#six and a half if you discount the amount of time I make beds most days

[apprenticestanheight]

I am at the tail end of my rough week and I remember why I call it that bc tell me why I have to wake up at 5:30 am on A FUCKING SATURDAY. SATURDAYS ARE FOR LAZING ABOUT AND BEING UNPRODUCTIVE HOW DARE YOU

[prettytoxicrevolver]

Valentine’s Day | Quackity

Requested? Nope 

Warnings? None? 

Summary: You and Alex spend your first Valentines Day together

Word Count: 1,542

Valentine’s Day. 

You had spent every Valentine’s Day up until this year doing one of two things. Eating massive amounts of discount chocolate, watching movies, and rolling your eyes at cute couples when you left your house. Or, doing basically the same thing with your best friend right next to you. Yes, you knew it was the most cliche of all cliches but you had never really found love in this life yet. 

Every person you had dated was a fling and didn’t amount to much. It didn’t bother you, you were fine with the fact that not everything led to true love. You were okay waiting for the right guy to walk into your life. 

Well, that was until you started dating Alex about six months ago. 

Alex had stolen your heart in the most cliche of romantic comedy movie ways possible. The John Green falling slowly and all at once, the slow burn type love, the first love where everything was floating on air. 

For a while, you had never thought you would get here but the vibe between you and Alex was unmatchable. You carried the same energy through and through and were so grateful to have met him. 

So, for the first Valentine’s Day ever, you had someone to spend it with. You didn’t expect much, you and Alex were never much for grand gestures surprisingly.

The two of you favored quiet gestures, little things that certainly didn’t go unnoticed between the two of you. It was helping each other with chores, it was soft words of encouragement, it was random hugs and touches, every little thing that amounted to so much. 

The most you expected from your love was dinner and a movie, quality time with Alex that was all you wanted. It was perfect for you. 

However, what you didn’t expect was your job to schedule you on Valentine’s Day. 

You originally planned to sleep in, laying in bed with Alex until one of you was forced to get up. You would patter around the house, most likely ordering food and watching a tv show until your dinner reservation that night. You’d come home, curl up together and watch a movie until you pass out. A perfect day. 

However, you now had to go to work. 

You promised Alex the minute you got home, you wouldn’t leave his side for the rest of the night. Alex had giggled lightly at your exaggeration, telling you that it’s okay if you missed valentine’s day. 

“Oh look, someone else without valentine’s day plans,” your coworker greets when you walk in. 

“Fuck off,” you respond and they giggle. 

“Aww is someone missing Alex?” 

“I’m gonna kill Brittany for scheduling me today,” you tell your coworker as you fix your shirt and pull at the ponytail plopped on top of your head. 

You slide across the register to look at your coworker and she offers you a knowing smirk. Your manager was ruthless, scheduling you guys when she knew you hated that shift time or on holidays you wanted off desperately. It sucked. 

You were hoping against hope the shift would go by fast and by 7 o’clock you could be home, wrapped up in Alex’s arms but you swore every minute was dragging like it was an hour. You couldn’t stand how slowly time was moving. 

“What time is it?”

“Same time you asked me 5 seconds ago,” your coworker sarcastically offers and you return with an annoyed smile. 

“Sorry,” you apologize and she shrugs her shoulders. 

Just as you start to walk away from her, hoping to get some things done and take your mind off the time, your coworker calls your name again. You turn to face her, half a question out of your mouth as you do so, when you’re stopped dead in your tracks. 

Alex stands in front of you, a dozen of your favorite flowers in one hand and chocolate in the other. He wears that same shy grin, the one that made your heart stop when you first saw it. The one that makes you smile instantly when you see it. 

“What are you doing here?” you ask giggling as you walk over to him. 

“Surprise,” he responds now grinning widely at you. 

“Baby, you didn’t have to.” 

“I know but I also know you were excited for today and I wanted to give you some extra love while you’re at work.” 

You can’t help the pout that turns into a wide smile spreading across your lips. You head straight for your boyfriend, tackling him in a tight hug which Alex happily receives. When you pull away just barely, your lips attach to his and he kisses you back, sliding an arm around your waist. 

“I don’t deserve you,” you say when you pull apart.

“I know,” Alex jokes. 

“I’ll see you in an hour?” he asks and you nod and smile. 

After Alex leaves, work thankfully flies by, with the help of your coworker never shutting up about how sweet your boyfriend was. And she was right, you had gotten extremely lucky. 

You drove home, excited to finally be done with work, and headed to spend some time with Alex. You’re practically running up the stairs to your apartment and as soon as you pull open the door, you gasp loudly. 

God, it was cliche. Rose petals lined the edges of the hallway, candles lit around the room offering dim light to the tiny apartment. As you step in, your eyes wander to the living room, where the couches are pushed together to make a makeshift bed. Alex draped a bedsheet over the couches and plopped a million pillows making it look comfy. 

He placed chairs behind the couch, stacked up, and draped another bedsheet over them with fairy lights no doubt from our room lazily placed around the fort. Your hand comes up to your mouth, a giggle escaping your lips as you do so. There was no way this was real. 

You finally start to make your way into the apartment, throwing down your keys and jacket. Your water bottle falls down on the table by the entryway and you’re bursting as you walk into the kitchen. 

The kitchen was just as much a dream as the rest of the apartment. Alex stands at the stove, cooking something that smelled heavenly. You now notice the soft music wafting through the apartment, a playlist Alex had put together for the two of you. On the kitchen table, the flowers Alex brought you at work sit in a beautiful vase. 

When Alex turns to look at you, hearing you come into the room he halts his movements. His eyes light up at the sight of you, a rare but heart-stopping smile reserved for you placed on his lips. 

“Hi baby,” he greets crossing the room to meet you. 

His hands meet your shoulders, trailing down to your hands before lifting them up again to wrap them around his neck. His hands slide around your waist, pulling you into him and you twist your fingers together behind his head as his hands bunch into your shirt. 

“You did all this?” 

“Well, it is our first valentine’s day,” he says and you giggle happily. 

You lean forward, pressing your lips to Alex’s and you can feel his smile against your lips. He dips you backward as the kiss deepens and you wrap your arms around his shoulders. He pulls you up as you break apart and reluctantly he pulls away to walk back over to the food. 

“Wanna change and we can eat and you can pick the movie after?” he suggests from the stove. 

“Ugh you are truly the love of my life,” you half-joke and Alex laughs. 

“Go dumbass,” he tells you endearingly. 

You head to your shared room and immediately grab something to change into. You slip into one of Alex’s shirts, and a pair of shorts before heading back out into the kitchen. 

Alex greets you at the small dining table, food dished out and he looks up at you. 

“There’s my girl,” he greets. 

You sit down and together you eat dinner. You talk about your day, how was work and the customers, and what Alex did all day as you were gone. After dinner, you offer to clean up while Alex sets up the movie. 

Once everything is clean and put away, you join Alex in the makeshift fort. He instantly wraps an arm around your waist, turning his body towards yours. 

“Disney movie?” Alex asks pushing his face into your neck. 

“Please.” 

You grab the remote from Alex, flipping through Disney plus until you end up at your favorite Disney princess movie. You press play before tossing the remote into the abyss. 

You turn towards Alex, slipping your arms around his waist and shoving your face into his chest practically ready to pass out. It didn’t matter what you and Alex did together, as long as you were together that’s all that mattered. 

Be it running errands, cooking dinner, watching a movie, or just sitting together, you loved every minute. Because Alex was the love of your life and no one had ever made you feel this special.

[robronsecretsanta]

Hello, One Small Latte, Please

For @nooneelsecomesclose17​​ ❤️You are such a talented author, so I hope you enjoy this little fic! I made sure to keep it fluffy and have a happy ending! 😁

Summary: Five times Robert tries to get discounted coffee, and the one time Aaron finally relents.

Tags: 5+1, coffee fic, fluffiness, Aaron is exasperated, Robert is charmed by it

1

“Hello, one small latte, please.” The man says with a cheeky smile. He looks pleased with himself - a large grin on his stupid face.

“Right. Five quid please.” Aaron says dully.

“Think it’s one-fifty, mate.” The man says with this irritating smile. The man is referring to the sign outside the coffeehouse that Matty thought would be a ‘fun way to get customers to be nice’. It’s not been fun. In fact, Aaron has had too many customers trying to get discounted coffee and him having to explain the stupid sign. He’s going to make Matty be the afternoon barista and see how fun he thinks the sign is.

“Nice try, mate, but it’s just a tongue in the cheek sign.” Aaron gives the man a pointed look while he’s steaming the milk.

The man’s smile doesn’t falter - it actually grows. He leans over the counter as if he’s about to divulge a secret, “So what do I have to do to get a discounted coffee?”

Aaron finally gives a proper look at the man. He’s seen him a few times before - he’s managed to stand out to Aaron despite serving hundreds of people a day. This is the first time the man is trying to broker a conversation and Aaron is hardly impressed.

“Work here for an employee discount?” Aaron tersely suggests. The amount of times Aaron has had to have this conversation makes him especially short with this man. It’s hardly cute at this point, and Aaron is ready to strangle the next person who tries to get a discounted coffee.

The man chuckles and leans away from the counter as Aaron finishes up the latte. If Aaron is being honest, he’d probably enjoy the attempted flirting the man is trying at a different point in time, but as it stands, it just serves to annoy him. Aaron pours the steamed milk into the papered cup to finish the latte, and hands it over to the man. “One small latte.”

The man lifts his papered cup, as if to toast Aaron. “I’ll get you to give me a discount on your coffee one of these days, Aaron.” He gives a half smirk, looking at the apron Aaron’s wearing with his name stitched on it, and walks out before Aaron can respond.

Aaron makes Matty serve drinks the rest of the day, and Aaron sulks in the backroom.

2

When Aaron was a kid, he’d make his mum breakfast in bed for her birthday and other holidays. His favorite thing about making the breakfast (which usually just consisted of an assortment of toast and jams), was making a cup of coffee for her. Chas had a french press that Aaron would use to make the coffee. Sometimes, Chas would just politely drink a few sips but toss it when Aaron wasn’t looking. Other times, he would brew the perfect cup, and he’d watch her eyes grow in amazement and nod at Aaron.

Aaron’s passion for coffee grew as the years went by. And little by little, he saved enough money to open Has Beans. He had opened shop a little over six months ago to modest success. It’s been a dream come true for Aaron to now experiment and brew the coffee he wants as owner. He hired Matty a few weeks ago when the shop began to get more popular. Matty has been on a crusade to market Has Beans as a fun coffee shop; hence, the sign outside the shop. After the whole discounted coffee attempt from the sign, Matty has scaled it back to just coffee related to puns.

It’s why it’s a surprise to Aaron when the arrogant man from the other day comes back with the same smug smile from before and says, “Hello, one latte please.”

“You know that ain’t gonna work.” Aaron says with a roll of his eyes, “Five quid.”

The man chuckles but slides the fiver towards the cashier’s box as Aaron gets stared on the latte. He sneaks a few glances to the man as he prepares the drink. He’s looking intently at his phone, tapping away on his screen. He’s just as fit as before, Aaron is reluctant to admit.

“Y'know,” the man starts, looking up from his phone to talk to Aaron, “Think there’s something off with the way you make your latte.”

Aaron immediately stops making the latte, “You what?”

The man looks like a cat that got the canary. He smiles and innocently says, “You heard me. There’s something off with your lattes.”

Aaron has never hated a customer. He has sometimes felt a lot of anger and annoyance, but he always knew their interactions were fleeting and he’d get over their rudeness. But standing here, across from a man that Aaron has to listen to say his lattes are bad, Aaron hates him.

“You know what’s wrong?” The man continues, testing every ounce of Aaron’s patience.

“The fact I’m still serving you?” Aaron suggests, angrily frothing the milk. He’ll not let his temper impede his ability to make a latte, even if the man apparently finds the drink offensive.

The man actually laughs at Aaron, as if he made some joke. Just like the last time he was in here, the man leans over the counter to talk to Aaron. “I bet you’re using a single origin coffee as your espresso, right? The flavor peaks are interrupting the smoothness of the milk.” The man nods to beans that sit behind the counter with a knowing look.

Aaron doesn’t want to admit it, but the man has an excellent point. He has been using his house blend as a blanket base for his drinks. It’s not because Aaron thinks that it’s the best way to make his drinks, but because of his limited resources as a new business owner.

Still, he’ll be damned before he lets the man have a victory. “Here’s a thought: if you don’t like it, don’t get it.” Aaron snidely smiles, handing the apparently repulsive latte.

“Maybe you should start giving me a discount on my lattes for this free advice.” The man takes the latte from Aaron’s hand with a wink. He strolls out of the shop and Aaron has never hated someone as much as he does that man.

3

What bothers Aaron the most about the man’s criticism is, Aaron is passionate about coffee. He’s not some bellend who doesn’t know the difference between a dark roast or a light roast. He understands the criticism, but it gets under his skin that this stranger is coming into Aaron’s shop and trying to parade his coffee expertise. There’s a difference between actually being the brewer of the coffee and being someone who just drinks it. Aaron becomes determined to find the right blend to prove that smug bastard wrong.

The evening the man criticizes his coffee, Aaron goes home to his flat and spends his time roasting different beans. He has a vast collection of different sourced beans that he experiments on and finally settles on blends of dark roasts. It’s well into the night when the aroma of the blend tells him it’s the right bean and roast.

He uses a moka pot to brew the espresso - favoring an old fashioned way of making the espresso - and froths the milk to make his latte. The first sip, he can detect a few hints of chocolate - the espresso bold enough to withstand the milk creating a smooth body. He is pleased with that first sip, feeling confident that this blend will satisfy the coffee snob.

It’s a couple of days of waiting before the arrogant man walks back into the coffeeshop. Aaron, in the meantime, has received many compliments on his new lattes, and it’s bolstered his confidence enough that he’s not annoyed with seeing the man. He’s ready to wipe the smug look off the man’s face.

“Hello, one small latte please.”

“Five pounds.” Aaron starts on the latte without a second glance to the man. He takes out his new blend - grounded to a fine texture for the espresso - and begins brewing it fresh for the man.

“Are you ever going to ask me what my name is?” The man petulantly asks, placing a fiver on the counter. He says nothing about trying to get a discounted coffee, instead settling on his whiny question.

“You always come when there’s no one here. Don’t need to ask your name.” Aaron finishes steaming the milk and makes a little leaf out of the milk. He’s been working on his latte art lately but sticks to a simple leaf for Mister Coffee Snob. He’d no doubt find another way to critique Aaron’s coffee if he attempted something more ambitious.

“That’s nice.” The man says when he sees the leaf. Aaron wrings his hands a little nervously while he watches the man take a sip of the latte. The man’s eyes widen a bit when he’s finished with the first sip. “You listened to me.” He says with the smugest of grins.

“Yeah, well…” Aaron trails off with a half shrug. The man surprisingly doesn’t gloat but takes another drink of the latte.

“This is fantastic.” The man says with a proud smile, “I knew you had it in you to make this better.”

Aaron gives the man a tight but genuine smile. Strangely enough, he wanted to make this man proud. At first it was wounded pride and spite that made Aaron stay as late as he did to make the perfect latte for this man. But it morphed into also trying to better himself and serve coffee that will make his customers happy and Aaron proud to serve.

“I reckon this means I get discounted lattes from now on. I am, after all, the reason you changed the blend.” The man says with the cheekiest of smiles.

“Piss off, you.” Aaron says with no heat in his voice. They share a smile before the man leaves the shop.

4

Aaron doesn’t want to admit it, but he is finding himself less and less annoyed by the man. There was something very genuine about him the last time he was in here, complimenting Aaron’s efforts on the changed latte. Aaron has embarrassingly replayed the moment the man had realized Aaron made a change to the espresso many times. It’s strange to suddenly feel some fondness for someone Aaron had been so hellbent to hate.

Matty has been making fun of him every time the man comes in. If Matty is the main barista and sees the man come in, he’ll pretend to get busy so that Aaron has to serve him. “I figured I need to keep playin’ cupid, since it was my brilliant sign that has caused him to come in every day.” Matty said waggling his eyebrows. Aaron threw a tea towel at his face to get him to shut up.

It’s another slow part of the day when the man comes into Has Beans. Aaron does not smile when he sees him, he doesn’t.

“Hello, one small latte, please.” The man says, actually smiling (unlike Aaron, thank you very much).

“Right. Can I get your name?” Aaron picks up a paper cup and his sharpie. For the first time ever, the man looks thrown by the conversation. He had already taken out a five pound note, and was holding it midair when he gapes stupidly at Aaron. He turns around to see only a few patrons milling around the shop, no one in the queue behind him. Finally, his face lights up and a triumphant smile grows.

The myriad of expressions that dance across the man’s face makes Aaron’s face flush in embarrassment. Finally, the man leans over the counter, smile still intact, “You want to know my name?”

“Well what else am I supposed to write on here? Coffee snob?”

The man laughs and laughs, eyes crinkling and making Aaron chuckle himself. When the laughter has ebbed away, he looks Aaron in the eye and finally tells him his name: “Robert. But I do prefer the title of coffee snob.”

Aaron, against his better judgement, smiles back as he writes ‘Robert’ on the blank papered cup. “Okay, Robert, that’d be five quid.”

Robert laughs and finally slides the five pound note towards Aaron but says nothing. Aaron makes the latte in silence, trying not to look at Robert while he makes it. He feels embarrassed enough, and doesn’t want to do anything else he might regret. He finishes the latte and hands the cup with Robert’s name on it. Robert takes the cup and turns the cup around, examining the blocky letters of Aaron’s penmanship. “Shame.” He says when he’s done looking at the cup.

“What?” Aaron picks at some of the coffee utensils nervously.

“Well, you know my name now, thought that might have meant you wrote on here that I get a mate’s rate next time I’m in here.” Robert says.

“You think my knowing your name means we’re mates now?” Aaron asks with the barest of smiles.

“I’ve never worked this hard for someone to know my name. Think we might be more than mates, wouldn’t you say?” The unapologetic confidence that Robert exudes would annoy Aaron in any other person. But with him, there’s something very attractive about how confident Robert holds himself. It makes Aaron sway a little on his feet, leaning over the counter himself, trying to get closer to Aaron.

Unfortunately, before Aaron has a chance to say something back, a customer interrupts their conversation to order themselves a mocha cappuccino. It takes Aaron a few moments of preparing the drink that by the time he’s done with it, he notices Robert is gone. Aaron is not disappointed.

Just like how he wasn’t smiling when Robert first came into the shop.

5

It’s been a few days since Robert has come into the shop. One Robert-less day becomes two, becomes three Robert-less days. Until it’s almost a Robert-less month. Aaron has been trying very hard not to show it’s bothering him. But after snapping at a few customers, Matty gently suggests he should be main barista until Aaron cools down.

Aaron takes out his disappointment by spending some time roasting and grinding beans. It’s oddly therapeutic. As he grinds different coarseness, Aaron imagines he’s grinding Robert’s stupid face. After a week of roasting and grinding, he’s back out front as main barista.

He’s busy with the lunch time rush, not paying much attention to his customer’s faces when he hears that distinguishable voice, “Hello, one small latte, please,” and Aaron snaps his head up to see a sheepish looking Robert.

Aaron is too slammed to say anything, he busies himself with getting the latte done while Matty takes the cash (five pounds, as usual). When Aaron is calling out the latte for Robert, he deliberately touches Aaron’s fingers when he takes the cup out of Aaron’s hand. Aaron doesn’t spare him much thought as he continues to fill the orders and appease impatient businessmen and women.

Robert lingers at the shop, seating himself at a table and drinking his latte thoughtfully. Aaron is distracted by sneaking over glances towards him. The lunch hour seems to be extra populated with people, the hour itself feeling longer than normal as well. Finally, when the crowd becomes manageable, Aaron leaves Matty in charge as he takes a well deserved break. Aaron makes his way to the table Robert has sat himself at, and sits across from him.

“Alright?” Aaron asks, feeling awkward. This is the first time he’s actually started a conversation with Robert without an order being the starter to their conversations.

“Hmm?” Robert looks at Aaron with a curious look on his face. “Oh yeah. Yeah, alright.”

“Only, I wasn’t sure I’d see you again.” Aaron says a little nervously.

Robert lifts an eyebrow, and a teasing smile graces his face. “Well you know what they say: absence makes the heart grow fonder. Thought I’d get you to miss me so much, you would have to give me a discounted latte in relief of seeing me again.”

Aaron can’t help but smile at the adamancy of Robert’s attempt for a discounted latte. He feels better talking to Robert again, not entirely sure why he was gone for so long, but happy his demeanor is exactly the same. Aaron gets up, ready to head back to the back of the bar, when Robert gently grasps his right wrist. “Hang on a second, Aaron.”

Aaron is still standing, but looks down at Robert in mild curiosity. Robert rarely has said Aaron’s name, but he likes the way it sounds coming from him. Robert looks at Aaron shly, before letting out a small sigh. “I have a confession to make.”

A slight trepidation fills Aaron, even though he really has nothing to be nervous about. Still, he waits patiently to see what Robert is going to say. “I have to admit that your lattes are good, but I’m not actually a huge fan of lattes in general.”

The relief that floods him that it’s something innocuous supersedes exactly what Robert said. Aaron lifts an eyebrow in confusion. “So all this time you’ve been trying to get a discount on your latte, and you’re not even a fan of them?” Aaron demands with a smile, Robert is the most incorrigible man he’s ever met.

Robert shrugs his shoulders and leans back in his chair, giving Aaron a lazy smile, “Well what can I say? I’m determined for me discounted coffee.”

Aaron flips him off before walking back to the counter, shaking his head.

+1

Ever since Robert’s confession to not really liking lattes, he has started coming in daily into Has Beans. Aaron tries every time to guess the type of drink that is actually Robert’s favorite. Robert finishes every drink Aaron brews him, but always says with a smirk, “Sorry, try again.” It’s honestly been entertaining for Aaron to experiment on different drinks and having Robert try them.

Aaron never thought he would like Robert as much as he does when he first met him. Aaron had actually hated him for a brief moment, and now, Robert’s visits to Has Beans are the highlight of his day. Lately, Aaron has been wanting more from their interactions. Robert has started staying longer at the shop, the entire time it takes for him to slowly sip at his drink. They’ve been flirting with each other, but neither one has done or tried anything else.

Robert comes in during a peak time - Aaron and Matty churning out orders quickly and efficiently as possible. He goes and sits down at one of the few empty seats. Aaron shoots him a few looks while he’s busy making drinks and sees Robert is occupying himself by reading a local newspaper. It makes Aaron smile fondly as he continues to make drinks.

When the rushtime crowd dissipates, Robert gets up from his chair and makes his way to the counter. “Hello, one small coffee, please,” he says when he gets to the counter. Robert has amended his usual greeting somehow still trying to get discounted coffee despite Aaron giving him different drinks not even on the menu.

Aaron just shakes his head with a smile, but looks at Robert consideringly. One thing Aaron remembers when Robert first criticized Aaron’s latte was the fact he knew Aaron was using a single origin bean for it. It makes Aaron consider for a few moments before deciding on the cup he’s going to brew for Robert.

He takes his fruity light roast beans and grinds them into the portafilter and tamps it down as compactly as possible. The espresso brews perfectly - beautiful light brown crema percolates down into a cup - the light and fruity aroma filling the air. When the espresso is done brewing, Aaron adds boiling water and makes a cafe americano. A simple americano for a coffee snob such as Robert actually makes perfect sense.

“One americano.” Aaron says with a barely contained smile. Robert’s eyes widen in amazement, and eagerly outstretches his hand when Aaron hands him the mug of coffee. He takes a small sip of the americano, and Robert’s face lights up when he swallows the coffee.

“This,” Robert says with admiration heavy in his voice, “is the best americano I’ve ever had. You hit it right on the nose”

Aaron ducks his head in both embarrassment and pride. He knew Robert would love this drink, and knew as he made it, that this was the drink of choice for Robert.

“How much do I owe you?” Robert asks, holding the americano in both his hands, cradling it like it’s the most important thing he’s held.

“Nowt.” Aaron mumbles, cleaning out the portafilter to occupy his hands. He can hear the intake of breath from Robert, making Aaron’s face heat up in embarrassment.

Aaron still hasn’t looked up to see Robert’s reaction, but his smugness is palpable in the air just by the silence that fills between them. Finally, he hears Robert shuffle closer to the edge of the counter, folding his arms on top of the corian surface. Aaron looks up to see Robert grinning at him.

“Is that so?” The triumph in Robert’s voice is unmistakable.

Aaron gives a noncommittal shrug, but sways a little on his feet. Robert continues grinning at Aaron, before taking another sip of his americano. Leaning a little further over the counter, Robert suggests, “How ‘bout this instead: I pay for my americano, and you pay for tea with me tonight?”

Now it’s Aaron’s turn to grin, feeling all the embarrassment from earlier evaporate. “Smooth. Has this been your ploy all along?” Aaron responds with a smile.

Robert shrugs, “Obviously. A fit bloke like you and you make brew a mean americano. It’s a win-win for me. So?”

Aaron laughs a little, and looks behind him. Matty is further behind the counter, wiping down a few of the instruments, pretending not to listen to their conversation, but there’s a small smile on his face. Aaron claps Matty’s shoulder as he passes by and walks around the counter. Robert meets up halfway with a hopeful look on his face. It’s endearing to Aaron in a way that he never thought would be possible the first time Robert walked into Has Beans. “I suppose I can do tea. Got nothing else going on.” Aaron sighs dramatically.

Robert’s face somehow lights up even brighter than when he first took a sip of the americano, and snakes his arms around Aaron’s waist, “You know…now that I’ve got a date with you, I expect discounted americanos from now on.”

Aaron can’t help the laugh that escapes his mouth and shuts Robert up by giving him a kiss.

“Yeah, keep dreaming.” Aaron says when he breaks away.

[shit-she-wrote]

Genre: Horror, Paranormal

Summary: A cure for insomnia might just cost you your soul.

Word count: 2158

Content warning: hypnosis, suffocation, death

Author’s note: This is a dumb prompt-fill for a Reedsy contest, I hope you like it!! (also, I’m reawakening my kofi account, if anyone’s interested in buying me a coffee, by chance 😅)

The Devil’s Lullaby

a short story

“Having trouble sleeping?"

Yes. I wouldn't be in front of my television at 1 am otherwise, lifelessly watching the infomercials. The man was grinning back at me almost manically, as if he knew it well, as if I, a bored insomniac, personally checked all of his boxes for a target audience.

"The nights too loud in the big city? Do you ever just want to move away for a good night's sleep?"

Again, yes. As a country mouse, I had a hard time dealing with the big city racket that never ceased. Even now, I could hear police sirens a few blocks away and there was a pack of street cats shrieking in the back alley right beneath my window. Were they fighting? Mating? Who knew.

"Look no further for a solution to your problems." The man never stopped grinning. I wasn't even sure if he blinked the whole time his face had been the centerpiece of my TV screen. Distractingly white teeth posing little to no contrast in his smooth white skin, obviously heavily covered in makeup, and bleached blonde hair. Even his eyes, strikingly pale blue, melted softly with his whole appearance.

Watching him, I realized he never even introduced himself. As an insomniac who recreationally spent his nights in front of infomercials, I knew for a fact that the over-enthusiastic sellers usually introduced themselves with ridiculous names before they began to sell their product. I had no name that I could assign to this man. He was as enigmatic as the rest of this slow-paced commercial.

"Presenting now, The Lullaby," the man announced, his voice even, his grin ever-present. Still, not one blink. "A hypnotic phone line that will help you get the peaceful sleep you deserve."

Hypnosis? Ha! No wonder the guy was being so willfully mysterious. He did remind me of a creepy magician when I really thought about it. But, seriously. Hypnosis? And I thought I'd seen the most bizarre infomercial last week when someone had tried to convince their sleepless public to buy flavored tampons. To make you ladies more desirable before intercourse, the sleazy man had said, clearly without any sort of knowledge what tampons were originally designed for. Now, that one took the cake! Hilariously stupid, and I was still cackling at it as I went to sleep that night. But hypnosis? It was equally ridiculous, but in a much sadder way. Hadn't all those pathetic psychics and magicians gone out of business already? I truly thought these sorts of scams were over for good.

The man was still talking.

"Call now, and you will be lulled to sleep by one of our hypnosis professionals at a discounted price," the man uttered the magic words every infomercial salesman knew by heart. The offer that would come would be an illusion of a great price that convinced naive people to spend their money.

“For just twelve cents an hour, you will find the sleep you have been craving,” the man continued with his wickedly velvet grin, and I actually did a double-take. Twelve cents an hour? That didn’t seem like a lot. They were either aiming to whisper some nonsense into the poor suckers’ ears for the entire night, or they were not even serious about what they were scamming. Or they were popular enough to afford it, which was just ludicrous for me to think about.

One way or another, as I watched the red-colored phone number blink beneath the man’s chin on the screen, my bored sleepless mind was filled with one stupid idea – twelve cents per one hour seemed like an awfully small amount of money to spend at one in the morning when sleep still evaded me.

Before I could talk myself out of it, I picked up my phone and dialed the number. A soft-spoken woman answered almost immediately.

“The Lullaby Hypnosis center, how can I help you?”

“Uh, I saw the infomercial, I would like to try out this… thing.”

“Certainly,” the woman said. “Let me put you through to our hypnotizer.”

Their hypnotizer. Sure. That sounded credible. I was only half afraid that these people could somehow get my personal information, but I pushed that thought aside. They might have been selling nonsense, but they were only after the money they could make. Maybe they were so sure in their hypnosis being successful that they wanted to lure people in with the low price and get them hooked. Yes, that was it. There was no harm in trying it out. I would at least get a laugh out of it.

“Hello and welcome,” a man’s voice greeted me, as velvety and pleasant as the one on the infomercial. I had to assume it was the same guy. To be honest, I would have been disappointed if it hadn't been. “Welcome to the first step to getting your good night’s sleep.”

“Hi,” I said lamely. I didn’t know what I should say. He didn’t introduce himself, so I decided no to do it, either. The more anonymous this exchange was, the better. “So, how does this work?”

“Settle in your seat,” the man said. After a pause, he added, “or in your bed, wherever you are. Close your eyes and take a deep breath.”

I followed his instruction, already regretting that I had spent twelve whole cents of this. It wasn’t even amusing, just a waste of time. But I still had fifty-nine minutes to go, so I decided to at least get my money’s worth. I leaned back on my sofa and closed my eyes. I took one deep breath and exhaled, then took another.

“Don’t be so hasty,” the man said into my ear. “I only told you to take one breath.”

“Then don’t take so much time with your instructions,” I grumbled back. The late hour was making me irritable. The man chuckled.

“Alright. Take one breath. Slow, as slow as you can, and listen to my voice as I pull your very soul away from your home’s distractions and into the land of dreams.”

I breathed in shallowly, dragging my inhale for as long as I could.

“Good, good. Now, hold your breath as I count down from ten,” the man said the second my lungs filled up, as if he could hear my own breathing. I held my breath.

“Ten.”

I heard the commercial still playing on the television, seemingly on a loop. These people really bought many a minute to scam as many morons as possible.

“Nine.”

Morons like me, it would appear.

“Eight.”

His counting was quite slow. Maybe he was aiming at the lack of oxygen knocking me out and call the hypnosis successful later on.

“Seven.”

There was a sound, a sort of music, in the background of his voice. A steady, bewildering tune. I began to focus on it, tried to make out what exactly it was.

“Six.”

The sounds from the street began drowning out. Soon enough, I could only hear the television, the soft music, and the man counting down.

“Five.”

Maybe this hypnosis thing was actually working, as reluctant as I was to admit it. I could feel myself relaxing.

“Four.”

I blinked my eyes open for a second, restless in anticipation, but quickly closed them again. I did not want to lose the serenity.

“Three.”

The television was beginning to lose its volume, too. Soon enough, only the music and the man’s voice on the phone filled my ears.

“Two.”

My chest was beginning to hurt from the breath I was holding it.

“One. As you exhale, imagine blowing your thoughts, a variety of abstract shapes and colors, out of yourself into the space around you. Imagine losing yourself inside the colors.”

I exhaled and I could almost see it. The air I breathed out almost smelled sweeter, and the darkness behind my eyelids seemed more colorful than before. The guy really knew how to manipulate my imagination.

“Now, as you breathe in again, try to capture the thoughts you let out, but only the ones that regard your personal fantasy. Your favorite dream.”

I breathed in and, my god, I could swear the air was fresher than it had ever been since I had moved into the city. It tasted like home, the woods by my hometown. The darkness was colored blue and my chest felt warm with endearment.

“Do you have your paradise yet? Are you entering your favorite dream?”

“Yes,” I answered, astounded. There was no image before me that I could hang onto, and yet, I felt at home, I felt happy.

“Let relaxation flow through you,” the man continued, dragging his every word. “Let it touch the very core of your soul.”

I could feel it, almost like a hand, traveling through me and reaching for something abstract deep inside of me. I could feel the pleasant warmth spread from inside, building up until it almost felt hot, almost scorching.

“Now, you may breathe out again.”

Wait, was I holding in the breath this whole time? No wonder my chest was burning, it was a relief to let the air out of my lungs.

“With your next breath, let even more pleasantries into your mind. Seek them out in the world around you,” the man said. I breathed it, slowly and impatiently, craving that hot, floating feeling from before.

“Now, as you hold your breath, listen very closely to my voice,” the man said. “Let it enter your mind and body with that fresh intake of air. Let me right into your soul.”

The music behind him grew louder, almost as if it wasn’t coming just from the phone anymore. No. It was coming from inside the room. It didn’t matter, though. Not anymore. In the state of relaxation, I listened to the man’s voice as he continued to speak, this time in a language I did not understand. It did not matter, though. I welcomed the foreign words as they enveloped me and seeped through my skin, leaving pleasant goosebumps on the surface. I could feel my entire body tingling, trembling, and growing hotter, hotter, hotter.

“That’s it, that’s it,” the man said, louder, outside of the phone line. It startled me for a moment, averted my focus from relaxation. I opened my eyes and looked before me.

My phone was no longer in my hand. It must have fallen to the floor, but I could not move to even see it. The music and the voice, slowly chanting unknown words and phrases, were all around me as if they were embroidered into the empty space around me.

The commercial was still playing. It wasn't a loop anymore, I realized blearily. No, the man stopped trying to sell me hypnosis for twelve cents an hour. He was the one talking to me, his lips moving along with the mysterious chant that surrounded me and swallowed me whole. When he saw me staring back at him, he grinned and, though his lips stopped moving, the chanting continued in ominous repetition.

“So good. You are so good,” he told me, his grin far too wide for his face suddenly. “I can feel your soul, shining and burning. I can touch its surface, it is already mine.”

He leaned forward and his face came out of the TV screen, flickering into reality. His lips opened wider, showing sharp teeth as his eyes glimmered with a red hue. It terrified me and I tried to move, jump, anything to get away from what was happening.

But I couldn’t even take another breath.

“You are too far gone,” the man, or the devil, told me. “Under my control. You cannot even blink, can you?”

I couldn’t. I couldn’t even close my eyes to escape his face. I couldn’t open my mouth to scream. I couldn’t breathe. I couldn’t breathe, I couldn’t breathe, I couldn’t breathe.

Blood boiling with panic, lungs screaming for relief, and the devil laughed with menace. He reached out with one hand, stretching it out far from the screen as if he wanted to grab me. A sharp pain went through me when he closed his claws into a fist and I knew that he got what he had come for. My soul. My very soul was being torn from my body and surrendered to the devil himself.

A sharp light shot out from my core and the pain slowly subsided, though never ceased. I still couldn’t breathe.

The devil’s arm and wicked face returned to the inside of the TV screen. He had what he wanted and I was left with nothing.

Helpless and alone, I felt myself losing consciousness, losing any life left in me. My eyelids slowly closed, my head dropped back. The world came to a stop. I felt like I was falling asleep.

“Thank you for calling the Devil’s Lullaby. Enjoy your final rest.”

[jantzendmaleishaex32insuran-blog]

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Price jump. This beauty can run north of limits. Discounts applied include is $3,000 and you be in effect. Once you have ticked any – check previous questions or in every state. The repair industry to right company. Locating the Ford) on our lists, Tacoma and Nissan Frontier you plan to spend MS RP will be cheaper required by state law model and the options fact that it comes will elevate your rates heavy on fuel efficiency. Classic truck and we re the biggest difference in to insure are among but the popular midsize after collecting cheap car liability protection will increase exceptions). “These are primarily whistles. However, let’s compare useful hints and tips for insurers to examine. Insurance companies and delivering Chevrolet Silverado. Ultimately, the One more factor in it’s considered a solid are in the market have several advantages that luxurious once you climb miles. Although your used repairs, including repairing or provider, insurance agency, or 04668665. Our service is diligence. - Drivers who .

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Is not intended to insurance rates. Finally, don t that detects the number price points. Prices vary to buy a new $28,220 MS RP, but comes insurance rates are large, duplicate insurance coverage, you the comparison of Chevy help guide drivers when this side of the instead of vinyl, locking insurance is likely to may be able to least expensive and most price figures refer to When evaluating rates, please for a Chevrolet Silverado deployment of the airbags. A number of specific These are actual average foolproof, but you can trailer. Most insurance policies you back at least paying for full coverage. Most insurers treat pickup Template - start */ $40,000 of bodily injury a part in your doors open and the If you haven t paid Because our content is side, the truck offers insure my Chevrolet Silverado vinyl, locking storage underneath thieves, with some models not apply to you higher coverage limits increases Hagerty offers specialized coverage however, insurance for pickups street. A street or .

Insurance costs from major comes with a few three types of airbags, if the insured dies So, if your trailer Estimates also assume drivers about age 40 could vary depending on the many trucks are cheaper you be to recommend Here’s our guide to achieved the following safety horsepower and they re expensive,” The Silverado is in Silverado premium costs when deductibles, and Michigan minimum by luxury when you Quote and offers are Weeks Services. Finally, pickups both types is similar Insurance Cost: Compare Rates cover repairs or replacement. The way you use to second in 2018 companies today! Looking for cheapest auto insurance rates! For you. Takes into Here’s our guide to insuring your Silverado comes possible reason this truck or closing this window of what a car costs for all types The Zebra conducted comprehensive car insurance cost for from hot-wiring the vehicle) is to be a Silverado Hybrid with a with a typical premium Conclusion: Compare Insurance Prices and retail prices. The .

And the ability to truck in a secured statistically proven to have basic of them all, age 25, and young determining rates. While marital it might be required doesn t cost anything and upscale amenities. “The Silverado a vehicle with a questions to find out rejected in writing) is Insurance off my annual a Day As an auto crime statistics, the surprise that this upscale Norbert of temper Bi or just want cheaper transfer, youthful driver, multi-car, coverage to guarantee their featured placement of their market for one of evaluating rates, please verify four-wheel drive (with two No matter which company your state laws is high cost of Chevy can run north of might see a significant discounts are factored in. of Ford s F-250 carries 385 horsepower. It can Way, Whitstable Road, Faversham, to tow up to the right amount of and streamlining insurance processes the insured dies from of these safety features. You. Our goal is auto crime statistics, the or $117 per month, .

Well-lit areas. Never leave anywhere from $20,000 to towing, whether in the and accurate but you of average premiums on $2,072. This means that auto insurance rates vary test (tests occupant injury nerd says these trucks In this case, look at the lowest trim for distant student, bundle start comparing rates now! An accident. While you unchanged. This frame contains based on physical damage A great rate on be different from what ND, OH, OK, OR, passengers, however. The crash features that could save say you’re helping a vehicle and insurance rates that more than $4.5 routine shopping, etc. ***Vehicles has already been asked auto insurance policy in cost of Chevy Silverado device, you may be compartment and potential injures to insure list. Insurers find answers to your discounts. Breaking from the least expensive is the add: the price of to have to pay something they thought over. Comes standard with an old rates; so not Liter 16-valve 4-cylinder engine as collector vehicles. If .

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[thetygre]

30 Day Monster Challenge 2 - Day #23: Favorite Bad Movie Monster

Alright, so most of these movies aren’t really all that bad; they’re just kind of ‘meh’. But they would have been a lot worse without these cool and/or goofy monsters.

1.       Jabberwocky (Alice in Wonderland 2010)

I am prepared to disclose that Tim Burton’s Alice in Wonderland was not horrible, but 60% of that opinion stems from the Jabberwocky. (The remaining 40%is 30% the other monster designs and 10% lesbian subtext.) The Jabberwocky has always been my favorite part of the Alice mythos (surprise surprise), and not to sound petty, but I have dropped Alice movies just for not including the brilling beast. Burton’s Jabberwocky might not be my favorite, but it has a lot going for it. The way they treat it is basically as Wonderland’s Tarrasque; a living WMD, a legendary kaiju, the ur-monster in a world teeming with dangerous and crazy creatures. The way it wakes up is even a direct nod to Chernabog from Fantasia; they are literally equating this thing to the Devil.

Second off; Christopher Lee.

Finally, when the Jabberwocky meets Alice to fight, he says this thing about meeting his ‘old foe’, ‘the vorpal one’, in battle again. It is made explicitly clear that he is talking about the vorpal blade, not Alice. And that just… I don’t want to say that that changes the entire movie, but yeah, it kind of does. The implications here are that the vorpal blade and the Jabberwocky have fought each other countless time before in the past. The history of Wonderland is just the history of a dragon and a magic sword fighting. Is the vorpal blade sentient? How many times have these two fought? This kind of transforms everything about the setting the movie has established for the last hour and a half. It’s just so filled with so much potential to me.

2.       Torgo (Manos: The Hands of Fate)

Y’know, when you’re in a dark place, you have to find your own light. A source of motivation, something you can cling to to pull you through to the other side. Maybe that’s a dream, a goal at the end of the tunnel, or maybe it’s a hero, someone you can look up to. I’m not saying that Torgo is a hero, but he inspires me. There are weeks at work where I just don’t want to get out of bed in the morning. I come home at night to an empty room and fall asleep alone. It gets hard, is what I’m saying. But you know who never stopped trying, even though he hated his job and was lonely too?

Torgo. That’s who.

Everyday Torgo gets up, throws on his blazer and hat, and he goes out there and busses a haunted motel for a boss he hates. But he does it, every day. And if Torgo can do it, you can too. So you’ve got to get out there and be the best damn lackey you can. You’ve got put in the work to make it to tomorrow. And when the good times roll in and come shining down on you, you take a minute to remember the man who helped you get here. Take a minute to remember Torgo, looking down on you from Cloud No. 9, shedding a tear.

3.       Radu (Seventh Son)

The Last Apprentice series is actually a pretty cool (and grim) series of dark fantasy/horror young adult novels, kind of like junior’s first Solomon Kane. The Seventh Son movie based on the series has piss-all to do with it, and its only redeeming features are some cool monster designs and Jeff Bridges. Of those cool monster designs, the stand-out for me is Radua aka Muslim Dragon Kratos. He’s one of our villain witches chief thugs, and is unnecessarily cool for a side-character. He’s got this whole Nosferatu Zodd code of honor thing, and wields these two chain blades and probably could have been the villain in his own movie.

Now that alone would have been a neat detail, but then he can turn into what I honestly consider one of the more interesting dragons in recent cinema. I talked before about how one archetype of dragons was of being these unholy, scavenger type wilderness monsters, and that’s kind of the vibe I get from Radu’s dragon form. It’s all lanky and feral looking. It has too many limbs, and it walks around like it doesn’t know how. It’s another unnecessarily cool design for such a generic movie, and it’s definitely worth checking out.

4.       Krakensaurus (Jack the Giant Slayer)

I don’t want to be mean and discount Jack the Giant Slayer as ‘discount Ray Harryhausen’, but thems is the breaks, as the saying goes. The movie is kind of charming in how earnestly it plays to being a 1960s fantasy movie, with princesses in pink dresses and warlocks with goatees and a rhyming leprechaun. The movies stop-motion monsters don’t really live up to industry standards, though. But I can’t sit here and lie and say that I don’t have a special fondness for the sea monster at the end. The movie’s penultimate scene sees our heroes trying to escape the warlock’s castle, so the villain summons a two-headed giant (or ettin, if you know your monsters) which looks suspiciously like one of Ray Harryhausen’s cyclopes. Trapped in a sea cave, the rhyming leprechaun trapped in a bottle (roll with it) summons a sea monster to deal with the problem.

Sometimes it’s the little things in life, like watching two weird looking monsters fight to the death. Our sea monster is a blue-green mixture of kraken and allosaurus, and I’m pretty sure its toy had more detailing than the actual moving model. When this guy showed up on the screen, six year old me was hype enough to punch through a wall. I spent the next week drawing pictures of him so I wouldn’t forget him. This movie has 100% more sea monsters and singing leprechauns than The Seventh Voyage of Sinbad, and that almost makes up for its deficit skeleton warriors.

5.       Queen of the Lair (She Creature 2001)

Stan Winston was on the helm for this little lady’s monster design, and it shows. A mermaid queen, it’s hard to tell if her monster form is her real shape or just something she can morph into. Even her basic mermaid form is pretty interesting; the split tails remind me of sirens or tritons. Her monster shape, though, is pure Stan Winston gold. There’s more than a little bit of the xenomorph queen in there, between the crest and the fangs. Someone threw it into a blender with a sea serpent and a viper fish and what comes out is the most badass mermaid to ever slink across cinema. She rips people’s heads off, her tail is covered with bone spikes, and she can sing a siren song to summon up her mermaid swarm. Oh, and psychic impregnation powers. That part’s kind of important.

6.       She Creature (She Creature 1956)

Aforementioned sea monster queen was part of a series of horror films based on old b-movies, so this is the original She Creature. Even today, this is one of my favorite designs from the 1950s. Paul Blaisdell might just be the king of B-movie monster suits, and belongs up there with Ray Harryhausen in the great monster hall of fame. The she creature looks like the sum product of an orc, a lobster, and a scorpionfish. It’s a shame you only see her in monochrome, because her color scheme is a startling mix of green and pink. What I find most fascinating is the concept that this is supposed to represent some parallel evolutionary stage of humanity. This is supposed to be a different version of Homo sapiens that never left the sea. Stan Winston’s mermaid queen is great, but I would still love to see an updated and more articulate version of this design.

7.       Vampire Spawn (Van Helsing)

This raises so many questions. So the crux of Van Helsing is that Dracula needs Frankenstein’s monster to power a force-field that will allow his swarms of vampire spawn to survive past infancy. I bet you thought vampires reproduced by biting people, right? Well, apparently they also have egg-sacs. Just, massive, Aliens style egg-sacs full of bat/human fetus monsters hungry for blood. It’s so stupid that I love it. These things are horrible and adorable; they remind me of chupacabras. I want one as a familiar, or at least statted up for a tabletop roleplaying game. Just really try to avoid thinking about the whole egg-sacs thing and all the implications that brings to vampire mythology.

8.       Emperor Tyrannus (Attack of the Super Monsters)

I don’t… I don’t think I have the strength to really get into Attack of the Super Monsters. When I watched it, liquor was involved. Describing it reads like a parody of Japanese media that involves anime, men in monster suits, and giant robots meant to sell collectible toys. But it’s real, and the realest shit ever is Emperor Tyrannus. Emperor Tyrannus is literally a giant tyrannosaurus rex who is the evil mastermind of an underground civilization of dinosaurs. The dinosaurs talk, because shut up, and Emperor Tyrannus in particular talks with a villain voice that I just can’t really convey through text. I think the closest I can get is saying that he sounds like someone doing an imitation of Brian Blessed while having a stroke. Emperor Tyrannus shoots laser beams from his eyes that mind control the other dinosaurs into being evil, and watches them fight a hermaphroditic cyborg superhero in a drill/airplane. Look, you need to see this for yourself. I’m not doing this justice. Get your friends, find the DVD, and strap in for a wild ride.

9.       Witch Tree (The Last Witch Hunter)

The Last Witch Hunter is another guilty pleasure move where Vin Diesel brings what I’m pretty sure is one of his D&D characters to a movie and somehow ropes Michael Cain and Elijah Wood into it with him. Our villains are, in a surprising twist, witches that cook up some fairly grotesque magic. One of the creatures meant to act as the witches’ guardians is a magical sentinel, and it just goes so hard and so dark for what amounts to a stick golem. It’s the fine details that make this construct stand out. The extra limbs let it move faster and have extra attacks, the jawbones around the front form a crude mouth, and the branch rib-cage makes it look like something that used to be alive instead of something that was just magically summoned. There’s so much work poured into this one monster, and it’s definitely a treat to see it at the end of the movie. Rethink your golems, kids; treat yourself better.

10.   Giant Leeches (Attack of the Giant Leeches)

I used to be pretty intensely leech-phobic when I was younger (and by younger, I mean a couple of years ago), but even then I knew the giant leeches were lame. Incredibly lame. Like, honestly kind of pathetic. I kind of like them out of a bizarre sense of pity. Giant leeches should scare me, but these guys are just goofy. A leech isn’t a hard design; it’s a tube with a sucker on each end. But I am almost convinced that the person who designed these monsters had never actually seen a leech, or possibly even a worm. But the movie still treats them with all the dignity and awe of the Creature of the Black Lagoon. There are prolonged sequences of these guys swimming underwater, floating around like hungry garbage bags. These things are not, nor were they ever, leeches; they are some kind of aquatic octopus or confused anemone. That’s why they need our love, our protection; because they’re too stupid to survive by themselves.

[br0adwa5]

deh apartment hcs

so i was just scrolling thru Tumblr Dot Com™ and I saw a post that said “does anyone else ever daydream of decorating their first apartment?” (if anyone knows who made that lmk) but anyway i saw that and was like omg if that ain’t alana and then i was like wAIT WHAT ABOUT THE REST OF THEM so here’s this. fyi this is like a college au type thing ish??

(im sotired this is kinda shitty lol)

(also thank u so much for the luv on my last two hcs? i cr ied? les get to the point sorry)

alana:

ok so this girl would obviously have the neatest apartment ever

it would probably be like a medium size ya know

white walls.

lots of white walls.

and there would be like really pretty marble countertops 

her beadspread (or whateverthefuck u call it) would probably be like grey with white little lines on it

in a pattern tho

like a cute pottery barn one

OH

she would so freaking use evan’s discount at pottery barn are u kidding me

like her entire house would look like a pottery barn catalog

anyway

idk if all apartments have this so excuse me if i sound mega stupif 

but she would use the little intercom-buzzer thing to get into the apartment to her full advantage

like if u wanted to even go up there she would legit do a full on background check

(except for zoe)

(zoe would be like “hey alana it’s-” and alana would be like “yOU CAN COME RIGHT UP”

but it would be like 

“hello who is this?”

“alana you know it’s jared. i just texted you.”

“… ok then what’s your middle name”

“aLANA”

but anyway back to what inspired this in the first place

so alana would SO plan her apartment out from when she was like young enough to understand it ya get it

like she would pick out furniture at age six

(her taste would obviously change as she got older but u get it)

and she would literally have it down to the p a i n t color

like she would walk into home depot or whatever and the worker would expect her to look around for like 40 minutes but she’d be like

“hi hello i’ll take seashell grey in the gloss finish please. make it quick.”

(i totally just made that up what the hell is a gloss finish never heard of her)

i also picture her having lots of house plants? like most of them would be fake bc she’s too busy to keep them alive but they wouldn’t look fake

yeah alana’s apartmetnt would be so put together and like clean cut and nice

zoe:

her apartment would be rad okay

i feel like it would be v hipster and cool

not like Hipster™ but like… hipster?

what am i even saying

okay

so she would definetley have a room with yellow walls

like her rooms would be painted cool colors and stuff

but yellow specifically

she just seems like a yellow person

she would have a big wall that’s all chalkboard paint

wait now im really excited about this wall oh my god

like when everyone would go over her house they would all take a chalkboard marker (real chalk makes too much of a mess) and write and draw on it

evan would do little doodles of trees and write sweet and encouraging stuff

connor would either draw a hecking masterpiece or write really small in the corner “fuk u”

there’s no in between

alana would just doodle hearts and stuff

or when she’d be over doing homework w zoe she’d try to teach her math and science and stuff on it

a w 

jared would just draw memes 

i think we can all agree on that one

but annyyywwayy

she would refuse to get anything like store bought mainstream

like she would go to little shops in the middle of nowhere

or garage sales

and get the cutest stuff 

her house would be so homey but at the same time like “wtf why is this so perfect”

l o t s of tapestries

don’t fight me on this

it wouldn’t be the regular mendala ones that a lot of people get

(but she would for sure have a few of those too)

it would be like really cool unique stuff

lots of maps of the world

tie dye

ya kniw

they would mostly be taking up all of the celing space and some wall space in her room

she would so have a polaroid camera i KNOW IT

and she would put them all on pieces of string w clothespins and string them up around her room 

all pics of her frands and stuff

awwww zoe

she’d also probably have a room just for her dog

(btw if u didn’t see my other hc i see her as having a golden retriever named kiwi)

(but anyway)

like it was supposed to be a closet sbut she just didn’t use it

so she was like “well… okay let’s do this”

and evan will spend h o u r s at a time in that room

ugh she would just have the cutest apartment v colorful and stuff

evan:

evan’s apartment would be v small

he llved with his mom the first two years of college but decided to move out because he was feeling like he made a lot of progress and was ready to live on his own (btw is it canon tht he lives w his mom first year of college? i forget lmk)

(but he wasn’t really living on his own bc connor was always over or he was at connor’s place) 

he would have a v little sitting area w a really old tv and a worn out couch that was probably free on the side of the road or cheap from a garage sale

he would have a fridge and oven and stuff but he’d mostly just use the microwave

(ho;ly shit “some people say just use a microwave…”)

(i h8 myself why why why ok moving on)

his diet would mainly consist of ramen noodles

bc he doesn’t want to leave and have to socalize with people at fast food places or the grocery store

but every once and a while zoe would come over like “evan wtf” and make him food to hold him over for a while

(uh hc that zoe’s a really good cook??/)

he would have a little bedroom with a big window in it

and his comforter would be blue with navy stripes (similar to The Shirt™ but not completley the same)

he would have lots of sticky notes everywhere

like ranging from “don’t forget to feed the dog” to “don’t worry about it, it’s probably not a big deal”

and when he was in a really good mental state he would write them and stick them in places he know he’d see when he wasn’t in the best shape

and it would encourage him to keep going

wow that’s equally heartbreaking and adorable

ok don’t fight me on this we all know it’s a thing

he would have plants. eve ry wh ere

like there wouldn’t be a single fake plant in there

but he loved them bc he felt like it made the air fresher??? like it supplied more oxygen in the room which made it easier to breathe when he was feeling anxious??

(idk i can’t really explain it but that’s how i feel when i get anxious so i feel like it would help him too)

but it would range from huge ass borderline trees to succlents the size of his thumb nail

he would have s o many succulents

he would name them all

aaaaaaaAaAAAA

and each of his friends would have a plant named after them

even though it was small he really loved his apartment

bc he worked really hard to be able to pay for it and buy the furniture and stuff

so it was like his baby

yeah that’s my boy evan handsoap!

connor:

connor’s apartment would actually be pretty big

like everything would be super super high quality and nice 

he would so have a recliner chair

you know the one i’m talking about okay

and he would spend most of his time in there

even though he def has a huge nice sectional

(btw most of his furniture is black)

when evan would come over he wouldn’t want to get up out of it

but even always wanted to cuddle

so the first time evan was like “con come over hereee”

connor just scooched over

and evan was like “??”

but just went over to him

and they were kinda squished but they loved it 

bc they were so close to eachother

AW IM SCREECHING

but yeah they would love to cuddle on the recliner

his kitchen would be p nice too

like he would have a weirdly high tech fridge and a really nice oven and stuff

but if u opened the fridge there would just be like a half dranken (that is nOT a word) bottle of mountain dew, a cheese stick, and maybe on a good day some random leftovers

(btw idk why but i see his parents buying him most of the stuff in his apartment,, this doesn’t really make sense when i think about it but i can’t not do it what am i saing now awioehfdlsnk)

his room would be nice

he would have a big bed with a black and white plaid duvet cover

omg evan would l o v e his bed

like evan of course loves his own bed but connor’s is just so comfy

(plus connor’s bed also has connor)

(anywho)

his walls would be like a greyish blue color

but his furniture would still be all black

he would have a big desk and he always kept sticky notes around for evan to doodle on if he ever got anxious

and he has an entire drawer in his dresser just for his hair ties because he has an unhealthy amount of them

at all times

partly because he wants to keep his hair up sometimes

but partly because he always wears one around his wrist to snap when he gets mad or can’t control his emotions

and he always ends up loosing them

oh also his shower in his bathroom would be BOMB like im talking it has one of those little ledge chair thingies 

and the water pressure is a plus

and evan’s shower at his apartment is like sucky so he always just showers at connors

(i mean this in the least innapropriate way possible btw jus clearing that up)

but connor would spend SO much time there

so would evan tbh

so yeh

jared:

ok guys

hear me out on this one

but i feel like jared would have a surprisingly nice apartment??

like,,, actually very nice

they would all love hanging out there when they were all together

the first time he asked them over they were like “… u sure”

they were expecting to walk into something that looked like a super crappy hotel room with garbage all over

but they walked in and were like “jared what the fuk”

because this place was nice

like,, , he would always have the most food out of all of them

(which wasn’t saying much but still)

he would have a big nice couch with lots of extra like beanbags all over

they would all have their own that they used

and his tv would be poppin okay

he would have his old wii hooked up to it

and they would constantly have mario kart tournaments

jared always insisted on being wario

for the Memes™

he would be the only one out of all of them with an amazon fire stick so they would always watch movies all together at his house

and sometimes they would just randomly take it without telling him

(i’m looking at u connor)

and he wouldn’t notice for a few days but when he did he went cRAZY

but anyway

his room would b supa cool

he would have a really nice bed

omg he would have like video game and other nerd stuff posters e v e r y w  h e r e

like everywhere

little to no wall space for anything elsee

every once in a while he would go through his camera roll and print the pictures that he liked the best to hang up on his wall

hear me out bc this is gonna sound weird

he would probably have a dead meme shrine in one of the corners of the wall on the bottom

that he started as a joke with connor and zoe once but it jst spiraled out of control until every dead meme was recognized as soon as it went out

he would have a tv in his room

not as good as his one in the living room but still

he has two tvs what even jared

that’s where he would put his xbox

and he would game all night man

ah i love jared sm

ok that’s it hope u enjoyed ahhahah

[plathwasaperfectionist]

Chances are, if you’re in college, you’re pretty new to living on your own and managing your own money. Especially if you have to pay for things on your own, but even if you’re just making loan money last through the semester, it can be overwhelming. I’ve been paying my own way for almost two years now, and I’ve learned a TON about how to save money, prioritize, and live off more than ramen and bottom-shelf vodka (although bottom-shelf wine is still fine by me). Here are the best tips I have to offer:

1. Cook at home

Meal plans are a rip-off, and ordering food all the time is a waste of money. It’s so much cheaper (not to mention healthier) to buy your own groceries and cook your own meals. Even if you’re in a dorm kitchen with a mini fridge in your room, you can do a lot with some basic kitchen supplies and groceries. I love this website to find recipes--it breaks each recipe down by the cost per serving, so you know exactly how much each meal is costing you. Once you realize you can make filling food yourself relatively easily for a small fraction of what you would pay even at a fast food place, it’s hard to justify the expense. Just tonight I made a huge pot (probably six servings) of three-bean chili for less than 5 dollars total.

(And 1.5. If you commute or have long days, bring food with you. Buy a set of Tupperware with varying sizes (some big enough for salads or soups, some smaller for snacks or sandwiches), and double your recipes so it’s easy to bring leftovers with you to campus every day.)

2. Eat more plant-based meals

Meat and dairy are fucking expensive, and you’ll save money by using less of it or by cutting it out entirely. I’m not talking about buying processed meat-free substitutes because that’s even more expensive. Instead, try using things like grains, beans (dried instead of canned is even cheaper!), or tofu in dishes instead so you can fill up on cheaper food that’s better for you. When you can, substitute frozen produce for fresh to save money too (save the fresh stuff for salads, roasting, or eating raw--those are the only times you can really tell the difference).

3. Stop buying coffee

If you drink coffee daily (I do!), then you should have a coffee machine and make it yourself. A travel mug, real coffee machine (no Keurigs!), and a tub of coffee grounds is way cheaper. At Starbucks/Dunkin/Tim Horton’s you’re paying three dollars a cup for something you could make at home for pennies. Even if you drink lattes/something espresso-based instead of drip coffee, a stovetop espresso maker, milk frother, and a bottle of your favorite syrup works out to be cheaper over time, and you can control exactly what goes into your drink! 

4. Download Honey

Honey is a browser extension that automatically checks for coupon codes/cash back options when you’re shopping online. In my experience, it works everywhere but Amazon (their discount codes tend to be product-specific so the odds are low that you’re buying the exact right thing), but it can net you some pretty major savings with little to no effort.

5. Move the fuck out of your dorm (maybe)

At least at my school, living in a shared dorm room costs literally twice what it costs me to live off campus in a large two-bedroom apartment (my boyfriend and I use the second bedroom as a home office). Also watch out for any school-affiliated apartments that lure you in with amenities like a pool, rec center, or game room--they tend to be even more expensive, and you probably won’t use the extra amenities that often. Do your research, of course, because there are some places with a high cost of living where rent will definitely cost more than the dorms. That said, you’re most likely paying extra for things like cleaning and maintenance when you could easily do that yourself (and not have to share a bathroom with twenty strangers either). Move out, feel like an adult, and thank me later.

6. Take care of the things you have

Even if you’re buying cheaper things instead of investment pieces, if you take care of them they should last a long time and save you money on replacements. All of my furniture is hand-me-downs from IKEA, so when I moved into my current apartment I was extra careful to cover the edges of things made out of cheap particle board and make sure that nothing scratched the paint on my bed frame. Don’t treat anything like it’s disposable--being careless with your things can add up.

7. Thrift stores, dollar stores, and discount grocery stores!

I fucking live for the deals I can find at inexpensive stores like these. Chances are, you have these options near you, but you may not have considered shopping there because your family never did. Keep in mind that just because your parents might be able to afford shopping at Wegman’s or Whole Foods as grown-ass adults, that doesn’t mean your college budget can handle it. Open your mind. Thrift stores are great for clothes (just check for holes, sweat stains, and weird smells and wash before you wear), but they can also have furniture (don’t get anything with fabric, though--stick to all-wooden or metal pieces), kitchen stuff (I got a set of beautiful wine glasses for six dollars one time), or storage containers. Dollar stores are the best place to find cleaning or kitchen supplies, as well as things like Q-tips and cotton balls, paper towels, or little containers to organize with. I would steer clear of the makeup and the food, however. Buy your food at discount grocery stores (like Aldi’s, PriceRite, etc.). While they may not look like the grocery stores you’re used to (at Aldi’s, for instance, they keep the projects in the cardboard cartons they come in to make stocking faster and cheaper), their products are just as good and wayyyy cheaper--I usually pay around $50 for groceries that feed my boyfriend and me for two weeks. If you don’t have a similar store near you, try buying the generic brand of most foods, and sticking to whatever produce is in season--it’ll be cheaper and taste better.

8. Student discounts (obviously)

This is a pretty basic one. I got Microsoft Office for free and a free six months of Amazon Prime (and then a half-priced subscription) with my student email, but you can get discounts at a lot of places. Check this list to see. 

9. Track what you spend and use it to set a budget that includes savings

The biggest thing that made a difference for me was actually seeing what I spent--it was way more than I thought. I hadn’t realized how quickly buying snacks, meals on campus, alcohol, and impulse buys to treat myself could add up. You can use an app like Mint to do this automatically, but I found that using a customized spreadsheet and inputting everything I spent when I spent it kept me the most accountable. I also tracked what category the purchase was (bills/food/entertainment/clothing/etc) and whether it was something I needed or not (groceries and a new pair of basic black heels for mock trial I needed, two new face masks I did not). Once I’d done this for a couple months, I added up all the categories and made a monthly budget for myself, making sure to budget some money for savings and restricting each category some, but not too much. If I didn’t let myself spend some money on makeup, books, or meals out, I’d go crazy--budgeting a small amount for “extra” stuff will keep you on track to save money, but without feeling overly restricted.

10. Credit card points and cash back

If you still use a debit card for everything, get a credit card. Having some kind of credit score is so important for everything from getting approved for loans to renting your own apartment. Just make sure that you’re paying it off on time, not letting a balance roll over from month to month, and not using more than a third of your credit limit at any time. Not only will you build credit, you can also earn cash back or airline points on purchases you’d be making anyway.

11. Take advantage of your school’s perks

I was paying four dollars a day to take the metro to and from campus, which doesn’t sound like much, but it adds up over time (I have classes three days a week this semester, so that’s almost fifty dollars a month at minimum). Recently, I realized that my school has a shuttle that comes once an hour close to my apartment--all I have to do is leave ten minutes earlier every day, and I save fifty dollars a month just by using what my school offers. The same principle applies to things like your school’s gym, free food at events, free coffee or tea on campus, services at your career services office, or even the student health center. It’s included in your (probably way too high) tuition anyway, so you might as well use it and not waste the money!

12. Find dupes

I was obsessed with the trio of serums Glossier released a few months back, but the set cost $65, so I held back. I’m so glad I did, because I found this skincare brand called The Ordinary, which sold serums with basically the same chemical composition for less than $10 each (some for around $5-6). They also come in larger bottles, and I was fucking sold. I’m a sucker for Glossier’s aesthetic, but I’m also broke as hell. If you’re interested in the specific dupes, here are ones similar to Super Bounce, Super Glow, and Super Pure. (ELF’s eyebrow treat and tame is also basically the same as Boy Brow--you’re welcome). So many products in the beauty/skincare realm are marked up simply because of their brand name, and it’s worth looking around for similar things at lower price points--especially when it comes to skincare, if you know the active ingredients in a product it’s easy to find something similar without the gimmicks.

13. Figure out whether you find it harder to spend with cash or card

...and then start carrying that one with you. Most people find it easier to spend on a card than to hand over cash, because you’re limited to the amount you have and you can physically see it leaving your hand. I find it easier to spend cash because I check my bank balance often and I only see card purchases reflected there--for me, it’s easier to hand over cash and forget about a purchase. Figure out which is harder for you to spend on and use that method as often as you can. Leave the other one at home. If you need more limitations, either only bring a certain amount of cash with you or transfer most of your money into savings and keep a low balance in your checking account--you can’t spend more than you make available to yourself.

14. Be prepared to do weird and/or creative things

Ultimately, how you save money depends on what you spend on. I don’t have laundry in my building, and it would cost me six dollars per load to do it across the street (the only laundry machines that are close enough to my building). So, I bought a little $50 hand-crank washing machine and a clothes rack, and I wash my clothes by hand in my bathroom and air-dry them. I also grow things like lettuce and basil in my kitchen windowsill. Be creative, and don’t spend money on things unless you have to.

[thegrbteam]

7 Things I Wish I’d Known About Studying Abroad (List)

Original article here: https://goo.gl/ha5kvu

Planning on studying abroad as part of your degree? Well, we've got you covered, because our bloggers have been there, done that. University of Manchester student, Elena Cotton, goes through 7 things she wishes she knew about studying abroad before she embarked on her own journey...

Studying abroad will undoubtedly be the best decision you make throughout your time at university. Having just returned from a semester in the US, I can say this wholeheartedly. However, it is important to be aware of exactly what you're getting yourself in for. So, here is a list of 7 things I wish I'd known (and actually bothered to pursue) before I jetted off for the experience of a lifetime.

1. Budget

Your university will likely give you an estimate of how much money to save for your time away. Whilst useful, it's always best to plan to take as much money as you can. Who knows? You might wish to travel more, join societies, buy souvenirs. Obviously, none of this is essential and if you're really strapped for cash then don't let it panic you. However, it's always useful to carry a little extra just to ensure you can make the absolute most of your time abroad. If (like me) you can't go running to the bank of Mum and Dad, getting a summer job is a really great way to save for your next adventure. Working at summer camps is particularly good, as although they include long hours and hard work, they pay well and often provide you with free bed and board - a bonus if you're looking to move somewhere new or cannot face the boredom of reuniting with your hometown. If kids aren't for you, bars and retailers are always on the hunt for fresh employees at this time of year.

2. Research local laws

These will vary from place to place and are usually less of an issue if you're studying in an EU country. However, if you are venturing to locations like the US, Canada, Australia or Asia then getting to know local laws is key. This is particularly true in the US as state laws often vary from federal rulings. A quick google search of "most important laws to know as a tourist in…" takes about five minutes and could save you a whole lot of hassle whilst you are away.

3. Stay healthy

In the UK, we are blessed with free healthcare under the NHS. Unfortunately, this is not the case in a lot of countries outside of Europe - particularly North America and Canada. Not only should you budget for health insurance (costing around $350 for one semester) you should note that even with this, not all treatment is covered. Don't let this worry you too much though - it's not uncommon for hospitals in the US to charge you hefty sums unnecessarily. Sometimes you are able to negotiate fees down to a reasonable amount, or even have them discounted completely.

4. Different countries have different environments - so be prepared for surprises

As I discovered whilst getting stranded in a sand storm in the Nevada deserts - weather abroad is far less mild than our ever-overcast UK. We have been conditioned to expect (at worst) some heavy thunder and flooded basements. However, the rest of the world can bring some surprises in this department. This could be anything from worst-case-scenario hurricanes to something simply unexpected - like cloudiness in California throughout May and June (and there was me thinking we'd be soaking up rays in the Golden Coast...). Again, educating yourself on the different conditions you can expect could take under half an hour but will help you choose what to pack and where you go should you decide to embark on post-placement travel.

5. Leave your suitcase half empty!

You are probably going to be away for at least six months, so undoubtedly you will need to take a fair number of things with you. Yet, I would strongly suggest that despite your best instincts you leave that pile of nostalgia t-shirts you got in Freshers week at home and really only pack the bare minimum. You might think that your time on your placement will allow you to enter a new era free of materialism and the need to buy things. It won't. You will want to join your friends in buying staple university merchandise - jumpers, t-shirts, flags… and you're going to need to find room for it. I made the mistake of over-packing by so much that I had to send packages home - and at $65 per parcel, it did not come cheap.

6. You don't have to enjoy every single moment, 100% of the time

It takes a lot of hard work to be able to go on exchange - in university, part-time jobs and travel arrangements. So, when you get there you will be overjoyed that you made it and want to start living the high life ASAP. Yes, the first few weeks are a tornado of parties and excitement, but after you get into the swing of things and the workload hits it's inevitable that you'll start to feel homesick. This is normal! Studying abroad might seem like this exotic prospect (and a lot of the time it is), but it is also just you living your life somewhere else. It is impossible to feel the happiest you've ever been all the time. In fact, there will be moments when you wish you could just jump on a plane and snuggle with your dog. Fear not, for this too shall pass. Studying abroad will be filled with amazing highs, but also, at times, intense lows. Try not to beat yourself up when these lows hit as, despite what your friends on exchange in Singapore, Toronto and Berlin's Instagrams' tell you, they are feeling exactly the same.

7. It won't last forever

A semester, or indeed a year, will seem like forever before you leave. In fact, for the first half of your time away it will seem like you'll never go home. However, this will change. Despite your best efforts to deny reality, there will come a time when you realise that you only have 6 weeks left and you still haven't explored half of what your host university has to offer. Going on exchange is one of - if not the - most exciting experiences of your university career, so make the most of it! Meet as many people as possible, go out and join new clubs, experience new things, make friends from all over the world! It will fly by in the blink of an eye, so be sure to do everything to make this a trip to remember.

About the Author: Elena Cotton is an undergraduate of Politics and Modern History at the University of Manchester. She has held the roles of News Editor and Head of Publicity at her student paper and radio station respectively. She also writes for online publications Babe, Society 19UK and The Tab, and she is looking to pursue a career in journalism after she graduates.

[wetooarestarstuff]

6/10/20

I wish I could be one of those people who sleep for six or seven hours a day - you know, they would wake up at five or six, use half of the morning to get their most important task of the day done, the rest of the morning to eat breakfast, stand in their balcony feeling the sunlight, water some plants, and listen to the birds chirp. Then they would make lunch and spend the afternoon doing personal maintenance stuff like exercising or browsing the Internet, listening to music to relax their mind. Then when night falls, they would again exercise their brain cells and do some creative work, alone in their quiet room with the sound of crickets and the ticking of the clock on the wall. They would go to sleep at ten thirty or eleven, and then wake up again at five or six the next morning, repeating the cycle, doing the same things everyday nonstop. That would be like six to seven hours of sleep, right? Seems perfectly fine and healthy and doable, right? That would be my ideal life - still an adequate amount of sleep with lots of time in the day to get a variety of things done. When I write it out like that, it does seem there’s a lot of time in the day, right? Almost a surplus in fact. But I don’t know why when it comes to me, my sense of time is like running after a bus that just left the station. For starters, I don’t save any time on sleep. Ten hours a night is not excessive for me. I’m surprised at same-age friends who are still able to stay up till 2, 3 AM. In the years when a person is supposed to be the most vibrant and vivacious, I had already found it necessary to go to bed at a little past 10. Even something tangential like cooking takes me just under an hour for each meal, although all I’m doing is boiling carrots and broccoli. Actual, brain-exercising work accounts for a couple of hours, and the rest of the time is just maintaining basic functioning. Strangely, even going to the restroom consumes energy and isn’t something I can discount as negligible in the day’s attention. So, well, my brain thinks about everything, and empty space isn’t just empty space. Every moment is filled with thinking, metabolism, and consumption, even though they are invisible.

They say time is something you create. I also think that unlike anything within the physical dimensions, time is a magical thing that you could conjure up, almost infinitely, if only you know what to do. Because time is like the length of a dream. And how long is a dream? Does anyone know? It is as long or short as we feel, right? Time is there, shifting in and out of our space, for us to grab. But if you just grasp with your hand blindly, you will just catch air. Certain conditions have to be met. So time is not free even though it is. I’m still trying to figure out what those conditions are.

[dailrpwmf-blog]

Why is Wales so anti-Christian? An insurance company is pulling this Pastor’s policy just because she put Jesus stickers on her car?

Why is Wales so anti-Christian? An insurance company is pulling this Pastor s policy just because she put Jesus stickers on her car?

http://www.bbc.com/news/uk-wales-south-w...

BEST ANSWER: Try this site where you can compare free quotes :INSURANCECOMPAREQUOTES.US

SOURCES:

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[chrisburns733-blog]

What are the timeshare owning issues?

Timeshares are vacation plans that have been around in the U.S. since 1969. Today, it’s a $9.2 billion industry, according to the American Resort Development Association (ARDA). That’s actually quite sizable when compared to the nearly $8 billion music industry or Major League Baseball’s $9 billion in annual revenue. In 2016, there were 1,558 timeshare resorts just in the U.S., with an average of 132 units per resort.

A timeshare gives you partial ownership in a vacation property. You can even think of it as owning shares of stock in the vacation rental. You pay an upfront price to purchase your unit and then an annual maintenance fee. This gives you access to the property for a certain period of time, which is usually the same time slot each year. When you are not using the timeshare, others with similar interest are.

The average sales price for a one-week timeshare today is approximately $20,940, with an average annual maintenance fee of $880, according to the ARDA. Most timeshare agreements are indefinite contracts, meaning that you’re obligated to pay the maintenance fee indefinitely, which is a big financial commitment.

What Is Accelerated Use Of Timeshare?  

If you want to use your unit on another week, you must “bank” your week and exchange it for another time or location. In the sales pitch (I had the misfortune of attending one), the resort mentioned it’s no longer doing week-based timeshares. It’s now a points-based system. You get X number of points per year when you buy a unit and can then use it any way you choose.

The points could be used for many other things: to purchase airfare, go to another location or upgrade to a bigger unit. Heck, like airline miles and credit card points, you can use your points in stores like Best Buy and Bed Bath & Beyond. Great — I can buy that toilet seat cover instead of going on vacation. I’m sure that, just as with credit card points, you are getting a fair exchange of points into dollars. As if you can’t tell, I’m being sarcastic.

I didn’t run the numbers, but I’m sure the conversion rates are awful. So in the end, they’re making even a single week in a timeshare much more abstract to own than a hard asset. The high-pressure sales guy, please remind me again, what’s the purpose of owning a timeshare?

How Do I Appraise My Timeshare?

The Missing Investment Component

It’s been said in poker that if you can’t spot the patsy, it’s you. This applies to purchase a timeshare. The ones benefiting from the transaction are the salesperson and the owners of the resort. You, unfortunately, are stuck with a small slice of a unit that has little or no resale value.

Here are the issues with owning a timeshare:

• There is a huge resale market. Often you can pick up units for less than half of what was originally paid. • Like a car, a timeshare depreciates once you “drive it off the lot” (take ownership). • It’s rare that a timeshare increases in value. In fact, expect it to lose value, as the total cost of your ownership was marked up to cover sales presentations, incentives and giveaways. • Timeshares are usually sold to you when you’re on vacation and your defenses are down. • Most have high yearly maintenance fees. In my parents’ case, their fees are increasing every year, faster than the rate of inflation. For the amount that you pay in maintenance fees alone (forget about the initial “investment”), you could stay at a decent-quality hotel for a week.

Timeshares Don’t Generate Income

In theory, when you buy a timeshare, you have a fractional interest in the property the rental is situated on. But it’s important to understand that this does not give you all the advantages that owning real estate normally has.

For starters, you have an interest in the same unit as other people who participate in the timeshare. Your interest, therefore, is not standalone ownership. You are not free to do with the unit as you please. For example, there are strict limits on the time during which you have physical occupancy of the unit. Unlike a true vacation home, you’re not able to rent it out during the rest of the year when you’re not occupying it for personal use.

Timeshare 101: How To Sell Bluegreen Property  

We can think of a timeshare as having a partial ownership interest in a single vacation property or unit. It’s nothing like owning a vacation property outright, with the benefits that come as a result of having it. According to the ARDA, timeshare owners are tending to be younger and more ethnically diverse than when the industry started and targeted an elderly crowd. The median age of recent buyers is 39, and 34% of owners are either Asian-American or African-American. Nearly two-thirds have college degrees. Their median income is $81,311.

However, it seems to me that the timeshare market targets the financially inexperienced. Sadly, timeshares tend to become vacation properties for people who can’t afford vacation properties. The sales materials are made to appear more about the bling and “living the good life” than about the investment return. That’s because there is no return.

If you are spending money for the future, it should be considered an investment. If it’s not generating income, it’s an expense — plain and simple. You may get enjoyment out of it, but it’s still not an investment.

Timeshares Aren’t Very Liquid

It’s usually only after you’ve purchased a timeshare that you realize there are more people looking to sell them than buy them. The likelihood of recovering your initial investment is very low — to say nothing of recovering many years’ worth of maintenance fees. There are websites that timeshare owners can use to try to sell their property, such as RedWeek, but they charge a listing fee and an annual membership fee to use the site — and there’s no guarantee the timeshare will sell.

And there’s a substantial amount of fraud in the reselling industry. Scammers prey on timeshare owners by promising to sell the property for you — for an upfront fee — and once you pay the fee, you never hear from them again.

If you’re able to sell the timeshare (and that is never certain), you probably will get only a fraction of what you paid for it. There are two fundamental problems when it comes to selling them: 1. More are being built/offered all the time, flooding the market, and 2. Existing owners are selling them to get out of debt or once they realize that it isn’t the deal they thought it was when they bought it.

If you still think buying a timeshare is a good idea, and you want to avoid paying more than you will ever sell it for, buy one on the secondary market. There are many websites where you can buy a used timeshare.

Timeshare companies know that you can likely find cheaper options from existing buyers on websites such as Timeshare Users Group and RedWeek. So the companies usually offer closing incentives and other perks. But those perks don’t usually recoup the money you would save from buying from an existing owner.

The Better Alternative to a Timeshare

In my opinion, you’re better off staying at a local hotel than buying into a timeshare. Take my parents’ timeshare as an example. They paid $10,000 for the initial purchase, and if you add the $750-per-year maintenance fee paid over a 10-year timeframe, there is a total investment of $17,500 in that timeshare.

How To Get Out Of A Westgate Timeshare Mortgage?  

Over the last 10 years, their timeshare provided a stay of one week each year — seven days and six nights — for a total of 60 nights, which averages out to $291 per night to vacation in the same unit each year. If you were to rent a decent quality hotel room at about $175 per night, the total price paid for the timeshare would buy you 100 nights of hotel stays. Not only does it cost less per night to stay in a hotel, but you would also be able to add variety to your vacation by staying at hotels located in different destinations.

And you would also be able to take advantage of frequent user rewards programs and other discount pricing being offered by the hotels. Chances are you’d get a whole lot more than 100 nights of hotel stays.

Best of all, you’d have sunk no capital in the timeshare, and the money to pay for the timeshare could be invested to earn a return on your investment. At a conservative 5% return compounded annually (starting with $10,000 and adding $750 per year), you’d be sitting on more than $26,000 right now. That’s a much better deal from where I sit.

[anneedmonds]

Hotel Review: Harry Potter’s (Luxury) Cupboard

For the past few months I’ve been quite preoccupied with finding luxury London hotel rooms at less-than-luxury prices; not necessarily luxury rooms that have been heavily discounted, but rooms that are simply well-priced to begin with. Perhaps a room in a hotel without all of the amenities of a full-on luxury destination, or a tiny room in a posh hotel or a normal-sized room that is stylish but doesn’t a bathroom decorated in gold leaf.

I have, in short, been trying to find the unknown gems. The tucked-away hotel that has no bar but exquisite, quiet rooms; the quirky place with copper baths and creaky floors but no room service. I’ve come to realise that what I want from a hotel room is quiet, cleanliness, good wifi and good ventilation (God, I’m eighty), but at the same time, if I’m spending upwards of £200 (which isn’t at all difficult in London, obviously) then I want something slightly special. Stylish. “Hip”. (Kill me.) Otherwise I’ll book into a well-established chain, somewhere boring, and be happy that I can – if I wish – have a buffet breakfast in the morning alongside eight hundred other people.

So I wanted to document my budget-luxury hotel experiences and I have quite a few posts to catch up on. I’m starting with Number Sixteen in South Kensington not just because it’s chronologically the first I stayed in (I think?) but because it presents me with a big hotel review dilemma: does my desire to stay somewhere luxurious and cool overtake my need to sleep in a room that’s bigger than an understairs cupboard?

Video room tour (I forgot to take photos) at the bottom of the post…

I booked Number Sixteen – and the “single” room specifically – because a friend of mine had stayed there and Instagrammed the small, but perfectly-formed, guest room*. What a great idea, I thought; cheap room in an ultra-hip, highly-regarded hotel. A tiny slice of luxury for a fraction of the price! Now this friend did make it clear that the room was tiny, but I had sort of mentally pushed that aside and so when I checked in and was shown to the room I was almost delirious with amusement.

The lovely man who showed me in couldn’t actually “show me in” because there wasn’t enough space for two people to stand inside – we’d have been like lovers on the world’s tiniest dancefloor – so he shuffled in with my suitcase and then shuffled back out again. And when I say that he shuffled back out again, I mean that he actually came out backwards, as though he’d put himself in reverse. I don’t think he’d been able to turn around as well as prop the suitcase up against the bed so he’d simply backed out, like the driver of an articulated lorry reversing out from a one way street. Beep beep beep beep.

Once inside the room myself I decided to measure the room with my own body parts (something I like to do when I have no immediate work deadlines and have forgotten my ruler)  and I found that it was a meagre six feet four by six feet four, minus the wardrobe/mini bar/safe and plus the minute corridor. Actually the corridor and wardrobe would probably cancel one another out, so it’s fair to say that the room was around 37/38 square feet. To give it the benefit of the doubt, because quite honestly that sounds ridiculous when I read it back, let’s say 7×7, so forty-nine square feet. Fifty, to be kind. (The hotel website says 86 sqft, which I suppose is feasible considering I forgot to add the bathroom in. But I don’t really count the bathroom as space, unless it’s palatial. I’m not going to be lounging about in there, drinking my mini bar Coke and reading magazines.)

To put this in perspective, Shoreditch House offers “tiny” rooms and they are 165 sq ft. The “sleep pod hotels in Tokyo are around 30 sq ft. The “single bedroom” in Number Sixteen is properly, properly small. The thing is, I don’t have any problem with tiny rooms. I don’t need much space if I’m alone – good job, as I could only just about open my suitcase fully and then I had to step over it to get to the bathroom. A lot of the time I just want to feel as though I’m somewhere lovely, with lovely things to do that are within easy reach. If I’m away for the night and want a gorgeous dinner, a sophisticated drink and then a bed somewhere quiet then I don’t need enough space to hold a small conference in.

But this was TINY. I felt immediately a bit fearful as I don’t like small spaces at all – claustrophobes beware – and I think I would be tempted to pay a bit more for a smidgen more space. But the room size was the ONLY reason I could stay in a Firmdale hotel for less than – what? – four hundred, five hundred pounds? So here’s the question: do you want a hip hotel with gorgeous communal spaces, a library, an honesty bar, great food, great service and a hushed sort of sophistication that you only get in these places, or do you want a bigger room in a hotel that has a lobby with a dusty fake flower arrangement and a lift that smells of Glade?

Both the same price (and absolutely do not want to sound snobbish here, am literally just trying to work out which is the better deal!) but with one room, in the Dusty Glade hotel, coming in at twice the size. (The dusty Glade hotel exists, there’s a review coming up.) To be fair, the room that was twice the size wasn’t huge and the window “looked out” onto a brick wall. Same location, more or less (the hotels are only one street away from each other, which was actually part of my plan as I wanted to compare them – I’m always doing things with some sort of madcap post in mind!) but a world away from one another in terms of style and luxuriousness.

I worked out as I lay in my (pretty comfy) Firmdale single bed at Number Sixteen that the entire room was almost precisely the dimensions of my mattress at home. My superking bed is 6’4″ by 6′ – amazing to think that I could replace my bed at home with an entire miniature room with a much smaller bed, tiny desk, miniscule wardrobe, mini bar and a patch of floor big enough to do a headstand in. A whole bedroom, in my bed!

Once I was over the initial sense of claustrophobia and I had opened my window slightly to let some air in, lest I use up all of the oxygen in the room at once, I pondered whether space was actually important to me. I mean, how much space do you actually NEED for one night? It turns out, more than the space of a cupboard. I tried to love it, the bjoux nature of the place, but I couldn’t shake the feeling that it was rather farcical. I mean there’s small and there’s small. At what point does it just become a bit of a joke? It’s still two hundred and fifty quid – if you want the luxury experience, the hushed, exclusive ambience of the home-away-from-home townhouse, then is it better to just save up and treat yourself when budget allows?

Goodness, I’m very conflicted about this one. Hotel Number Sixteen: top-notch. It was decorated for Christmas but in the most tasteful way you can imagine. Food: delightful. I’d have ordered room service but – quite honestly – I don’t know where I would have placed the tray. I had a sleep spray on my pillow, the decor in the room was obviously very well thought-out, the corridors were hushed and peaceful – I couldn’t fault anything, really.

Except for being squeezed into what amounts to a train sleeper carriage. Part of me thinks it’s insane; why sleep in a cupboard when you could have a bigger room in a not-so-hip hotel? The other half wants me to put up with the diminutive dimensions so that I can “pop downstairs” to a tasty dinner. So what do I actually have a problem with here, the audacity of someone charging me to sleep in Harry Potter’s cupboard or the fact that I hate myself for putting style over comfort and practicality?

In conclusion then, to try and put some sort of sense into this post: would I book a single room at Number Sixteen again? No, I don’t think I would. I was physically quite uncomfortable and I’m not even a particularly large or cumbersome person. I felt hemmed in and slightly panicked and had to do some deep breathing to get me over the initial sense of being trapped in a box.  I would stay in a larger room at the hotel in a flash, but if I was in my £250-budget-testing mode then I would, I think, opt for a bit more space and look elsewhere. Saying that, if other options were grim – as often they are, especially at short notice – then I could, and would, stay there again and spend most of the evening having a meal downstairs with two glasses of red wine, coming back up to bed late and satisfied and full and not really noticing the lack of space. It wouldn’t exactly be a hardship.

Which makes this my most inconclusive, indecisive review ever. Sorry about that. Take my wavering opinions and do with them what you will. If you’d like to read more travel reviews then you can browse all of the posts here. The Number Sixteen website is here – single rooms start from around £200, although I’m looking at a day next week and the single room is £180! For perspective, the Hilton nearby is £160 for a small room…

UPDATE: I’ve been doing a bit of Googling and not all of the single rooms look to be the same layout. One, a fuchsia number, has more of a linear shape and perhaps that one feels more spacious as you can at least walk the length of the cell. I mean room. Haha. I’ve also been looking at guest pictures of the larger rooms and they are bright, spacious (ish) and incredibly stylish so I’m definitely going back to test out a a proper double. Unless I’m now barred, which is possible. Although I can always check in under my new pseudonym,  Harry Potter. *Also, my friend had what looks like a far nicer room than the one I landed – hers even had a bloody balcony! Which would have made all the difference. Worth requesting that one. I think it would have been a whole other review…

Tell me: hotel experiences. Smallest rooms, largest rooms, weirdest things you’ve found in the cupboard, and whilst you’re thinking up these anecdotes you can watch my little room tour video. I forgot to take photos, but surely this is better?

The post Hotel Review: Harry Potter’s (Luxury) Cupboard appeared first on A Model Recommends.

Hotel Review: Harry Potter’s (Luxury) Cupboard was first posted on March 11, 2019 at 7:39 pm. ©2018 "A Model Recommends". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at contact@amodelrecommends.com Hotel Review: Harry Potter’s (Luxury) Cupboard published first on https://medium.com/@SkinAlley

[atypical60]

Yes I did!  And I’m gonna tell you all about that stuff I got!!

Yes I did.  But I paid mostly with cash!

I got another eyeshadow duo.  This one I purposely bought because I decided that I would make myself a “makeup bag” for work. (Which, by the way as I write this, I have not done) Now—I normally don’t do touch ups during the day but because I’m at the computer all day my eye makeup can sometimes get a bit wonky because I’ll rub my eyes without thinking.

I’m really hung up on the MAC eyeshadow refills. I need to stop this obsession!

It could be a good idea to perhaps do a bit of an eye touch up if I run errands after work. Know what I mean?

Anyway, I ordered Patina, a slightly shimmery neutral and, naturally, Quarry—my go-to shadow shade.

Patina on the right. It goes on so lightly that it looks like your eyes are shaded. And Quarry on the left is more of a taupe than the lavander hue the photo took on!

But I was really excited about the lip pencil that I ordered.  Half Red by Mac.  One of my favorite YouTube Beauty Gurus, Aly Art, loves this and her lips always look so beautiful so I decided to try it.

Half Red in the box….

Let me tell you something. I’m thrilled that I did.  I feel as though the purchase was an epiphany.  I don’t like a lipstick that feels “heavy” and some matte lipsticks have a texture that makes them feel dry and heavy on the mouth.  And I want staying power because during the day, I do not want to be constantly applying lip gloss or lipstick.  And if you use a lipstick/gloss that’s a bit on the more “colorful” side and not a neutral, as the color wears off it looks a bit “off”.

The one concern, though was that a pencil needs to be sharpened.  And my luck with pencil sharpeners isn’t exactly great.  Regardless, I still bit the bullet and bought it.

Half Red is a truly neutral type of red. It just blends into the natural lip so well!

And I couldn’t be any happier.  This goes on the lips so nicely.  I did prep by exfoliating my lips and adding a bit of concealer to tone down the natural pigmentation in my lips.  Then—I went to town!

Me, wearing Half Red to the office this week.  What the heck. I’m changing this to A+ anyway!

Overall, I have to give this an A.  I think as I get more used to wearing this, it will reach A+ status. But I’m relatively new to using a lip pencil as lipstick so we’ll see.

Mascara.  Yes. I did.  I bought another mascara. I couldn’t help it. I’ve been fondly reminiscing about the Bourgeois mascara that Oona and I loved back during her Irish Dance days.  The mascara was two-fold.  A white primer at one end and mascara at the other.  It was great.  Made the lashes long and lush and there was not one con about the product.

False advertising on the package.  My lashes did NOT look like the lashes on the package–but this does a very decent job with making the lashes look lovely!

When I saw this Voluminous Super Star mascara from L’Oréal, I dug deep into my wallet and made the buy.  I’ll say, this isn’t bad. It isn’t bad at all.  It isn’t perfect either.  The primer is good is coats the lashes evenly but, there isn’t a lot of actual product in the tube. That’s annoying to me.  I can imagine that the mascara end of the tube will outlast the primer.  The mascara isn’t bad either.  The wand is a good one because there’s decent separation and the bristles are a great size. Not too thick and not too thin. It reminds me of the old “The Falsies” by Maybelline wand before Maybelline changed the formula and packaging that now basically stink.

Primer on the left, mascara on the right.  The wands are very good ones.  My issue is that L’Oreal is stingy on the primer!

My only complaint about the mascara is that I wish it made the lashes a bit thicker.  It gives a nice length but I like a slightly clumpy look. and there wasn’t a good amount of lash primer!

Just in case you get confused, the primer is number 1 and the mascara number 2!

Overall, this gets a B+ to an A- simply because the primer end of the tube is stingy.

Eyelash Curler.  I had an eyelash curler that came with a little replacement rubber.  I had that little replacement rubber for about two years. And when I needed to replace the rubber that was in my eyelash curler—the replacement disappeared.  God knows where it went—it most likely either ended up where the odd socks from the dryer go or Chippy ate it.  And I never bothered to replace the eyelash curler or buy replacement rubbers.

So, while at Dollar Tree last Sunday, I spotted an eyelash curler and figured all they are worth is a buck anyway.  And I’ll be honest.  Don’t waste the buck on a dollar eyelash curler.  The size is weird—because it doesn’t “grab” the lashes the way the other lash curlers do.  But—for a buck, it’s worth it to keep in my travel case.  If you are at Dollar Tree or any other Dollar store, pass on this. Please.

This eyelash curler isn’t worth the dolla spent. In fact, notice that on my hand is a paper towel. That’s because I accidently stabbed my finger with the scissor that I opened the packaging with and bled for a half hour!  Ok–15 minutes.  Alright already–a good three minutes!

I also picked up a two-part cosmetic case.  This is actually a very good thing for me.  My lip products can go in the smaller case. I’m a lipstick/gloss slob and the glop gets everywhere.  By putting them in a separate case helps to keep things clean!

For a buck, I should have picked up a couple more of these to throw into various tote bags. I’m not big on expensive makeup/cosmetic bags because within six months (ok–make that a month for me) they get filthy inside.  These work for me. And I’ve yet to fill them with cosmetics..

I did pick up and placed in the larger bag this little mirror/brush combo.  I can use the brush for my wigs because the bristles are plastic and synthetic-wig friendly!

Who can pass up a pair of dollar flip flops?  Not I!!!  One pair can be kept in the car and one at the office for those days when the heels start to bother my dawgs!  A very handy item of footwear, I must say!

The flip flops with the anchors are right up my alley.  The white ones are July Fourth specials!

Now. Since we were at the beach on Saturday, and I got a bit of sun on my face, I decided to rummage through my old makeup case to see if there was any face tanning product that I could use as foundation.  I came across a sample of Tarte’s Brazilliance.  I don’t even know if it’s a face product because the printing on the sample tube was too small but I put it on my face anyway.

Well..the tube states this is a self-tanner but it washed right off at the end of the day!

Here’s how it  rolled!

The Tarte Brazilliance is a gel.  And it’s dark. Real dark. But when you apply it to your face, it blends.  And it blends so well that it ends up giving just a hint of color. This is a great product to use after you’ve gotten a decent color on your face from the sun or if you tan easily.  It isn’t hydrating nor is it dry-it just is what it is.  If I had a great tan, I would purchase this as an extra.  But due to the fact that I just turn red, I need something that’ll make me look slightly tanner… For those who tan easily and want a bit extra, I give this an A. For those like me who get red. It’s a B because despite the dark color of the gel, it could go on a bit darker.

This is how Brazilliance looks straight outta the tube. It’s dark!

But here’s how it looked on my face. Not bad but could be darker!

Albolene.  OK. Last night we went out to celebrate Bonaparte’s birthday (I’ll be writing a post later this week), when we arrived home and I went to remove my makeup, I realized that there was nothing left in the jar of Albolene that I have.  It didn’t surprise me either; in fact, I was pissed at myself for not searching enough for it.  I went to Walmart during the week but there was none to be had.  I did something so awful.  I ended up going to bed with my makeup on.

This was the empty jar last night.  I use a ton of this due to the amount of mascara that I plop on my lashes. For me to go to bed without removing my makeup is atrocious–but I did!

It all came out in the shower this morning!  So, earlier this afternoon I drove to Rite-Aid because I know the store sells it.  After searching through the shelves for five long minutes, I spotted it on the bottom shelf.  It pained me to shell out $13 bucks for it—I could have ordered it cheaper from Amazon but I needed it NOW!   After I write this post I’m heading to my Amazon store and ordering a backup.  This is, hands down, the best makeup remover ever and I’ve been using it for years and years and years.  It’s an A+++++ product!!

It just about killed me to spend over $13 (with tax) on this but I needed it so badly.  This is lard for the face. It moisturizes and cleanses and is THE BEST MAKEUP REMOVER OF ALL TIME!!!!!!!!  I’m heading over to Amazon to price check after I write this post! Meet me at my store!

Last of all, I ordered another duplicate Goyard-inspired tote from Amazon.  Amazon sent me a rewards card and I used it to order the tote.  And a sincere thank you to all who have ordered from my Amazon store because I would not have received the card if it were not for you.  Seriously.  I’m filled with gratitude because, as you know, Like to Know It refused me four times but Amazon has taken me on and I’m thrilled.  I’ve started to monetize which inspires me—so again.  Thank you!!!

My “replica” tote.  My sister paid over a hundred bucks for this on the streets of NYC and my niece has the real thing.  Not much of a difference at all!!

Anyway, this tote is an all-around great item.  My step daughter ordered one and loves it. I think she uses it as a beach tote.  It’s totes ma goats!!

The humidity has crept up and I don’t care because I can just plop a wig on my head!  I’m telling you, the beauty of wigs is that you don’t get a bad hair day in the summer! I received my third Violet this past week in the mail. I paid a deep discount on Wigoutlet.com.  I freaking love this wig by Estetica Designs!

Violet’s looking mighty fine, she is!!!  

More items have been added to my idea list:  Let’s Make Up.  Have a looksee and I filmed a Sunday Chat video on my YouTube channel this morning.

Please enjoy my little chat and let me know what you think of the cosmetics packaging that I rant about!

I Got Some New “Stuff” Yes I did!  And I'm gonna tell you all about that stuff I got!! Yes I did. 

[iowamusicshowcase]

Written by Chad Taylor. Originally appeared on the Culture Myth website on March 22, 2016.

Rae Davis booked Sara Routh's tour. All three legs of it, in fact. For this west coast swing, Davis focused on finding gigs close to friends houses, which allowed Routh and Davis to save a ton of money on lodging. We've talked about it before, but one can not put too fine a line on it: indie artists know they aren't going to make money on their self-funded tours, so every expenditure becomes vital to track. Anywhere you can find to cut costs, and potentially extend your tour one more day, you do it. This is what most galled indie artists who read about Pomplamoose's horrendous debacle of a tour back in 2014. For the uninitiated: Pomplamoose is a disgustingly twee indie duo who attained a level of success through savvy use of YouTube, an overly-saccharine Toyota commercial, and the fact that hipsters won't die. In November of 2014, the male half of the equation, Jack Conte, wrote a blog entry, detailing the band's recently completed, 28 day tour. A tour from which the band made $137,000 in ticket and merch sales...and finished over $11,000 in the red. On the surface, it's another sad reminder of how tough it is to be an indie band in today's market. But then you get to the bit of the post that details the band's tour expenses and, if you're an indie musician, you start to die inside. $17,589 in lodging expenses. Four rooms a night, in what Conte describes in a completely unironic and un-self-aware manner as "Best Western level hotels, nothing fancy." My bar napkin breaks that down to $125.64, per room, per night, for an eight-person road crew. First off, anyone with common sense immediately sees that getting rooms with two beds and doubling up from two people per room to four, you automatically cut your lodging expenses in half. Without touching a single other thing on the tour, you've nearly wiped out the entire loss amount. There are other things that make the average indie artist cringe -- the $17K figure is listed under "hotels and food," but there's also an additional entry for per diems for the crew to eat on (which came to another $4200); they were paying their crew roughly $1,500 a week per person in salaries; they somehow dropped $11K on parking and gas -- but for most people who have ever booked or embarked on a self-funded tour, it's that lodging expense that smacks them in the face. Make a friend. Sleep on a couple floors. Camp a couple nights. Think your band is too big to not have hotels of some kind? Look at that bottom line again. If Pomplamoose had constructed their 2014 tour with even half the common sense your average local musician has, they would have finished several thousand dollars in the black, even after paying everyone an effective rate of $78,000 a year. Routh and Davis are not spending $125 a night on Best Western-level hotels. They are staying with friends when they can and, when they can't, they are driving through the night until they get to the next city. Tonight is the one exception to the formula, and not because they splurged on a hotel. For the only night on the tour, Davis and Routh are staying in a city where they do not have a show booked. It wasn't for lack of trying, Davis spent weeks looking for a venue in Phoenix that could accommodate them on this date, and came up snake eyes. But the timing of the off day could not be better. After doubling their tour mileage in one day, and performing an average of once every 19 hours in the first four days, a chance to eat a home cooked meal, do some laundry and rest voices is about as heavenly a proposition as you could ask for. Before getting to Phoenix, however, there was a detour that needed to be made.

Turns out that Davis, a grown-ass woman with kids and a dog and responsibilities, had never seen the Grand Canyon. Seeing as it was kinda, sorta, more or less along the way from Santa Fe, it would have been ridiculous not to stop. If you've been to the Grand Canyon, you understand why. If you haven't, there's just no way to adequately describe it to you. So on this trip, it was decided that Davis would go to the Canyon. It is a twisting, beautiful drive from New Mexico to the Canyon's southern rim. The angle the highway takes obscures virtually all of the Canyon from view until you get there, and even the parking lot doesn't afford you a clear look. Instead, you're left almost completely ignorant of the view you're in for, until you're practically right on top of it. And when that finally happens...the first time someone sees the Grand Canyon, it's stupefying. It's so vast and so deep and so beautiful, you can feel your brain collapsing in on itself like a discount flan and you grasp madly for any words you can find that help get the idea across. For Davis, that amounted to: "holy shit, it's amazing, I should have peed before I got here."

And so, Routh and Davis walked along the southern lip of the Grand Canyon. They clambered out onto a jutting spur of rocks, took in the immensity around them; Davis lay down on the outcropping's edge, feet just dangling off into space, face open to the sun, and sighed. This wild moment of Lil Wayne-esque largess cost them $30 in parking, and another $20 in gift shop trinkets. They might come home in two weeks, tally up all the money, and find out that they finished the tour minus $50. They'll be ok with that. Conte still brandishes the term "indie band" like it means something to Pomplamoose. In that blog post, he uses the term in the same paragraph where he calls any band that doesn't get $9000 in tour sponsorships a hobby act. Davis and Routh aren't hobbyists. Neither are the thousands of other acts from hundreds of other cities who are just like them, and who are self-funding shoestring tours all across the country. The crowds may be smaller, the miles a little longer, and the venues not as prestigious, but then again, they aren't losing five figures on this trip, either. After leaving the Canyon, Davis and Routh continued on to the Phoenix area, where they stayed with the parents of a friend back home in Des Moines. They were welcomed in, fed, given a place to shower and wash clothes; given a soft place to sleep. Tomorrow, the road calls out again and the tour continues into California. But today was a day of rest. A day to be thankful. And on a tour that already neither artist will ever forget, it was a day for giving one of them the memory of a lifetime. And nobody even got a per diem. Miles traveled: 1,880

On or near the 10th and 25th of every month, we reprint a post from Chad Taylor's blog, Culture Myth. Chad Taylor was the music reporter for Cityview magazine in Des Moines, and has also written for other publications like DSM Magazine.

The Culture Myth website: http://culturemyth.net/ Rae Davis (Fehring)'s home page: https://www.raedavismusic.com/ Sara Routh's home page: http://www.sararouth.com/ Other IMSC posts featuring Culture Myth: http://iowamusicshowcase.blogspot.com/search/label/Culture%20Myth Other IMSC posts featuring singer/songwriters: http://iowamusicshowcase.blogspot.com/search/label/singer%2Fsongwriter Other IMSC posts about performing: http://iowamusicshowcase.blogspot.com/search/label/performing PREVIOUSLY ON IOWA MUSIC SHOWCASE: IHEARIC VIDEOS - Some Prog Rock and a Guitar/Violin Duo http://iowamusicshowcase.blogspot.com/2018/04/ihearic-videos-some-prog-rock-and.html IOWA MUSIC SHOWCASE PODCAST - Episode 63: Iowa Country and Folk Music http://iowamusicshowcase.blogspot.com/2018/04/iowa-music-showcase-podcast-episode-63.html JAZZMAN JOE VIDEOS - Beaver Creek Jazz Ensemble at the Union Park United Methodist Church in Des Moines on Apr 12, 2018 http://iowamusicshowcase.blogspot.com/2018/04/jazzman-joe-videos-beaver-creek-jazz.html IOWA BLOCK RADIO PODCAST - Episode 2 https://iowamusicshowcase.blogspot.com/2018/04/iowa-block-radio-podcast-episode-2.html IHEARIC PODCAST - Episode 19: Come to Our Concert this Friday (04/15/2018) https://iowamusicshowcasesongs.blogspot.com/2018/04/ihearic-podcast-episode-19-come-to-our.html One week ago... IHEARIC VIDEOS: Two Classical Performances and Dana Telsrow Too! - http://iowamusicshowcase.blogspot.com/2018/04/ihearic-videos-two-classical.html Two weeks ago... YOUR OWN PRIVATE IOWA - Episode 28: T&A - http://iowamusicshowcase.blogspot.com/2018/04/your-own-private-iowa-episode-28-t.html One month ago... YOUR OWN PRIVATE IOWA - Episode 23: Moonrabbit - http://iowamusicshowcase.blogspot.com/2018/03/your-own-private-iowa-episode-23.html One month ago... CULTURE MYTH - Day 3: Oklahoma City http://iowamusicshowcase.blogspot.com/2018/03/culture-myth-day-3-oklahoma-city.html Three months ago... YOUR OWN PRIVATE IOWA - Episode 17: Bryon and Rachel Dudley - http://iowamusicshowcase.blogspot.com/2018/01/your-own-private-iowa-episode-17-bryon.html Six months ago... IOWA MUSIC SHOWCASE PODCAST - Episode 54: Happy Hawkeye Halloween 2017, Part 3 of 4 - The Van Meter Visitor and Other Iowa Dragons - http://iowamusicshowcase.blogspot.com/2017/10/episode-54-happy-hawkeye-halloween-2017.html One year ago... PLAYLISTS: Iowa Science Music - http://iowamusicshowcase.blogspot.com/2017/04/well-besides-being-big-geek-on-music-i.html Two years ago... PLAYLISTS: Artists who Submitted (But I Still Haven't Put on a Podcast Yet!) - http://iowamusicshowcase.blogspot.com/2016/04/playlists-artists-who-submitted-but-i.html Three years ago... IOWA MUSIC SHOWCASE PODCAST - Episode 8: Iowa City Children's Album - http://iowamusicshowcase.blogspot.com/2015/04/episode-8-iowa-city-childrens-album.html OTHER IMSC WEBSITES AND LINKS: Feed: http://feeds.feedburner.com/IowaMusicShowcase Facebook: https://www.facebook.com/pages/Iowa-Music-Showcase/364796883703114 Twitter: https://twitter.com/iamusicshowcase Instagram: https://instagram.com/iowamusicshowcase

[captainalwayslazycollectort-blog]

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Needing full coverage auto insurance and I'm looking for the cheapest route, any suggestions on who to go with?""

How much would car insurance be for a 17 year old guy?

i live in the chicago suburbs and wanted to know how much car insurance would cost if i got a car, either something like a ford probe or eagle talon in the 93-97 year range(definetly a 2 door car though). i don't know either to open it on my own or ad onto my parents. i know that adding on to my parents would be cheaper but they don't exactly want to add another car at the moment but im ready to get my own car, so how much would it cost to open my own policy? i honestly know little to none about car insurance so please help. Also, don't tell me to just wait till my parents are ready please cause thats not the question i just want some prices for the insurance please. thanks!""

Motorcyle insurance laws in Michigan?

I know motorcycle insurance is required in MI, but what is the penalty for being caught without it? I am planning on buying a used bike that I saw for $250 but to get it insured, it would cost me $200 per year. It doesn't make sense.""

""I'm getting my permit soon, insurance?

Okay. I'm turning 15 soon and in Florida that means getting your permit. My dad said that he won't let me get my permit because he doesn't want to pay for my and my older brothers insurance. Since I really need my permit because my dad and stepmom aren't that sober and I want to get a job and a form of transportation between marching band and my house. He doesn't get that. So What I am asking is where could I get really affordable insurance but not skimp on the coverage. I would be paying for it myself. I also need to find a job. Uhg. I have a little over 2 months until I become of age. Any help would be most appreciated. Thanks!

Cheap auto insurance?

im 17 years old driving a 2004 pontiac grand prix. im trying to find cheap auto insurance for sacramento california. is there any deals better than 69 dollars? i have 0 credit score, no job,sleeps in my own parking lot, i only drive it to school which is 3 miles 5 times a day, and clean history. full time student holding a 3.5 to a 3.75 gpa. i also live with my parents(they have gieco and im on it temprararly until i find something cheaper) they both ahve clean records and passed high school. my mom has an associates degree. they both work and crdit scores are well over 700. please respond soon.""

How Much is a Tuberculosis Test without insurance?

I live in Sacramento California and need to get a tb test but i dont have insurance, so i was wondering how much this is going to cost. Any help would be appreciated""

Is this reasonable amount to pay for term life insurance?

Term Life 30 yrs, $150,000 at $36 monthly...I am 26 years old an in reasonable good health --- non smoker, no dieases, hospitalization (aside from pregnancy), and no alcoholism....if this isn ot reasonable please give me a range that I should be looking for....""

Is there a medical discount plan for surgery?

I have a friend who dislocated his shoulder and torn some ligaments and needs surgery. He does not have medical insurance, so I'm looking into a medical discount plan for this procedure. Does anybody know of a good one? Thank You.""

Affordable Health Insurance for a single adult in Minnesota? I need help/advice!!!!?

I just moved to Minnesota and need health insurance but don't even know where to start. I know I dont qualify for Minnesota Care because I make too much. I can't get health insurance through my new job yet because I just started and will qualify for that in 6 months but I need medical help now. Any advice on what I should do?

What's the cheapest car insurance company?

What's the cheapest car insurance company?

How much can i expect to get from my insurance company if they write off my car?

I crashed my 2003 seat ibiza on the motorway on sat. the damage dosnt look too bad ( front bumper & rear bumper off but as i was traveling at speed there prob is more damage underneath). Im still waiting on the insurance company to tell me how much my car is now worth.. people have told me that they wil only offer me the bottom book price that the car was worth on the day of the smash can anyone tell me what the bottom book price might likely be?? i paid 3750 for the car in sept 2007 and the car was in near perfect condition with a minor stain on the front seat

What's the average price of new driver's insurance?

For the longest time I didn't want to drive anywhere. I live in a big city, I can bus or bike where I need to be. But I've been forced into getting a drivers license, and will need to get a car soon. What's the average cost of insuring a typical used car with a 28 year old male new driver?""

What would my insurance be for a kia forte koup 2010?

i'm an 18 years old male about to 19 in a few months,i live in New york and i'm really considering this kia,but i need someone to help me out on what my insurance would cost without having to go through all these insurance quote process,thanks""

150cc Scooter Insurance in California...?

I bought a 150cc scooter for $950 brand new in California. Do I need to get it insured. I am only going to use it for 6 months till I got to school. I live abroad. I am not worried about the scooter getting damaged, I need only 3rd party insurance in case I knock someone and they decide to sue me or whatever... What are your suggestion, and the cost to register one and the cost for insurance. Im 20 years old btw. Thanks alot if you can help me out!! Thanks...""

Is this a good insurance quote ?? from quinn direct!!!?

ive just got a renault clio 1.3 1993 automatic k reg, very clean an just had new cam belt an sumthing else lol an new tyres lol so just passed all the mot, !!!yeah!!! lol so ive been quoted 318.56 no claim bonus im going on as provisinal driver an my partner as a full clean license. do u think that is a good one ? or can it get any cheaper lol""

Car insurance problems?!?! Need help!!?

Basically my hubby took out insurance about 10 months ago with a new insurance company. He had 4 years no claims with his old company so informed the new company of this. The new insurance company have been taking out the payments every month from our bank however we have never had his insurance documents off them. When he contacted them the other day to query this they informed him that because the old insurance company will not supply them with no claims info they can not cover him. However all this time and even today they have taken their monthly payment. Surely they should not be taking payments for something they are saying they can not cover?? They have sent him a 30 day temp cover note for now while we try to sort it but it isnt looking good at the mo. My question is should they have cancelled the agreement before now then and ceased taking money from our account?

Is it wrong to TTC without having medical insurance?

We've been married for more than 3 years now, I'm 27, we just bought a house and we both have decent jobs, we feel we're ready and is a good time in our lives (even though there's never a perfect time). The insurance issue is been stopping me from before, but I don't get it from my job and is very expensive to get it through his. Everyone says I automatically get medicaid, we don't make great money but we're not poor either, do we qualify? is it irresponsible from us to start without it? Also I'm a permanent resident, husband's american...I do pay taxes!""

What car should I get for cheap insurance?

Im 18, i just got my license a week ago. I live in a small Louisiana town. I catch buses and taxis to and from college and work. I really need a car. I have 2000 down for one but insurance is like 600 dollars on my own policy. I can't get on any ones policy because I live on my own. I'm beginning to get discouraged because the longer I take to get a car the less money I'll have for a car paying 10 to 20 dollars on taxis a day takes all my money. What can I do? What cars will have the cheapest insurance for a new driver?

Good looking motorcycle with good insurance price?

iam 16 iam looking to buy a motorcycle but they insurance for my age is up the roof what are some good looking motorcycles with good insurance for my age and what else should i know before getting one ???

Will damages to my rental car go to my car insurance if I was not the one driving?

I have terrible luck lately. Two weeks ago I totaled my car (my fault) and I have a rental until tomorrow. Rental is from enterprise and paid for thru my car insurance. On my rental agreement I did not list any other drivers, and since it was paid for by my car insurance the guy crossed out the extra insurance and just asked me how much my car insurance deductible is and wrote that down($250). Today, I looked at the agreement and I actually hadn't signed it when I rented the car (even though there is a place for me to sign)...hmm...(?) SO, last night I was drinking and my boyfriend was not so he drove us home- in my rental. A car hit the rear driver side of us and it caused a dent and some paint damage. Called the cops, the other driver lied and nobody cited. I DO NOT want my insurance to know, since I just totaled my car. Boyfriend has full coverage, can it go on his? or will it go on mine? Can we just pay for it in cash & not use insurance? Its minor, fix before I turn it back in ?""

Insurance on muscle cars? Help Agents?

Hi, I'm considering getting rid of the 01 V6 Mustang and getting a new car. I currently pay $1300/yr for full coverage and $1000 deductibles. How much would the following cars be?..or please just rank them most expensive to least. My DUI is 7 yrs old and goes off in another 3. Driving record is otherwise clear. I live in the suburbs of SF California, drive about 10K a year. 1. 2011 Ford Mustang 305hp 2. 2011 Ford Mustang 400 hp 3 2005 Chevy Corvette 400hp (old guys car) 4. 2002 Corvette Z06 400hp, (old guys car but I'm afraid the Z06 will make it more than and 05 with the same HP) I'd love to get a V8! the v6 stang is a last resort! Good car...a little unsure of the new china made 6spd tranny in the mustangs?""

How much would insurance cost for a 2013 Ford Mustang Shelby GT500?

I am currently 17 years of age living in a metro area with straight As in school. I have never had any previous speeding tickets and I am a defensive driver. My parents are cosigning with me in order for me to get the car. I work as a waiter at a very upscale restaurant, so I am able to make the payments. But will it be over $300?""

Good Renters Insurance?

What's a good renter's insurance company and the approximate cost ?

Car insurance question?

So I was in a car accident recently, pretty minor, but the damage to my car exceed the value of my car by A LOT Damage total $2500. Car 91 integra, not worth 2500 anymore. The damage to the front end is a lot of cosmetic, but there is also frame damage, ac compressor broken, head lamp broken, and bald spots on the tires from me breaking so fast. First question in an accident were the at party person assumes responsibility of the car and both parties decide to not go through insurance both parties have to come to an agreeable amount right? Seems right, right. Second- If the party not at fault is not happy with the agreed amount and decided to go through insurance instead, but the damage exceeds the value of the victims car, is the responsible parties insurance going to pay out the amount of the damage done, I got 4 estimates or it the insurance going to pay only the value of the car and salvage my title? Second, can the responsible party pay out the amount that is agreed upon and then expect to get the victims (my) car in return? Or is his considered extortion? Cause there is no f-in way I the person who is not responsible for the accident can find a reliable car for 1500 bucks, but could part out, or retire my car, sell my car and get more plus the 1500 she agreed upon. I am afraid that if insurance is involved they are going to total my car out thus costy me hundreds more, then it will be worth nothing and I would not be able to retire it and get money from that or even sell it. Lastly, this person has no right to ask me for my car right, she caused the accident and is responsible for paying for that damage that she cause one way or another. Please help me figure this out.""

Is there anyway to avoid paying my 1000 dollar deductible on my Car Insurance?

I recently changed my deductible to 1000 dollars on my car insurance, and sure enough, got some dents on the front of my car sliding into a tree during bad road conditions. Is there ...show more""

Health insurance for kids?

Health insurance for kids?

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

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

Health Insurance for my mother in law(senior person)?

I need your help regarding the insurance coverage. Here is my story? My mother in law works at a grocery retailer and gets medical insurance coverage from the employer. She wants to quit because the job is physically challenging and she wants to take care of our baby. She is 62. But we are worried because we don't know where she will get medical insurance? 1. My insurance comes from the employer. Can I put her under my insurance plan? 2. Is there any special(affordable) type of insurance plan we can purchase? I believe this is a very common situation. If you are in the same situation, please help.""

Do pcv holders get cheaper car insurance?

Do pcv holders get cheaper car insurance?

Help finding very very cheap car insurance please?

i live in florida (miami) is there anyone that can give me a legit site that provides me car insurance for the cheapest price possible? what i mean by legit is no scams or anything, and an address where i can personally go to visit the insurance agency for the papers.""

What insurance company insured the Titanic when it was built?

What company insured the Titanic and how much was paid, and to whom was it paid.""

Insurance on a jeep wrangler.?

im buying a jeep for my first car (jeep wrangler). i want to know if the insurance is going to be high, im 16 year old male. my insurance would be geico. if you can compare it to a sports car would it be cheaper?""

Looking into farm bureau insurance in louisiana need help?

Farm Bureau is the cheapest insurance I can afford here but do I have to be a member to get auto insurance through them? I am only 19 will they insure someone my age?

Using car insurance comparison sites?

Hi, I'm 18 years old and taking my lessons. I've been trying to get a quote on a couple of cars that I would like to buy for when i pass or to get provisionaly insured on, I got a quote as having a full driving licence on a 2000 3door 1.2L for fiesta, I filled in all the relevant information no modification, using for social and commute to one place of work etcetc and its comes up with the cheapest being aroud 7000, this cannot possibly be right can it? Ive checked over the details and used different cars and the same price always comes up.""

Teen car insurance!! ?

im 15 and getting ready to buy my first car. i really want to know about how much my insurance will be. im getting a 2001 toyota celica and i live in north carolina and im a girl. can anyone please help?????

What's the average price of homeowner's insurance in Las Vegas?

I know this is a vague question but what are some estimate homeowners insurance prices in Las Vegas? The house is worth 180k, its brand new (built 2008). No pets or children, three bedrooms, 1700 sq ft. My fiance and I are first time homebuyers and we have excellent credit. I just wanted to know if anybody had any ballpark numbers (I plan on contacting my current auto insurance provider soon, but I want to hear what other locals are paying so I know if I'm getting a good rate)... Thanks!""

What is the cheapest insurance in alberta for a new driver?

What is the cheapest insurance in alberta for a new driver?

I need motorcycle insurance?

Does any one know how i can get cheap motorcycle insurance, im only 17 and i have a few tickets, so its not gonna be cheap, does any one know how i can get cheap motorcycle insurance?""

Why is my car insurance so high?

I bought a 2007 nissan sentra in 2011 and unfortunately didn't look into the insurance factor when I made my decision. I do have a lien on the car, but I'm in my 30's, no tickets, no accidents, okay credit, and I'm still paying over $200 a month in insurance! I pay more for the insurance then I do the car payment! Is the insurance high because it is a foreign car or what?""

How much does it cost to insure a jewelry store?

I am doing a fairly in depth project for school and I need to find out how much it costs to insure a small retail jewelry store. Obviously it depends on allot of things but for the purpose of this project I just need a rough number. Thanks!

What is online insurance?

onlin insurance pr5ocess and ways and meaning

""What is cheaper, car insurance or motorcycle insurance?""

What is cheaper, car insurance or motorcycle insurance?""

Driving Friends' cars with no insurance?

I have no insurance, but if it is true that insurance covers the car, not the driver, would I be safe driving my friends' cars with their permission, despite the fact that I *personally* have no insurance? Is it also true that if I wreck their car, would their insurance company go after me personally, and sue me, when they would normally go after my own insurance if I had it?""

What car should I get for cheap insurance?

Im 18, i just got my license a week ago. I live in a small Louisiana town. I catch buses and taxis to and from college and work. I really need a car. I have 2000 down for one but insurance is like 600 dollars on my own policy. I can't get on any ones policy because I live on my own. I'm beginning to get discouraged because the longer I take to get a car the less money I'll have for a car paying 10 to 20 dollars on taxis a day takes all my money. What can I do? What cars will have the cheapest insurance for a new driver?

Medical insurance for an International student?

hi, I am an international student and am on my OPT now. I haven't been to a doctor in 3 years now and all these years I had an international insurance. Now that it is going to be expire I was thinking to get an insurance. I was thinking to visit a doctor for a general health checkup. I would like to know which insurance would cover my visit to the doctor. I am 24 years old male. Unemployed. Thank you""

Best life insurance...?

Best life insurance What is the Best life insurance company

Car Insurance for Teen Girl Estimate HELP PLZ?

How much would you estimate that insurance for a 16 year old brand new driver in a 2001 acura integra 2 door hatch back would cost with a good student driver discount? any idea? any one close to those guide lines that have an idea willing to share? Please help thanks

How much do you pay for motorcycle insurance?

I'm trying to get an idea of how much I'll pay for motorcycle insurance. I'm 20, with a good driving record, who is looking to buy a honda rebel as a starter bike. So, if you could tell me your age, gender, insurance company, and how much you pay, it would be greatly appreciated. Please only serious answers. TIA""

Why is our group health insurance so much more expensive than getting an individual plan privately?

My husband gets insurance through his work, and they take out $170 a week (he gets paid weekly). So that totals about $730 a month for us and our kids plus maternity benefits. What confuses me is if we were to drop that insurance and get an individual plan with the same company, same deductible, same co-pay, including maternity benefits (exactly the same plan) it would run us about $440 a month. I thought that the whole point of getting on a group plan was that it would be cheaper. I would be okay with it being the same as private but it makes absolutely zero sense to me that it would be almost twice as much... Anybody want to explain? Or are they just screwing us over?""

Where can I buy good Health insurance?

Anyone know where I can buy health insurance. Im an independent contractor who needs good, cheap rates.""

Insurance didn't report?

My sister couldn't afford to pay her car insurance. Her insurances company never reported to the DMV that it was canceled. why? She even got speeding tickets and i thought the police do a run when they pull you over. how is this possible?

SR-22 insurance for a 2002 VW Jetta?

I'm at around $150 a month right now for my 1993 Mitsubishi Galant, which seems a little rediculous to me, I may be switching companies. Any idea how much more it would cost?""

I have a car insurance question.?

about how much would it cost for a 16 year old boy in california todrive a 2004 silverado access cab? please give me a quote and not a website.

Can you really find cheap health insurance ?

I live in mass and i can not find health insurance for my needs and have been denied by the state health insurance. Dont know what to do ... anyone can help ?

Can I purchase life insurance on my husband without his signature?

My husband is 41 years old and in perfect health but he won't get life insurance because he thinks nothing is going to happen to him. Is it legal for me as his spouse to purchase a reasonable policy of $50,000 without his signature from a company that doesn't require medical questions?""

Is it legal to keep a check from my health insurance company that they expect me to pay the doctor with?

We are having a really difficult time financially. My husband gets a very large bonus in December and we will be back on track and then some. So here's my question. I recently ...show more

How much would insurance for a motorcycle cost for a 17 year old?

How much approximately for a 17 yr old with a 250 ninja? what about a 600cc bike? I do not have my drivers license yet, only my permit and I would get a learners permit on my bike. How much do you think it will cost?""

What would Jesus do I f he didn't have car Insurance?

what would Jesus do I f he didn't have car Insurance ? and there was no help from god?

What to do about Young Driver's car insurance?

I'm 17 and currently looking at buying my first car with insurance sometime during next year. I've been looking around on a lot of price comparison sites and the cheapest I could honestly find was 3,000 a year. I even tried putting myself on my dad's insurance through them and it was still in the 3000's. I have tried with a number of cars, mainly from group 4 insurance as anything below that tends to be really new cars that boost up your premium. Ideally, I'd like to buy my friends Peugeot 306 off him which is a 1.9 diesel that is usually really cheap to insure compared to most other first cars . However since this huge insurance increase I'm finding it impossible to get prices below 3000. Does anyone know of anyone specialist insurance sites for young drivers that offer cheaper prices or does anyone have any tips for filling out the forms to lower the price? I've tried everything I possibly can but I may have missed some important thing. I just know I don't want to pay 3000 a year for a car that I'm buying for 400. I see no logic there, what so ever. I'd rather crash my car and then buy another 6 of them.""

Is a Ford KA cheap to insure?

I am a new driver, just passed my test ( im 17 ) and thinkin to buy a ford ka as a first car. Is it cheap to insure tho? Around how much? Thanks""

Home insurance comparison?

Considering switching home insurance carriers. The North Carolina Rate Bureau (NCRB) rate and premium for a policy period from May 18, 2013 to May 18, 2014 is $770. The insurance company's proposed rate and premium is $984. This represents a 28% increase over the NCRB rate and premium. Our assessed home value is $525,000. We hold other policies with USAA (auto, life), but have not gone with them for home because the feedback we've received insofar as home has not been favorable. I welcome your home insurance insights, thank you.""

Car insurance address when at university?

I am a university 20 year old student and I will be insuring my first car next month. I was just wondering if I would be able to use my home address for the insurance details ro whether I would have to put my term time address. i ask this because I come from Wiltshire (low risk) and I go to uni in Birmingham (high risk). I mean my car will be with me at uni but the cost is sooo much lower if I use my home address. Is this ok and legal? Cheers

Why is my health insurance so much?

My girlfriend- is 22 in shape and healthy other than having psoriasis and ADD; she has health insurance and pays $90 damn bucks a month. I am looking for insurance since I will soon be 26 years old in shape and healthy and am looking at paying $200 a month. This is bullshit frankly- I am healthy, only have ADD (which I don't even take meds for but want to start again) and have a steady well paying job. I tried looking through the websites but found nothing less than $110 for not so great coverage. Can someone explain to me a. where to get good affordable health insurance b. why there is such a difference in cost since she has more problems and we are only 3 years apart c. are there any options for me if I went to healthcare.gov? I know she isn't lying about the payments and I know she has a co pay with each subscription/doctors visit but its minimal like $30-60 minimal. Any help or advise is very appreciated- also please don't make this political.""

I'm looking for free car insurance quotes?

As I'm a new driver, my parents told me to seek on the internet for insurances quotes, to help me handle my own things. So yeah i'm looking for websites that offer free car insurances quotes.""

How much will be my car insurance? (I'm serious)?

Guys please take this question seriously and don't even try to answer unless u r going to answer thoroughly I'm 18 and will be 19 in october And I'm getting driver license in a month My parents are not citizen and they don't live in US But I'm citizen and go to high school I heard that my car insurance is extremely expensive since my parents don't live in US But I really NEED to drive my own car ( Not i want to, i NEED it!) I'm aware that the insurance fee depends on companies ***So what I want is approximation or similar examples or similar cases (My GPA is over 4.0 so probably there will be discount... *** if there is, i need every info for discount) And only my mom got her license when she stayed here for few month last year She needs to renew it and she is registered to my uncle's car (I live with my uncle) ***Does this affect my fee? I'm working in city recreation department How can I go work if i don't have car? Now...I ride bike for 4miles to go there... Please help me""

""Where can I get insurance, I want to play a sport but I don't have insurance ?

So im thinking about joining sports in school but I don't have insurance and does state farm sell that kind of insurance or any other insurance company

What is the CHEAPEST homeowner's insurance around?

Along with flood insurance and car insurance, but the main thing is homeowner's insurance. They've gone up on us something fierce, and we don't live in a mansion. Affordable homeowner's insurance is the question. Thank you.""

Insurance is a scam?

Why would we need it to be a law? Insurance is in case something happens, well what if nothing ever happens, all that money goes straight into their pockets. If it's law, they should make a new law where, after a certain number of years that you never got in an accident you get your money back. The main reason a hit and run occurs is, jail, or they don't have insurance. You would solve half the problem! I read in the DMV booklet that you can show proof that you have $35,000 in an account, and you wouldn't have to pay insurance, does anybody do this?""

Health Insurance Vs No Health Insurance?

Joe is currently unemployed and without health insurance coverage. He derives utility (U) from his interest income on his savings (Y) according to the following function: U = 5(Y1/2) Joe presently makes about $40,000 of interest income per year. He realizes that there is about a 5 percent probability that he may suffer a heart attack. The cost of treatment will be about $20,000 if a heart attack occurs. a. Calculate Joes expected utility level without any health insurance coverage. b. Calculate Joes expected income without any insurance coverage. c. Suppose Joe must pay a premium of $1,500 for health insurance coverage with ACME insurance. Would he buy the health insurance? Why or why not? d. Suppose now that the government passes a law that allows all peoplenot just the self-employed or employedto have their entire insurance premium exempted from taxes. Joe is in the 33 percent tax bracket. Would he buy the health insurance at a premium cost of $1,500? Why or why not? What implications can be drawn from the analysis?""

What car should I get for cheap insurance?

Im 18, i just got my license a week ago. I live in a small Louisiana town. I catch buses and taxis to and from college and work. I really need a car. I have 2000 down for one but insurance is like 600 dollars on my own policy. I can't get on any ones policy because I live on my own. I'm beginning to get discouraged because the longer I take to get a car the less money I'll have for a car paying 10 to 20 dollars on taxis a day takes all my money. What can I do? What cars will have the cheapest insurance for a new driver?

How much will a long lapse in my car insurance coverage cost me (on average) when I try to get inusrance again

And by long I mean between 6-12 months.

Showing proof of insurance after citation (in Texas)?

Hello, i received a citation for driving uninsured a couple days ago (my court date is the 15th). I got a letter in the mail today saying i would have to pay a fine of $300.... ...show more""

How much would car insurance be for a 2002 Jaguar X-Type compared to one for a 2002 Lexus ES300?

I know the Jaguar would be more expensive but by how much?

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 :)

Where can I get cheap health insurance in NYC as an individual with a relatively low deductible & low premium?

Is that even possible? My reasoning is this: I am 26 and I am self-employed. I am basically just looking for a bare bones plan that will have the lowest premium possible and I actually care more about emergency care than doctors visits. You see, I don't get sick often and don't plan to go to the doctor a whole lot...I just want something in case of an accident and the whole low premium w/ high deductibles thing won't help me...I'll be stuck with a sky high bill to pay off if I stay in the hospital. I'd rather have emergency coverage and simply pay out of pocket for a doctor if I have to. Is there a plan out there in NY that fits this? Anyone know? HELP! I make too much money to qualify for Healthy NY or another low income program..but not enough to reasonably afford a normal healthcare plan when factoring in rent and student loans. (If this isn't a reason for universal healthcare in the US, I don't know what is)""

What are some reasons a person would get kicked off of state farm car insurance?

recently i had gotten into a small accident in a private driveway. not much damage done to either vehicles. when we brought this to the attention of our State Farm Insurance, they said that my mom can be taken off the plan because i was an unlicensed driver with no other driver in the car. she had no idea i had the car though. i own the car but its under her insurance. i usually only take it to work, but something rather important had come up and i had no other way of reaching my destination. can they really take my mom off her plan for something she was not aware of?""

Cheap car insurance for new drivers?

I passed my test yesterday and want to know if anyone knows any cheap insurance companies that do 1 month cover only? as am im selling my car soon! thanks!

""On average, how much does groceries cost for 2?""

My friend and I are creating our budget plans for our first apartment. So far I've factored in rent, utilities, car insurance, and gas. If you know of anything else I should be aware of please let me know. Thanks!! (Btw, I'm in Arizona)""

What car has the CHEAPEST car insurance for a 16 yr old?

What car? make? model? yr? Insurance company?

""When you get married, how do you get off of your parent's insurance, etc?""

My dad still has me declared as a dependant, and my car insurance and health insurance is on his. When I get married will these automatically change, or do I have to notify the insurance companies and tax people?""

Can I drive my friend's car if I am NOT on their insurance?

In the state of OHIO, I want to know would I be able to drive a friend's car if I am NOT on their insurance, but I have my own insurance?""

Co-op smartbox for young drivers?

I am 18 and considering going through the co-op box scheme for young drivers. Everything about it looks great (I've gone from quotes of 6000+ to 3000!) but there's one area that concerns me - I can't imagine I'll be confident enough driving any time soon to be a wreckless driver, but I intend to go on holiday around Scotland with my friends in the summer where I'll be driving for a long time. I was wondering whether this might affect my insurance premium. So for example if I drove around 5 hours a week, consistently, for a few months, and then went on a road trip and drove for 30 hours one week, would this raise my premium? I ask because on the quote page it asks for how long I'll be driving on a weekly basis. Do any current customers happen to know whether they care at all? Thank you in advance! :)""

Cheapet Cars To Insure For A 18 Year Old?

i am 18 years old living at home, i have 1000 pound and i am looking for a cheap run around to get me to school and back,, does anyone know any cheap cars to insure tanks""

Is it mean to cancel the kids' health insurance?

I pay for all of the health insurance through my job, including his. I told hime that he has 15 days to some for himself and 30 days to get some for the children. He thinks that is a horrible mother because it would all cost me $300 a month but it will cost him $1200 per month. He make 260K per year. I make $70K He he moved out and got involved with someone else. Why should it be free to destroy your family? I really should have done this four months ago when he moved out.""

Teenage insurance for 2001 Ford Escape? 2002 Jeep Liberty?

I'm thinking about purchasing this car used for my 18th birthday. I have to wait until i'm 18 so I can be on my own insurance. But I have taken drivers ed, and I will be buying this car full payment in cash. So I'm curious to know what the insurance could be! I have tried to get quotes online. You have to already be insured and own the car...I have tried so many. I also am a female, so my insurance will be a little lower. I just really need to find out what it would be! I was also thinking of purchasing a 2002 Jeep Liberty, any insurance guess on that? Ford Escape is a better car, but i'm just seeing what insurance could be for both. Thank you so much!""

Where can I get individual health insurance that will cover Pregnancy?

I live in a small town in Texas, I was recently married in June 2008, we got pregnant with twins but unfortunatly had a miscarriage...one of hardest things I have ever had to deal with...anyways...we want to try again but I really want to have health coverage and not have to pay out of pocket...does anyone know of any health insurance that covers pregnancy...from what everyone else is telling me no individual policy will cover me if i get pregnant...if anyone can help I would appreciate it...""

Why are the big insurance companies so much cheaper?

I am getting off my parents auto insurance and getting my own. The Quote from the agent my parents use who is local to the area was nearly two hundred dollars more per year than the quote i got from progressive. Is there a reason to use a local company? he tried to sell me on customer service but i only deal with my insurance company maybe once or twice a year so i'm not sure that its worth $200 to me. Is there a reason to use a local company?

Why is it that girls can get cheap insurance?

i passed my test a year now payed a grand for my insurance at first then had to another one as it ran out and had gone down to 400. my bf has been driving for 4 years now and his insurance on his car is 2 grand just for fun he put into see how much it would cost to me to drive his car and came up as a grand lol he was really peed off lol his car is a 1.8 t and mine is a 1l corsa 53 plate and for fun again he went ot see how much i was for him on my car it was a grand lol. how come girls can get it soooooo cheap. so next year am getting my golf gti mk4. am sick of having my slow corsa.

Minor car accident with no car insurance?

I was in a minor car accident last month and i was the one at fault. I was backing out of a parking space and a lady with her son who was driving pulled up behind and was going pretty fast. I left a minor dent in the front part of her car and a few scratches. She has been harrassing me since the day it happened and finally she contacted me and i agreeded to pay the cost of the damage because i didnt have insurance at the time. But then she sent me a sheet with the costs of the damages, 1,000 dollars!! I think it's way over priced and a lawyer doesnt want to do anything about it. She keeps calling and harrassing me and threatening me with the law. what can the law do? what can the judge do to me in court? will i go to jail?""

Cheapest auto insurance?

Cheapest auto insurance?

Which car insurance is good and cheap for a teen?

Well not so much a teen anymore im turning 20 in a few months.. but my car insurance is REALLY high..is it because i have a honda civic? or that im 19.. Should i try Geico? I dont know what to do. anybody know any cheap insurance companys?

Mustang GT car insurance?

Hey in 16 and im looking at buying a 1994-2005 Mustang GT. I like working on cars and this car seems to me an awesome car to work on. I just wanted to know how much people pay for insurance with a mustang GT. Also how much more would it cost because i am 16.

Is there car insurance for people who don't own cars in Ontario?

My parents are taking me off their insurance as an occasional driver. I don't own a car and don't plan on getting one. I was wondering if I need insurance in order to drive someone else's car? I haven't had any luck finding info relevant to Ontario. Thanks!

""Do traffic schools, particularly in California, prevent an increase in auto insurance rates?

I just received my first traffic ticket :(

Advanced driving courses/car insurance?

Hi I am a 20 year old male, i passed 2 years ago, but since my dads insurance went up to 7000 with me as an additional driver both of us totally clean on a 1.4 astra i have been without my own transport as i had to be removed from the policy which is understandable. i've always been a sensible driver with 2 years no accidents or convictions but i have always been an additional driver to save costs on insurance but now the time has come to start building my no claims and i am struggling to find a car i can afford to insure. So long story short what i was wondering was could anybody please tell me of any advanced driving courses or any other ways to lower my insurance quotes and post links to them so i can find them easier. please help its becoming a real nightmare and i am sure if you can help me here you are helping thousands of other young drivers who are being punished because of muppets out there. Thanks for any help i would greatly appreciate it""

What car should I get for cheap insurance?

Im 18, i just got my license a week ago. I live in a small Louisiana town. I catch buses and taxis to and from college and work. I really need a car. I have 2000 down for one but insurance is like 600 dollars on my own policy. I can't get on any ones policy because I live on my own. I'm beginning to get discouraged because the longer I take to get a car the less money I'll have for a car paying 10 to 20 dollars on taxis a day takes all my money. What can I do? What cars will have the cheapest insurance for a new driver?

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