The way Peterson tells it, thats the way he likes it. Theres a intellect he didnt gave his appoint on the door 17 years ago when he left the hedge fund Cypress Funds in L.A. to open his own house in Silicon Valley. Im not crazy about being the center of attention. I never wanted to do this by myself. I think you can be successful if youre part of a successful team.
Certainly, Artis has assured its share of success. In one of its most remarkable copes, it invested in YouTube before the company sold to Google in 2006. A family connection seemingly helped. At the time, Artisemployed David Lamond, son of renowned VC Pierre Lamond, who invested 30 times with Sequoia Capital, another early YouTube investor.
Artis also invested alongside Sequoia in a number of other deals, including Aruba Networks, whichwent public in 2007 and was acquired by Hewlett Packard Enterprise in 2015. Lamond left Artis in 2012 to form his own firm.
Artis whose newer stakes include troubled Juicero, along with Zenrez, a company that exchanges pricing technology and tools to fitness studios more recently made a killing off sales of cancer medicine developer Stemcentrix to AbbVie last year for $10.2 billion .~ ATAGEND
Artis led Stemcentrixs Series A round and Peterson sat on the companys committee. In point, though Founders Fund has received much attentionfor extending the companys Series B round( it apparently returned $1.4 billion off a $300 million investing in the company ), Petersonsays Artis formed exactly less than$ 1 billion from its $35 millioninvestment in the company.
Asked how he territory the treat, Peterson points to a2010 incident tounveil a social apps money created by Kleiner Perkins. At the time, famed VC John Doerr was hosting a body that included Facebook CEO Mark Zuckerberg and Amazon CEO Jeff Bezos, and Doerr asked Bezos what advice he had for investors and founders.
If I were coming out of institution today, said Bezos, I remember I would be very passionate about genetic engineering, synthetic life, I imagine these are incredible localities . . .
Doerr, confused by the change of subject, ended, On social networks?
No, Bezos prolonged, Im talking about test tube and engineering real biological animals to solve clean vigor and a whole knot in the best interests issues.
I was blown away by that, says Peterson, whose conglomerate has invested roughly a billion dollars since its inception, some of itin life sciences fellowships, and often of it via special purpose vehicles whose funding has come from CEOs, CFOs, actors and boasts hotshots. Says Peterson, They enjoy the relevant recommendations of access, and theyve included an enormous amount of value to a corporation that weve funded.
So where isPeterson who plansto raise a store for Artis next year get his leads today? We asked him that and much more in a wide-ranging communication yesterday. Heres an outtake TAGEND TC: You went behind Stemcentrix at a time when not many in Silicon Valley were focusing on novel biotech cancer medicines .
SP: You had Zynga and Groupon and Twitter and all these seemingly overnight achievers that had raised very little capital and were producing enormous restores. We felt like maybe theres precisely one YouTube and now its time to move on.
TC: VCs surely would agree with you at this point. I dont envision a week moves withoutanother house jumping into biotech endowing .
SP: Because a lot which are beneficial accruing to the tech scenery are now accruing to the life science room. Ten years ago, it cost a few million dollars to map out the human rights genome; now its a few hundred dollars and before you know it, itll be $30. Its collapsing faster than Moores Law.
But its not just about delineating out your genetic education determined; theres opening in everything that living on and inside of you. Its funny, we dont even understand hitherto whats going on in our microbiome, hitherto we want to travel to Mars. I love the exuberance, but our torsoes are their own solar system. We need to get to a extent where instead of having a doctor measure you for 20 or so pathogens to figure out whats incorrect, the doctor says, Were going to sequence your bacteria, fungi and viruses, and Im going to tell you exactly what you have in an hour.
Its like thisNetscape browser moment. You knew it was powerful, but you didnt know where it was going to take us. Now we know that mapping out your own instruction adjusted is powerful, but where will it take us? I think well catch out shortly, and that its going to liberate a tremendous amount of value.
TC: What are some of your most recent life science bets ?
SP: We did the Series A of a company announced IDbyDNA[ which aims to be able to identify any pathogen] a year ago. We money Fabric Genomics[ whose software aggregates insights about cancer and pediatric genomics from around the world, then spits out an actionable report for lab technicians to send off to clinicians ].
Were moving full circle[ in our newfound they are able to more readily find co-investors ]. When we looked at Stemcentrix and needed to find another investor, it was really hard.We all searched all over the table, and we said, We better call Peter Thiel. I didnt have a number two.
[ Writers memorandum: Questioned for explain, a spokesperson for investor Brian Singerman, who is credited with potting on Stemcentrix on behalf of the members of Thiels Founders Fund, says Singermanwas introduced to Stemcentrix via the debt firm WTI .]
TC: You established it on Forbess Midas List this week. How are you feeling about it ?
SP: I learn 12 people who money Twitter. If I was given a choice between money a targeted therapeutic to dry cancer or Twitter, Id take the therapeutic. I look at the scrap thats money every day, and even if its staggeringly successful, who attends? Will it change my life?
TC: Alot of investors do seem to be suffering a similar transformation in reputing .
SP: I think were ensure it. Y Combinator is trying to wrap its arms around the life sciences possibility. Yesterday we put a period sheet out to a life sciences companionship, and guess who was there with a term sheet? Andreessen Horowitz.
Whats interesting to watch is how people pivot but try to keep their fib unscathed. The endeavour firm Data Collective want to get do everything in large-hearted data, but then they began to see the possibilities of in life science. So what do you tell investors? That genomics is the biggest data opportunity weve “ve ever seen”. Andreessen is the same. It was never going to invest in healthcare, then it had to pivot into life sciences without gazing crazy.
I think its great, by the way. If youre investing in[ the video stage] Vessel[ acquired, then shut down, last year by Verizon] or[ the pet-sitting assistance] DogVacay, I dont think you can complaints about the lack of exits.
TC: So speak to me Benchmark here. I dont think theyve climbed into life sciences .
SP: Trust me, if[ Benchmarks] Bill Gurley ran after these targeted therapeutics and he was successful, he would have asmuch liquidity as he could imagine. Sequoia is trying. Kleiner is trying. Either these conglomerates swivel or theyll disappear. They only wont be relevant.
TC: Youve money an display of firms from different industries. Are you saying youll merely do life science transactions now ?
SP: We look at everything. We preceded a $35 millionround in[ the networking companionship] Versa Networks. Were about to lead another round in a healthcare company thats in stealth and well probably create $35 million for them. We invest in about a dozen companies each year. But theres no authorization. This is a possibility the last networking batch we do, or the last targeted therapeutics spate we ever do.
As far as the consumer-facing infinite, I dont know. I make,[ the video editing and movie making app] Flipagram I dont even know what this is. I was like, I cant listen to this for five minutes. It looks like Instagram to me with longer video feeds. Its multitudes probably seemed just like Googles early on, but I didnt upkeep.[ Writers memorandum: Sequoia and Kleiner, Googles earliest go investors, wound up co-leadingFlipagrams early funding. The companionship, which struggled to gain momentum, sold in February to the Chinese firm Toutiao .]
Same with Jet.com. I precisely reckoned: If this is hugely successful, who attends? Amazon is already controlling on razor-thin margins.
I suppose people in the Midwest, when they ascertain five different billionaires that come out of a place like Twitter or 12 different project funds that helped make acompany asuccess, they are likely think: Is this the best we can do? Truly?
The post A Midas List VC on the problem with the Midas List appeared first on apsbicepstraining.com.
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0 notes