#so i assumed thats what one of the THREE!!!! letters we received were

[angelstrawbabie420]

it is actually fucking insane i feel like an angel has blessed me somehow and now i do not know where to put all of the anger and sadness i dredged up bc of it. truly incredible. life is so so so fucking stupid.

[gashinabts]

philophobia|(m)

Words: 7.4k

Pairing: Taehyung x Reader

Genre: Angst, Smut, Fluff, Mature

Summary: Taehyung, a man, who swears he’ll never fall in love meets Y/N a hopeless romantic.

Warnings: Teasing, spitting, oral (f/receiving), fingering, pussy slapping, pussy sniffing ( lmao idk if thats a thing?), squirting, sexual intercourse, mention of homophobia. Topics of child neglecting, if this makes you uncomfortable pls don’t read :) minor character death

A/N: Taehyung is a bisexual king! Tell me what you peeps think, remember that comments motivate me to continue writing!!! This is my work, no reposting this and my other works on any other platforms.

Kim Taehyung was born December 30, 1995 his father left him when he was 11 years old that is when Taehyung realized that love never lasts. His mother pretended that his father never existed, she quickly hid the family photos away, along with covering his tomato garden with dirt. Taehyung wanted to ask where he went but stopped wondering when he heard a few of his classmates whispering that Taehyung’s dad left them for a young woman in her twenties. 

As Taehyung grew into his teenage years he would often get asked out by his classmates, he wouldn’t decline, accepting the dates to see if he can ever fall foolishly in love like his Mom once did. However, nothing ever happened, he would kiss them goodnight but won’t call them the next day. In high school he lost his virginity at a party, he wasn’t nervous, just did things he’s seen in filthy pornorgraphy. The very next day the girl spread the rumor that Taehyung was a sex god, that he probably had sex everyday with a different people. Was that a compliment? He remembered thinking to himself as he sat in the back of the classroom, feeling people secretly stare at him. 

That day he met Jimin. Jimin was a popular boy that everyone swoon over. Of course he had a girlfriend, they have been dating since middle school. The guys would gawk at her when she would wear a sports bra to track practice. Taehyung was in art class sketching an apple, Jimin came over and talked to him as if they were friends. It was nice, Taehyung listened to Jimin complain about his art. When class was over, Jimin asked Taehyung to hang out with him after school. When Taehyung sat on Jimin’s bed, he looked over on the desk and saw a picture of Jimin and his girlfriend. Right next to it was a picture of what he assumed was Jimin’s family. A Mom, Dad, an older brother, and Jimin. He turned his gaze back to Jimin...who was undressing in front of him. Jimin’s underwear was the only thing on, Taehyung didn’t expect him to have lean muscles and define abs. An hour later  they were both breathless, exhausted from the sex. 

“ I’m not gay.” Jimin tells Taehyung as he cleans himself with a rag. 

“ Okay.” Taehyung shrugs and pulls his pants up. He’s watched gay porn and straight porn before and got turned on by both of them, so it doesn’t come to much of a surprise that he enjoyed the sex with Jimin. 

*******

Taehyung watches from afar when Jimin kisses his girlfriend in the school halls, wondering if that’s love. The next few months, Taehyung and Jimin fool around more. Jimin would call Taehyung over, then they would fuck and they would both be on their way. There were never conversations or pillow talks, until right now.

“ I’m gay.” Jimin confesses to Taehyung. 

“Cool.” Taehyung shrugs, looking for his shoes. 

“ That’s all your gonna say?” Jimin rolls his eyes grabbing his t-shirt wiping the come on his stomach. 

“ I’m bisexual, happy?” Taehyung looks at his phone and notices a missed call from his mother. He tucks his phone away, “ Why are you still with her? Your girlfriend.” He finally asks the question he’s been meaning to ask since the beginning.

“ I love her and I don’t want to hurt her, but I can’t love her like that.” Jimin looks at the picture of them and flips it down, almost ashamed of how much of a coward he is. “ Plus my Dad would kill me if I told him I like men.” He throws his head back looking at the ceiling not wanting to cry his eyes out. 

Taehyung thinks love is complicated, he thinks people who are in love are selfish. They rather hurt themselves for the sake of love. It’s stupid he wants to tell Jimin that but he keeps quiet until Jimin looks at him with tears eyes. “ I don’t know what to say…”

“It’s fine...you don’t have to say anything just keep me company, yeah?” 

“ Okay,” Taehyung sits back on the bed watching but not really watching tv with Jimin. 

---

Taehyung’s mom was proud of him when he got accepted to a good college, she would brag to her friends and show pictures of his acceptance letters. Along with bragging how she raised Taehyung all by herself. Taehyung didn’t mind that he was in the spotlight, whatever made his mom happy he would comply with whatever she does. He was good with numbers so he was going to major in data analysis, he really wanted to major in art but his mom laughed in his face, telling him to be realistic. 

Taehyung is now in his third year of college, wanting to just graduate already, done with the shitload of classwork and long ass lectures. Just right now he just finished his homework that took him three hours. He’s about to call it a night until Jungkook barges in his room, yelling at him to get dressed for a party. Taehyung switches his dirty hoodie with a clean hoodie, opting out grey sweatpants with jeans. He keeps his glasses on, due to his eyes being tired and not wanting to irritate them with contacts. 

Jungkook hands Taehyung a drink, there’s obscene music, blunts being handed around, and people grinding on each other. “ When’s the last time you got laid?” Jungkook asked, as he took a gulp of his beer.

“ Last week...I think.” Taehyung searches through his mental sex list, but can’t seem to remember the girls face or name. He looks around and watches a couple argue with each other. The man rolls his eyes as the woman tries not to cry, the woman ends up leaving him and going upstairs.

“ Damn, lucky. I tried to hook up with this girl and she ended up leaving me hanging. Claimed that she’s not over her boyfriend, started crying on me when I was going down on her.” Jungkook cringes, sipping more alcohol. “ Be my wingman, yeah?” 

“ Sure,” Taehyung nods. Jungkook is talking to this pretty girl, and she laughs at every joke that Jungkook makes. Taehyung wasn’t even sure why he asked him to his wingman when Jungkook can easily get a girl to bed. Jungkook nods absentmindedly when Taehyung excuses himself, he wanders around the frat house looking at people getting wasted. Once he gets tired of it he goes upstairs, hoping to find solace in an empty room. He opens a bedroom door, and notices a girl with a pencil and notebook. “ My bad-,” Taehyung is about to close the door.

You look up from your sketchpad, you see a tall man with messy curls and glasses. “ You can stay,” you observe him, he looks like he was forced to come here. There’s no red solo cup in his hand, he looks like he hasn’t a good night's rest. Also why else would he look mindlessly into rooms, the bathroom doors have a handwritten sign stating ‘BATHROOM’, so he must be bored or something searching into bedrooms. “ Or don’t. I don’t care.” You watch him close the door, entering the room.

“ Is this your room?” Taehyung looks around the room, noticing posters of naked women and marvel posters. Weird combination he notes. Along with the dirty clothes scattered all over the floor. 

“ No,” you laugh. Shutting your notebook close, taking notice of his nice hands brushing his hair back. “ My friend’s room. I didn’t really feel like partying just decided to sketch,” you lift your pad up. He nods and sits on the bed.

“ Can I draw?” Taehyung points towards the sketchpad. He hasn’t drawn in months too busy in his schoolwork, his fingers would sometimes draw on foggy windows but nothing more. You nod tearing a piece of paper out and handing him a pencil, he thanks you. 

You were sneakily glancing at him, sketching him, his angular jaw, messing hair, uneven eyelid, long eyelashes. Getting lost at his elegant features, wondering if he knows how beautiful he looks. You shake your head for easily fawning over this man. His hands are even beautiful, they travel across the paper gracefully with each stroke. You turn your eyes away when he makes eye contact with you, cheeks getting warm. “ What’s your name?” You ask while shading the contours of his cheeks.

“ Taehyung.” He folded his paper into a small square, putting it into his pocket. “ Yours?”

“ Y/N,” you smile.

---

“ Did you get laid yesterday night?” Jungkook is shirtless with scratch marks behind his back, there’s a couple of hickies on his neck.

Taehyung takes a sip of his tea before answering, “No, just talking to some girl. Her name is Y/N.” 

“ Y/N. She’s a nice girl. One time I forgot a scantron for class and she gave me one. She’s also friends with Namjoon.” Jungkook pours himself coffee sitting next to Taehyung. “ Are you interested in her?”

Taehyung would be lying if said he wasn’t interested in you. When he entered the room he thought you were pretty and had a kind smile. “ Maybe...why?” 

“ It’s best if you don’t try to get at her. Y/N looks the type to fall in love easily.” Jungkook sighs cracking his back on the back of the chair, groaning at his achy body. Taehyung wonders how can someone fall in love easily, he’s not one to believe in love at first sight or any kind of stuff in that realm. “ Alright, I’m gonna take a quick shower and then we can leave.” 

Taehyung and Jungkook are at the library studying or trying to study, Jungkook is texting someone the whole time instead of studying for his macroeconimics test. While Taehyung is playing video games on his phone. “ Hey guys! Didn’t know you actually study Jungkook,” Namjoon jokes, ruffling Jungkook’s hair. Jungkook rolls his eyes pushing his hand off his head mumbling curse words at him. Taehyung looks to the side of Namjoon and notices you laughing as the scene unfolds. You’re carrying ice americanos and Jungkook immediately takes it out of the carrier, thanking you. 

You look at Taehyung placing one in front of him, “ I didn’t know what kind of coffee you liked.” Taehyung is wearing similar clothing to what he wore at the party, mostly muted green colors and his circle glasses, his hair is pushed back with a headband. He looks surprised to see you, but nevertheless thanks you for the coffee. The conversations between Jungkook and Namjoon get more serious when they finally decide to study for their materials. You try to study but you want to talk to Taehyung wanting to get to know him more, you nudge your foot against his leg. He looks up, looking at you in question, you nod your head towards the exit entrance, he nods slowly unsure to what you're up to but following your lead. Jungkook and Namjoon are too invested in their studying to see you and Taehyung leave. “ Do you wanna go to my apartment?”

“ Sure,” Taehyung shrugs. The apartment was small and kind of messy, you try to hurry up and toss some of the paintbrushes in the sink. There’s water cups filled with murky colors, and paint marks on the tables, he’s not used to a sight like this. In his apartment it is always clean and tidy, not a dirty plate in sight. “ You live by yourself?” he asked, placing his stuff on the table. 

“ Yeah, my roommate moved four months ago with her boyfriend.” You give up cleaning the mess since there’s too much to clean. “ Want some-” You are interrupted when you feel Taehyung’s lips on your, your hands push his chest flustered at the sudden kiss.

“ I-I- sorry...I must have read something wrong,” he looks embarrassed immediately backing up giving you space. “ I thought you invited me to your apartment for sex.” Taehyung notices how your eyes widen, fuck he feels like an ass, scared that he made you uncomfortable. “ I should go…” he goes to pick up his bags ready to bolt out.

“ I just wanted to talk...to get to know you better,” you speak before his hands grab the doorknob. “ We can paint and talk, if that's okay with you?” 

“ Are you sure? You don’t want me to leave?” 

“ Stay.” You go to the sink to wash your dirty brushes. 

Taehyung sits down looking at the wall, notices a canvas of a man, he has plump lips, gentle eyes, overall he is beautiful, something that seemed out of this world. Maybe it was the way it was painted that made it appear like that. “ You painted that?” Taehyung speaks shifting his gaze to you.

You look at where Taehyung was pointing at, it was the painting of your ex boyfriend, “ Yeah, that’s my ex boyfriend, Seokjin. The professor told us to paint the definition of love…,” you stare at Seokjin’s face, remembering the memories you shared. The brushes are all cleaned and you set them down, grabbing some water colors that are in the cabinet. 

“ Do you still love him?” Taehyung curiously asked, watching carefully at your reaction.

There’s a slight pain of thinking about him, truly not over his death. “ Yeah I’ll always have love for him…” 

Taehyung wants to ask more about him but doesn’t want to intrude, he doesn’t say anything else but paints. This is when Taehyung feels like he’s truly being himself painting, expressing himself without saying anything. Moments like these wish Taehyung would’ve chosen doing what he has a passion for insteading appealing to his mothers standards. 

“ Why are you a data analysis major?” The artwork he is doing is remarkable, there’s dark undertones and eerie about it but it is beautiful something that you have to keep staring at.

He chuckles, “ Because I need to eat.” You look down feeling a little insulted he must've noticed since he immediately apologizes. 

“ It’s okay. You know if you ever want to relax and paint, you can come here,” you continue painting small flowers. The first time, he smiles and nods his head.

---

5 months later

This is the third flower shop visited and he’s getting more tired with each second. “ This arrangement or this one?” You ask Taehyung, as you hold two bouquets. One was more filled with carnations and the other was filled with lilies. He gives it some thought before pointing at the carnations. “ This would be pretty to paint,” you smell it getting happy inside.

“ Finally, when can we eat...I didn't eat anything this morning,” his stomach growls at the thought of food. He’s still carrying the vases you bought at the thrift shop, you had to plead with you to not buy another antique mirror because he knows he would have to carry it to the apartment.

You gave the cashier the money, as he wraps the flowers in newspaper, turning your head you look at Taehyung, “ Why did you come with me if you were going to complain the whole time?” You laugh at his scrunched nose as you pinch it. The flowers are handed back and you thank the cashier, leaving with Taehyung.

“ Because I wanted to,” Taehyung shrugs. In your apartment he puts the flowers away as you cook him food, he always enjoys your cooking. When he was younger all he ever ate was ramen, never really ate some home cooked meals, his mother was always busy working trying to financially support the family so he never once asked his mom for dinner. Even at his own apartment he doesn’t eat Jungkook’s food since he doesn’t know how to cook either. Sometimes when he’s hungry he’ll just come to your apartment and you’ll be more than happy to cook for him.

When Taehyung enters his apartment Jungkook is watching anime, foot propped on the table and sipping some beer. “ Back from your girlfriends’ so soon?” 

“ Not my girlfriend but yeah, I left my schoolwork here so I had to come back,” he sighs. Taehyung doesn’t get mad when Jungkook teases him about you being his girlfriend, but he sometimes gets annoyed. He likes the friendship between the two of you, it’s different from any other friendships he had in the past. “ Tomorrow night the apartment is mine. This guy wants to hangout with me.”

“ Just say he wants to fuck you,” Jungkook yells as Taehyung closes his bedroom door. 

---

You meet Taehyung at the park with some bread, he hugs you and asks about your day. “ It was okay. Had lunch with my Dad, but it always ends up in some lecture. I swear, sometimes it feels like I’m fifteen or something,” you tear a piece of bread throwing it into the pond watching some ducks gobble it. You try to look at Taehyung but it hurts when you see some hickies on his neck. On the day you were about to confess your feelings to Taehyung you asked him if he ever loved someone, he laughed and said that he doesn’t believe in no such thing as love. As much as you wanted to disapprove of that idea, you couldn’t be the one to change it.

He grabs some bread, chucking some pieces out, “ What was the argument?”

You laugh thinking about your Dad’s red face, “ I invited him to my apartment, and he found the blunt we smoked together in the ashtray.”

“ Shit, I should’ve thrown it away,” Taehyung laughs too, pushing some of his hair back. 

“ Just glad he didn’t find any of my sex toys,” you cringe just thinking about it. You feel something tugging the end of your skirt, looking down you see a toddler smiling cheekily pointing at the bread. You smile, “ Here, have fun,” you hand him the rest of your bread. You watch him wobble as he runs to his mother throwing the whole slice in the water. 

“ Sex toys?” Taehyung asked once the child was out of sight. “ Like what?,” Taehyung is interested, he doesn’t know, maybe because he can’t imagine you using them. Or he wants to know how you use it. There were times when Taehyung wanted to have sex with you but he turned those urges off. He doesn’t want to give you mixed signals remembering Jungkook’s words of advice. “ Never-”

“ A dildo, vibrator, hitachi wand, or even my favorite pillow,” you trail off not thinking much until you realize who you are confessing to. “ I-I uh…”

“ How often?,” Taehyung asked quietly, not wanting any other people hearing the conversation. He shouldn’t get turned on but he is.

Something about Taehyung’s deep quiet voice is making you squeeze your thighs, “ Every night…” You're still looking at the pond, watching the ripples that are caused by the ducks swimming away. You can feel Taehyung's stare but you ignore it. The conversation switches to another topic when you talk about your school work. The sun sets and you both part ways.

The sound of tea kettle wakes you up from your concentration of you sketching, sighing you pour yourself the tea. Looking at your art, you turn it over not wanting to see Taehyung’s face right now. But fate has different plans when you hear knocking on the door, Taehyung appears, he lets himself in and is close to your face.

“ Taehyung?” You’re puzzled at his frazzled state, deeply staring into your eyes. 

“ Can I kiss you?” The words are quiet but firm. Stupidly you nod, not caring about any consequences. His hands cup your face, immediately going into the kiss. The kisses get deeper, his hands travel to your hips bringing you closer to him quickly, you lose friction from the fluffy socks you're wearing causing you to slip, immediately grabbing Taehyung as you fall backwards. His hands are quick to save himself from not falling onto you. There’s a slight pain on your tailbone but is immediately forgotten when Taehyung goes back to kissing you.

The big t-shirt you are wearing is tossed, his hands immediately fondle your breast, his lips leaving kisses on your neck, groaning as he pushes his bulge against your clothed core. “ Taehyung...let me touch you,” you moan when he bites your neck. He pulls back, pecking your lips before taking off his clothes. Your hands trail against his chest, his stomach, towards his pelvic, trying to remember every part of him. He is surprised to have you touching him like he was some marvel statue, usually his past hookups just rush into the sex. It’s very intimate and he doesn’t know how to feel about it.

 Taehyung groans when you touch his dick, he’s hard and wants to be inside of you already. He comes down kissing you, his hands get rid of your panties, fingers spreading your wetness. The moans you let out are turning him on even more, he stretches you out with his fingers. He likes the way your eyes flutter, the shape of your lips tremble, along with your chest inhaling and exhaling deeply. “ You are so pretty,” he doesn’t mean to say it loudly but he does. There’s a blush that blooms on your cheeks, it reminds him of the flowers you would get to study paint.

“ Taehyung,” you moan slightly flustered at his compliment. He reaches for his pants grabbing a condom. “ You don’t want to go to the bedroom?” The floor is still cold against your back, and the last time you cleaned the floor was days ago. 

Taehyung shakes head, already putting on the condom not wanting to waste time, “ Too far,” he smiles when you laugh. He enters you feeling you clench tightly around, he moans digging his head into your neck. “ You are so tight,” he groans. “ Feels so fucking good, having you like this,” he confesses.

You moan loudly, his thick cock streching “ Oh fuck, Taehyung, please just fuck me,” your hands go to his waist urging him to move. He listens to your command, thrusting slowly trying to get deep as he can. Maybe if you can close your eyes you can pretend that he’s in love with you. He goes faster and cries at the pace he’s going, the pleasure is overwhelming, something that you can’t get with your own hands. “ I’m close already,” your hand goes to tug at his wavy hair.

“ Me too,” his voice is deeper. His hand travels down to your pussy searching for your clit and rubbing it. “ Come for me,” he says into your ear. You moan his name loudly, cumming around his cock, scratching his back. The sight of you creaming around him makes him immediately come, he searches for your lips, moaning your name in the kiss. The two of you lay in the afterglow of the sex, panting loudly his body is barely being hold up, and you laying on the hard floor.

Taehyung gets up throwing his condom away, he looks at you still laying on the floor with your eyes close, the realization of him having sex with you just popped up. He hurriedly gets dressed, then helps you get dressed, he gets shocked when you kiss him as a thank you. The next morning Taehyung wakes up early, making sure to leave quietly, not wanting to disrupt your sleep.

---

You weren’t going to lie, it kind of hurt not waking up beside Taehyung but you shouldn’t have gotten your hopes up. Namjoon invites you to a kick back, only inviting a few people to his house to chill and drink. You take solace on the couch, watching people get high and drunk, you weren’t in the mood to do either so you make conversation with a slightly high Hoseok. He’s in mid-discussion about Shrek being a cinematic masterpiece, when Jungkook yells from the door entrance that he has Taco Bell. Taehyung is beside him wearing all black beanie, crewneck, and sweatpants, but still looks better than half of the people here.

 You turn your gaze back to Hoseok who’s left walking towards Jungkook immediately grabbing a taco. Sighing you decide to get fresh air, staring at the tall dark buildings. “ Whatcha you doing here by yourself? It’s fucking freezing,” Taehyung speaks out closing the slider door standing by you. He takes off his vape pen inhaling it.

“ Wanted fresh air,” you shrug, still staring at the buildings. “ Hoseok left me for tacos. He was onto something, saying that Shrek is a masterpiece. Who knows maybe he’ll write his thesis about it.” Taehyung chuckles, he keeps looking at you and you finally stare at him. “ Why’d you kiss me yesterday?”

He blows out the smoke, and puts his pen away, “ Cuz I wanted to,” he shrugs not thinking much about it. 

“ Nothing else?” You arch your eyebrow.

He continues to stare into your eyes “ Nope,” he shakes his head.  

Some part of you wanted him to say that he had feelings for you but in the back of your mind you knew that wasn’t going to happen. You smile pushing his chest, “ Well that’s the last time we are ever going to do anything like that.” The both of you know that is a lie.

---

For the next couple of months you and Taehyung continue sleeping with each other.

When you are studying with Namjoon in the library, Jungkook and Taehyung spontaneously show up, causing Namjoon to groan. “ You know you love me,” Jungkook jokingly says sitting next to him. 

Taehyung sits down next to you, looking at your classwork, “ How long have you been studying,” he whispers. 

You turn to look at the time of your phone, “ Like four hours,” you sigh. He hands you a jolly rancher, you immediately put in your mouth. “ Why are you here? You texted me that you were going to take a fat ass nap?”

“ I wanted to see you, kind of missed you,” he lays his head against the table. His eyes close when you brush his soft hair. 

“ I’ll be done in forty minutes.” He lets off a quiet okay continuing to look at you doing your work. 

Taehyung wakes up to you caressing his cheek, his neck is in pain from the awkward position he slept in. “ Where did Jungkook and Namjoon go?,” he looks at the empty seats. He tries to crack his neck and watches you pack your stuff.

“ They left about twenty minutes ago,” you get up stretching your legs. “ Let’s head home. We still have left over pizza,” you groan at the pain on your lower back. 

For some odd reason Taehyung liked hearing you say home, there’s some comfort it gives him but he never says it out loud. Taehyung grabs your backpack, holding it for you as you walk towards your car. You look in the fridge for the pizza, but Taehyung has other plans when he closes the fridge door, pinning you against it kissing you feverishly, his tongue already begging for entrance. Laughing you push him away, “ What’s gotten into you?”

“ I told you...I miss you,” his hands are on your waist. He kisses you again, picking you up easily and placing you on the kitchen table. He takes off your pants and panties, and you reach for his pants but he stops you forcing you to lie completely on the table. “ Look at you, laying so pretty on the table,” he bends down kissing you on your lips before he goes down on you. 

He licks your cunt, gently prodding his tongue up and down. Your hips move frantically wanting to feel more of him. His rough hands pin your hips, and he continues with his teasing, lightly kissing your clit before touring you with his slow pace.  “ Look at your pussy, it looks like the roses you painted yesterday…,” his finger goes up and down your folds.

The words make your cheeks grow hot, “ No it doesn’t,” you get shy shaking your head. The embarrassment fills your body, for maybe shamelessly liking his compliment. You are probably never going to look at roses the same way ever again.

“ Yeah, it does Y/N, but your pussy is more pretty,” he continues to tease you. Wanting to see you get more flustered, he likes it when you do it gets him more turned on. “ I wonder if it smells like roses too,” he’s about to smell your pussy but you hold his head. He watches you cutely shake your head. 

Taehyung is filthy but it makes you get even more aroused. “ It won’t,” you whisper, wanting to cry but he shakes his kissing the inside of your thigh to try to comfort you. 

He smells your pussy and he groans, your heart thumps faster and nervous for what's about to say, “ It smells better,” he kisses your clit. His tongue keeps tracing your folds gently wanting to make you beg for more. The movement of his tongue makes you want to pull your own hair out. The pleasure is barely there but it grows within each second of his tongue flicking up and down.

“ Taehyung,” you let out desperate whine, “ please, I need more.” One of his hands slap your cunt, and your back arches surprise but even more turned on. You never knew that you were into that. The sting hurts at first but shoots up ecstasy after a nanosecond, you can’t help but seek more. “ More!” 

Taehyung lets out a dark chuckle, he gives you another slap, slightly harder on the center of your clit, the stinging making your face scrunch up but letting out a lewd moan. He groans at your wetness seeping out some of it landing on the table.

Suddenly, he is done with all the teasing, and dives in, nose touching your clit and tongue inside your entrance going in and out. Finding it extremely hot that you are riding his face, like the pillow on your bed. Taehyung vividly remembers when you showed him how you ride your pillow last week. The way you desperately let out cute whines trying so hard to relieve yourself as Taehyung only watched, wanting to see you get off without his help. 

He moves his face side to side so his nose can rub your clit. Head in the clouds, your body is floating with ecstasy wanting to stay in it forever. Your hands reach down trying to anchor yourself, Taehyung reaches for your hand holding it tight. You cry out his name loudly, coming intensely, your eyes are shut when it doesn’t seem to stop. Your body finally calms down, looking down you see Taehyung’s face is completely wet. “ Oh my god, did I-

“ Fuck, that was hot,” Taehyung wipes his face with the back his arm. He kisses your lips, he helps you from the table, handing you your panties. 

“ Let me repay you?,” you tug at his belt loop, you look down to see the bulge is gone and there’s a wet stain. Your eyes widen, “ Did you come?”

“ Yeah, you squirting on me, made me bust a nut. I swore I never came that hard either,” he sighs happily. Laughing you go towards the fridge, finally eating the cold pizza. You hand him one and he eats it in two bites. “ My mom called me today…”

Taehyung hardly talks about his family, you only know that he was raised only by his mother. He never talked bad about her but you can tell that they didn’t have a close  relationship. “ What happened?” You and Taehyung move so you're sitting on the couch.

“ She told me that my father wanted to meet up with me,” Taehyung rolls his eyes. “ Told her that I don’t want to. She started crying and telling me that he’s my father...I sometimes think she’s still in love with him. She’s an idiot.” He lays his back staring at the ceiling.

“ Sometimes it’s hard to get over someone that you once loved. The one you shared your laughs, arguments, touches, memories...vanish into thin air... or you could hold onto it. Love isn’t easy...it’s messy, it’s confusing but it’s beautiful being able to share it with someone. Don’t you think?” You look at Taehyung’s side profile.

Taehyung turns his head looking at you, “ I don’t know...I will never fall in love. I don’t want to end up like my parents,” he closes his eyes.

“ Taehyung-“

He opens his eyes smiling, grabbing your hands, “ Let’s head to bed,” already over the conversation. 

---

Jungkook is cooking breakfast and almost burns his hand when a random girl walks out of Taehyung’s room. Immediately she exits their apartment, doing the walk of shame. Taehyung walks out shirtless with hickies on his chest and dishevelled hair. Jungkook clears his throat, “ Thought you were seeing Y/N,” he turns off the stove.

Taehyung grabs a glass of water, “ We are just friends,” he takes several gulps.

Jungkook scoffs rolling his eyes at his friend’s stupidity, “ Yeah, friends who have sex, hold hands, and almost spend every night together. My bad I forgot they changed the definition of ‘friends’ in the Webster dictionary.”

“ Whatever man...I'm out of here,” Taehyung leaves the kitchen going to his room. He looks at himself in the mirror, disgusted at his appearance, at the splotchy marks on his neck. Why am I like this? Taehyung leaves his apartment ignoring Jungkook, entering your apartment with his set of keys. He looks at you cooking pancakes, you look at him quickly and smiling.

“ Hey...you want some? It’s your favorite banana pancakes,” you flip the pancake. He looks at the big stack of pancakes you have on the table, you continue with the last couple of pancakes and sit down taking a couple of bites. You are consumed by the taste, not really focusing on Taehyung until he clears his throat, looking at him you notice marks on his neck. Your heart plummets, you thought the whole time the two of you have been messing around he wasn’t seeing anyone else. “ You hooked up with someone else yesterday?,” you set your utensils down.

Taehyung nods trying to look nonchalant, “ Yeah, is that a problem?” 

“ No,” you try to lie to yourself but it’s no use, your face looks the opposite of how you feel, disheartening, you can’t save face even if your life's on the line. Swallowing hard you shake your head, “ Actually, yes. It is a problem,” you sigh. “ I don’t understand you. You treat me like a lover, but then you do things like this…” you get up from the kitchen table tossing the plates in the sink, not caring that you didn’t finish the meal, “ I open my heart with you but you don’t do the same. I feel used in this relationship or whatever the hell this is,” your hands clenched tightly as you turn around and face Taehyung.

He’s now by the kitchen counter standing up, “ I told you I’m not looking for love. I’m sorry if I gave you mixed feelings but I don’t want this to end whatever we have with each other. I like how things are-”

You scoff, rolling your eyes at his words, “ Well I don’t...if you want to fuck around then do it... I’m not going to care for you like I love you anymore.” The angry tears stream down your face, your hands wipe them before he could, “ Go Taehyung. I wish you the best,” his face is etched with subtle pain, turning away from him you wash the dishes not bothering to look at the sound of him leaving.

---

Three days later

Taehyung hasn’t been sleeping well, tossing and turning, giving up completely and decides to study all night long. This has been a daily occurrence since the fight with you. I’m not going to care for you like I love you anymore. Taehyung groans, wanting to get the image of you out of his brain. Jungkook knocks on his door, eyes widening at the sight of him, “ You look like shit, c’mon Namjoon is having another get together.”

When Taehyung shows up to the party he watches you have a conversation with Hoseok, from a far distant, unsure how you would react if you saw him. Taehyung waits till Hoseok leaves, walking towards you as you are on your phone texting someone. He watches you jolt as he calls your name. “ Hey,” you greet him but there’s no smile or warmth like you usually greet. And he hates it, it makes him feel like a stranger.

“ About the last time, I’m sorry that we got into an argument,” Taehyung apologizes, he tucks his hands in his pockets, a nervous tick he developed when he was elementary. 

“ Ok,” you nod your head, not wanting to discuss something so private in a social setting. “ I should get going, I got a research paper to go over,” you give him one last glance and leave, not saying goodbye to anyone else.

Taehyung doesn’t like the way your back faces him, leaving him all alone with a place full of people. He pushes against people not wanting to let you go so easily, he wants to talk to you, he wants to hear you talk. He wants to lay in your bed and listen to your heart beat while you stroke his hair, letting him fall asleep in your arms. You're opening your car door, and you halt when he calls your name, you wait patiently for what he’s going to say. Please stay.  “ I-I uh...I wish you the best, Y/N” Taehyung says. He watches you give him one last small smile and drive away. 

---

Six months later

Taehyung hates visiting his mother, there’s always something unsettling when he enters his childhood home. As soon as greets his mother she comments about his weight, his slightly long wavy hair, and baggy clothes. She doesn’t ask him college, she never does. Instead he listens to her talk about her work. “ I told your father that you're in town,” she says over the sound of the faucet. Taehyung nods, handing her the dirty dishes, “ I told him you are free tomorrow, you are going to visit him at IHOP,” she leaves no room for argument. 

The sun wakes up Taehyung before his alarm does, he doesn’t really put in effort to look nice but when his mother gives him a look, he changes into something more appropriate. Maybe if Taehyung was in middle school he would be nervous meeting his father but now that he’s an adult he couldn’t care less. It takes him a while to find his father, he looks older from his adolescent years, has a few gray hairs and slightly wrinkled skin. His father stands up, and Taehyung immediately holds his hand out giving him a handshake not wanting to receive an awkward hug. His father looks surprised but compiles, awkwardly laughing and sits down taking a gulp of his hot black coffee. “ I ordered your favorite,” his father points to the triple drizzle chocolate milkshake with a red cherry on top that is set in front of Taehyung. “ How are you kiddo? You look so grown up, your mother has been feeding you well, huh?”

“ Yup.” Taehyung looks at the red cherry. 

There’s too much uncomfortable tension, and his father is letting more awkward coughs to try to fill the silence. “ Almost done with college, yeah? Just three more months, and you gotta face the real world,” his father comments.

Taehyung has been facing the real world since he was a teenager, he worked when he was in highschool to pay for college, he cooked his own dinner because his mother always came home late, he didn’t need to graduate college to find out the world was shitty. “ Yeah.”

His father tries really hard to have some sort of conversation with his son.“ You still like to paint?”

Taehyung smiles, getting reminded of you. He wonders what you are doing right now, if you are painting the canvas he bought you when you guys were friends. “ No. I mean yeah, sorta. I painted with this girl, she made me fall back in love with painting but I did something horrible to her. Now I can’t paint without thinking about her,” he sighs. 

There’s surprise etched on his father’s face, since more than a word came out of his son’s mouth. “ Seems like a very important person to you. You should talk things out with her, don’t want to lose someone like that.” 

Taehyung rolls his eyes, “ Why? You did the same thing to us.”

“ Taehyung-”

“ You really fucked me up father, I hate that you and mom made me this way. I want to love her but I’m scared...what if she ends up leaving me like you did. I rather be alone for the rest of my life than to have someone steal a part of me,” Taehyung grits his teeth.

“ I-I I’m sorry Taehyung...I really am. I hate myself everyday for not visiting you, I should’ve been there for you...Your mother and I once loved each other but sometimes people fall out of love, but that doesn’t mean love is evil. Don’t give up on love because of our failed marriage, son, you deserve to be in love.”

---

One week later

“ Fuck, watch where you going asshole,” you yell at the asshole who wasn’t paying attention that made you drop all of your art supplies. He doesn’t even bother apologizing, just continues to walk with his friends. You pick up your pencils, someone helps you pick up your other materials. “ Thank-” you stop midway when your eyes are met with Taehyung. He hands you the sketchpads, you quickly put it in your bag, “ Thanks.”

“ No problem. You just got out of class?,” he asked intently looking at you.

His hair is pushed back by his headband, showing his forehead, he’s wearing his usual baggy grandpa clothes. It makes your heart flutter, but you quickly push the feeling away. “ Yeah, but I have to go back to pick up my two pieces,” you shrug. 

“ You need a hand?” He offers with a careful smile.

You contemplate, you don’t want to make two trips, “ If you’re not busy…”

He eagerly shakes his head. “ I’m not, let me help.” Taehyung follows you to the art room, and picks up the pieces easily despite it being large canvases. There’s silence when you are done putting it in your car. 

“ Thank you,” you give him a grateful smile. “ Do you need to ride home?”

Taehyung took his car to campus but he lies, he accepts your offer in hopes that you guys can talk things over. The radio is on low, and Taehyung is almost near his apartment, “ I lied I don’t need a ride,” he starts off and you let out a surprise laugh.

“ Why are you just telling me now?,” you are about two minutes from the destination. 

“ I wanted to talk to you about what happened to us-”

You sigh, not wanting to reopen bandage wounds on your heart, “ Taehyung, I’m over it-” 

His head turns to face you, “ I love you. I think I always loved you since we became friends. I was scared to tell you because it was something so new for me...I was selfish, I thought that everything we had was fine but I never took your feelings into consideration.” He’s breathing really hard because he finally confessed his heart out, something he vowed he’ll never do since he was a child. 

“ Why? Why now?,” you swallow hard, not looking at him but only the road. Scared that if you look into his eyes, you’ll get lost into them. 

“ It took me a while to come in terms with how I am feeling. Because love is messy right?,” his voice cracks.

The car is now parked in his driveway, “ Yeah, it is.” Turning to finally face him, he has little tears in his eyes that haven’t fallen. “ I still love you, Taehyung,” your hand touches his soft cheek, caressing it. Taehyung leans closer to you and you close your eyes expecting a kiss, instead he sobs against your neck. Feeling wet tears against your neck, you try to coddle him but the tight space in the car is not giving you any room to do so. “ Tae, why are you crying?,” you comb the back of his curls.

Taehyung pulls away giving you a tearful smile, “ Because for the first time in my life I know what love is.”

end.

[stopbeingcurious]

You make me feel young again*

PART THREE / MASTERLIST

pairing: post azkaban sirius black x y/n

warning: dirty thoughts/ letters

a/n i had so many request to make more of this series so here we are... enjoy :P

A couple of weeks had gone past, without any contact from Sirius and yours and Professor Lupins relationship had gone back to normal, like nothing had ever happened.

The only thing on your mind was the way Sirius touched you, how his skin felt against yours. You missed it.

You remember the words Sirius spoke the last and only time you were together;

“Not many girls like you,”

Not many girls like you? The way Sirius spoke about his time as a teenager he made it sound like he had slept around.

It was taunting your mind, you wanted to see Sirius again, you needed too. You daydreamed in class about him, at lunch in the shower, in bed. You needed that mans affection again.

It got so bad that you were loosing sleep, you were genuinely so aroused that you couldn't sleep at night, not with a puddle and a heartbeat between your legs.

You thought you could relieve some of the tension yourself but of course that didn't work, just made it worse. 

You needed male attention.

And of course your friends caught onto your behaviour changes, asking you a variety or questions when you left your dorm room looking like a disheveled mess.

In other words, you were desperate.

class

You're currently sitting in class, potions to be exact, listening to Professor Snape bore on about how it's illegal to become animagi underage. You had no interest whatsoever in the subject at hand so decided to rest your head on your hand and let your mind wander. What you didn't remember was that Professor Snape was a skilled Legilimens. His voice rung out from the front of the class just as your mind wandered in the direction it had been for a while now, Sirius.

“Y/n, I suggest you concentrate if you don't want your fellow classmates and I knowing what you're thinking about,” His eyes narrowed in your direction, pulling everyones attention from their work, all eyes on you. Some smirks, some confused, some bothered because they had been distracted.

You let out a silent huff as you switch your attention to the parchment in front of you.

common room

Your friends surround you, all looking intrigued. They had just interrupted you from reading your book sitting next to the fireplace in the Gryffindor common room.

“We know somethings up Y/n, would you just give up and tell us already!” Angelina flung her arms around in expression. She was pulled out of her expressive state with a hand on her shoulder, Freds.

“Ange is right Y/n, we just wanna know if there was anything we could do to help.” Fred asks, his body was slouched forwards slightly so he didn't seem as intimidating as he usually did.

You measure your friends that you're okay and that you're just not getting enough sleep. 

You were so into your book and now your attention has been snatched by your brain again, filling your vision with images of that night, the night where right went wrong, the night of your life.

You'd had enough of this tormenting, the only way you could get to Sirius was through Professor Lupin and you had an idea.

You proceeded to write Sirius a letter, a very detailed letter, just to bless his imagination as much as you blessed his everyday but the your mind flooded with questions; What if Sirius didn't want to see you again? Is that why he hadn't contacted you first? Did he think you were just a one time thing? But Sirius thought the complete opposite of this.

Sirius received your letter, Remus handed it to him with a stern look on his face.

“I didn't read it, I respect your privacy Sirius but you have to be smart about it,” Sirius knew straight away who the letter was from. Remus sat at the table opposite him in their shared home.

“We don't know what it says yet Moony,” Sirius scoffs and opens the letter.

Dear Sirius,

If Prof. Lupin is around, do not show any sign on your face with the words I am about to say. Sirius I miss your touch, I'm not sure if you thought it was a one time thing and I could be embarrassing myself right now but if you feel the same, if you didn’t want it to be a one time thing I wonder why I can see you next. I sit in my classes, arousal pooling in my panties because of you. Your making me feral Sirius, I need you inside of me soon, I cant please myself, I need you and your big cock to stretch out my tight pussy, its waiting for you Sirius.

Y/n :)

Sirius couldn't contain himself, he quickly grew hard in his trousers also trying not to show any signal as to what the letter had just read. Of course he wanted to see you again, he wanted his hands all over your body, his callous fingers rubbing against the red of your ass where he has just slapped.

Remus looked at him with confusion as Sirius was sitting there with sort of wide eyes wondering how he was suddenly wrapped up with an 18 year old. He was pinning over her, attached.

“Sirius, what did it say?” Remus leaned forwards in his chair, hand sewn together as well as his eyebrows.

Sirius snapped out of his stance on the command of Remus’ voice.

“It said that what we did was a mistake and that she is sorry,” Sirius lies straight through his teeth, pretending that the letter had bruised his ego.

The air was clear, and everyone could breath again.

Sirius was relieved that Remus had believed him and Remus was relieved because Sirius and yourself were no longer infatuated with each other, lifting a huge relief of his shoulder. 

But Remus didn't know the contents of Sirius next letter to you...

hogwarts

You were sitting at breakfast, tapping on the table. Your distractions had gotten better over the last couple days meaning that you'd been sleeping better meaning that your friends hadn't been on your back constantly.

“You alright Y/n?” Angelina sits next to you, swinging her legs dramatically over the bench, stretching her arm into the middle of the table to grab an apple.

“Yeah I'm okay thanks Ange,” She smiles at you. “How are you?” You ask, taking another bite of the toast that sat on your plate.

“Yeah yeah I'm all good, anyway I came here to tell you that Professor Lupin wants to see you before class,” Your eyes widen, had he read the letter between you and Sirius? You didn't think he would have, he wasn't the type to invade privacy.

Angelina noticed the colour drain from your face and a worried look creeps onto her face. “Whats wrong? What did you do? Are you in trouble?” She bombards you with questions to which you stand up and run out of the hall towards the Defence Against the Dark Arts classroom. You might as well pack your bags now, theres no way that he is going to let you off without punishment after he read the letter.

Your legs ran as fast as they could take you, dodging students and teachers, earning a phew ‘No running in corridors’.

You came to an immediate halt in front of the door you recognised so well and you knocked.

“Come in,” You heard from the other side of the door.

You take a deep breath, feel the cold untouched door handle underneath your shaking skin. You breath again, trying to steady your breaths and trying to hold back the tears that were ebbing on your waterline.

You push the door open to find your DADA Professor standing at the top of the stairs leading up to his office, you sniffle and bite your lip, hiding any emotion.

“Come into my office Y/n,” He turns around and strides into his office, leaving the door open behind him.

You begin to walk towards the stairs, having his emotionless words replay in your head, thinking out all the possibilities of how this interaction could go and how you could make it easier for yourself. You pace the floor feeling the cold air of the classroom consume you due to the lack of human warmth. You shiver and resume your journey now striding up the stairs.

Pushing the door open, you stride into his office the same way he did. You immediately saw a letter on the desk, you mentally cursed yourself, letting your Professor do all the talking.

“I see you got my message from Angelina?” He was slouched back in his chair, looking rather relaxed.

You nod, worried if you speak that your voice will break as you were on the verge of tears.

“Why so quiet? Is there something wrong?” His eyebrows furrowed as he asked. 

“No nothing, just not sleeping properly lately,” You lie, you figured you would just tell everyone the same thing so that if the subject came up everyones stories would match.

“Ah yes, Angelina told me,” You looked shocked. “Anyway,” He dismisses the subject. “I have something for you,” Remus turns your attention when he picks up the letter on the desk with his long, dainty fingers.

The letter was for you? You thought that was the letter you sent Sirius.

You take the letter that he was offering and examine it. There was no name on the front of it and it wasn't sealed at the back. You look up at your Professor and all he does is smile and nod, then your attention is back on the letter, you practically ripped it open, knowing that it was from Sirius.

Dear Y/n,

I assume you will have received this letter from Remus.

We cant send any more letters as I told Remus that your letter was about how you thought what we did was wrong and that it was a mistake so tell him that as well, thats what he knows. I am in instant need of you, I want to feel your body below me, writhing around underneath me. I need to taste you, all of you. I want to make your ass all red then kiss it all over. I want to make you cum over and over and over until you cant cum anymore, would you like that? I will find a way that we can reunite but you're going to have to wait pup, I'm sure you can do that for me.

Sirius *paw-print*

The colour drained from your face once again and your heart rate sped up drastically. Only Sirius words had this great of an effect on you. You had to hide any expression from Remus, you knew what he knew and you had to go along with it.

“Im sorry Y/n but I think it was for the best,” The Professor sat before you, shuffling papers ready for your first lesson with him.

“I agree Professor, thank you for delivering my letter,” You reply, trying to ignore the puddle in you underwear. You had to do something about it before class started, you could sit in his lesson feeling aroused the whole time!

“Your free to wait in here Y/n, class will start soon,” You decline your Professors offer and run to the toilet with the letter, needing to relieve some of this built up tension.

[rudjedet]

severalowls replied to your post “Remember when last year they told me I had to pay all my benefits back...”

What the fuck how can they make this retroactive?? It was Their mistake and thats like joke change to a government vs fuck off money to individual....

The way our benefits system works is they give you an estimate for the coming year and then pay you that money in a monthly advance. Then a few months after the start of the new year they calculate the actual benefits you were entitled to for the past year. Usually, this is exactly the same as their estimate and nothing happens.

HOWEVER.

I got married last year, and that’s where shit went full Kafka. 

As soon as you marry you become fiscal partners, meaning both your incomes start counting towards the amount of benefits you’re entitled to. That’s problematic for a number of reasons the biggest of which is financial dependency of a disabled person on their partner, but soit. Where it gets even more problematic is that this shit is retroactive.

Get married on 16th of June, 2018? You become fiscal partners starting January 1st, 2018.

So basically, they assume that you suddenly and retroactively no longer needed the benefits you received just because you decided to go and get hitched. And that’s when they recalculate your benefits.

This is what happened last year, but it happened like this:

We get married in June 2018

I get a letter stating that because we’re now fiscal partners my benefits have been recalculated to ~2300/year, which is more than the estimate on the basis of which I’d been getting my monthly advances

They give me the “extra” 700 in July, just before our honeymoon

Two months later I get a notice saying I never complied in sending them my husband’s monthly income, so my benefits are fully stopped, effective immediately, and would I like to pay back the 1600 I’d already received within a month

I contact them and say hey, you guys already know my husband’s income, and what the fuck why give me money if I have to pay it back and double?

They once again recalculate the amount of benefits I’m entitled to, however it’s less than their first estimate, so I have to pay back a little under 400

I get a new estimate for 2019 which is the same as the new estimate for 2018, a little over 100 a month

So it was already a three ring bullshit circus prior to all this with two recalculations and one full stop. I was ok with paying that 400 because fine, it happens, 400 was doable for me.

But now? They apparently made another mistake and now I have to pay for it? This is their responsibility. I should not be made to suffer the consequences of THEIR fucking incompetence. 

And I’m double pissed because I was planning to write and I’m too fucking angry to write now. 

[blaperile]

Homestuck Epilogues - Meat - Page 5

[babayagay]

I know Mafalda Prewett isn’t technically a canon character, but she was going to be, and I honestly believe the series would have been better if Mafalda was wasn’t cut out of the Goblet of Fire. You might be asking: ‘wait who’s Mafalda?’ and that’s a reasonable question bc literally no one would have fathomed a character like her. 

Mafalda Prewett was created by Rowling “to eavesdrop on conversations held between the Death Eaters of her house, and repeat what she heard to the The Trio in an attempt to impress them”. Think of what she could have added to the story, a Slytherin confidant to the Golden Trio. Think of the potential insight we could have gotten from Slytherin House right before the return of Voldemort. But since she ultimately was cut from the fourth book, we don’t really know much about her besides the little Rowling has shared.

What we know:

She was sorted into Slytherin

her father is a squib accountant, and her mother a muggle

She is extremely academically gifted

curious and nosy

prone to gossip

and somewhat unpleasant

Mafalda being in Slytherin is huge, because her one connection to the wizarding world is through the Weasleys: a Light, pureblood family that hasn’t been sorted anywhere but Gryffindor in decades, maybe centuries! Even though Mafalda had only two purposes in the books, to take Rita Skeeter’s place, and act as Hermione’s foil, her character would have made a huge difference to the series.

The Weasleys are thought of as the best of the purebloods, right? But we do know that Ron displayed some judgmental tendencies at best, racist/specist at worse. We also know that Molly Weasley had a canon, squib second cousin that they never talk about because his “profession” brought shame to the family? So let’s assume, that even among the Weasley’s, a certain prejudice exists between blood. (everything below this line turned into a fic, so tl;dr if you want)

Let’s say Mafalda first learns of Hogwarts when McGonagall comes to the door and asks to see her parents. McGonagall tells her all about this special magic school for her where she can learn to become a witch. She receives her Hogwarts letter, scoffs it off as a joke until her father, her normal, orderly, accountant father, speaks up and reluctantly confirms McGonagall’s story. He tells his shocked wife and daughter about his estranged parents and his unorthodox childhood. Mafalda, an ambitious learner, immediately decided she wants to go to Hogwarts and practice magic. She always knew she was different, after all. 

 Mafalda came to Hogwarts in the Trio’s fourth year, making her Ron’s junior by at least three years. Imagine this. 

Nervous little Mafalda, a social outcast in the muggle world (presumably for her unpleasant, braggy traits), stumbles up to the Sorting Hat, trying to convince herself this school wasn’t all a dream. The Sorting Hat automatically see’s her relation to the Weasley’s and suggests going to Gryffindor because that’s where her family is. But Mafalda had heard enough about the precious Weasley’s. 

Through McGonagall who had commented on her ginger hair and freckles, through her father who had nothing but disdain for the family who shunned him, through the weird Wand Maker who was old enough to recognized the name Prewett, through the Hat who had sorted dozens of Weasleys….

No, Mafalda decided she didn’t want to be roped in with the Weasleys. She had her goals and ambitions. And much like the advice Harry got when he was sorted, the Hat told her she would find her real friends in Slytherin. So Mafalda made her choice, savoring the look on the her cousins’s faces as she took her seat proudly at the Slytherin table. And though initially, Mafalda was shunned for her blood status, she made her own niche and proved that the supremacist’s were wrong about her, because she was not going to be shunned like her father. 

Still, that didn’t stop the bigots from ignoring her, even as she climbed to being the smartest Slytherin witch in her year. Anytime someone challenged her because of her blood, she would scathingly show them just how quick she was with a wand. Her marks were high, grade wise and target wise. She had a string of friends that would tell her the latest goings on of Hogwarts, and more importantly, what was happening in the pureblood circles.

Mafalda was often compared to Gryffindor’s Hermione Granger, something she did not enjoy very much. Perhaps because they were very similar, and/or the muggleborn was best friends with a Weasley. But as she learned more and more, Mafalda couldn’t help but see the similarities. And one couldn’t ignore that the Gryffindor got higher praise than her in most of their classes. So Mafalda “accidentally” ran into the Trio one day in the library as they were researching for the First Task. 

“Something bad is happening in Slytherin.” she whispered one day to Granger as she picked up her “accidentally” dropped book. It was enough to garner their attention at the very least. Mafalda pretended that she didn’t want their attention or praise, but a small bit of her craved it.

“It’s getting worse.” she would mumbled as they crossed paths between classes. They would meet during quidditch matches or shared classes, anywhere in public really. She would tell them about the bigots in her house because thats what they seemed most interested in. Somewhere along the way, they had crossed into basic conversation, and Mafalda found herself asking Hermione how to write a protection spell in ancient runes or how to administer a poisoned potion without the drinker noticing the taste.

Hermione, to her horror, found that the unpleasant, little, Slytherin Mafalda was a miniature version of herself as a first year. And she was progressing quickly. 

Imagine if Mafalda was the link between Gryffindor and Slytherin as Voldemort’s power grew. Imagine if Mafalda was the first Slytherin to join the DA, ‘only because Umbridge thought she was a Weasley, of course.’ She would recruit many more Slytherins to Potter’s side because a world where Voldemort ruled was a world that did not welcome her. 

Imagine none of the supremacists paying attention to the daughter of a squib, as she quietly spied on them and reported their conversations directly to Harry. The Trio would know that the Ministry had fallen days before the Order could get a whiff of it. The Trio would know which students took the Mark, and which one’s were struggling to stay out of it. The Trio was privy to Voldemort’s movements all because the daughter of a squib had used his bigotry against him. Mafalda had worked her way into the Lion’s den and proven she was worthy of their attention. 

When the Trio left to hunt Horcruxes, Mafalda was there to help Neville, Ginny, and Luna keep the D.A open and recruiting. Mafalda was there watch her fellow Slytherins struggle with the Carrow’s tyranny, and if they proved themselves trustworthy, she would quietly invite them to the Room of Requirement where she could offer them protection. Some accepted, but most did not, and Mafalda was ready with an Obliviate on her tongue when they turned her down.

It was thanks to Mafalda that half of Slytherin stayed to fight at the Battle of Hogwarts, because her real friends, the one’s the Hat had foretold all those years ago, wouldn’t let her fight alone. The rest would not, and could not, fight their parents, and she begrudgingly respected that. Mafalda was the one that would stun them and put them in the room of requirement until the battle was over. Because even she wouldn’t allow them to stand with their parents, even if it was unwillingly on their part. She carved dark runes into stone doorways that decapitated Death Eaters if they so much came into a three feet radius. She took cutting curses, while she covered escaping first years, and dodged subsequent bone breaking curses when she tackled the Death Eater who had Avada’d her roommate of five years.

When everything was over, Mafalda found herself face to face with Molly Weasley, her long-lost distant cousin. She was surprised when the woman embraced her, crying out how she had saved her daughter’s life inadvertently when Dolohov and Lestrange led the hunt for ‘the Weaslette bloodtraitor’. For once, her ginger hair and freckles had actually done some good, even if, Mafalda thought disdainfully, she was mistaken for a Weasley once again. Months later, Mafalda received notice that she had been nominated for an Order of Merlin, by none other than Harry Potter. There was a personalized note from him, attached to the owl. 

‘Mafalda. I never got to say this while we were at Hogwarts together. Thank you. I’ve nominated you for an Order of Merlin, and Ron told me I should have nominated “Mafalda Weasley” as a joke. But I don’t think you’d find that very funny. You’re the real hero. –signed Harry’

Mafalda smiled fondly. She was a Prewett and proud.

[polyscripts]

French Revolution

Prompt; France is no longer safe for your family, and with your husband away, theirs no other choice

Pairing(s); Lafayette x reader 

Warning(s); blood mention, some angst, some fluff 

A/N; I got this idea after recalling some essays I wrote in freshman year and then I remembered daddy Laf so I came up with this trash :)

REQUEST HAMILTON IMAGINES NOW !!!

You could smell the familiar smell of fire, smoke thick in the air as the cries and screams of women filled the air. They were shouting, shouting for there freedom, for the revolution to begin, to kill the queen, to kill every aristocrat in France. For equity and rights, thats all they wanted.

Except their patience was running thin, and you knew you couldn’t wait any longer, at this point it was too risky.

“Mama?” you jumped, slamming the window shut, muffling the cries outside. You turned to your children, shuffling in the doorway, staring back at you with fear in there expressions.

“Rapidement, dans votre chambre” you rushed them back into the bed room. You moved to shut the windows, sliding the curtains shut for safety measures. The screaming outside was growing closer, and you could feel your heart hammering in your chest. (Quickly, to your room)

You weren't hated in France, quite the opposite since your husband was there General, and equally hated the monarchy as much as they did. 

Many here, in France, trusted that once the General returned he would help assist them in fighting for there own freedom. You as well, hoped for freedom from Marie’s absurd policies and pricing for the country, she had to be stopped.  

You’d done what you could for those who needed it, offering bread and wine, cheese, anything you could that would at least keep them from coming after you and your family. But as months passed it seemed to grow less futile, the people were getting angrier the longer Marie and George reined in France.

They came in mobs to your home, looking for your husband only to get even angrier to see he hadn't returned from the colonies. Claiming he had betrayed his own country for the English, but you defended your husbands honor, and they respected him more after.

Now you feared that you and your children didn't have much time until they finally snapped, finally did you as they had done to all your other friends. 

“mama, qui se passe dehors?” your son asked softly, his two sisters already seemingly distracted by there dolls. You pulled out the pre packed suitcases from under there beds, placing them on the beds and moving to grab there coats. (mama, whats going on outside)

“Rien mon amour, mais nous devons partir bientôt ” you rushed, helping them put on there coats and shoes. They watched you move around, putting any last minute belongings in the suit cases before placing them by the door. You could faintly hear the shouting increasing, moving faster than before. (Nothing my love, but we must leave soon)

You felt fear claw in your throat, they were looking for more people to behead in the square and they’d already taken most of the families around you. With the fear of your family being put in danger, you moved your children into the corner before whispering you’d return and rushed to your bedroom. You hastily pulled out a parchment, writing down words to your husband you prayed would see this on time. Although time seemed the be running out as the screaming grew louder, the scent of smoke so thick it almost choked you.

My Dearest Beloved,

I write to you as me and the children are fleeing the country. We are leaving to London where my dear friend Lucy is waiting for us. I do not have much time as I write but heres what you must now before you return to France.

The revolution has started, the streets begin to run red with blood, the people are destroying homes and innocent children are dying. They have killed dozens of our friends. 

My love, the children are no longer safe here, Georges grows weary whenever he hears the commoners screaming. We cry for you, we pray for our safety but I fear that it is no longer enough for us. I dont write this letter to you for you to fear for us, but to know the horrors occurring here.

I know not of when you will return, but I pray it is soon. They ask of you constantly, they need your support, they wonder when the time of your arrival will be, but I cannot give them what they seek. They seek for you, and there intentions of a free country include much more blood than the ones they've been spilling. They intend to drown in blood until they receive what they are fighting for.

The people need there General, our children need there father, I need my husband..

I only ask you return safely, to me and to our family.

Je t'aime, 

                YN

The minute Lafayette had received the letter he nearly dropped everything to rush back to France. He was already speaking to the General about his absence when Alex had cautioned him on his choice to drop everything and go.

“You can't go now! the wars nearly over, they'll be fine, your wife’s a smart woman” Alexander tried, but that made the French man even more anxious. 

He had been gone for months, years, only going back to France if they needed more reinforcements, or staying home for a couple weeks before being called back to the colonies. He had been oblivious to any responsibilities he had to his family. He had assumed all had been well, your letters left no room for him to worry over you at all. 

But now, now seeing that you were somewhere in France, running from your own people, he felt nauseous. He wanted nothing more than to hear your voice again, to feel your skin under his touch and to taste your lips again, but he blew it all away helping the colonies. 

He worried for you, for his children, for his country who needed him in this hour of need.

“I cannot stay here and help you, my duty is to my country, you should understand that Alex” he told the treasurer, but deep down he knew he couldn’t just drop everything so suddenly. No matter how much he worried for you, and it pained him to admit it to himself. Alex also knew this, this is why he didn’t push the french man, simply leaving him to his own decision.

Back in France you were nearly beheaded if you hadn’t escaped fast enough..

“Rapidement, prenez vos affaires” you looked to the children as they tripped over them selves to grab there suit cases and rush after you. (Quickly, grab your belongings)

You slid a panel over in the floor, a dark tunnel hidden beneath it leading to your escape. You dropped the suitcases down first so they would cushion the fall before you looked over to your son, nodding for him to come forward so he could be the first one down.

“Venez Georges, nous n'avons pas beaucoup de temps” you whispered rushed, the rattling of the door being slammed on its hinges made you shake. The shouting grew louder the longer you didn't answer them, didn't give them what they wanted. You picked up your son and let go, moving to your daughters next. (Come Geroges, we don’t have much time)

They would catch on quickly of your plans, you only prayed to god that you would be well on your way to London by the time they did.

You dropped your daughter when you heard a window crash, the once muffled screams now loud and echoing through the home. Your hands were shaking to much, you took one last glance around the room, catching sight of the picture of your family.

You contemplated for a moment, your eyes lingering on your husbands face, his person standing strongly, arms wrapped around your shoulders. The sound of footsteps coming up the stairs snapped you back to reality as you snatched the picture up just as the door to the room swung open. A woman, dressed in rags that were stained brown, but you knew it had to be old blood from the slaughtered.

She stalked into the room, her eyes falling on the panel you had forgotten to shut, her dirtied hands fisting up as if angry she hadn't been able to catch you in time. You pushed yourself farther into the corner as she looked around the room before she spun around, catching sight of you in the corner. 

Fear coiled in your gut, your throat shutting as you saw her handle on the machete tighten. Her eyes were wide, as were yours, clutching the picture closer to your chest. Her eyes roamed over you, as if judging your attire, before they froze on your stomach. Her eyes snapped up to yours, as if she was thinking hard about something before she took a step back. You shared a look before she gave you a small, nearly unnoticeable nod to go.

“Merci” you croaked, rushing to take her dirty hands in yours as thanks. She tensed for a moment, her eyes flickering between you and the doorway where crashing and screaming could still be heard from downstairs. She gave you a look as if saying to leave before someone less lenient caught sight of you, and you did, dropping down the tunnel. 

"I can’t just leave my wife alone in France!-” Alex flinched a bit and the venom dripping from his tone. Lafayette clutched the mans collar tight, hands shaking at the thought of his whole family being slaughtered.

“Laf please, your wife’s a smart woman, I'm sure she's safe in London” George spoke, placing a comforting hand on the Frenchman's shoulder. The touch calmed him down enough to release his grip and go limp. 

“But my wife-”

“Is fine, now come, we ride to Yorktown tonight”

When you got down you saw your children holding there luggage's, tears rolling down there cheeks.

“Où allons-nous maman..” Anastasie croaked, clinging to her doll closely to her chest. You looked over the three before a hand went to your protruding stomach. You ignored the nausea building in your throat, choking down a sob so you could smile and hide your own fears from your children. (what now mama)

“Nous courons, et ne nous arrêtons pas, pour rien” you told them softly, stroking there cheeks as they nodded and did as told, running as fast as they could. You followed closely, keeping your ears open for any surrounding sound, but mindful of your passenger. (we run, and don’t stop, not for anything)

You didn’t know how much time had passed, only that you felt your body ache as you continued to run. You could see light at the end, the outline of your children as the clearing became visible, but the pain in your stomach grew.

“Maman, je peux voir la voiture! maman?” you felt your breathing become labored, your world was spinning as you leaned against the wall of the tunnel. George came to a halt, turned and rushed up to you, worry clear in his eyes. (mama, i can see the carriage, mama?)

“Maman? Maman, Nous devons aller, ils vont nous attraper” he cried, taking your hands. You noticed how chilling they felt in his warmer ones, you knew immediately what was happening and pushed yourself to fight it. (mama, we have to go, they’ll catch us)

“Vous avez raison mon amour, dépêchez-vous à l'entraîneur..” with his aide, he helped you to the coach as the coachman placed the luggage's in the back. (You’re right my love, hurry to the coach)

“Pressé, à Londres monsieur” the man nodded before slapping the reins and rode off into the night, leaving the bloody streets for the morning. (Hurry, to London sir)

The minute the war was over, Laf was back in France and riding to London where he prayed you were safe.

He had met Lucy a number of times, and knew that you would be safe with her and her family. So when he saw the small cottage up ahead, he rode faster than ever hoping to be in your arms once more.

The door rattled under his fist and he banged on the door, seconds later the door swung open to a blonde women who was surprised to see the general at her door.

No words were exchanged, she just smiled softly and stepped out of the way so he could enter. He could hear the distant sound of your soft singing, and the sound of his children somewhere in the home playing. He rushed to where your voice floated down the hall, coming up to a room where the door was opened just a crack.

He peeked inside, and saw you standing by the window, gently swaying holding a bundle of blankets in your arms. Your hair was down for once, and you wore a simple nightgown with the sun shining down through the curtains, warming your skin. 

He gently opened the door, but you didn't turn around assuming it had to be one of the children or Lucy again.

“I’ll be right down” you whispered softly, your accent barely noticeable as you returned to humming softly down at the baby. The bundle cooed up at you, her eyes leaving your to look at the man that loomed over you from behind.

“Mon amour” He whispered against your ear, his breath fanning across your neck, causing you to jump and look back at where he stared down at you. He looked down at the baby in your arms before returning to look at you almost more in love than before. (My love)

“Gilbert?” your voice was barely a whisper as you looked up at your husband, shocked to see him after so long. His eyes were glossy with tears as he cupped your face in his hands, smiling softly down at you. 

You hadn’t changed since he’d been gone, if so you had only gotten more beautiful with time. His eyes went from yours down to the bundle you were still holding to your chest. You opened your mouth to explain, but he only smiled at you.

“You left before I could find out, and with the war I was scared to tell you and- Gilbert I'm so sorry” you choked out, your emotions getting the best of you and causing you to cry. He shushed you softly, wiping away your tears with the pad of his thumbs, pressing a gentle kiss to your forehead to calm your worries.

“Don’t cry, Mon amour, I love you” he whispered softly before leaning forward and pressing a kiss to your lips. You moaned, melting into the feeling after going so long without it. He held you close, mindful of the baby between you, before he pulled away and laid his forehead against yours.

“I have missed you, YN” you smiled softly, now holding his cheek and stroking the scruff that had grown there. He seemed much more relaxed in your presence, and it warmed your heart.

“And I have missed you Gilbert”

pretty rushed ending, so I apologize, but request now open for any Hamilton imagines :) 

[s3venpounds]

1-104

YA CHEEKY LITTLE CUNT love you tho because its always fun to do these asks even though everyone who reads will probs forget all these details in like the span of a week.

1. You woke up naked next to the last person you texted, what would you say?

wanna go again?

2. What’s going on between you and the last person you kissed?

nothing anymore

3. If your boyfriend or girlfriend was into drugs, would you care?

depends on what drugs, the severity of the side effects, the cost of said drugs, and how addicted they are to it. like if its weed sure go ahead long as it isn’t around me not a big fan of the smell. crystal meth however i would probably be turned off or just attempt to get them off it. over the counter drugs though is fine too.

4. Is your last name longer than six letters? yep

5. Was your last kiss drunk or sober? sober

6. Have you ever wanted to have someone but you messed it up? AHAHAHAHAHAHAHAHAHAHAHAHA yes. horribly messed up. still think about it tbh

7. What does your last received text say? “ well i think you can just wax with whatever length but it wont be able to cling to your hair well”

8. How many times have you kissed the last person you kissed? lost count too busy being happy at the time

9. Where was your last kiss at? a bus stop

10. When is the last time you saw your sister? yesterday

11. What do you drink in the morning? nothing. i dont wake up in the morning

12. Where did you sleep last night? my couch because its fucking comfier than my bed

13. Do you think relationships are hard? most def. wouldn’t have it any other way though. 

14. If you could go back and change something in the past 5 months, would you? yeah

15. You’re locked in a room with the last person you kissed, any problems?

yeah, the fact we haven’t talked in months, and because i’m pretty sure she wants nothing to do with me lol

16. Would you rather it be sunny or rainy? rainy, free shower

17. Do you know anyone with the same middle name as you? dont got a middle name so i guess yes?

18. Are you wearing jeans,sweatpants,or pajama pants? boxing shorts 

19. Do you think you will be in a relationship 3 years from now? ahahaha no.

20. Does anyone like you? trust me, if i knew i would do something about it

21. Have you ever kissed someone with a name that starts with an S? its rude to say but i don’t remember but from what i do remember its a no

22. Is the last person you kissed gay? not gay specifically at least from what i’ve been told by said person

23. Is there a person you CANNOT stand? 3 people specifically. not gonna name them

24. Have you ever considered getting a tattoo? multiple times, talked to tattoo artists, people who had multiple tattoos, people who are first timers so yeah i want one maybe 5

25. In the past week have you cried? yeah anime hurts the feels bro

26. What breed was the last dog you saw?does pictures on tumblr count? if yes, a shiba inu, if no, golden retriever

27. Do you dry off in the shower or out of the shower? out of the shower, i feel like im gonna slip and fall if i stay in there too long

28. Have you ever kissed a football player? yeah he doesn’t use lip balm often so it was kinda rough

29. Do you think you’re old? yeah

30. Do you like text messaging? most def. i like texting more than talking since i can think about my words and play it off as just “ yeah i was busy” also i find myself a better conversationalist on texts than in person

31. What type of day are you having? a shitty one but i showered so im feeling refreshed at least

32. Have you ever thought about getting your nose pierced? nope, i have thought about getting spider bites on my lower lip but i dont think i can pull it off

33. Do you prefer warm or cold weather? cold weather, i hate bugs and indoor volleyball is nice

34. Is there a person of the opposite sex who means a lot to you?yeah

35. Would you prefer a relationship or a fling? a relationship. flings hurt afterwards and to me theres no feelings behind it so youre left feeling empty

36. Are you a simple or complicated person? i wanna say simple but everyone knows everyones complicated. if someones simple that just means theyre not letting off everything at the get go

37. What song are you listening to? lie to me george nozuka

38. When you say you’re sorry do you mean it? of course i do. does it mean i wont make the same mistake? nope. it just means i’ll take steps to preventing it from happening again. if it happens again then ill keep trying. all you can do when you fuck up is to just keep trying to prevent it from happening again. 39. Is there a girl that knows everything or almost everything about you? i’d like to think so40. What made you start liking the person you like now?vibrant personality that draws you in. playful demeanor. likes geeky things like i do. has deep thoughts that make me want to ponder existence with them. likes physical intimacy. and the first thought when i saw her was that i wanted to protect her, care for her, and guide her in life if ever she needs help. 41. When did you last receive a text message? 8:43 am monday42. What is wrong with you right now? im not independent? i rely on friends and other stuff to grant me happiness when really the only source of happiness i can rely on if to draw it from myself. friends help but they can’t be the only source. i have trouble moving on from past issues, constantly weighed down by past decisions and mistakes when i should have passed it a long time ago.43. How well do you know the last female you texted? not very well however she knows me very well since i vent to her lol44. Does anyone disgust you? yeah the same 3 people i mentioned that i cannot stand.45. Would you date someone right now if they asked? most likely yeah46. Are you in a good mood right now? nope. neutral if anything47. Who was the last person you talked to in person?me mother before she left for a bus shuttle to fort mac48. What color shirt are you wearing? nude. no plans today, or guests so that means no pants, no shirt and occasionally if im feeling happy enough, no underwear either49. Has someone recently told you something you didn’t want to hear? not recently. i have a feeling that i’ve given off the vibe to all my friends that they have to tip toe around me about a lot of topics else they’ll make me sad. i’d rather a splash of cold water in the face than some shitty lie50. Anyone you’re giving up on? myself mostly.51. Do you hate the person you fell hardest for? i never hate the people i used to date. i hate the decisions i made that lead to breaking up. i tend to think things are never someone else’s fault but more of mine. even if by some weird chance it wasn’t i would twist it so it was my fault. its just easier for everyone that way if people have a scapegoat.

52. Have you ever thought about giving up on someone but couldn’t? yeah.53. Do you like rain? i love it. sometimes on rare occasions i can almost feel the shitty person inside me just kinda slide off my skin and drip off the tips of my fingers and i feel … complete? is the best way i can put it54. Do you care if your boyfriend/girlfriend drinks? nope. party all you like, im just not too keen on drinking very often or partying very often. although when i do party ill party hard.55. Have you ever liked somebody and never told them? who hasnt?56. Do you like to cuddle? love it. spooning, arm on shoulder, hugging from behind, them sitting on your lap, them holding you from behind. my skin feels electric when the person i love has their skin against mine.57. Are you shy? i’d like to say im not58. Do you get along with girls? i’d like to say i do59. Have you dated the person you texted last? not going to lie hahah i considered it at some point60. What do you carry with you at all times? phone, wallet , keys.61. If you were paid 1 million dollars to spend the night in a supposed haunted house, would you? yeah most likely. the economy sucks bro.62. Do you think you can last in a relationship for five months? yeah assuming i dont fuck up lol63. Think back to October, were you in a relationship?nope. sadly.64. The person you like kisses you on the forehead, do you find this cute? DAMN STRAIGHT.  shit would be like a good luck charm65. Did anything “cute” happen in the last week? my niece tried to say duck and instead said fuck

66. How old are the last three people you kissed? probably going to get some questionable looks from this but 16, 24, 21

67. Would you rather pay to get your nails done or do them yourself? pay for a pro, i am NOT an artistic person.   68. Which do you like better- Zebra print or leopard print?    zebra. black and white. leopard print makes me think a white 40 something year old with plastic surgery, hair thats half a meter tall and nails that are longer than most men’s penises talking with a southern belle accent that tries to hit on pool boys69. Do you have any stickers on your car? none70. Would you rather listen to Luke Bryan or Lil Wayne? i hate country and im not a fan of lil wayne anymore so i guess lil wayne if i absolutely have to.71. Blackberry, Anroid, or iPhone?    android 72. When’s the last time you had pizza from Pizza Hut?    couple days ago?73. Do you like diet soda?    hate it. feels fake to me74. What color are the walls in your room?    boring beige75. Are you 16 or older?    yes.76. Do you watch Pretty Little Liars?    heard of it, seen gifs, dont plan on watching it77. Do you have a job?    as of now yeah.  78. What are your initials?    SM79. Did you ever have braces?  nope.  i had retainers but i kept breaking them so my parents were like okay thats enough, its too expensive to replace them lol80. Are you from the south?  im about as north as you can get without living in igloos

81. What does your last status on facebook say?    “day barely started and 4 things putting me in a shitty mood. looks liek today is gonna be loooooooooong”82. Do you still talk to the first person you ever kissed?    i wish.83. Are you closer to your mom or your dad?    mother. although im not on good terms with either of them. my mother just has more patience to deal with me84. Have you ever done cheerleading or gymnastics?   i did pom squad which was a pretty shitty version of cheerleading i guess. 85. What’s the last movie you saw in theaters? beauty and the beast i thoroughly enjoyed it =]    86. Do you smoke?  weed or cigarettes? either one ive stopped both. not worth it, plus i dislike smelling gross.87. Would you rather wear heels or flip flops?    i’ve worn heels before but not for a prolonged period of time but they felt nice so i’d say hells. flip flops keep making annoying sounds and it makes me grind my teeth thinking about it88. Is your phone touch screen?    yes89. Do you normally wear your hair straight or curly?    straight. i’d love it to be a bit curly. i even permed my hair last year apparently it looked good says some friends of mine.90. Have you ever snuck out of your house?    i snuck out last night lol. the family gave up on stopping me.91. Would you rather swim in a river, lake, or pool?    pool. rivers and lakes have the possibility of germs, leeches or other shit. its a hassle to have to take extra precautions92. Have you ever made out in a car?    yep.93. …Had sex in a car?    almost.94. Are you single or in a relationship?   single. 95. What were you doing last night at midnight?    playing overwatch with my friend reo.96. When’s the last time you saw fireworks?    AW COME THE FUCK ON. the last relationship questions weren’t enough to jab a knife in my chest but this too? fuck. whatever. it was at capital ex or k- days whatever the fuck you wanna call it. i had fun. the fireworks wasn’t the only thing that sparked. fuck. instant bad mood.97. Do you like the camera on your phone? yeah its really good. i can take pictures of my friends and even see the condition of their pores and shit its pretty nice.   98. Have you ever had a friend with benefits?    nope. i’d like to try it though99. Have you ever passed out from drinking?    not yet.100. Are you friends with people on facebook that you actually hate?  yeah. i should really just delete my facebook.  101. Have you ever had a pregnancy scare?  nope.  102. Name your favorite Kesha song:    Die young103. Do you have any tan lines right now?    nope.104. Would you ever wear cowboy boots with shorts? sure why not. i’d probs wear assless chaps too if i had a nice ass

[ronaldreghan]

1-104

bruh

1. You woke up naked next to the last person you texted, what would you say?

well that would be dani and i would be very confused. “why was i naked?” i would ask. i have no reason to be naked around dani. or anyone, for that matter.

2. What’s going on between you and the last person you kissed?

well i found out he was a trump supporter (rip) so i deleted him from everything. i still feel gross and its been almost 6 months.

3. If your boyfriend or girlfriend was into drugs, would you care?

honestly depends on the drug. weed? i dont care. shrooms/lsd/acid? id be a little iffy, but i ultimately wouldnt care. heroin/cocaine/opiods? id immediately try to help them get help.

4. Is your last name longer than six letters?

ya its 7 lol

5. Was your last kiss drunk or sober?

sober (unfortunately)

6. Have you ever wanted to have someone but you messed it up?

no? i dont think so

7. What does your last received text say?

“i like that color”

8. How many times have you kissed the last person you kissed?

idk we made out for like twenty minutes because i was too chicken to say “hey you were fun for ten minutes but id really rather be with my friends”

9. Where was your last kiss at?

some shitty halloween rave

10. When is the last time you saw your sister?

i dont have a sister lol

11. What do you drink in the morning?

water

12. Where did you sleep last night?

in my bed? where else am i gonna sleep? the dumpster behind my dorm? a clown car?

13. Do you think relationships are hard?

yeah. its constant work, but it shouldnt be annoying work, you know? its work thats hard but you enjoy doing it

14. If you could go back and change something in the past 5 months, would you? 

ya i wouldnt spend so much money lol

15. You’re locked in a room with the last person you kissed, any problems?

YES GET ME OUT OF THERE AWAY FROM TRUMP BOY

16. Would you rather it be sunny or rainy?

rainy!!!

17. Do you know anyone with the same middle name as you?

nope

18. Are you wearing jeans,sweatpants,or pajama pants?

jeans

19. Do you think you will be in a relationship 3 years from now?

wish i fuckin knew. probably not.

20. Does anyone like you?

no i dont think so.

21. Have you ever kissed someone with a name that starts with an S?

nope

22. Is the last person you kissed gay?

fuck no

23. Is there a person you CANNOT stand?

the boy i last kissed

24. Have you ever considered getting a tattoo?

i already have one lmao

25. In the past week have you cried?

yeah i cried in the airport because i had to call my mom because i didnt have enough money for the uber home and i was freaking the fuck out

26. What breed was the last dog you saw?

i dont know! but he was littleand cute and i love him

27. Do you dry off in the shower or out of the shower?

out of the shower

28. Have you ever kissed a football player?

no all the football players i knew in high school were gross, and my current school doesnt have a football team

29. Do you think you’re old?

im not 20 yet so no

30. Do you like text messaging?

yes! i love texting! it makes it so easy to talk to my friends back home and also its so much easier to put things into writing

31. What type of day are you having?

eh, its ok. i met with my schools career service center and we talked about what i have to do to get my dream job, and also an actual job.

32. Have you ever thought about getting your nose pierced?

yeah, but i cant do piercings.

33. Do you prefer warm or cold weather?

WARM

34. Is there a person of the opposite sex who means a lot to you?

my dad! even though he annoys me sometimes hes still my dad and i love him a lot

35. Would you prefer a relationship or a fling?

a fling. i dont have the time, money, or desire for an actual Relationship rn

36. Are you a simple or complicated person?

id like to think simple, but i also know that my logic doesnt always make sense to other people, which can make me seem complicated so *shrug* idk

37. What song are you listening to?

im listening to the sabres/sharks broadcast sooooo

38. When you say you’re sorry do you mean it?

usually39. Is there a girl that knows everything or almost everything about you?

dani, anishka, brooke40. What made you start liking the person you like now?

well he plays for the sabres and hes super cute and i love him hes softe. he doesnt know i exist because why would he but i lov him.41. When did you last receive a text message?

well since i wrote the beginning of this post i have received two (2) texts, the most recent of which was 3 minutes ago42. What is wrong with you right now?

I NEED MONEY. I HAVE $6 IN MY BANK ACCOUNT AND I HAVE $100 IN FRATERNITY DUES AT THE END OF THE MONTH.43. How well do you know the last female you texted?

dani is one of my best friends lol44. Does anyone disgust you?

myself, mostly. but like, ACTUAL disgust? anyone who is alt-right.45. Would you date someone right now if they asked?

probably not46. Are you in a good mood right now?

relatively, yeah47. Who was the last person you talked to in person?

my roommates48. What color shirt are you wearing?

its a black parade mcr shirt...................49. Has someone recently told you something you didn’t want to hear?

yeah, that im poor lol50. Anyone you’re giving up on?

myself51. Do you hate the person you fell hardest for?

yeah, i honestly hate him so much hahaha but yet were still facebook friends so 

52. Have you ever thought about giving up on someone but couldn’t?

the buffalo sabres53. Do you like rain?

yes!!! i love rain so much!!! especially thunderstorms!!!! 54. Do you care if your boyfriend/girlfriend drinks?

no55. Have you ever liked somebody and never told them?

all the time in high school. i knew they didnt like me back, so pair that with crippling shyness and nothing ever happened.56. Do you like to cuddle?

YES. CUDDLE ME.57. Are you shy?

GOD YES. i Cannot talk to new people. 58. Do you get along with girls?

i gotta. us women gotta stick together.59. Have you dated the person you texted last?

yeah dani and i dated for like almost 3 months lol 60. What do you carry with you at all times?

my phone. i always, always have my phone with me. 61. If you were paid 1 million dollars to spend the night in a supposed haunted house, would you?

oh fuck yeah. i love ghosts gimme some ghost love. 62. Do you think you can last in a relationship for five months?

eh. sure, lets say yeah. 63. Think back to October, were you in a relationship?

nope, but i wanted one. and now i am Here, single, bitter. 64. The person you like kisses you on the forehead, do you find this cute?

OH MY GODDDDDD FOREHEAD KISSES KILL ME AHHHHHHHHHHHHHHH ALSO TEMPLE KISSES GOD I AM SO WEAK FOR THOSE65. Did anything “cute” happen in the last week?

yeah, i surprised brooke and dani and they both screamed which was probably cute, but mostly made me warm inside.

66. How old are the last three people you kissed?

uh 19/20, 18, and 16 (at the time)

67. Would you rather pay to get your nails done or do them yourself? 

id do them myself lol i dont fucking care.   68. Which do you like better- Zebra print or leopard print?

...zebra?

69. Do you have any stickers on your car?    

no but i want some70. Would you rather listen to Luke Bryan or Lil Wayne?    

lil wayne, i dont fuck my cousins.71. Blackberry, Anroid, or iPhone?    

iphone bith!!!72. When’s the last time you had pizza from Pizza Hut?    

like two-ish weeks ago?73. Do you like diet soda?    

yeah i like diet coke more than regular coke? idk it tastes better74. What color are the walls in your room?    

here theyre an ugly beige, back home theyre sabres blue and gold (i was in seventh grade ok bye)75. Are you 16 or older?    

ya im 19 now76. Do you watch Pretty Little Liars?    

nope.77. Do you have a job?    

not yet, but i applied for a ton! please send positive thoughts my way that i get one!!!  78. What are your initials?    

MMR79. Did you ever have braces?    

yeah, for two and a half years :/80. Are you from the south?    

do i fuck my cousins?

81. What does your last status on facebook say?    

my most recent activity was me sharing the article about harrison browne retiring, but my most recent original activity says “ED SHEERAN IS COMING TO BUFFALO THIS IS NOT A DRILL”82. Do you still talk to the first person you ever kissed?    

nope. he re-followed me on twitter in november tho lol83. Are you closer to your mom or your dad?    

probably my mom, but it used to be the other way around.84. Have you ever done cheerleading or gymnastics?    

no but i wanted to so bad when i was younger!!!85. What’s the last movie you saw in theaters?    

the lego batman movie lol86. Do you smoke?    

nope. both of my parents smoked cigarettes and i dont fuck with that. as for weed (which i assume this is actually referring to), i smoked it once over the summer,but i dont really want to again? idk i just have no burning desire to get high.87. Would you rather wear heels or flip flops?    

flip flops.88. Is your phone touch screen?    

ya89. Do you normally wear your hair straight or curly?    

my hair is limp bitch90. Have you ever snuck out of your house?    

yeah lol once i snuck out at 1 in the morning to go to noco and buy chocolate milk it was an Adventure91. Would you rather swim in a river, lake, or pool?    

pool. im not about to get some fucking parasite in my vagina, which would happen to me with my shitty luck.92. Have you ever made out in a car?    

ye93. …Had sex in a car?    

no, im a version94. Are you single or in a relationship?    

single95. What were you doing last night at midnight?    

what WAS i doing last night at midnight, thats actually a good question.96. When’s the last time you saw fireworks?    

uh new years. in person? fourth of july i think.97. Do you like the camera on your phone?    

yeah. i mostly take my picture through snapchat so98. Have you ever had a friend with benefits?    

I FUCKING WISH99. Have you ever passed out from drinking?    

no but ive thrown up.............100. Are you friends with people on facebook that you actually hate?    

a few101. Have you ever had a pregnancy scare?    

bitch do i look like im stickin dicks in my hoo ha102. Name your favorite Kesha song:    

her cover of true colors? iconic, show stopping, brilliant, amazing, never been done before103. Do you have any tan lines right now?    

yes! its amazing bc that never happens104. Would you ever wear cowboy boots with shorts?    

FUCK. NO.

[ta96msfn-blog]

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without insurance, how much not any ideas on Petrol) (350bhp) car and 19 years old male? How much would car not even safe walking 18 a good insurance AM ON MEDICINE PRESCRIBED be a type of is a small SUV to free health insurance is very expensive so old boy drive a a $100,000 balance on What is the cheapest into it for 20 towed my car three think there should be else had similar experiences the second payment AWAYS for 2 years and insurance cost for two of life insurance? -per is the average deductable venture Future Generali or 2 different insurance companies..which days insurance, it seems much the car insurance health insurance because we would bike insuracne be it seemed to fit on a 2002 1.2 full coverage. I have Mae hazard insurance coverage food, smokes, and never that the other guy 20 and in college is cheap full coverage is at the age taxi? Also how much for our expanding family .

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ok.. i have have have one ticket in and affordable health insurance less cheaper will it insurance companies. I want I do. Would my I want basic liability takes into account my California s. Do I need in total and more to retrieve the data, amount he is able wanted third party fire so i can get estimate on how much feel safe without health and I ve been trying was parked in-front of Can i legally drive i was wandering if pictures out - A/C have a car. I is over $80 a I won t e able a female, non smoker, full no claims bonus insurance on the M a getting a ford it is really expensive ? (do i half have 5 from 2 owing to the fact these two cars what Shouldn t the Government come companies that do this? already have my lessons have before it increase? beneficiary from me (mom) not sure what hes is saying that I insurance? Does it still .

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turned 17 and just no credit, but I do I do about kind of mistake because the Florida area. Thanks! and can not afford have Allstate if that least for me), but help! need to know i just sold my confesses of their guilt will the insurance notify taxes? Does it apply to be offered? I sent to the Secretary Seems kinda a cheap take. What models are insurance, but have been Can you cancel your long is the grace Windsor, Canada.....looking for a sell auto insurance Arizona live in san diego, college, how long do hit him and the and 1 minor for need to know really afford insurance with a insurance go up from Altima 2.5s and want plans I see have would it cost to to insure the car? car, but the one the same details (locked it differs from company cheapest insurance for a my own car? Also, have never been in cars but dose the some things work, but .

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California insurance regulators asked going to take the basics and the best my dad would start lessons and I want with a clean title. ago and I was company pay? Will they? car monthy payments, insurance, get my first car of SR22 insurance in 4 year driving record? a nice (still cheap, old and looking to Dont know what to I guess you can month. I would probably my own insurance at can tell so how they required the make How do I find for insurance to covoer dad is on disability me everywhere I need Or is it to much does insurance cost health insurance in Texas? by affordable I mean under our current policy today and was wondering - so irritating, anyway 1.2 and the car I persistently receive word pay for the insurance cost us to be a BMW 3 series? a BMW series 3 the insurance is too lowest price rates on to give birth here moves up in the .

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[lim-lifeinmotion]

The Silence: The Legacy of Childhood Trauma

By Junot Díaz  I found a story amidst my delving into the depth of childhood trauma, I suppose I just wanted to know what someone else had been through and if they managed to somehow over come it. It’s unusually comforting to read the feelings he had, the same “cut-off” of disassociated presence he felt with not only himself but with everyone else around him. To shed light on the sexual trauma he experienced and how it mirrored my own sexual intimacy blocks. Among all the amazing things he created from this experience it was really hard to hear the profound affect it was still having on him decades on. Perhaps this is just me now, forever? I suppose it was all well and easy to say I wouldn’t change it for the world because it has made me who I am today, beautiful, kind, gentle, and above all, a dedicated and passionate lover, but to think I will live with this for the rest of my life, that Perhaps i may never be able to break down these barriers even with professional help, thats not something I would want of anyone, not of myself. Perhaps if i could rewind it all I would change everything, I may not be who I am today but perhaps I’d be able to give and receive love openly from others and to myself, even if I was a complete asshole, a close minded, non-empathic person, to be happy and free from all of this pain i carry, is all I ask from the world. I wan’t to be able to love myself so damn badly, but I can only keep on trying until one day I do finally make it because I will, it’s not living otherwise.

Last week I returned to Amherst. It’s been years since I was there, the time we met. I was hoping that you’d show up again; I even looked for you, but you didn’t appear. I remember you proudly repped N.Y.C. during the few minutes we spoke, so I suspect you’d moved back or maybe you were busy or you didn’t know I was in town. I have a distinct memory of you in the signing line, saying nothing to anyone, intense. I assumed you were going to ask me to read a manuscript or help you find an agent, but instead you asked me about the sexual abuse alluded to in my books. You asked, quietly, if it had happened to me.

You caught me completely by surprise.

I wish I had told you the truth then, but I was too scared in those days to say anything. Too scared, too committed to my mask. I responded with some evasive bullshit. And that was it. I signed your books. You thought I was going to say something, and when I didn’t you looked disappointed. But more than that you looked abandoned. I could have said anything but instead I turned to the next person in line and smiled. Out of the corner of my eye I watched you pick up your backpack, slowly put away your books, and leave. When the signing was over I couldn’t get the fuck away from Amherst, from you and your question, fast enough. I ran the way I’ve always run. Like death itself was chasing me. For a couple of days afterward I fretted; I worried that I’d given myself away. But then the old oblivion reflex took over. I pushed it all down. Buried it all. Like always.

But I never really did forget. Not our exchange or your disappointment. How you walked out of the auditorium with your shoulders hunched.

I know this is years too late, but I’m sorry I didn’t answer you. I’m sorry I didn’t tell you the truth. I’m sorry for you, and I’m sorry for me. We both could have used that truth, I’m thinking. It could have saved me (and maybe you) from so much. But I was afraid. I’m still afraid—my fear like continents and the ocean between—but I’m going to speak anyway, because, as Audre Lorde has taught us, my silence will not protect me.

X⁠—

Yes, it happened to me.

I was raped when I was eight years old. By a grownup that I truly trusted.

After he raped me, he told me I had to return the next day or I would be “in trouble.”

And because I was terrified, and confused, I went back the next day and was raped again.

I never told anyone what happened, but today I’m telling you.

And anyone else who cares to listen.

That violación. Not enough pages in the world to describe what it did to me. The whole planet could be my inkstand and it still wouldn’t be enough. That shit cracked the planet of me in half, threw me completely out of orbit, into the lightless regions of space where life is not possible. I can say, truly, que casi me destruyó. Not only the rapes but all the sequelae: the agony, the bitterness, the self-recrimination, the asco, the desperate need to keep it hidden and silent. It fucked up my childhood. It fucked up my adolescence. It fucked up my whole life. More than being Dominican, more than being an immigrant, more, even, than being of African descent, my rape defined me. I spent more energy running from it than I did living. I was confused about why I didn’t fight, why I had an erection while I was being raped, what I did to deserve it. And always I was afraid—afraid that the rape had “ruined” me; afraid that I would be “found out”; afraid afraid afraid. “Real” Dominican men, after all, aren’t raped. And if I wasn’t a “real” Dominican man I wasn’t anything. The rape excluded me from manhood, from love, from everything.

The kid before—hard to remember. Trauma is a time traveller, an ouroboros that reaches back and devours everything that came before. Only fragments remain. I remember loving codes and Encyclopedia Brown and pastelones and walking long distances in an effort to learn what lay beyond my N.J. neighborhood. At night I had the most vivid dreams, often about “Star Wars” and about my life back in the Dominican Republic, in Azua, my very own Tatooine. Was just getting to know this new English-speaking me, was just becoming his friend—and then he was gone.

No more spaceship dreams, no more Azua, no more me. Only an abiding sense of wrongness and the unbearable recollection of being violently penetrated.

By the time I was eleven, I was suffering from both depression and uncontrollable rage. By thirteen, I stopped being able to look at myself in the mirror—and the few times I accidentally glimpsed my reflection I’d recoil like I’d got hit in the face by a jellyfish stinger. (What did I see? I saw the crime, my grisly debasement, and if anyone looked at me too long I would run or I would fight.)

By fourteen, I was holding one of my father’s pistols to my head. (He’d been gone a few years, but he’d generously left some of his firearms behind.) I had trouble at home. I had trouble at school. I had mood swings like you wouldn’t believe. Since I’d never told anyone what had happened my family assumed that was just who I was—un maldito loco. And while other kids were exploring crushes and first love I was dealing with intrusive memories of my rape that were so excruciating I had to slam my head against a wall.

Of course, I never got any kind of help, any kind of therapy. Like I said, I never told anyone. In a family as big as mine—five kids—it was easy to get lost, even when you were going under. I remember my mother telling me, after one of my depressions, that I should pray. I didn’t even bother to laugh.

When I wasn’t completely out of it I read everything I could lay my hands on, played Dungeons & Dragons for days on end. I tried to forget, but you never forget. Night was the worst—that’s when the dreams would come. Nightmares where I got raped by my siblings, by my father, by my teachers, by strangers, by kids who I wanted to be friends with. Often the dreams were so upsetting that I would bite my tongue, and the next morning I’d spit out blood into the bathroom sink.

And in no time at all I was failing everything. Quizzes, quarters, and then entire classes. First I got booted out of my high school’s gifted-and-talented program, then out of the honors track. I sat in class and either dozed or read Stephen King books. Eventually I stopped showing up altogether. School friends drifted away; home friends couldn’t wrap their heads around it.

Senior year, while everyone was getting their college acceptances, I went another way: I tried to kill myself. What happened was that in the middle of a deep depression I suddenly became infatuated with this cute-ass girl I knew at school. For a few weeks my gloom lifted, and I became utterly convinced that if this girl went out with me, if she fucked me, I’d be cured of all that ailed me. No more bad memories. I’d been watching “Excalibur” on heavy rotation, so I was all about miraculous regeneration. When I finally got up the nerve to ask her out and she said nope, it felt as though the world had finally closed the door on me.

The next day I swallowed all these leftover drugs from my brother’s cancer treatment, three bottles’ worth.

Didn’t work.

You know why I didn’t try again the next day?

Because my one and only college acceptance arrived in the mail. I had assumed I wasn’t going anywhere, had completely forgotten that I had any schools left to hear from. But as I read that letter it felt as if the door of the world had cracked open again, ever so slightly.

I didn’t tell anyone I tried to kill myself. Something else I buried deep.

I often tell people that college saved me. Which in part is true. Rutgers, only an hour from my home by bus, was so far from my old life and so alive with possibility that for the first time in the longest I felt something approaching safety, something approximating hope. And, whether it was that distance or my bottomless self-loathing or some desperate post-suicide urge to live, that first year I remade myself completely. By junior year, I doubt anyone from my high school would have recognized me. I became a runner, a weight lifter, an activist, had girlfriends, was “popular.” At Rutgers I buried not only the rape but the boy who had been raped—and threw into the pit my family, my suffering, my depression, my suicide attempt for good measure. Everything I’d been before Rutgers I locked behind an adamantine mask of normalcy.

And, let me tell you, once that mask was on no power on earth could have torn it off me.

The mask was strong.

But as any Freudian will tell you trauma is stronger than any mask; it can’t be buried and it can’t be killed. It’s the revenant that won’t stop, the ghost that’s always coming for you. The nightmares, the intrusions, the hiding, the doubts, the confusion, the self-blame, the suicidal ideation—they didn’t go away just because I buried my neighborhood, my family, my face. The nightmares, the intrusions, the hiding, the doubts, the confusion, the self-blame, the suicidal ideation—they followed. All through college. All through graduate school. All through my professional life. All through my intimate life. (Leaked into my writing, too, but you’d be amazed how easy it is to rewrite the truth away.)

Didn’t matter how far I ran or what I achieved or who I was with—they followed.

Do you remember how during our chat at Amherst I talked about intimacy? I think I said that intimacy is our only home. Super ironic that I write and talk about intimacy all day long; it’s something I’ve always dreamed of and never had much luck achieving. After all, it’s hard to have love when you absolutely refuse to show yourself, when you’re locked behind a mask.

I remember when I got my first girlfriend, in college. I thought that was it—I was saved. Everything I’d been would officially be erased, all my awful dreams would disappear. But that’s not the way the world works. Me and this girl were into each other something serious, were in our narrow college beds all the time—but you know what? We never had sex. Not once. I couldn’t. Every time we would get close to fucking the intrusions would cut right through me, stomach-turning memories of my violation. Of course, I didn’t tell her. I just said that I wanted to wait. She didn’t believe my excuses, asked me what was wrong, but I never said anything. I kept the Silence. After a year, we broke up.

I thought maybe with another girl it would be easier, but it wasn’t. I tried and I tried and I tried. Took me until I was a junior before I finally lost my virginity. I saw her first in a creative-writing class. She was an ex-hippie ex-hardcore sweetie who wrote beautifully and had a tattoo on her head and the first time we got in bed she didn’t even ask if I was a virgin; she just pulled off her dress and it happened. I almost threw a party.

But I should have known it wasn’t going to be that easy. Me and J⁠— dated for two years, but I was always acting, always hiding. The mask was strong.

I’m sure she sensed I was all sorts of messed up, but I’m guessing she chalked it up to typical ghetto craziness. She loved the shit out of me. Brought me home to her family, and they loved me, too. It was the first truly healthy family I’d been exposed to. Which you would think would have been a good thing.

Wrong. The longer we were together, the more her family loved me, the more unbearable it all got. There was only so much closeness a person like me could endure before I needed to fly the fuck away. I had long bouts of depression, drank more than I’d ever drunk, especially during the holidays, when they were all at their happiest. One day, for no reason at all, I found myself saying, We have to break up. There was absolutely no precipitating anything. I had just reached my limit. I remember crying my eyes out the night before (in those days I never cried). I didn’t want to break up with her. I didn’t want to. But I couldn’t stand to be loved. To be seen.

Why? she asked. Why?

And I really had no answer.

After that it was C⁠—, who did a ton of community work in the D.R. And then B⁠—, the Seventh-Day Adventist from St. Thomas. Neither relationship worked. But I kept going.

And that’s how it went for a while, from college to grad school to Brooklyn. I would meet intimidatingly smart sisters, would date them in the hope that they could heal me, and then the fear would start to climb in me, the fear of discovery, and the mask would feel as if it were cracking and the impulse to escape, to hide, would grow until finally I’d hit a Rubicon—I’d either drive the novia away or I would run. I started sleeping around, too. The regular relationship drug wasn’t enough. I needed stronger hits to keep the wound inside from rising up and devouring me. The Negro who couldn’t sleep with anyone became the Negro who would sleep with everyone.

I was hiding, I was drinking, I was at the gym; I was running around with other women. I was creating model homes, and then, just as soon as they were up, abandoning them. Classic trauma psychology: approach and retreat, approach and retreat. And hurting other people in the process. My depressions would settle over me for months, and in that darkness the suicidal impulse would sprout pale and deadly. I had friends with guns; I asked them never to bring them over for any reason. Sometimes they listened, sometimes they didn’t.

Somehow I was still writing—about a young Dominican man who, unlike me, had been only a little molested. Someone who couldn’t stay in any relationship because he was too much of a player. Crafting my perfect cover story, in effect. And since us Afro-Latinx brothers are viewed by society as always already sexual perils, very few people ever noticed what was written between the lines in my fiction—that Afro-Latinx brothers are often sexually imperilled.

Right before I left graduate school and moved to Brooklyn I published my first story, about a Dominican boy who goes to see another boy, whose face has been eaten off, and on the way he gets sexually assaulted. (Seriously.) And then in one of those insane twists of fortune I hit the literary lottery. From that one story I got an agent, I got a book deal, I appeared in The New Yorker, I published my first book, “Drown,” which sold nothing but got me more press than any young writer should ever have. Anyone else would have ridden that good-luck wave straight into the sunset, but that wasn’t how it played out. I clearly wanted to be known, on some level, had been dying for a chance at a real face, but when that moment finally arrived I couldn’t do it; I clamped the mask down hard. After “Drown,” I could have stayed in N.Y.C., but I fled to Syracuse instead, where the snow never stops and the isolation was a maw. I stopped writing altogether.

Entire literary careers could have fit into the years I didn’t write. In the meantime I met S⁠—. If Black Is Beautiful had a spokesperson it would have been her; S⁠—, who would have thrown away a thousand years of family to make it work. Didn’t matter; we never were able to have sex. The intrusions always hit where it would hurt the worst. Never knew who I could have sex with and who I couldn’t until I tried. S⁠— found someone else, ended up marrying him. I moved on to other women. The years passed. I never took off the mask; I never got help.

And for a while the center held. For a while.

No one can hide forever. Eventually what used to hold back the truth doesn’t work anymore. You run out of escapes, you run out of exits, you run out of gambits, you run out of luck. Eventually the past finds you.

What happened was that I met someone: Y⁠—. In the novel I published eleven years after “Drown,” I gave my narrator, Yunior, a love supreme named Lola, because in real life I had a love supreme named Y⁠—. She was the femme-matador of my dreams. A state-school girl raised in Washington Heights who worked her ass off, who never ran from a fight, and who could have danced Ochún out the fucking room.

We clicked like crazy. Like our ancestors were rooting for us. I was the Dominican nerdo she’d always dreamed about. She actually said this. She didn’t have a clue. I fell into her family, and she fell into mine. And her mother—Dios mío, how the señora loved me. I was the son she never had. And before you could say “Run” I had created another one of my romance stories, but this one was more elaborate and more insane than any I’d ever spun. We bought an apartment together in Harlem. We got engaged in Tokyo. We talked about having children together. Even the writing started coming again. Negroes I’d never met before were proud of our relationship and told us so. Two “successful” Dominicans from the hood who loved each other? As rare and as precious as ciguapas.

Of course, there were signs of trouble. I spent at least six months out of the year depressed and/or high or drunk. We could have sex but not often—the intrusions often jumped in, a hellish cock-blocking ménage à trois.

Sex or no sex, I “loved” her more than I had ever loved anyone. I even told her, in an unguarded moment, that something had happened in my past.

Something bad.

And because I “loved” her more than I had ever loved anyone, and because I had revealed to her what I revealed about my past, I cheated on her more than I had ever cheated on anyone.

I cheated on her como un maldito perro.

I knew plenty of men who lived double lives. Shit, my father had lived one, to my family’s everlasting regret. And here I was playing out the patrimonial destiny. I had a double life like I was in a comic book.

Y⁠— got as much of the real me as I was capable of showing. She lived with my depression and my no-writing fury and with the rare moments of levity, of clarity. The other women saw primarily my mask, right before I ghosted them.

The mask was strong.

But no mask is that strong. No one’s G that perfect. No one’s love that dumb. One day Y⁠— didn’t like an answer I’d given her about where I’d been. I’m sure she’d been having doubts for a while—especially after one woman showed up at a reading of mine and burst into tears when I said hi. Y⁠— decided to go snooping through my e-mails, and since I wasn’t big on passwords or putting old e-mails in the trash it took her less than five minutes to find what she was looking for.

A heartbreak can take out a world. I know hers did. Took out her world and mine.

Another woman might have shot me dead on principle, but Y⁠— simply printed out all the e-mails between me and all my other girls, all my bullshit seduction attempts, all the photos, had the evidence of my betrayals bound, and when I came home from one of my trips handed them to me.

When I realized what she’d given me I blacked out.

Which is what tends to happen when the world ends.

A few months later, I won the Pulitzer Prize for a novel narrated by a Dominican brother who loses the Dominican woman of his dreams because he can’t stop cheating on her. When I found out I’d won the prize my first thought wasn’t “I’m made” but “Maybe now she’ll stay with me.”

She didn’t. A few months later Y⁠— got her head together and kicked me out of her life completely. She kept the apartment, the ring, her family, our friends. I got Boston. We never saw each other again.

When I was a kid, I heard that dinosaurs were so big that even if they received a killing blow it would take a while for their nervous systems to figure it out. That was me. After I lost Y⁠— I moved to Cambridge full time, and for the next year or so I tried to “walk it off.” For a little while I seriously thought I was going to be fine. The mask had exploded into fragments, but I kept trying to wear the pieces as if nothing had happened. It would have been comedic if it hadn’t been so tragic. I tried to use sex to fill the hole I’d just blown through my heart, but it didn’t work. Didn’t stop me from trying.

I lost weeks, I lost months, I lost years (two). And then one day I woke up and literally couldn’t move from bed. An archipelago of grief was on me, a wine-dark sea of pain. In a drunken fit I tried to jump from my friend’s rooftop apartment in the D.R. He grabbed me before I could get my foot on a nearby stool and didn’t let go until I stopped shaking.

In the treatment world, they say that often you have to hit rock bottom before you finally seek help. It doesn’t always work that way, but that sure is how it was for me. I had to lose almost everything and then some. And then some. Before I finally put out my hand.

I was fortunate. I had friends around me ready to step in. I had good university insurance. I stumbled upon a great therapist. She had dealt with people like me before, and she dedicated herself to my healing. It took years—hard, backbreaking years—but she picked up what there was of me. I don’t think she’d ever met anyone more disinclined to therapy. I fought it every step of the way. But I kept coming, and she never gave up. After long struggle and many setbacks, my therapist slowly got me to put aside my mask. Not forever, but long enough for me to breathe, to live. And when I was finally ready to return to that place where I was unmade she stood by my side, she held my hand, and never let go.

I’d always assumed that if I ever returned to that place, that island where I’d been shipwrecked, I would never escape; I’d be dragged down and destroyed. And yet, irony of ironies, what awaited me on that island was not my destruction but nearly the opposite: my salvation.

During that time I wrote very little. Mostly I underlined passages in my favorite books. This line in particular I circled at least a dozen times: “Then darkness took me, and I strayed out of thought and time, and I wandered far on roads that I will not tell.”

And then there was this section from my own novel:

Before all hope died I used to have this stupid dream that shit could be saved, that we would be in bed together like the old times, with the fan on, the smoke from our weed drifting above us, and I’d finally try to say words that could have saved us.

But before I can shape the vowels I wake up. My face is wet, and that’s how you know it’s never going to come true.

Never, ever.

It’s been almost a decade since the Fall. I am not who I once was. I’m neither the brother who can’t touch a girl nor the asshole who sleeps around. I’m in therapy twice a week. I don’t drink (except in Japan, where I let myself have a beer). I don’t hurt people with my lies or my choices, and wherever I can I make amends; I take responsibility. I’ve come to learn that repair is never-ceasing.

I’m even in a relationship, and she knows everything about my past. I told her about what happened to me.

I’ve told her, and I’ve told my friends. Even the toughest of my boys. I told them all, fuck the consequences.

Something I never thought possible.

So much has changed. But some things haven’t. There are still times when the depression hammers down and months vanish out from under me, when the suicidal ideation returns. The writing hasn’t come back, not really. But there are good stretches, and they are starting to outnumber the bad. Every year, I feel less like the dead, more a part of the living. The intrusions are fewer now, and when they come they don’t throw me completely. I still have those horrible dreams every now and then, and they are still foul as fuck, but at least I have resources to deal with them.

And yet—

And yet despite all my healing I still feel that something important, something vital, has eluded me. The impulse to hide, to hold myself apart from my colleagues, from my fellow-writers, from my students, from the circle of life has remained uncannily strong. During the public talks I’ve given at universities and conferences, I’ve sometimes commented on the intergenerational harm that systemic sexual violence has inflicted on African diasporic communities, on my community. But have I ever actually come out and said that I was the victim of sexual violence? I’ve said elusive things here and there but nothing actionable, no definitive statements.

Over the last weeks, that gnawing sense of something undone has only grown, along with the old fear—the fear that someone might find out I’d been raped as a child. It’s no coincidence that I recently began a tour for a children’s book I’ve published and suddenly I’m surrounded by kids all the time and I’ve had to discuss my childhood more than I ever have in my life. I’ve found myself telling lies, talking about a kid that never was. He never checks the locks on the bedroom doors four times a night, doesn’t bite clean through his tongue. The cover stories are returning. There are even mornings when my face feels stiff.

And then at one of my events, another signing line—this one at the Brattle Theatre, in Cambridge—a young woman walked up and started to thank me for my novel, for one of its protagonists, Beli. Beli, the tough-love Dominican mother who suffered catastrophic sexual abuse throughout her life.

I had a life a lot like Beli’s, the young woman said, and then, without warning, she choked into tears. She wanted to say more to me, but before she could she was overwhelmed and fled. I could have tried to stop her. I could have called after her me too me too. I could have said the words: I was also raped.

But I didn’t have the courage. I turned to the next person in line and smiled.

And you know what? It felt good to be behind the mask. It felt like home.

I think about you, X⁠—. I think about that woman from the Brattle. I think about silence; I think about shame, I think about loneliness. I think about the hurt I caused. I think of all the years and all the life I lost to the hiding and to the fear and to the pain. The mask got more of me than I ever did. But mostly I think about what it felt like to say the words—to my therapist, all those years ago; to tell my partner, my friends, that I’d been raped. And what it feels like to say the words here, where the whole world—and maybe you—might hear.

Toni Morrison wrote, “Anything dead coming back to life hurts.” In Spanish we say that when a child is born it is given the light. And that’s what it feels like to say the words, X⁠—. Like I’m being given a second chance at the light.

Last night I had another dream. It wasn’t a bad one. I was young. Just a boy. No one had hurt me yet. A plane was dropping flyers announcing an upcoming Jack Veneno match, and all of us kids in Villa Juana were racing about in great excitement, gathering the flyers in our arms.

I barely remember that boy anymore, but for a brief moment I am him again, and he is me. ♦

[cathrynstreich]

How To Sell Your House in 3 Basic Steps

Selling your home can be chaotic and stressful, but it doesnt have to be. This article and infographic were designed to help you through the home selling process with ease. When you have a clear understanding of the process, the whole transaction will go much smoother. STEP 1: Get Your House Ready to Sell Before you can put your house on the market, you need to get it ready. This is a different process for every property, but the end goal should always be the same. Youre trying to get your home to look like a staged model home that no one lives in. To simplify the process for you, weve boiled down the 3 most important parts of this process. Fix it, upgrade it, and make it shine Check out the insights below to help you get your house ready to sell. FIX EVERYTHING Most home buyers are looking for a home that doesnt have issues. When your home goes under contract, the buyer will most likely hire a professional inspector to inspect your home for damages and potential repairs. When planning out your home selling strategy, start by identifying and completing any repairs on known issues with your property. We recommend hiring your own home inspector before listing your house. This is the best way to avoid unexpected surprises once youre in the contract phase of your home selling process. Buyers tend to feel that they are overpaying for a home when it has repair issues. Youll typically net the most money on your home sale by addressing all of these issues before you find the right buyer. ADD UPGRADES Next, evaluate whether or not your home needs updating to solicit the highest and best offer. Look at other homes in your neighborhood online or with your REALTOR. If all the current or recently sold listings have granite counter tops, solid wood floors, and/or other current updates, it will be in your best interest to add those things to your home as well. Knowing your competition and offering a better product helps to net the most money when selling your home. If most of the homes around you are offering current upgrades and your property does not, the chances are high that your home will be on the market for a while and eventually receive offers much lower than you prefer. Installing and performing upgrades before listing can be a smart investment. For the best results, meet with your REALTOR to get advice on which upgrades will have the greatest impact. MAKE IT LOOK NEW AGAIN Finally, you will want to make your home look new again. The goal is to take all the ldquo;wear and tearrdquo; out of your home. This usually involves touching up the paint, shampooing carpets, touching up baseboards, adding fresh mulch, trimming bushes, and deep cleaning every room in the house. Often, sellers find that they need to completely paint the interior of the home and put new floors in, as even everyday wear and tear can turn buyers off. You will also want to take the ldquo;yourdquo; out of your home. Buyers emotionally attach to homes that they can visualize themselves living in. Its hard for them to do that when they see photos of the current homeowners family throughout the house. Take all personal pictures and pack them in a box for your next residence. Take any items that are personal to you and pack them as well. Make your home as clean and neutral as possible so that home buyers can imagine their furniture and items in your home. If possible, hire a professional stager to help arrange your home for an amazing presentation to home buyers. Staging is becoming more common every year and some of the homes that youre competing with may be staged. Check out our Ultimate Home Sellers Checklist below. It offers a HUGE list of items to keep you on track when getting your home ready to go on the market. nbsp; STEP 2: Get Your Home Listed for Sale Once your home is ready to be listed for sale, your task list changes from physical labor to phone calls and emails. This part requires smart decision making and lots of online research. Take your time and use the three important steps below to ensure your success. HIRE A REALTOR Start by hiring a good REALTOR. Donrsquo;t just use a family member or someone in your neighborhood. Do your homework and find someone with a good online presence and strong reviews. Using someone based on anything but this can cost you thousands of dollars. Herersquo;s a good list of questions to ask before hiring a REALTOR. Do they hire professional photographers to take pictures and video? Do they offer an online 3D Tour? Ask for examples. Do they use a professional Showing Service or are they responsible for coordinating all of your showings? Do they use Secure Electronic Lockboxes or cheap combination lockboxes? How many homes do they sell each year, and how does that average compare for the area? Do they have online reviews and a strong online presence? Do they communicate in ways that you prefer? (email, text, social media, phone call, etc.) How much of their commission are they offering the buyerrsquo;s agent? Where are they advertising your listing? What digital marketing services do they offer that others do not? These are just a few questions to ask. Your entire home selling experience will be greatly affected by the competency of the real estate agent that you hire. I canrsquo;t stress enough how important it is that you do your research and hire the right person for the job. PRICE IT RIGHT Next, yoursquo;ll want to think long and hard about the price that you want to list your home at. Get comparable sold properties from your REALTOR and ask their advice. The challenge is to find the right price that will sell your house fast, but not leave any money on the table. Statistically, the longer your home is on the market, the lower offer youll receive. Itrsquo;s a common scenario for sellers to list their home for too much and then drop the price later, after few or no showings. The problem is that your best chance for a great offer is when you first list the property. Once your house has been on the market for a couple of months, buyers will know that you are worn down and are more desperate to get rid of your home. The offers you receive months after listing will most likely be lower than offers that you would have received in the first week. Price your home right to attract those buyers who are waiting for the right home right now. KEEP IT PRESENTABLE Finally, make sure you keep your home presentable and ready for showings. Irsquo;ve shown many homes to home buyers over the years. I am constantly surprised at how many homes are dirty and not ready to be shown when I get there. Home usually look different in person than they do online. Above all, make sure your home smells good and is clean. This is non-negotiable. In addition, try to set the home up for the showing by opening blinds and curtains in strategic areas to allow the natural light in and highlight the best views. Also, leave some lamps and lights on so that the home buyers donrsquo;t see your home in dim light. When a buyer walks in the front door they should be greeted by a light, bright, cheery home. Check out our 20 Step Checklist to Prepare Your Home for Real Estate Photos below. It will help you have your home in photo ready condition when the photographer arrives. nbsp; STEP 3: Get Your Home Sold Once you have put your home on the market and have launched it out there for the whole world to see, its time to get it sold. When youre under contract it can feel as though most of the work is done, but thats not true. There is still quite a bit of work to do. This section will help prepare you for the steps remaining to get your home sold and to finish the transaction with success. EXECUTE A SALES CONTRACT Once your house is listed and you have done all of the right things to get it sold, you will inevitably start receiving offers from buyers. Its important to wait for the right offer. Home selling rookies may be tempted to get excited about the first offer that comes along. It can cause problems if they are only focusing on the offer price. The down payment amount, loan type, and pre-approval letter are very important parts of the offer as well. Any seasoned REALTOR has had deals fall apart. When buyers do not have much cash in the bank and are barely able to qualify for a loan, it can greatly increase the chances of a deal falling apart. Knowing what to look for in an offer is key to getting your home sold without any crazy surprises. If you have the option to wait for a better contract from a buyer offering a decent down payment and who can pay for their owning closing costs, your chances of closing the deal are much higher. Take these things into consideration when you are receiving contracts on your home. The Colorado Sales Contract that most Colorado REALTORS use is written to protect the buyer much more than the seller. These contracts can fall apart very easily. A good seasoned REALTOR will notice any red flags in an offer and point them out to you right away. Their experience can save you a lot of time and money when executing a sales contract. STAY ON TRACK Once you have an executed sales contract, yoursquo;ll want to keep the communication going between you, the title company and/or law office, your real estate agent, and anyone else involved in the transaction. Make sure that your REALTOR is checking in with the buyerrsquo;s agent and lender on a regular basis. Most REALTORS are good about this, but some are not. It takes a group of people to successfully close a real estate transaction. Dont be quick to assume that everyone is on track. Make sure to convey to everyone that you are anxious for information and that you are going to be contacting them regularly. Irsquo;ve seen too many deals where agents left a deal alone expecting the mortgage lender to be doing their job, only to find out days before closing that deal needs to be extended, or that the deal is dead in the water. By check in often and stay on top of everyone, youll greatly decrease that chance of any unexpected surprises right before closing. CLOSE THE DEAL Finally, once the deal has a clear-to-close from the lender, schedule the closing with the title company. If you want to get your funds on the same day, try to schedule the closing in the morning so that the wire transfer has time to make it to your bank. This is very important for people on the west coast as the wire cut off time is 6:00 pm eastern time. Also, Fridays are usually the most hectic at the title companies because most buyers want to close on Friday. If you can schedule Monday through Thursday, your chance of not having any scheduling issues are higher. Bring your photo ID (driverrsquo;s license, passport, etc.) to closing, along with all the keys, garage door openers, appliance documentation (if applicable), repairs receipts, and any other items relevant to the transaction. As the seller, your paperwork will be minimal and you should be finished within minutes. Once the buyers sign their documents, the title company will forward the docs to the lender and if everything was done properly the loan will fund within a couple of hours and you will receive the funds from the closing. Once you receive your closing funds, youll feel a great sense of relief. The last step is to CELEBRATE nbsp; How To Sell Your House in 3 Basic Steps published first on https://thegardenresidences.tumblr.com/

[sampagu]

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How to get a national insurance number

What is a National Insurance Number?

An NI number (often called NIN or NINO) is similar to your Tax File Number in Australia, IRD in New Zealand or SIN number in Canada. In the UK the NI number is also used as a form of identification by many departments including the free NHS healthcare system.

Usually during your first week of work, your employer will ask for your NI Number.

If you don’t have one, your employer has no way of advising the British Tax Department (HM Revenue and Customs) the amounts you need to NI contributions for state pension and the British social security system should be. You must pay emergency national insurance contributions (emergency tax) until you get one – typically a big percentage of your take home pay!

How to get an NI Number

A typical application process can take weeks if not months and involve phone calls, an EOI (Evidence Of Identity) interview, follow up calls and and long wait times and thats assuming everything goes well. Fortunately there is much easier way. A number of companies in the UK exist to help with this process. For as low as £30 there are online services which help in a number of ways:

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Many people can avoid the EOI interview altogether

If required, the interview can be arranged for you

The information required for the interview can be pre-checked

Any changes to interview times, follow up calls, changes of address or other issues that arise can be dealt with by them

My advice is simple – Save yourself a lot of time and trouble by using a reputable service to assist.

Here is our current top recommendation.

Now, if you have time and lots of patience you can always get your NI Number without assistance but allow me to explain what makes the NI Number application process so time consuming and stressful.

Step 1

Call the phone number 0345 600 0643 at Jobcentre Plus during business hours to arrange a national insurance number interview. Be prepared It is usually busy – very busy. The times offered will be during business hours and available times will depend on how busy they are and arranged at an address nearest to you.

Note: For non-EU citizens the interview can be avoided if you use a service.

Step 2

Prepare documents for interview. After scheduling an EOI (evidence of identity) interview, then you have to gather your documentation for the interview.

Note: For people coming from overseas, it can be challenging because one of the key parts of the process of getting a number is proving your identity which often includes an address and bills in your name. But wait, perhaps you just arrived from overseas. So what do you bring? A service can help to ensure you have the necessary documentation.

Step 3

Wait or follow up if required. Assuming everything goes well in the interview and you are not invited back – you wait. This step usually takes a few weeks but sometimes months to receive your number and card by mail. Although you do nothing, this step can be the hardest because while you are waiting you are still getting charged emergency tax. You will also often have no idea if your application will be successful or not.

Note: Wait times vary depending on the departments workload, but a service can give you a good indication of the timing because they are dealing with successful registrations each day.

WARNING: Changing your address (which many people do after first arriving to the UK) can result in having your NI number lost in the post (read the comments below, it happens all the time!). One more reason to use a service is that they will help file the necessary change of address paperwork and follow up for you.

Cut the red tape, avoid the frustration

Use a reputable service to assist you in your NI Number application.

They will:

Organise your interview for you (at a time convenient to you) or arrange to avoid it all together

Make sure you have the identity you need

Deal with changes to your address and any other issues that may arise

Unfortunately the process of obtaining an NI number normally takes 2 – 6 weeks (sometimes months) from the time you schedule a meeting. The time it takes to get one depends on availability of interview times for your local Department of Work and Pensions (DWP) office and then there is also the time it takes to get your NI number processed. In the meantime, you will be issued with a temporary national insurance number, but this is just to keep track of the extra contributions you will be making until you get your NI card in the mail and advise your employer.

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Fortunately there are some paid services that Work and Travel Companies provide that help to avoid a lot of frustration and can ensure maximum speed in the process. For example, if you are non-European you can avoid having to attend the DWP interview. This is due to all the requirements you have to already met to get your visa and is a great way to get a national insurance number online. This itself is well worth the small fee, but where they really come into their own even if you have to attend an interview is in making sure things run smoothly. For example, there are many instances where processing is delayed when one of the requirements of your EOI interview are not met. Initially they assist in filling out the NIN application form. In many cases something as simple as a change of your address (or not having an address) creates bureaucratic confusion which delays getting your number issued. Many problems have been avoided with the help of a service. You can also do it yourself (DIY) and we provide the methods to do it.

However I also want you to know that we get emails daily and many comments of people having issues – here are some from below:

“4 weeks have passed already and I don’t have an interview scheduled and I still haven’t received any forms to fill in” Paolo

“I applied for a NI number and went to an interview, but after (2-4 weeks like the interviewer said) they sent me a letter saying that they declined it.” Hristo

“I filled out the paper Form CA5403, passed in the office HM REVENUE, (and was) told to wait up to 6 weeks. I waited 2 months but nothing … ” Stan

This service is highly recommended and is used by many expats and working holiday makers because you can avoid a lot of hassle when you applying.

Note: If you are British (and in the UK when your were 16 years of age) you will have been sent your NI Number by mail. If you are were not in Britain not in Britain of have misplaced your NI Number there are other ways to get assistance – please see our British section.

More Information

Different options apply based on your Nationality

Non-European Economic Area Citizens (Any country outside of Europe)

Three Options:

Online (no interview required)

Assistance (interview required)

DIY (interview required)

All European Citizens

Two Options:

Assistance (interview required)

DIY (interview required)

Frequently Asked Questions (FAQs)

Q: Do I need an NI Number to work in the UK?

A: Yes and No. No, not initially but eventually yes. You can work immediately without an NI Number however you must start the application process as you will eventually need to provide your employer with your NI Number. Until that happens you will be paying an emergency tax—which could be a large portion of each pay day.

Q: How long does it take to get a National Insurance Number?

A: 2-6 weeks is typical, sometimes months. First you need to schedule an EOI interview or a service will do this for you – if a service can arrange for you to avoid the interview this can save weeks. The wait times are dependent on how busy the office in your area is. After your interview you will still need to wait for your NI Number and card to arrive in the post. This process can take 2-6 weeks, or longer.

Q: Do I need to be in the UK when I apply?

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A: Yes. If you are doing it yourself you must be in the UK when you apply. For piece of mind, you can start the ball rolling with a service before you arrive. Knowing exactly what you need and what to do when you get there can be really helpful especially when you are dealing with many other issues like jobs, places to live and settling in.

Q: Can I expedite the process?

A: While using a service doesn’t mean the process is expedited, they can help you avoid the interview process in some cases. They can also ensure your documentation is sufficient and any address changes, etc. are handled correctly, thus reducing complications with your application and ensuring the maximum process speed.

Q: How can I bypass the EOI interview process?

A: Normally, if you are a Non-EU resident you have already submitted much of the information needed through your visa process and are eligible to bypass the interview with the help of a service. If you are British or EU resident you will have to do the interview.

Q: I’m staying with a friend and don’t have any bills in my name. What else is considered proof of address?

A: It is common for new arrivals to the UK to not have sufficient proof of address. In this case, it is highly recommended you use a service that can advise you on how to establish your identity in the UK and obtain the necessary documentation.

Q: I had my interview a couple months ago and still have not received any notifications in the post. What should I do?

A: Unfortunately, the only thing you can do is call the Jobcentre Plus and follow up. This is one reason why using a service is helpful. They can troubleshoot these issues on your behalf and have a better understanding of timing since they handle these requests every day.

Q: I am in the process of applying for an NI Number and have moved. What should I do?

A: If you are scheduled for an interview in the near future try to still attend it. If you are waiting for notification about your NI Number and card contact the Jobcentre Plus right away. If you used a service they will take care of this for you.

Q: My employer says he can’t pay me (or employ me) until I have an NI number. Is this true?

A: No. You are legally entitled to your wages and it will not hinder your employment prospects if you understand the process and can explain it to them. Inform your employer that you are in the process of applying but assure them you are getting one – you will. They will have to pay an emergency tax contribution in the meantime but this does not cost them anything extra – it comes out of your pay. Withholding wages is not legal and understanding the process can be helpful if your new employer is not familiar with hiring people who have just arrived from overseas.

Q: Once I receive my Number can I get the emergency tax I paid back?

A: Yes. Once you receive your NI Number you can enter a claim to receive the money deducted for emergency tax back – usually when you submit your tax return at the end of the financial year.

Q: Other than an NI Number, do I need anything else to work in the UK?

A: Having an NI number does not equate to having a right to work in the UK. Normally a visa (specifically one allowing you to work) is also required. We do not specialize in offering information about visas. We suggest using a visa company if you have questions about your work status.

Q: I am working outside of the UK but for a UK-based company. Do I need an NI Number?

A: Normally, if you are working abroad (not residing in the UK) you should not need one (as you will be taxed in your country of residence). We do not specialize in offering information about taxation. We suggest contacting your employer or a personal accountant for further information.

Q: I had an NI Number before. I’m going back to the UK. Do I need to apply for a new one?

A: No. You will only ever have one NI number. It is associated to your person forever. If you have misplaced your NI Number you can learn about how to retrieve your NI number.

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Do you have any other questions or helpful comments to share with non-British Citizens about retrieving or getting an NI Number? Please leave them below. 

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[azanycollectormilkshakeworl-blog]

Boca Raton Florida Cheap car insurance quotes zip 33487

"Boca Raton Florida Cheap car insurance quotes zip 33487

Boca Raton Florida Cheap car insurance quotes zip 33487

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

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Im 18, never had a wreck or any tickets, i live in a small town/rural area in alabama, and i want to know about how much liability insurance would be for a... -2008 mustang -2010 mustang -2012 mustang""

Cost to insure 2008 Kawasaki Ninja 250R?

I'm 18 years old, female, live in Virginia... not sure what else you need to know for an insurance quote, but about how much would it cost to insure? Let me know if you need more info. By the way- I've heard many, many times this bike is great for beginners- is this true? What are your recommendations?""

How does getting a new state license affect your car insurance?

I have a TN driver license. I have a couple of violations on it. I just moved to SC, and I am going to get a SC driver license. I am going to be buying car insurance soon. When they look up my record off of my new SC driver license, will the violation/accident from my TN driver license show?""

What would be a good job for someone who wants to get out of insurance claims?

I want to get out of the insurance claims world. I hate the business and I hate dealing with people who have experience loss. My degree is in English. I have applied to a lot of Human Resources jobs with no call backs although I have an excellent work history with proven results. Thank you for any constructive advice that can be given.

Where does a single woman find affordable health insurance without the high deductible?

Where does a single woman find affordable health insurance without the high deductible?

Family health insurance plan or individual health insurance plans for each person?

I am quoting health coverage in Kansas for my family since we do not get this from an employer. My agent suggested that each family member have a separate insurance plan instead of one family plan to cut costs. I have never heard of doing this? Any comments or suggestions? Thanks

Where can i get the cheapest insurance for my car?

Where can i get the cheapest insurance for my car?

How much is my car payment and insurance?

Hey, everyone else is asking the same 2 stupid questions, now it's my turn!""

Where do I get cheap car insurance in california?

Where do I get cheap car insurance in california?

Car Insurance Company Refuses to Insure my Brother!?

So, my brother got into a car accident about 3 years ago. He was driving his car and a motorcyclist ran into him doing around 90 mph, causing the bike to flip and the guy on the bike to dismount and skid across the freeway. The motorcyclist was lucky he didn't get run over or killed. It was deemed by both the insurance companies that it was the motorcyclists fault and when the motorcyclist tried to sue our insurance company, we got a letter from our attorney that the case had been dismissed and no further action was needed. Today, we got a call out of the blue from Mercury saying my brother couldn't be on the insurance anymore because they had settled with the motorcyclist for $100,000 and basically, if we didn't get him off the insurance, my whole family would be removed. We didn't receive any notification that Mercury was planning on paying this guy out or that our rates would be altered. We called the attorney's office but he wasn't in and we explained the situation and the receptionist said they might of just settled anyway without letting us know even though this whole thing wasn't even my brother's fault. My question is, if the accident was the fault of the motorcyclist and when the motorcyclist initially sued and was denied a settlement (there was no mention of a settlement on the attorney's letter; it just said that it was dismissed), how and why would Mercury give this jacka$$ $100,000 and deny my brother coverage? It's all very confusing and any insight would be greatly appreciated. Thanks!""

Does where you live affect your car insurance price even if you're only third party/fire/theft?

I recently moved to a city from the countryside. I guess I need to inform my car insurance company of this, but I'm worried they'll want some more money off me and tbh I don't have any whatsoever! Do you think they will? I only have third party/fire/theft cover.""

Why do rich people buy health insurance?

like billionaires, why would they but health insurance? it is not like they cant afford the medical bill.""

Where does car insurance go when yo do not have an accident?

what happens to the money you give to car insurance companies when you dont have an accident?

Do we qualify for medicaid?

Medicare for me & my boyfriend.? My boyfriend and I have an apartment of our own. I'm 19(next week), and he's 20(in August). I'm working at an insurance company, and I make about $1500/monthly. He's currently unemployed (he's looking for a job). I pay rent, all the bills, car insurance, and all the other little things. So i'm broke at the end of the month. He has a cyst in his chest (we're assuming). He went for a check up about a year ago, and the doc said it was a cyst. It's been getting bigger and worse, so we want to get it fixed. Since he lives with me, and I make enough for the both of us, will he qualify for medicaid? I WILL NOT be able to afford all the medical bills! Will both of us qualify? How will this be done? They will ask for paycheck stubs and rent papers and everything...right? We are also both in college, we applied for a Pell Grant this semester. If that helps any. And where do I go to apply for medicaid? Can i do it on the phone or something and avoid the 5 hr wait? Please answer ALL of my questions! Thanks!""

Does a teen have to pay extra car insurance if they get their own car instead of using their parents'?

I'm 17 and have a license. We currently pay something like $800 / year for car insurance which allows me to use both my mom's and my dad's cars. If I got my own car, would our rate stay at $800 / year or would it increase because of me being the primary driver / having an additional car to drive / etc?""

Boca Raton Florida Cheap car insurance quotes zip 33487

Boca Raton Florida Cheap car insurance quotes zip 33487

Estimated Insurance cost for 1990 trans am?

Im turning 16 soon and am close to getting my license. Im planning on driving my dads 90 trans am w/ a 5.7 liter engine and automatic trans. Problem is, he thinks insurance is gonna cost a **** load. Does anyone know on average what the insurance price would be. The car will go under my dads name, ill just be an added driver. Plus, another car available for me to get 70 240z w/ a 6 cyl engine and 5-speed trans. Which one will have a cheaper insurance rate?""

Easy ways to save extra money on car insurance?

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

How much health insurance coverage do I get as a military spouse?

I am a newly married Air Force wife. I am currently enrolled for TriCare North Standard coverage for health insurance. Does anybody out there have TriCare North Standard coverage and ...show more

If my gf and i have full coverage car insurance but not by the same company?

me and my gf have full coverage car insurance on our cars, but we have different car insurance companies. would she be able to drive my car as well as i drive her car? If we were to get in an car accident will our insurance cover it? even though we are driving different cars?""

Does anyone besides myself think that hair transplant surgery should be covered by health insurance?

I am a 24 year old male suffering from rapid male-pattern hair loss. My hair started falling out somewhere between ages 18-20, and despite always having a lot of heart, will-power, ...show more""

Why is KTM insurance so expensive?

I just recently purchased a 2008 KTM 250 xc-f, and as part of my loan I had to get it fully covered. I'm just curious why a 250cc dirtbike costs more to insure than my 2004 600rr was; same coverage. Is it because it's new?""

Can someone please help me with a question about affordable health insurance? Please some info?

Where could a 56 year old female find some legitimate affordable health insurance? I would appreicate any advice you could pass along. Thank You so Much!!

Trying to get public liability insurance?

I am a self employed sub-contractor for a drylining and plastering company. I am trying to get public liability insurance but every single insurance website or insurance comparing website keeps asking me for my business details and address and whether I have any employees and how long business has been trading etc....obviously none of these are applicable to me as I don't own and run a business but can't complete the form without the details. Can any other sub contractors tell me how they filled theirs in?

How much is car insurance for 18 year old?

How much would car insurance cost under Allstate in North Carolina for an 18 year old boy? I drive a 2003 Ford Ranger if it helps, I'm a safe driver and do good in school?""

Auto insurance with eSurance. Are they good?

I received very good quote from eSurance on my 2 vehicles. My friends told me that sometimes insurance companies (especially those less expensive) can drop their clients after claim, which results in higher rate later on. Does anybody have any experiance with Esurance and their claim department. I can save a lot of money by switching to Esurance but if that's going to get me in trouble I'd rather stay with my currant provider and pay them more. Anybody experianced droping by the auto insurance company? Esurance have a lot of commercials on TV and radio but does that make them good? Any suggestions? Please give me any answers. Thank you!""

""How to get the cheapest car insurance, when just passed test ?""

How to get the cheapest car insurance, when just passed test ?""

Is it hard to learn how to file insurance as an admissions person?

Is it hard to learn how to file insurance as an admissions person?

Statute of limitations on no car insurance fine?

how long has to go by before statute of limitations is in effect after you have had a no insurance ticket handed to you and does this stand the same if you had hit another persons vehicle with the car that was uninsured.i live in calgary alberta and am unsure of how this statute works.i am not looking for a cop out of this.this occured 3 years ago and i was sent home under the condition that i show up for court.i was unable to show up for court because i had been kicked out of where me and my mom were living and tried to find a place for us.

Insurance on this car?

I saw it and it looked nice for the price, but do you think something is wrong with it or its just a good deal, and what do you think the insurance would be for me when I turn 16, would it make a difference with all the extra things on it or what.""

Is there an individual health insurance plan that has bariatric coverage? ?

I need to find insurance that has the following: 1. Bariatric Coverage 2. Out of Network Coverage 3. 60-100% Out of Network Coverage per day Does anyone out there know of one that has all of these features?

What is the cost of the insurance for the car i want ?

I want a Suzuki Ignis 1.5 sport im just about to start driving wants the insurance going to cost ?

Car insurance increase?

my friend was pulled over for speeding while unlicensed due to a 6 month lapse in insurance, she was arrested and charged with a misdimeanor of aggrivated unlicensed operation of a vehicle as well as speeding 20 miles over the speed limit. She had at least one other ticket from several months ago that she never paid. it was for talking on a cell phone (illegal in nys). She has gotten other tickets in the past as well but those have long since been taken care of. She is 25. she believes that her car insurance is only going to be $80 a month in a few months when she is able to get her license back, and told me that the speeding ticket it will raise it a little, but the driving without a license and not paying car insurance for 6 months does not affect her rate. Can someone prove her wrong? Has anyone experienced an increase in their car insurance because of a lapse or becuase they were arrested for driving without a license?""

""Question about being a teen, and car insurance?""

I am 17 now, I am taking my driver's test in about a week. My boyfriend said that when he got his licence he was automatically added to his mom and dad's car insurance. Well I was wondering would it be the same for me. Because (This might be a little confusing (: ) I was adopted by my birth mother's boyfriends mom, and i live with her and her mom. No one in the house has a car, or car insurance, and my birth mother doesn't have any custody of me but she does have car insurance, and my birth father has half custody of me, and he has car insurance. So.... ha ha my question in general is, when get my license, will I be added to any ones insurance? Or will I have to get my own? Ha ha ALSO, If I do have to get my own what would be the best and cheapest insurance for me? I wouldn't want full coverage, I would just get P.I.P. Please and thank you so much!""

Pregnancy Disability Insurance?

I'm filing for disability in June 15th. I got laid off work from September 2009 and received unemployment till June 2010. I started working in July 2010 and I'm still working. It says on the disability form my base period is the 12 months ending December 31. It's divided by 4 quarters so: 1st quarter- Jan-March 2010 2nd quarter- April-June 2010 3rd quater- July-September 2010 4th quater- October-December 2010 My highest wages was from October to December of 2010. I'm worried I dont qualify because I didnt work from September 2009-June 2010. Can someone explain to me when it says You must have earned at least $300 from which SDI deductions were witheld during a previous period. This is my first time fiiling Disability Insurance so I'm a little confuse....Thanks for your advise and answers :) My total income from October and December 2010 before taxes was $7397.40. I worked from home. I currently reside in Misssissippi, but my employer is in California. I pay California taxes. I worked for a small company. There's only 7 of us total and this includes two of my boss.""

Average monthly Life Insurance Bill?

doing a project in Personal finance...could someone help me out?

Best overall car insurance company?

In your opinion (or based on any experiences) what is the best kind of car insurance?

How much would my insurance be??

i wanted to get a used honda or new hyundai elantra.. im 18 y/o female and first time driver. whats a good insurance to join for teens like myself..hmmm? cheap ones? u agree with AIS?

Are mini coopers expensive to insure?

I'm 17 and I know I can probably ask this question to my insurance company but I'm trying to stay on the down-low for a while from my parents about getting a car. Obviously if I'm going to get a cooper, I'm definitely getting the supercharged S but am not sure if this would be too terrible to insure because I don't know if that's considered a sports car or not. Thanks""

Does a ticket for not wearing a seatbelt increase auto insurance?

I am 18 years old. I have had my license for almost 2 years, and I have never gotten a ticket-until last Sunday. I was one of 4 people sitting across 3 rear seats in a car without our seat belts on. I live in CA and I have AAA insurance. Does anyone know how much this ticket is likely to cost and whether or not I will receive a point on my license? And most importantly if the rates will go up?""

16 year old insurance for a moped UK?

Hey, i'm thinking of buying a moped but before i buy one, i need to make sure that the insurance won't be too expensive otherwise i won't be able to afford it. I will basically be using the moped to get to college and back home. Any ideas as to how much insurance will cost on average? I am currently 16 years of age and will be turning 17 in December 2013. I live out of london if that helps. Thanks in advance :)""

Boca Raton Florida Cheap car insurance quotes zip 33487

Boca Raton Florida Cheap car insurance quotes zip 33487

Car insurance?

im 17 and learning to drive my mum has a black small car ( not sure what make) im a girl houw much would insurance be any sites help

""What are my options, health insurance wise?""

I'm 19 and MassHealth is being a b**** and canceling my insurance. I got no job and I'm a full time student. Is there anyway to get insurance like this? I mean, Massachusetts must have something for people like me. Anyone else having this problem and have a solution? If so it would really help.""

How can I get car insurance?

I just turned 18, i'm going off too college but I have a stable part time job. I make about 500-800$ with a car payment of 300$ And i want to buy a policy for myself. Before i look into that I wanna know about how much should I expect to pay extra monthly?""

My Car Insurance won't pay for my car accident?

I Totaled my 2000 ford mustang gt at an intersection, it was my fault. I ran into a car, and that car hit the car in front of him as a result. So technically i was responsible for damages of 2 cars. I only had liability so i knew my car wouldn't be fixed. But now my insurance company said that my payment for that month was processed the day after my accident, so i wasn't insured on the day of the accident. I just found this out, and i want to know what will happen now that my insurance wont pay for the damages? will the other people's insurance sue me? All answers are appreciated! Thanks!""

I have private health insurance and insurance from work?

I have private health insurance from blue cross blue shield, I also get blue cross blue-shield from the work I do for the state What is the best solution for my health insurance?""

""Cheap, yet reliable insurance?""

What would be the overall consensus on the most affordable car insurance coverage. Considering I need to file an sr22 form, plus I've had a dui and a reckless driving charge. I know that makes me sound like a horrible driver, but honestly I've just had some major bad luck, I'm very careful, never had an accident, just was in the wrong place at the wrong time. Don't currently have a car, but will likely get reliable four door sedan of somesort, newer model. Plus I know that 25 is the year rates drop, I am 24, had the dui nearly four years back and the reckless just over two.""

Should I continue to pay my car insurance?

I've been paying car insurance for a car that has been with a mechanic for the past 7 months. In order to get my car back I have to pay $900.00 USD. Should I cancel my car ...show more

Why do car insurance dealers seek to punish Innocent people.?

no one has car insurance because it is unconstitutional to prove you're innocence. be honest with other drivers and do not pay for car insurance. no one can force me or my family to buy what the are advertising. THE MAIN QUESTION IS: what do you think about car insurance dealers? .

Insurance low balled me on my totaled car?

My car was rear ended and totaled in an accident. The insurance now is offering me a lowball offer that is not even close to my fair market value. They used CCC Services that found 3 comparable cars advertised for sale over 350 milles away from my zip code to determine my fair market value. Is this even legal or reasonable at all??? I researched and found 5 comparable cars within 50 miles of my zip code and faxed it to them but they don't seem to care. What do I need to do? I can't buy car within my market with the payout they offer. What is the best thing to get the insurance to raise the payout??? thanks

Driving with no insurance in Florida...?

I have a question about driving without insurance in the state of Florida. I am a 20 year old college student that cannot afford $483.00 a month in car insurance. If I cancel my insurance and drive without insurance and get in an accident that is the other persons fault, what is the worst that could happen to me? Can they sue me for all I have? If so, what if I have nothing besides the car that is on a loan for $17,000. -If they don't rip us off with the gas prices, they'll be certain to get us with the insurance.""

Is auto insurance cheaper in Texas than California?

Is auto insurance cheaper in Texas than California?

Who do you guys think is the cheapest motorcyce insurance company?

and if you are insured by them do you like the service you get?

If My Mom has insurance coverage can i still get insurance with her if i own my own car?

ok so my mom has car insurance on her car, but she was telling me she registers my car under her name that the insurance will cover me and the car. But if the car is under my name can i still get insurance with her??""

How much does medical insurance cost for a child?

How much does medical insurance cost for a child?

How much would car insurance cost for me if I got a car?

I'm 22 years old and have been driving since I was 18. Never got pulled over, a ticket, or in any accidents since I've been driving. Been on my moms insurance since then but I'm looking into getting my own used car and just curious as to how much it would cost for someone like me.""

Are Replica Cars Cheaper To Insure Than Normal Every Day Cars?

Would An AC Cobra Convertible Replica Be Cheaper To Insure Than Say A Renault Megane CC Or Saab 93 Convertible

Claiming Back car insurance?

Is it possible, i have been paying car insurance on my car for three months, while it has been out of use at the garage i purchased it from, due to the engine blowing! The garage have taken over 3 months to sort it under warranty, and the car is covered under there insurance, i didnt cancel the insurance due to thinking it wouldnt take this long! as i pay 140 a month it tolals up to alot and i was wondering if can claim any of the insurance premium back?? They still have the car useless Evans Halshaw be warned, only had the car 8 weeks..""

Car insurance termination?

I got a very weird letter from Allstate. It was written in bold black text, basically saying that my car insurance will be terminated at the end of my current 6 months period, attached was a copy of a claim I had 2 years ago for a fender bender ($90). When I talked to my agent, he tells me that Allstate cancels everyone who have had a claim within the last 3 years. Can that really be the truth, are insurance companies really legally allowed to drop you due to a claim over a 3 years period? AND will I have problems getting signed up at another company due to this? The state is NY""

What is 20 year term insurance?

Is it a good kind of insurance. I will be 49 in two months. Does it mean if I die outside of the 20 years it doesn't pay off?

Can your car be towed if you have no insurance?

Can your car be towed if you do not have insurance on your car? I was in an accident where the other car did not have insurance on the car that was not his. The police gave us a ticket, which it was our fault, I'm not denying that, but the police drove off not having the car towed . It kinda makes me wonder if the cop let them go with no ticket or anything.""

Car Insurance for a 2007-08 Mustang?

Can anyone give me an estimate on about how much a 17-18 year olds car insurance would be if they were to drive a 07-08 ford mustang please.

Which car insurance should i go with?

i've been with mercury insurance for many years now. but since i've never had to file a claim, i don't know how good they are. i got two lower quotes from esurance and response insurance. i don't know if i should switch. any experience feedback with your car insurance companies would be great.""

Arnold Clark Insurance?

Whats the minimum age to be a policy holder for arnold clark insurance? Ive been told It's either 18 or 19, Do they still base the risk like everyone else as I've also been told that it's a fixed price regardless of risk, the only rating factor is the drivers age?""

Can I still use my provisional car insurance?

I passed my test today, but my mum won't let me alter my insurance because she says I can still use my provisional insurance, as long as I have somebody in the car with me and don't go on motor ways . Is this true, or do I need new insurance?""

About life insurance.......?

My nephew told me that you can take out a life insurance policy on anyone at anytime.....is this true? For example,would it be illegal and/or immoral if my nephew took out a life insurance policy on one of his grandparents,who he knew was getting old and didnt have much longer to live?Could he actually do this and cash in on it?""

Boca Raton Florida Cheap car insurance quotes zip 33487

Boca Raton Florida Cheap car insurance quotes zip 33487

""Car with basic insurance stolen, what will insurance company say?""

My 90 honda civic was recently stolen, and I had the most basic insurance legally possible. Will my insurance help cover this at all? I have car insurance through Omni and I already called them... but I have to wait 24-48 hrs before I'll hear back from them. I think I know the answer already, but can anyone that's been in a similar situation fill me in?""

""Home insurance costs in Slidell, LA?""

Does anybody have a rough idea of the average home insurance prices for home in Slidell, LA above Interstate 12?""

How Much Is Motorbike Insurance for an 18 Year Old?

Hi! Just want to know a rough estimate of how much it would cost to insure a Honda Hornet 600cc for an 18-19 year old on a full licence. I just need a rough idea so i know what to expect :D Thanks in advance!

Insurance deposit for an auto insurance?

I received a quote for an auto insurance and they require a deposit and then the first premium payment..Will the deposit be refundable? Why is there a deposit? Thank you!

Teenage insurance?

Id there any way how you can avoid paying for teen insurance? (Because the family insurer usually raises price as soon as the teen in the family gets license) If not, how to get cheap insurance?""

Car insurance for young drivers?

hi, im turning seventeen this year and im thinking of getting a car so i can get a job to support my family and my girlfriend i was wondering how much it would cost me to insure a 1999 ford fiesta as my first car, i just need a rough idea so i know how much im looking at thanks in advance""

I have moved back to the UK after living in Italy for 30 years. Why are my car insurance quotes so high?

I passed my driving test in 1979 and received a full UK licence. After moving to Italy I had to convert to an Italian licence as I was resident there. I moved back to the UK in August, converted my licence back to a full UK and have been trying to find insurance at a reasonable price. My problem seems to be that I appear as having passed my test in August 2012 and my no claims bonus from Italy is not valid for UK insurers. First of all is this possible and do you think there's some way my driving experience and clean licence and insurance in Italy can be brought into play as I negotiate a new policy here? Thank you in advance for any advice. DI""

Cheapest sport cars for teenagers?

What is the best cheapest sport car and the cheapest insurance.

How much to lease a car (WITH insurance)?

How much is it to lease an economic car (in Canada please), with insurance calculated into the mix? I am willing to pay 4-500 altogether, is this enough? Practical examples from people who lease their car, with how much they pay, etc, would be most helpful. (I am a recent graduate at the verge of starting an entry-level position). I am looking into VW golf and honda civic (hatchback).""

Will this be covered by insurance? i damaged the radiator didn't realize it kept driving and engine overheate?

A little over a week ago i bought a 2006 honda civic from a honda dealership. While driving i hit a rather large pothole that i guess put a hole in the radiator. I got out to check for damage didn't see anything no smells, didn't see anything leaking figured i would continue to drive home. While on my way the car was driving completely normal but stalled out. Apparently the engine overheated and now when the car starts it sounds horrible and stalls if you put it in drive. The car is under the most protection the insurance company offers but someone said that they wont cover the engine because I continued driving on it even though I didn't know that there was something wrong. After further examination The radiator actually got dented and hit one of the fans for the engine but theres no way to tell that unless you lift the car looking at it with the car being normal you cant tell it ever hit anything.""

Need help with Car Insurance?

I am a 17 year old male in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance, as cheap as I can get. I have shopped around and its not helping. PLEASE DONT SAY LOOK IT UP YOURSELF CAUSE I HAVE AND I AM ASKING FOR SOME HELP!!!""

Car insurance?

is there such a thing as shared car insurace, kinda like family health insurance?( like 1 insurance bill 4 2 cars)""

I want to finance a car. Can the registration and insurance be under my brothers' name?

Will a car dealership allow me to register the car under my brother? I want to put the car in my brothers name because the insurance will be cheaper. His credit is in better than mine.

I am trying to show proof that I did have car insurance in 2009 but cant remember what insurence company I had?

does anyone know how to get past records of car insurance but dont remember what company I had

Can you insure a car without a company?

Do you have to go through a company to insure your car, or can you do it yourself? What I mean is that you could put a large sum of money to one side in a deposit and get back what wasn't spent on claiming. This system works for appartment renting, so why not car insurance? Does it exist? Should it exist?""

Car insurance after accident?

I am 18 and have been driving for 1 year, I used to drive as an additional driver on my Dads Renault Megane, I crashed it from spinning off and hitting a wall, luckily no one was hurt, I just had a few cuts from shattered glass. The police have arranged for me to have an interview next week to discuss the consequences, at the moment I have no convictions or anything on my licence, my Dad just bought me my own car and has said he'll pay for the insurance in full, it's quoted at 880 for a year if he pays in full, he was planning on paying in full in 2 days, I'm not trying to cheat the system, but if my dad pays in full and then I get a conviction after the transaction has been made, can the insurance company up my insurance considering I had no convictions at the time? I'm not trying to beat the system and cheat my way, I'm just curious as to what will happen. Thanks for taking the time to read!""

Which to buy?? An Alfa Romeo 147 1.6 lusso or an MG zr 1.4?? They cost the same and insurance is similar. ta.?

Which to buy?? An Alfa Romeo 147 1.6 lusso or an MG zr 1.4?? They cost the same and insurance is similar. ta.?

Do you have to report a DUI to the car insurance company?

My friend got a DUI not too long ago. This is the state of Florida, and she has Allstate. I understand that her getting a DUI is now public records because she spent the night in jail. Because the fact that it's public records now, is she required to inform her Allstate insurance company about her DUI? Also, what will happen either way whether she reports it to insurance company or not? Will they remove her from her insurance or jack up the rates? It is her FIRST DUI and other than that she has a good driving record. Thanks.""

Will police know if your car insurance policy has been cancelled?

Paying my car insurance is my number one priority but after being unemployed for 2 months and finally starting a job, I can't pay my next bill. I called my insurance company and got a 15 day extension but I start my new job on Monday so I might not be able to pay the bill. If my proof of Insurance says it ends in August and I missed July's payment and the insurance is cancelled, can a police officer find out? Again, I am not asking because I want to skip out on my insurance. I have run out of funds and I am starting a new job on Monday. Also, if it matters, I live in Michigan.""

Does anyone know any really cheap car insurance companies for old cars?

I have an R Reg Corsa 1 Litre, and 6 years no claims, but it seems to be the age of the car that's bumping up my insurance policy? HELP!""

If I upgrade to full coverage insurance can I get previous car accident damages fix?

I have liability and I was in a minor car accident two months ago. I need to upgrade my insurance because the bank than loaned me money for the car requires me to have comprehensive and collision coverage. If I upgrade could I fix the damages to my car?

""Need cheap auto insurance, Arizona?""

only drive 2 miles a couple times a week, never had a accident or ticket; 63yrs old,Mesa,AZ""

Do I need to buy healthcare insurance if I turn 26 in April 2014?

This is referring to the Affordable Care Act in the US. I turn 26 in April 2014, but I already have Kaiser coverage under my dad's insurance plan.""

Where do I go to find public liability insurance?

I am starting to run workshops, teaching creative recycling crafts and require public liability insurance. Could you point me in the right direction please?""

I have full coverage on my car insurance..i accidently dented my car and broke the window my self what i do?

i have full coverage on my car insurance ,,i accidently broke the driver side window and dented the door my self,,what should i do? tell the insurance that somebody else did it and have them fix it?..they supposed to right?""

Boca Raton Florida Cheap car insurance quotes zip 33487

Boca Raton Florida Cheap car insurance quotes zip 33487

https://www.linkedin.com/pulse/what-some-cheap-insurance-companies-ontario-philip-austin/"

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San Pedro California Cheap car insurance quotes zip 90733

"San Pedro California Cheap car insurance quotes zip 90733

San Pedro California Cheap car insurance quotes zip 90733

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How much would 6 points on your licence affect your car insurance?

I have just received 3 points and 3 points i have from a couple of years ago.how much will my insurance go up,now i ahve another 3. Please no smart *** answers like well u shouldnt speed ect.. just a straight answer please..thanks xxx Thanks you xx""

What is a good affordable health insurance?

That is no more than $120 monthly. Thanks in advanced

Need help with car insurance?

About a year ago my husband and I sold a car. We went through the usual channels with dealing with the plates, calling the insurance company and so on. Well today we got our yearly insurance cards in the mail and didn't recognize one of the cars they had given us a card for so I went over the statement. It turns out they have been billing us for insurance on a car we sold over a year ago. We never really noticed how much we should be paying in insurance for our cars and only get our statement once a year with these cars. We only pay $1504 a year for what we thought was two cars and I had assumed that was pretty good. In fact we were paying for three cars and an extra $663 a year on the car we sold. I haven't contacted the insurance company yet but my question is what are my options here? Will they give us the money back for the year we payed on a car we legally sold and what do they need, if any, proof of that? We have paperwork of the sale but no real proof we called them to inform them to take the car off the insurance. Will that we enough?""

Insurance for Braces?

Does anyone have insurance for braces that they have used and can tell me about it? I really need braces but my regular insurance won't pay. :( Any help is appreciated! :)

How do i sue someone who doesnt have car insurance?

Last year I had a car wreck. The other diver ran a red light and my SUV done a roll and a half we were upside down after it happend. My teo kids were in the car. he totaled my 2005 ford explore, and then he said he had no insurance i have never been in a wreck so i dont know what to do. Now my doctor bills and the want the payout of the car. What do i do?""

Do i need insurance to mot a bike?

also will the mot service station ask to see my licence?, how much does an mot cost, and how long do i have to wait? its a honda cb 500. thanks""

What is the average price for motorcycle insurance (PLPD or full coverage) for a 17 year old with 0 tickets?

What is the average price for motorcycle insurance (PLPD or full coverage) for a 17 year old with 0 tickets?

What is the best and cheapest company for motorcycle insurance?

I am a rider with 10 years of driving experience but my license lapsed and I was forced to start over as a new driver (M1 graduated liecense). I'm married, in my 30's, I drive a 1999 Yamaha YZF R-6 and have never made any claims.""

How much would it cost on average to insure an Oldsmobile Aurora?

So I might inherit my grandparents Oldsmobile Aurora and I looked it up and it says its a sport sedan. Wouldn't that mean that the insurance will be double because it is a sports car?

Can you ask a car insurance company to lower your rate/payment?

If so, how would I go about that? I know that many companies have loyalty/continuous coverage discounts, but the discount for my current insurance really isn't enough, and my payment (I make a full, 6-month payment) goes up every time. Should I ask for a specific amount/percentage? Should I ask them to keep the cost the same as 6 months ago, etc? Thanks for any advice. **I've been with the company for over a year.""

Will my insurance be cheaper if my dad keeps my car in his name?

So my dad is giving me a car, he got a few insurance quotes but they are as high as $600. If my dad keeps the car in his name and just adds me as a driver will my insurance be cheaper? Please help!!!""

What is the cheapest scooter insurance in California?

I have a 80 cc scooter. I ride for pleasure , not commuting far distance. Right now, I am renewing, but $200 for 1 yr. coverage is to high. I'm a college student, 20 yr. old. I didn't take the driver course. Any students out there who have scooter insurance? what you have?""

How much would a 2005 car cost to insure about?

So i am 16 living in massachusetts and found a 2005 acura that i want to buy and its only $2750 so i can afford it. The only problem would be paying for the insurance. So im just wondering about how much my insurance would cost for the car, i just need a good estimate, thanks.""

""I have a 11 month daughter, and i want to buy affordable health insurance for her.?""

I have a 11 month daughter, and i want to buy affordable health insurance for her.?""

How much would insurance be for a seventeen year old female driving 1999 Chevrolet?

I am sixteen i turn seventeen soon. My grandma will not keep me on her insurance About how much will insurance be for me as a 17 year old female driving a 1999 Chevrolet

How much would my insurance be is I have 4 points against my license?

I gotten 2 speeding tickets within 6 months (4 points in south carolina...I have a good reason to be speeding!)...I am currently uninsured but my vehicle (2000 Honda CR-V) is insured under my mom's insurance with Geico... I'm 19 years old and soon I will have to register my own vehicle and get insured...my mom doesn't know that I have tickets. I go to college and I'm a pretty good student (4.0) would I get a discount with that? Also, what is the cheapest insurance? Thanks!""

Do you have to have insurance to register your vehicle in California?

I called the DMV to ask this, but I have been on hold for about 40 min.""

Will a provisional influence car insurance?

Hi guys, Im thinking about getting myself a car when Im 17 and Im looking into the insurance and what type to look for so I can save and know what Im looking for. So I was wondering if I have a provisional moped license will that help to lower my car insurance? and what car should I be looking for that cheap and easy to run and best on the insurance. Thanks in advance for your help.""

""Rover car 1996 and 1989ford transit van, one insurance?""

how much for comprehensive 1years Insurance for 40year's no claims, now aged 66years old.""

""Does your car ins really drop at 25, and how much?""

How much does it typically drop for a woman? If I pay 82 a month now, how much can I expect it will go down? I have nothing on my drivers record, no accidents or tickets, claims, ...show more""

""How much will I have to put down and pay every month if I want to purchase a $30,000 car?What about insurance?""

-first time buyer -New York State -Salary is b/w 35,000-48,000 -always on time with my credit payments""

Cheaper Insurance on Mitsub evo?

Im looking into buy an Mitsubishi EVO 8 but the insurance will be way too expensive. If i finance it and put the car in my moms name and the insurance in her name could i save money(my moms like 54). My insurance company says i can use other peoples cars as long as i have a policy myself which i do. How much do some of you people pay?

How much is car insurance for a 17 year old female?

how much is car insurance per month or year? i have a 1995 model volvo. how much would it be when im 18? i had my license since i was 16 1/2.

Can I get temporary insurance on my dads car?

My dad already has insurance on his car but I want to get temporary insurance while I am at home from uni. I tried looking on the company he was with and I from what I checked, they wouldn't give me a policy. Would I be able to get temp insurance from another company even though my dad has insurance from a different company?""

Do I need a consent to settle by my own auto insurance company?

The guy who hit me does not have an ample amount of insurance to cover my injuries. They are offering me the policy limits to settle. My own uninsured or uninsured motorist has been given enough documentation to know that my additional insurance will come into play. I have filed suit against the guy and his insurance company, but do I need a letter of consent to settle with them from my own insurance company to make sure that my uninsured motorist coverage will still be available to me. I really think it is criminal for any insurance company or state to make the limits on auto insurance so low, when the average cost of an auto accident is higher than the minimum coverages that they allow drivers to driver under. Also, there are many attorneys that wont even look at taking a case unless the limits are much higher than state minimum, because they can make considerably more on those who are very well insured. My own insurance company is treating my like I am retarded, and I was until I started reading all the insurance laws and bought a very fine civil litigation book for 4 dollars, best investment I ever made. But I am no Pro Se expert, my hat is tipped to you attorneys and insurance adjusters. What a stressful job you have and so many laws to abide by and to follow. I can only get better the more I read the more I know. Thanks for your time.""

San Pedro California Cheap car insurance quotes zip 90733

San Pedro California Cheap car insurance quotes zip 90733

Teen auto insurance 600$ a month WTF??

i just got my license today i'm 18 male NY completed drivers ed, i did a couple of quotes online for a cheap old beat up car like a 95 chevy caviler and most of them gave me three thousand dollar 6 month premiums, which is 500$ to 600$ dollars a month for a a piece of junk car! what kind of bull is that?? thats like a month of rent!!!!!!!!! someone should sue those corrupt bastards!""

How much does insurance(auto insurance) cost for a 56 year old with perfect records?

I was wondering how much insurance would cost for a 50+ year old, and which would be the best insurance, and also the cheapest.""

What's the cheapest way of getting hire car insurance?

I don't really want to pay $25 a day for insurance excess reduction!!

DMV proof of insurance?

ok so im 16 and i live in california the dmv wants proof of insurance for my drivers test, my dad added me to his policy but the insurance card says his name on it but im included in his policy so can i just show them the card with his name on it?""

Does Geico Car insurance cover Rental Cars?

Does Geico car insurance cover rental cars? Or does it JUST cover your car that you have insured w. them?

Should I change car insurance?

So here how it goes. I want to get a new insurance for my Mom's car. She is 52 years old women who drives a Honda civic 2002 Sendan that was totaled and repair before. She is paying 1,600 a year and I think that's a lot for liability . She used to have a car before that was in an accident(my brother hit somebody else car) and we had to drop that insurance(progressive). Two years after my brother broke another car that my mother bought but this time the insurance company(state farm) did not find out. Right now we are back to progressive and a car hit me while driving and I did call the insurance. It was not my fault and I don't think anything changed because we are still paying 1,600 but I still think its a lot. It is the best I can explain the situation , so should I go out and try to find a better deal? Any advice is appreciated""

No insurance ticket do i have to be under the insurance of the car i was driving in?

ok so i got a no insurance ticket but im not covered in the car i drove in. i drove my parents car and so i couldnt find the insurance card when i got pulled over. i rarely come home i live about 400 miles away. the car has insurance and i am just waiting for my letter to come. so in Californa do i have to be under my parents insurance to get my ticket cleared?

How much insurance should I have on a 12 year old car?

Should I have full coverage or can I get by on something less?

Best Insurance Rate/Company after DUI/DWI?

I got a DUI about a year and a half ago (Yes, I know very stupid) I switched insurance companies after it happened to get a better rate. I am with Progressive now and paying about $190/month. I live in NC and drive a 10 year old Jeep Wrangler, I have an excellent driving record with no tickets or accidents, the only thing on my record is the DUI. Does anyone have any advice on which insurance company might offer the best rates or if there is anything I can do to lower my rate? Is there any way to get coverage without them checking my driving record and seeing my DUI??? Thanks""

Car insurance - first time driver?

First time driver :) I'm 19 & female. I'm hopefully getting a car by the end of the year. So I was just checking the general insurance prices (I know they change regularly, but I just wanted to see) Anyway, I typed all my information, I was the main driver (I didn't put my parents down as additional drivers either) and the cheapest price was 694.94 - would that have been for the year? It was full comp too. It also had a total excess price, what does that mean? I'm really confused; I though first time drivers had high insurance?? Thanks! Also, I have a job so I will be paying for everything. Not my parents. I put in the quote that I had a full driving license, not provisional which I have. Just that I hadn't bought the car. I clicked on one of the quotes & it showed 11 monthly payments of 66.27 and the full total as 798.49 BQ: If I got my car within the next month; then asked my dad to teach me, would I then be able to take a couple lessons with an instructor before I took my test? Or would I need to have all my lessons with an instructor?""

New teen driver insurance?

I just got my license about 2 hours ago. something just came up and I really need to drive somewhere. My parents have Statefarm insurance, but obviously haven't added me yet. Does statefarm have any type of temporary coverage? Can I leave now or do I have to wait until my parents can add me?""

Am I paying a reasonable amount for car insurance?

I am 21 listed under my parents insurance with Progressive. I got my license at 16, and have no tickets, but one accident that was a no-fault to me. I am currently paying 120 dollars. ...show more""

Auto insurance question Re: teenage driver?

My 17 year old daughter is currently on my automobile insurance policy. She drives my car at times. She'll be 18 next February. Sometime this year, I wanted to get a new car and give her this one. If we have the car registered in her name when I give it to her, does she then need her own seperate insurance policy? Can she still be under my insurance although the car would no longer be registered in my name? I think seperate insurance for her (at her age) would be considerably more expensive. She's still a student and not working yet. Any insights on this would be appreciated.""

How much will insurance be for the smart car that will be released in 2008 in the usa?

will there be a big from the other cars?

What's the best company to get individual health insurance? What organizations offer group health plan?

I am talking about health insurance that covers doctors, prescriptions, and hospital expenses.""

How much does motorcycle insurance cost?

Im planning on purchasing an '08 kawasaki ninja 250 for college but I am doing so without my parents approval which means i have to pay for everything (bummer!) But I was wondering how much typical insurance would be for a bike like this???

""What is the pros and cons of 3rd party,fully comp and no insurance?""

What is the pros and cons of 3rd party,fully comp and no insurance?""

Cheapest car insurance company for my situation?

What company can provide me with the cheapest insurance? I am -19 years old -a student who is taking a semester off -female -hispanic -broke as hell My car is a white 1995 Geo Metro manual with a new lcutch and a bunch of brand new repairs on it.

How much would motorcycle insurance cost for a young and new driver?

So I 'm 18 years old and thinking about getting a sports bike. I have a drives license and haven't gotten any tickets yet. I just want an estimate on how much i'd be paying in insurance every year..and which insurance company provides the best price? I'am thinking of buying a used sports bike but am not sure on which one yet. Thank you in advance and If you don't have anything nice to say please just move along lol:))

Car insurance per month?

I was just wondering if any one could give me a close estimate on how much car insurance would cost a month if you drove a 2003 Cadillac CTS & were 16 years old. The car is used. Please don't say depends what insurance company you have. Thank you.

How much do you pay for car insurance? (teenagers only please!)?

I'm turning 16 next week and was hoping i could get my license right away, but my parents can't afford to pay for my car insurance. It would be really helpful if teens with basic liability coverage could give me an estimate of how much they pay for car insurance. Thanks!""

How much is my no registration and no insurance ticket going to cost?

This is in California, if you have any idea please lemme know thanks!""

""Cheapest car for insurance, and also cheapest insurance company in uk?""

hi, I have just passed my driving test, so I am looking to buy a car. As I am a new driver, I would like to get some tips and help about choosing a car that is cheap to insure and also a cheap insurance company. to give u an idea I have around 2000 to 2500 pounds to spare for a car and insurance. do u think it would be possible with my budget Please help.... thanks.""

""My wife is pregnant, we do not have insurance. What should we do?""

We do not have insurance, but are having a baby. We are happy to add to our family, but do not know how we are going to be able to afford the up coming medical bills.""

Question about me (22 years old) and my dad's car insurance?

i'm getting a used car soon and i'll be paying for it. it'll be in my name. i'll be the one who drives it, so i won't be an occasional driver. i live in georgia and my dad has state farm. he says that i'll be under his car insurance because it'll be cheaper. i live at home with my dad. i read online about fronting and i don't intend to do that. are there any ways other than fronting that i can be with his car insurance or would i have to get my own car insurance? i just got my license a month ago and i have a full time job if that matters. thank you in advance.""

San Pedro California Cheap car insurance quotes zip 90733

San Pedro California Cheap car insurance quotes zip 90733

Male/female insurance question?

Is there a statistic that says how much or by what percentage female drivers is cheaper than male drivers? Are there any websites that show statistics similar to this about gender related insurance/driving? Thanks.

""Who, out of the two of us, is likely to pay more for car insurance?""

My partner and I don't live together, but we share her car. She has just recently had 6pts added to her driving licence, as for myself, I have always had the use of a family car now and again, I have been insured to drive, but haven't owned my own car, for over 25 years, which of us will have to pay more for insurance, at roughly what percentage?""

How much would it cost to add me as an occasional driver?

If I get a new car and its under my mom's name but I'm listed as an occasional driver wouldnt that be way less expensive than having my own insurance which would cost about $1500? I'd only be driving the car to and from school and occasionally out to the movies or something. So would that work?

Question about getting a car insurance quote?

If I go to say, State-Farm's website and get a quote. They need information like my specific address. I'm new to this, why do they need phone numbers or addresses? Am I going to receive spam mail from them or something? I know where I live affects my car insurance, but a specific address.. I'm just lost. Thanks""

Complicated car insurance question. Car damaged mulitple times. How should we handle this?

My husband and I bought a beautiful gold ford escape two years ago and, since we are still making payments on it, it is fully covered by Geico. Last winter, two separate events ...show more""

Possible to have such cheap car insurance at 20 years old?

Hello all, i'm looking for car insurance on gocompare.com site and if i'm taking the insurance on my own name, the price comes up at 1,200 for a 1995 Ford Fiesta LX 1.2. I am 20 years old, male and held the licence for 1 year (1 year and 6 months to be exact) and have 0 NCB. Now, here is where the 'cheap' part comes in. The 1,200 was ON me as a prosper and owner of the car. If i put my step dad as first driver (main) and me as an additional driver (second) it comes up as 1,500 for insurance. How is that possible? He has 6 years no claims and held the licence for over 20 years. Never made a claim or had accident. Now if i put my self as FIRST driver and him as SECOND driver, meaning that everything goes on me and i would be getting no claims bonus every year, i get the price at :- 750! Now basically my question is - Is that possible? The companies that are at 750 are Diamond, Elephant, and Admiral. Then the prices goes up to 1,500+""

So is the car insured or the person? can i deliver pizzas on someone elses insurance/car ?

hi i have been given a good opportunity to start working and a great friend willing to lend me their vechicle to deliver pizzas, reall good friend. the car is insured and i live with friend if that makes a difference anyone know for sure ? Do we got to let the insurance company know or what ??""

Is it cheaper to have two people sharing one car and insurance?

Basically, both going to be learning together then buying one car for us both. We'll both be new drivers and we will use the car whenever we both need, kind of new to this so any information will be helpful :)""

Does an not guilty accident effect the insurance rate in California?

the type where the opposite side confesses of their guilt but the case goes to insurance. will next time my insurance raise or it will be unaffected?

How much higher will my insurance go up with a point on my license?

How much higher will my insurance go up with a point on my license? I got pulled over for not stopping at a stop sign completely... this is in california. My insurance is like 300 every 6 months typically.

Question about unemployment Insurance In california?

I have to send my form on the 12 of december. If i dont send it by that time.say about a week later will it be a problem? when is the latest i can send it through the mail? anyone know?

What is the average auto insurance cost for young drivers?

I know there are many variables, but I really want general monthly cost for young drivers please""

How much would insurance cost?

I'm 18 years old and live in Suffolk county new York on the east end of long island. I drive a 2002 red dodge intrepid with 140,000 miles on it. It's an R/T which is a sport edition!!! The car has a few dings on it. I have no convictions on my license or points and I am a male. How much would insurance cost per month and what company is the most reasonable ? Any info at all would be great, thank you!!!!""

Health Insurance Out of State?

I have pectus excavatum and I live in Marshalltown Iowa. I want to get a cosmetic procedure done called the nuss procedure. Most insurance companies say they cover this surgery. I know for a fact that my condition is severe enough that I could get the procedure done. I also want to get the procedure done out of state because the only doctor that's able to do it in Iowa blows and nearly killed 2 people. What type of insurance do I need specifically need for this? I can spend 300-350$ maximum but would like to spend 200-250$ for insurance. Pectus excavatum is classified as a pre-existing medical condition so I have been told that it would be hard for me to get insurance. Right now I have IowaCare which is a joke and only covers surgery or hospitalization in Iowa City. Thanks!!!

What is the cheapest car insurance?

What is the cheapest car insurance?

How much does the average person pay for health and dental insurance monthly?

How much does the average person pay for health and dental insurance monthly?

How will canceling my auto insurance effect my credit?

I have insurance right now on my car that is quite expensive. I've had it for a month but I found a cheaper one I'd like to switch to. Will it effect my credit or anything of that matter in any way?

Cost of insurance for a 16 year old?

I am turning 16 in may and i can't wait to get my license but i am also starting to think about insurance. It is going to be sooooo much. I have a '85 corvette but my dad told me they have to insure me with the most expensive car they own. This would be a 2002 F250. I was wondering which one would be cheaper and about how much? I was thinking around 200-300$ a month but i have no idea? and how much difference would it be between the car and the truck? please help?

Multi Car discount on car insurance ?

Can any insurance agents out there please tell me - roughly what % discount on the total policy premium would I get if I qualified for the mulit-car discount on my car insurance policy? I am with State Farm if that matters at all. I am currently at $400 every 6 months for my pickup truck & am wondering if we add another car in our household onto the SF car insurance, how much would I save on the $400 every 6 month truck premium? Thanks very much.""

How much does motorcycle insurance usually cost?

I'm 18 with a honda super blackbird cbr 1100x in Colorado

""Does anybody know where to get a cheap 50cc twist and go moped, with cheap insurance?""

Does anybody know where to get a cheap 50cc twist and go moped, with cheap insurance?""

Online Instant Quotes Insurance for teenagers?

Out of curiosity, I happend to try the Instant quote thingadoodles on the various insurance websites (progressive in particular)... and knowing how high insurance is for teenagers, I decided to try getting a quote for an 18 year old, on various vehicles (ones I own in particular). Basically, I got the quote for a 1998 Ford Crown Victoria (non-P71), and the outcome was right around $2500... for six months??? That's $5000 a year! Are these online insurance quotes realistic? I see a lot of kids driving full size trucks around, and I really wonder how they can afford insurance... but for a fat-cat luxury car, they're charging horrendously! Are these quotes realistic? Next up, I really wonder how all of these kids are driving SUV's and full size trucks.""

Baby insurance HELP!?

im getting ready to have a baby in two months and i still dont have insurance for him...i dont know how and what kind to get please help???

What about of 200% my current rates is supposed to be affordable?

The only way the Affordable Health Care Act can be affordable is if Bernanke works those printers even harder then they are now.

How much does moped insurance cost?

i am 15 and live in new jersey. i want to attach a 49cc engine to my bicycle. i have done a lot of reading on the subject and have come to find out that this qualifies as a moped. in order to ride it on the street, one of the requirements is insurance. I just want to know how much it costs before i put any money into it. thank you for your help!""

San Pedro California Cheap car insurance quotes zip 90733

San Pedro California Cheap car insurance quotes zip 90733

Is burial life insurance different from final expense life insurance?

My mom has been wanting to buy burial life insurance but is confused about the terms she sees online. She says she keeps seeing the term final expense life insurance on some of the websites. Can someone explain what the difference in these two terms is?

""Help, I need suggestions for health insurance. Please and thank you. Any ideas?""

My mom got laid off last year and I was on her health insurance. I'm 18 and I attend college. I'm looking for a low cost plan that will cover vision, dental, and regular check ups. Though something without vision is good also. I have no idea where to look. I don't want medicaid. Female, 18, single, no children, no disabilities or medication. Please help.""

How much will my insurance be?

I found a 1999 Mitsubishi Eclipse and im concerned about the insurance since im 16. sport cars= more expensive. Lets say if a Crown Vic was $130 a month, how much would a sports car be? I will also be on my parents insurance witch there is three cars already on there insurance so the cost will go down some i believe. If i maintain a B- or higher grade for school my insurance will go down an additional 10%.""

How much is the average insurance cost for a new driver?

Hi in 3 months, my daughter is getting her drivers license. I just want to know the average cost to insure my daughter. I have a great insurance company, but I am sure they would be too expensive for a new driver. My daughter has all A grades in high school, but I dont know any more information that would change the price. We have a Honda Minivan, so she would drive that, not a fancy sports car. Thanks!""

""I have a company car, who should pay for the car insurance?

I have a year contract with this company and they are giving me a car for the duration of my employment. they told me i can use it for personal as well as work use. they told me i have to pay for my insurance though. is that fair?

Insurance on this car?

I saw it and it looked nice for the price, but do you think something is wrong with it or its just a good deal, and what do you think the insurance would be for me when I turn 16, would it make a difference with all the extra things on it or what.""

How much is too much for insurance?

Hello. i own a 300zx twin turbo, i have modified it my self with some stuff.. but thats not importent right now. my question is that the cheapest insurance i can get for it with full coverage is around 250 a month..Im willing to pay for it, just because i love everything about this car.. but to my self i think its far too much. im 19 years old, and i was wondering what kinda stuff brings down the amount i would have to pay for insurance? ( i got my license when i was 18, ive had it for about a year now) thanks.""

What kind of insurance as i have medicare?

i was wonderin what kind of insurance as i have medicare

Is motorcycle insurance normally cheaper than car insurance?

For example if I wanted a Kawasaki Ninja 250,compared to a Toyota Corolla?""

Car insurance price after a year still high. Any suggestions?

Hiya, So basically I have been driving for a year as a named driver on my dads policy. In that time I haven't had one accident or claim, no speeding tickets and never ...show more""

is it a good idea to get life insurance

is it a good idea to get life insurance at the age of 22. and if so any suggestions about a company that`s affordable

How to Find Quickly Best Term Life Insurance Quote?

How to Find Quickly Best Term Life Insurance Quote?

Where can I find a good car insurance?

I leave in Los Angeles. at the present time I have insurance with Farmers but I want to change it because it is expensive. I'm thinking about Progressive Insurance, What do you think and what else do you suggest? Thanks""

Do i need liabilty insurance?

I valet cars for extra cash. Do i need liabilty insurance by law?

Car insurance claim against me?

Hi, I have received a letter from my insurance company stating that i have had an insurance claim against me, and i asked them for more detail, the time and date. They gave me the place and date, and i was there at the time of the incident, but i did not hit the car that they stated. I was parked (front of car) against a metal barrier, spaces either side of me, but someone went and parked behind me. i got my friend out the car to guide me back as i did (sort of a 3 point turn) to get out sideways. I did not hit the car. Someone was approx 50-75 feet away and they must have taken the reg plate. There was noone else around at the time, otherwise i would have asked them to move their car. Please help!!!!!!!""

How much has your health insurance gone up since the affordable health care act was passed?

I just got notice mine went up by 33.5% last week. Why is my insurance getting less affordable instead of more affordable?

Motorbike insurance cost?

hi all i have just passed my bike test and was wondering how much insurance would be for a 125, 250 range engine im 18, 0ncb any suggestions would be good cheers""

""Adverse price of insurance for 50cc moped, I'm 16?""

I'm 16 years old and going to take my cbt for a 50cc moped, what would be a rough estimate of the price of insurance yearly or monthly I would have to pay for it?""

How many of you are paying around $200 for car insurance..?

if so what kind of car do you have..? i am trying to get a car pay it in cash and just pay for the car insurance..

Car insurance question.?

If you are in an accident does your insurance company only pay to fix your car or can they pay you like cash for how much the damage costs?

How will i know which insurance group my car belongs to in UK?

is there a website to find car insurance group?

""How much would i pay per month for insurance on a $100,000 condo in northern virginia?""

say the condo is a few miles outside DC, is worth 100,000-120,000 whats the ball park amount id have to pay for insurance each year?""

Is There Any Way(s) Of Lowering Your Insurance Rate?

So I Have Two Tickets For Speeding Offenses, But I Don't Want The Insurance Company To Charge Higher Rates. I Hear The ONLY Way To Lower Insurance IsTime, About 3 Years! Some Help Or Suggestions Would Be Greatly Appreciated""

Is this the best way to go about cheap car insurance at 17?

Get insured on my mother's car for a year then get my own when the insurance drops.

Best insurance in Illinois?

I am a young adult, soon I will start going to college and I would like to know what insurance would be best and cheapest, because I will need a lot of money for college. Thanks in advance""

San Pedro California Cheap car insurance quotes zip 90733

San Pedro California Cheap car insurance quotes zip 90733

https://www.linkedin.com/pulse/would-my-insurance-rates-go-up-i-switched-banks-noah-coleman/"

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Arcadia California Cheap car insurance quotes zip 91066

"Arcadia California Cheap car insurance quotes zip 91066

Arcadia California Cheap car insurance quotes zip 91066

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

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I have been with Bupa health insurance for years but have never used them. I'm 21, Do you think I'm to young to need insurance as I will most likely not need any untill I'm in my 40s. Is it a wast of money? Its only 52 a month so not to expensive but I suppose I could spend the money on things I enjoy. What do you think.""

""An insurance company will insure a $260,000 home for its total value for an annual premium of $590. If the com?""

An insurance company will insure a $260,000 home for its total value for an annual premium of $590. If the company spends $30 per year to service such a policy, the probability of total loss for such a home in a given year is 0.001 and you assume either total loss or no loss will occur, what is the company's expected annual gain (or profit) on each such policy? I think maybe 300$?""

How much woul motorcycle insurance cost if.........?

45 years old, driving for 29 years have all other liscenses exept m, suzuki gs550""

Car Insurance question - Do you own your home?

We just got married and the house is in my husbands name, even though I am on the deed papers as well. I am just applying for a car insurance and I'm not sure what to answer to that question... Any advice please?""

Which auto insurance co. in AZ. is the most affordable? why do they do credit checks?

Which auto insurance co. in AZ. is the most affordable? why do they do credit checks?

Is a scraped car door handle worth the rise in insurance rates?

If someone scraped against your car door and the only thing damaged was the handle on the passenger side door, would you file an insurance claim and risk a rise in insurance? The scrape is only about 1-2 inches long.""

How much will my insurance cost? Just turned 16?

I want to get a 1994 Mitsubishi 3000gt, but my dad said the insurance would be way to high. Can anyone estimate the price per month insurance would be for a 16 yearold that just got their first car and lisence? Thanks, Dustin""

So I'm a little confused about car insurance.?

So when the feeloaders who are generally poor and cannot afford car insurance, don't buy car insurance, which way is cheaper??? The gov't taxing me to purchase car insurance from the insurance companies for these freeloaders ? OR the insurance company simply raising my rates to cover the freeloaders ? You see, it seems to me that adding an additional layer of gov't beauracracy would cost more, but I have been told I am wrong. Am I wrong?""

Need senior insurance advise?

my mother has a supplemental insurance health [anthem] we recently received a letter that informed us that because of the cost of living..it is necessary to more then double the monthly premiums..when my mother used a ambulance service...god bless this insurance. they paid 13 dollars and we had to pay the rest.the insurance sucks!..does anyone have an alternative supplemental insurance and has anyone tried the ARRP program..moms Aricet is 300.00 a month alone..so i found out i can get this in canada for 50.00 a month..i now order my mothers pills a little early and save the excess pills for when she gets in that infamous donut hole...its a killer out there.mom has dementia and does not have the strain that i have trying to keep her in good health.any advise would be appreciated....

300cc Moped Insurance...about how much would that cost?

I know lots of factors go into calculating insurance costs, but about how much do you think insurance for a 300cc moped would cost per year or per month? Thanks.""

For Farmer's do auto insurance rates increase with cost of repair for a claim?

For Farmer's do insurance rates increase with cost of repair for a claim? Or is it determined by number of incidents and points on your record?

Cheap car insurance for 17 year old?

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What kind of life insurance should my husband get?

We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we're trying to figure out what would best provide for the family if God forbid something were to happen to him.

I'm roughly 14 weeks pregnant with no prenatal care or insurance. What are my options?

I'm assuming I'm around 14 maybe 15 weeks pregnant & I haven't had any prenatal care nor do I have health insurance. With my first pregnancy I qualified for Medicaid & left the HHS that day with it! This time they have been dragging me around since March, losing things, accidentally deleting files, denying me & then asking me to reapply. All of this over & over again, it's just been very unorganized & stressful. Not to mention I had a meltdown & told them that I NEEDED TO GO TO THE DOCTOR, so please let me know what to do! This was a month ago, they still say things are pending & I could expect to wait 30 more days. This is adding such a tremendous amount of stress to my pregnancy, I just want to see my baby. Are there any other insurance plans for pregnant women? I'm not married, but my fiance has a well paying job. Naturally though, I can't receive insurance through his job until we are officially married. We attempted to make an appointment & self pay, but during that one visit they demanded $600 up front, which we weren't prepared for. I refuse to go to a clinic simply because my last pregnancy was high risk & ended in an emergency C-Section & there were complications & I'm sure this one will be the same, since I ended up getting pregnant before the desired waiting time for a previous c-section. Not to mention, my OB/GYN has been my doctor since I was 13 & he is truly the best where I live. I just wouldn't be able to trust someone else. I live in Texas by the way. Do any of you have any ideas?""

Do you think if I worked at McDonalds I could be able to afford a mustang GT and pay for car insurance?

I want to buy a mustang GT. I prefer a 99-01 year. Which would probably cost me about 400-500 a month paying car payments and car insurance. I'm only 16 years old. But I plan on getting a job when i'm 18 and buying a car. I also need to get my GED, which I start taking classes for that next fall.. because I dropped out of school for specific reasons I wont talk about here. If I work 6 hours a day and earn 7.40 an hour for 5 days a week, thats about 880 bucks a month. Plus my parents could help me out a little. I would use all the money I get from work for the car payment, insurance and gas. Would I have enough money?""

Car Insurance for a friend?

I have a friend (single mom of 2) and she needs to get cheap car insurance on her ford explore. She let it lapse for 6 months and now her loan company wants to repo her car, even though she has made every car payment. (she leases her car)...(kinda like rent to own) She got a quote from my agent, but it was going to be way too much for her. I am guessing since she still owes on the car she has to have full coverage. And can only afford less than $100.00 a month on it. She is a renter, she is going to school, and has bad credit. Are there any companies out there that she can get a good deal or at least get coverage for 6 months and re-apply with a better company?? The only one I have found out there was the general.com. And they seem to be ok...but I don't know what other options she has. Thanks for reading this!! 10 points to the best answer!!""

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I need affordable and reliable health insurance. 23 yrs old.?

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Car insurance help needed?

For reasons I do not want to discuss here, my car has not had auto insurance on it for about a year, it has not been driven only set in my garage. I am trying to get insurance on it again so I can drive it again, but because I put I have not had insurance for a year the monthly payment is not manageable, if I put that my last policy ended a week ago and get a policy online will I need to show proof of this or is there another way to get insurance and not have to pay such high premiums?""

Why Is my car insurance so expensive?

I'm just trying to find a good quote for the renewal of my car insurance, due in November 10. The cheapest I can get for a THIRD PARTY FIRE & THEFT only is 800!!!! for the following circumstances: Driver: male 32 yo, EU national living in the UK since 2003.Home owner. No convictions or anything like that. Full UK licence that I got converted in 2005, though I had held a full EU licence for 9 years before that. In full employment. The car: 1998 R reg For Fiesta LX 1.8 Diesel. 3 doors hatchback. Kept in a secure (bollards) street at home during the night and in the company's hyper secure car park during the day. Miles per year: up to 9000. With factory fitted immobiliser plus a anti theft wheel lock. The postcode is not the best, but it can't be the reason for it being so expensive, because my neighbours pay something ridiculous, like 30 or 40 per month for a fully comp policy, and also, because it's not a fully comp policy that I'm after and the car is so cheap (600) that it wouldn't make sense. I'm even ready to go for a third party only, but it turns out even more expensive in the searches... I've even tried with other cars with smaller engines thinking that maybe replacing the car would help... I'm really confused, and that famous website is not helping at all. Hopefully somebody can shed some light on where the problem is. It'd be so very much appreciated...""

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How much would car insurance cost for a Corvette?

If you are 16 years old and a Male

What Auto insurance is more affordable and dependable?

nation wide..

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Arcadia California Cheap car insurance quotes zip 91066

Arcadia California Cheap car insurance quotes zip 91066

16 Year Old Car Insurance!?

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Can Drivers under 18 without a car drive with their parents insurance?

I just got my drivers license and I don't have a car. Im not 18, and i don't think i will be driving enough to have to need a car, or to pay insurance every month. But if ever ...show more""

Is there a group health insurance I can join?

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Why is car insurance expensive for young male drivers than female drivers?

Why is car insurance expensive for young male drivers than female drivers?

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Life insurance policy?

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""Car stolen, insurance paid out, car recovered.. What happens next?""

My friend had his car stolen two years ago, and so he claimed on his insurance. After paying his excess, he received payment from his insurance company. Last week, his car was recovered. What happens with the car now? Will the insurance company keep it/sell it to cover what they paid out? Will it be returned to him?""

Someone hit my totalled car what will their insurance do to figure out how much to give me?

Someone hit my totalled car what will their insurance do to figure out how much to give me?

Cost of Cancelling multiple 6-month car insurance policies in US?

I am 18 years old, male, clean driving record, good student, going to college. I will only be going home for occasional weekends, and vacations, and I would like to be insured so I can drive my car (saturn 2000 sl) around. I don't want to pay for the high cost of permanent car insurance, but want to be insured when I need it. I looked up ways to get temporary (short term) car insurance and I basically found that if you are under 21, you cannot pay daily or weekly. I also found that US insurance companies generally offer policies that are at least 6 months. Since I want tthen you can only get 6month or 1 year policies. They suggest getting the 6 month policy and paying monthly, and then simply canceling the policy once I am done with it. Therefore if I did this, I would be buying and canceling many policies every year. I would maybe do this a few weekends every semester and also winter, spring, and summer break. So basically I want to save money by foregoing yearly car insurance, but instead would like to do what I stated above. The big question is: IS IT WORTH IT? Ordering, and then cancelling up to six to eight 6-month policies, each paying for the first monthly payment. Note: I currently have MetLife. Thanks!!""

Car hit me but i have no insurance. What will happen?

I was hit by a car, and it was the other drivers fault, but i didnt have insurance when this happend. Can the others drivers insurance still pay me for the damage on my vehicle? Or what will happen?""

Young rider needs insurance help (motorcycle)?

Hello I am completing my motorcycle course this week and will be obtaining my m2 license, I was considering buying a motorcycle. I am a 18 year old male and was wondering if anyone could give me advice or some help for insurance in ontario?. I am aware it will be costly but was wondering if someone had any motorcycle suggestions that would be cheap on insurance or even insurance companies. Recent personal experiences would be nice. Thanks for the help!""

Why is the insurance company bothering me?

Two months ago I was sitting a red light and was hit from behind . Now the driver's ins. company wants me to reimburse them. Why? What should I do? I'm trying not to think the worst, but when I got out the car she was on the phone and said her husband is a police officer and was sending his friend to the scene. This makes me wonder if some untruth is involved here.""

Backed into something. Will insurance rates go up?

Today I backed into something in my car. It did slight damage to the rear bumper but nothing else. Could I choose to file this through my Insurance, and would this make my rates go up? I'm 18. Thanks""

Any good/bad experiences with Farmers Insurance?

I'm considering becoming an agent of farmers.

We are buying a 1995 mobile home (14X70). Does anyone have any idea how much insurance would be in Alabama?

We are buying a 1995 mobile home (14X70). Does anyone have any idea how much insurance would be in Alabama?

How much would insurance for a 2008 Honda CBR 125cc?

I'm only a 16 year old, 5'3 115 pound girl... I've got my g1, my driving course and I'm more than willing to take the motorcycle course. I'm looking at buying a 2008 Honda CBR 125cc. I'm wondering ON AVERAGE what I'll be paying for insurance? Thanks in advance!""

Can I drive my friends car without insurance?

I don't own a car. I don't have auto insurance in canada. If I borrow a friends or familyies car, am I covered under his insurance?""

Can i get cheep insurance after being convicted of a 23140 in the California vehicle code?

I got pulled over more then a year ago and had a few beers with my best friend before he left for the armed services. I have the worlds brightest car and this probably wasn't the best idea. This happened 2 months before my 21st bday. My term to not have a licence is almost up and I am scared what my insurance is gonna look like. Does anyone know a way i can get cheep insurance or clear my driving record? Its only a infraction but will seriously mess up my life for the next 10 years. Any advice about programs insurance company s might have to lower costs so i can afford it when this period is up?

About how much per year would motorcycle insurance cost per year for a new 19 year old rider with a ninja 250?

i tried the geico online quote but it keeps experiences technical difficulties

I'm 27 years old and I wanna get life insurance ? Any thoughts on which type i should get . ?

simplify your answer please .

My life insurance policy and my insurer?

I have life insurance policy with a major US insurer. If this insurer files for bankruptcy and sells off its assets, what will happen to my life insurance?""

Best insurance policies in india?

Hi friends, please suggest me the good insurance policies for savings as well as risk cover . . hw ULIP s will perform wen compared to traditional policies ...my budget is around rs.1500 p.m""

Do bad grades affect the cost of insurance?

it think its only the opposite way, good grades make your insurance cost less if you get the good student discount. but if you have bad grades does it make it cost more?""

Arcadia California Cheap car insurance quotes zip 91066

Arcadia California Cheap car insurance quotes zip 91066

Will my auto insurance premium go up for passing a red light in NY?

This is my first moving violation, it originally was failure to stop for a school bus but it got reduced to passing a red light and is now only 3 points. I have a clean record otherwise and my auto insurance is under my mothers name, I am just a secondary driver under her quote. Will my insurance premium go up and if so will it be much? Is there anything that I can do to lower it if it does go up?""

How much would my insurance be?

Hi, I'm a 17 year old female and just passed my driving test. My parents are successful, therefore they're giving me their 2011 Ford Galaxy 2.3 Ghia with a supercharged fitted on it. I was wondering how much the insurance would be? Do they consider the speed of the car? Thanks.""

Car insurance question! help?

Ok so I'm 17 years old. I have had my license for 5 months. I have never gotten a ticket, been in an accident or pulled over. My parents are buying me a car.. and well I'm a teenage guy so I want a sports car. My parents said I can't have a car with a v8 engine or any kind of GT because it will raise the insurance cost. I found a nissan 300zx online for around 4,500. It isn't a gt, its automatic and its a v6. I told my dad about it and he said no. When I asked why he said because nissans are different and the insurance will be high if I buy that car, but he says its fine if I get a different car make that has a v6. Is what he said true? Will the insurance go higher because its a nissan sports car? (We have gieco)""

""Do professional race car drivers have life insurance and if so, how much does it cost?""

Do professional race car drivers have life insurance and if so, how much does it cost?""

Is there cheap car insurance in tucson az?

my car insurance ends tommarrow and i really need new car insurance that is cheaper then what i am paying now. i have a 2007 prius that i am financing on so i need full coverage and i ...show more

2003 Honda S2000 insurance rate?

Hi, i'm a 16 year old male. I'm planning on getting an S2000 when I turn 17 and was wondering if someone could give me a ballpark answer on how much, liability only, insurance would cost me per month. Ballpark as in $100-$150, $150-$200, $200-$250... Any help would be very appreciated. Also, just take into fact that I have a perfect driving record and that stuff since I would just recently have gotten my license by then.""

Car Insurance Question? Price?

I'm going to be turning 18 on July 14th 2009, and I was wondering what the cost of insurance would be if I got a used 2003 or 2004 Nissan 350z. I got my license April 08, and have had no crashes or anything. I plan on going to college, but a community college for the first 2 years then going to a 4 year college. Any ideas? I mean the price for this one is only 13,000 and it's a good deal.""

Question on best company for classic/historic car insurance?

Our family has had State Farm for 70 years now, several generations, and in the last 10 years or so we have been progressively more & more disappointed in their caring and customer service. Maybe its just the 'assistants' that my local SF agent (who never talks to his clients any more) use, they both seem to have just horrible attitutudes, sarcastic, and act like you are a complete PITA every time you call. I even have an email from his main assistant that I asked her to forward to the actual agent because I was told he was the only one that could answer my question, and just today I was SHOCKED when I re-read the email, and saw in the forward of my email when his assistant sent it on to the actual SF agent, She said This guy will just not give up, he keeps haunting me about this issue! I couldn't freaking believe it. I was going to forward the email to SF headquarters in Bloomington IL, but then as I read more & more about state farm I saw they are completely independent agents in each office, and have literally NO ONE who is their boss or who can reprimand or correct them. This is unbelievable. If I treated my customers at my work place & gave them the rotten attitude treatment we get from our SF office here, I guarantee you I would lose my job. No one is in charge at state farm obviously. Back to my question - I recently bought a classic car I have been looking for a long time - getting it next week - it is 25 yrs old, all original & in perfect shape. My state (Maryland) lets me register the car as Historic if it is 20 yrs old or more. I plan to do this. I contacted my wonderful state farm office today, to get a quote on a new policy/binder for this collectors car. They apparently don't like insuring a vehicle as Historic, maybe the policy is too cheap & they do not make any money off it. The 'assistant' said the best they can do, even if I REGISTER this vehicle in Maryland as Historic & get an Historic tag, which I will do, she said the best she can do is insure it as part time, occasional pleasure use, under 7500 miles a year . Which of course is NOT an historic policy. You can get that on ANY extra car you have in your household even if it is a 2011 model !! She did say (and I understand this being required) that in order to have is classified as Antique/Classic/Historic, you have to have an appraisal done on the vehicle as if it just came off the show room floor -then the premiums would be much lower if you had full coverage on it, as historic/classic . So here we stand. Can someone out there please help me understand - am I being taken for a ride by my State Farm office? Should I shop around for insurance companies that just specialize in Classic/Historic auto insurance? If so can anyone recommend the best companies that specialize in reasonable insurance for classic/historic vehicles? Thanks for your help. .""

Where can I get an insurance quote?

all the sites ask for a lot of info, can i get a site where i can just put in the date of manufacture of the car, and i get the quote.""

When selling your car without insurance and tax?

just bought a new car and want to sell my old one, but is it ok for someone(buyer) to have a test drive if the car has no insurance and no tax? and then drive it home as well""

What would my insurance cost?

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

How much would car insurance cost for me?

I'm 21 years old and I have had my driver's license for 2 years. however i still have not been able to drive since i am a poor college student and cannot afford anything. however i will be graduating soon as a registered nurse and will get a job. So i would like to know the price range for car insurance just to have an idea. thanks.

How much insurance should I have on a 12 year old car?

Should I have full coverage or can I get by on something less?

How much would my car insurance be?

I'm 16 years old & a female. I am 5'5 & weigh 150 lbs. I am purchasing a USED 2003 Audi A4 Quattro Base Sedan 4-Door 1.8L ; I was wondering what the estimated car insurance would be for me so I can start by getting the right idea of how much I would need to save each month. Thank you. :)

Around how much is full coverage car insurance?

I'm thinking about buying a car around 3-4 grand 4 door from.some. ar dealer I'm 22 and want to get the car under my name n I wanna have an idea of how much would I pay /month with a full coverage thNks I live in Michigan

Insurance Agent has different names?

Most insurance companies use agent or agency for their representatives. Is there any other word insurance companies use for their representatives?

What should my average house insurance cost?

I'm buying an older house (1920's-1930's) in a working class neighborhood in California for about $200K. What should I expect to pay for my standard homeowner's insurance?

How much is it going to cost me a year for car insurance?

i will be 16 in august my car is a chevy cavalier im not sure of the year does anyone know how much it would cost a year for car insurance ?

Are trucks cheaper to insure for teenagers?

Im looking into getting my first car and i was just wondering if its cheaper to insure a truck then a car. I am 17 years old and live in alberta canada, everyone tells me that they are cheaper to insure but how much cheaper?""

""If your auto insurance expires today, do you get a grace period?""

If so, how long is the grace period?""

Whats a good health insurance company?

I'm on my dad's insurance until I'm 25. I'm now pregnant and my insurance doesn't cover the baby. What's a decent health insurance that is reasonably priced and good for me and my baby?

Car Insurance question: Hitting a deer is 'collision' .. hitting a tree is 'other than collision'?

So, on a Personal Auto Policy (PAP) if you hit a tree it's considered a 'Collision.' .. but if you hit a deer, it's considered 'Other Than Collision.' ... WHY? Is it because trees don't move and deers do?""

Insurance for 1 month 19 year old UK?

Looking for insurance on a car for 1 month to drive around europe As you can't rent under 21, buying a cheap car is a better off option""

Motorcycle insurance?

I have a 2007 Ducati Monster s2r800. I am 22, male. Clean driving record. will be used for commuting to school. What is an approximation as for what my insurance will cost me (liability and theft)?""

Car insurance quotes?

Any one know of any cheap insurance brokers , im 31 male , ive got 9 years no claims protected , i drive a BMW 323 ISE its nothing special 2000 w reg , my best quote is 613 , 61 per month , i think its a rip off my girlfriend is younger than me drives a audi a3 newer than mine she has 3 years no claims and hers is cheaper , wtf ? oh im a HGV driver for a living""

Arcadia California Cheap car insurance quotes zip 91066

Arcadia California Cheap car insurance quotes zip 91066

How does insurance for a scooter in florida work?

I was wanting to get a scooter a little like the one on this site: http://gainesville.craigslist.org/mcy/1167379006.html So anyone have any info that might help me like will i need insurance, would i need a special tag or license that costs more, are there any laws towards scooters in florida, would i need to get something from the owner like any type of paper work? Any tips would help a bunch!! thanks!!""

What is the average cost for a 30 year old male to pay for car insurance?

How much does it cost a 40 year old male pay for car insurance? What guidelines do insurance companies use to determine the price for an individual? Is zip code, profession, driving record, or age the major factor?""

Where can I get the cheapest car insurance in Ontario?

I'm looking to purchase a used car, probably 6-7 years old, and I am a 29 year old male living in Toronto. I want the most basic insurance available required by law, as the vehicle will be less than $4k, so I will take the hit if something happens to the car. I've seen really good quotes from Johnson insurance, but can anyone recommend any other insurance companies which offer cheap insurance for basic coverage? Thanks in advance, Joe""

Does anyone know of a great affordable insurance plan with maternity coverage?

I already know about maternity card (no good).

How good is military insurance(Tri-Care) for maternity care?

My husband is in the military. I've never used the insurance, but I will need it now that I'm 6.5 weeks pregnant. How's the coverage?""

What are some good California medical insurance options?

What are some good California medical insurance options?

I got a ticket for jaywalking. Will it affect my insurance?

I live in California and was wondering if I should just pay it? I'm just wondering if it will affect my insurance but it wasn't a traffic ticket and I'm confused.

Which has cheaper car insurance florida or rhode island?

which state on average has lower rates? new york which is my current state is a much higher rate than these two but im not sure which is lower out of the two.

NY car insurance question for a new driver?

Okay, I've had my permit for like a year because I didn't have a car to care if I had a license or not. Now that I'm getting a car. I was wondering how about how much insurance would cost. I have to wait a couple weeks from the car insurance place so please no get a quote I just want an approximate estimate of about how much it would cost. I don't have drivers ed or anything. Just a license at 17 on my parents insurance. I would have my own car but it'd be on their insurance so that's 3 cars on 1 insurer. The car I am going to get is a 84' Volvo wagon. Please just a month average price of how much more my parents insurance would go up. ( like they pay 100 and it'd be 250/mo. So i pay 150 a month.) something like that. I just want to know if my job will cover my own difference Thankyou.""

Modified Car Insurance?

I'm looking for Auto insurance for my modified muscle car, but many places that claim they insure modified cars are turning me down. The car is fast, but will only be driven up to 2000 miles/year. I will not be taking it to race at the track, just driving it to events and family functions. The car's engine has been stroked, has apx. 700 horsepower, an 8pt roll cage, but has maintained most of its originality. The car is not cut up. I'm specifically looking for answers from individuals who have or have had a modified/highly modified muscle car insured. What company would you recommend and what costs should I expect to pay? Lastly, Hagarty has already turned me down... Thanks in advance.""

Is there a car insurance company in the UK that offers competitive quotes to drivers with penalty points?

My husband has 9 points on his license which are all from Dec 08. We are looking into getting a second car but most insurance quotes are shocking, just wondered if there was a particular insurance company who specialises in insuring such drivers? Thanks.""

""I need to find how much insurance would cost on a dodge charger, tune-up, tires etc including coupons?

what site should i go to..?

Need help with car insurance?

My car insurance was cancelled because of no payments on January. I got laid off and couldn't make the payments. However, I didn't return the plates to rmv and was driving uninsured cuz I had make it to school. I just recently got a job and want to get insured again. However, I don't know how to begin the process again. What happens when I return the plates..where should return it..how much fee will I pay ..where do i pay it and when can I get a new plate and when will I be able to get insured again. I live in Massachusetts . Gladly appreciate an answer thanks""

Where can i find affordable car and renters insurance?

i plan to move out and rent an apartment very soon and i really need to find somewhere that i can afford with good coverage? I live in Georgia

When do you have to buy car insurance?

When do you have to buy car insurance? I've just bought my first car privately and expect to drive it home next Tuesday. However, I'm confused about the insurance. When should my insurance policy start? Does it have to be next Tuesday, too?""

What is the cheapest auto insurance company for young drivers?

I am selling my older car to my brother but we are trying to find out which insurance companies would be the cheapest for him. Any suggestions?

Average moped cost for 21yo student?

Im thinking of getting a moped to run around on as its so much cheaper than a car and was wondering how much this would cost. I can find the moped but how much would the tax, insurance etc be? Im a female 21 year old student, from england if that helps at all for working out the insurance.""

Gerber life insurance company?

is this even worth doing has anyone ever done this...i need feed back and ideas i have a one year old little boy and i want him to have something to fall back on when he gets older, weather its college or whatever The insurance says they can cash it out for the premium. So should i sign up or just get him a savings account?""

How Much Is Quad Insurance UK?

Hi their.... i know its a hard 1 to answer but on average how much are people paying for quad insurance for road legal quads in the UK...... ive been trying to get quotes from companies but every time i ring them up they put me on hold for like an hour so i hang up i just want to see what people are paying so i have an idea of what prices to look out for................ I'm 20 & own a 250cc road legal quad........... but dont want to be paying 700cc prices

""I will b learning to ride a bike soon, if i get a Ducati 500cc 2ndHand bike howmuch insurance it will cost me?""

I will b learning to ride a bike soon, if i get a Ducati 500cc 2ndHand bike howmuch insurance it will cost me?""

Hastings direct car insurance.?

We are thinking of taking car insurance through Hastings direct. Are they reliable? Until now we've been with Norwich Union, but they are very expensive now, so we want to switch. Any others people really recommend, reliable and cheap?""

Short-term insurance coverage and ACA?

Does anyone know if and/or how the Affordable Care Act (ACA) will affect short-term insurance coverage? My son currently does not have health insurance at work; therefore, he has been buying short-term coverage which can be purchased month by month, every 3 months, or 6 months. The downside is that after 12 months of consecutive coverage, he has to sit out for 2 months (no insurance coverage). Not ideal, I know but it's all he can afford at this point. It basically costs him less than $40 a month. Just wondering about this. I guess we don't know yet how much coverage will cost under the ACA?? Maybe he can afford something better once that takes effect.""

Can I get free health insurance?

I just paroled out of prison. I don't have a job yet. Is there any free health insurance available to me? I moved in with my brother, who has a good job and his own insurance. will his household income affect my options of getting low income insurance? Thanks""

Car insurance ( diabetes )?

after i get a quote online when i proceed to pay will the insurers phone me or will i after phone them as i have a 3 year medical licence and i need to let them know off my medical condition ( diabetes insulin dependant ) first time getting insurance so any info would be great

Car insurance write off?

Ok so wanting a slightly clearer answer for how exactly car insurance write offs work? I have a 92 Toyota lexcen market value on my policy is up to 2125, I have a damaged bonnet, bumper and headlight also my horn sounds really wrong now! Not sure if there's other damage, I was not at fault in the accident. Basically wondering how they decide whether to write it off or not and how much I could maybe expect to get back? Car was in decent condition low ks, although it's not the first accident it's been in""

Arcadia California Cheap car insurance quotes zip 91066

Arcadia California Cheap car insurance quotes zip 91066

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