#technically i have a little more than 40 counts but thats around when i need to be in spot

[addicted-to-winterguard]

can you tell i have to run 50+ yards in 40 counts at 152 for pregame

[h0tchner]

Any Age, Any Day, Anywhere (Part 1) - aaron hotchner x fem!reader

pairing: aaron hotchner x fem!reader

summary: WRITTEN FOR AN ANON REQUEST: "ok hi so u already wrote a jealous reader and was wondering whats your take on jealous hotch? i mostly see him in fics as possessive and yeah being the leader type i would think he could also be possessive but i also think that he would just be sad like ya know he doubts himself as we saw in some episodes and i think he would need assurance and a lot of convincing that u only love him but if you’ve given that to him then thats the time he would be possessive and god i would love to imagine a possessive and feral aaron hotchner"

word count: 3.5k

includes: kissing, so much freaking adorable fluff, talk of body insecurities, insecure!hotch, protective!hotch, wifey reader, super brief mentions of pregnancy, alcohol, confrontation with a drunk asshole (derek & hotch are all over it tho dw), party at papa rossi's!, smut to come in next chapter...

rating: 18+ (technically there is no smut in this part, but there are adult themes such as drinking, kissing, etc.).

a/n: HELLO BESTIES! This is part one of a two-part fic! The next part will be pure filth, so keep your eyes peeled for some feral hotch content... ALSO! PLS (!!!!!!!!!!!) interact if you liked this, rb, comment, like and/or send me a request if you have ideas for future fics! i love y’all! - rivka💞

“Aaron! Can you come here for a sec?” you call out to your husband from the bathroom, muttering curses under your breath as you try (and fail) for the third time to zip up the back of your black cocktail dress.

“Sure, I just need a minute,” he replies from the bedroom closet, securing the last opalescent button on the arm of his white dress shirt. He looks at himself in the closet mirror, zeroing in at the bags under his eyes and the sprinkling of grey in his stubble. He looks… tired. Tired and old. And he hates it.

Even though Aaron is only in his late-40s, he has lived lifetimes; years of working as Unit Chief of the BAU will do that to a man. Every horror he’s seen and every person he’s lost has weighed on his body and mind. In the past few months, amidst work changes and a new baby, he’s been exhausted and in fear that he’s letting himself go. Of course, being the stoic man that he is, he’s done his absolute best to hide these feelings from you. Tonight, however, he doesn’t know if he can. It’ll be your first night out together as a couple since welcoming baby girl Hotchner to the family four months ago. With no pressing family or work distractions, he just knows that you’ll be able to sense his apprehensions. It’s only a matter of when.

Taking in a breath, he turns a little to the side, frowning at his profile. Aaron winces a little at his “dad bod,” but quickly recovers from the discomfort, milliseconds after it flashes across his face.

“Aaron Hotchner get your handsome butt in here and help me zip my dress! We’re gonna be late,” you exclaim, trying one last time to reach the zipper before giving up and crossing your arms in defeat. You lean back lightly against the countertop facing the door, letting the fabric slip off your shoulders, and wait for your husband to rescue you from the hell that is this dress.

At the sound of your voice, Aaron snaps out of his trance. He shakes his head lightly, as if to physically erase the intrusive thoughts, and clears his throat. Grabbing his suit jacket off the hanger, he flicks off the closet light and closes the door behind him.

Languidly, he meanders from the closet toward the bathroom. He drags his feet a little longer than he normally would, still feeling off and a little bit shy about his appearance.

“Aaron,” you sing, “I’m waiting for –,” your jaw drops mid-sentence when Aaron appears in the doorway.

“Oh fuck,” you breathe out before you can stop yourself, eyes widening at the sight of the gorgeous man in front of you.

“What’s wrong?” He asks, crossing over to you, searching your face for any ounce of reprieve.

“Nothing, nothing’s wrong,” you’re quick to reply, standing from your leaning position to meet him, holding out your hands.

He takes them in his own, cocking his head slightly, his soft hazel eyes boring into yours.

You shift forward, moving up on your toes to peck his soft pink lips.

He sighs into the kiss, feeling the warmth of your lips against his own. It feels so good that it almost makes him forget about how he is feeling… almost. But the dark thoughts come back, and he pulls away from you a bit, reluctantly.

Aaron clears his throat.

“You called me?” He questions, but it sounds more like a fact.

“Yeah,” you give his hands a squeeze. “I needed you to zip up my dress, but now,” you lean in again, “I kinda want you to rip it off me.” You offer him a sultry smirk, moving your hands up to rest on his broad chest. He moves his hands to settle on your hips.

You lick your lips and let your eyes rake over his body, taking in every ounce of his sexy frame. The way his crisp, white dress shirt hugs his solid body makes you go weak in the knees. His strong, toned legs in those black dress pants? Yes please. His soft black hair and salt and pepper stubble on his face are practically begging to be touched. He looks good. Damn good.

“You look…” you pause, tapping a finger lightly against his pectoral, searching for the right word, “…delicious.”

Aaron blushes lightly at your ogling, offering you a sad smile as he squeezes his eyes shut out of embarrassment.

You sense the falter in his demeanor, knowing that there’s something else nagging at him far beyond his usual flustering when you vocalize your attraction to him.

“Honey,” you implore, looping your hands around his neck to bring his forehead down to touch yours. “What’s going on in that big, beautiful brain of yours?”

“It’s nothing,” he mutters, swallowing, rubbing soft circles into your sides.

“It’s something,” you counter, carding a hand through his hair at the nape of his neck. You scratch lightly at his scalp, waiting for him to speak. You’ve learned that the best thing to do when Aaron gets in a mood is to give him some time to gather his thoughts. Keeping him close, physically, is a way to show him some comfort without pressuring him to speak. It encourages him, without words, that your arms are a safe place.

“I don’t…” he starts, and then stops himself. His dark eyebrows furrow and his mouth presses into a thin line.

“Mhm?” you question, fingers still tangled in his thick, black locks.

He pulls his forehead away from yours and locks eyes with you. You let your hands be still now, a silent gesture to show him that you’re listening.

He takes in a breath.

“I don’t look the way I used to,” he says quietly, shifting his eyes away from yours.

“What do you mean,” you urge him to continue.

“I mean, I don’t look like I did five years ago. Two years ago. Four months ago. I mean, I was practically a different man when we first met. I was younger, fitter…” he trails off, visibly upset.

“Yes, Aaron, you were,” you agree, keeping your tone temperate.

His eyes snap to yours, confused. It’s clear that was not what he was expecting you to say.

“You were a different man,” you continue gently, resuming your pacifying touch in his hair, “and I was a different woman.”

Aaron lets out a huff.

“Do you love me any less now than you did five years ago?” You ask him.

“Of course not,” he’s quick to answer.

“Why is that?” You prod.

“You’re gorgeous, inside and out. You’re funny, smart, loving…” he begins, but you interrupt him before he can go on.

“And,” you butt in, “if I were to go completely grey, gain thirty pounds, and only wear a potato sack to work every day would you love me any less?”

Aaron huffs again, but this time he’s fighting a smile. He’s starting to catch on. You watch as a spark of levity returns to his eyes. He holds you a little tighter.

“No. There’s nothing you could do or say to make me love you any less,” he grumbles in annoyance, but his upturned lip and matching eyebrow tell a different story.

“Ditto, baby,” you smile up at him. “I love you at any age, any day, anywhere, and there is nothing in the world that can make me change my mind.”

He dips down then, capturing you in a kiss, grinning against your lips.

You giggle as Aaron works his way down your jawline and neck, gasping as he kisses the soft skin at the junction of your neck and shoulder, thick fingers gripping the sides of your hips. He moves his lips back up to your earlobe, nipping at it lightly as you let out another soft gasp.

“You always know the right thing to say,” he whispers into your ear, pressing another kiss right underneath it.

“Aaron, I know I said I wanted you to take this dress off me,” you say breathlessly as Aaron nips at your shoulder again, “but Rossi will kill us if we don’t show up tonight. Plus, I really want the chance to show off my super sexy FBI husband. It’s been far too long.”

He lets out a low groan into your skin and gives your hips a squeeze, nuzzling his head into your neck.

“Yeah,” he mumbles, “you’re right.”

“Aren’t I always,” you snort, eliciting a chuckle from your husband as you turn around in his arms to let him zip you up.

He takes his time, letting his fingers brush lightly over your spine as he draws the zipper over your back. When he’s done and the clasp is latched, he kisses one shoulder lightly, and then the other.

“Thank you,” you whisper, leaning back against his warm body.

“No, honey,” he kisses the top of your head, “thank you.”

_____________________________________________________________

By the time you and Aaron arrive at Rossi’s mansion, the party is already in full swing. Judging by the number of cars in the makeshift parking lot on his spacious front lawn, there must be at least fifty, maybe even a hundred people here.

Despite the bustle of the evening, it doesn’t take long for you two to find Emily, Penelope, and Derek in the living room, drinks in hand, snacking on some very expensive looking food.

“Hey, look! It’s the Hotchners!” Emily cheers, teetering on the arm of the leather couch, wine glass in hand.

“Hello beautiful BAU power-couple!” Penelope chimes in from the seat next to her, cuddled up into Derek’s side.

You laugh and let go of Aaron’s hand, walking over to greet your friends.

“Hey hot stuff, look at you, look at you!” Derek chimes in, eyeing you up and down before standing to shake Aaron’s hand.

“Oh, please,” you roll your eyes at him as you give Emily a big hug.

“And you don’t look bad yourself, boss man!” Derek adds.

You shoot your husband an ‘I told you so’ look over your shoulder, before untangling your arms from Emily and giving Penelope an equally enthusiastic squeeze.

“It’s good to see you all,” Aaron smiles lightly, all dimples in the low light. He steps in to give Emily and Penelope soft hugs.

“Let’s go get you a drink,” Derek says to Aaron, clapping him on the back.

“White?” Aaron looks to you, even though he already knows the answer.

“Yes please,” you respond, “thank you.”

“Be back soon,” he smiles easily, kissing your cheek, making your heart ache.

Aaron and Derek turn and exit the room together.

Penelope drunkenly pats the seat next to her, and you plop down on the couch.

“We’ve missed you like this!” Emily exclaims, gesturing between the three of you and around the room. “I can’t believe we’ve had to wait nine whole months plusanother four just to have a drink with our best friend again.”

You laugh at her, tilting your head back lightly. “Well, you guys got a beautiful little niece out of it, doesn’t that make up for all the wild girl’s nights I missed?”

Emily sighs, dramatically, “I guess so,” she jests.

“Oh, for sure.” Penelope adds. “You look freaking gorgeous, by the way. I mean, I would have never guessed you were creating a tiny human in that body only a few months ago!”

You blush lightly at her words, “You flatter me far too much, Pen. I owe this,” you gesture down at your figure, “all to Spanx!”

“Amen!” Emily toasts. You raise an imaginary glass to theirs and pretend to clink, taking a swig of invisible liquid.

“Are J.J. and Will here?” You ask them after they’ve had a few more sips of their wine.

“Yeah, yeah,” Emily nods, “they’re around somewhere.”

You take a moment and look around the room, taking in all the sights and the sounds of the party. You see some faces you recognize from around the bureau, but others you don’t. Just as you’re about to turn back to your friends, someone catches your eye. One face stands out from the crowd: he’s a young, suave-looking man in a sharp navy suit. Sandy hair perfectly gelled, shiny brown loafers, and bright blue eyes looking right at you. In another life you would have been exhilarated by his attention, apparent charm, and good looks, but now? Now, you’re married to the love of your life with an amazing stepson and a wonderful baby girl. His wolfish gaze means absolutely nothing to you. You simply flash him a curt smile and turn back to Emily and Penelope without a second thought.

You and your friends resume your chatter, waiting for the men to return with more drinks... only they don’t. Perhaps its “new mother anxiety” talking, but the longer your husband is gone, the more you start to grow concerned. A few more minutes pass of antics, laughter, and catching up until the nagging voice in the back of your head turns into an all-out scream. All you know is that you’re suddenly feeling very overwhelmed need to be with Aaron. So, you announce to your friends that you’re going to hunt down Derek and your husband.

You stand from the couch and smooth out the skirt of your dress with the promise to be back in a few minutes.

You walk out of the living room and into the grand foyer, following the same route as Aaron had earlier. Your black kitten heels click on the marble flooring, the skirt of your dress swishing lightly as you walk with purpose towards the kitchen. You’re so concentrated on reaching your destination that you don’t realize the man who had been watching you in the living room was now hot at your heels, following you through the house. It’s only when a hand reaches out and jerks your arm backward that you stop, startled, just past the grand staircase, turning face to face with him.

“You’re not an easy woman to get alone,” he smirks, reeking of alcohol, still gripping your arm, tight. Up close he is decidedly not as handsome as the low light of the living room made him seem. In fact, he seems… creepy. Really, really, really, creepy.

“Can I help you?” You blink at him, pulling your arm out of his vice grip.

“You sure can, baby,” he steps closer to you, voice oozing with sleaze. You gag at the liquor on his breath.

Moving away, you scowl at him, crossing your arms across your chest.

“What’s say you and I head upstairs for a little while? I’m dying to get my hands on your body.” He jerks his head toward the staircase, reaching out to grab your arm again.

You’re fuming at this point, ready give him a piece of your mind when a stern voice beats you to it.

“Excuse me, what do you think you’re doing?” Aaron articulates, approaching you both with Derek not far behind.

You breathe a sigh of relief as your husband glares at the drunken man vengefully, coming to stand by your side. Aaron pulls you into him, roughly, hand tight around your waist. The anger radiating off your husband is equally terrifying and HOT.

“Take a walk, man,” Derek adds in, coming to stand next to the drunken asshole. The man looks from you, to Aaron, then over to Derek, and finally back at you.

“Whatever,” the man grumbles, putting his hands up, “she’s not worth it anyway. Not pretty enough for the hassle. I just thought she looked like an easy lay.”

“That’s enough,” Aaron snaps, seething. “Leave now, before I make you,” your husband growls. He angles his body forward so you’re slightly behind him. A shiver passes through you at his fierce protectiveness.

“Fine, I’m going to get another drink,” the man utters.

“No,” Aaron interjects, “the party. Leave the party or I’ll have you removed.”

“What’s your problem?” The creepy man retorts, this time, more confrontationally.

“My problem?” Aaron says, angrily. You feel his entire body tense at the accusation.

“Hotch,” Derek warns, “I’ll take care of it. You guys go enjoy yourselves. Forget about him.”

“Come on, Aaron,” you tug on his suit jacket lightly, eyes pleading… but Aaron doesn’t budge from his spot. He only holds you tighter as he continues to stare down the man as Derek ushers him away and towards the front door. He doesn’t falter until they are out of sight.

“Aaron?” You repeat.

He looks down at you, finally, blinking away the fury until all that’s left is an all-consuming love. He releases you from his protective hold, and you face him.

“I’m okay,” you assure him in earnest, letting out a shaky breath.

“Honey, I’m so sorry,” he breathes, bringing his hands up to cup your face.

“Aaron, it’s okay, really,” you bite your lip, shifting your eyes away from his.

“You’re so beautiful,” Aaron kisses your forehead, and then the top of your head. “So, so beautiful, and I’m so sorry.”

“Aaron, can we just go home?” You ask.

“Sure,” he kisses your head one last time before weaving his fingers between yours and guiding you gently toward the back exit.

_____________________________________________________________

The car ride home is quiet. The only sounds are the occasional click of the turn signal, and the hum of the wheels on the road. Aaron is still upset, and so are you, but you’re also… something else. Something you can’t quite put your finger on. You feel guilty for ruining the evening, guilty that you FEEL guilty for something you had no control over, hungry, tired, and… horny? Oh, and guilty for feeling horny.

It isn’t helping that one of Aaron’s hands is planted firmly on your thigh. He lifts it only to adjust the air conditioning or to scratch his nose, but otherwise it remains on you the whole way home. When he pulls into the driveway of your shared house, and shuts the car off, he still doesn’t move it.

“Honey?” You turn your head to look at him. His eyes are closed. You take in the strong features of his profile, noting the prominence of his nose and the way his eyelashes rest on his high cheekbones.

“I almost punched him.” Aaron whispers, opening his eyes to look over at you sheepishly.

“You what,” you exhale, mouth slightly agape.

“That guy,” he continues, bringing his left hand up to pinch his nose. “I almost punched him for saying that about you.”

You snort, amused by his confession.

Your husband lets out a short laugh, squeezing your thigh as he does.

“I would’ve liked to see that.” You’re grinning now and so is he.

He flashes his eyes at you and laughs again, this time less anxiously. You join him, feeling the tension dissipate with every passing moment.

“My big, bad FBI man decking a barely-legal drunk dickhead for making a move on his wife? Where can I get my tickets?” You joke.

As you say the words “his wife,” Aaron’s breath hitches in his throat. His hand on your thigh presses down instinctively. Neither of his reactions go unnoticed.

You lay a hand over his where it rests on your leg.

“You know, Aaron,” you begin.

He looks over at you, jaw tight, but this time it isn’t from anger.

“This is the first time we’ve had the house all to ourselves in months,” you pull his hand off you and bring it up to your lips. You press a kiss to his palm, and then to his wrist.

“This… is true,” he breathes out, studying you, taking you in.

“So, I’m just wondering:” you grin, linking your fingers with his, “are you going to carry your wife into our house, Aaron? Or do I have to walk myself?”

[generic-hufflepuff1]

The Fun Part (Tma Analysis)

Heyo! Here's the part two to This, using the data from Here.  

Now in part one I give some of my rationalisation as to why certain Entities show up in statements less often than others.  

In this one I’ll just be pointing out some interesting things in what the numbers say and/or some rationalization for weird numbers or sometimes just making up a in universe reason for some of Jonny’s writing quirks (Like how if you look at the numbers Jonny just finds ideas for Hunt episodes harder to think of) 

Im gonna be breaking this down into seasons 

Season 1

In Season 1 the most frequent entities are The Corruption and The Stranger (8 episodes each).  

Both of these make sense.  The main antagonist of Season 1 is Jane Prentis and having looked at all the Stranger episodes* it is quite clear that it is Jonny setting up for future arcs and plotlines.  But that's the boring reason. The fun reason is that The Corruption is ready to perform its ritual and The Stranger is busy setting up for their own ritual and as a result there are plenty of statements within easy reach of Jonathan Sims for these two entities in particular, with two to four times the number of statements of the other entities.  

Other notable entities are The Spiral and The Flesh.  

Mostly just because they each get a couple more entities than is the usual as ten of the fifteen entities have between two to four episodes.  The Spiral gets a bit of a boost from Micheal popping up every now and then and that works for me.  The Flesh is a bit weirder I can't really think of a writing reason for it all I can say is that they tend to be quite striking and it's quite clear Jonny had a lot of fun with them and honestly that's fair.  But again, boring.  One reason could be that as mentioned in the other post there is a bit of a requirement for a statement giver notably they need to be desperate enough and you know still alive to go to the Archives, and these statements** are quite obvious as The Flesh has no patience for subtlety, but still enjoys the act of delaying the suffering.  

And the final segment “What's the Eye Doing?”

The reason i'm including this is because Ive noticed that the Eye is strange in that it is the most popular entity over all of the show but is not the most frequent in most of the seasons.  So Im just gonna keep an eye on it.  

The Eye shows up in three episodes: 12 First Aid, 23 Schwartzwald and 40 Human Remains,  and of these only really the Mag 23 is the only real statement about it I just find this interesting no real notes about it though.  

*1 Angler Fish, 2 Do Not Open, 3 Across The Street, 24 Strange Music, 28 Skin Tight, 34 Anatomy Class, 39 Infestation, 40 Human Remains

** 5 Thrown away, 14 Piecemeal,  17 The Boneturner's Tale, 18 The Man Upstairs, 20 Desecrated host, 30 Killing Floor

Season 2

Now sure this season has three entities (The Stranger, The Buried and The Spiral) that have more episodes than the others and I will talk about them but what stands out more than anything else is just how spread out it is. I mean with the exception of those three and the Extinction the rest have between two to four with half of them having four and Hell even The Extincion gets one.  This is by far the most fair the spread ever gets.  Here’s the spread:

6: Stranger, Buried, Spiral

4: Desolation, Dark, End, Web, Eye

3: Vast, Flesh, Corruption

2: Hunt, Slaughter, Lonely

1: Extinction

So Why the Stranger, Buried and Spiral

Again the Stranger is being set up for season three and are working on their ritual, not to mention the presence of NotSasha gives a sizable boost.  The Spiral is a bit stranger but at this point Micheal is still running around and this gives it the needed boost.  The Buried is the only one that is not immediately obvious, after looking through the episodes* it still baffles me, as far as I can tell it's due to the focus on the Tunnels.  It could be that Jonathan in an attempt to understand the Tunnels tried to find similar statements and as a result the trend developed.  

The Extinction?

So season 2 has the first mention of number 15, well maybe it does.  See the thing with most of the Extinction’s manifestations is that it could maybe be something else entirely.  The Extinction episode of the season is 65 Binary and might be the Spiral instead but the focus on a new type of life and technology means that it is very difficult to say really.  

What's the Eye Doing?

The Eye falls right into the average place in the hierarchy for the season with four episodes.  Those being: 53 Crusader, 60 Observer Effect, 62 First Edition and 79 Hide and Seek.  These seem to work to expand what exactly the Eye is.  As I said, season 1 kind of lacks this and here Mag 53, 62 and 79 bring up the weirdness of the archivist, whereas Mag 60 explores how the Eye can manifest.  But the Eye isn't special every single entity gets fleshed out in season 2.

*41 Too Deep, 50 Foundations, 51 High Definition, 61 Hard Shoulder, 66 Held in Customs, 71 Underground

Season 3

This is the run away season.  This one is similar to the previous one but it does skew quite wildly at its end to favour the Stranger, for entirely understandable reasons.  But ultimately is still quite fair with only The Eye and The Extinction fall outside the three to five range.  

So the Stranger 

The Stranger has ten episodes this season and why is quite obvious as the climax of the season revolves around the Stranger.  Not much to say here.  

Again the Extinction

Now my notes had 114 Cracked Foundation as one of the Extinction episodes but for some reason I can no longer find any mention of it on the Wiki so I have no Idea what happened here.  My guess is that in the wake of Mag 196 and 197 this particular entry got a lot of attention and the link with the Extinction removed. 

What's the Eye doing?

This is the first season in which the Eye starts to take up the main spotlight with seven episodes. However looking through the statements* and it does not really appear in the statements but rather in the pre and post statement drama, as Jonathan and Elias use their abilities.  So as a result the Eye ends up feeling very different compared to the other entities and we don't see the ‘Horror’ of it for a lot of the podcast.  

* 82 The Eyewitnesses,  92 Nothing Beside Remains,  105 Total War,  106 A Matter Of Perspective,  117 Testament,  118 The Masquerade, 119 Stranger and Stranger

Season 4

So season four is very, very weird in that the Extinction is the most frequent entity (tied with the Eye).  It does make sense as Jonny needs to catch the audience up on what exactly it is as it does not have the breath of work that the other entities have, so as a result Lucas spends his Time telling Martin about it. 

Other notable Entities

The Lonely is also quite popular this season with five episodes but that also makes sense due to not only the presence of Lucas but also Martin’s fall into the Lonely.  Other than that The Hunt only has one statement* that has to do with it’s ritual.  The combination of this and the Extinction’s frequency in this season and the hunts underperformance in other seasons (4 in season 1, 2 from season 2, 3 from season 3 and 1 in this season) means that it has just slightly one more episode than the Extinction.   I do cover my rationalisation for this in the other post (Here)

What’s the Eye Doing?

Leading the pack that's what.  This season also has what other seasons lack statements that the Eye features in.  Now this is probably Jonny finally having the chance to explore the concept properly as it is a bit harder to really understand, but in world it could be due to a combination of Elias trying to keep Jonathan blind and Jonathan trying to explore his new identity as a ful blown avatar and going about it like a baby gay, consuming all media surrounding the topic.  

*133 Dead Horse

Season 5

I debated not including this section but hell I'll just add on any updates if it's necessary.  

So in this one to (to no one's surprise) the Eye is the golden child in this season after a brief jaunt into a domain for each fear the focus becomes almost entirely Eye focused, and if you want to be technical you can just add the Eye to every single episode but I did not.  

The runner up

The Web is definitely making up good numbers especially with how the finally is turning out. 

Other notables

The Lonely, Buried and Spiral all get a little above average.  Why? Well Martin has to deal with some baggage from Season 4 and Gaslight Girlboss is still running around but the Buried is a bit weird.  Again I think jonny just finds it easy to write claustrophobic horror, but again thats boring.  So lets have a look* and when I did I noticed that all three of these (and the Eye and Web) all are in 167 Curiosity so that adds a bit to the count.  But other than that its clear that it’s easy to add the Buried on top of another entity so its clear that the Eye simply likes how the Buried spices up the other flavours of fear.  And then finally the Extinction and Slaughter only get one each (163 In The Trenches and 175 Epoch) and they are the compulsory exploration episodes and unless the finale really is a complete curveball this probably won't change.  

What’s the Eye Doing? 

Having the time of its god damn life.  

*166 The Worms, 167 Curiosity, 184 Like Ants, 185 Locked In, 195 Adrift

[ghoulgeists]

I HAVE QUESTIONS!!! ABOUT FLINT!!!! a lot so have fun :D 4, 9, 10, 12 :) 13, 14, 17, 23, 27, 42, 44, 50, 56, 57, 59 (i think i asked this before but i forgot the answer lol), 61, 63, 67 !! also i ask about seaweed boy !! 3, 5 lol, 11, 18, 21, 30, 40, 44, 51, 59, 61, 64 !!! and a few for cadma !! 11, 19, 30, 36, 48, 53, 64, 69

UM HEWWO?!?!? THATS A LOT OF QUESTIONS! I am so excited to answer these...

Answers are under the cut! This will be... Long

Flint

4. If they could learn one spell that isn’t available to them at present, which spell would it be?

Magic in their setting is a little different, and these questions are dnd centric, but I think I can still answer this! Flint would probably be VERY interested in divination magic, of any kind. So spells that could divine futures, locate objects, or show hidden things.

9. Do they care about their appearance? How much effort do they put into presentation?

In public, appearance is a top priority. They mingle with plenty of people whenever they can, and it's important to them that they give others a good first impression, so Flint's grooming is off the charts compared to most people.

When they're crawling around in the ancient dust of a tomb, however, the way they look isn't nearly as important as grabbing as many valuable burial goods as they can!

10. How often do they lie? What situations cause them to be dishonest?

Flint's no saint, and lies plenty enough to prove it. Most of the time it's white lies to spare feelings or to get out of doing something, but the bigger lies come when people probe about their past. It's pretty obvious they don't want people to know about who they used to be, and the bigger the secret the bigger the lie they tell to keep others off their tail.

12. Have they ever been in love?

Plenty of times! Enough to count on a few hands. It's infatuation that strikes them most often, but they have been serious on occasion too.

13. What do they dislike about themself? Why?

They dislike how weak they can often be, as well as how easy it is to take advantage of them sometimes. It drives them to take the easy way out of difficult situations no matter the cost.

14. What is something they love about themself?

They love their body! All the little details from the way their hair curls, the blue of their eyes, their stature, etc. They're very comfortable, proud, and happy being themselves! 

I think this is the first character I've ever made who wouldn't want to change anything about their body for any reason :'D

17. What do they dream about, when their dreams are their own?

Beyond gold and riches, they dream about travelling to destinations both new and old, discovery, and about what stories they'll tell when they're old.

23. How do they feel about nicknames, titles, or labels that have been given to them? How do they feel about their name?

Nicknames are encouraged, but only between close friends and significant others! They don't have any titles or labels because they're not quite that infamous. Everyone who knows them refers to them by their first name, and that's what they're comfortable with because it's what they're used to!

As for how they feel about their name, they don't have strong opinions either way. It's the name they grew up with so they can't just toss it aside, but it has bad things attached to it as well. I'd say they think it's a ledger of all their (mis)deeds, and that's about it.

27. How do they mourn?

They carry on. But they swear to do better.

42. What are three words they would use to describe themself?

Confident, gorgeous, and amicable!

44. What do they need to learn?

To stop sticking their nose into trouble.

50. Can they sing? Can they dance?

Yes, Flint can sing and sings often! They will occasionally busk for lodging funds if they are ever scarce a few dollars, and have a very soothing voice that ensures at least a few people will toss them some coins. As for dancing, it's not something they're interested in, but you could always coax it out of them you can promise you'll be a good dance partner :)c

56. What animal do they most relate to?

Probably a dog? Fiercely loyal and trusting, but with a good nose (figuratively) for who they should let in on their vulnerabilities to.

57. What makes them angry?

Injustice, and the ideology that law and order outweighs the importance of the human condition. 

59. What is a quiet passion of theirs?

While not exactly quiet, they have a passion for music! Singing and playing the guitar is one of their favourite pastimes.

61. What kind of flower would they choose to pick from a meadow?

This is impractical, and they also aren't exactly found in meadows, but they would go for sunflowers. Something big and bold and bright!

63. What fight has scared them the most?

They haven't gotten there yet in the story I'm building around them, but any fight where someone almost dies and they're powerless to help is always terrifying! :^)

67. What makes them laugh?

Clever jokes, outrageous stories, and the thrill that comes from doing something dangerously stupid and getting away with it.

Tangle

3. What is their goal right now?

Two things: serve their unfathomable god to the best of their abilities, and get sweet, delicious revenge on the fishermen that almost killed him. The former is his current priority, because he knows he has plenty of years to hunt down his would-be murderers. Revenge is a dish to be savored :3c

5. Do they follow a higher power? What are their thoughts on divinity?

Before he met his patron the only thing he was concerned about was surviving. There's no time for gods when you're eking out a poor life in some nowhere village, after all!

After meeting his patron, there is honestly nothing in this world he could devote more time and attention to. So their relationship with higher powers and divinity etc all are attached by one string to a single entity!

11. What skills are they proficient in? Why?

Arcana, religion, and insight for obvious reasons! However he's also proficient in intimidation, because while he may look like a sweet boy he's actually kind of creepy (in an insane cultist kind of way), and that's sufficiently off putting enough that he can be rather intimidating.

18. Do they see themself as a leader or a follower?

lmao… definitely a follower.

21. Do they follow their head, their heart, or their body?

HMMM, I am not too sure about this yet, but probably his heart! He seems like he would be easily emotionally driven.

30. What do they seek out from others?

Open-mindedness! People who would be -cough- willingtosubmittotheoldgods -cough- -cough- I mean, people who won't judge him for his faith.

40. Do they enjoy poetry?

Nope! Not that he's had any exposure to the arts, though. I guess it would be more accurate to say he doesn't have an opinion :'D

44. What do they need to learn?

That he's not special, and his devotion to his god means barely a thing. He has in his mind this idea that he's some kind of glorious, special vessel through which his patron does its dark bidding, but in reality he's just a pile of meat labeled "minion." Until he learns that awful truth, he's got an ego about his position.

51. What is the most beautiful thing in the world, for them?

The rotten bones of shipwrecks stuck deep in the sand. They're a good source of materials, a home for the night, and they make lovely silhouettes against stormy seas.

59. What is a quiet passion of theirs?

It's done out of necessity, but they enjoy sewing up and mending clothes! 

61. What kind of flower would they choose to pick from a meadow?

Nothing specific, just any bud or bloom he can find :'D

64. Do they value mercy or justice more?

Probably justice! Although he's indifferent to things that happen to others, he is technically seeking justice for what happened to him, in his own… special way.

Cadma

11. What skills are they proficient in? why?

Athletics, performance and acrobatics because he's an active, swole boi! As well as that he's proficient in stealth and slight of hand because he is a smooth criminal, and he's also proficient in religion for a reason I cannot fathom or remember the reason for. 

19. What haunts them? What doesn’t?

Like most of my characters… the past lol… specifically, the people he's abandoned on a whim, and more pressingly his former captain, who kind of wants to spill his guts :')

What doesn't haunt him is his decisions to leave. In every instance he's left people he's found himself in a grander adventure, and he's thankful and at peace with those life decisions!

Essentially, he has the mentality that people only stay in your life for part of the journey. There’s no such thing as a lifelong partner or friend, so while he does remember people he’s left behind he thinks that charting his own course in life is more important that unbreakable bonds.

30. What do they seek out from others?

Damn good company! If you're an interesting person in any capacity Cadma will probably take a shine to you. He can't stand a stagnant lifestyle, and wants to surround himself with people who will bring adventure into his life.

36. What’s a secret they’ve kept?

It's not exactly a huge secret or anything, and anyone with eyes can tell because he has scales, but Cadma is very hush hush about his dragon ancestry and blood. It's caused him no end of troubles and he'd really rather people see him as a person rather than the inheritor of a rare bloodline.

48. What do they see in their future?

Adventure, and lots of it. Maybe a couple near death experiences too, which he is not so keen on but it comes with the job :')

53. Which is more frightening to them: day or night?

Night. Visibility is low and it's too quiet. Fires burn too bright. You have to let your guard down eventually. 

It's not a fun time.

64. Do they value mercy or justice more?

Definitely mercy! Cadma believes in second chances, and sometimes thirds. He's needed his fair share of them, so everyone else deserves chances too

69. How would they describe their party members?

Good fun and better friends! He's never been with people so easy to latch onto emotionally, and MAN is he attached to them…

---

Thank you so much for the ask, ilu!! It's so much fun talking about my characters, I love them a lot and the opportunity to get it off my chest has been really nice uwu

I am still accepting asks! And I finally have a page with links to my character's tags, in case anyone wants to peruse!

pwease... talk to me...

[sadb0ysims]

THE SIMSELF TAG featuring yours truly and her wonderful assistant, antoinette

1. WHAT IS YOUR FULL NAME? mia and thats all ur getting out of me

2. WHAT IS YOUR NICKNAME? oh god we have some embarrassing ones but jordan and jords are nicknames of mine and u might be able to guess the other obvious ones dgjhfdj

3. BIRTHDAY? february 25th babey

4. WHAT IS YOUR FAVORITE BOOK SERIES? OH uhh princess diaries by meg cabot probably

5. DO YOU BELIEVE IN ALIENS OR GHOSTS? not to sure about those funky alien dudes but ehh yeah i believe in ghosts

6. WHO IS YOUR FAVORITE AUTHOR? i’d say michael morpurgo but that’s probably because his books were shoved down my throat at an early age DKJDFGJ if you can have a favourite poet i can answer this: atticus and lang leav

7. WHAT IS YOUR FAVORITE RADIO STATION? radio one probably!!

8. WHAT IS YOUR FAVORITE FLAVOR OF ANYTHING? the purple one. like, starburst? purple. wine gum? purple

9. WHAT WORD WOULD YOU USE OFTEN TO DESCRIBE SOMETHING GREAT OR WONDERFUL? being the millenial i am probably Uh...li...litty

10. WHAT IS YOUR CURRENT FAVORITE SONG? OH Hm i’d say ocean eyes by billie eilish

11. WHAT IS YOUR FAVORITE WORD? Hm!

12. WHAT WAS THE LAST SONG YOU LISTENED TO?  copycat by billie eilish!!

13. WHAT TV SHOW WOULD YOU RECOMMEND FOR EVERYBODY TO WATCH? LIE TO ME IS THE UNDER APPRECIATED SERIES OF THE CENTURY

14. WHAT IS YOUR FAVORITE MOVIE TO WATCH WHEN YOU’RE FEELING DOWN? oh uhh i don’t watch films a lot and especially not if i’m feeling?? sad

15. DO YOU PLAY VIDEO GAMES? never heard of them

16. WHAT IS YOUR BIGGEST FEAR? OH jesus lets say. being forgotten or making no difference in the world

17. WHAT IS YOUR BEST QUALITY, IN YOUR OPINION? oh Jesus not a lot of these GJFDH over the past mm month or so i’d say i’ve grown a lot as a person in the fact that i have more respect for myself than i used to, and if i have an opinion on something i evaluate it and decide Do People Really Need To Know? (DPRNTK)

18. WHAT IS YOUR WORST QUALITY, IN YOUR OPINION? EASY my weird. defense mechanism thing. i’ve gotten a bit better in my opinion but the reason i’m usually in so much trouble is because as soon as i’m attacked, i act with anger? its some weird defensive wall that i put up and regret later because i’m not really thinking like a rational person. i just see that i’m being attacked and my first thought is to fight back

19. DO YOU LIKE CATS OR DOGS BETTER? OH cats because i haven’t had one in ages. one of our cats was run over and the other was taken by our neighbours and now he doesn’t even remember us or respond to his name so thats really fun

20. WHAT IS YOUR FAVORITE SEASON? SUMMER because my skin turns olive in the summer and right now. a bitch is pale! also school is so much nicer in the summer... the whole yeargroup feels like much more of a community because we all sit together outside n it’s just overall very fun and makes me nostalgic of year 7

21. ARE YOU IN A RELATIONSHIP? bitch u really thought-

22. WHAT IS SOMETHING YOU MISS FROM YOUR CHILDHOOD? still in it but. because of a lot of things i was forced to grow up very fast. something i miss is having everyone in the house (my siblings are both a lot older than me so they’re never around) and not having to worry about fitting into certain stereotypes or WASHING MY HAIR!!!!!

23. WHO IS YOUR BEST FRIEND? oh god ok so i have a “best friend” but we don’t. agree on a lot of things and she takes everything i say 100% seriously so even though we’re not close i’d consider this group of boys from my school my best friends. and online ofc i have Many Many good friends which i would name but i dont wanna leave anyone out bc i talk to A Lot of people DGHDFJ

24. WHAT IS YOUR EYE COLOR? blue blue blue

25. WHAT IS YOUR HAIR COLOR? blonde babey

26. WHO IS SOMEONE YOU LOVE? my brother

27. WHO IS SOMEONE YOU TRUST? would say myself but sometimes i’m not even sure i can trust HER

28. WHO IS SOMEONE YOU THINK ABOUT OFTEN? i think about people loads because im a lonely romantic so. i’d say Love Interest and i think about myself a whole lot too like who does this bitch think she is

29. ARE YOU CURRENTLY EXCITED ABOUT/FOR SOMETHING? all the time i’m looking forward to things bc. not a whole lot happens in my life so if Love Interest looks at me a certain way i’ll look forward to going to school for the next couple weeks FDJGHFDJ

30. WHAT IS YOUR BIGGEST OBSESSION? i think of the future way too much. she’s a dreamer

31. WHAT WAS YOUR FAVORITE TV SHOW AS A CHILD? oh god uhhh i used to cry at in the night garden all the time when it ended bc i hated that iggle piggle sailed away on his boat DJHFD it was probably still my favourite though

32. WHO OF THE OPPOSITE GENDER CAN YOU TELL ANYTHING TO, IF ANYONE? i had a best friend who moved away after year seven and i feel like i could but. who knows we haven’t seen each other for years

33. ARE YOU SUPERSTITIOUS? sigh i think so like does it count if my tarot deck says not to do something because. i trust those tarot bitches with all my soul if i have one

34. DO YOU HAVE ANY UNUSUAL PHOBIAS? don’t like the dark, i have a fear of holes, can’t sleep without the door open, can’t sleep when i can see in a mirror (fun fact theres a mirror in my room but it’s on a shelf which i can barely see at night like. i can see a glimpse. but knowing it’s there freaks me out so its flipped and has something covering it)

35. DO YOU PREFER TO BE IN FRONT OF THE CAMERA OR BEHIND IT? oh ummmm in front i guess because 1. i look horrible in photos other people have taken of me 2. technically being in front of it. you can still take selfies and 3. the people i know take pictures from really weird angles

36. WHAT IS YOUR FAVORITE HOBBY? we love a bit of vidya games but i love reading poetry because i’m a whore and also i like singing but that doesn’t mean im good at it!

37. WHAT WAS THE LAST BOOK YOU READ? UHHH god i really dont read uhh probably lullabies by lang leav

38. WHAT WAS THE LAST MOVIE YOU WATCHED? romeo and juliet (the blessed one featuring young leo dicaprio)

39. WHAT MUSICAL INSTRUMENTS DO YOU PLAY, IF ANY? i can play the guitar, the recorder, a bit of the piano

40. WHAT IS YOUR FAVORITE ANIMAL? GIRAFFES it’s really sad that they’re now endangered. if ur talkin domestic pets i love guinea pigs, cats and (i’ve never had them but rats

41. WHAT ARE YOUR TOP 5 FAVORITE TUMBLR BLOGS THAT YOU FOLLOW? don’t. this’ll turn into a follow forever and i won’t get any clout bc it’s in such a long post !

42. WHAT SUPERPOWER DO YOU WISH YOU HAD? OH hm. i thought as hard as my tiny brain could about this and i think teleportation would be interesting but if we can choose ANY superpower. is magic one? that’d b pretty wack

43. WHEN AND WHERE DO YOU FEEL MOST AT PEACE? when i’m walking to school at half 7 in the morning and no one’s there and i can hear the trees lining the field rustling in the wind in the distance. it was rainng this morning and even though my whole ass was exposed from the wind and i was soaking it was really peaceful. also there’s a red kite that’s resident to our school field and i love to stand there in the morning and watch it sometimes

44. WHAT MAKES YOU SMILE? feeling included DGJHDJ doesn’t happen a whole lot

45. WHAT SPORTS DO YOU PLAY, IF ANY? i play a lot of sports because i’m in school obviously but i’m really good at rugby bc a bitch is Tactical and Nimble. i love hockey and badminton and stuff though

46. WHAT IS YOUR FAVORITE DRINK? i LOVE smoothies and milkshakes and everything ugh. i’d be bold enough to say i love drinks more than i love food. like apple juice orange juice MIXED juice smoothies BROWN BAG MILKSHAKES! BITCH! THE STRAWBERRY ONE IS SO GOOD UGH

47. WHEN WAS THE LAST TIME YOU WROTE A HAND-WRITTEN LETTER OR NOTE TO SOMEBODY? oh jesus um. 4 years ago

48. ARE YOU AFRAID OF HEIGHTS? fuck yeah brother

49. WHAT IS YOUR BIGGEST PET PEEVE? UGH A LOT OF THINGS like. people biting their nails. people tapping their foot on my chair. people not listening when you’re explaining something THEY needed help with. tapping a pen on a desk or clicking it on and off

50. HAVE YOU EVER BEEN TO A CONCERT? nop

51. ARE YOU VEGAN/VEGETARIAN? my mother is a vegetarian so i eat a lot of vegetarian meals. sometimes i get really put off meat but like. a bitch is 13 and doesn’t pay for her own meals so she doesn’t really get a say in what she eats

52. WHEN YOU WERE LITTLE, WHAT DID YOU WANT TO BE WHEN YOU GREW UP? always wanted to entertain people and be nationally recognised. take that as u will

53. WHAT FICTIONAL WORLD WOULD YOU LIKE TO LIVE IN? TOO MANY let’s go... the arcana so i can marry the 1 (one) love of my life dr julian ilyushka devorak... chill in the hanged man’s realm...

54. WHAT IS SOMETHING YOU WORRY ABOUT? i don’t worry about a lot not gonna lie to u

55. ARE YOU SCARED OF THE DARK? cheers i’ll drink to that broe

56. DO YOU LIKE TO SING? if the screeching sound i make to a slight tune counts as singing then. yes

57. HAVE YOU EVER SKIPPED SCHOOL? not illegally but i’ve had days off sick where i wasn’t sick bc i couldn’t be asked

58. WHAT IS YOUR FAVORITE PLACE ON THE PLANET? alone

59. WHERE WOULD YOU LIKE TO LIVE? somewhere safe

60. DO YOU HAVE ANY PETS? yeah i have a dog and a cat but as i said m cat got taken by my neighbours and doesn’t even remember us so sjfhdjg

61. ARE YOU MORE OF AN EARLY BIRD OR A NIGHT OWL? night owl but if i’m rested well enough i love being up early

62. DO YOU LIKE SUNRISES OR SUNSETS BETTER? sunsets

63. DO YOU KNOW HOW TO DRIVE? no a bitch is 13

64. DO YOU PREFER EARBUDS OR HEADPHONES? probably headphones bc i can’t lose them and the sound quality is better but i’m not a MONSTER so earphones. also headphones automatically make old people scoff at u and hate u more

65. HAVE YOU EVER HAD BRACES? nah

66. WHAT IS YOUR FAVORITE GENRE OF MUSIC? whatever’s poetic enough to be On Brand

67. WHO IS YOUR HERO? don’t really have one

68. DO YOU READ COMIC BOOKS? no

69. WHAT MAKES YOU THE MOST ANGRY? the holier than thou attitude Often showcased on simblr by some. familiar faces

70. DO YOU PREFER TO READ ON AN ELECTRONIC DEVICE OR WITH A REAL BOOK? it doesn’t really make a difference

71. WHAT IS YOUR FAVORITE SUBJECT IN SCHOOL? computer science (mainly for the people because right now we’re just making fucking. powerpoints) or english bc of the people again

72. DO YOU HAVE ANY SIBLINGS? yee a brother and a sister

73. WHAT WAS THE LAST THING YOU BOUGHT? christmas presents and some perfume & a purse for me

74. HOW TALL ARE YOU? 5′4

75. CAN YOU COOK? not well

76. WHAT ARE THREE THINGS THAT YOU LOVE? attention DFJHGSDJ uhh being kind to people who deserve it and hard work paying off

77. WHAT ARE THREE THINGS THAT YOU HATE? patronization, people who believe their opinion is the only opinion and people who cause minor inconveniences for you for no reason

78. DO YOU HAVE MORE FEMALE FRIENDS OR MORE MALE FRIENDS? more female probably but i prefer guys

79. WHAT IS YOUR SEXUAL ORIENTATION? i say bisexual but no one’s ever been close enough to let me find out

80. WHERE DO YOU CURRENTLY LIVE? party in the UK

81. WHO WAS THE LAST PERSON YOU TEXTED? kyla rosymiel

82. WHEN WAS THE LAST TIME YOU CRIED? UHHH i really can’t remember i know me and kyla were talking about something and i started crying JGFHDGJ

83. WHO IS YOUR FAVORITE YOUTUBER? oh god umm probably smii7y but i also really like all his friends like. kryoz etc

84. DO YOU LIKE TO TAKE SELFIES? when i look good FJDHSJD

85. WHAT IS YOUR FAVORITE APP? would say tumblr but she’s gone ! right now i’m really feeling zepeto bc It May Be Tracking Me but it lets me take pics with all my online friends and i have some sort of weird following on there SDFHSDJ

86. WHAT IS YOUR RELATIONSHIP WITH YOUR PARENT(S) LIKE? i don’t think i’ll ever be able to fully confide in them, i really like my dad but there’s elements of him that don’t really float my boat. same with my mum but i’m less close with her

87. WHAT IS YOUR FAVORITE FOREIGN ACCENT? probably australian or. is it swiss? might be swiss.

88. WHAT IS A PLACE THAT YOU’VE NEVER BEEN TO, BUT YOU WANT TO VISIT? france and ofc america

89. WHAT IS YOUR FAVORITE NUMBER? 4

90. CAN YOU JUGGLE? with like 2 things skdghsd

91. ARE YOU RELIGIOUS? not really but i believe in a higher power of some sort and a life after death. i believe there’s something out there that is listening but i prefer to think it’s the stars

92. DO YOU FIND OUTER SPACE OF THE DEEP OCEAN TO BE MORE INTERESTING? i find the ocean really ineresting but man will always romanticise space

93. DO YOU CONSIDER YOURSELF TO BE A DAREDEVIL? im a 13 year old white girl how ruthless can i be

94. ARE YOU ALLERGIC TO ANYTHING? sesame seeds

95. CAN YOU CURL YOUR TONGUE? nop but everyone else in my family can

96. CAN YOU WIGGLE YOUR EARS? nope

97. HOW OFTEN DO YOU ADMIT THAT YOU WERE WRONG ABOUT SOMETHING? whenever i realise

98. DO YOU PREFER THE FOREST OR THE BEACH? forest

99. WHAT IS YOUR FAVORITE PIECE OF ADVICE THAT ANYONE HAS EVER GIVEN YOU? it’s better to ask for forgiveness than permission

100. ARE YOU A GOOD LIAR? i lie all the time but i am. SO terrible ASJDFHJ i would love to lie less but it’s so easy to slip into one

101. WHAT IS YOUR HOGWARTS HOUSE? gryffindor

102. DO YOU TALK TO YOURSELF? hell yea brother

103. ARE YOU AN INTROVERT OR AN EXTROVERT? kyla put ambivert so i looked that up and. yeah

104. DO YOU KEEP A JOURNAL/DIARY? did when i was younger but i guess tumblr is somewhat of a personal diary

105. DO YOU BELIEVE IN SECOND CHANCES? depends

106. IF YOU FOUND A WALLET FULL OF MONEY ON THE GROUND, WHAT WOULD YOU DO? turn it in most likely

107. DO YOU BELIEVE THAT PEOPLE ARE CAPABLE OF CHANGE? “yes, but you should never forget about their past” thanks kyla

108. ARE YOU TICKLISH? only monsters aren’t

109. HAVE YOU EVER BEEN ON A PLANE? nope

110. DO YOU HAVE ANY PIERCINGS? i have my ears pierced. WILD i know

111. WHAT FICTIONAL CHARACTER DO YOU WISH WAS REAL? UGH FUCK DR JULIAN ILYUSHKA DEVORAK!! it’d be illegal for him to marry anyone but me though

112. DO YOU HAVE ANY TATTOOS? yep! i have a tattoo on my back. i plan on getting a lot more tattoos in the future, but i don’t want anymore in the near future

113. WHAT IS THE BEST DECISION THAT YOU’VE MADE IN YOUR LIFE SO FAR? being outspoken and not. watching things pass by

114. DO YOU BELIEVE IN KARMA? of course

115. DO YOU WEAR GLASSES OR CONTACTS? nopee

116. DO YOU WANT CHILDREN? oof i really don’t know because of what’s happened to me i don’t know if i could knowing i could never protect them from everything. idk pregnancy seems very nice but once the kid gets annoying thats It for me

117. WHO IS THE SMARTEST PERSON YOU KNOW? “i think everyone is smart in their own way” thanks kyla

118. WHAT IS YOUR MOST EMBARRASSING MEMORY? i started laughing once in drama and i pissed myself a lil and i was like ehh thats fine i do that all the time and then i didnt stop pissing and someone was like ‘whats that wet on the floor? they were like mia have u pissed urslef i was like nOSDJF so i had to ask the teacher to leave. u coiuld see the piss down my leg

119. HAVE YOU EVER PULLED AN ALL-NIGHTER? have u SEEN these bags. she’s seen hell 

120. WHAT COLOR ARE MOST OF YOUR CLOTHES? like varying tones of beige and then grey/black

121. DO YOU LIKE ADVENTURES? of course

122. HAVE YOU EVER BEEN ON TV? oh uhhh i feel like maybe when i was younger but i’ve. repressed that memory if i have it

123. HOW OLD ARE YOU? 13 years young

124. WHAT IS YOUR FAVORITE QUOTE? oh jesus something poetic and by atticus probably let’s see

after spending more time searching for a quote than i did on literally this whole tag, i decided on this. and then i realised. it will always be ‘YOU ARE A SAD BOY’

[skythegardener]

50 questions about Sky

No one asked, but here it is. Check under the cut:

Name: Sky Sweet(Viva Pinata Universe)

1. What does their bedroom look like?

>Plain. They have a king sized bed. The room was painted in a forest-y scene. They have a bathroom thats clean and a closet of clothes(they prefer their heart shirt and jeans). 

2. Do they have any daily rituals?

>They wake up, go downstairs and have coffee or tea(or nothing. depends). Care for any pinatas or animals or people needing care at the time in their house before showering, brushing their teeth, and getting ready for their day.

3.Do they exercise, and if so, what do they do? How often?

>Never, unless to keep up appearances. Their inhuman strength is just a natural extension of their less-than-human-ness

4.What would they do if they needed to make dinner but the kitchen was busy?

>Sky’s kitchen is never busy, and they don’t need to eat. But if for some reason they needed to cook for someone and the kitchen is busy, they’ll force themselves in there

5.Cleanliness habits (personal, workspace, etc.)

>Extreme hypocritical cleanliness. Bathes at least twice daily, makes sure there’s nothing dirty in their house. But habitually leaves dirty clothes in their laundry room to forget about. Don’t talk about the dishes. If they’re out working they don’t care as much.

6.Eating habits and sample daily menu

>They don’t eat if they don’t have to or want to. They don’t mind drinking stuff, but food? Eh. They eat if it suits them or if they need to seem More Human

7.Favorite way to waste time and feelings surrounding wasting time?

>Wastes time exploring and studying the land. They have numerous unreadable journals going on about life and plants and everything on Pinata Island. As well they may waste time in the…. Company of others or starting fights if they’re in a sour mood. Maybe drown sorrows at a bar or in the middle of the forest. They don’t mind themselves or others wasting time.

8. Favorite indulgence and feelings surrounding indulging?

>Ahem. Again, the company of others. They find it enjoyable and encourage others to enjoy their life how they see fit. 

9. Makeup?

>Doesn’t know how to use it in human form. Used to be your basic emo in feline form.

10. Neuroses? Do they recognize them as such?

>Some residual depression and PSTD. Not as bad as it once was, but sometimes it flares up.

11. Intellectual pursuits?

>As much as possible. Eternity is boring and long, why not learn stuff while you’re waiting for the end of existence?

12. Favorite book genre?

>None. Reads whatever

13. Sexual Orientation? And, regardless of own orientation, thoughts on sexual orientation in general?

>Pansexual! Just fine with anyone being anything.

14. Physical abnormalities? (Both visible and not, including injuries/disabilities, long-term illnesses, food-intolerances, etc.)

>Able to shapeshift, obviously. If they chose to they have ‘vitiligo scars’ and they have sharp teeth in their human form. As well as a tail. Their hair ‘naturally’ grows in blue, but they may claim that they dye it to avoid scrutiny. Their eyes are cat like, and in times of high emotion or weakness they may lose control of their shapeshifting and gain feline/demonic traits.

15. Biggest and smallest short term goal?

>Biggest: Hatch the Dragonache eggs they have. Leo needs siblings! Smallest: fix that fucking fence those pinatas keep breaking

16. Biggest and smallest long term goal?

>Biggest: continue exploring and gaining information on the island as well as maintain their garden. Smallest: Maybe find a relationship? Who knows. They’re fine with their current situation,

17. Preferred mode of dress and rituals surrounding dress

>Simple, but they don’t mind dressing up. As gender neutral as possible, usually ends up masculine leaning. They like their paw boots, their gloves, mask, jeans, and heart shirt. They’ll wear a lot of things though.

18. Favorite beverage?

> Coffee, Tea, or Alcohol. All of which are residual habits.

19. What do they think about before falling asleep at night?

>If they can fall asleep, they’re probably thinking about their original universe, past ‘lives’, what to do tomorrow.

20. Childhood illnesses? Any interesting stories behind them?

>Was never a child in the VP universe.

21. Turn-ons? Turn-offs?

>Sky prefers to share those with partners. 

22. Given a blank piece of paper, a pencil, and nothing to do, what would happen?

>Sky might jot down things in one of their original languages, sketch things they remember, or just ask for something to do. 

23. How organized are they? How does this organization/disorganization manifest in their everyday life?

>As organized as possible! They carry around the same things, obsessively straighten things or move things to the right spot, and might spend time fixing something they already fixed in order to feel some control.

24. Is there one subject of study that they excel at? Or do they even care about intellectual pursuits at all?

>Not particularly. At least not human subjects. Magic is a great skill of theirs, but they limit it to their “calming” magic so it specifically works on pinatas and animals.

25. How do they see themselves 5 years from today?

>back home maybe, or still on Pinata Island living a life and studying.

26. Do they have any plans for the future? Any contingency plans if things don't workout?

>Not particularly. Eternity is a long time.

27. What is their biggest regret?

>Oof. On pinata island? Probably getting into a fight with someone and permanently hurting them. Or hurting them beyond their sort of idea of how it’s okay to hurt them. Original world? Dying.

28. Who do they see as their best friend? Their worst enemy?

>On the island, they get along well with Petula and Leafos and their family. Costalot and Sky would brawl if they ever crossed paths probably. 

29. Reaction to sudden extrapersonal disaster (eg The house is on fire! What do they do?)

>Unless it results in the hurt or death of say a person/animal or the permanent death of a pinata, they don’t mind. Things can be replaced! People, animals, and pinata? Not so much.

30. Reaction to sudden intrapersonal disaster (eg close family member suddenly dies)

>Sky’s for sure gonna blame themself if at all applicable. They’ll grieve and move on eventually though. They always do.

31. Most prized possession?

>None, materials don’t matter. But they would like to keep these interesting packets of seemingly infinite grass, sand, and snow. They’re neat!

32. Thoughts on material possessions in general?

>Mortals seem to care about them, so they try to remember how to care about it for them. Really doesn’t matter to them though.

33. Concept of home and family?

>Searching desperately for a permanent one, but they know that’s impossible. They’ve got Sherbet in their universe though, thats all that matters.

34. Thoughts on privacy? (Are they a private person, or are they prone to 'TMI?)

>Doesn’t care about privacy much at all. They’ll tell people who ask that they’re supernatural and a shapeshifter and immortal and whatever, but they likely won’t admit to being a demon. If someone smart might put 2 and 2 together they’ll avoid telling about anything unnatural about themselves at all. 

35. What activities do they enjoy, but consider to be a waste of time?

>None, they don’t find wasting time an issue.

36. What makes them feel guilty?

>Unnecessary cruelty or being unable to help or save someone. Fighting does not count as an unnecessary cruelty though. Bloody noses and broken bones can be fun and consensual sometimes.

37. Are they more analytical or more emotional in their decision-making?

>Both. If it’s something very important, they’ll think it over. Most of the time they’re emotional, preferring the spur of the moment decisions to help or maybe beat the crap out of someone. 

38. Would they consider themselves a Type A or Type B personality?

>Type B? I dunno :/

39. What recharges them when they're feeling drained?

>Sleep, going out, exploring. Who knows

40. Would you say that they have a superiority-complex? Inferiority-complex? Neither?

>Superiority complex. Vainest mfer. Really trying to stop being so high and mighty but… not always successful.

41. How misanthropic are they?

>Eh. They find seculusion the easiest but sometimes you must go out on the town to just fuck around with people. It’s fun!

42. Hobbies?

>Studying stuff!

43. How far did they get in formal education? What are their views on formal education vs self-education?

>A highschool equivalent in their original world, none on the island. 

44. Religion?

>Yes. All of them. In their world, there was no real wrong answer! These uncertain universes scare them some though, they really rely on hope?!

45. Superstitions or views on the occult?

>Yes! All of it also. Listen…. Their original world is Wild. Also magic does exist on the island.

46. Do they express their thoughts through words or deeds?

>Both, but prefers action

47. If they were to fall in love, who (or what) is their ideal?

>Anyone. As long as they’re willing to put up with Sky. But they have a tendency to fall for those who are scary looking and could probably beat them up because who doesn’t like a little danger?

48. How do they express love?

>All sorts of ways! Keen on physical affection and gifts. Good luck getting those three words out of them though

49. If this person were to get into a fist fight, what is their fighting style like?

>Professional, but extremely unethically brutal. Sure it’s above the belt, but They Did Just Purposefully Break Your Nose. And kick you really hard in the side.

50. Is this person afraid of dying? Why or why not?

>Done it a lot. Already technically dead. Bring it on baby!

[topicprinter]

First off, I just want to make it clear that I didn't do this. A good friend of mine did and he doesn't use reddit so he agreed to let me post it here as I helped him a lot along the way. This is one of those neat "I'd never think of that" side hustles that ended up becoming a low effort extra income for him and two of kids. He made 15k after expenses growing cacti in his basement.Total grow time on our second attempt was about 8 months. However on their first attempt very little germinated for 2-3 months so be prepared to mess up your first time. Once we had the solution figured out we managed to get about 40%-50% of the cactus seeds to germinate in about 3-4 weeks. With 60%+ reaching a sellable size in about 8 months. We had another 20% germinate later and should reach a sellable size this year with our third batch. Now that we're on the third batch of seeds we have hundreds of cactus' in various stages of growth and repotting and selling will be done yearly.​Note: I'll be using us and we a lot , however I didn't actually take any of the profits, I set up grow tanks and lights as a favour and because I love seeing people start business' with their kids and the father is a long time friend of mine. BECAUSE OF THIS I DO NOT KNOW THE EXACT NUMBERS. THESE ARE ROUGHLY THE PROFITS AND EXPENSES.So if you're going to comment yOuR mAtH dOeSnT aDd Up, thats why. The exact numbers are not important, but I feel that this is an excellent example of how things can scale.What we used:We started with 1000 assorted seeds which ran us $100 CND + Shipping. Totalling $135Four used 20 gallon fish tanks, two had cracks and were free and two we bought at a yard sale for $20Soil, we used a mix of sand, siffed potting dirt and small gravel for drainage. This cost us about $50. \We started off with some really basic grow lights that we're basically household CFLs and LEDS. After the first 1000 we switched to grow lights we bought on Amazon that we're roughly $100 each, and we needed 4. So $400 so if you want to try this factor this in because I feel that this made the biggest difference in grow time.​After our first trial run we did the same thing but upped our seed count to 10,000 and scaled the number of tanks and lights we had accordingly. We learned that we could plant 500 seeds per setup, with a total of 20 setups.This was a big leap obviously, we still managed to source the fish tanks for very little but lighting and other costs soared to over $2500 dollars.. Currently we have 20 tanks set up with roughly 500 seeds per.Another factor, for us, it cost around $150 a month to run all these lights based on our local electricity rates. This may be higher or lower than your rates or you may live in an area where the sun can do most of this work for you. HOWEVER, I would not recommend relying on the sun to germinate the seeds. You're shooting for 50% germination rates and this can be tricky when you're relying on the sun. WE DID NOT FACTOR THIS IN ON OUR FIRST 1000 SEEDS, THIS WAS OUR MISTAKE. Technically, we lost money on our first 1000​Lets look at the numbers:The total cost for the first setup was roughly $605 including the better grow lights. Technically we didn't have that $400 cost right out the gate but I added it in because it made such a big difference.We had around 45% of the seeds germinate and the vast majority of them reached a sellable size within the first year. That spring, we sold 400 cactus' to two local gardening centers for $2.50 a cactus, they then resold them for $5-$10 based on size and what style of pot they were in. (The center chose to replant some of them in fancy pots.) We made $1000, minus the $605 in expenses, but, once we factored in the almost 10 months of grow time we actually lost $45 a month running the lights with this smaller batch (the $150 above was when we had 20 tanks). So Really, we lost $55 in our first year. ($605 + $450 = $1055 total cost.To offset this the kids took the 50ish remaining cactus' that didn't go through our wholesale deals and potted them in attractive pots and their mother helped this customize the pots with peoples names or other saying which they then sold for $10 - $20 each via Facebook and other online means. I don't have exact numbers here because my friend allowed them to use the money they made this way (it was a few hundred dollars) as spending money on their family vacation.Side note, but another thing I found incredible here was my friend managed to talk his oldest son into "investing" in his younger siblings business' with his lawn mowing money. He sunk $1000 into their business' and they actually wrote up a basic contract to sign. I thought that was pretty cool.Year 2:While they were away I helped by sourcing another 16 tanks and fitted them with air tight lids, we used a similar potting mix but added some cactus specific fertilizer we bought locally (note, we're in Canada so Cacti are not natural here, but it's become a very popular house plant). We fitted all the tanks with grow lights (bulk ordering knocked the price down to $80 a light) and I managed to scoop up very basic temp/humidity monitoring devices for $5 each. We then ordered 10,000 seeds and switched to used fish tank water to water our grow tanks (from a fish tank with live plants, we had someone check with water quality beforehand to make sure it was good). We planted 500 seeds per tank and we effectively cut our grow time in half. In 8 months we had more cactus' that we're bigger than the previous 10 month run.​Originally we had 45% success in ten months, this time we had more 60% in a little less than 8 months.Total cost for this scaled up version was;10,000 seeds $100020 grow lights $1600$150 a month in utilities for 8 months $1200$1000 for the needed fertilizer, soil and other odds and ends for the grow roomTemp monitoring and dehumidifier for grow room $200Total: roughly $5000Because we had bigger cactus' we managed an average price of $3 per plant and sold to several different gardening centers, stores and even sold a order to the local zoo.Total sales came in a just a few hundred dollars short of $20,000, making for roughly a $15,000 profit, we manged to pay our investor back (he doubled his money, not bad for a first timer) and the kids paid for this years family vacation. The rest of the money will be used to keep running this business (although they have an interested buyer and are thinking about selling). This year they're running the same number of seeds, they had to replace one grow light but overall this year should show record profits.​Why Cactus'? In theory, you could do this with any house plant. But,cacti are compact, you can grow a lot of them in a very small space. Once they're our of the seedling stage they're very hardy and can grow basically anywhere with enough lighting meaning that any plants we have outside of the seedling stage need very little attention. They're popular with interior designers right now and the cacti fad is in full swing making them an easy sell.This year we ordered another 10,000 seeds, this combined with our "left overs" from the last two runs we're expecting to have 7000-8000 cacti for this years selling season which should net us $22,000+ and with our reduced operating costs the majority of this should be profit.Long term we plan to use this years profits to build a greenhouse in an unused garage and branch out into other house plants.​

[themoneybuff-blog]

Is your home a better investment than the stock market?

Shares 169 Ill admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved. Perhaps this is technically true, but now and then as this morning Im reminded that teaching people about money is a never-ending process. There arent a lot of new topics to write about, thats true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, theres a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes its not.) Heres an example. This morning, I read a piece at Slate by Felix Salmon called The Millionaires Mortgage. Salmons argument is simple: Paying off your house is saving for retirement. Now, I dont necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money youve saved, just as if youd put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money youve invested. (Obviously, theyre not exactly the same but theyre close enough.) So, yes, paying off your home is saving for retirement. Or, more precisely, its building your net worth. But aside from a sound basic premise, the rest of Salmons article boils down to bullshit.

Lying with Statistics Looking past the paying off your house is saving for retirement subtitle on his piece (a subtitle that was likely added by an editor, not by Salmon), we get to his actual thesis: Making mortgage payments can, in theory, be a way to accumulate wealth almost as effectively as contributing to a retirement fund. Im glad Salmon qualified this statement with in theory and almost because this is pure unadulterated bullshit. And its dangerous bullshit. Heres how this logic works: If you buy an urban house today for $315,000 (the average price) and it appreciates at 8 percent a year for the next 15 years, you will be living in a $1 million house by the time you pay off your 15-year mortgage, and you will own it free and clear. Which is to say: Youll be a millionaire. For this to be true, heres what has to happen.: Home prices in your area have to appreciate at an average of eight percent not just this year and next year, but for fifteen years.You have to take out a 15-year mortgage instead of a 30-year mortgage.You need to stay in that house (or continue to own it) for that entire fifteen years.Once youve become a millionaire homeowner, you now have to tap that equity for it to be of use. To do that, you have to sell your home, acquire a reverse mortgage, or otherwise creatively access the value locked in your home. The real problem here, of course, are the assumptions about real estate returns. Salmon spouts huckster-level nonsense: The 8 percent appreciation rate is aggressive, but not entirely unrealistic: Its lower than the 8.3 percent appreciation rate from 2011 through 2017, and also lower than the 9 percent appreciation rate from 1996 to 2007. Thats right. Salmon cites stats from 1996 to 2007, then 2011 to 2017 and completely leaves out 2008 to 2010. WTF? This as if I ran a marathon and told you that I averaged four minutes per milebut I was only counting the miles during which I was running downhill! Or I told you that Get Rich Slowly earned $5000 per monthbut I was only giving you the numbers from April. Or I logged my alcohol consumption for thirty days and told you I averaged three drinks per weekbut left out how much I drank on weekends. This isnt how statistics work! You dont get to cherry pick the data. You cant just say, Homes in some markets appreciated 9% annually from 1996 to 2007, then 8.3% annually from 2011 to 2017. Therefor, your home should increase in value an average of eight percent per year. What about the gap years? What about the period before the (very short) 22 years youre citing? What makes you think that the boom times for housing are going to continue? Long-Term Home Price Appreciation In May, I shared a brief history of U.S. homeownership. To write that article, I spent hours reading research papers and sorting through data. One key piece of that post was the info on U.S. housing prices. Let me share that info again. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. (Personally, I believe that once interest rates begin to rise again, home prices will decline.) Heres the reality of residential real estate: Generally speaking, home values increase at roughly the same (or slightly more) than inflation. Ive noted in the past that gold provides a long-term real return of roughly 1%, meaning that it outpaces inflation by 1% over periods measured in decades. For myself, thats the figure I use for home values too. Crunching the Numbers Because Im a dedicated blogger (or dumb), I spent an hour building this chart for you folks. I took the afore-mentioned housing data from Robert Shillers spreadsheet and combined it with the inflation-adjusted closing value of the Dow Jones Industrial Average for each year since 1921. (I got the stock-market data here.) If youd like, you can click the graph to see a larger version.

Let me explain what youre seeing. First, I normalized everything to 1921. That means I set home values in 1921 to 100 and I set the closing Dow Jones Industrial Average to 100. From there, everything moves as normal relative to those values.Second, Im not sure why but Excel stacked the graphs. (Im not spreadsheet savvy enough to fix this.) They should both start at 100 in 1921, but instead the stock market graph starts at 200. This doesnt really make much of a difference to my point, but it bugs me. There are a few places 1932, 1947 where the line for home values should actually overtake the line for the stock market, but you cant tell that with the stacked graph. As the chart shows, the stock market has vastly outperformed the housing market over the long term. Theres no contest. The blue housing portion of my chart is equivalent to the line in Shillers chart (from 1921 on, obviously). Now, having said that, there are some things that I can see in my spreadsheet numbers that dont show up in this graph. Because Felix Salmon at Slate is using a 15-year window for his argument, I calculated 15-year changes for both home prices and stock prices. Ill admit that the results surprised me. Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didnt expect that. In each of these cases, housing outperformed stocks after a market crash. During any 15-year period starting in 1926 and ending in 1939 (except 1932), for instance, housing was the better bet. Same with 1958 to 1973. In other words, if you were to buy only when the market is declining, housing is probably the best bet if youre making a lump-sum investment and not contributing right along. Another thing the numbers show is that youre much less likely to suffer long-term declines with housing than with the stock market. Sure, there are occasional periods where home prices will drop over fifteen or thirty years, but generally homes gradually grow in value over time. The bottom line? I think its perfectly fair to call your home an investment, but its more like a store of value than a way to grow your wealth. And its nothing like investing in the U.S. stock market. For more on this subject, see Michael Bluejays excellent articles: Long-term real estate appreciation in the U.S. and Buying a home is an investment. Final Thoughts Honestly, I probably would have ignored Salmons article if it werent for the attacks he makes on saving for retirement. Take a look at this: If youre the kind of person who can max out your 401(k) every year for 30 or 40 years straight disciplined, frugal, and apparently immune to misfortune then, well, congratulations on your great good luck, and I hope youre at least a little bit embarrassed at how much of a tax break youre getting compared to people who need government support much more than you do. Holy cats! Salmon has just equated the discipline and frugality that readers like you exhibit with good luck, and simultaneously argued that you should be embarrassed for preparing for your future. He wants you to feel guilty because youre being proactive to prepare for retirement. Instead of doing that, he wants you to buy into his bullshit millionaires mortgage plan. This crosses the line from marginal advice to outright stupidity. Theres an ongoing discussion in the Early Retirement community about whether or not you should include home equity when calculating how much youve saved for retirement. There are those who argue absolutely not, you should never consider home equity. (A few of these folks dont even include home equity when computing their net worth, but that fundamentally misses the point of what net worth is.) I come down on the other side. I think its fine good, even to include home equity when making retirement calculations. But when you do, you need to be aware that the money you have in your home is only accessible if you sell or use the home as collateral on a loan. Regardless, Ive never heard anyone in the community argue that you ought to use your home as your primary source of retirement saving instead of investing in mutual funds and/or rental rental properties. You know why? Because its a bad idea! Shares 169 https://www.getrichslowly.org/home-investment/

[clearsandwicheagle-blog]

First time car insurance?

"First time car insurance?

I passed my driving test on the 6th of December 2011 and got a car yesterday. It is a 1.0 litre peugeot 107 56 plate and I'm 22. Wondering where the cheapest place to go for car insurance would be or the cheapest way to do it? I've heard some people go on their Mum's, but you shouldn't do that as it's illegal to say they are the main driver when you are (not sure how this would be proved). I've looked on price comparison sites but they are all still so expensive and I still feel I can get a better quote. The best one has been from an independent insurer called Ingenie at 1300, so I know I can get cheaper on sites that aren't on price comparison ones, if that makes sense! The thing is there's so many was just wondering if anyone knew the cheapest?? Getting bored of typing my details in over and over :) Thankyou x

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

RELATED QUESTIONS: 

To get a car insurance quote do they need my social security number?

I called an insurance company and they asked for my social security number. I gave it to them and my mother got mad at me. Are they suppose to ask for it for a quote?

Can I get cheaper car insurance if my mums with the NHS?

I'm turning 17 soon, and I know someone who's mum work with the NHS and they're getting 10 a month insurance on a new mini 1.6L. I just don't know where to look for the insurance, however I am looking at cheap, used corsas (obviously the cheapest with the cheapest insurance). Anyone help?""

My friend and I got tickets for rolling right thru a stop sign. Will insurance go up even if we dont get a pt?

So, a line of cars got tickets for 'rolling right through a stop sign'. We are considering just paying the fine and taking traffic school, so then we wont get a pt on our licenses. But will the ticket still count toward raising insurance rates if we dont get the point? What do we do if we take the traffic school thing online? Do we need to take the certificate anywhere when we pass? We live in California.""

Car Insurance when you're 17?

I'm starting driving lessons soon, and hopefully wanting to pass my test by the time I'm 18 and get a car, can you pay car insurance monthly at 17 or do you have to wait until you are 18 to do this? I would just like to know for in the future :) thanks!""

What is the best insurance and the cheapest one you think?

What is the best insurance and the cheapest one you think?

Does anyone know of a cheap but good motor scooter insurance company?

Does anyone know of a cheap but good motor scooter insurance company in the UK?

How will being unemployed affect my car insurance rates?

After being with Wawanesa for 12 years I let my car insurance lapse for 2 months and now have to reapply. I am now unemployed, how will that affect my rates? Do they look at it as driving less since no job to go to or driving more since excess free time now?""

Cheapest way to get insurance?

I will be getting w car when I am 16 and excuse my lack of knowledge about the technical side of cars, but my plan is to but a 05 plate Astra for 1000 or less which leave me with 1500 to get insurance. If I were to get the cheapest insurance, bearing in mind I will only be doing like 2 miles a day and the car is very small, I would assume it would cost me around 3000. Now, I know about 'fronting' but what if I was put down as MAIN driver for MY car and in put my mum and dad down as named drivers, I would guess it would then cost me around 2200, can anyone tell me if this would work please? And if not why? My parents would pay for tax and Mot and that stuff! Thnx guys""

Can I drive my car without insurance ?

Okay, so I've had my Chevy taho 1 year, i just canceled my insurance cause I'm about to sell it I'm living in California moving to Colorado so I'm gonna sell my car...I know in cali Seller must smog the car a 2nd time, but am i taking a risk driving it to go get it smoged? also.... i have not driven it cause I planned on selling it so it's also not renewed.... and to make matters worse I lost my tile, positive honest answers please =(""

Do you have to have full coverage on a used car?

im 21 at the moment and my gf has told me that if i get a car it has to have full insurance but thats kinda strange because they have other types of coverage that i wouldnt need

Insurance on a Nissan 350z?

I am wondering how much insurance would be for a 16 year old with that car. And what is the best way to insure it? Thanks

How much is insurance on a 2003 Acura RSX type S?

I'm a 16 year old boy and am looking for that as my first car. I've done drivers ed and have good grades, but im still worried insurance will be killer. Can anyone give me a realistic yearly figure for insurance? Thanks .""

Health insurance?

i am 22 years old and i have no health insurance and a LOT of health problems. does anyone know any affordable health insurance plans that would cover pills or partial of the pills, doctor visits, or most of the doctor visit, and hospital bills. i live in new jersey""

What is the cheapest way to get insured on a Ford Fiesta 1.2 for an 18 year old?

Hey, I just passed my driving test and the trouble is insurance :( I've found the perfect car for me which is a Ford fiesta 1.25 studio, 2006 model which has done 49000 miles and is valued at 3800 pounds. The insurance is nearly triple the amount of the car which is something I simply cannot pay. I was considering coverbox or insure the box but I'm not too sure. I've been researching online for a good few months now and all price comparison websites and insurers' websites seem to be suggesting the same price. So please if you know how to get cheap car insurance for a 18 male who has 0 months no claims, I would appreciate your help :)""

How to lower price for car insurance?

Hi.So I bought Renault Clio 1.2 16v Extreme for 2.5k . It has modifited alloys (16'),tinted black windows and back lights a'la Lexus. Obviously car was from 2nd hand so these modifications arent worth more than 250-300. I'm 18 years old and Im holding my driving license for 1 month. I quoted myself on many car insurance websites and all I see is 2900-3300 to insure it if I type that my car is modifited (without mods it's 1,8k to insure) ! My question is: Is there car insurance company that will not cover modifited parts but it will cover rest of the car so I'll pay like for non-modifited car? If it is - what's the name of that company. Thank you.""

Motorcycle Insurance?

Can anyone give me a rough estimate of what motorcycle insurance would cost me for a newer model sports bike 2007-2011 smaller size like a 250 maybe a little bigger. I am almost 19 I am enrolled in college I have had no accidents and no tickets average grades. I know nobody can give me a dead on quote just looking for an estimate in the ball park. I would only need insurance for six months out of the year.

Can the auto insurance kick you out?

1st time geting a license at the age of 63 then having 1st month of insurance then 3 weeks later geting an accident which involving crashing into an property which i assume the damage cost from the insruance eyes would be $25-30,000 where our eyes would be at maybe $10,000 plus they were 4 in the car all injured can the auto insurance kick a insurer out for this very 1st major incident? this shouldnt be suprising to any insurance company when it comes to New Drivers reguardless of age...bottom line can they kick them out and other insurance corps deny to sell insurance?""

Questions about insurance in NJ?

I just got my probationary license in NJ, and have a couple of questions about insurance. My parents have put me on their insurance plan and today i was given two POI cards-- one for each of their cars. Now, the problem is that I mostly plan to drive my grandmother's car. She lives with us and is getting to the point where she does not drive much anymore. She was told by her insurance company that i do not have to be put on her plan because we live in the same house, but i'm just curious how i would go about proving that i am insured if i ever got into an accident in her car. Can i just hold on to a copy of my POI from one of my parent's two card (in my wallet) to show a police officer, or do I need something specifically for that car? Thank you for the help :)""

Business names?What is a good name for an insurance agency?

What is the best name for an insurance agency

How to get the best damage offer from insurance company ?

I am a university student in Toronto(Canada). I saved up $5,000 and bought myself a car in 2006 -- a 1991 white Acura Legend in excellent condition with only 140,000 km. No major repairs were required up to now. I T-boned a car which was making a left turn this Saturday; my car is now totalled. The other driver will be charged by the police with making an improper left turn. I only took out liability coverage (no collision coverage); my own insurance comp is offering me $1900 for my damaged car, but I would like $2500 as the loss of my car is totally not my fault. My adjuster said that the insurance is quite firm on the $1,900. I would like to know what will happen if I dispute this amount? What can I do to get more than $1,900? Can I get compensation from the other drivers insurance company since she was at fault, if yes, how do I go about? I need a car to drive to school due to the distance. Thank you very much.""

""Friend driving car got into accident in my car in ohio, insurance question?""

I wasn't in the car. I let them go pick up a friend, they were on a semi busy street. My friend was walking up the street and my friend driving the car pulled over with the hazards on to let him in. 10 seconds after getting in the car and closing the door someone slams into the back of my car going between 40-60 mph in a 35mph zone. Totaled other driver's car. My rear end is completely crumpled, but still drivable. I haven't got it checked yet, waiting for the police to contact me in a couple days. Looks like it crumpled all the way to the rear of the frame so it may be bent or busted, so they might say it's totaled. If the other driver was at fault it should be her insurance's responsibility correct? She had full insurance coverage. My friend driving my car has full insurance coverage. I have insurance that only covers bodily injury/property damage liability and medical payments. Who's insurance should cover this?""

Driving without car insurance.?

Im 17, I have had my license for 2 months and my uncle gave me his car and i was wondering if i could drive it because he is still paying for the insurance on it, but I dont have any insurance of my own.""

What would happen if a car insurance policy gets canceled to nonpayment?

Okay so my car insurance is with geico and my monthly is 157.90 per month liability. & I'm in college and I had a issue with my financial aid and my mother doesn't have any money as well. They gave me up until tomorrow (September 22) before they drop me. I really like them because they said my rates would go down quicker by using them. So I was wondering what would happen when I get the money and able to pay them. Would my rates go up? Would I have to do a new 6 month policy? Would I even be eligible to reopen a policy with them?

How long does a traffic violation affect car insurance quotes?

Two years ago, Feb in 2011, I was caught driving with a suspended license. Since then, car insurance has been through the roofs. How long until my quotes are no longer affected by my violation?""

Omg! car insurance!!!!?

*iam17yrs old. *i have all As in all the classes(2 AP classes and 2 honor classes) *have a house but living in an apartment for yrs and will live there until i graduate high school *open parking lot for now *drive less than a mile a day *play sports *have hobby *female *car =around10thousand to 13 thousand$(not decided) *fuel efficient car *adding to my parents' insurance(all sate..ithink) ABOUT HOW MUCH WILL It COST A MONTH ??? i just want to know before talking to the insurance company

First time car insurance?

I passed my driving test on the 6th of December 2011 and got a car yesterday. It is a 1.0 litre peugeot 107 56 plate and I'm 22. Wondering where the cheapest place to go for car insurance would be or the cheapest way to do it? I've heard some people go on their Mum's, but you shouldn't do that as it's illegal to say they are the main driver when you are (not sure how this would be proved). I've looked on price comparison sites but they are all still so expensive and I still feel I can get a better quote. The best one has been from an independent insurer called Ingenie at 1300, so I know I can get cheaper on sites that aren't on price comparison ones, if that makes sense! The thing is there's so many was just wondering if anyone knew the cheapest?? Getting bored of typing my details in over and over :) Thankyou x

I need help understanding Health Insurance Deductibles?

Ok, so I'm going to get health insurance and I'm Having a challenge trying to understand the deductible situation. The Health Insurance I'm looking into is Blue Shield of California and they have many plans, and it seems that the prices get a bit higher when the deductible gets lower. What does the annual deductible mean? Is that the amount that I have to pay off first before my insurance can cover me?""

Looking for cheap & crappy life insurance.?

I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement. I don't care about financial stability of the company or a history of hassling the beneficiaries to collect. I don't care about guaranteed renewability, as if I'm not insurable, I don't have to buy the insurance. All I care about is price and that the policy comes with an official receipt that will satisfy their lawyers. Websites such as INSweb typically only offer 5-year term or longer, and I want cheaper than that.""

How come they want this much for car insurance??

My brothers leasing a 2013 Buick Regal GS, They want $1900 a year from him for full coverage. They want $2000 from my dad a year ONE WAY for a 2008 jeep commander v6.. Both with perfect insurance records no tickets.""

Can car insurance be in both my name and my wifes?

I just sold my car, and am waiting 3 months to buy a new car. My job requires that i have car insurance ( i dont know why since i dont drive for my job) I faxed a copy of my wifes insurance. Can my name be added on to the insurance, or do i need to get seperate insurance?""

Cheap car insurance for 17 year old male?

I passed my driving test a few days ago and in two days i will have completed the PassPlus scheme. I was wondering if anyone knew of anywhere that i can get a cheap car insurance quote for a 1.2L 1996 corsa. Ive tried go compare, money-supermarket, confused... but the cheapest one is still just over 4,000! Quinn-Direct was 6,000! I am still in college and have a 2 jobs but i could never afford 4000 a year! I have heard of some places that have a rule that your not aloud to drive within certain time limits eg. 11pm - 5am. but i wouldn't be driving then anyway so that doesn't bother me. Any advice/tips would be appreciated, thanks""

How much will health insurance cost for a 21 year old with no preexisting conditions?

I never had to pay for health insurance (part of family benefit package) so now I'm thinking of getting one. How much will it cost? I am healthy, work in an office (not dangerous), attend university (are there student discounts?), I am athletic,,, the only health issue my family has is that my dad is diabetic (but he got it when he was around 50 so i don't think it's heritable)] How about LIFE insurance?(the ones that don't have ending period ) approximate numbers will be appreciated.. thank you""

How much should i pay for insurance of my car as a new driver in toronto?

Do the insurance companies in toronto accept my no claim record of driving from other insurance companies of the other countries or not? I have a 20 years record of driving in asia and a 10years record of no claim in my current insurance co. thanks to everybody who could give me information

Whats the difference between Medi -Cal and Health Insurance?

Whats the difference between Medi -Cal and Health Insurance?

""In CA, would my mom's car insurance cover my car?""

I live with my mom in California and we both have cars. I just bought mine recently under both mine and my mother's name but do no have it insured. My mom does have insurance though. I got in a little fender bender a couple days ago but when the report got filed, I got a citation for not having my own car insured. What I mean to ask here is, if my mom has car insurance and my car is under her name as well, would her insurance cover me, therefore leaving the citation void?""

Any advice to offer on car insurance?

Do you have any advice to offer on buying insurance on my very first car for a first-time driver? Any advice at all? Any recommendations, anything to avoid, etc.?""

2 questions on car insurance?

1) I'm looking to buy a car soon after I pass my driving test in 2 weeks. I'm 20, I'll be turning 21 in November. I seen that the insurance price for a 17-20 year old is around 2400 and the price for a 21-24 year old is around 2000. If I were to get insurance 2 months before my 21st birthday, would I be able to pay 2 monthly rates of the 17-20 year old price and then convert onto the 21-24 year old price? Or am I stuck with the 20 year old price for one year? 2) If I were to set the voluntary excess to a higher amount to get a lower premium, would I be able to change the voluntary excess when I renew my car insurance? Or is it possible to change it every month if I chose to pay monthly? Thanks.""

Health insurance providers in the state of ohio?

i am trying to get health insurance quotes from as many companies as i can in the state of ohio. so far i have came up with: anthem aetna united healthcare humana anyone that i am missing? thanks

Insurance help? Please? ?

Hey guys, check it out. I'm looking for insurance, but i don't want to deal with going to each and every insurance site looking for a quote. Does anybody know a solid insurance. First-hand experiences are very much preferred. Also, I live in Pennsylvania, if that matters. I'm sure it does.""

Does production company need insurance?

One of my biggest concerns when starting a production company that would specialize in small time video making for buisnesses and there services for marketing and commercials possibly who knows would be INSURANCE would I need liability insurance or is it illegal to just not have that or is it for piece of mind.So say if my production business shoots a restaurant and there services and then shoot some motor cross business where they advertise there atvs and vehicles etc.If the answer is yes then what if I use my own stunt riders? is liability insurance a law to have? I'm in the TEXAS

What will my insurance roughly cost when I'm 19?

Hello, I'm 18 now and about to get my drivers license. I plan on getting a cheap car with low insurance the first year of driving for me. I always wanted a Mazda RX8 and I know that theres no chance of me getting insured for the car now so I was wondering when will it become affordable for me to get a Mazda RX8? Like for example what would you suggest my salary should be to realistically own that type of car in the UK? Thanks!""

Who is California Insurance Comany?

MY BOSS WAS IN AN ACCIDENT RECENTLY, WHEN THE INFORMATION WAS EXCHANGED, THE OTHER PARTY WROTE DOWN CALIFORNIA AUTO INSURANCE COMPANY AND A POLICY #, NO PHONE NUMBER, HER NAME, MAKE OF VEHICLE, MODEL AND VIN#. HOW CAN I FIND OUT THE PHONE NUMBER WITH THIS INFO. ONLY?""

Cheapest car insurance companys for 21year old with kids?

Some where that takes into account my situation rather than age. Ta

Health Insurance question for California?

Is there a state program for minors(age 16) of low income?

What's the most & best but reasonable/affordable Health Insurance??

in/for Indiana

Motorbike insurance quote 1202 (UK)!?

Could someone please let me know as to why my motorcycle quote is so high? I'm 18 years old and have recently passed my CBT. The bike I am purchasing is a 2009 YZF-R125 with a value of 3000. My friends bike, a CBR125, only costs him somewhere around the 400 per year mark. I don't understand it... Thanks for any replies.""

""Buying new car over weekend, But need insurance?""

Ok so I am most likely buying a used car tomorrow. This will be my first car as I am 16 and need something to drive to my job yada yada yada. Anyway, tomorrows a Saturday and my insurance company is closed and my parents need to add me to their policy. Since we are not trading in a car, we dont have a policy to carry over to the new one which I know some insurance companies do. Also, I have Farmers insurance so I am not sure what their policies are over this sorta thing. Any help is appreciated. Especially if you have farmers insurance or have had this kind of problem with them.""

Does individual health insurance qualify for tax deduction?

I am employed, however i am paying my own personal health insurance instead of opting for the group insurance which my employer has since it worked out to be cheaper than group insurance. Now when i am filing my taxes can i claim medical insurance premium as tax deductible.""

How do you switch from motability to owning a car with the UK's new car insurance policies?

Ok we've got a small problem. At present we get a car from motability, but we want to switch to owning our own car, but we have a major problem with this new all cars must be insured at all times or declared SORN scheme. The problem we have is that our motability car goes back in October. We're in a rural location so we need a car ready for when the switch over happens. At present with the motability insurance their insurance only insures one vehicle, the motability one, and can't have additional vehicles added to it. We've got a few quotes from insurance companies who have told us that when the motability lease expires they will give us the no claim discount based on the motabiity insurance, but they wont give us that discount until the motability car goes back. So what we want to do is get the new car before October, put it on the drive, check everything is ok with it, and then insure it when we start using it on the road when the motability vehicle goes back. Only problem is with this new law we can't do that without declaring the vehicle SORN. Some of the vehicles we've seen come with a few months road tax, so we don't really want to lose that by declaring it SORN, just for a few weeks (or is the tax disc still valid when you remove the SORN on the car?), we also don't want to insure the vehicle before the motability vehicle goes back as we wont get any NCB from the new insurer and that will cost us about an extra 500 in insurance (our current insurance price is about 500-600 but with 0 years no claims it goes up to around 1,000-1,100 - we have 3 years no claims with motability and I've held my driving licence for 6 years). I've read that you don't need this compulsory insurance if the vehicle is in trade, or between registered owners. That is one option, but how long after you buy a vehicle can you keep it in that status, would we be able to keep it like that for a few weeks or is it pretty much instant when we get the car. Obviously I realise I would need some kind of temporary one day insurance to drive the vehicle home after purchase.""

How much would it cost to insure my motorcycle?

I plan on buying a Suzuki dr-z400s and I'd like to know what some people are paying for their insurance. Or maybe just what I would be paying. I'm 16 years old, Male, and I have a clean record. I'm not sure what kind of insurance I would get but probably just liability. Thanks!""

What are the cheapest high risk car insurance companies? I have 2 DWI's!?

I recently got my 2nd DWI. I am looking for some of the cheaper high risk auto insurace companies that I can get in Missouri. Thanks for your help

First time car insurance?

I passed my driving test on the 6th of December 2011 and got a car yesterday. It is a 1.0 litre peugeot 107 56 plate and I'm 22. Wondering where the cheapest place to go for car insurance would be or the cheapest way to do it? I've heard some people go on their Mum's, but you shouldn't do that as it's illegal to say they are the main driver when you are (not sure how this would be proved). I've looked on price comparison sites but they are all still so expensive and I still feel I can get a better quote. The best one has been from an independent insurer called Ingenie at 1300, so I know I can get cheaper on sites that aren't on price comparison ones, if that makes sense! The thing is there's so many was just wondering if anyone knew the cheapest?? Getting bored of typing my details in over and over :) Thankyou x

I am a new driver with insurance queries.can anyone help me?

i am a new driver and i am thinking of buying a cheap,affordable,small car (ford ka). The problem is that if i put my father's name as the main driver,who has his licence since ages,and put my name as a 2nd driver, how much approx. will my insurance come down to?+ i got my pass plus.""

Do I need car insurance the moment I get my provisional license (CA)?

I'll be going out for my provisional drivers license tomorrow, and I was wondering whether I need car insurance if I do get my provisional license. My parents are planning to allow me to get my provisional license, but won't add me to their policy until a year down the road. Am I allowed to drive alone with my provisional license as long as the car I'm driving is insured by my parents? (California)""

Why are insurance quotes on comparison sites so high?

I'm almost 17 and I'm hoping to learn to drive and get a car. I was looking online to see what the insurance might be on some possible cars (ford KA, fiat sciento, nothing too fancy) but the insurance quotes were ridiculously high. The cheapest was around 6000 for third party which is really high because so many of my friends have cars and their insurance ranges from 1800-3000. Why is it so high and will it actually be this amount when I come to buy the insurance?""

What is the difference between dental insurance vs. dental discount plans?

I'm trying to figure out which one is most affordable for someone one a budget and beneficial for my needs? I'm 35 years old with 1 dependent child 12 years old and we both need braces, I need a bridge, crowns, root canal, replace over sized silver fillings.. etc.. any advice? Oh and I live in Southern California""

What cars get low insurance rates?

I am a 16 year old and just planning ahead for when i'm 17 and get my G2. I want to buy my own car...obviously a used one...a very cheap one. I am looking to spend as little money as possible on GAS and INSURANCE. I understand there are possible discounts for good students, or if you take a driving course...but in general, what cars get low insurance?""

What insurance company in California will insure me when wood is my primary heat source?

What insurance company in California will insure me when wood is my primary heat source?

No health insurance?

I don't have health insurance anymore because my COBRA coverage is over now. Because I have a pre-existing condition other health care companies won't take me. I have tried to find a job that offer health insurance, but seems very difficult right now. Because I own half of the house where I live. I been told that I cant qualify for any low income health care services. I don't know what to do? I dont even have a job, and Im considered well off to qualify for something. Have anybody out had this problem? I live in California.""

If i get my medical card in california will my parents see it since they pay for insurance?

I am about to get my card and i was wondering if my parents will see it, since they still pay for my insurance.""

Business Insurance?

Also what type of insurance does one need for a dollar store?

Health Insurance claims in LA?

How long must health insurance claims be kept on file in Louisiana hospitals and healthcare facilities?

Cheap car insurance for UK license driver in US?

need to insure two cars in the US with a UK drivers license. Three quotes so far all over $1500 for 6 months!! Anyone know of a good co. who can do cheaper--MUCH cheaper. Being penalised for not having US drivers license.

How much would insurance cost for a 16 year old?

I want to buy a 1 year old camaro but was wondering how much insurance would cost for a 16 year old male. I need an estimate for the cheapest insurance. Even if the liability is really small.

What is the cheapest car insurance?

I'm young and living on my own so I really need car insurance thats good but reasonably priced.

Why are there not provisions in the ACA that put caps on how much health insurance premiums can increase?

I just bought into a health insurance policy as I work 2 part time jobs and get no benefits in those jobs. Now my health insurance provider is saying my health insurance premiums will increase by 50% with higher deductibles and higher out of pocket maximums. This will put a strain on my finance as I can barely afford what I have now and having a $1500 increase really hurt. Why did this ACA not have something to cap these outrageous premium increases plus benefit decreases? It seems to be making it unaffordable rather than affordable.

How much will insurance on a 2006 Mitsubishi Ecplise be?

Im looking into buying one but was just curious on the price of insurance!

Car insurance and 18?

I live in mn and my car insurance is going to be 300 and some for liability and full is going to be 600 a month Is that good or high I do have not a good driving record and i drive a 99 s10 blazer

Car insurance help?

Is it possible for you to put someone on your car insurance plan like to add a person on? Make sence?

I need affordable health insurance and can't find any anywhere.?

I need affordable health insurance and can't find any anywhere.?

How are my insurance rates gonna look if i....?

i'm currently 17 (18 april 8th) and i've been driving legally since last july (got permit oct. 2007). on my record it says i'm driving my mom's 98 chevy venture (minivan). my dad and i are getting a 5.0l v8 mustang from around '86 to '93 and are fixing it up for me to drive. my dad's worried that the engine is pretty powerful so insurance rates will skyrocket (which he obviously doesn't want to pay along with the awful mpg this car has). will my insurance rates lower, stay the same, go up a little, or skyrocket?""

What is the rating on Safeway Insurance?

http://www.safewayinsurance.com/SIC/Default.aspx http://www.insure.com/articles/interactivetools/sandp/new_s&p.jsp I didnt found it online. by rating, I mean what letter? STANDARD AND POOR'S RATINGS DEFINITIONS AAA : EXTREMELY STRONG AA : VERY STRONG A : STRONG BBB : GOOD BB : MARGINAL B : WEAK CCC : VERY WEAK CC : EXTREMELY WEAK R : UNDER REGULATORY SUPERVISION NR : NOT RATED Do small insuarance companies get rated?""

Can I get arested 4 driving my car w/my name on the insurance if my dad calls the car(undr his nam) in stolen?

The car is under his name my name is on the insurance can I be arrested if my name is on the insurance and he calls it in stolen because he is mad that I left the state with it?

Do i need maternity insurance when I already have health insurance?

Just found out we were expecting... I am using Aetna health insurance, Do I need to add maternity insurance? Does it make a difference?""

What affordable health insurance is the best one out there for me? I have no health problems except BP I am 58?

I will be divorced in 2 months and will have to find my own health insurance. I have been with Anthem for 14 years and have no health problems and no medications except 1 blood pressure pill a day. I am waiting for a quote from Anthem for a single policy but I am afraid it will not be affordable. Thanks for all the help I can get!

Car insurance help please!?

I'm 18 and i just finished high school. I dont have a job yet, but i'll be getting one sometime very soon and i really really need to find car insurance. im mostly looking for something that i can pay quarterly. something somewhat cheap too. errr. please help. i only have one car and its a 99 mazda protege.""

How much would car insurance cost with a 2008 kia optima im 17 years old?

i get my lisence in 2 months i live in south florida and im gunna have to pay for my insurace so i need to know so i know how much im gunna have to work

First time car insurance?

I passed my driving test on the 6th of December 2011 and got a car yesterday. It is a 1.0 litre peugeot 107 56 plate and I'm 22. Wondering where the cheapest place to go for car insurance would be or the cheapest way to do it? I've heard some people go on their Mum's, but you shouldn't do that as it's illegal to say they are the main driver when you are (not sure how this would be proved). I've looked on price comparison sites but they are all still so expensive and I still feel I can get a better quote. The best one has been from an independent insurer called Ingenie at 1300, so I know I can get cheaper on sites that aren't on price comparison ones, if that makes sense! The thing is there's so many was just wondering if anyone knew the cheapest?? Getting bored of typing my details in over and over :) Thankyou x

Do I need a license/registration for Motorized bicycle or 50cc gas moped scooter in CA?

Do i need to register or obtain a license for the above 2 vehicles in California. I tried to call DMV but it really takes forever. I can't seem to find that info on the website either. Thanks

How much should my car insurance cost?

I am a 17 year old male and my dad bought me a 2007 Nissan Altima. He wants me to pay the insurance and I figured that it might be high...so I need estimates.

F1 student mandatory health insurance?

Hello I am an f-1 visa holding international student in the United States. My college is apparently going to make all the F1 visa students get the school insurance and not grant any waivers for any other insurances that still meet the coverage requirements. However, compared to my school's insurance which costs about $1500 per year, I have been having a insurance plan for $400 per year. Is disabling insurance waivers to make the students get the overpriced school's insurance even LEGAL? & What is the US's policy on such insurance swindle I need specific laws cited please.""

INSURANCE!!!!!!!!!!!!!!!!!!!!!...

How much would insurance cost on a 700 dollar rent appartment?? roughly.. for a calm project.

GMAC Auto Insurance Experience?

Anyone have GMAC auto insurance? If you do, please share your experience on how they apply discount and handle claims. I ask around for quotes online and the 2 insurance that gave me good quotes are Wawanesa and GMAC. Both seems to be good company but I would like to get some input from my fellow yahoo users. I currently have Allstate but their prices keeps going up instead of going down for all the discounts they put on my record ie. good driver, Home Owners, multiple policy and renewal. I ask the agent every renewal but they keep telling me that the insurance rate is going up in California which I doubt should happen every 6 months. Please no advertisement.""

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?

Teenager driver and car insurance?

my stepson just got his learner's permit, he may be driving my husband's truck once in a while to learn, (I think he'll be driving mostly when he's at his mom's house), a mile here and a mile there. We have geico insurance, do we need to add him temporarily? i tried to look at our coverage and get a quote, but it won't let me without actually adding him as a driver. i'm not about to add him without a quote since he's only 16... way too young to be driving in my opinion, but that's another issue...""

Will the Affordable care health insurance start from tomorrow itself?

I am planning to buy health insurance since I am going through a medical condition and cannot wait for the treatment. Can I buy Obamacare insurance? I heard it will be effective from Jan 1 2014. I know its kind of stupid question but is there a provision in the ACT that if I buy the insurance today (11/21/2013) will it be effective tomorrow or can the expenses be claimed after Jan 1 2014. Also, if I am not able to cover myself from now till dec 31 2013 then what insurance do you suggest? Thanks..""

""Motor Trader Insurance Regulations, what are the rules?""

I currently work for a company and drive a modified vehicle for them. It is not modified for speed but for a specific purpose. Anyway I would like to steal their idea and have tried to look for insurance for a similar vehicle (which I would construct). My insurance quote has come back as almost 4000, but I have discovered that they use motor trader insurance to cover themselves. So what are the rules with motor trader insurance, do I need to buy and sell some cars? do I need to be a registered LTD company? What would qualify me for motor trader insurance? UK Answers only please (as the rules are likely to be different in different countries). Thanks SPAMMY PEOPLE SHOULD BE KILLED IN A HUMILIATING AND PAINFUL WAY. IF YOU SPAM THIS QUESTION I WILL REPORT YOU.""

What are your opinions about the different car insurance companies? Which one is the best?

I currantly have Geico for our auto insurance. They are cheap but i am seeing why. thier customer service SUCKS. i would really like some opinions on different car insurace companies. Thanks!!

How much does allstate charge for insurance ?

Im wondering about how much would allstate charge for insurance on a Range Rover sport supercharged ? Help please and about payments and all of that .... thaanks :)

I think my short term disability due to giving birth got messed up?

So I want on leave on May 20th due to best rest. I used all my vacation and leftover sick time, and the rest is paid by short term disability, a total of about 9 weeks total. I stayed home 6 weeks after my baby was born since my work doesn't cover any of my pay. I work in a very small private business, just 3 of us. My boss had never handled maternity leave before, and I think he did it wrong. A few weeks after I gave birth he said he got a check from the disability insurance agency, it was made out to his business. So he cashed it and wrote me a check for the total amount from his business account. There was no explanation of how to dole it out, so he just gave me the total amount. Then, just now, 3 weeks later, I got another check mailed to my home from the insurance company?? What happened? I should of only got paid for the 3.5 weeks I believe from short term disability because I was paid for the rest. The insurance company is not open until tomorrow so I cannot call them yet.""

""How much does E&O insurance policy of 300,000 cost?""

I want to go into a business venture and part of my requuirements is to have a E&O policy worth at least $300,000. How much will that be a month?""

Will my insurance rise if i get a motorcycle permit?

i have a drivers license, and my dad has his license and motorbike license, im on his insurance, will his insurance increase if i just get a bike permit, but no license?..(do they find out the minute the permit is issued or do you have to call them and tell them)""

How much is car insurance usually?

and what makes it change? car type and age of owner?

How does car insurance repair the accident?

I mean we all know that whoever faults at accident gonna pay for repairs from their insurance. However my questions is what if I buy used car that have little damages on it. As I drive on road, maybe a month later somebody cause accident to my car and police rule out it's their fault. So how can their insurance pay for my car repair from new accident if I already have damages on my car before I buy them? According to a law, once accident happened the insurance only pay for repair from new damages not from old damages. It's insurance fraud if they pay for whole repair that is not part of their causes. Example: I buy a car with rear bumper damages, just little paints and dents on rear bumper. When the accident happen, it cause rear bumper to fall off and it needed new bumper, how can insurance pay for new bumper if some of it was already damages when I buy those car? They might write off but if car is value at 10K and cost repair is 800 dollars then it cheaper to fix but how? How without insurance fraud?""

I was in an auto accident without insurance. What am I facing?

I was in a car accident yesterday. I live in California. I had no insurance at the time, although I was unaware that my girlfriend had not sent in my quarterly paryment and was actually driving without insurance for almost 3 months. The day after the accident I went in to the Highway Patrol's office and spoke to the officer who took the report and informed him I discovered I had no insurance. He didnt seem all that concerned and thanked me for going in. As for the accidnet itself, I belief I will be found at fault as I did not brake in time and rear end a small car who in turn hit the car infront of her. I was traveling at about 30 mph when I started to brake and I heard the firefighter at the seen tell the chp he thought it was 25-30 mph. If anyone could tell me what I am facing legally and finacially. I read online I will automatically have a one year driver's license suspension. Is this accurate and is this all? WIll I ge a ticked or fine? I would also like for someone to rule out jail time. The driver immediately infront of me had good damage to the back of her car and was taken to the hospital with minor injuries. Her daughter called me the day after the accident and told me she was at her house but wanted her car fixed soon because she wanted to return home in another state. I suggested she call her own insurance and let them know I was inot insured. THe other driver in front and her passenger were also taken to the hospital with minor injuries and their car had minor damage when I looked at it at the time of the accident. I have not heard from them. Financially can anyone tell me what I am facing? I understand I will be responsible, but I also understand that the other parties' insurances will have to cover their own drivers. If so will I simply be responsible for their deductable. I am more concerned with the legal aspects than the financial. I am an single father of three and need to be there for my kids. Thank you to whoever can help!""

Who offers the cheapest car insurance in the Uk?

Ok im 22 years old and have have been driving for 4 years. Only one crash 3 years ago. Just got my renewal notice through the post. It has gone from 56 to 81. That is a alot for me. Whats the point in a NO CLAIMS BONUS?

How much would the car insurance for a Dodge Challenger 392 STR8 be?

Considering that it's for a 20 year old with two other adults included in the insurance plan of State Farm *If you have any information please help, this is for a Driver's Education project""

California Insurance company that will insure a shake roof?

Does anyone know of an insurance company that will insure a home with a shake roof. We put an offer in on a house in Big Bear CA and now we are 3 weeks out of closing escrow and need to find an insurance company that will insure it for the close of escrow??? PLEEEEEASSSSSE HELP!!!!!!!!!!!!!

Car insurance for people who commute by train. Who does this?

I saw an ad on the underground advertising cheaper car insurance for people who commute by train mon-fri. Does anyone know who does this? Thanks

Health insurance question?

Is there any way I can get health insurance? I have no money and no job. I recently had to quit my recent job due to moving. I'm 19 years old and have a disc herniation that I'm trying to get checked out. Parents don't have money and will not take me not their fault, healthcare as I know is expensive. Ill have a job by the end of November is there anyway I could somehow get insurance through a loan or something similar? Probably a dumb question but it don't hurt to ask.""

What is The Age Limit To Use My Medical Insurance?

Hi I'm 20 years old and i want to know what is the age limit medical insurance covers? I hardly use it and now that i need it to have an eye check, I don't know if it will cover me... I reside in California. Thank You!""

Pass Plus lower insurance?

Ive passed my driving test and looking to get a car. The plan was to get a car and put my dad as the first named driver and add me on. From what ive found its around 2800+ which is a lot of money. My driving instructor says Pass Plus is a good idea for when you pass your test, will it lower my insurance? Or is it just a myth?""

Cheapest car insurance? UK? For young drivers.?

What company or what car is the cheapest to insure? We are looking at buying a car, but since my hubby is only 20 the insurance is through the roof. (Can't seem to find a quote less that 2000) Any one got any ideas?""

First time car insurance?

I passed my driving test on the 6th of December 2011 and got a car yesterday. It is a 1.0 litre peugeot 107 56 plate and I'm 22. Wondering where the cheapest place to go for car insurance would be or the cheapest way to do it? I've heard some people go on their Mum's, but you shouldn't do that as it's illegal to say they are the main driver when you are (not sure how this would be proved). I've looked on price comparison sites but they are all still so expensive and I still feel I can get a better quote. The best one has been from an independent insurer called Ingenie at 1300, so I know I can get cheaper on sites that aren't on price comparison ones, if that makes sense! The thing is there's so many was just wondering if anyone knew the cheapest?? Getting bored of typing my details in over and over :) Thankyou x

https://www.linkedin.com/pulse/how-does-replacement-cost-insurance-work-shelby-phillips"

[weannoyingbouquetgalaxy-blog1]

Why are car insurance for men more higher than women?

"Why are car insurance for men more higher than women?

I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?

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

RELATED QUESTIONS: 

""If I am under my wife's health insurance plan, do i need to get my own insurance under Obamacare?""

Currently, my kids and I are under my wife's health insurance plan. I heard that if we stay under her plans, we will be penalized once this Obamacare goes into effect.""

How much would the insurance be on a 1970 Chevrolet Chevelle SS for an 18 year old?

I need to know how much it would be for both the 454 and 396 model. *And my driving record is clean.

What are some affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

Is life insurance for people over 70 available?

Is life insurance for people over 70 available?

""If a car insurance policy cancel your policy, can they still charge a cancellation fee?""

I have held a full uk driving licence for 14 years.......my husband (who has a provisional licence) was put on my new policy last year as a named driver. Today, he passed his test, so to keep it all legal, i contacted the insurance to advise of change of circs. I expected the monthly premiums to rise a little, but what happened next confused and angered me and I really need to know if there is anything I can do......he we go....they said they could no longer insure me and my husband and that they would cancel the policy and were gving me 7 days notice before this happened, (why cant it just be amended, i know loads of people that have done this) they said it was a special deal for me because i had a provisional driver as my named driver..(to me this makes no sense, they work on risk, surely they wouldnt give special deals for unexperienced drivers?) but the icing on the cake they want to charge a 40 cancellation fee, however i am not cancelling they are??? also i can take out a new policy with them which i have to pay an admin fee for making a change to the policy, however it is supposedly a brand new policy??? Has anyone any idea what to do or any ideas? i know I could just change insurers however it would be easier and cheaper to stay with who i'm with and I was never told when I took the policy that if my husband passed his test this one would be void..........and this is more principle as I dont like being hadover, I am going to phone and kick off tomorrow, but want to know if anyone has any solid rules and regs on this. Any help will be appricated........bloody insurance company.....also they have ruined the whole pass day for my hubby who wanted to go and drive around on his own and now cant!!!! grrrr""

Car insurance and international driver's license?

Hi, I'd like to know if it's possible to get car insurance and buy a car in the USA if you don't have an American driver's license... I only have a French driver's license and an international driver's license. Could you please also tell me how much does car insurance approximately cost for 1 year? Thank you very much in advance.""

Can you get your Lexis-Nexis insurance score?

I recently got a quote for auto insurance, and the company said they used Lexis-Nexis insurance score - am I entitled to get a copy of this report for free? If anything on it is wrong, can I have it changed?""

""Cheap insurance cars, help me choose.?

I'm looking for a 2002 car and I'm thinking of: Ford fiesta 1.1 Vauxhall corsa 1.2 Toyota yaris 1.0 Nissan Micra 1.0 I would welcome other options and choices And your opinion will count! I want to get a cheap insurance and I can afford up to 2.300

Whats the cheapest car insurance for teen?

Hi I'm getting my drivers license in two weeks I don't have a car still trying to find one. I'm 17 I live in Hollywood,fl and I'm just trying to find out the cheapest insurance for me. So if you can help me and tell me who has the best policy for teens full coverage and or liability for the cheapest price. Also I didn't Go to driving school""

I need advice on car insurance?

OK. Heres the history. I have 3 tickets on my record, two for speeding, and one for running a red light. I'm 18 years old and I am male. So i know I'm already ******. But i need to know is it possible for me to get car insurance again? Oh and technically I've had two accidents. And **** everyone who says Im a bad driver because Im not. I was just a dumb 16 and 17 year old. Quite frankly Im a greater driver than probably everyone who answers this. so shutup. REAL answers please. Thanks.""

I have an insurance question?

If the government regulates and requires auto insurance, why dont they provide it? Flood insurance is provided by the government so why not auto insurance?""

Does Car insurance increase for adding spouse as Non-driver?

I have been added to my Dh policy for Car insurance as Non-driver. I dnt know driver. Does it increase the insurance rate? suggestions please

""Online Auto Insurance Quotes, are they really safe and accurate?""

I know several people who have submitted their information into one of the many online auto insurance quotes and now they have solicitors all over them, on their phone, emails, junk mail and even one case of Social Security Identity theft. So my question is: Are these online auto insurance quotes really safe? Doesn't it make sense to stay with a local auto insurance agent you can do business with either on the phone or in person.""

I need cheap car insurance?

I need cheap car insurance?

""Im a new driver and my insurance in 1600 or above, i have tried all the cheapest cars!?""

i have just passed my driving test and i am looking for a cheap run around car to start me off, ive tried all the cheap cars (fiestas, peugeots and much more) but nothing seems to take my insurance lower, does anyone have any ideas...???? thanks.""

How can u break a medical insurance policy to get your own insurance?

my girlfriends mom wont give her the copy of medical card and wants to get her own policy

About how much would it cost to for a year of car insurance for a 17 year old in new york?

I am planning on getting a used 2001 Mercedes-Benz C-Class C320. Before I buy the car I will have a senior license and will have taken drivers ed and a defensive driving coarse.

Life insurance: Which would you pick?

Scenario: 30 year old purchasing a $250,000 policy. Would you buy: A) Whole life insurance that cost $3100/year. By age 65, you will have $60,000 in the cash value. B) 35 year term that cost $1500/year. If you invest the difference of $133.33/month with a rate of return of 12%, you can have $866,000. Or even at a conservative rate of 10%, you can have $510,000. A or B? I wish I learned about term and investing the difference a long time ago.""

How much is home-based insurance?

I am thinking of making money with waxing. I was just wondering how much it would cost me to pay insurance for myself, I am thinking I just need errors and omissions (i.e. liability in case a client decides to sue me). FYI I live in Canada. Thanks!""

""NYC Car insurance for 18 year old dude, please help.?""

Ok so heres the deal, I am 18, a guy, living in nyc and looking to buy my first car. Now my parents dont drive so Im on my own for insurance. Now Ive been shopping around to every large company and even small, and the lowest I could get a monthly payment down to was around $371 a month. That is the state minimum coverage with no collision coverage. Its gonna be used whatever I get so I dont need the collision. Now the help I need is if anyone knows any possible way to get anything cheaper, I can deal with something like $200-$250 a month. If anyone has a success story or knows any agents or brokers personally and could help, Id love to know. Now dont tell me I should go on a family member or something, thats not an option. Ive done all the research and been doing quotes 24/7. Now Im a student just trying to get to school and work safely and efficiently. I have a clean license nothing on it. Please and thank you for any help.""

Should i have to pay for my moms car insurance?

Now i am 18 and just graduated high school and i still live with my mom. She says since i have a drivers license and i live in her house her car insurance goes up and because of it she wants me to pay her like $150 every few weeks or something. Now its her car and i dont see why im having to pay anything i never hear from other people or my friends about their parents car insurance going up and them having to pay anything. So do you guys think i should have to pay for my moms car insurance or is she just making that up to bum money off me cause shes cheap like that and always wants money from me.

How much would like insurance cost for my 60 year old mom?

i will be paying but is it based on her income? im looking to buy anywhere from $100,000 - $1,000,000 life insurance she suggested i do but i have no idea where to start and what are some legit real life insurance companys? thanks""

Possible new car owner with questions about insurance prices?

I'm looking into buying a car. I'm just now about to get my driver's license and I am a twenty year old college student. I need a car to get to work next year, but I need to know if I'll be able to afford one with insurance as well. I live in Georgia, and I just want bare minimum coverage. I'll upgrade if I get a job when I graduate, but until then, I just need something to get me by, you know? How do I go about getting cost estimates? Any time I try to get a quote, I need to already have the car information, but I can't buy a car without knowing how much it's going to cost me...""

""Axa car insurance, am I insured?""

I have my toyota avensis 4 door saloon car insured through my broker with Axa. The insurance certificate i have received says 5 door hatchback. I have rang my broker and have been told Axa do not recognise an avensis D4D vermont as being a 4 door saloon. I know what car i have, now i wonder am i really insured, if the insurance policy and the tax book dont match.""

What is the cost for home insurance based on?

I am thinking of buying properties in other states to use as rental income. The properties are cheap so i can afford to pay cash the issue how ever is that the rent is also cheap in Update : Yes i know being a distant landlord is difficult so if it makes economic

Why are car insurance for men more higher than women?

I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?

Should I take health Insurance?

I am 30 years old and have no medical history. Should I take Medical Insurance?

Health Insurance should be illegal?

Why not? Hospital fees would fall drastically! Funny how no body really knows what the hospitals charge... And funny how socialist countries are ranked above U.S. Oh yeah and I love how doctors in U.S. are pill salesmen.... Pathetic. Eliminate Health Insurance and guess what!!! Healthcare will be affordable! what you think?!

What to do when someone has an accident in your car...no insurance?

A friend took my car without exactly having my permission (had permission to drive, but not where the accident took place). We are in WI where insurance is not required so our lapsed (bad move on our part, but we are past that now). The friend was at fault in the accident and our car is badly damaged although the other car was not...what do we do now?""

How much is insurance on a ninja 250?

i am going to buy one in the next few weeks. i have a clean driving record. no tickets. no wrecks. im 22 years old. i live in kentucky. how much is insurance and what company's are best to get a quote from?

What insurance group?

I'm interested in the Mazda RX8 but would like to know the insurance group without having to go for a quote. I'm not looking at a specific car just love the cars and am interested.

Around how much does car insurance cost for a 19 year old?

Buying a 2008 Camry. Are they alot to insure? and is it true if i get a red car its more money?

Cheap or free help with medical insurance?

I need health insurance for myself my children are covered under medicade and I need health insurance that is free or cheap

First car ideas? I'm going to be 17 so insurance is a problem what car is cheapest to buy and insure?

I'm not interested in a Nissan Micra or Ford Ka. Need a cheap car to insure and to buy..

Best place for car insurance?

I'm 16, and so I plan on starting to learn all the theory before starting driving lessons the day after my 17th birthday - as you can probably tell! Anyway, my mother and I have been discussing little cars and what not for when I pass, but insurance is another problem. Is anybody aware of a good place that will insure a teenager for not too much? I have heard that Admiral's Littlebox is quite good - has anybody any reviews for them? All answers and suggestions greatly appreciated! :-) Thanks""

How much does it cost to KEEP a car like range rover?

ive never had a car, but i know that expensive cars are also expensive to KEEP, with all the insurance, gas, and idk what else, (if u could list it that be nice too) so how much does it cost to keep a car like range rover (per month)?""

What makes car insurance cheaper for young drivers?

I know it's to do with the car. Sometimes engine size and security features and the year it was made. So what other thing and what cars fit into cheap insurance

How much would i pay for car insurance? Estimate?

I know that it depends on a lot of factors but can you estimate how much i would pay for car insurance on a monthly basis - I am 18 years old - will be driving either a 1999 or 2000 model - will be attending college after the summer - clear background - this will be my first car - I live in a very wired and exotic place called MARYLAND

Does any one know about any 0 deductible health insurance plan with low monthly payment?

State California

How much would my insurance be?

If I am 17/18 years old. The car is used from about year 2000 or 2003, costs me around $4,000. This is in NY CITY. If it's a Nissan Altima. Thank you.""

""If i pay CASH for a street bike [motorcycle], do i still have to get insurance?""

certainly i wont have to get full coverage since it will be paid for, but am i required to get liability, as i would with a car? if you show me a link to a website that backs up your answer, i will select you for the best answer.""

Car insurance tricks to make it cheaper?

Im getting a car but my insurance is going to be 8000 is there any tricks to make it cheaper? my friend told me to use Learner Driver Insurance and use it for a year and it will cost me 1000 pounds should I do this or not?

Is my car insurance in place.?

basically i applied for a car insurance and in the quote i put in a false licence held date as i only had my licence a month ago but i put in march 2012. They have taken the deposit of 300 already from my account so does that mean i got away with the lie about the licence held date and does that mean my insurance will be in place soon. I lied because i think insurance is cheaper if you have old licence. thanks

Under the Roberts ruling why cant the gov. require everyone buy car insurance.?

Whats the difference. The only differences I see argue better for the personal mandate for car insurance more than health insurance. 1. Everyone using a vehicle on a regular bases. Even if you dont drive, you take a bus or cab or cross a street. 2. Driving is at least 10 times more dangerous than anything else most people will do on a daily basis. 3. If you have car insurance you less likely to need healthinsurance.""

Average Teen Car Insurance Prices?

I'm a 16 year old female who is currently just looking around to see how much I can expect to possibly pay when I get my own car. Please don't give me answers like Add yourself to your parents insurance Or Have your parents call their agent ... My parents DON'T drive and I'm NOT burdening anyone else in my family to put me on their insurance plan. I want to be independent and see if I can do it on my own.. So back to the question. On average, how much money could someone in their teens expect to pay for car insurance?""

Affordable health insurance plans?

The company where I work has just informed me that they will be canceling our medical benefits at the end of this month. What are some decent plans that I can get on my own that arent too expensive. I was paying $100.00 per month thru my job and would like to keep my premium around the same. I live in Wisconsin. Thanks for any advice.

Can I drive a car and get it insured in my parents name?

I'm thinking of buying a car as soon as I pass my driving test next month and I heard that car insurance for a 20 year old is really expensive so I was wondering if I was able to ...show more

How much would car insurance be per annum for a 17 year old girl (new driver) with a car worth around 500? ?

How much would car insurance be per annum for a 17 year old girl (new driver) with a car worth around 500? ?

Does anyone know a cheap liability insurance company for an 18 year old?

Please let me know asap. Thank you!

How much does car insurance cost.?

I am 18 and ready to get my drivers license but how much does car insurance cost per month on average.?

Auto Insurance in Ontario?

Hi, I just bought a used Toyota Tercel 1999. I am living in Toronto, Ontario, Canada I am wondering in anyone knows which auto insurance comapny is the best in terms of giving a good rate and give you least hassle about claims. all help is greatly appreciated.""

Why are car insurance for men more higher than women?

I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?

What is the best health insurance for a college student?

My mother recently changed jobs so i lost my health insurance. I've never actually looked into insurance because it was always already there for me (which was stupid of me not to do). Which is the best insurance to have in terms of coverage and cost?

Do i have to pay insurance on a car if its not being driven?

my mom is buying me a car. I have my permit and I get my liscense in May but I want the car now. My mom says that she doesnt want to have to pay insurance on the car and just have it sit there, but I really want it so I can sit in it and show it off to my friends, who all have cars. if noone is driving the car, does there need to be insurance on it? she said that it does because what if someone were to hit it while it was parked on the street. also, does it have to have a liscense plate and can i get all that stuff without having to get insurance? i wanna get it now and then convince her to get insurance and let me drive it. it will be easier to convice her if i already have the car. the car i want is a manual but she wants me to practice in her automatic because thats the car im using for the test. im tired of driving her car and i want to drive my own, especially because its a stick.""

Will insurance pay for a cracked windshield if it happened before I was insured?

I just purchased a used car, and there's a crack in the windshield, nothing serious, but whatever. How much would it cost me to get it replaced, and would by insurance company pay for it? lol (btw - its a 1998 Ford Explorer)""

Provisional Car Insurance?

I am currently looking for car insurance on a car I own, The car is an 04 punto. Basically I need provisional insurance for a month and I own the car so I need a policy that covers both of these, I am 18, Any suggestions? Thanks""

How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?

I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""

I am looking for the website for the Illinois Insurance Auto Assigned Risk Pool?

This pool provides insurance for high risk drivers on a rotating basis.

Who provides really affordable car insurance?

I'm 19 in a month, I drive a 2002 Ford explorer and it needs to have full coverage. What are some cheap insurance providers for teenagers? What can I do to lower the cost?""

16 year old insurance drive sports car?

I have found a Toyota Corolla that I REALLY love! It's the perfect car for me, cheap, low miles, good mpg. My only concern is it's a sports version. It will be my first car, so I have NO insurance right now, and I am wondering if they will even insure me for this. My brother has a ford mustang Coupe, and he is under liability. But I'm wondering what my place would be if I got a Toyota Corolla. Will I be able to be insured or not? Thanks for reading!""

What is considered a qualifying event for health insurance coverage?

If I waived health insurance through work because I already have a policy and then during the year I involuntarily lose my health insurance is that considered a qualifying event to obtain coverage right away through my job's insurance company and not having to wait for open enrollment?

Do i still pay the monthly payment (car insurance) after a accident?

I got into an accident on 12/ 15. since then i havnt drove my car bc its not fix or its just waiting for it to be junked. and my monthly payment goes out on about the last week of each month. (my payment goes electronically from my bank ) so on 12/29 they took the monthly payment of december. and then in jan 28, it took another payment even though i wasnt driving the car. my insurance expires this coming march. so do i continue to pay till march even though the car is not used?""

What are the requirements to be taken off my parents car insurance?

I plan on getting my own car insurance and moving out but my parents need my new living address and I don't wanna give it to them cause I don't want them knowing where i'm going to be living. Does the insurance require this type of information to remove my name?

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 happens in california if you are stopped without car insurance?

I read recently that 47 % of cited / stopped Drivers in California have NO License, NO Insurance, and NO Registration for the vehicle (of that 47 %, over 92 % were illegals). I am just wondering what the penalties are if you are caught driving without car insurance?""

Cheapest insurers for a first time 18yrold with pass plus??

Hi iv'e just brought a 2002 vw polo and wanted to get my first insurance on it. Can you recommend any cheap insurers for first time drivers and young drivers. I've completed my pass plus as well. Thanks for the help xxx

Could a car insurance agent please answer my question?

I live in CA. I have Mercury insurance. I had 3 old cars on my policy which was too expensive so I sold 2 of them. I was paying $273 monthly automatically deducted from my bank on the 21st of every month. I sold the first car Jan. 29th. On Jan. 30th I took release of liability to AAA DMV and then to my insurance agent asking for the car to be removed from the policy. On February 10th I sold the second car. I took the release form to AAA DMV then straight to the agent asking for release. When I look at my policy deducting the 2 cars my insurance should be about $180 per month. They tell me it will be about $210 per month. Today rolls around, I check my bank account and they have deducted $273 from my checking. I call the 800 number for Mercury. They tell me it needed to be in by February 5th in order to make the billing deadline. Then they said they will NOT refund the money they removed from my account or prorate because under writing takes time. Is this legal??????""

How much can we expect to get from insurance for replacement of car door?

Our 2003 Hyundai Sonata got backed into recently. The lady hit the front passenger door and smashed it in. It still opens, but sounds awful when it does, and the window doesn't work right (power window). She had Farmers insurance, and I've heard bad things about them, but we're gonna get an estimate from different auto body shops around town. How much can we expect the insurance to pay out for this damage?""

""Had a car accident , no insurance ?

I got into a car accident and I have expired insurance. I was wondering if I could pay the late fee on my insurance and would they still pay for my car problems. And for it to get out of the car lot. PGAC is closed today

Insurance providers for 18 year old boys?

Hi Im 18 today and passed my test three months ago. I have a 2001 Renault Clio, and no reasons to be high risk however i can not insure it for less than 2800 a year. Can anyone give me advice on good insurance companies or how i can get cheaper insurance. Ps - I would like third party fire and theft Many thanks""

Why is it hard to find medical Insurances?

i have a heart condition, why is it hard to find medical insurances?""

Driving without insurance in Indiana?

What happens in the state of Indiana if you are caught driving without insurance? I thought it was a 90 day suspension of your license but I have been told otherwise... Also what happens if you are in a wreck without insurance but the passenger DOES have insurance? Does the passenger's insurance have to cover everything?

Failed to prove car insurance at a traffic stop.?

I was pulled over for my license plate not being visible, and I did not have my insurance slip on me. The police officer wrote me up for the license plate not being visible and failed to prove insurance . Can somebody please tell me how much will these tickets cost me and how can I go about fixing them?""

Which insurance company offers the best rates for car insurance in ONT?

for one with no insurance history at all, with a G2 licence""

Would it be ok to lower my auto insurance coverage?

I live on disability income -SSDI. This is my only income. I have no savings or other money, just my personal belongings (12 yr. old car, furniture, some jewelry, etc.) I rent an apartment. I am thinking of lowering my insurance costs by reducing the coverage amounts, which are very high right now. If I had an 'at fault' accident that exceeded my insurance coverage what assets could I be sued for by the other party?""

New Car.. Wrecked... Before we added to insurance?

We had liability insurance on our older car, Then bought a new car on thursday, Had a car wreck on Saturday night before we got to add the new vehicle to our new State Farm policy which was to go in effect in about 2 weeks. The liability insurance carrier Gecko was to terminate on 10/29/09 - Both cars in the wreck had pretty major damage. We hit the other car in the rear... And got a Ticket for not having insurance on the new car because our insurance card from Gecko. Only our old car. Will either of the insurance companies pay for the damage to our new car and the damage to the other persons car? If you are an insurance pro please let us know what we should do and what to expect. Thank you for any help.""

What is the best insurance company to have if you need to go into a rehabilitation center?

Which insurance covers the most??

Why are car insurance for men more higher than women?

I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?

Need advice suing homeowners insurance?

In 2008 lightening strike hit house and since that time we hav had 6 water dameges in the house.Since that time all insurance companies NEVER real INVESTIGATE or find COUSE OF THAT, Finnaly again We have had BLACK SEPTIC WATER n the house 06/19/2012. 9 days after adjuster show and underastimate damages. month after that , after we constantly complain, ask for updated estimate and approval damages so that we hire contractor Property finaly has been inspected again and they find much more damages ( so far $83.000.00 ). House is damaged very much as well as our belongings. All that time from 2008-today insurance companys charged as with deductibles , we spend lot money trying to fix problems, we are darined emotionaly and financionaly. Last year , just after one similar claim ( 01/06/2011 black water flood ) we were FORCED to file for CH 13 that we can at least save what we can save, TODAY, Insurance company with who is house covered has not reacted We think fast enough to save more house and our belongings. Insurance is escaping to cover what need to be maybe replaced( wood entrance door through septic water was running , built in castum made cabinets in master beedroom, cut wall and replaced behind showertubs........) 9 days after that accident we finaly has Insurance attention and the send SERPRO here. Servpro find that water was SEPTIC, Walls need to be Cut ( so far 1 foot from the ground ). When Servpro cut draywalls ut shows that stabs 2x4 has been damaged , they spray them ( we think that they need to replace them )......... We are now in almost two months after accident becouse we do not agree on damages sattlemant. They serve us on 08.01.2012 with activating adjusster process and we do not have money any more to pay for that, OUR HOUSE DURING PAST 4 YEARS BECOUSE OF ALL THIS LOST LOT ON VALUE AND WE WOULD LIKE TO SUE INSURANCE COMPANIES AS WELL AS TWO LANDERS WHO WERE IGNORING PROBLEM IN THE HOUSE. WE HAVE PROOF FOR ALL THIS . IS ANYWHERE POOSIIBLE TO FIND ATORNEY WHO CAN HELP US LITTLE BIT WITH THIS BIG BROBLEM MY HOUSBAND IS 61 I AM 55 AND MY HOUSBAND IS THISE DAY WORKING OUTSIDE FOR AROUND 70 HOURS A WEEK THAT WE CAN PAY OUR RAISING EXPANSSESS. IT IS NOT RIGHT.""

Average house insurance in Canada?

What is the average amount of money you pay in house insurance in Canada? It would be nice if you have a site link, because this is for a school project. Also, how much do ...show more""

Motorcycle Insurance?

If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it?""

Do you get cheaper car insurance for being married (uk)?

Do you get cheaper car insurance for being married (uk)?

Cheap cars to insure at 21?

ok so i am looking for a cheap car that will not cost me  for insurance the cheaper the better the car does not need to be a top of the range brand spanking new thing for all i care it can be from 1970 as long as the insurance for them are cheap

Car insurance question?

I recently passed my test, and was looking at car insurance quotes and they're all pretty expensive. I was wondering if I were to just wait until I'm about 23 or 24 before I purchase a car, would the insurance be cheaper, even if I didn't have any driving experience? Thanks in advance.""

RX-8 annual insurance cost?

So I'm 18 and male, just got my license and need to buy a car soon. Set my sights on an 04 RX-8, but I need to know if I could afford the insurance. I have no accident history (obviously) would be primarily commuting about 15 miles a day, and would go LIABILITY ONLY on my parents' plan. GUESTIMATES WOULD BE APPRECIATED AS WELL AS WHAT YOU PAY FOR YOUR RX-8!! Spank you bunches""

How much should 17 year old boy expect to pay for car insurance?

I have looked around various places and saw from a few thousand p/a to 10, 000 p/a (yes, ten thousand pounds!!). I am booking my driving test very soon and will be buying a small, cheap car such as a 2000 VOLKSWAGEN POLO 1.0 E 5DR or a KA or Fiesta. Approximitely, how much should I expect to be paying.""

Scooter/moped insurance costs?

I'm thinking of getting a scooter/moped as an alternative to a car. I'm wondering what the insurance would be like for a scooter (50cc) compared to a car (medium sedan)? I am an 18 year old female who recently obtained a drivers license.

Car insurance question?

If I have insurance for me and my husband on our truck, and My Mother in law has insurance for her vehicle. If she borrows our truck and gets in a wreck, whose insurance will pay?""

Who can I talk to about insurance?

I am trying to help my boyfriend find some affordable health and dental insurance....I have attempted finding it online and I am overwhelmed...Does anyone know if there is some kind ...show more

Is the 2008 Mazda Rx-8 worth buying?

I got a deal for 19,000 dollars with 11,000 miles on it. I can afford it but im wondering if it is a reliable and good car for 5-6 years. How does it do in the winter? I live in VA. Gas? Reliable? Insurance? Used 2008 honda accord coupes are so expensive and camrys are expensive too.""

Rebuttel for car insurance?

I just got this new job getting info for a insurance agent so they can do a quote for a person. I was wondering what is a good rebuttel when ppl say they are not interested in the quate. Its free and they get the quote mailed to them.

Discount Insurance Plans?

Ameriplan.....and others...how do they compare to regualr insurance. Money is short, don't qualify for medicaid...so I'm thinking any discount will be better than nothing, but I don't want to waste my money even if it is as low as $29.95 Honest reviews please!!!""

Needing to find insurance/medicade/health care that will help a old man with cancer that dosent have any..?

my moms trying to help him by getting him on her health insurance, but it looks like the only way to do that is by mariage and she really doesnt want to marry the guy. looking for ...show more""

Why is my insurance so high?

So I am 21 years old working part time as a supervisor with a certain big brown shipping company. I am making decent money, and was, at the time, driving a really high mileage 1998 explorer that got terrible MPG and was nickle and dimeing me to death, so I decided to go look for a new car. The car I found, was a 2011 Suzuki Kizashi S. It had really high safety ratings, the car itself was in very good condition (the previous owner was a little old lady who I actually got to meet because her nephew was the car salesman I bought it from, who even brought me all of the paperwork on the maintenance she had - impeccable maintenance record I might add), and the average highway mpg, is double that of my explorer. However, I made a mistake of not confirming what my insurance rate would change to when I called State Farm over the phone to have my coverage changed to the new vehicle, and now here I am paying triple what I did for the explorer. I don't get it, how does a little 4 door sedan w/ awesome safety ratings and all that jazz cost me $224 a month to insure, but a 4WD fully loaded explorer, in Colorado, that I had since I was 17, was only like $63 a month. I mean, I understand that a vehicle that isn't paid off yet is going to have higher insurance thanks to the lender requiring full coverage, but I don't know ANYONE around my age paying this much except for a guy I work with who drives an Acura and got a massive ticket for going a buck 20 in a 45 speed zone and now pays like 350 a month. Is there something particular about this car that I wasn't aware of? It's a great car, but the huge insurance cost is really hurting what I'd planned to be able to afford per month on top of my other bills.""

Why are these insurance policies so different??

I'm currently insured on Yes insurance for a 1.1 litre peugeot 206... I want to change to a 1.8 ford focus and after ringing up the insurers, they claimed it would be an additional 700 on top of my current policy. (if i took out a new policy, it'd be 1800) I then got a whole new quote for elephant.co.uk, who quoted me 900 from new. both are on thid party fire and theft, and both have exactly the same details. Why the 1000 difference?? even on my current insurer who i have been with for 3 months already? thanks""

""Affordable Health Insurance, any suugestions?""

I am a nanny. My employer does not offer any insurance. I need primary, dental, and vision coverage. I used to have the best insurance. $5 dollar co pay no prescript payment for generic and coverage for all drs. That was when i was under my mom's blue cross blue shield ppo plan. I cant afford too much but need something. Any suggestions on affordable health insurance?""

Does high mileage cars have lower or higger car insurance?

Does high mileage cars have lower or higger car insurance?

Aviva car insurance named driver no claims?

Hi, I have been a named driver on my dads insurance for one year due to not driving much and being able to afford run a car. Now that I full.time job I can now afford to run a car. So if I took my own policy out with aviva would they honour the no claim?""

""Speeding ticket, have State Farm, will my premium increase or not?""

The reason I am questioning the premium increase is because a friend of mine, who also has State Farm, never saw an increase in premium two years ago when he received a speeding ticket. what's the deal? anybody know?""

How much would i have to pay for insurance driving a small ninja 250r? I'm only a teen...but i love bikes.?

Im a 16 year old guy who will soon get his drivers license, but quite frankly im not too thrilled about being able to drive. I love driving and all, but i really enjoy riding a bike. I used to ride motocross too. I had a kx100 until my parents had to sell them because of their divorce. I used to ride with my dad on his ninja zx11, and i had the best time on it. He always told me insurance would be sky high for someone my age if i were to have, say, a cbr 600f4 or something similar( i dont want a 1000, not now). He then told me a good first bike would be a 250 ninja or cbr. I thought they were kinda gay at first, but considering insurance and such i really am considering it. But first, i need to get some quotes...give me an average please i dont know what insurance my parents are on.""

Globe life insurance?

how reliable is globe life term life insurance.. and just what are the terms ..

Does anyone know where you can purchase GAP insurance for your car if your auto insurance doesn't offer it?

I bought a 2006 auto a couple weeks ago and when I called my insurance co. to add it, they said they could add GAP insurance, too. (which I need) Now they are saying they can only add it to a NEW car, not used. Anyone know if I can purchase strictly a GAP policy to cover my car? I don't want to switch insurance because of discounts having my other car, homeowners, etc. through them.""

Cheap moped insurance company?

Cheap moped insurance company?

Why are car insurance for men more higher than women?

I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?

https://www.linkedin.com/pulse/insurancecar-question-roger-luther"

[ryanhavwood]

all the even numbers on the one you reblogged from me FUCK YOU

@rnalkin rUDE 

2. Are you outgoing or shy? - uhhhh shy

4. Are you easy to get along with? - i think so

6. What kind of people are you attracted to? - people who can make me laugh

8. Who from the opposite gender is on your mind? - he’s a coolio guy that i know

10. Who was the last person you had a deep conversation with? - danny, probably

12. What are your 5 favorite songs right now? - 1. the man - the killers2. thunder - imagine dragons3. told ya - mystery skulls4. can i get a witness - sonreal5. happy pills - weathers

14. Do you believe in luck and miracles? - luck yes, miracles no

16. Would you kiss the last person you kissed again? - uhhhh i dont even remember the last person i kissed so idk

18. Do you still talk to your first crush? - nah

20. Do you like your neighbors? - eeehhhhh no

22. Where would you like to travel? - literally anywhere outside the united states, but mostly ireland or greece sound cool24. Favorite part of your daily routine? - having a routine26. What do you do when you wake up? - check my phone for any important notifications28. Who are you most comfortable around? - danny, d, and sarah30. Do you ever want to get married? - i dont know man, ive never thought about settling down and i dont think anyone would want to with me either32. Which celebrities would you have a threesome with? - none bc no thank you34. Do you play sports? What sports? - i did, and i did softball for awhile, now im just the depressed disappointment who does nothing36. Have you ever liked someone and never told them? - all the t i m e38. Describe your dream girl/guy? - anyone who’s fuckin nice to me40. What do you want to do after high school? - well im doing college and thats something so

42. If your being extremely quiet what does it mean? - either i’m very very upset or i just feel very unsure of myself and what i have to say

44. Trip to outer space or bottom of the ocean? - how about neither

46. What are you paranoid about? - if my friends actually consider me a friend of theirs or if im just an annoying idiot prying myself into their lives because i think we’re friends48. Have you ever been drunk? - o h  y e s50. What was the colour of the last hoodie you wore? - gray!52. One thing you wish you could change about yourself? - my confidence54. Favourite store? - i don’t think i have one ??? 56. Favourite colour? - bluuuuue, any shade58. Last thing you ate? - angel hair pasta and cheese ravioli60. Ever won a competition? For what? - probably, dont remember though62. Been arrested? For what? - no because i am a g o o d child64. Tell us the story of your first kiss? - dont remember it, sorry buckos66. Do you like your tumblr friends more than your real friends? - no! i love all of my friends equally!68. Twitter or Tumblr? - uhhhhhhhhhhhhhhhhhhhhhhhhh i dunno its a tie between them70. Names of your bestfriends? - jessi, sarah, d, danny!72. What colour are your towels? - multicolored because we’re a colorful family

74. How many stuffed animals do you think you have? - more than i need76. What colour is your underwear? - rn its like a peachy orange with white lace78. Favourite ice cream flavour? - cookie dough or birthday cake80. What colour pants? - rn im wearing blue jeans but i usually wear black82. Favourite movie? - THE LOST WORLD JURASSIC PARK!!!!!!!84. Mean Girls or 21 Jump Street? - fuckin 21 jump street86. Favourite character from Finding Nemo? - i dont have one88. Last person you talked to today? - danny, we just finished dinner together90. Name a person you love? - my mom92. In a fight with someone? - nah94. How many sweaters/hoodies do you have? - less than what i think i should have96. Favourite actress? - uhhh i dont have one98. Do you tan a lot? - n a h100. How are you feeling? - i dont know tbh102. Do you regret anything from your past? - way too much rip104. Do you miss anyone from your past? - some, not all106. Ever broken someone’s heart? - probably108. What should you be doing? - checking if i have homework due tomorrow110. Have you ever liked someone so much it hurt? - nah112. Who was the last person you cried in front of? - danny and sarah114. Have you ever been out of your province/state? - yeah man116. Are you listening to music right now? - nah but i will be once i get in the shower118. Do you like Chinese food? - naaah120. Are you afraid of the dark? - yes and no?? depends on the circumstances122. Is cheating ever okay? - no wtf124. Do you believe in love at first sight? - nah126. Are you currently bored? - a little bit yeah128. Would you change your name? - i mean i guess i technically did?? and i like the name matty/matt so i’ll probably stick with that130. Do you like subway? - nah not a sandwich kinda person132. Who’s the last person you had a deep conversation with? - literally said this earlier but it was danny134. Can you count to one million? - no im a fuckin idiot136. Do you sleep with your doors open or closed? - CLOSED WTF I DONT WANT NO GHOSTS STARING AT ME FUCK OFF138. Curly or Straight hair? - curly140. Summer or Winter? - between these two i guess summer142. Favourite month? - october!144. Dark, milk or white chocolate? - milk or white146. Was today a good day? - today was…. interesting and long148. What’s your favourite quote? - do no harm but take no shit150. Get the closest book next to you, open it to page 42, what’s the first line on that page? (via catscuddlingandyou) - you’re a mess.

[bogb0ng]

1 threw 85

Since a few have been answered already I’ll answer the rest 

1: Looks are not important to me so much i believe there should be some kind of physical attraction, but i’m more about personality! 

2: relationships are totally worth it to me! I’m not into hooking up all the time plus my SO usually becomes my bestfriend 

3: no Obviously not lol 

4: It’s very complicated…. I’m technically not in a relationship with the guy, but we’ve both said we want to be… 

5: I’m not really sure what it is, but i don’t think it’s love just yet 

6: technically I guess I am? 

7: absolutely I prefer to be committed to one person! Tbh they get all of my time an attention when i’m not around friends and family. 

8: he’s just a bit taller than me has this crazy sense of humor that I completely adore. He’s got this adorable smile, deep brown eyes and hair and is so god damn handsome whenever I get a picture I melt (I actually almost fell over yesterday because of this) 

9: a guy with a great sense of humor who adores me as much as i do him.

10: I’m not really sure. I prefer to know a person before I say I’m in love. 

11: surprisingly yes! 

12: depending on how bad it is I will if it’s something stupid like they broke their plans with me or gave away a minor secret behind my back no biggie i’ll probably forgive them, but if they cheated or something…. i’m gone believe me I don’t do well with that shit

13: kinda, kinda not? it’s hard because like i’m not mad at the people that i’m getting jealous over… i’m just insecure. oh well lol

14: yessssss ahah same guy but also a little crush on some one else i think, but they’ll never know 

17: Yes! if it’s a quick kiss i’m A ok with it, but i don’t make out in public 

apparently there’s no 18 or 19??? soo uhm yeah 

20: i try to shower every day sometimes I dont get the chance and I have to shower the next day, but I keep myself clean!

21: I don’t know… IF ANY OF YA THINK I’M A CUTIE AND HAVE FEELS SEND ME ANON HEARTS AND I’LL LOVE YOU FOREVER!!! 

22: I hope a certain some one is, but who knows for sure 

23: Yes are you kidding me!? People can’t do that?? like when i’m in a relationship holy shit i’m 110% into that person they become everything to me and also i’d never want to hurt some one in that way. 

24: I hope i’m at least engaged, but then again i could just be alone forever… so i guess if anyone wants to make a pact to get married by a certain age HMU Lmfao 

25: YESSSSS ugh i’m holding out on some one, but hey shit happens 

26: actually yes my Ex. and we’re still good friends. I also would not want to lose him. he’s an amazing person with a huge caring heart. 

27: I wouldn’t call it a poem, but it was a really long rant/letter to the man who loves me next. 

28: I’m not entirely sure, but my extremely mentally abusive ex probably did because a guilty conscience usually blames the other half. (he accused me of cheating and i would rather die than cheat on some one) 

29: No. never have. never will.

30: actually I have…. i’ve never felt good about my stomach and have always wanted to get it fixed some how, but i never will. 

31: yes I have. I’ve had my fair share of heartbreak 

32: I have many a time. you cant change some ones heart and thats fine! ]

33: obviously lol 

34: I mean I almost did once….

35: Of course I have haha

36: yes! in fact i almost dated him when we were in high school! 

37: yup…. and they told me, but i dated him anyways and what a fuck up that was….

38: yes!! omg i was in shock when it happened 

39: Yes, but they’d never know because I’m respectful 

40: all the time! i write to get my feelings out 

41: I have (and it was goooooooddd) 

43: my longest relationship was a year and a month or so. 

44: I’ve had a total of 5 boyfriend in my lifetime lol 

45: like 0 i was the human equivalent of birth control or some shit 

46: a lot with my SO at the time lol

47: 21! 

48: I’d probably tell them i’m really happy for them and wallow for a bit before moving on. 

49: I currently do not so i guess my favourite thing about the person I like is that goofy smile I get when i’m being cute lol 

50: I mean i don’t think i’ve met my true love so probably not?

51: there’s lots of people i would do anything for. i’m the type of person who drops anything for a friend in need.

52: Yes. a family member, my ex roommate. probably more, but you know what best of luck to them they’re gonna need it 

53. I’d hope not…. 

54: theres a lot of people i could never forget 

55: this one time a boyfriend of mine surprised me with a date where we drove all the way to one of his old home towns and he showed me around. he then took me to a dinosaur museum (which i love that shit so much) we walk through the entire thing and we got to the gift shop i went to the bathroom because it was like a 2-3 hour drive home and he bought me a stuffed T-rex and a cute keychain (i still have both)

56: 5 facts! I have a chubby tummy, long legs,a cute butt, thick thigs, pretty eyes, a cute smile and long/wild curly hair! and I’m very soft

57: I hope you realize that you turned out exactly like your father and you’re a pathological liar who deserves nothing more than whatever comes his way 

58: snacks! surprise adventures, cute snuggle days, HEAD RUBS!!! whispering cute things to me when I least expect it in public! 

59: Picture will be posted! 

60: If i remember correctly it was around 7 years 

61: their eyes and smile 

62: oh god honestly non sexual wise… run me a romantic bath. sexual wise…. we wont go there right now…

63: genitals touching other genitals? idk 

64: anything beyond joking flirtatiously tbh 

65: oh god whispering what they’re going to do to me. kissing down the neck and spine. those are just a few. 

66. Dominant and sub idk 

67: perfect date would probably be going out to a museum or aquarium and then going to a nice dinner 

68: straight 

69: I’m not really sure it varys 

70: Lots of things. whispering, slow kissing, touching 

71: ahaha this is akward my kinkiest wet dream was being tied up and dominated tbh 

73: just treat me like a princess for the day honestly 

74: some one who can lift me tbh 

75: sweetest thing was some one  brought me flowers to my work place and took me out for late night denny’s after a long anxious day. 

76: I guess making some one soup and cold remedies while they were sick 

77: as long as it’s legal and consensual then no biggie 

78: I almost was in a threesome once that was wild.

79: ah last time was some one got to hang out with a person i really wanted to hang out with but couldn’t because they’re too far away 

80: I tell my friends I love them at least once a day. so today technically. last time i said it and meant i was in love was at the beginning of the summer before my breakup 

81: Chris, dani, liam, hunter, and david  (only one of these ppl have a tumblr) 

82: my friend ash 

83: a guy named Jordan (he was my bestfriend in kindergarten)

84: distance was becoming too much for both of us

85: I mean technically I have (if you count online dating) but if not then yes probably 

thank you for asking!!!

[themoneybuff-blog]

Is your home a better investment than the stock market?

Shares 169 Ill admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved. Perhaps this is technically true, but now and then as this morning Im reminded that teaching people about money is a never-ending process. There arent a lot of new topics to write about, thats true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, theres a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes its not.) Heres an example. This morning, I read a piece at Slate by Felix Salmon called The Millionaires Mortgage. Salmons argument is simple: Paying off your house is saving for retirement. Now, I dont necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money youve saved, just as if youd put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money youve invested. (Obviously, theyre not exactly the same but theyre close enough.) So, yes, paying off your home is saving for retirement. Or, more precisely, its building your net worth. But aside from a sound basic premise, the rest of Salmons article boils down to bullshit.

Lying with Statistics Looking past the paying off your house is saving for retirement subtitle on his piece (a subtitle that was likely added by an editor, not by Salmon), we get to his actual thesis: Making mortgage payments can, in theory, be a way to accumulate wealth almost as effectively as contributing to a retirement fund. Im glad Salmon qualified this statement with in theory and almost because this is pure unadulterated bullshit. And its dangerous bullshit. Heres how this logic works: If you buy an urban house today for $315,000 (the average price) and it appreciates at 8 percent a year for the next 15 years, you will be living in a $1 million house by the time you pay off your 15-year mortgage, and you will own it free and clear. Which is to say: Youll be a millionaire. For this to be true, heres what has to happen.: Home prices in your area have to appreciate at an average of eight percent not just this year and next year, but for fifteen years.You have to take out a 15-year mortgage instead of a 30-year mortgage.You need to stay in that house (or continue to own it) for that entire fifteen years.Once youve become a millionaire homeowner, you now have to tap that equity for it to be of use. To do that, you have to sell your home, acquire a reverse mortgage, or otherwise creatively access the value locked in your home. The real problem here, of course, are the assumptions about real estate returns. Salmon spouts huckster-level nonsense: The 8 percent appreciation rate is aggressive, but not entirely unrealistic: Its lower than the 8.3 percent appreciation rate from 2011 through 2017, and also lower than the 9 percent appreciation rate from 1996 to 2007. Thats right. Salmon cites stats from 1996 to 2007, then 2011 to 2017 and completely leaves out 2008 to 2010. WTF? This as if I ran a marathon and told you that I averaged four minutes per milebut I was only counting the miles during which I was running downhill! Or I told you that Get Rich Slowly earned $5000 per monthbut I was only giving you the numbers from April. Or I logged my alcohol consumption for thirty days and told you I averaged three drinks per weekbut left out how much I drank on weekends. This isnt how statistics work! You dont get to cherry pick the data. You cant just say, Homes in some markets appreciated 9% annually from 1996 to 2007, then 8.3% annually from 2011 to 2017. Therefor, your home should increase in value an average of eight percent per year. What about the gap years? What about the period before the (very short) 22 years youre citing? What makes you think that the boom times for housing are going to continue? Long-Term Home Price Appreciation In May, I shared a brief history of U.S. homeownership. To write that article, I spent hours reading research papers and sorting through data. One key piece of that post was the info on U.S. housing prices. Let me share that info again. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. (Personally, I believe that once interest rates begin to rise again, home prices will decline.) Heres the reality of residential real estate: Generally speaking, home values increase at roughly the same (or slightly more) than inflation. Ive noted in the past that gold provides a long-term real return of roughly 1%, meaning that it outpaces inflation by 1% over periods measured in decades. For myself, thats the figure I use for home values too. Crunching the Numbers Because Im a dedicated blogger (or dumb), I spent an hour building this chart for you folks. I took the afore-mentioned housing data from Robert Shillers spreadsheet and combined it with the inflation-adjusted closing value of the Dow Jones Industrial Average for each year since 1921. (I got the stock-market data here.) If youd like, you can click the graph to see a larger version.

Let me explain what youre seeing. First, I normalized everything to 1921. That means I set home values in 1921 to 100 and I set the closing Dow Jones Industrial Average to 100. From there, everything moves as normal relative to those values.Second, Im not sure why but Excel stacked the graphs. (Im not spreadsheet savvy enough to fix this.) They should both start at 100 in 1921, but instead the stock market graph starts at 200. This doesnt really make much of a difference to my point, but it bugs me. There are a few places 1932, 1947 where the line for home values should actually overtake the line for the stock market, but you cant tell that with the stacked graph. As the chart shows, the stock market has vastly outperformed the housing market over the long term. Theres no contest. The blue housing portion of my chart is equivalent to the line in Shillers chart (from 1921 on, obviously). Now, having said that, there are some things that I can see in my spreadsheet numbers that dont show up in this graph. Because Felix Salmon at Slate is using a 15-year window for his argument, I calculated 15-year changes for both home prices and stock prices. Ill admit that the results surprised me. Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didnt expect that. In each of these cases, housing outperformed stocks after a market crash. During any 15-year period starting in 1926 and ending in 1939 (except 1932), for instance, housing was the better bet. Same with 1958 to 1973. In other words, if you were to buy only when the market is declining, housing is probably the best bet if youre making a lump-sum investment and not contributing right along. Another thing the numbers show is that youre much less likely to suffer long-term declines with housing than with the stock market. Sure, there are occasional periods where home prices will drop over fifteen or thirty years, but generally homes gradually grow in value over time. The bottom line? I think its perfectly fair to call your home an investment, but its more like a store of value than a way to grow your wealth. And its nothing like investing in the U.S. stock market. For more on this subject, see Michael Bluejays excellent articles: Long-term real estate appreciation in the U.S. and Buying a home is an investment. Final Thoughts Honestly, I probably would have ignored Salmons article if it werent for the attacks he makes on saving for retirement. Take a look at this: If youre the kind of person who can max out your 401(k) every year for 30 or 40 years straight disciplined, frugal, and apparently immune to misfortune then, well, congratulations on your great good luck, and I hope youre at least a little bit embarrassed at how much of a tax break youre getting compared to people who need government support much more than you do. Holy cats! Salmon has just equated the discipline and frugality that readers like you exhibit with good luck, and simultaneously argued that you should be embarrassed for preparing for your future. He wants you to feel guilty because youre being proactive to prepare for retirement. Instead of doing that, he wants you to buy into his bullshit millionaires mortgage plan. This crosses the line from marginal advice to outright stupidity. Theres an ongoing discussion in the Early Retirement community about whether or not you should include home equity when calculating how much youve saved for retirement. There are those who argue absolutely not, you should never consider home equity. (A few of these folks dont even include home equity when computing their net worth, but that fundamentally misses the point of what net worth is.) I come down on the other side. I think its fine good, even to include home equity when making retirement calculations. But when you do, you need to be aware that the money you have in your home is only accessible if you sell or use the home as collateral on a loan. Regardless, Ive never heard anyone in the community argue that you ought to use your home as your primary source of retirement saving instead of investing in mutual funds and/or rental rental properties. You know why? Because its a bad idea! Shares 169 https://www.getrichslowly.org/home-investment/

[themoneybuff-blog]

Is your home a better investment than the stock market?

Ill admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved. Perhaps this is technically true, but now and then as this morning Im reminded that teaching people about money is a never-ending process. There arent a lot of new topics to write about, thats true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, theres a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes its not.) Heres an example. This morning, I read a piece at Slate by Felix Salmon called The Millionaires Mortgage. Salmons argument is simple: Paying off your house is saving for retirement. Now, I dont necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money youve saved, just as if youd put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money youve invested. (Obviously, theyre not exactly the same but theyre close enough.) So, yes, paying off your home is saving for retirement. Or, more precisely, its building your net worth. But aside from a sound basic premise, the rest of Salmons article boils down to bullshit.

Lying with Statistics Looking past the paying off your house is saving for retirement subtitle on his piece (a subtitle that was likely added by an editor, not by Salmon), we get to his actual thesis: Making mortgage payments can, in theory, be a way to accumulate wealth almost as effectively as contributing to a retirement fund. Im glad Salmon qualified this statement with in theory and almost because this is pure unadulterated bullshit. And its dangerous bullshit. Heres how this logic works: If you buy an urban house today for $315,000 (the average price) and it appreciates at 8 percent a year for the next 15 years, you will be living in a $1 million house by the time you pay off your 15-year mortgage, and you will own it free and clear. Which is to say: Youll be a millionaire. For this to be true, heres what has to happen.: Home prices in your area have to appreciate at an average of eight percent not just this year and next year, but for fifteen years.You have to take out a 15-year mortgage instead of a 30-year mortgage.You need to stay in that house (or continue to own it) for that entire fifteen years.Once youve become a millionaire homeowner, you now have to tap that equity for it to be of use. To do that, you have to sell your home, acquire a reverse mortgage, or otherwise creatively access the value locked in your home. The real problem here, of course, are the assumptions about real estate returns. Salmon spouts huckster-level nonsense: The 8 percent appreciation rate is aggressive, but not entirely unrealistic: Its lower than the 8.3 percent appreciation rate from 2011 through 2017, and also lower than the 9 percent appreciation rate from 1996 to 2007. Thats right. Salmon cites stats from 1996 to 2007, then 2011 to 2017 and completely leaves out 2008 to 2010. WTF? This as if I ran a marathon and told you that I averaged four minutes per milebut I was only counting the miles during which I was running downhill! Or I told you that Get Rich Slowly earned $5000 per monthbut I was only giving you the numbers from April. Or I logged my alcohol consumption for thirty days and told you I averaged three drinks per weekbut left out how much I drank on weekends. This isnt how statistics work! You dont get to cherry pick the data. You cant just say, Homes in some markets appreciated 9% annually from 1996 to 2007, then 8.3% annually from 2011 to 2017. Therefor, your home should increase in value an average of eight percent per year. What about the gap years? What about the period before the (very short) 22 years youre citing? What makes you think that the boom times for housing are going to continue? Long-Term Home Price Appreciation In May, I shared a brief history of U.S. homeownership. To write that article, I spent hours reading research papers and sorting through data. One key piece of that post was the info on U.S. housing prices. Let me share that info again. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. (Personally, I believe that once interest rates begin to rise again, home prices will decline.) Heres the reality of residential real estate: Generally speaking, home values increase at roughly the same (or slightly more) than inflation. Ive noted in the past that gold provides a long-term real return of roughly 1%, meaning that it outpaces inflation by 1% over periods measured in decades. For myself, thats the figure I use for home values too. Crunching the Numbers Because Im a dedicated blogger (or dumb), I spent an hour building this chart for you folks. I took the afore-mentioned housing data from Robert Shillers spreadsheet and combined it with the inflation-adjusted closing value of the Down Jones Industrial Average for each year since 1921. (I got the stock-market data here.) If youd like, you can click the graph to see a larger version.

Let me explain what youre seeing. First, I normalized everything to 1921. That means I set home values in 1921 to 100 and I set the closing Down Jones Industrial Average to 100. From there, everything moves as normal relative to those values.Second, Im not sure why but Excel stacked the graphs. (Im not spreadsheet savvy enough to fix this.) They should both start at 100 in 1921, but instead the stock market graph starts at 200. This doesnt really make much of a difference to my point, but it bugs me. There are a few places 1932, 1947 where the line for home values should actually overtake the line for the stock market, but you cant tell that with the stacked graph. As the chart shows, the stock market has vastly outperformed the housing market over the long term. Theres no contest. The blue housing portion of my chart is equivalent to the line in Shillers chart (from 1921 on, obviously). Now, having said that, there are some things that I can see in my spreadsheet numbers that dont show up in this graph. Because Felix Salmon at Slate is using a 15-year window for his argument, I calculated 15-year changes for both home prices and stock prices. Ill admit that the results surprised me. Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didnt expect that. In each of these cases, housing outperformed stocks after a market crash. During any 15-year period starting in 1926 and ending in 1939 (except 1932), for instance, housing was the better bet. Same with 1958 to 1973. In other words, if you were to buy only when the market is declining, housing is probably the best bet if youre making a lump-sum investment and not contributing right along. Another thing the numbers show is that youre much less likely to suffer long-term declines with housing than with the stock market. Sure, there are occasional periods where home prices will drop over fifteen or thirty years, but generally homes gradually grow in value over time. The bottom line? I think its perfectly fair to call your home an investment, but its more like a store of value than a way to grow your wealth. And its nothing like investing in the U.S. stock market. For more on this subject, see Michael Bluejays excellent articles: Long-term real estate appreciation in the U.S. and Buying a home is an investment. Final Thoughts Honestly, I probably would have ignored Salmons article if it werent for the attacks he makes on saving for retirement. Take a look at this: If youre the kind of person who can max out your 401(k) every year for 30 or 40 years straight disciplined, frugal, and apparently immune to misfortune then, well, congratulations on your great good luck, and I hope youre at least a little bit embarrassed at how much of a tax break youre getting compared to people who need government support much more than you do. Holy cats! Salmon has just equated the discipline and frugality that readers like you exhibit with good luck, and simultaneously argued that you should be embarrassed for preparing for your future. He wants you to feel guilty because youre being proactive to prepare for retirement. Instead of doing that, he wants you to buy into his bullshit millionaires mortgage plan. This crosses the line from marginal advice to outright stupidity. Theres an ongoing discussion in the Early Retirement community about whether or not you should include home equity when calculating how much youve saved for retirement. There are those who argue absolutely not, you should never consider home equity. (A few of these folks dont even include home equity when computing their net worth, but that fundamentally misses the point of what net worth is.) I come down on the other side. I think its fine good, even to include home equity when making retirement calculations. But when you do, you need to be aware that the money you have in your home is only accessible if you sell or use the home as collateral on a loan. Regardless, Ive never heard anyone in the community argue that you ought to use your home as your primary source of retirement saving instead of investing in mutual funds and/or rental rental properties. You know why? Because its a bad idea! https://www.getrichslowly.org/home-investment/