#term insurance for housewives

[term-insurance]

Term Insurance For Women I Salaried I Housewife I Business Woman I Explained In Hindi

In today’s video, I’m trying to explain that as women, most of us think that term insurance is only for men as they are the breadwinner.

That’s quite wrong.

Have you ever thought that what will happen in case if you are no more?

For a salaried and business owner women, there will be a lot of financial liabilities on the family such as rent, education, households, mortgage, loans etc.

For a housewife, the domestic duties like cleaning, cooking, child-rearing will add an extra cost. Along with this, there will be managing the household finances, bills payment and day-to-day financial responsibilities.

That’s the reason why women must have term insurance!!!

Are you interested in getting term insurance now?

Term Insurance For Women I Salaried I Housewife I Business Woman I Explained in Hindi

[anasanthology]

Always Close Your Tabs.

WARNINGS: NSFW 18+ MDNI (I don’t care who reads just if your account age is set to under 18 don’t interact please), step-cest, pseudo-incest, stepbrother/stepsister pairing, degradation kink, light face slapping, very light praise kink, Dom/Sub, lowkey Hard Dom!Leon Kennedy, face fucking, oral (m receiving), mean Leon (I feel he’s a little ooc), like one mention of breeding kink, we got a little sweet aftercare at the end, not as tame as other stuff I’ve written, fem-specific gendered terms. Not proofread.

Notes: FIRST LEON FIC I’M POSTING 😚 actually feeling kinda good about this one! I felt like finishing this and posting it today so here so go!!! I hope you like it ☺️ as always, likes and—especially—comments are very VERY much appreciated 😌 if you have any tags you think I should add just tell me cause I’m not sure if I missed any 🧐 ANYWAYS, enjoy, lovelies 💕

4.5k words | Leon Kennedy x AFAB!Reader

The couch was irritating you, you were hyper aware of it, the texture, the firmness, everything about it. It didn’t matter where you sat though, everywhere was irritating. Everything was irritating. Your parents were out of town on some dumb anniversary. No. Your parent and her husband. Leaving you home alone with your stepbrother.

 Leon. 

He was annoying. He was rude, crass, and bitchy. When your mom had told you she was seeing a guy you were happy for her, until she told you that he had a son a few months older than you. Other kids was the one dealbreaker for you, but your mom loved this man so much and you didn’t exactly have much time left to live with her. You could deal with it. So you met Leon, he didn’t talk the entire dinner but to introduce himself and then order something. This was 8 months ago.

Now you live with him.

You were sure that there were worse people to live with, like… Bundy or Dahmer maybe. He always had those loudmouth friends of his over. Chris, who would spend the whole time yelling at the tv and Luis, who would just flirt with you the whole time. The worst of it was that they would only hang out in the living room so you were always confined to your room till they left. That was unless you wanted to hear, ‘ARE YOU KIDDING ME?! THAT DIDN’T EVEN TOUCH ME,’ and, ‘Hola, señorita, ¿Qué pasa? You look gorgeous,’ which… you didn’t wanna hear that. Not to even mention how insufferable he was when they weren’t around. Which was the situation now. Sitting on the couch next to you was Leon Kennedy, staring up at the tv watching Desperate Housewives. He had this constant resting dick face that never seemed to go away, and along with that he also seemed to be followed by resting dick air everywhere he went. Especially now that his dad took away his phone and other electronics before your guys’ parents left for their trip. Because apparently that man cared jack shit for your sanity. Now, Leon was irritated. He was insufferable when he was irritated. It just radiated off of him and you were a porous permeable surface. You guys sat like that until…

“Can I use your laptop?”

“What?” You turned to him, his words bringing you out of your thoughts.

“Can I use your laptop?” He repeated himself.

“Uh… sure, I guess?” Shrugging you got off the couch before stopping in your tracks and pointing at him, “but I get to use your car!” Your eyes widen with excitement and you point at him.

“No, no way. You are not driving my car. Not gonna happen.” He huffed in amusement and shook his head.

“And why not?” Your hands went to your hips and you made a face.

“Because,” he mocks your tone, “you’ll crash it.”

“Says you! Leon, you are like the king of bad driving. You hit a tree last month! A tree! They don’t even move and they’ve been there for like years!” Your hands were flying everywhere at this point. You had your license, but since Leon was a little older and got his a little before you he got a car. And since he got a car—and only Jeff Bezos could comfortably pay for his car insurance—you didn’t get one, you had to share with your mom and stepdad. But since they were halfway across the country, you were stuck here.

“It was in my blind spot!”

“What about that mailbox last week? Or Ms. Anderson’s side mirror? Everything can’t be in your blind spot, Leon. That’s what windows are for.” you close your eyes and sigh, “you know what, I don’t care. Bottom line is, if you don’t let me drive your car, no laptop.” You knew you were reaching, but you didn’t care. It’s not like you lost anything if he said no. It wasn’t fair he got the car anyways, your mom promised you a year ago on your birthday that when you got your license she’d take you to a used car dealership and you could pick one. But apparently ‘situations change’ and ‘things don’t always go as planned’, so you were left having to explain to your friends that it actually wasn’t gonna happen. Leon could practically burn holes through your face with the way he was looking at you, honestly that’s probably what he was thinking about. He sighs and closes his eyes.

“Fine.” He opens his eyes and gives you just about the brattiest look imaginable. You just smile and giggle. Your eyes widened in surprise. You were not expecting him to actually say yes.

“Okay!” You practically sprint upstairs to your room, grabbing your laptop off the bed. You make your way back downstairs and bring it to him. “Here ya go!”

“Thanks.” He takes it with a scowl and gets up.

“Whaddya need it for anyways?”

“Because I wanna watch stuff.” He responds flatly.

“What kinds of stuff?” ‘Porn?’ Was your first thought, but you opted not to verbalize that. 

“Stuff you can’t watch on the tv?”

“Yes.”

“Why not?” You blinked at him.

“Because you’re watching the tv in here, dingus.” He didn’t look guilty. You know, like you would if you were gonna use your stepsister’s laptop to watch porn off of. He just looks annoyed. “Can I go watch some shit now or you gonna keep interrogating me, detective?”

“Jeez, moody. Sure, go.” You shoo him and turn back to the tv as you sit on the couch. He walks away to his room and you lay back covering your face with your arm. It felt like a weight had been lifted, the tension gone immediately. Part of you wanted to say it was just because he made the air so thick with irritation he could suffocate a room, but you knew that wasn’t completely true…

Leon was hot, like crazy hot.

It was frustrating being around that all day and night. Eating dinner across from an actual model… not easy. It was especially not easy when that model was a sarcastic asshole, and it was especially especially not easy when you kinda liked it. Yes every comment pissed you off, made you want to scream sometimes, punch a hole in the wall. but it also had you wondering… ‘would he… I mean in bed did he…’ god you hoped so. ‘Ew, no you didn’t.’ It was dumb—and entirely inappropriate—but that’s all you could think about when he was around. At some point all the irritation and hatred you had for him just living here, turned into… something you shouldn’t think about.

But who cares.

You didn’t have time to think about that. You had much more pressing matters to attend to, like… desperate housewives. You sit up and lay your body on top of your legs like you were folding yourself in half. You looked up at the screen and flipped onto your back kicking your legs over the back of the couch. It was like you just couldn’t get comfortable no matter what. 

“Mmmmmuuhhhhhh.” Sighing you sat back up like normal, pulling the blanket off the back of the couch and onto your tired form. And then it hit you.

The computer.

‘Shit. Shit. Shit. Shit. Shit.’ Standing up abruptly you started making your way to Leon’s room, practically running up the stairs.

You were tired last night. Really, really tired.

So maybe, just maybe, you forgot to close out of a tab last night. Or maybe a couple. Besides it is your computer, why do you need to close out of anything? You don’t, or at least you don’t when your step brother isn’t using your computer.

“Leon, I need my computer.” You knocked at his door and turned the knob quickly. Locked, of fucking course. “Leon?” Bouncing around a little on the balls of your feet, impatiently you step back from the door and shake the tension out of your hands. ‘Maybe he didn’t see it. Maybe he… didn’t even get on the computer yet. “Leon, I don’t… I don’t need your car. It’s fine, I asked Claire and she said she’d drive me this week.” His door opens like that’s exactly what he was waiting to hear.

“Okay, fine. Take it.” He steps away from the door and you walk inside, looking back at him you take extra attention to his expression. He definitely knows. You just turn back unable to think about that for too much longer, your face burning with heat as you pick up your laptop off of his bed. You feel a pair of hands snake around your waist and you tense up. “But first, I have to know why my slutty little sister thought it was a good idea to give me her laptop with porn open.” It was like your brain took a screenshot. ‘Did he just…’

“I don’t… Leon, I’m sorry. I didn’t-I forgot.”

“Oh you’re such a liar.” You could hear the smirk in his voice. “No, I think you did it on purpose. You’re such a smart girl, I don’t believe you could be so stupid.” Your breath got heavier at his accusation.

“Look, I’m sorry, okay? I fell asleep ‘nd forgot it was on there.” He didn’t respond but his hands started running up and down your sides. “Leon, stop teasing me.” Your voice came out just a whiny whisper, sounding a lot more needy rather than urgent like you meant it.

“You know, I wouldn’t have guessed you’d be into that sort of stuff. Always get so nervous when Luis flirts with you, always get so flustered when people touch each other in a movie.” He was ignoring your request completely. “But it makes sense now, you get all shy cause you like it.” Your eyes widen and you squirm in his arms, not exactly trying to get away. Not really trying to get away at all actually. “Wonder how many times I’ve been sitting with you on the couch while your cunt gets all wet. So shameless, darling.” Your body is frozen in embarrassment, it’s kinda hot. ‘God. Don’t think like that Jesus.’

“No, never,” Liar. “Leon, I’m sorry, I really didn’t mean for this to happen.”

“Yet you aren’t trying to stop me, are you?” His voice is so completely self assured and cocky. Asshole. It made you so wet. You aren’t trying to stop him. You don’t want him to stop, even though you should. He pulls his hands back a little for you, so that if you want to get out you can. Without as much internal protest as you’d hoped, you stay completely still. “See, I was right. You are just a little slut who wants to get touched by her stepbrother.” You visibly cringe at that but feel slick spill into your panties at his words.

“Stop.”

“Stop what?” His hands go back around you, pulling you close to him. You could feel the outline of his hardened cock against you.

“Stop… being weird.” You shifted around in his arms.

“How am I being weird?” He snickered.

“Because you’re… stop saying it like that?” Your face was burning at this point. He was pushing up against you, pressing your hips against the edge of his bed.

“Saying it like what? Isn’t that exactly what’s going on? A dumb whore getting wet for her brother?”

“Leon.” His hand dipped down the front of your pants, running his finger down your clothed slit.

“Oh but why? It feels like you like it when I talk to you like that. I mean… given the videos you were watching, I bet you like it.” You pushed up against him. You just want him closer, it doesn’t matter if it’s wrong. He knew what he was doing, making you feel small, degrading you. “You do like it, fuck.” He started grinding himself against your back. You did like it, you wanted him to keep going, keep making you feel small.

“No it… Leon, it’s weird.”

“I know it is, but you like it. You like how depraved it makes you feel. You can’t deny it, I quite literally have seen the stuff you watch to get off.” He was laughing a little, it only amplified how hot and humiliating this was. “Can’t say I haven’t thought about it. Everytime you’d roll your eyes when I’d tease you all I could think about was taking it further, pinning you against the counter or the couch and just telling you anything I could think of.”

“Thought you said you didn’t think I’d be into this?”

“You can be into anything I want you to in my fantasies.” His other hand snakes up to start running his thumb up and down the column of your throat. This really should not have such an effect on you, but it does. Your eyes flutter and you let out a soft needy breath as you lay your head back against him. “Oh you like that? You like that I just imagine you in any position I want?” You nod your head reluctantly. Your lips open and close but no sound comes out. He’s barely even touched you but it feels like your tongue is twisted up in your mouth. You can feel your resolve just slipping away the more he speaks to you, the more he touches you.

“Leon, this is… this is so wrong…” your voice comes out so quiet you aren’t sure he could hear you. Or maybe it’s just because the blood pounding in your ears is so loud that you can barely hear yourself.

“But you like that don’t you? Yeah, I know you do.” His finger travels further up to slide across your bottom lip. Involuntarily—you tell yourself—your lips part slightly. He just laughs softly behind you, the smirk that was undoubtedly plastered on his face was audible. “Does this slutty girl want something in her mouth? There you go…” he slides his finger past your lips and onto your tongue. His thumb starts pushing slow thrusts against your tongue. Your hands go to hold onto his forearm feebly, not trying to move or stop him but just needing something to hold onto. “Yeah? You like it when I finger your pretty little mouth?” You just whine and start sucking around his thumb. “Fuck, bet you’d do so good on my cock.” You turned around to face him.

It was stupid, and you don’t know why you did it… yes you do, liar.

“What?” He grinned down at you. Now being able to see your lips around his thumb he couldn’t get enough of it. You knew you were turned on but holy shit you weren’t expecting him to look like… that. His mouth was slightly parted and his eyes were lidded. A light blush dusts his cheeks. God he looked good. You imagined you probably looked something similar, probably worse. “I asked you a question.” He pulls his thumb from your mouth and slides it down your chin and across your neck. ‘Oh, right.’

“I um… can I?” You swallowed heavily, barely able to focus on your words with his fingers rubbing at your soft skin.

“‘Can you’ what?” He just laughs, he can tell you’re struggling. Your face heats up with embarrassment realizing just how fuck-drunk you already are. And then he just gets the cockiest look on his face. “Oh, you wanna suck my cock? That what this is?” You just nod weakly, you couldn’t deny it if you tried. “Hmm? I can’t hear you, what do you want?”

“I wanna…” you swallow thickly, “I wanna suck your cock, please.” You chewed on the inside of your lip and just looked at him. He felt like he could just about cum from how needy your voice sounded when you said ‘please’.

“Fuck,” his hand slide up your neck and went to the back of your head. “I know you do. Now get on your knees.” His hand tangled in your hair right up against your scalp and he tightened his grip a little, pulling your head back ever so slightly in the process. The way he was talking to you, how he was treating you, all like you were just some object for his pleasure… fuck, it made you wet. If this situation could possibly get any worse from you guys just doing anything at all in the first place, getting turned on from your stepbrother degrading and objectifying you would definitely make it worse. You moaned softly when he pulled your hair as you started to kneel down in front of him slowly, struggling to resist the urge of responding ‘yes, sir.’ When your knees were on the ground and you finally stopped shifting around to get as comfortable as possible you finally realized the position you were in.

You were on your knees in front of your stepbrother about to suck him off…

But at this point, all thought or consideration of morality and shame had long been lost on you. Instead the lewdness of the situation only fueled the fire and part of you was just getting off on how wrong this was. You felt filthy and all it did was make you want to continue. ‘Shit, what the hell is wrong with me?’, would be what you’d typically be thinking. And you were, just less in a self-deprecating way and more in a self-humiliation way. You bite your lip at the site in front of you, Leon’s clothed hard cock in his gray sweatpants. He had noticed how fixated you were and tilted his head at you with a smirk. 

“You want it?” You just stared up at him and moved your hands up to his thighs as you slid them up. “I asked you a question, answer me.” He pulled your hair a little harder this time and you moaned a little louder.

“Yes, wan’ it, Leon, please.” You were completely breathless. It had felt like your mind had turned to mush. You hadn’t even registered his question as a question when he asked, you just wanted to touch him.

“Yeah, I know.” He pushed your head forward till your cheek was pressed up against his cock. “Pretty little cockwhore just wants me inside her.” Your breath quickened when he started grinding up against your face. “Or she just wants to feel me however I please.” His voice was teasing now and he just ground down against you harder.

“However you please, just… Leon, need you.” You barely even sounded like yourself anymore. Normal you would have just pushed him away in the beginning as you made your second-hand embarrassment apparent. Normal you would have known that that was one of the easiest ways to mess with someone and would have totally used it. But here you were instead, a strong-willed smart girl who never pulled any punches now on her knees getting debased completely and absolutely loving it.

“Mmm, you’ll let me use you however I want? What if this is how I wanna do it? What if I just wanna take my cock out and rub it against your face till I cum all over you?” Even in this state you knew he was trying to trap you. He wanted to get you to disagree so he could hear you begging for whatever you really wanted. But you wouldn’t disagree, cause you don’t.

“Even then, just anything you want.” He grinned at your reply. He was tempted, he really was, but after wanting you for so long he wasn’t gonna waste this chance just to prove a point. ‘Next time.’ He pulls your head back just a little so he can see your face. Your lips are slightly parted and you just stare up at him with a grazed over expression.

“Take it out.” He says firmly and raises his eyebrows. You look down at his crotch and bring your hands up to take his dick out of his pants. You feel a sudden sting on your cheek as he slaps you across the face. “No, look at me.” He grabs your jaw and tilts your face up towards his. You make eye contact with him as you start undoing the string on his sweatpants. Part of you wants to look away just so that he’ll slap you again but you don’t. You start pulling his sweatpants and underwear down till his cock swings free. Your eyes dart down to his dick and are only able to just barely register what you’re seeing before he slaps you again just a little harder. “Did you not hear what I said to you? Look. At. Me.” You moan softly and shake your head.

“I heard you, ‘m sorry I was just curious.” You sound a little like you’re about to cry but you’re far from sad about all this.

“You’re curious?” He mocks your voice and pouts his lip before scoffing and leaning down ever so slightly. His thumb caressing your neck. “Don’t worry, once I fuck this little throat you’ll have every answer you could possibly ask for.” You shudder a little before just nodding your head and opening your mouth. You loll your tongue out and he grins. “Yeah, stay like that.” He slaps his heavy tip on your tongue and you can taste the bitterness of his pre-cum. “Open wider.” You obey him and open your mouth further. He leans forward and spits in your mouth. Your eyes flutter and you press your thighs together, which doesn’t go unnoticed. “You like that?” He laughs and rubs one of his fingers over your tongue. “You like it when I spit in your mouth? Fucking disgusting.” He grips his cock and guides it onto your tongue before pushing into your mouth. He groans and holds your head back against the side of his bed before he starts thrusting into your mouth. “Mmm, fuck. Such a good girl with a slutty little mouth. What would your friends say if they knew you’re getting face fucked by your stepbrother, and loving it so much you’re practically dripping onto the floor? What would your mom say?” You really didn’t wanna think about his second question.

“Mmm.” You just hum around his cock in response and he smirked. It’s not like you could actually respond. You kept your eyes on him, loving the way his jaw tightened when he hit the back of your throat. Or the way the muscles in his arms would twitch and flex under his tight shirt. He was right, you did love this and you could feel the discomfort of your sticky panties between your thighs, damp and uncomfortable. His hand went to the top of your head to grip your hair between his fingers and he started pushing in faster.

“Mmh, oh fuck… love sucking on your big brothers cock, yeah? Such a fucking cockwhore it doesn’t matter who it’s from.” He was thrusting at a fervent pace and it was evident he was just chasing his own high. Using your mouth as his personal fleshlight to fuck and fill. It was hot being treated like this, especially by Leon. He tightened his hold on your hair and pushed in a little too far which made you choke. It made slick pour into the gusset of your panties. Fuck, he was right. You’re a total slut. Your hands went up to hold onto his thighs for support as your eyes closed. Spit drooled down your chin and onto your chest, tears poured down your cheeks which Leon took pleasure in wiping away. “Maybe next time you’ll let me fuck that pretty pussy. Bet she’s just crying for me, you are.” ‘Next time?’ The thought made your skin burn with arousal. “Think you’re gonna let me fill up all your holes. Fuck. Yeah, I wanna see that. My obedient little stepsister leaking cum onto my bed, absolutely spent. Such a fucking whore you’d probably ask me to do it again. Fuck your little pussy till it’s sloppy and bred.” 

He wasn’t even looking at you. His head tilted back and his hips stuttered. You could tell he was getting close.

“I’m gonna cum down this slutty throat and you’re gonna swallow it all and thank me.” His face and neck were a little red and he had this sheen of sweat that the light from his lamp bounced off of. He looked like some kind of angel and if he wasn’t aggressively fucking your face you might’ve actually believed he was. “Fuck, oh take it.” He moaned and pushed his cock to the back of your throat. You could feel his hot cum paint stripes into your mouth. He rutted his tip right against the back of your throat while he moaned and mumbled. “Good girl, good girl. Take it, baby.” He pulled back out of your mouth and looked down at you while he stroked himself a few times to make sure he was done. A little bit of cum spilled from his tip and onto your thigh. You could finally swallow now that he was out of your mouth and god it felt good. You opened your mouth to show him that you really did it.

“Thank you.” You smiled up at him softly and he shuddered at your words. He looked away from you and cursed as his face got red. He was just talking earlier; he didn't think you’d actually do it.

“Quit it, you’re gonna make me hard again.” He seemed a little embarrassed. He moved your hair out of your face and went to the bathroom across the hall. You heard water running for a bit and then he came back and kneeled in front of you. He silently used a warm rag to wipe away the dried tears from your face and the little bit of cum that spilled onto your chin. “There you go.” 

“Thank you.” He wiped away the bit that was on your thigh and you guys just stared at each other for a second. It wasn’t really awkward but more like each of you had something to say that you just wouldn’t. 

He leaned forward and kissed you. It was soft and sweet and you had plenty of room to move away if you didn’t want it. There was such a contrast from what you were doing now and what you had been doing, hell, how he was acting with you now and how he had always acted with you; it felt like it was short circuiting your brain, but in a good way. He pulled back and set the rag on his bedside table before picking you up and setting you on his bed. He crawled in next to you and put his arms around you. It felt a little weird but in a nice comforting way. It was something you really needed. You almost forgot that you had been sucking him off—if you could even call it that—like two minutes ago. You really weren’t tired but you laid there with him for who knows how long. 

Maybe you really didn’t hate having a stepbrother.

[chanelfunnell]

Lindsey was a bottle girl and part time hairdresser when she met Toews. It was as a bottle girl that she met Toews. Toews had to pay off some debts Lindsey accrued. She went to full time hairdresser after dating Toews. Having Toews as bf is what got her as a sort after hairdresser. Toews paid for Lindsey side of her salon she is in partnership with. She got a lot of hate because she was a party girl/bottle girl but Toews was a frat boy as well. But it always seemed neither cheated on each other until towards the end when it was very much a off and on relationship until it was off for good. As for the other site on Crosby he learnt very early not to have a public private life and Kathy seems to stick to that rule. Does he cheat maybe. Who knows. Also they bash Amanda for not going out with wags she is 35 with a 2 year old. Her life is now about her family not wag lifestyle and kane seems to love both off them. People forget these guys play hockey and are human and so r the gf and wifes

Do you mean wives ? None of these 3 was or is married to Toews, Kane, Crosby . Maybe Crosby is married and they have a child now looking on Kathy's hair and a belly cradling by both on the photo and overgrown dark roots of L Blakeley actress but gosh you have all sort of info from all NHL franchises all over North America .

i agree it is not easy life to be wag with non stop travel and moving and all 3 were or are long term partners . Amanda has had her party time and fun Kaner has met her as a waitress during her uni, supporting herself. So Lindsey . It is up to her to keep her biz afloat and so during pandemic. It does not matter who has funded her biz as it is not her vanity project. She has had balls to leave him as he loved her but not enough to have a child with her. She could go ahead to have a kid with him and a child maintenance. It was pandemic, she has found her new Mr Right asap and he's a father of her baby girl. No public spats or posing online like Elina .I think Tazer has suffered so far. Kathy is out since 2014. More hyped media bubble about Crosby since his teens what you can't see about Bedard now or fake choir boy hermit image applied on McDavid to sell jerseys and a young captain and scoring machine image lol ...really, she comes from well to do background. Not rich one but the background and family where Steptford Housewives are born and bred. They don't work and a wealthy partner is expected. So far so good if there is a commitment what seems to be a case but relationships break and divorce is easy. So the marriage is sought. And prenup to award the woman in the question, not easy split of the couple who grew apart with all sorted out beforehand. She is 37. 15 years together. I'd think twice to stay like Lindsey to waste my chance to have family etc to be a semi hidden partner of busy ice hockey player. If they have fertility problem, ok. It's understandable but then again it's fair Kay game to release the girl like Lindsey to go than drag her around the rink. I think Kathy wants to stay, for various reasons like comfort, trust, routine of a partner she knows and also his money to ke a housewife. Her work is a light commercial modelling that does not count with million per an endorsement so she relies on her partner. Any split makes it harder and old insurance in the form of the child as well as legal marital cord is not here. She can use a cohabitation as she reaches 40 and so the end of modelling fun but it does not set her for a life.. Call Vecchione a bottle girl as any woman is a marketing guru with IN or a model now but Vecchione without a cushy family background of executive father is doing very well and far from a doormat. Kathy is hanging on for dear life, years and years...no a job. Crosby stays in Pittsburgh. Call Hevner a plastic Barbie in latex tight pants from Disneyland she has been working for years and grasped the sale management..I'd say Kathy has neither a child not a job in the case to support herself and Crosby is also interesting man with his freaking about privacy yet posing happily with Drake and two bottle girls. You don't see it with Kane right now...he has had his scandals, huge cab drama but never hiding it is not him.

[insurance-online-services]

Term Insurance for Housewives: A Smart Financial Protection Plan

In today’s evolving world, the role of a housewife is not only limited to managing household chores. Many housewives contribute significantly to the financial stability of a family by managing expenses, ensuring the well-being of family members, and even helping with part-time work or small businesses. Despite their critical role, financial protection for housewives is often overlooked. This is where term insurance for housewives becomes an essential tool, offering a sense of security for both the individual and the family.

In this article, we will explore why term insurance for housewives is a smart choice, how it works, and the key benefits it provides. If you're considering this option, here's everything you need to know to make an informed decision.

What is Term Insurance for Housewives?

Term insurance is a type of life insurance that provides coverage for a specified period. If the insured person passes away during the policy term, the nominee receives a death benefit. Typically, term insurance is seen as a product meant for income-earning individuals, but term insurance for housewives plays an equally critical role.

Even though housewives may not bring a direct salary to the household, their contributions have an economic value. Managing the home, taking care of children, and other household responsibilities save families significant costs. Term insurance for housewives offers financial security to the family in case of any unforeseen circumstances. This can help cover various expenses like childcare, household management, and long-term family needs.

Why is Term Insurance for Housewives Important?

While housewives may not earn a monthly paycheck, their role is indispensable. The sudden loss of a housewife can disrupt the family's financial and emotional stability. By purchasing term insurance for housewives, families can mitigate financial stress. Here's why this type of insurance is important:

Household Responsibilities: A housewife manages various tasks that would otherwise require external help, such as cooking, cleaning, and childcare. In the event of her passing, these tasks would need to be outsourced, leading to higher expenses.

Long-Term Financial Security: In addition to managing the household, housewives often play a role in managing the family’s budget. Term insurance helps ensure the family remains financially stable.

Education and Childcare Costs: Many families rely on one parent for hands-on care and education of children. If that parent is lost, term insurance can help provide for the additional costs of childcare and education.

Key Benefits of Term Insurance for Housewives

Investing in term insurance for housewife offers several benefits. These include:

Affordable Premiums: Term insurance is one of the most cost-effective life insurance options available. Housewives can secure substantial coverage at affordable premium rates.

Financial Protection: The primary advantage of term insurance is the financial protection it offers to the family. The sum assured can help the family manage various expenses in case of the housewife’s sudden demise.

Customized Coverage: Many insurance providers offer flexible options, allowing families to tailor the insurance coverage to their specific needs. This means you can choose the coverage that best suits your family’s financial situation.

Peace of Mind: Knowing that the family is financially secure provides peace of mind. Even if the housewife is no longer present, the family can continue to function without worrying about immediate financial strain.

Tax Benefits: Most term insurance for housewives policies come with tax benefits under section 80C of the Income Tax Act. This makes it not only a protective measure but also a smart tax-saving investment.

How to Choose the Right Term Insurance for Housewives

Choosing the right term insurance for housewives requires careful consideration of various factors:

Sum Assured: The sum assured should be adequate to cover the family’s immediate and future financial needs. Consider factors such as household expenses, child education, and potential outsourcing costs.

Policy Tenure: Select a tenure that aligns with the family’s financial planning. Ideally, the policy should cover the most crucial years of family life until children grow up or until financial obligations are reduced.

Premium Affordability: Although term insurance is affordable, ensure that the premium fits within the family’s budget without compromising coverage.

Claim Settlement Ratio: Before choosing an insurer, check their claim settlement ratio. A higher ratio means the insurer is more reliable when it comes to paying claims.

Common Myths About Term Insurance for Housewives

There are several misconceptions about term insurance for housewives. Let's debunk some of these:

Myth 1: Housewives Don’t Need Life Insurance: As discussed earlier, housewives play a pivotal role in managing household finances and responsibilities. Their absence could result in financial strain on the family.

Myth 2: It’s Too Expensive: Term insurance policies are known for their affordability. Even with low premiums, they offer high coverage amounts.

Myth 3: Housewives Can’t Get Term Insurance: Many insurance providers now offer dedicated term insurance for housewives, recognizing their contributions to the household.

Conclusion: Securing Your Family’s Future with Term Insurance for Housewives

While housewives may not earn a salary, their contributions are invaluable. Having term insurance for housewives ensures that the family remains financially stable even in their absence. This affordable and effective financial tool offers peace of mind to both the housewife and her family.

By investing in the right policy, you can safeguard your family's future, providing them with the financial protection they need during challenging times. Don’t wait—consider securing term insurance for housewives today and ensure your loved ones are always protected.

Share this article & your thoughts with us in the comments below!

[familyraksha]

Women-specific Term Insurance plans

In today’s fast world , insurance has become a pivotal feature of financial planning for every individual. Among the different types of insurance, Term insurance stands out as a essential tool for securing one’s financial future. While term insurance plans are generally available for all, Women specific term insurance plans have come up as a significant offering customize to meet the unique needs and challenges faced by women . This blog hunts through the clear-cut features, benefits , criteria and frequently asked questions about women specific term insurance plans.

Understanding women-specific Term Insurance plan Women-specific term insurance plans are drafted with the understanding that women often face unique financial and health-related challenges. These plans aim to provide extensive coverage that addresses these specific needs . Benefits 1.One of the most notable benefits of women-specific term insurance plans Is the lower premium rates. accurately , women have a longer life expectancy compared to men , which interpret into lower risk for insurers. Consequently , insurer offer lower premium rates for women, making term insurance more affordable .

Many women-specific term insurance plan offer magnified coverage for critical illnesses such as breast cancer , and ovarian cancer , and cervical cancer. These plans often include higher sum unfailing for these illnesses, acknowledging the higher risk and impact they have on women’s health . 3.Some women-specific term insurance plans come with added parenthood benefits. These benefits can include coverage for complications during pregnancy, hospitalization expenses , and even child care post delivery. 4.Term insurance provides financial security to family in case of the policyholder’s early death . For women , especially housewives , this can be pivotal safety net ensuring that their families are not left in financial distress. 5.Premium paid towards term insurance plans are eligible for tax deduction under section 80C of Income Tax Act , providing additional financial reassurance and uplift savings. Eligibility criteria 1.The minimum entry age is generally 18 years , with the maximum age ranging from 55 to 65 years, depending on the insurer. 2.A medical examination may be required to evaluate the health status of the applicant . pre-existing medical condition could affect eligibility and premium rates . 3.some plan may take into consideration the occupation of the applicant especially if the job necessitate high risk. 4.While income is not always a strict benchmark, some insurers may consider the applicant’s income to determine the sum assured and premium rates. FAQs 1- What is the difference between standard term insurance and women-specific term insurance? Women-specific term insurance plans are customized to address the different needs of women, such as lower premium rates , increase coverage for women-specific critical illness , and additional parenthood benefits. 2- Can housewives aid of women-specific term insurance plans? Yes, housewives can aid of women-specific term insurance plans. These plans recognize the invaluable contribution of housewives and offer them financial security and protection. 3- What are the benefits of term insurance for housewives ? Term insurance for housewives provides financial security to their families in case of their early death . It also offers peace of mind knowing that their loved ones will be financially protected 4- Is medical examination necessary for women-specific term insurance plans? While not always mandatory , a medical examination may be required to assess the health status of the applicant and determine the premium rates 5- Can I customize my women-specific term insurance plan ? Yes, many insurer offer customizable options for women-specific term insurance plans , allowing you to choose coverage that best suits your needs and financial goals. Women-specific term insurance plans offer a panoramic and customized approach to financial security for women. With benefits like lower surcharge costs , magnified content for censorious illness, and additional parenthood benefits , these plans are designed to meet the unique needs of women. Whether you are a working professional or a housewife , securing your financial future with a women-specific term insurance plan Is wise and empowering decision.

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[sonalj]

Best Spouse Term Insurance Plan Online in India 2024 | Kotak life

While words of affection bring us joy, it is the small unsaid actions of care that show the true nature of our emotions. You can do the same for your partner by purchasing term insurance for couple.

People value the eternal bond of marriage - the thought of having someone with whom you can share your joys and sorrows for the rest of your life seems beautiful and reassuring. Having term insurance for husband and wife strengthens this bond by showing how much you care for your partner. You might ask what is spouse cover in term insurance, or term insurance with spouse cover, let us understand.

About Spouse Term Plan Cover You can safeguard your partner as well as yourself with a spouse term insurance plan or a joint life cover for your spouse. In this manner, you and your spouse would be covered against life’s eventualities via a single life insurance policy. A spouse term insurance plan is tailored in a way that is convenient for both working couples as well as those with one spouse who is a homemaker (with the option of term insurance for housewives).

What is Spouse Term Insurance? Spouse term insurance is a type of life insurance policy that provides a death benefit to the partner if the insured passes away during the policy term. It is a policy designed to ensure that the surviving spouse is financially stable and can take care of their needs, such as paying off debts, mortgages, and other expenses.

A term plan with spouse cover works by paying a premium to the insurance company, and in return, the company provides coverage for a set term. If the insured passes away during this period, the death benefit is tax-free to the surviving spouse. The benefit amount can range from a few hundred to thousands, depending on the policy’s coverage and the insured’s needs.

How Does Term Life Insurance for Couples Work? Term life insurance for couples works by providing financial protection for both spouses within a single policy. Typically, the couple purchases a joint-term life insurance policy, which covers both individuals under one plan. If either spouse passes away during the policy term, the surviving spouse receives the death benefit. Premiums are usually based on factors such as age, health, and the desired coverage amount. Spouse term insurance plans offer convenience, potentially lower premiums compared to separate policies, and shared benefits for both partners.

Key Features of Spouse Term Insurance Plans Spouse term insurance is essential for both partners. It allows you to cover the expense in case one of the partners is not around anymore. It is important to understand the key features of spouse term insurance plans, let us take a quick look:

Joint Coverage Spouse term insurance plans provide coverage for both partners under a single policy, simplifying the insurance process and ensuring comprehensive protection for the couple.

Flexible Term Options These plans typically offer a range of term lengths to suit different financial goals and timelines, allowing couples to choose the duration that best fits their needs.

Death Benefit In the case of the death of either spouse during the policy term, the surviving partner receives the death benefit, providing financial support during a difficult time.

Premium Affordability Spouse term insurance plans often come with competitive premiums, making them a cost-effective option for couples compared to purchasing separate policies for each partner.

Customizable Coverage Couples can customize their coverage amount for spouse term insurance, based on factors such as income, financial obligations, and future needs, ensuring adequate protection for their loved ones.

Convertibility Options Some plans may offer the flexibility to convert the term policy into a permanent life insurance policy, providing long-term protection and investment opportunities.

[investment-insider]

The Importance of Term Plans for Housewives

Term insurance policies are critical to guaranteeing financial stability for families, and their importance is not restricted to the primary breadwinners. Housewives, who make substantial contributions to a household's well-being, can benefit greatly from having a term plan in place. This type of life insurance provides financial protection to the family in the event of the insured person's death within the policy term. In this perspective, consider why term planning are especially vital for housewives.

Why Should Housewives Purchase a Term Plan?

Reduced Premium Prices:

Term plans often provide cheaper premium rates for non-working spouses. This price feature makes it an attractive option for women looking to ensure their family's financial future without straining the overall budget.

Investment and Savings:

Buying a 1 crore Term plans can offer both income protection and savings options to your loved ones in your absence. This can help housewives create a financial corpus over time, providing an extra degree of financial protection.

Funds for Important Future Events:

Housewives might utilize term plan payouts to finance necessary costs, such as children's education, marriage, or debt repayment. This guarantees that the family's financial goals are not jeopardized even when the homemaker is no longer present.

Joint Life Cover:

Many term plans include joint life coverage for spouses. This implies that both partners may be insured by a same policy, offering a comprehensive solution for the entire family's financial security.

Additional Benefits:

Term plans may include riders and benefits like critical sickness coverage, accidental death compensation, or premium waiver. These features can offer additional levels of protection suited to individual requirements.

Advantages of a Term Plan for Housewives:

Affordable Premiums: Term plans for housewives are designed to provide appropriate coverage without exceeding a family's budget.

High Term Plan Coverage: Despite reduced premiums, term plans provide appropriate coverage for families in case of an unexpected incident.

Term insurance premiums can be deducted under Section 80C of the Income Tax Act, incentivizing housewives to invest in a term plan.

How to Choose the Best Term Insurance for a Housewife?

Check the Adequate Coverage:

Assess the family's financial needs, including outstanding loans, projected bills, and other financial objectives. Choose a term plan that offers enough coverage to suit these needs.

Examine the Claim Settlement Ratio: A greater ratio reflects the insurer's ability to resolve claims reliably. Choose an insurance company with an excellent track record in this area.

When selecting a term plan, consider the duration, frequency of premium payments, and other features. Select a plan that meets the family's individual requirements and preferences.

Conclusion:

Finally, term plans are extremely important not just for primary earners, but also for housewives in assuring their families' financial stability and security. Term insurance is an excellent alternative for every family, regardless of its members' job position, due to its low cost, extensive coverage, and additional advantages. Housewives may help their families financially by carefully picking an appropriate term plan.

[raeynbowboi]

Bob’s Burgers 10th Anniversary Retrospective

After ten years, Bob, Linda, and the Kids are just as delightfully wacky and endearing as they ever were, and show no signs of slowing down. So I wanted to put together an ultra mega review of the series. I’ll give an opinion on main and recurring characters, as with a cast this big, there’s been a lot of endearing characters to grace the show over the years. However, I will only be counting characters that have appeared more than once. After ten years, there’s been some real gems, and some real misfires. So, I’ll be counting down my top 10 best episodes, and the bottom 10 worst episodes. I’ll also go through as a Highlight Reel, by picking a best and worst episode of each season, as well as crowning the Best Season with the most good episodes.

Bob Belcher

Honestly, Bob was a very easy character to mess up. He’s the straight man to his wacky family’s antics. But the show does a really great job making Bob simple and lowkey without making him boring or a stick in the mud. He may be resistant to weird things, but he puts up with it anyway to make his family happy.  While he’s the serious straight man, they don’t fail to give Bob his own eccentricities and quirks that make him relatable and funny in his own way. Whether he’s making things talk, getting weirdly excited about Thanksgiving, or his awkward way of speaking, Bob is genuinely a good and relatable character. It’s also nice to see that Bob is a great husband and a loving father. He and Linda argue from time to time, but they’re not trapped in a loveless marriage for the kid’s sake like most shows. And even shows where that’s not a selling point like American Dad, Bob shows more remorse for things like forgetting their anniversary than Stan does for Francine. Bob is supportive, loving, and forgiving. Which is just amazing to watch. The times when his kids really need him, he’s there for them, and he helps them through their problems. While Bob might fight with and get mad with or annoyed by his family, Bob never treats them like people he’s stuck with. Frankly, Bob blows most animated TV dads out of the water. I don’t think I’ve ever seen Stan or Francine give quiet supportive talks to Steve or Hayley ever in American Dad. Peter used to at least try to be a decent father, but now is a negligent toddler. Likewise, Homer used to be a great father who cared about his kids, but later seasons have really stepped away from the family angle the Simpsons used to have. In a sea of adult animated families that are toxic and destructive, Bob’s genuine love for his family came as a breath of fresh air.

Linda Belcher

Linda is by far the best Adult Animation TV mom there is. For one thing, she’s funnier than Francine, Lois, and Marge combined. But more importantly, she’s not the butt of the joke when it happens. I can only really remember laughing at Francine when they make dumb blonde jokes with her, but Linda’s jokes come from her character. She could have easily been the gender inverted Homer or Peter, but the writers are careful to make her gullible, trusting, and goofy without making her a moron. When the kids do something wrong, Linda busts out the tough mom act and you genuinely believe that the kids are in trouble. She’s not faking it. She’s not off in her own little world. She’s a bit of a goofy dreamer, but she’s able to be the tough disciplinarian when she needs to be. Her relationship with Bob is also better than most adult animation wives. She’s more independent than the other housewives, and even though her job is working with her husband, it never feels like it robs Linda of her own power, autonomy, and freedom. But the best thing about Linda is that I think most people can agree, she has an extremely strong and charming personality that endears us to her.

Tina Belcher

I really wish I could say I liked Tina more. She’s a creative romantic, just like me. I should love her. But her monotone deliveries and awkwardness isn’t as endearing as Bob’s. I like her better in episodes like Teen-A Witch and Broadcast Wagstaff School News where she has a bit stronger of a personality. But unfortunately, Tina is my least favorite member of the Belcher family, which isn’t to say that I hate her, she just doesn’t shine as bright as the rest of her family. She’s just not very funny or interesting on her own. But on the plus side, at least I don’t find Tina to be annoying or terrible except in the rare bad episode.

Gene Belcher

Gene is the only member of the family that can regularly get my dad to laugh, and with good reason. If he wasn’t such a well of nonsequitor punchlines, Gene would probably be the worst member of the family, but boy howdy do those random jokes pick up the slack. Gene is genuinely hilarious, even if I’d only rank him above Tina in terms of favoritism. However, I find that most Gene-centric episodes to be lackluster or below average. I think Gene’s best episode is probably Y Tu Ga-Ga Tambien, but of the best episodes, none really come to mind that specifically star Gene. Gene is really better suited for a supporting role, and his times as the star showcase why comic reliefs aren’t the main character. They’re support characters for a reason. That’s not to say Gene-centric episodes are terrible. They just tend to range from about average to bad. Though Y Tu Ga-Ga Tambien is a pretty good one.

Louise Belcher

Bob and Linda saved the best for last because Louise is the breakout star of the show. Funny, interesting, and the focus of many of the better episodes, Louise stands proudly on the first place podium with Linda in 2nd and Bob taking 3rd place. I think Louise’s strengths are especially due to her standoffish and naughty personality, which has lent itself to a lot of good character growth episodes. Season 10 Louise seems a lot more mature than Season 1 Louise. I think Louise works because while she does often have clever or sneaky solutions to problems, they don’t forget that she’s 9, so unlike Stewie, her age does present hurdles and barriers to her schemes and plans.

The Best and Worst of Bob’s Burgers

#10 WORST: Pro-Tiki/Con-Tiki (S6e15)

Why couldn’t Warren Fitzgerald just put that $100,000 into advertisements or to help Bob buy better equipment for his restaurant? My biggest issue with this episode isn’t the episode itself, it’s that the ending makes no sense. Warren wants to help Bob because he has a form of riches Warren lacks, and Bob doesn’t want a corporate sponsor to make changes to his brand. But why can’t Warren just give Bob the money to make choices he wants to make? They could stay as business partners, but Bob doesn’t have to sacrifice his personal vision for the restaurant. It’s just really frustrating when they’re both being too stupid and stubborn to see the obvious solution in front of their faces.

#10 BEST: Teen-a Witch (S7e03)

One of Tina’s best episodes, as someone who had a goth phase myself and dabbled a tiny amount in ‘witchcraft’, this episode brings back memories of high school and the desire to make the world what I wanted it to be. But on top of that, Tina with a backbone is when she really shines as a character, mostly because it means her humor isn’t being derived from her being awkward.

#9 WORST: Live and Let Fly (S9e05)

Mr. Frond embarrasses the kids, and they team up with Up-Skirt Kurt to get revenge against his sister and Mr. Frond. I’m not a fan of Kurt, so I already don’t care much about his feud with his sister, but I also just find the episode kind of boring. I don’t care about Kurt, I don’t care about his feud, and the kids call off their revenge, so that ends up not mattering either. Even Bob and Linda’s side plot is only middle-of-the-road quality for Bob’s Burgers.

#9 BEST: Wharf Horse/World Wharf II (S4e21-22)

The very first two-part episode Bob’s Burgers ever had, the season 4 finale is a great watching experience. It has some fun songs, funny character exchanges, suspenseful drama, and some heartfelt moments. It feels like a short movie, and that’s a good thing for a two-part episode to do. Even Fanny and Felix are interesting villains. But even after everything Felix did, I don’t find myself loathing him in later episodes, and that’s a hard thing to accomplish.

#8 WORST: Tina-Rannosaurus Wrecks (S3e07)

This is the only bad Tina episode where the problem isn’t Tina herself. My biggest issue with this episode is more just the subject matter. Bob lies for insurance reasons about who was driving his car, and the entire episode is just Bob and Tina digging a deeper and deeper hole for themselves. The solution to the issue is clever enough to redeem the episode somewhat, but the majority of the watching experience is just kind of an awkward dance of watching these two getting tangled up in a web of lies.

#8 BEST: The Taking of Funtime One Two Three (S9e02)

Bar none, this is the single best ‘Heist’ episode of Bob’s Burgers, and it’s kind of crazy that Bob’s Burgers has actually built a repertoire to where I can make a list of ‘heist’ episodes as an archetype. This one feels the most like an actual heist movie, and the ending is legitimately clever and unexpected. But even more than that, if you’re paying attention, you can see the twist before the characters even reveal it. That is the kind of tight writing that makes the list for best episodes.

#7 WORST: A Fish Called Tina (S10e12)

Tina spends an episode trying way too hard to make someone like her, to the point that she almost humiliates a 4th grader in public just so she can live out some fantasy. It’s really uncomfortable and sickening to watch Tina do this. This will be a recurring issue with Tina’s low-point episodes. There’s nothing fun about watching a character make a complete idiot out of themselves by coming on too strong. It even makes me groan when Kaylie shows up in another Season 10 episode because I don’t want to have to think about this awful episode.

#7 BEST: Stand By Gene (S6e12)

Something about this episode really just brings back memories of my childhood. Memories of walking through the outdoors, just exploring and wanting to find things. The characters are funny, and Bob and Linda’s relationship is put to the test. Plus, I loved that for the entire episode, you don’t know how it’ll end. It really makes this a personal favorite and one of the episodes I knew had to make it on my list.

#6 WORST: The Grand Mama-Pest Hotel (S7e13)

Linda ruins things for Tina by being an overbearing annoyance. Are you noticing a trend with Bob’s Burgers’ worst episodes? I don’t like it when good characters make complete jackasses out of themselves in the name of ‘humor’. It’s not funny. It’s annoying and makes me dislike them. Thankfully, the worst of it is only in the latter half of the 2nd act and the entire third act, but Linda’s behavior just makes me cringe and ask why they had to do Linda dirty like this? It just puts me even more squarely on the side that Tina is entirely in the right and I don’t want to deal with Lind either.

#6 BEST: Broadcast Wagstaff School News (S3e12)

From Tina at her lowest point to Tina at her best, Broadcast Wagstaff School News is my favorite episode of the first 5 seasons. Tina’s funny and engaging, Gene is absolutely shining as Little Bob, and while Louise and Linda play supporting roles in this episode, they’re still funny as well. Plus, the mystery is a good one, and this episode is even referenced in later seasons.

#5 WORST: Mazel-Tina (S4e13)

Tina ruins Tammy’s birthday and steals her party. This is Tina at rock bottom. Tina is so despicable, cruel, and selfish in this episode that it reminds me that behind that creative awkward girl is a selfish brat who doesn’t care if she hurts other people if she can live out her fantasies. If other episodes didn’t rescue Tina from being so unlikable, I probably would hate Tina as a character entirely for her behavior in this episode.

#5 BEST: The Silence of the Louise (S8e02)

Movie parodies are some of the best, and The Silence of the Louise is the queen of all the movie parodies. When Mr. Frond’s therapy dolls are mutilated, and the school staff calls off the waterpark trip until the culprit is caught, Louise teams up with psycho Millie to figure out whodunnit. This is also one of the first time Millie wasn’t strictly an antagonist, and she genuinely felt like someone who could be Louise’s friend someday.

#4 WORST: Boywatch (S8e16)

Tina ruins things for other people by coming on too strong. The only reason this is ranked higher than Mozel-Tina is because in that episode, she just wanted to be at the party, and just kind of ended up as the star of the party and let it go to her head, whereas here, she is actively ruining things for other people in pursuit of her own delusions and fantasies. Tina has no desire to be a junior lifeguard, but cute boys causes her to behave like a troublemaker. She’s entirely out of character, and her teammates’ hate for her behavior is something I agree with. I don’t want to hate the main characters, so why does this show keep pushing to make Tina a nuisance who ruins experiences for other people?

#4 BEST: The Quirkducers (S7e06)

If the Silence of the Louise is the queen of film parodies, then The Quirkducers is the king. Not only is it a clever parody of The Producers, but it also has some damn good musical numbers, especially the edited end credit version. But it’s Tina’s song at the end that stands as one of my favorites of all Bob’s Burgers’ songs.

#3 WORST: Bed & Breakfast (S1e07)

If a Fish Called Tina is bad, then Bed & Breakfast is flaming garbage. Linda turns their apartment into a Bed and Breakfast, and Linda goes berserk when the guests don’t play into her expectations. This episode verges from below average to detestable as Linda goes insane and locks people in their rooms, and Louise drives a grown man to attack workers by preying on his fear. 

#3 BEST: The Hauntening (S6e03)

This is hands-down the best Halloween episode that Bob’s Burgers ever made. This show turns out some amazing holiday episodes, and this is one of the best the Belchers have to offer. I won’t dare give away anything about this episode. If you’ve seen it, you know why it’s top of the heap, and if you haven’t, then all I can say is what are you waiting for? Delayed gratification has to pay off eventually.

#2 WORST: Every Which Way But Goose (S9e14)

Tina falls in love with a goose. Who smoked crack before writing this episode, and who huffed enough paint thinner to approve this episode for production? This is the absolute dumbest concept for an episode I have ever come across. Who thought this was a good idea? I can’t even pinpoint the flaws because this entire episode is just so flawed. At least Mazel-Tina and Boywatch enrage me. This just baffles me.

#2 BEST: A Few Gurt Men (S7e11)

When Mr. Ambrose accuses Mr. Frond of stealing his yogurt from the faculty lounge, the case is brought before student court, and Louise is tasked with acting as Defense Council for Mr. Frond. One thing Bob’s Burgers does well is mysteries, and this is a good one as Louise has to figure out a way to prove Frond’s innocence. This is just an absolute personal favorite. Every character is just on point, and I get excited when the episode starts to que up.

#1 WORST: Moody Foodie (S2e07)

Did you ever want to watch the Belchers commit a felony? Then boy howdy do I have an episode for you! A picky food critic responsible for shutting down restaurants comes to Bob’s Burgers. Bob messes up the order, and a visit to the critic’s house to get him to try his burger again leads to a hostage situation with the critic tied to a chair and gagged in his own home. Words cannot describe the depth to which I hate this episode. The entire episode feels dirty and vile. I feel the need to scrub my skin raw after sitting through this episode. The instant I realize that it’s come on, I skip the the next one. I have literally only sat through this episode once. This episode disgusts me. This episode has the main character, abduct somebody in their own home. Then they take a second hostage when a mailman delivers the guy’s package. Luckily, Bob’s Burgers has a lot of good episodes to make up for this one bad egg, but this episode enrages me to the point that if the family wasn’t so charming and endearing most of the time, I might have stopped watching based just on this one episode.

#1 BEST: The Bleakening: Part 1 & 2 (S8e06-07)

The first time I saw these episodes, they played back to back without any credits in between them, and I thought it was one episode, and I didn’t even realize it was the length of two episodes. Between the amazing songs, the brain bending twists, the creative creature, the dark elements that contrast the bright lights of the holidays, and the uplifting ending, this pair of episodes stands paramount as the single greatest viewing experience that Bob’s Burgers has to offer.

Favorite Friend of the Kids: Regular-Sized Rudy

First appearing in Carpe Museum, Rudy came back in The Kids Rob a Train, where he has remained a friend of the kids since. Rudy was the first to join the kids if you don’t count Andy and Ollie who seem to dip in and back out as to whether they’re included in the friend group. Rudy was thus the first to be made a main member of the kids’ friend group.

Favorite Schoolyard Seven: Jocelyn

The Schoolyard Seven is the friend group of the three Belchers, Jimmy Jr., Zeke, Tammy, and Jocelyn. Not counting the Belchers, it was a close call between Zeke and Jocelyn. Tammy and Jimmy Jr. tend to be typecast as serving one niche thing, but Zeke and Jocelyn are often the comedic gold. However, while Zeke is more interesting of the two, I just enjoy Jocelyn too much to not give her the win. Even if Jocelyn’s humor is just a walking dumb blonde trope, like Gene, Jocelyn has a knack for funny one-liners. If the groups has another name, I’m not privy to it.

Favorite Friend of the Family: Micky

Though he’s less connected to the family now, Micky has been a friend to the Belchers since Bob Day Afternoon, and returning in Bob Fires the Kids. Since his introduction, Micky has gotten a job at Wonder Wharf, where he has remained since.

Favorite Recurring Villain: Logan Bush

First appearing in Ears-y Rider, Logan has been a fun and interesting frenemy for Louise to match wits with. In a show where most other villains are the same age as the main characters (Millie, Tammy, Chloe, Jimmy Pesto, Hugo) Logan stands out as a legitimate bully. Yet, even he was willing to work with Louise in Mother-Daughter Laser Razor, showing that there is wiggle room for the two of them to even join forces and spread havoc together.

Favorite Tina Love Interest: Duncan

Earnest if not a little awkward, Duncan seems like a sweet boy for Tina to possibly end up with. Sasha Whiteman is another character I could easily see being a good boyfriend to Tina because his quick wit and social graces make him a great foil to Tina, and he excels where Tina falls short. Zeke has a good chance to be a good boyfriend, but Tina still spits his name when she greets him, so I doubt she’d take interest in him unless something happens to change their dynamic. I liked Josh, but now that he’s said he doesn’t like her anymore and she agreed that she feels the same, I doubt we’re going to see them date further in the future.

Favorite Side Character: Nat Kinkle the Limo Driver

First appearing in Season 8 episode 8 V for Valentine-detta, I must not be the only fan of Nat’s because she made two appearances in the 10th season, in episode 1 The Ring (But Not Scary) and episode 17 Just the Trip. Currently with only 3 appearances, she’s still only a side character, but I get the feeling that like with Rudy, Courtney, Darrel and Alex before her, Nat will keep becoming a more frequent character. She just has a great vibe, and her charisma is intoxicating. She meshes great with the family, making her an absolute delight to watch.

Favorite Bit Character: Marshmallow

Although she’s appeared in multiple episodes since her introduction in Sheesh, Cab Bob, Marshmallow has never gotten much more than a couple lines, with her biggest role being in The Bleakening where she had more to say. She was also the first major LGBT+ recurring character on the show, which also made her a joy to see, whenever she returned to Bob’s Burgers.

Favorite Headcanon: Gene is Genderfluid

Gene’s jokes have been centered on his gender or sexuality since the first season finale. A joke once in a while is one thing, but ten years of the same sorts of jokes tells the sharp viewer that there’s more to it than just a running gag. With how many jokes have Gene talk about having boobs, synching his cycle, or calling himself Tina and Louise’s sister or Bob and Linda’s daughter, it’s my opinion that Gene is genderfluid, or possibly even transgender. The only reason I say genderfluid over a transgirl is because he still also addresses himself as a boy or a man as much as he does girl jokes.

Best Song: Twinkly Lights (Ms. XXX-Mas)

Not only does Toddrick Hall absolutely kill this performance, but I also love the meaning of the song about POC inclusivity and pride in the LGBT+ community. As the final song in The Bleakening, it’s one hell of a closing number, and I can’t help but dance in my seat whenever it plays. I’ve even listened to it independent from watching the show, and honor I don’t bestow on every song.

Best Episode Archetypes:

The Best Heist: The Taking of Funtime One Two Three

The Belcher kids have stolen a number of things. Chocolate, a bounce house, but the absolute creme de la creme of their heists is the procuring of the Dunebuggy from Family Funtime. When Family Funtime unplugs the macchines whenver the kids get too many tickets from them, the kids decide to pull off the heist of a century to make off with the biggest prize of the arcade: the dune buggy.

The Kids Tell An Anthology: Moms, Lies, and Videotapes

From the Gayle Tales to The Handyman Can, the kids have told a number of anthology stories, but the most impressive of the bunch is their stories of the mother’s day plays into three interesting stories. Though true to form, Gene’s is the weakest of the three, as his usually are. I don’t recall any time when his anthology was the best of the kids’, but then, Gene is not the most creative of the three children. His best story is probably in The Frond Files where his story’s world is colorful and fun to observe.

Best Musical Episode: The Bleakening

Not only do these episodes have a lot of musical numbers, but there is not a single one that doesn’t hit a home run. But more importantly, the entire episode is a musical, with each number helping to tie and bridge together the narrative, which is the entire purpose of musical numbers in a proper musical, which makes this the single best musical episode mainly because it’s the only episode that’s a true blue musical.

Best Holiday Episode: The Hauntening

With The Bleakening already taking the top spot for musical episodes, that leaves the Miss Congeniality of the holiday episodes to take the crown. I didn’t spoil anything about this episode above, and I won’t say a thing about it now. This episode is solid gold.

Best Film Parody: The Quirkducers

Not only is this episode clever in the way it uses its source material, but the family all have moments to shine despite the stars being Louise and Gene. The show also makes good use of the Schoolhouse Seven (the main group of the Belcher Kids, Jimmy and Zeke, and Tammy and Jocelyn), and each of them brings something great to the episode. It undoubtedly earned its place in the top 10, and will likely hold its place for years to come.

[suncityblues]

No Do Overs

Dean/Cas + Sam   6k words  https://archiveofourown.org/works/28034862 

Sam and Dean end up renting a house just outside Saint Cloud, Minnesota. It’s a single storey brick building with a little fireplace and a big backyard. Two bedrooms, two bathrooms, a kitchen. A living room with enough space for a couch, a tv, and a bookshelf. Ugly yellow-tan walls and blue checkered tablecloths, Bob Ross knock offs and seashell art.

It reminds them a bit of the motel rooms they had grown up in. Uniformal and familiar in some ways, a clean slate in others.

“Cozy,” Dean says sarcastically on their first walk through. “Hah, yeah,” Sam agrees with a huffy laugh, trying to disentangle himself from a low hanging seashell themed windchime.

Six months later they’re still living there. One closet is filled with weapons and other hunter ephemera, and there are sigils and protective warding where they need to be, but from the outside everything looks exactly the same. They’re just two adult brothers and a shaggy dog living in a house that looks like it was decorated by their grandma. Sam’s talked about maybe getting a plant or putting up the free calendar they got with their purchase from the dog food store but doesn’t seem to ever get around to it, and Dean doesn’t even pretend to settle in. As cliche as it sounds, when push comes to shove neither of them really know how to make a house into a home.

But they’re trying.

They’re trying because everything they did, every hurt and every loss they suffered, they did to get to this place. And never in a million years did they think they’d get this far, or feel this free, and it’s not an easy adjustment. There’s a loss there too, the dream they’d held on to for so long is real, and has gutters that need to be cleaned, and a dog that needs to be walked, and now they have to make up new things to hope for.

And, they’re trying for Jack. Because Jack brought everything back, and everyone, to make them happy. To give them the life they wanted. Sam and Dean know they don’t owe Jack anything but they want to give him something. In some roundabout way they want to make him proud.

They hear through the grapevine that Jack brought Castiel back first. That it was Cas who scooped everyone who wanted to be scooped out of heaven and popped them back into existence outside the bunker, but the angel doesn’t stick around. He’s not at the big spontaneous party that ensues, and he doesn’t show up in the weeks afterward where everyone hangs around the bunker getting their bearings and planning out their new lives.

Most people courteously pretend to not pick up on how cranky this makes Dean, or how often he checks his phone. Except for Bobby who tells him he’s a dumbass in a way that somehow sounds apologetic, and Charlie who gives him a lopsided smile every time they’re in the same room. It makes Dean feel overly seen which he’s not sure he’s ready for, even though he knows they love him, so he’s grateful when people start to go their separate ways. Though there is, of course, an active group chat and almost daily phone calls.

In a dream Jack had pulled them each aside and told them this is it. No do-overs this time. This world is really real, and they’re going to grow old or die trying. Then, just like that, he’s off to his big home renovation in the sky, with a placid smile and a “catch ya later.” It gives everyone a lot to think about, and a very bizarre and specific feeling of knowing God’s phone number.

Sam and Dean decide to leave the bunker, and retire. Maybe temporarily, or maybe permanently, they’re not sure. They collectively decide they need a break, at the very least, and they’ll figure the rest of it out from there. They don’t say it out loud but they don’t need to after so many years: they want to know what the world can look like without the constant pressing fear of death, or their father, or great cosmic importance.

The first house they find with a sweet elderly landlord who accepts suspect money orders and doesn’t do background checks is in St. Cloud. Eileen stays with them for a few weeks and then realizes she can’t do it, domesticity is not the thing she hoped it would be, and returns to the bunker. It makes Sam sad, and a little sullen, but he understands and doesn’t fault her for leaving.

Dean doesn’t bring it up.

—

Sam decides to get a day job to distract himself, and reliably pay their bills without having to scam credit cards or hustle pool anymore. His fake ID says Sam Westen.

Sam Westen has a business degree from a Canadian college no one’s ever heard of and works in insurance billing for the local hospital. He wouldn’t call them friends but his coworkers are pleasant. Not too nosey about why he doesn’t have an accent, or why he lives with his brother at the age of thirty nine.

When they do ask conversationally about how he came to move there, he considers lying and saying his great aunt left them the house when she passed, but he knows from experience these communities are small enough that little lies can come back to bite him in the ass so instead he says, “We’re both trying to get back on our feet after breakups.” In some ways it’s true, and Sam is actually a little relieved to not be making it up.

Finding things in common with his coworkers, or anyone really, is a challenge but he doesn’t hate hearing about the friendly ER nurse’s kid or breakroom speculation about whether or not it’ll snow, as much as he expected he would. One day it sneaks up on him that he can see himself moving forward, and maybe making a life here. St. Cloud is as good as anywhere, really.

He worries he’s compartmentalizing too much though, but he’s not sure how else to adjust to a world that’s not ending imminently. He’s never had to think about global warming before, or a 401K, but he’s doing his best.

—

Dean, on the other hand, prefers to mope.

At night when everything is quiet he can hear the distant sound of cars on the highway from his bed and sometimes it gets too much for him and he’ll take off. Only for a day or two, and always with a note left for Sam on the table or stuck to the fridge. He could text or say something but he’s afraid Sam might try and stop him, or talk to him about his feelings.

Dean’s not stupid, he’s noticed how Sam’s brow furrows at him when he thinks Dean can’t see. They know each other better than anyone else, and Dean can sense there’s only so much time before Sam’s patience runs out and they have a fight or a drunken heart-to-heart or both. Dean’s trying to stretch the remaining time out for as long as he can.

When he leaves, he drives aimlessly. Music loud, just him and the road, like how it used to be in that narrow space before everything happened when Sam was in school and his father had cut him loose. It was lonely at times but the grip of the steering wheel made him feel safe and like he had a purpose, like he was doing things for a reason rather than just wasting time or avoiding his problems, and in a way it still does, so he always comes back to the car, and to the aimless driving.

He figures that if he had been given a different life he still would have wanted to spend it on the road. Maybe he would have been a trucker. Or a door to door salesman, charming lonely housewives into buying vacuum cleaners all over the nation. He knows it’s dangerous to dream about what the past could have been, that it just reminds him that he’s pushing forty-two years old and has no idea what to do with himself, but does it anyway. The other thing about aimless driving is that it has this way of bringing up buried thoughts and forcing Dean to process them, especially when he doesn’t want to.

He tends to think about the same couple of things on repeat. How at this age people are supposed to have families. A kid, a job, something, something. It’s an old wound for him, and he’s gotten tired of rubbing salt in it but there was a time when he wanted a normal life so badly it hurt to even think about. And now, with the possibility laid out for the taking he’s hesitant to pick it up, and that sucks too. He thinks he might be a little jealous of Eileen, figuring out what she truly wanted so quickly and then acting on it. Then he thinks about Lisa, but only for a moment.

He wishes he could become a new, different person. Someone who knows who they want to be, and how to not hurt everyone around him. Because, god, he is so fucking sick of being Dean Winchester.

And, he wishes Castiel would just pick up his goddamn cellphone.

Dean looks through the mirror at the back seat more often than he should, and especially when this line of thinking wiggles its way into his brain. He doesn’t find anything there, doesn’t expect to, but keeps looking anyway.

Dean’s seen glimpses of Castiel mentioned in the group chat, and it’s a relief. Apparently he talks to Charlie sometimes, but only in dreams and only on rare occasions. He’s not much for answering phones or prayers, but according to her seems okay, maybe a little busy helping Jack. She very deliberately mentions that heaven seems to have a minimal interference policy these days, but wants to know if Cas has appeared to anyone in person in a while. Anyone at all.

Dean doesn’t know how to read into the situation. He’s not sure if Cas is avoiding him because he has to, or because he wants to, or because he thinks Dean doesn’t want to see him. For a brief moment Dean had let himself believe that their communication problems were over, now that Cas had come back from the empty. Now that feelings had been spoken out loud, and finally put into concrete terms. Love. Romantic, explicit love. That maybe there was a happy ending for Dean Winchester, somewhere out there. But now he doesn’t know, and isn’t sure if he ever will, not if Cas keeps avoiding him. It doesn’t feel too good to think about.

When his mood starts to take this particular downturn Dean usually finds a bar, hustles pool to pay his tab and drinks for a while to clear his mind. If he gets too drunk he’ll find a motel, or crash in the Impala even though these days it makes his back ache like hell.

But, he’s still the same handsome, charming Dean Winchester and people come on to him often but he can’t bring himself to go home with any of them these days. Sometimes it’s because he’s too old for them. Sometimes it’s because they’re too drunk. When he can’t think of an excuse he slips out the door when they’re in the bathroom. Dick move, he knows.

He likes the steady hum of human interaction, and the freedom of never seeing these people after this night, but that’s it.

Except.

One night, at a biker bar in Lincoln, Nebraska Dean gets whiskey drunk. Feeling chaotic and sad and self destructive he says to the bartender, “I lost someone I loved recently, and I don’t think he’s ever coming back. And I’m pretty sure it’s my own damn fault for feeling like that. But, fuck, I wish he’d come back.”

He’s never said the words out loud like that before. It sobers him up immediately, because he’s in mixed company and who knows what kind of assholes are hanging around looking for a fight. Dean would have left right then and there if the bartender didn’t give him a beer and a shot on the house.

“I’m sorry to hear that,” the bartender had said, and Dean knew he meant it. He was tall but not as tall as Dean, and tan, and thick lipped. Dark blue eyes, a bit of stubble. Terribly similar but not quite right. Still, Dean ended up staying until he was the only one left and halfway blacked out. At the end of the night the bartender had given him a pity handjob in the men’s room and then told him to head out so he could close up.

“But, hey, don’t drive tonight, okay?” he’d said, and that was that.

Before Dean passes out in the Impala he wonders if maybe he reminded the bartender of someone he’d lost, too.

—

Time keeps passing.

They’ve been in the house for nine months. It’s the dead of winter in Minnesota and everyday is somehow colder than the last one.

Sam has a girlfriend now. Her name is Mia, she’s blonde and wirey, has a seven year old kid named Leo and a deadbeat ex named Jonah. She’s a little damaged and rough around the edges but hard working, and smart. An ER nurse with a dark sense of humor, but under it all it’s easy to tell she’s an optimist, even when she has no reason to be. Dean likes her very much, and is happy for Sam.

But, Sam starts spending more time away from the house, and from Dean. It makes Dean feel like one of his organs is missing sometimes, but he resolves to get used to it, for Sammy’s sake.

Sam still gives him sad, searching looks when Dean comes back from a stint on the road, but says nothing. Dean pretends not to notice. They still haven’t had their fight, but the tension is palpable between them.

Dean thinks about getting a job but never follows through. He picks up smoking because, why not, he doesn’t have to keep himself in top hunting shape anymore, then quits. It’s too cold to hang around outside and it makes his lungs feel like shit, besides.

He gains healthy weight, and his cheeks look less hollowed out. He jogs with the dog and lifts weights to pass the time and somehow feels stronger than he used to be, but not as quick. He starts to feel like he’s inhabiting a stranger’s body, instead of his own, and doesn’t like that either.

Occasionally, Sam will gently suggest that Dean go out and meet someone. Download an app, maybe. Try and reach out again to… he never quite finishes the sentence. Sam intentionally doesn’t mention gender and the unspoken encouragement sits heavy and weird between them. Sam’s known for a long time and doesn’t care. He guesses everyone in his life knows, at this point. Dean’s tried to be subtle, with other men, with how he looked at Cas sometimes but it’s hard to keep things like that from the people who love you.

Still, it’s an uncomfortable subject to broach for the brothers, not because of the bisexuality thing but because it requires a level of emotional honesty and vulnerability neither of them have much experience with.

Sam just wants his big brother to be happy, to find someone, and to have something, anything to look forward to. Dean’s had that black mark on his heart his whole life, and Sam doesn’t think he can grieve Dean even one more time, or go through the rest of his life without his big brother to talk to. Not now.

It makes Dean feel guilty, like he’s hurting Sam by not being happy, because Sam is struggling too and worrying about Dean is just another issue on top of a mountain of issues. Besides, Dean is so, so tired of making Sam worry.

But he keeps up his disappearing act. He thinks it would probably be worse for them both if he didn’t.

—

Then, somewhere on the road between La Crosse and Dubuque, Dean sees a man in a trenchcoat standing under a streetlight. Dean stops the car but when he does a double take the man is gone.

It’s dark and Dean is tired so he tells himself he’s seeing things, and continues driving. He does not let himself hope.

—

It keeps happening though.

Small glimpses here and there. In a gas station in Boise, a dive bar in Pecatonica. Never in his car, which Dean is oddly grateful for, if only because he thinks he might be so irritated that he swerves off the road. But it pisses him off, all the same.

Because if Cas is going to come back like nothing happened and start acting like some kind of guardian angel, Dean is not going to play ball.

About a month in, Dean gets fed up and decides to pray. Just a simple: “Where are you?”

He gets nothing back. Life continues as normal. Dean can’t stop himself from feeling a little annoyed about it.

—

Then one day there he is. Poof. Just like that.

The microwave clock says 5:45 AM, and Dean is stumbling in after a long night. The grey-blue of early morning light comes in through the windows and there’s snow falling outside for the fourth day in a row. Castiel is sitting at the kitchen table, waiting patiently in the half-dark.

“Hello Dean,” he says.

Dean pauses, blinks slowly, and then silently walks past the angel and goes into his room to sleep. He thinks he can hear an irritated huff on his way out. Good.

About two hours later Sam shakes him awake.

“Cas is home” He says excitedly. Dean rolls out of bed. Reminds himself to make fun of Sam at a later date.

—

Something strange is happening in Altoona, Pennsylvania.

People are disappearing for days at a time, then reappearing as though nothing happened. The last thing any of them can remember is a flash of bright light over the Mill Run River. Claire is there checking it out and Castiel had been keeping an eye on her, and recently started providing an assist when needed. They’ve hit a dead end with their research.

“Claire suggested I come and ask you, I know you’re not in the game per se anymore but—“

“Aliens?” Sam cuts him off, incredulous. Dean can almost see the gears clicking together inside his brother’s head. “This isn’t the frickin X-files,” Dean kvetches. He’s still mad at Cas but he’s interested in the case, in solving the mystery, and he can’t seem to muster up the energy to make a big deal right now. He hates to admit it but seeing Cas alive and well in front of him replaces most of his anger with relief. Dean wishes dearly that he could reach out and touch him.

Cas nods slowly. “Claire’s been looking into it, but can’t seem to find any relevant patterns. I thought you two might know something.”

Dean puts on a pot of coffee while Sam gets his laptop.

No one says anything about Castiel disappearing on them for almost an entire year, or asks why he decided to show up in person for something that could have easily been a phone call, or even why Claire never thought to tell anyone Cas was spending time with her. But Sam is watching them both with a kind of intensity that makes Dean think he might get a sunburn on the back of his head from the heat of it. Cas doesn’t seem to notice.

The best explanation they can come up with is a Spooklight. A soul trapped searching for a lost lover. Relatively harmless, a standard salt and burn once they locate the bones.

“Huh,” Sam says after he reads the definition out loud. If Dean didn’t know better he’d think his brother sounded a little smug.

Castiel thanks them and then he’s gone. In the distance Dean hears the clink of the seashell wind chimes on the front porch.

“Huh,” Sam says again, this time in Dean’s direction, “I thought there’d be more yelling.”

Dean ignores him and gets himself a breakfast beer, while Sam texts the group chat.

—

Castiel returns occasionally after that, usually with questions about a hunt he could probably answer himself. He’s been keeping an eye on Claire it seems, keeping her safe, though he knows he should just let things take their course like he’s supposed to. But he has some Claire-related guilt to work through, and it’s not like he has to follow any rules in heaven anymore, anyway. He is God’s dad, after all.

At some point Sam asks why Castiel stayed away for so long, and Cas replies simply, “I had thought you might like some time to adjust.” Sam gets a little huffy, but makes Cas promise not to do it again. They are both studiously avoiding Dean’s direction when they talk.

Later, Sam speculates to Dean that Castiel is in the same boat as they are: not fully able to accept everything is over. And, maybe a little bored.

Sam has said “I wish he’d just come home, and stay here,” so many times and in such a pointed way that it makes Dean want to hit him or break something.

More recently, Cas has come by just to say hello, but only ever when Sam is home. Because Sam had specifically asked him to, and Castiel doesn’t like saying no to his friends. They’ll watch TV or talk about Sam’s coworkers and sometimes Castiel will talk about a particularly interesting hunt he’d helped Claire with, and then stop himself, and ask if it’s okay to continue. Both Winchesters listen with rapt attention, and always ask for more details. Cas has met Mia and they get along, he’s even babysat Leo so Sam and her can go to an R rated movie. Mia’s never asked Dean to babysit. When Dean finds out he’s not jealous but he is something.

Dean finds himself staying around the house more in case Cas stops by while he’s out. He goes a whole month without leaving, a record for him. He can tell Sam’s noticed, and is pleased. They still haven’t had their fight.

Castiel continues to pop up in the corner of Dean’s eye from time to time when he’s out, until one day Dean gets fed up and yells “Knock it off!” To a very confused Buffalo Wild Wings employee.

Dean has to tip extra to make up for it and mentally adds it to Cas’ tab. He thinks it’s around a million billion dollars now.

—

It’s early spring, and still unbearably cold outside.

Dean now owns a pair of sturdy waterproof boots that are fuzzy on the inside. They’re so warm that he doesn’t even care that they’re ridiculous and girly. If he’s got to shovel and salt the walkway for the third time that week, he’ll be damned if he’s going to do it with cold feet.

Dean could pretend to be surprised when Castiel pops into existence on their front porch but there’s no point. Almost nothing surprises him, and hasn’t for a long time.

“Dean” Castiel says grimly, “I apologize if I offended you.”

It takes Dean a moment to even remember what Cas is talking about.

“Is this about Buffalo Wild Wings, man?” He asks. He keeps his tone light, like an exasperated joke.

Castiel nods. “Yes.”

Dean exhales loudly through his nose.

“I’ve been keeping an eye on you, to make sure you were adjusting well, but I didn’t realize I was being so… conspicuous,” Cas continues with a head tilt.

Dean doesn’t think this is completely true, Cas can become an invisible wave of celestial intent on a whim but Dean doesn’t want to argue about it.

“It’s whatever, Cas, but you know you can just text me if you want to check in, right?” Dean says carefully, “We’re, ah, we’re friends.” Then, with emphasis, “We’re family.” He knows those aren’t the words he wants to say, and feels a sharp pang at the unhappy look on Cas’ face when he repeats Dean with a nod, “Friends.” But Dean doesn’t know what else to call them. It’s been almost a year of radio silence.

He still wants to get mad, he wants to yell and and throw things and ask Cas what the fuck happened back then, to please just spell out how he feels, but the truth is, Dean’s not sure he’s brave enough to hear the answer. You don’t avoid someone for a year for no reason and it’s all kind of a headache.

Dean realizes belatedly that this is the first time Cas has come to visit when Sam isn’t around to referee. He stands in the snow and wants to tell Cas to stay and watch an old movie with him but can’t seem to find the words so he just keeps shoveling. He thinks about putting his arm around Cas. He thinks about leaning over and kissing him during the closing credits. Then, he feels stupid and embarrassed. He doesn’t need to look up to know Castiel is gone.

About forty five minutes later Dean takes off for the first time in a long while. He forgets to leave Sam a note and wakes up in Minot to five missed calls.

Just another fuckup for Dean to add to his ever growing list of fuckups.

—

Castiel stays away for a few weeks after that, and Dean can’t help himself from taking it out on innocent bystanders. Usually it’s Sam, sometimes it’s dinner plates, other times it’s Jim Beam.

When he finally reappears in the kitchen it’s as smooth a landing as it always is, but Cas seems a little off kilter. When Sam asks about it, Cas brushes him off. Sam doesn’t press the issue, and instead asks about how Claire is doing.

Dean is cooking some eggplant recipe Sam printed out from the internet and pretends not to be listening as intently to their conversation as he is.

Mia and Leo are on their way over for dinner and Dean has the sinking realization he’s been lured into a trap. Cas would never say no to doing a favor for Sam, even if it’s just to pretend to eat during a family dinner. Dean has no excuse. He really should have known something was up when Sam told him to double the recipe and he can’t believe he’s stuck cooking dinner for his own trap. Typical.

Dean gets a beer from the fridge to drink while he cooks.

“Hey, Cas” he says on his way. He cautiously pats Cas on the shoulder.

“Hello, Dean” Castiel replies.

—

Dinner isn’t as awkward as Dean had expected.

Mia tells a grizzly story about an ER case involving a wood chipper and a truckload of watermelons which enthralls Dean. Castiel covers Leo’s ears while she tells it, but nods along, fascinated. Sam’s heard the story before but enjoys the company, and he keeps looking hopefully between Dean and Castiel. Dean pretends not to notice, but some part of him wants to chuck a fork at Sam’s head.

After dinner they eat a fudgy cake Mia had brought and watch a movie about a gruff-yet-socially-inept detective trying to solve his wife’s murder. It’s boring, and Dean’s seen this kind of movie a million times before so he gets a beer and takes it outside to drink. The weather is finally warm enough that the snow’s melted into sloppy mud but cold enough that Dean needs to wear a jacket.

Still, it’s nice to not be stuck inside all the time anymore. Dean thinks he’s officially over midwestern winters.

He’s not surprised when Cas joins him. He has a beer in his hand too, which Dean knows is actually for him. Just keeping up appearances for the unsuspecting humans, as Castiel likes to do, but he’s forgotten to pretend to need a coat. Dean doesn’t bother telling him to get one since Mia is so busy snuggling into Sam’s side that she probably didn’t notice anything.

They sit on the back porch in silence for a while, watching the stars.

After a moment Castiel says, “You know, Dean, I heard your prayer. I’m sorry I didn’t come. I wasn’t sure if you...” he trails off.

“What, in the car?” Dean asks. “That was nothing, no big” he shakes it off like it didn’t put him in a bad mood for a week afterwards.

”In the bar” Castiel corrects, “In Lincoln.”

”Oh,” is all Dean can muster. He’s a little embarrassed Cas saw that but doesn’t let it show.

They’re quiet again, then Cas turns towards him. He starts to say something but Dean shakes his head and Castiel stops.

Dean drinks a few more beers, and then sneaks two fingers of whiskey while Sam walks Mia to her car. Castiel stays by Dean’s side. It feels like old times. They shoot the shit, and Cas even laughs at Dean’s jokes. Dean didn’t realize how much he missed the sound.

Maybe it’s the alcohol or maybe it’s the late hour, but Dean falls asleep with his head on Cas’ shoulder. He wakes up a few hours later hungover and sour mouthed but warm, unnaturally so. Castiel is still next to him. He smiles benevolently down at Dean. Dean smiles back.

He acts on autopilot and presses a chaste good-morning kiss to Cas’ lips, like he always wanted to do. Because this world is real now, and maybe he can do that. Just once, so he knows what it feels like.

Then Castiel disappears, and Dean falls out of the chair.

—

Dean can tell Sam’s disappointed in him when Dean says he fell asleep outside.

“That’s it?” Sam asks “You just fell asleep?” He cocks his head, “Nothing else happened?” “Nope,” Dean confirms, tensely. He hates this conversation deeply. “Oh. Cas didn’t say goodbye, so I thought maybe—“

Sam’s trying to tiptoe around Dean’s own hang ups. Dean can tell he’s really trying.

Dean’s head is pounding as he gets himself a cup of coffee, takes a sip, then says fuck it and pours a bit of whiskey in it too. Hair of the dog and all that.

Sam huffs.

“You’re forty-two years old, Dean Winchester” he snaps. Dean knew this fight was a long time coming, and is honestly relieved it’s finally bubbled to the surface, but the difference between them right now is especially stark. Dean is unemployed, hungover, wearing yesterday’s clothes and drinking in the morning. Sam is ready for work, having already gone for a jog and showered. Dean can smell Sam’s fancy shower scrub from a few feet away. Sandal wood.

Sam gets up and grabs his work bag, says “When are you ever going to grow up, Dean?” But doesn’t wait for an answer. Not like Dean would have one anyway.

Dean pours a little more whiskey into his coffee while he watches Sam pull out of the driveway in his used Ford. He thinks to text Castiel and apologize but then decides not to. He feels like a tool who is ruining everything all the time and totally incapable of changing, and he doesn’t know how to properly convey that in text form without sounding needy or unhinged.

Instead, Dean jerks off in the shower, gets dressed, and writes Sam a note. Then he gets in the Impala and takes off.

He makes it halfway to Bemidji before he breaks down and prays. He stops to piss on the side of the road in some no-name stretch of forest between Bakus and Akeley and when he gets back in the car Cas is there waiting for him in the passenger seat.

“Took you long enough,” Dean teases as he pulls back onto the road, but it’s an act and they both know it. “Dean.” Cas says his name like it’s a warning. Dean knows Cas might bail out at any moment, so he stops kidding around.

It helps Dean to have his eyes on the road while he’s talking. It settles him down, and it’s easier to say what he wants to say without having to make eye contact.

It still takes him a moment to compose himself.

“I’m sorry” he says, “for yesterday, I didn’t mean to upset you. And I don’t want you to disappear on me, on us, again.”

Cas is quiet. They don’t say anything for a long time. And then, sadly: “I was trying to be your friend Dean. I was trying to be family. Friends don’t kiss each other. But I wanted to kiss you, so I thought maybe...”

On a whim Dean turns and starts driving towards Grand Forks. Some lame joke about friends with benefits being totally valid bounces around in his brain but he doesn’t say it. When it becomes clear Castiel isn’t going to say anything else, Dean sighs.

“Listen, Cas, I’m bad at this. You know I’m bad at this. Talking. Feelings. All of it. But,” Dean doesn’t have to look over to make sure Cas is still there but does anyway, “I want to try. With you. For real. If you want.”

Dean can feel Castiel’s stare on him for a long time. He gets nervous so he goes on.

“And. And I wish I had told you how I felt years ago, I wish I had had the chance to-to make you happy,” Dean is glad he’s able to look at the road and not Castiel, “But, fuck, why didn’t you come back?”

“I’m sorry, Dean” Castiel relies, cautiously, “I should have. I thought maybe you wouldn’t want to see me, and I was afraid, but I know now that was stupid.” A bitter pause, “I tried to give you space, to let you move on. And, Dean, you were supposed to move on, and forget me, and be happy.”

Dean’s not sure what to make of that, and doesn’t want Cas to disappear out of the car on him so he reaches over and grabs Cas’ hand in his. It’s warm.

The words don’t come easy so he hopes Cas hears the prayer: I could never, ever be happy if I didn’t have you here.

They keep driving in silence for a long time until Cas says: “Pull over there”, and points at a sign for a roadside diner just off the next exit, “I want French fries.”

This, Dean knows, is bullshit but he does what he’s told.

They eat French fries and drink stale coffee and talk.

On the way back to the car, Dean pushes Castiel up against the side of the Impala and kisses him and doesn’t care who sees. Castiel kisses back this time. Dean feels the happiest he has in a long, long time.

—

It’s the very end of summer and Mia is moving into the brick house with the little fireplace and the big backyard. She’s insisting on painting the walls, and getting rid of the seashell art. She keeps the Bob Ross knockoffs though, says she finds them calming after a stressful work day.

Leo is moving into Dean’s old room.

Sam bought a fold out couch for whenever Dean is back in town, and when they save up he promises they’ll move into a house with a guest room just for him. And Cas. And the dog.

Dean pats him on the shoulder. In exchange, Dean promises to check in with Sam every day, and call if they ever need help with anything. Dean plans to, and misses Sam already but knows it’s time.

Even after two years, everything Dean owns can fit in three duffel bags, one for clothes, and two for weapons. He puts them in the trunk of the Impala and looks up at the house one more time, then gets in. Cas is waiting for him in the passenger seat.

“Where to?” Dean asks. “Anywhere,” Cas replies.

And, so, Dean drives off aimlessly.

[teaspoon-of-salt]

(full article under cut:)

The scariest day of Maria Del Carmen’s life started with a phone call that initially cheered her up.

A native of Mexico, she has spent the last 24 years as a housekeeper in Philadelphia and had a dozen regular clients before the pandemic began. By April, she had three. Food banks became essential to feeding herself and her three children. To earn extra money, she started selling face masks stitched on her sewing machine.

So in mid-August, when a once-regular client — a pair of professors from the University of Pennsylvania and their children — asked her to come and clean, she was delighted. No one was home when she arrived, which seemed like a wise precaution, given social distancing guidelines. What struck her as odd were the three bottles of Lysol on the dining room table. She had a routine at every home, and it had never involved disinfectant.

Ms. Del Carmen started scrubbing, doing laundry and ironing. After a few hours, she stepped outside to throw away some garbage. A neighbor spotted her and all but shrieked: “Maria, what are you doing here?!” The professors and their children, the neighbor said, had all contracted the coronavirus.

“I was terrified,” Ms. Del Carmen recalled. “I started crying. Then I went home, took off all of my clothing, showered, got in bed, and for the next night and the next day, I waited for the coronavirus.”

She never got sick, but she still is livid. At 58 and, by her account, overweight, she considers herself at high risk. That is why she never took off her mask while cleaning that day — diligence she thinks might have saved her life.

“There are a lot of people who don’t want to disinfect their own homes,” she said, “so they call a housekeeper.”

The pandemic has had devastating consequences for a wide variety of occupations, but housekeepers have been among the hardest hit. Seventy-two percent of them reported that they had lost all of their clients by the first week of April, according to a survey by the National Domestic Workers Alliance. The fortunate had employers who continued to pay them. The unlucky called or texted their employers and heard nothing back. They weren’t laid off so much as ghosted, en masse.

Since July, hours have started picking up, though far short of pre-pandemic levels, and often for lower wages.

“We plateaued at about 40 percent employment in our surveys of members,” said Ai-jen Poo, executive director of the alliance. “And because most of these people are undocumented, they have not received any kind of government relief. We’re talking about a full-blown humanitarian crisis, a Depression-level situation for this work force.”

The ordeal of housekeepers is a case study in the wildly unequal ways that the pandemic has inflicted suffering. Their pay dwindled, in many cases, because employers left for vacation homes or because those employers could work from home and didn’t want visitors. Few housekeepers have much in the way of savings, let alone shares of stock, which means they are scrabbling for dollars as the wealthiest of their clients are prospering courtesy of the recent bull market.

In a dozen interviews, housekeepers in a handful of cities across the country described their feelings of fear and desperation over the last six months. A few said the pain had been alleviated by acts of generosity, mostly advances for future work. Far more said they were suspended, or perhaps fired, without so much as a conversation.

Scrubbing a fluffy little dog named Bobby

One of them is Vicenta, a 42-year-old native of Mexico who lives in Los Angeles, and who, like many contacted for this article, did not want her last name used because she is undocumented.

For 10 years, she had earned $2,000 a month cleaning two opulent homes in gated communities in Malibu, Calif. This included several exhausting weeks in 2018, when fires raged close enough to cover both homes in ash. Three times a week, she would visit both houses and scrub ash off floors, windows, walls and, for one family, a fluffy little dog named Bobby.

Vicenta received nothing extra for the added time it took to scour those houses during the fires. She would have settled for a glass of water, she said, but neither family offered one.

“It was incredibly hot, and my mouth and throat were really sore,” she recalled. “I should have seen a doctor, but we don’t have health insurance.”

If Vicenta thought her years of service had banked some good will, she was wrong. Early in May, both families called and left a message with her 16-year-old son, explaining that for the time being, she could not visit and clean. There was some vague talk about eventually asking her to return, but messages she left with the families for clarification went unreturned.

“Mostly, I feel really sad,” Vicenta said. “My children were born here, so they get coupons for food, but my husband lost his job as a prep cook in a restaurant last year and we are three months behind on rent. I don’t know what will happen next.”

Housekeepers have long had a uniquely precarious foothold in the U.S. labor market. Many people still refer to them as “the help,” which makes the job sound like something far less than an occupation. The Economic Policy Institute found that the country’s 2.2 million domestic workers — a group that includes housekeepers, child care workers and home health care aides — earn an average of $12.01 an hour and are three times as likely to live in poverty than other hourly workers. Few have benefits that are common in the American work force, like sick leave, health insurance, formal contracts or protection against unfair dismissal.

‘A treadmill life’

This underclass status can be traced as far back as the 1800s, historians say, and is squarely rooted in racism. Domestic work was then one of the few ways that Black women could earn money, and well into the 20th century, most of those women lived in the South. During the Jim Crow era, they were powerless and exploited. Far from the happy “mammy” found in popular culture like “Gone With the Wind,” these women were mistreated and overworked. In 1912, a publication called The Independent ran an essay by a woman identified only as a “Negro Nurse,” who described 14-hour workdays, seven days a week, for $10 a month.

“I live a treadmill life,” she wrote. “I see my own children only when they happen to see me on the streets.”

In 1935, the federal government all but codified the grim conditions of domestic work with the passage of the Social Security Act. The law was the crowning achievement of the New Deal, providing retirement benefits as well as the country’s first national unemployment compensation program — a safety net that was invaluable during the Depression. But the act excluded two categories of employment: domestic workers and agricultural laborers, jobs that were most essential to Black women and Black men, respectively.

The few Black people invited to weigh in on the bill pointed out the obvious. In February 1935, Charles Hamilton Houston, then special counsel to the N.A.A.C.P., testified before the Senate Finance Committee and said that from the viewpoint of Black people, the bill “looks like a sieve with the holes just big enough for the majority of Negroes to fall through.”

The historian Mary Poole, author of “The Segregated Origins of Social Security,” sifted through notes, diaries and transcripts created during the passage of the act and found that Black people were excluded not because white Southerners in control of Congress at the time insisted on it. The truth was more troubling, and more nuanced. Members of Franklin D. Roosevelt’s administration — most notably, the Treasury secretary, Henry Morgenthau Jr. — persuaded congressional leaders that the law would be far simpler to administer, and therefore far more likely to succeed, if the two occupations were left out of the bill.

In the years that followed, Black domestic workers were consistently at the mercy of white employers. In cities like New York, African-American women lined up at spots along certain streets, carrying a paper bag filled with work clothes, waiting for white housewives to offer them work, often for an hour or two, sometimes for the day. A reporter, Marvel Cooke, and an activist, Ella Baker, wrote a series of articles in 1935 for The Crisis, the journal of the N.A.A.C.P., describing life in what they called New York City’s “slave markets.”

The markets’ popularity diminished in the ’40s after Mayor Fiorello La Guardia opened hiring halls, where contracts were signed laying out terms for day labor arrangements. But in early 1950, Ms. Cooke found the markets in New York City were bustling again. In a series of first-person dispatches, she joined the “paper bag brigades” and went undercover to describe life for the Black women who stood in front of the Woolworths on 170th Street.

“That is the Bronx Slave Market,” she wrote in The Daily Compass in January 1950, “where Negro women wait, in rain or shine, in bitter cold or under broiling sun, to be hired by local housewives looking for bargains in human labor.”

That same year, domestic work was finally added to the Social Security Act, and by the 1970s it had been added to federal legislation intended to protect laborers, including the Fair Labor Standards Act. African-American women had won many of those protections by organizing, though by the 1980s, they had moved into other occupations and were largely replaced by women from South and Central America as well as the Caribbean.

A total lack of leverage

Today, many housekeepers are undocumented and either don’t know about their rights or are afraid to assert them. The sort of grass-roots organizations that tried to eradicate New York City’s “slave markets” are lobbying for state laws to protect domestic work. Nine states have domestic workers’ rights laws on the book. Last summer, Senator Kamala Harris introduced the Domestic Workers Bill of Rights, which would guarantee a minimum wage and overtime pay, along with protections against racial discrimination. The bill has yet to pass, and if it did, labor advocates and historians say it would merely be a beginning.

“It’s important to get a federal bill, but it leaves unanswered the question of enforcement,” said Premilla Nadasen, the author of “Household Workers Unite” and a professor of history at Barnard College. “The Department of Labor is overextended and it tends not to check up on individual employers. The imbalance of power between employer and employee has been magnified by the pandemic because millions of people are now looking for work. And xenophobic rhetoric has made women more fearful of being deported.”

The pandemic has laid bare not just the vulnerability of housekeepers to economic shocks but their total lack of leverage. Several workers said they had clients who would not let anyone clean who has had Covid-19; others know clients who will hire only Covid survivors, on the theory that after their recovery, they pose no health risk. Housekeepers are often given strict instructions about how they can commute, and are quizzed about whether and how much they interact with others. But they have no idea whether their employers are taking similar precautions. Nor, in many cases, are they accorded the simple decencies that are part of formal employment.

“It would be nice to have at least two days’ notice when someone cancels on you, either to let you know or compensate you for your time,” said Magdalena Zylinska, a housekeeper in Chicago who helped lobby for a domestic workers’ rights bill that passed in Illinois in 2017. “I think a lot of people don’t realize that if I don’t work, I don’t get paid and I still have to buy food, pay bills, utilities.”

Ms. Zylinska emigrated from Poland more than 20 years ago and has yet to get a week of paid vacation. The closest she came was in 1997, when a couple handed her $900 in cash, all at once — for work she’d just finished, work she would soon do, plus a holiday bonus.

“The couple said, ‘Merry Christmas, Maggie,’” she said. “I remember counting that money four times.”

[omfgtrump]

This Is It!

This is my last piece before the election. It is hard to believe that an off-the-cuff challenge by a student of mine, who admonished me to “stop whining about the horror of The Don’s victory and do something,” inspired the writing of this blog.

Writing has served two purposes for me: Documenting this disturbing and challenging time, and an opportunity for catharsis, a therapeutic necessity. I needed a way to organize the chaos, create a personal resistance, and get rid of the poison that is The Don.

Honestly, I never thought I would be engaged in this for four years! But here we are, a week before an election with existential consequences. The horror of this presidency and the pathology of this malignant narcissist has led us to an unimaginable place.

The callousness, cruelty, incompetence, racism, misogyny, transphobia, Islamophobia, science denying, pathological lying, criminality, dismantling of our democratic institutions and divisiveness has brought us to the precipice and constitutes a profound reckoning of who we are as a country.

Never did I think that elected officials of the Republican Party would abdicate and acquiesce in an unfathomable display of heinous sycophancy to this amoral man, abandoning any regard for the checks and balances built into the constitution.

Never did I expect an Attorney General to be personal water boy and consigliere for this criminal.

Never have we seen the level of corruption and criminality that has occurred in an administration.

 We now live in a country where 545 children may never be reunited with their parents because of a heinous, inhuman immigration policy. The Don’s comment about it during the most recent debate was: “They are so well taken care of. They’re in facilities that were so clean.” If you are a parent, who has ever been separated from you child for a minute, stop and recall the panic you experienced. I don’t know about you, but that comment enraged me but also sent chills through me. I am surprised he didn’t say it was the Mar-a-Lago of concentration camps!

We now live in a country where a president encourages and supports White Supremacists groups like the “Proud Boys,” thinks conspiracy theories spouted by QAnon are fine (After all, they are against pedophiles!), and has nothing to say when a White militia group is foiled in a plot to kidnap and perhaps execute a sitting governor.

We now live in a country that has become the object of pity all over the world. As I have often said, the idea of American exceptionalism has always been a myth, as we are a country that was built on the original sins of the destruction of an indigenous people and the institution of slavery which we have yet come to terms with. And now, because of The Don’s narcissism, denial of science, cruelness and incompetence, we have created a nightmare scenario in which we have the most cases and deaths from the coronavirus and no real plan to manage it. In other words, we are exceptional in our failure.

To listen to this odious man tell the American people that the end of the pandemic is around the corner, while it rages all over the country (We just recorded the highest amount of cases on any given day and it continues to grow) is enraging. To hear him continue to mock people wearing masks, to see him hold rallies for seniors where there is no socially distancing or mask wearing is deadly, and the work of man the devil would call a friend.

I have said this before and will say it now: The Don is engaging in behavior that will kill people. He’s like the bartender who keeps serving you drinks and then tells you to have a nice drive home.

His need for adulation and attention are all that matter. Human life is cheap.

I recently heard Mary Trump tell a story that says it all. When Don’s grandnephew was born he was a high risk infant needing special care. Soon after the child’s birth, The Don’s father died and a lawsuit was filed by other family members; they claimed The Don had manipulated his father in to changing his will to benefit him. Mr. Vengeance exacted his revenge by cancelling the newborn’s health insurance. (It was restored by a judge.)

Now he and his Republican cronies (through the Supreme Court) are on the precipice of repealing Obama Care in the middle of a pandemic leaving 20 million Americans without healthcare with nothing to replace it because of his grievances against the president who created it.

Four more years will break us, and do irreparable damage to this country. Any hope that we can move forward to embrace the ideals of equality will be destroyed.

The next time we meet, Election Day will have passed. However, there is a good chance the outcome of the election won’t be official for days after. My sense is that unless it is a landslide (and maybe even then), The Don will contest the outcome. Voter suppression is glaringly out in the open, foreign influences are clearly engaged in disruption, and The Don has set the stage for challenging the validity of mail-in ballots.

And while The Don foments and tries to burn down the house, the Princess of Darkness, Ivanka, is campaigning for him, trying to get back some of those suburban housewives (his words) who have decided to abandon him. The Don is so desperate for their return to the fold that he recently pleaded at a rally: “Please suburban women, will you please like me?”.

How quaint. While hospitals overflow, infection rates soar and the bodies pile up, the Princess of Darkness, finds time to get all cozy and talk about ice cream with Wisconsinites.

“I learned that the first ice cream sundae was created in this amazing state!”

You just love your ice cream as “Wisconsinites eat 21 million gallons of ice cream a year.” And do you know that “My children, upon hearing this, want to move to Wisconsin. So, the Kushners might be coming to town!”

When The Don loses, my hope is that he and his fellow family of criminals will go to jail. But if not, maybe they will be banished to some small rural Trump world town, and be forced to drive a Mr. Softee Truck.

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[omgjasminesimone]

Tequila Sunrise Epilogue

Previous Part: Part IV

Bonus Part: Soap Box Derby

Logan x MC

Author’s Note: Couldn’t stop myself from writing an epilogue. I just can’t let go of Ride or Die. And we all know Logan would do the most as a Dad. Like, just completely over the top.

Summary: Logan and Ellie have a baby.

Word Count:  1900

“Un pez” Logan turns the page,  “dos peces…”, turns another, “pez rojo….pez azul…..”

Ellie rolls her eyes and tries to tune him out,  grabbing the remote from the nightstand and turning up the volume on the Real Housewives of Orange County. She shifts a little, trying to find a comfortable position in bed. Logan continues to read the Spanish children’s book quietly to her full-term baby bump as she turns onto her side. He hopes this early exposure will make their son bilingual.

Logan has really taken to this whole fatherhood thing. He’s read every parenting book available from the LA library system, refusing to buy the books since he’s also really into saving money for the college fund he’s already started for their son. He cooks for her daily, making sure she gets all the nutrients necessary for the baby. He won’t let her have caffeine, since he read somewhere it’s bad for the baby. She thinks this is overkill, and drinks caffeine at her dad’s house while Logan is at work.

After taking the plea deal and arriving in Los Angeles three months ago. it had been difficult for Logan to get a job. Disclosing his felon status on job applications resulted in almost no calls for interviews. He settled for construction work at first so they wouldn’t be completely dependent on their savings, but Logan knew he needed something with health insurance benefits for his very pregnant wife. A month ago, he had finally landed a full-time position as a used car salesman. He works for commission, but the job comes with health insurance. And with his charm and knowledge about cars, he’s doing very well commission wise.

Now with more time on his hands without having to job search, he’s thrown himself even more so into the baby. And honestly, it’s starting to get on Ellie’s nerves. She especially hates when he reads to her stomach. Ellie loathes being pregnant. She constantly feels sick, she has to pee all the time, and she despises how every time she goes anywhere everyone wants to rub her belly. She feels like an incubator. Sometimes, Ellie just wants to be alone. But Logan is constantly all over her, well not her really, all over the baby which just so happens to be inside of her. She can’t help but think all the attention he lavishes on the baby is part of the reason he refuses to come out. She’s two weeks past her due date and she wants this baby out more than she’s ever wanted anything.

She’s hormonal and irritated, and that makes her want to snap at Logan when he’s being annoying, like right now. She takes a deep breath, reining in her irritation and reminding herself where all this is coming from with Logan. He had a really shitty childhood. Mom in jail, unknown father, bouncing from foster home to foster home before he ran away at twelve. Forced to turn to crime just to get by. His life was the opposite of the kind of perfect he’s trying to build for their child. No one would have even thought to read to him while he was in his mother’s belly. No one loved him, wanted him, like he loves and wants this child.

“…en cualquier lugar.” Logan finishes the story, kissing her bump after setting the book aside. His stubble tickles, but she stops herself from complaining. “Te quiero.” He promises, kissing her belly again. He reaches for the pregnancy belly headphones, one of his only financial splurges over the last couple of months, turning on classical music and placing them on.

“And you…” He scoots up to the bed until they are face to face. “Te quiero.” A kiss to her neck. “Te adoro.” A kiss to her forehead. “Te amo.” He captures her lips, deepening the kiss after a moment and tugging at her sleep shorts.

She pulls away, rolling onto her back. “I don’t understand how you could possibly want to have sex with me right now. I look like a beached whale.”

“I think you’re glowing. You’re so beautiful Ellie.” Logan insists.

Ellie rolls her eyes. “Liar.”

“Hey.” He grips her hand, gently tugging her back onto her side so they’re facing each other. “I told you in that underground casino, no more lies.”

Ellie smiles, kissing him softly before pulling away again. “Sorry, I know it’s been a while…but I’m just not in the mood. I’m so ready to not be pregnant.”

“No worries, I can wait. But sex can induce labor, you know.”

Ellie contemplates that. She’s tried basically everything else at this point. Spicy food, exercising, acupuncture, the list goes on. “Well, trying can’t hurt.” She admits. Logan grins, slipping a hand into her panties.

“You’re so wet babe.” Logan observes. His brow furrows. “Like….really wet.”

Ellie sits up, shifting over in bed. A dark puddle is revealed where she had been lying. “I think my water broke.” She sounds calmer than she feels.

Logan immediately springs into action, leaping from the bed and changing from his pajamas into jeans and a t-shirt.  “Okay, time to follow our birth plan. Babe, where’s the birth plan? I gave you the binder, right?”

He had written up a 100-page document, even going as far as laminating the pages. Ellie had promised to read it, but had accidentally left it at Riya’s house 2 months ago and forgot to pick it back up. She had wanted to show Riya how out of control Logan was, but her best friend just thought it was cute.

“Oh that, I think I left that at Riya’s.” She confesses.

Logan frowns, “You read it though, right?” Her guilty look must answer his question, because he looks very disappointed. “That’s fine.” He mutters, going to the closet for the hospital bag he packed a month ago.

“Logan.” Ellie calls after him.

He returns with the bag. “What?”

She takes his face in her hands, stretching up on her tip toes to kiss him. “Calm down. Everything is going to be fine.” She assures when she pulls away.

Logan pulls her into a soft hug, kissing the top of her head. “Let’s go have a baby.”

…

..

.

“Logan, you’re driving so slow.” Ellie complains, sitting in the backseat with their newborn. She gently traces a finger over Gage’s soft cheek as the baby continues to slumber peacefully in his car seat. Logan had spent a full hour strapping him in before being convinced that the straps were comfortable, but tight enough.

“These maniacs are driving way too fast. I’m in the slow lane.” Logan counters, ignoring the car honking behind them.

“You’re going 30 miles per hour. On the freeway. I think it’s actually illegal to drive this slow. You’re disrupting the flow of traffic.” Ellie explains. This is quite the 180 degree change from how he drove her to the hospital, dangerously weaving through traffic at speeds averaging 90 miles per hour in his familiar Devore GT.

Logan speeds up to 50 miles per hour. “Happy?” He asks.

Ellie smiles at Gage as he gurgles. “Very.”

Eventually, they pull up to their apartment complex. Ellie spots her dad’s car in the parking lot. He had met them at the hospital, excited to witness his baby having a baby. Detective Wheeler insists on staying with them for the first week of Gage’s life, helping the helpless first-time parents. Logan isn’t thrilled about it. The relationship between the two is still awkward, with too much bad history. They tolerate each other for Ellie’s sake, and now for Gage’s sake too.

The Wheelers (Logan took Ellie’s last name when they eloped in Las Vegas three months ago. It’s untraditional, but his own last name didn’t mean much to him. This feels like a fresh start. Like a new family, a real family. Plus, Detective Wheeler seems to be happy that the baby will carry on the Wheeler name and Logan needs every point he can get with his father-in-law.) enter their apartment for the first time as a family of three.

“Dad?” Ellie calls out, knowing her dad knows where the spare key is hidden and likely let himself in. He appears from the kitchen, tossing an apron off as he immediately reaches for his grandson. Logan hands their son over, and Detective Wheeler beams as he coos at the small bundle of joy. Ellie smiles at the sight, her heart so full of joy. She turns to kiss her husband, but Logan turns his head, causing her kiss to land on his cheek. She frowns. He’s always super weird about being affectionate with her in front of her dad. Maybe it’s because the last time Detective Wheeler saw them kissing, he pulled a gun on Logan.

“I made the Ellie special honey. I figured you might be hungry for real food after all those hours of labor.”

Ellie’s mouth immediately begins watering, rushing into the kitchen for the waffles she craves. That leaves the Wheeler men, all three of them now, alone.

Logan shifts uncomfortably, itching to follow Ellie out of the room. “He looks like you.” Detective Wheeler comments, examining his grandson before looking at his son-in-law.

“Really? I see Ellie.” Logan replies, looking at Gage’s features.

“He’s got Ellie’s eyes, but the rest of him is all you.” Detective Wheeler insists. There’s a moment of silence before Detective Wheeler continues. “You know Logan, you’ve proven me wrong.”

“Huh?” Logan asks.

“When Ellie told me that she was pregnant, and that you were the father, I told her she’d be better off without you. That you couldn’t take care of her, or the baby. That a criminal can’t really go straight. That it would never work.” Detective Wheeler had been looking at Gage, but now he looks at Logan. “But you’ve got a good, legitimate job. You were so attentive during the pregnancy. I can tell how much you love my daughter, and now my grandson. You’re a good man Logan, and I’m proud to call you my son-in-law.”

Logan stands, stunned. Completely unused to any type of paternal praise. He clears his throat, and when he finally speaks it is full of emotion. “Thank you. I hope to never let you down, to never let Ellie or Gage down.”

Detective Wheeler smirks. “You won’t.” He pauses for a second before continuing, bouncing his grandson lightly in his arms.  “But if you ever do, you’ll have a lot harder time hiding from me than you did from the FBI.”  

…

..

.

Gage’s crying comes through the baby monitor, waking Ellie from the light slumber she has just managed to fall into. She groans. She feels like she has gotten maybe 5 hours of sleep in the two weeks since Gage was born. She nudges Logan roughly. “It’s your turn.” She informs him.

Logan groans, slowly forcing himself out of bed. He sleepily searches for his slippers, dragging his feet down the hall to the nursery.

The crying quiets, and Ellie can hear Logan speaking quietly to their son through the baby monitor.

“I didn’t know I could love somebody this much…this fatherly love is really something else. It makes Mommy’s dad pulling a gun on me make so much sense.” Ellie chuckles a little at that, starting to drift back to sleep. “Makes me wonder how any parent could let their kid go into the foster care system.” Logan pauses, as if composing his thoughts. “I wouldn’t give you up for anything Gage. I’ll always be here for you. And for your mother. I promise.”

…

..

.

Taglist: @choicesarehard @ifyouseekheart @brightpinkpeppercorn @powdesiree0816 @regina-and-happiness @choicelogansbitch @flyawayboo @fairydustandsarcasm @alesana45 @umiumichan @maxwellsquidsuit @professorortegasstudent @god-save-the-keen @mrsmckenziesworld @paisleylovergirl @iplaydrake @sinclaire-made-me-sin @sibella-plays-choices @hazah 

[familyraksha]

Introduction

As a housewife, your contribution to your family is invaluable. While you take care of the home and loved ones, it's essential to ensure that your family's financial future remains secure, even in your absence. Term insurance tailored for housewives offers the protection and peace of mind you need to safeguard your family's well-being.

Understanding Term Insurance

Term insurance is a type of life insurance that provides coverage for a specified period, known as the term. In the event of the policyholder's demise during the term, a lump sum amount, known as the death benefit, is paid out to the nominee. This financial cushion helps cover expenses and maintain the family's standard of living.

Challenges Faced by Housewives

Housewives often face unique challenges, including financial dependency and lack of independent income. In the unfortunate event of their demise, the financial burden on the family can be overwhelming, making term insurance essential for providing security and stability.

Importance of Financial Protection

Financial protection is crucial for every member of the family, including housewives. Term insurance ensures that in the event of an untimely death, the family's financial needs, such as daily expenses, children's education, and outstanding loans, are taken care of without any strain.

Tailored Solutions for Housewives

Recognizing the specific needs of housewives, insurance providers offer tailored term insurance plans designed to address their unique requirements. These plans offer comprehensive coverage and additional benefits to suit the lifestyle and responsibilities of housewives.

Features of Tailored Term Plans

Tailored term insurance plans for housewives come with various features, including flexible premium payment options, coverage for critical illnesses, and waiver of premium in case of disability. These features ensure comprehensive protection and peace of mind for housewives and their families.

How to Choose the Right Plan

When selecting a term insurance plan for housewives, it's essential to consider factors such as the coverage amount, premium affordability, additional benefits, and claim settlement ratio of the insurer. Conducting thorough research and comparing different plans can help you choose the one that best fits your needs.

Application Process

Applying for term insurance for housewives is a straightforward process. It involves filling out an application form, providing necessary documents such as identity proof and address proof, and undergoing medical tests, if required. Online application options make the process convenient and hassle-free.

Premium Calculation

The premium for term insurance plans for housewives is calculated based on factors such as age, health condition, coverage amount, and policy term. Insurance providers offer premium calculators to estimate the premium amount, making it easier for housewives to plan their finances accordingly.

[marcjampole]

Mainstream news media created the conditions in which a bottom-feeder like Trump could thrive by focusing on celebrity culture to encourage conspicuous consumption

AARP the Magazine is thus a small part of the giant propaganda machine that created the celebrity culture that created Donald Trump. It took from the first stirrings of consumer culture in the 1890’s until the 21st century for the focus on celebrity to pollute our marketplace of ideas enough for a toxic algae boom like Donald Trump to emerge (with apologies to algae blooms worldwide!). But unlike cleaning up the environment, saving our political discourse is conceptually easy—all the news media has to do is dedicate more of its feature coverage to those whose accomplishments can’t be measured by money made or spent, and cease to cover every issue like a reality show featuring celebrities. Not one big action, but a bunch of little actions are needed to stem the tide of celebrity culture. AARP could do its part by working into the mix a healthy share of scientists, historians, civic leaders, activists and literary figures into Big5-Oh and other parts of the magazine.

Those seeking to put the Trump phenomenon in a broader context will usually point out that his rhetoric and actions typically stay within the margins of 21st century Republican thought, especially as it concerns taxes, regulation, healthcare insurance, women’s health issues and white supremacy. Sometimes Trump has extended those margins with more outrageous versions of standard Republican fare. Others label Trumpism as the American version of the movement throughout the West to embrace ultranationalist, anti-immigration autocrats.

As insightful as these analyses are, they miss Trump’s cultural significance. Not only does Trump represent the bitterly racist and classist endgame of Ronald Reagan’s “politics of selfishness,” he also is the apotheosis of our cultural decline into celebrity-fueled consumerism. Remember that in the real world, Trump was a terrible and unethical businessperson who drove companies into bankruptcy six times; had at least a dozen failed business ventures based on his most valuable asset, his brand name; lost money for virtually all his investors; often lied to banks and governmental agencies; and has been sued by literally thousands of people for nonpayment or breach of contract. 

But while Trumpty-Dumpty was engaging in a one-man business wrecking crew he managed to get his name in the newspaper for his conspicuous consumption, his attendance at celebrity parties and his various marriage and romances. His television show was a hit, which reaped him even more publicity. But make no mistake about it, before he started his run for political office by promoting the vicious, racially tinged lie that Obama hails from Kenya, the public recognized Trump primarily for the attributes he shared with the British royal family, the Kardashians, Gosselins, Robertsons, the housewives of New Jersey, Atlanta, South Beach and elsewhere, Duane Chapman, Betheny Frankel, Paris Hilton and the rest of the self-centered lot of rich and famous folk known only for being rich and famous and spending obnoxious sums of money.

Trump’s celebrity status always hinted at his master-of-the-universe skills in business and “The Apprentice” never missed an opportunity to reinforce that false myth. Thus, whereas the business world recognized Donald Trump as the ultimate loser, celebrity culture glorified him as one of the greatest business geniuses in human history. It was this public perception of Trump—completely opposite of reality—that gave him the street cred he needed to attract unsophisticated voters. Trump is completely a creation of celebrity culture.

When we consider the general intellectual, moral and cultural climate of an era—the Zeitgeist, which in German means the “spirit of the age”—we often focus on defining events such as presidential assassinations, Woodstock, the moon landing, 9/11, the election of the first non-white president. But a Zeitgeist comprises thousands upon thousands of specific events, trends and personal choices. 

Which brings us—finally—to the subject of this article, AARP the Magazine, the semi-monthly slick magazine of the American Association of Retired People (AARP). The magazine usually uses celebrities and celebrity culture to give tips on personal finances, health, careers, relationships, retirement and lifestyle to its members, people over the age of 50. Because AARP membership rolls is so enormous, I have no doubt that AARP is one of the four or five most well-read periodicals in the United States.

Now AARP the organization must have many qualms about Trump and Trumpism. Trump has already rolled back consumer protections that prevent seniors from being taken advantage of by both big businesses and small-time con artists. Trump is vowing to dedicate his second term to cutting Social Security and Medicare, two programs of utmost importance to the well-being of AARP’s members. The leadership of AARP certainly understands that Trump’s cruelly aggressive effort to end immigration from non-European countries is the main cause for the growing shortages of the home care workers so vital to many if not most people in their final years. They must also realize that a tariff war affects people on fixed incomes the most.

What AARP leaders—of the organization and magazine—show no signs of understanding is that they played a role in creating the monster. The focus of AARP the Magazine and the other AARP member publication on promoting celebrity culture helped to create the playing field that Trump dominates—that shadow land of aspirations for attention and materialism in which all emotional values reduce to buying and consumption and our heroes have either done nothing to deserve their renown or have worked in the mass entertainment industries of TV, movies, sports and pop music.  

As an example of how celebrity culture permeates and controls the aspirational messages of AARP the Magazine, let’s turn to the feature on the last page of every issue, something called “Big5-Oh”: Big5-Oh always has a paragraph story with photos of a famous person who is turning 50 sometime during the two months covered by the issue. The bottom third of the page consists of one-sentence vignettes with head-and-shoulder photos of famous people turning 50, 60, 70 and 80. The copy typically describes something the famous person is doing that demonstrates she or he is continuing to thrive and do great things despite advancing age.

I’ve seen Big5-Oh in every issue of AARP I have ever read, and I have perused each issue for about 18 years. And in every issue, the famous people mentioned are virtually all celebrities, by which I mean actors, pop musicians, sports stars and those known only for being known like the Kardashians and Snooki. Only quite rarely a film director, popular writer or scientist sneaks in.

The latest issue, covering August and September 2019 exemplifies the celebrity-driven approach that hammers home the idea that only celebrities matter (since it’s only their birthdays and ages that are seemed worth memorializing). The featured person turning 50 is Tyler Perry, an actor and writer-director. The smaller features include four actor, Catherine Zeta-Jones, Jason Alexander, Richard Gere and Lilly Tomlin, plus the athlete Magic Johnson and the rock star Bruce Springsteen.

Not one scientist, not one historian or sociologist. Not one civic leader, politician, physician, novelist, poet or classical or jazz musician. No astronaut, architect or engineer. I did a little cursory research to come up with a reconceived Big5-Oh for August and September 2019: The big feature, always about someone turning 50, could be the chess player Ben Finegold, the best-selling but much scandalized popular writer James Frey or the filmmaker Noah Baumbach. That’s pretty much a wash with Tyler Perry. If I were editor of this feature, I would probably still pick Tyler Perry over this competition. 

But when we get to people who turned 60 and 70 during these months, you realize how much celebrity culture guided the editor’s choice of subjects: ignored are the designer Michael Kors, the current governor of Virginia Ralph Northam, the distinguished Spanish filmmaker Pedro Almodovar, the even more distinguished journalist James Fallows, the important literary novelists Jane Smiley, Martin Amis and Jonathan Franzen, the leader of the Irish Green Party, astronaut Scott Altman and Beverly Barnes, the first woman to captain a Boeing 747. All these people are non-celebrities and all have made more significant and lasting contributions to America than the people the column’s editor selected, with the possible exception of Magic Johnson and Bruce Springsteen. 

What’s more significant, though, is including some of these people instead of all celebrities would make an important message about what we value in our society. It would say that we honor the intellectual contributions of our writers, scientists, knowledge professionals and civic leaders. The fact that AARP always selects celebrities for Big5-Oh and tends to build other stories and features around celebrities makes the opposite message about value—that all that matters is the gossip surrounding celebrities and the promotion of celebrity culture.  

Now AARP shares the blame for our culture’s emphasis on shallow consumerism and superficial celebrities with many of our cultural organizations and educational institutions. For example, the political reporting of the mainstream media reduces all political discourse to celebrity terms—name-calling, who is feuding with whom, who’s winning in the polls, the skeleton-closet scandals of the candidates’ families, which celebrities love and hate them, zingers and misstatements, the candidates’ theme songs and other main themes of celebrity culture. Notice that Trump is as much a master in these endeavors as he is an inexperienced and ignorant buffoon in matters related to governance such as policy, history, the inner workings of the government and the scientific research informing governmental decisions. Note, too, that based on how much ink and space is given to endorsements by the media, in the hierarchy of value, celebrities rate above elected officials who rate above unions, business and scientific organizations and luminaries in fields other than entertainment. 

[sarahcadiz-blog1]

Three Factors To Consider Before Buying A Suitable Life Insurance Cover

When you want to protect your family with the right life insurance cover, you need to keep certain factors in mind. Here are three of the most important ones to remember

A life insurance cover is the smartest way to protect your family in the event something unfortunate befalls on you. Should something happen to you (assuming you are the policyholder), the nominee will get the sum assured as mentioned in the policy.

That said, many buy life insurance policies for the additional benefits of tax rebates and also as a means to secure their financial freedom in their old age, which should ideally not be the case.

While the reasons for investing in life insurance are plenty, buying the right one could become a bit tricky. Here are a few factors you could keep in mind while choosing the one most suitable for your life insurance needs.

Don’t Buy Just To Save Tax

Many a time, people factor a life insurance policy only as a tax-saving tool. However, the core objective of a life insurance cover isn’t tax-saving, but protection. A life insurance plan is designed to provide the dependents of the policyholder financial assistance in case of his/her sudden demise. In fact, this plan includes financial protection against three important factors – death, disease, and disability.

“Post the pandemic, people have started realising the need for life insurance policies that act as a safety net in case of the untimely death of the sole breadwinner. To cater to this demand, several insurers have introduced innovative products. One such product is the term insurance for homemakers by Max Life insurance. Under this plan, housewives can purchase term insurance on their own without being linked to their spouse’s life insurance policy,” says Sajja Praveen Chowdary, business head-term life insurance, Policybazaar.com

Additionally, there is an array of plans available in the market today that offer coverage for whole life or up to 100 years. Until a few years ago, the only drawback of the term plans was that the policyholder did not get anything if he/she survived the term. However, the new-age plans offer a return of premium that is beneficial for the policyholder as it pays back all the premiums paid if the policyholder outlives the policy.

Consider Your Life Stage

Life insurance is one of the most important expenditures that you can make to stay financially secured in all stages of life. It supports your long-term goals and even helps to meet the future needs of your dependent family, especially in case of any unforeseen events.

That’s why, in order to keep up with the changing financial needs, it becomes that much important to review the coverage as you age.

The ideal way to go about it is to buy a life insurance plan at an early age when you are physically healthy and the premiums are relatively low.

“Waiting to get life insurance in your mid-30s can sometimes prove to be a wrong decision –when you are starting a family and have other liabilities, too. This means that you will have to buy a plan with higher coverage that can cover possible expenses of your family, and you will also end up paying a higher premium. For example, if you are married and have two children and dependent parents, you should buy a cover of at least Rs 1 crore,” adds Chowdary.

Get Adequate Cover

There are several factors to consider while estimating the ideal life insurance cover. In case you have debts, it would be difficult for your family to pay the equated monthly instalments (EMIs) in your absence. Then there are other factors like your children’s higher education or wedding, for which you need to keep sufficient funds aside. Then there is inflation, which might make it difficult for your family to maintain their current lifestyle, in your absence.

Therefore, you need to take certain facts in consideration before choosing the right insurance cover.

You need to find the total of your family’s annual expenses multiplied by the number of years for which income replacement might be necessary. Then, you need to find out the total amount of your outstanding debts and the cost of repaying mortgages, if any. You also need to figure out the amount you need to set aside for future expenses, like your child’s education, wedding, etc. From these expenses, you could deduct the sum of your liquid assets like cash in hand or bank, and any other kind of investments to arrive at an adequate life insurance cover.

#lifehealthadvisors #areteautomation #financialfreedom #retirementplanning

Credits: Meghna Maiti

Date: June 17, 2022

Source: https://www.outlookindia.com/business/three-factors-to-consider-before-buying-a-suitable-life-insurance-cover-news-202859

[williamsreysblog]

Best Insurance Company in Dubai

Among the insurance companies in Dubai, TMNF is among the oldest and most trusted ones. With more than a century of experience, TMNF is passionate about administering and catering to the needs of its customers. They also have a thriving online insurance portal to make the process easy for customers. Whether you're looking for home insurance, car insurance, or travel insurance in Dubai, TMNF offers the best insurance in Dubai.

Tokio Marine & Nichido Fire Insurance Co. Ltd., founded in 1879, is one of the world's leading insurance companies with headquarters in Japan. Their insurance products are among the most comprehensive and provide exceptional customer service. This company is a leading provider of health and life insurance. The company is also one of the largest insurance providers in the world, providing comprehensive health and life insurance solutions.

TMNF's premium income has risen steadily over the past several years. While excluding compulsory automobile liability insurance, TMNF's domestic business has a five-year combined ratio of 95.5%. Its international business has a small decline in profit for the fiscal year 2020, but AM Best expects the business to return to profitability over the long term.

TMNF offers a wide range of benefits, including flexible cover options and coverage for up to AED a million. Furthermore, it offers 24/7 customer support, easy online claim reimbursement systems, and a healthcare card. Whether you're looking for a term or critical illness insurance policy, TMNF is the best insurance in Dubai. It's also easy to use and has an extensive network of medical providers.

Tokio Marine & Nichido Fire (TMNF) is the largest non-life insurance company in the UAE. Its insurance products cover the whole spectrum of needs, from car insurance to home insurance. From health insurance to travel insurance, TMNF's extensive network of medical care centers provides services to families and individuals of all ages. TMNF is the best health insurance in Dubai. And it's affordable.

Besides, TMNF offers a wide range of benefits for its customers. It's important to compare quotes and choose a plan that suits your needs. There are also many other insurance companies in Dubai. In fact, TMNF offers the most flexible insurance plans in the city. The benefits of TMNF car insurance are many and include low premiums. Additionally, a number of its policies can be purchased online, saving you time and money.

TMNF is a leader in the UAE's insurance industry. The company offers coverage to both individuals and companies, and government organizations. In addition to a wide range of policies, TMNF is the best insurance in Dubai for individuals with salaries of up to AED 20000 per month.

Benefits of Insurance

There are many benefits of insurance. The most obvious benefit is the protection of your assets. It's easy to forget your greatest asset, but your life, and the future of your loved ones, are worth insuring. An insurance policy can provide financial security during your lifetime and help you focus on your job.

It also encourages regular savings. In the case of a life insurance policy, you can raise the amount or mortgage it if you're having trouble meeting your monthly payments. Some insurance policies offer tax benefits. In addition to these advantages, you also have to consider the social burden of uninsured persons.

In addition to protecting your assets, insurance provides employment opportunities. There have been many private insurance companies that have risen in recent years, which has led to more people finding a way to earn a living. In addition to students and housewives, these insurance companies have also expanded their business and create jobs for those who are unemployed. The benefits of being insured are multiple.

First and foremost, it helps you manage your cash flow. Second, it eliminates the uncertainty of paying out of pocket if you suffer a covered loss. Third, it fulfills contractual and statutory requirements. Lastly, it gives you proof of your financial capacity. If you want to enjoy the benefits of insurance, get one non-life insurance policy from Tokio Marine & Nichido Fire Insurance Company.