#the fact that he is charging us less than the extremely high rent prices in the area over our heads like the sword of damocles but anyways I

[corset]

It’s warm in my room in January. This is inhumane

[quarantined-with-bucky]

American Boy

Bucky x Reader

Request: So basically buckyxreader where she is a super successful businesswomen and awfully confident but when she’s with bucky she feels insecure as many women want him and she’s insecure of nat. Based on “American Boy” by little mix where bucky is her american boy and the other girl in the song is nat. So like angst with a happy ending (maybe smut if you’re comfortable idk idk).

Words: ~ 9,700

Summary: Dating Bucky can be challenging sometimes -- all the time.

Warnings: Smut, angst

A/N: Sorry this took me so long :( I recently started work so its been hard to write -- but I’m really happy with how this one turned out!! Thank you so much for the request!

And I met him back when I was out in California He was playing in a band and she was dancing on a stage And he says that I'm the one but she's the one that got away And he never knew her real name

Nothing about tonight sounded mildly comfortable. It was going to be six hours in a too cold banquette hall, standing all night in too tall heels, a too tight dress, with your hair scraped back into a too painful bun. From the moment you stepped inside, the flesh on your arms and décolleté erupting into goosebumps – nothing a little alcohol can’t fix, you thought to yourself, snagging a glass of champagne off of the tray from the first waiter you saw.

“Y/N,” Tony called, opening his arms to greet you. His suit was perfectly pressed, a three-piece suit that cost more than twice your monthly rent. You walked up to him, giving him a side hug, checking yourself out in the reflection of his iconic red glasses. “See, I knew you’d come.”

You rolled your eyes playfully, remembering how for the past week you’d declined his numerous invitations to his party. “I hope you know that I’m charging you overtime for this.”

“I’d expect nothing less.” He ushers you away while he continues mingling with his other guests.

Never in a million years had you thought you’d be an A-list guest at one of Tony Stark’s infamous parties. But, as fate would have it, you and Tony had been working together quite a bit in the recent years. What began as a little start-up from your college dorm room, quickly grew into a multinational billion-dollar company. Stark industries contracted your company out to spearhead multiple new projects – including the development of high-tech equipment for the Avengers. You had many ventures, sectors growing from technological advancement, to biometrics, to teams specializing in law, advertising, and operations.

The past few years had been a whirlwind for you. Moving to New York, managing your ever-growing company – up until now your life had been all work and no play. Once you met Tony, you knew that your world would flip upside down. You’d been in Forbes 30-Under-30 list for three years straight. Your life had grown into nothing but interviews, business deals, and fame – and you loved it. You felt like you were on top of the world at this moment in your life; nothing was going to stop your forward momentum from climbing up the ladder.

“Hey,” a smooth voice pulled you out of your fog, a figure popping up next to you.

“Hey, Steve,” you responded, smiling up at the blond man.

“You having a good night?” You’d met Steve a handful of times before through Tony, working with him a few times in the past. You don’t know if you could outright call him your close friend, but Steve was always so kind.

You could should be using tonight as a networking opportunity, but after an extremely stressful week at work, all you wanted to do was crawl into a bubble bath and relax. You couldn’t do that, so you thought you’d at least try to let loose and take it easy tonight, hoping to catch up with friends and enjoy some time partying. “I guess,” you shrugged, taking another sip of champagne.

“That makes two of us,” he replied, taking an equally long sip of his drink. “It’s hard to lay low at Tony’s parties, y’know?”

“Its hard to lay low when you’re Captain America,” you joked, nudging his arm with your elbow. He rolled his eyes again, running a hand through his short blond hair.

Your eyes scanned over the crowd, trying to find something worthwhile to talk to Steve about: maybe about the couples dancing in the center of the room, the large crowd gathered at the bar, the performers that laced their way through the influx of people. Your gaze fell upon a smaller group of people gathered around a table, laughing, telling stories and interrupting each other with more tall tales. You only recognized a couple people in the group; Sam Wilson: tall, well-built, perhaps a little tipsy, chirping away with his witty comments; Natasha Romanoff: a goddess, quiet, watching, observing, black dress so tight on her beautiful figure it looked like it was painted on; Bucky Barnes: the epitome of tall dark and handsome, at the forefront of the conversation, laughing and cussing telling his sensational war story, dark tendrils of hair hanging loosely in front of his face, obstructing the view of his blue eyes.

“Have you met Bucky?” Steve asked, interrupting your thoughts. You shook your head ‘no,’ unable to tear your eyes away from him. His black suit was complemented quite nicely with a fitted black shirt, the top buttons undone, his tanned muscle peaking out. He ran his metallic hand through his long hair – you finally were able to see his eyes, the only color on him, so bright compared to their dark surroundings. And they were looking at you.

Tearing your eyes away from him, you turned your head up to Steve. He was watching Bucky, watching him looking at you; Steve’s head turned between the two of you, almost unable to stop the smile from pulling at his lips. Steve pulled you into the group, making space for you to stand between him and Bucky. As introductions were passed around the group, you felt eyes on you. This time, the set of green eyes.

Out of the corner of your eye you noticed Natasha give you the up and down a few times. Your first reaction was that it wasn’t in a bad or necessarily judgmental way; she was interested in who the outsider was. She was protective, it was instinctual; she would observe said outsider, finding all of her flaws, quirks, secrets, until she was certain she wasn’t a threat. When you were introduced to her, she politely flashed you a smile with her infamous painted red lips and shook your hand.

“(Y/N), this is Bucky,” Steve finished, watching eagerly as the two of you shook hands and exchanged smiles.

“(Y/N),” Bucky whispered, your name tasting sweet on his lips; he tipped his head ever so slightly towards you in greeting.

“Nice to meet you, Bucky.”

Everybody took the hint – that hint being Steve wiggling his eyebrows at everyone – and the group dispersed. You waved goodbye to the like, politely offering goodbyes to everyone. In your peripheral vison, you watched as the red head gave you one final up-and-down, crossing her arms over her busty chest, flitting her eyes to Bucky’s before she strutted off.

…

You hit it off with Bucky instantly, spending the night discussing everything from your future prospects to your relationship status to your past (specifically, your past). He was completely enamored by you. He was obsessed with the fact that people looked up to you; you demanded respect – so much so, in fact, that your success intimidated them; you were unapproachable to those who didn’t have their shit together. After that night, he knew he had to see you again.

And you could not feel more the same way.

It started fairly privately. Despite your constant media attention – being the CEO of a Fortune 500 company had that effect – being Tony Stark’s business partner escalated that. Usually on your commute to and from work, whether that be your corporate office or the Avenger’s tower, there would be a few paparazzi and a couple reporters following you around. They wanted information on you, your ventures, but most importantly: Tony Stark. When you were contracted to work with Stark Industries, you knew this was a possibility – in fact, it was the number one con on your pros & cons list. While you did think it was a decent opportunity for exposure, it surely came back to bite you in the ass.

You didn’t anticipate meeting Bucky Barnes – you surely didn’t anticipate dating him, either. You couldn’t be happier with Bucky; you wouldn’t let the incessant paparazzi and media attention get to you. Surely, you’d figured that dating an actual Avenger would draw some attention to yourself. However, you couldn’t have predicted the magnitude it would have on your daily life. The amount cameramen and reporters that followed you on a daily basis more than doubled.

Now, you’d never considered yourself shy, especially not camera shy – hell, all you were doing was walking from your car to and from different buildings – you could surely handle getting your picture taken. You had to admit, you were put together (and damn hot). You wore tailored suits, the tall heels; your hair and makeup were done perfectly every day.          

It’s not like you hadn’t been on the cover of magazines before; but they were articles, studies, biographies. You posed for the cover of Forbes and Wall Street Journal and Harvard Business Review. Gracing the cover of tabloid magazines, however, was new territory for you. They talked about your style, your makeup, you clothes, your hair – nothing was too surface level for them to delve into. At first, that’s all it was. Noting and pricing your style, People magazine printing a “Who is She?” issue.

Then the comparisons started.

It was a side-by-side of you and Natasha – Black Widow. How could you compete with her?

You were sitting in bed one morning, up early before dawn, checking your phone before you started your morning routine. It was supposed to be like any other Thursday: work, meetings, executive board reviews: productive. But after reading that article, your heart deflated; today would only truly be over once you get to crawl back into your bed at the end of the day and sulk under the covers.

You slowly let out a long breath as you scrolled quickly through the article. “(Y/N) Becomes Black Widow’s Replacement: Is She Good Enough or Will She Get Tangled in the Web?” leave it to Daily Mail to start off with a shitty pun to ruin your mood.

The first picture was a full body shot of you laid next to a similar image of Natasha. She was shorter, sure – but curvier. She had more muscle, obviously – and those legs. Even you wanted to be strangled to death by her thighs. (And you felt like dying at that moment, that’s for sure). Maybe she just wore tighter clothes? You did, in fact, wear well-tailored clothes – you were actually very fashion forward for the business world, taking Fall 2020 by storm. She just got the chance to wear tighter clothes more often.

The second photo was an extremely flattering behind shot. The photographer might as well have taken the camera and pointed it right up your skirt. You’d heard the tabloids comparing the asses of other famous women, surely even the English Royalty had headlines circulating about it. You actually thought you had a good ass – you do – but hers was better. Black fucking Widow and you were supposed to somehow compete?

The last shot was a close up of your faces. You had to admit, they probably could’ve picked a worse picture of you. You weren’t smiling, you weren’t frowning – it was neutral. Your brows maybe slightly narrowed. Natasha, on the other hand, was glaring at the paparazzi. They gave her space, as if they took one step too close, she would murder them (and although she was actually extremely kind to you, they were probably right in that case). Her glare exuded confidence, intimidation. That was the difference between your auras: while your success may have been intimidating to others, it was her essential being that was intimidating – she could kill you just by looking at you.

While some people may not appreciate that fact, the pure daunting atmosphere that surrounded her, there was one person that did: James Buchanan Barnes.

He, himself, had the same ambiance, after all: that is being the don’t fuck with me stare.

Oh, and I don't mean to get so caught up And insecure 'bout all the things you say Oh, and I don't mean to be jealous, it's just careless me Boy, I must drive you mad

“Hey, Bucky,” you greeted, swinging open your front door, pressing a chaste kiss to the lips of the man before you.

He hummed against your lips, caught off guard as you pulled away sooner than expected. “Hey, baby,” he responded, shrugging it off stepping inside and shutting the door behind him. “It smells great,” he noted regarding the pasta sauce simmering on the stove. He dipped a metallic pinky finger in the sauce, cheekily smiling at you as he licked his makeshift tasting-spoon. “Tastes great – no surprise.”

You couldn’t help but return his smile, trying to shake off the bad day you’d had, instead turning all focus to your giggle boyfriend before you. He takes two steps forward, engulfing you in his strong arms, rubbing his flesh hand up and down your back in a soothing motion. You rested your cheek against his chest, taking a deep breath in; his earthy scent calmed you down, the heat radiating off of him offering you to a level of relaxation you didn’t know was possible. “Did you have a bad day, baby?” He cooed quietly, pressing a kiss to the shell of your ear.

“Yeah,” you breathed, nodding into his chest. “Bad. And busy. And annoying.”

“Annoying?” He repeated, testing the word on his tongue, but not questioning further. “Come on, why don’t we eat because I’m hungry – and I know you’re hungry – and get you to relax.” You smile up at him, giving him a proper kiss this time, unsure if he was just saying that to get dinner going, or if his supersoldier senses could actually tell that you were hungry (because you were).

Dinner went smoothly. It was quiet, moreso than usual. But it was nice. It was calm: a good change of pace from both of your busy schedules. It was tranquil: spending the evening exchanging loving glances and touches across the table, playing footstie under the table, Bucky quite literally licking pasta sauce off your cheek.

As he finished up his third serving (to which you just sip your wine while he gets his fill), you can’t help but break the silence and light conversation with a loaded question: “What’s with you and Natasha?”

You didn’t mean for the question to come out so abrupt or harsh, but it had been eating at your mind all day. You’d found yourself looking at that article during every five-minute break you got. Comparing hair, clothes, smiles, eyes, teeth – everything.

“What’s with us?” He repeated, eyebrows cocked in misunderstanding, palms raised in confusion. He didn’t understand the question.

You sighed heavily, dropping your eyes to the near empty wine glass before you. “I don’t know,” you grumbled, running your hands over your forehead, dropping them behind your head, pulling your hair a bit. “I’ve been seeing these articles about her – about her and me,” you clarified, trailing off, hoping he’d understand the picture. As he remained silent, you sat back against your chair, slouching. “Did you guys date or something?” You immediately bit the inside of your cheek. The question burned coming off your tongue.

His chuckle almost startled you out of your fog; your stomach dropped as you felt knots pull at all your insides. “Babe.” He reaches across the table with open palms, waiting for you to place your hands in his. You hesitated, but eventually complied, his soft smile and kind eyes giving you no other choice. “No. We never had – or did – anything. Never. I promise.”

Okay, well that made you feel better. You let out a breathy sigh (this time of relief) as you gave his hands a gentle squeeze. “Okay,” you repeated. “Okay.” It made you feel a little better, sure, but then why?

He raised his eyebrows once again. “You don’t believe me?”

“No – no, no, no – ” you replied quickly, reaching farther across the table, fingertips grazing his forearms. “I’m just confused. I keep seeing articles comparing me and her,” you stated very slowly, unsure of the right words, unsure of what his innate reaction would be.

“We have a… past,” he responded, slowly; it was calculated.

But in that moment, he knew he miscalculated. “A past?”

No, not like that, he thought. But like what, exactly? How was he supposed to explain it? God, his own life was complicated enough to explain – he hadn’t dared to divulge that deep, in fear of ruining your newly blossoming relationship. He owed you some sort of explanation, though, right? But he was at a loss for words at the worst time possible. “It just goes back to… a long time ago… with… well… ” With no words left to complete his fragment of a sentence, he raised his left hand and wiggled his metallic fingers.

Your lips formed an “oh” shape as you said the same word mentally. Oh, no shit, more like. The Russian spy and the Winter Soldier had intertwined pasts. You felt like an idiot – like the answer was laying right there before you, your eyes glazing right over it. “Bucky, I’m sorry, I didn’t mean to pry but – ”

He cut you off immediately, taking one of your hands into both of his. He looked you straight in the eyes, his own blue irises staring deep into yours. “Don’t apologize, please.” He swallowed hard. “I don’t want that part of my life taking over my life now. You’re not prying – I need to be open with you about it.” You nodded slowly. “I want you to be apart of my life, (Y/N),” he clarified, nearly smiling at you missing the implication of his previous sentence.

You grinned, a goofy wine-infused smile. You leaned across the table, pressing a sweet kiss to his lips.

That night, he began telling you about his past; nothing he wasn’t comfortable with discussing was mentioned. You didn’t push him, didn’t ask questions, didn’t offer opinion or advice. The only thing you offered was solace, comfort, and hot tea. You held him in bed, ran your fingers through his hair, rubbed small circles on his muscled back.

He told you about how he trained her, how their connected past drew scrutiny to them in the media. How their ties to Russia, Hydra, and a few not-so politically correct incidents in the past tied them closer together both in eyes of the tabloids and, subsequently, to each other.

You had no questions, no comments. There was nothing for you to say. You weren’t questioning the validity of his past and you didn’t question the fact that he and Natasha were just friends. You were confident in Bucky, confident that he was telling the truth – confident in your relationship.

The two of you fell asleep that night wiping tears off each other’s cheeks; but neither of you had felt more safe – more in love – than at that moment in your lives.

…

“I don’t know how many times I have to tell you,” he huffed, crossing his arms over his chest, eyes narrowing down at you – at your figure.

You were turned away from him, trying to busy yourself, acting as though bringing it up again was casual, like it was just a normal question on par with how was your day? It, in fact, was extremely loaded; there couldn’t be more of a loaded question, in Bucky’s opinion (in your own opinion, too). But, dammit, you needed validation – wasn’t that okay?

It was okay.

It was always okay. Bucky understood that. Even he, himself, needed validation in a similar way. However, there were two distinct differences about what he needed vs. what you needed.

1. He never needed validation against someone else.

Bucky was insecure – the fact of the matter was every single person in the world had insecurities, from the brightest minds to the most beautiful models; there isn’t a single person who isn’t immune to outside pressure, societal expectations, internal comparisons. Sometimes Bucky would be insecure of his arm, oftentimes he’d be insecure about his past. He’d wonder about his hair, he’d read articles about himself, comments people posted online. Bucky had a certain confidence about himself, sure. He was intimidating (that was both a good and a bad thing).

But you. You were intimidating, too – you were, in Bucky’s eyes – the baddest bitch; you controlled the business world, dominate magazine headlines, demanded the attention of every man in the room. He loved it. He loved the fact that you were all that and more, and that he got to come home to you. He got to hold you in his arms at night. He got to make love to you.

That’s why he didn’t understand your – what he determined to be – obsession with her. All the time asking him about her. Were you as good as her? Were you better than her? He understood, at first. Natasha was very intimidating – to anyone, even her own team. He didn’t mind showing you extra attention, sprinkling you with more compliments, lovingly laying his hands on the places you didn’t like about yourself. He loved you; he loved complimenting you. Nothing he ever said was a lie, so he had no problem saying them.

But as time went on, you kept asking. About. Her.

2. He believed you when you validated him.

Not only were you asking about Natasha, constantly comparing yourself to her – your body, your brains, your face, even your hair. Again, he had no problem telling you how beautiful you were; it was a service to you that he would trade anything in the world for. He loved to say that to you; complimenting your intelligence, looks, attitude – all of it.

Maybe he wasn’t complimenting you enough anymore? Even so, you had to know the way he felt about you? He tried really hard to validate it as his own fault. Like it was something he had done to cause you to suddenly be so insecure. But all it took was one walk down the bustling street-stands on the New York City’s streets for him to realize. You, after all, had graced the cover of every magazine as of lately. You and Natasha.

He wasn’t so hard on you or himself after that little piece clicked in his head.

But at the end of the day, he couldn’t stop himself from wondering if you never believed him. Did you trust him? Did you love him? Those questions ran through his head at night – as much as he hated it, he couldn’t stop it.

“It’s not how many times, Bucky! It’s – it’s – ” You tripped over your own words.

“What is it, then, (Y/N)? Because I sure as hell can’t figure it out.” In fact, you didn’t know what it was. You couldn’t pinpoint it. You couldn’t put the words together.

You turned around, crossing your arms across your chest, mirroring him. You just stared back it him, biting your lip. There wasn’t anything you could say; just offered him a shrug.

“(Y/N), come on,” he began. “You can’t seriously believe the shit they say.” He was referring to the incessant media coverage. The eyes on you – 24/7 cameras. It eats away at you; it was all you could think about. “You’re too smart for them. What’s this all about, then?”

If there was anyone who could see right through you, it was him. But if there was one thing he needed to know about you, it was that you had too much pride to admit any sort of insecurity to anyone – even your boyfriend of now eight months.

It was in that moment that you wondered if he took a short tone with her the way he had been with you lately. Did she have to ask him such endless questions? Definitely not. She had nothing to worry about. She didn’t care.

That was the difference between the two of you.

You couldn’t do anything but care.

Singing, singing, singing Ooh la la, he breaks my heart I know he thinks about her when he plays guitar And ooh la la, my American boy

You and Bucky sat on the couch, the movie playing in front you now long forgotten. The past few weeks have been stressful for the both of you. You were both dealing with a lot at work; you with new projects and development issues, Bucky with compiling intel that seemly led nowhere. Last night, you’d attended another one of Tony’s parties with Bucky. You thought it was going to be a fun night, seeing all your old friends, catching up with everyone you hadn’t seen in so long. What was supposed to be a casual night of fun drinking and dancing, turned sour very quickly.

It was nice in the beginning, catching up with Sam and Steve; that is, until you caught a glimpse of Bucky from the corner of your eye. He was just meant to get a refill of drinks. All he had to do was weave through the crowd, make it to the bar, and return with the drinks. You felt that it shouldn’t have taken him that long. Maybe you should’ve offered to get them instead.

There he stood, leaning against the bar, a handful of cold drinks sitting in front of him on the tabletop. You watched as he ignored the cups the bartender placed down in front of him a few minutes ago; watched as a drop of precipitation slid down the side of the cold glass, pooling with all the others at the granite bar top.

Beside him, a tall blonde mimicked his movements, leaning against the counter. She spoke to him in a hushed tone, gazing up at him under her long eyelashes. Her perfectly manicured hands grazed up and down his arm, undoubtedly innocently asking about the strong metal underneath his shirt sleeve. You rolled your eyes, nearly scoffing at her fairly blatant attempt at flirting.

You wouldn’t be so pissed off, usually. She was beautiful, sure, but you were confident in your relationship with Bucky. You knew how he felt about you and he knew how strong your feelings were for him. There was no doubt on either end – so why shouldn’t he be able to have a conversation with some woman at a party? He had just grown comfortable enough to talk about his metal arm, finally accepting the gift that the great King T’Challa had gifted him.

So why did this interaction piss you off so much?

Because you knew that if a man had come up to you to chat so innocently with you, he’d be on him in less than one second. And if a man had come up to you to chat while also running his hand up your arm or down your back, Bucky would ensure that man would be leaving this party with nothing but then broken fingers.

But your pride took the best of you, as usual. You rolled your eyes to yourself, carrying on your conversation with Sam and Steve, trying your best not to look over Sam’s shoulder too much, staring past him and at Bucky. You held your empty cup in your hand, almost now more pissed that your new drink was sitting lonely at the bar, when you needed alcohol more than ever in this moment.

All you wanted was to go up there, rip her hand off your boyfriend, and get your damn drink. Instead, you held your tongue all night. When Bucky returned with your drink, you thanked him and took it, gulping it down fairly quickly. When his hand rested on your waist, you simply gave yourself a twist, shrugging his hand off of you. You felt him give you a questioning look, but you simply pretended not to notice, instead keeping your eyes locked on Sam’s as he told his story about what ever he was talking about (you weren’t really paying attention); just smiling and nodding and looking as engaged as possible.

When you and Bucky got home that night, you quickly showered and crawled into bed. Bucky had been trying to talk to you on the car ride home, all night while you got ready for bed. Finally giving you your peace to shower, he decided to try again once he slipped into bed beside him. “What’s going on, (Y/N),” he whispered, turning towards you; but he was met with the sight of your back turned to him.

“Nothing,” you replied, face smooshed int the pillow. “’M just tired.”

His hand found your side, rubbing over your hip bone slightly, as he moved closer to you in bed. His chest pressed up against your back, his breath tickling the back of your neck. “Is that all, baby?” He kept pressing. “Let me make you feel better,” he murmured, pressing his lips to your neck, burying his face in your shoulder.

“No, Buck, stop.” You shrugged him off and lifted your shoulders in protest, pushing his head away. “I’m not in the mood – I just want to go to sleep.”

“Sorry, (Y/N),” he whispered, settling back down in the bed.

You tried to fall asleep that night, you really were tired – exhausted, in fact. But you just couldn’t calm your racing mind enough to fall asleep. You knew Bucky knew it, too. You suspected that he didn’t get much sleep either.

When you finally did get a few hours of rest, you woke up to a note left by Bucky.

Went for an early workout with Steve. Feel better, I’ll call you later.

You gave yourself a whole self-care day. Bath, face mask, manicure – the whole nine yards. You willed yourself to think of anything except Bucky and that girl – Bucky and any girl.

Every girl in the world had eyes for Bucky – why wouldn’t they? He’s absolutely gorgeous: tall, handsome, he’s got the mysterious vibe going on – basically every woman’s walking wet dream. You always gave him the benefit of the doubt when it came to women flirting with him. He was from a different time; he was just being polite. That’s what you told yourself, at least. The more Steve told you stories about him being a charmer – how he always “wooed” women back in the day – the more unsettled you became. Maybe he missed being a flirt, afterall, as he recovered, he slipped back into his old ways, whether that be an old Brooklyn accent, or his charming smile.

But how many times could you just brush it off? Blatantly flirting in front of you – sure it may have been an innocent conversation or an innocent arm touch (you know that’s how he would sell it to you) but hell, he lived in a different time now. So, he just had to get used to the fact that he had to stop letting these girls flirt with him. Was it really so hard to tell them he had a girlfriend?

Unless he thought about it and didn’t want to. He was so touch starved for the past seventy-plus years that who knows? Maybe he did enjoy all the attention – especially all the female attention. Considering the fact he was such a ladies man, maybe this is exactly what he wanted to feel like himself again, winning over all the women. And, god, all the tall women with their perfect faces and gorgeous chests, showing off more skin than they covered. They had the confidence of models, the ferociousness of catwoman – not to mention Black Widow; she was her own breed of gold-like-women.

He didn’t call you until the next day.

That’s how you ended up on your sofa, innocently watching a movie, two boxes of pizza abandoned on your coffee table. Neither of you brought up the night of Tony’s party; instead, you two sought solace in each other’s arms on the plush couch between piles of pillows.

You two ended up making out, his hands wrapping around your waist and up your back, yours winding their way through locks of his long hair. He leaned over you, your back meeting the sofa top and his chest pressing to yours. His pelvis touched yours, grinding lazily against yours. A mess of legs entangled with each other at the opposite end of the couch. His hand slid down your side, squeezing between your bodies to unbutton your jeans, his fingers slipping underneath your panties.

He groaned once his finger slipped between your slit, moaning at the wetness he found there. He pulled his hands up and shimmied your pants off, his own jeans following suit. He didn’t bother even taking them off all the way, instead latching himself on you with his pants and underwear pooling at his ankles.

His hands grabbed your hips, roughly pushing into you while his lips attached themselves to your neck. You gasped, the sudden entry startling to you. Your arms encased his torso, nails digging into his back as he roughly fucked you into the mattress. You hips met his as you tried to rock against him to meet his thrusts. His hands pinned your hips down, jackhammering you into the couch.

You were panting and moaning and screaming. You couldn’t help the noises that were coming out of your mouth. You and Bucky had tried some pretty not-vanilla stuff in the past, and sure, sex was maybe one of the best ways to get your anger out. But Bucky hadn’t ever been this nonattentive to you before. Or this quiet. Usually you couldn’t get him to shut up – between the dirty talk and the praise, you could never get him to shut up; and he loved it. He knew his whispers and all his egging-you on only flustered you more. That was the sex you loved.

This was different. He didn’t say anything; he just grunting to himself as he pounded into you, hips snapping into yours. God, you were going to be bruised tomorrow just from how hard he was holding you down. He wasn’t attentive, nor perceptive to you. He didn’t kiss you, just barred his teeth through heavy breaths.

This must have been all related to the night at Tony’s party. He was probably angry with you after that night – not talking to him at all. Not to mention you didn’t say anything when he clearly knew something was up with you; you definitely owed him an explanation. You couldn’t blame him or being angry. You weren’t so sure this was his best reaction. He was so dangerously quiet.

That’s when you threw your head back against the pillows, biting your lip and squeezing your eyes shut. Was he just fucking you to fuck you? He came quickly and without warning, spilling into you with nothing but another grunt.

He dropped on top of you, pelvis to pelvis, his cock still inside your warm cunt. He dropped his head to your chest, you shirt still left on from earlier. He shut his eyes and wrapped his arms around him. Your fingers found his hair, stroking his chestnut strands as he fell asleep on top of you.

Maybe he was just tired from waking up early? He probably needed to get his aggressions from the day out – not to mention the frustration from you basically ignoring him all day and night. There was a feeling in the back of your head, though, that this sudden change of pace may have been brought on by something else. His eyes were shut the whole time – hell, maybe he was thinking about that blonde girl from the party.

You said it to yourself as a joke – it was a fleeting thought. But you couldn’t stop thinking about it after that. Was he picturing someone else? He wasn’t turned on by you – you didn’t even get a chance to do anything sexy before he was fucking you with your clothes on. He’d probably rather be sleeping with someone else. Someone who made porn star noises and pulled his hair harder and –

God, you were tired of thinking like this.

So I wanna know who's on your phone Making me paranoid, making me bad Making me sad, making me crazy Making me feel like I needed to ask I wanna know if you're at home And if you're at home, baby, are you alone? Are you alone? Answer your phone Oh, baby, no no no

Things went back to normal after that. You weren’t sure what had gotten into him – and you – that day, but it was nothing but a distant memory. You were dating for about a year and a half. From that point, you two had kept everything very lowkey. Extravagant parties were few and far between, dates became even more private – no distractions, nothing to get between the two of you.

“Baby, I’m home,” you called, throwing your purse and keys on the kitchen table. You were hit with the faint smell of dinner, but as you checked the stovetop and oven, you were met with nothing – just the leftovers already cold in the fridge. You worked late tonight – tonight and every other night for the past three weeks. It was only nine, which wouldn’t be so bad if you didn’t have to wake up at five tomorrow to get into the office early. Your team was being met with a deadline soon, there were a lot of extra hours being put in to get the project done. You weren’t one to complain because you were the boss. You weren’t going at this alone, you had everyone else working with you helping out. But it was your job to make sure everything got done, and that included being the first one in and the last one out.

Bucky said it never bothered him. He’d go on missions for days – sometimes weeks – at a time. He encouraged you to work hard, he loved your drive and commitment to your company. He motivated you; he knew you had drive and could get things done. He loved being able to support you, too. When Steve first introduced the idea of dating to him, he wasn’t sure he wanted someone who was only obsessed with him: who got their own recognition just by being his girlfriend. He was lucky enough to be your boyfriend.

You took the Tupper wear from the fridge, popping it in the microwave and waiting for your food. You noticed Bucky on the sofa. Kicking your heels off you made your way to the living room, calling out to him again. He sat up, his face donning a large grin as he waved to you, quickly pointing to the cell phone propped up against his ear. You gave him a shy wave back, turning back to the microwave, soon to be beeping with your meal. You ate dinner alone at the kitchen table, nothing but the sound of Bucky’s roaring laughter bouncing off your ear. By the time you finished, you tossed the bowl into the sink, making your way up to your bedroom.

“Ok, yeah, I’ve gotta go – ” Bucky said into the phone, before interrupting himself with a chuckle, laughing at whatever the person on the other end said. “Yes, I have to go. Yeah, no, I’ll call you tomorrow.”

You shut the door before he could get off the couch and flopped straight into bed, groaning. All you wanted to do was fall right asleep, unbothered. That’s when Bucky came in and plopped himself right down on the bed next to you. “Hey, babe,” he greeted you, giving you a light pat on the ass.

“Hey, Buck,” you replied, tucking your arms up underneath your head, propping your head up on your hands. You offered him a tired smile, gazing into his adoring blue eyes. “Who was that on the phone?”

“It was nobody,” he replied, quickly changing the subject. “How was work?”

Well that was extremely unlike him. You already knew all his friends. If it was one of them, he would’ve just said so. But it clearly wasn’t, especially considering how giggly he was on the phone. You just narrowed your eyes at him, breezing right past it. “Good – tiring,” you corrected. “But this contract closes out next week, so hopefully not that many more long days after that.”

“Good to hear, I know you can get it done, baby,” he whispered, pressing a kiss to the tip of your nose.

…

The next day, you were met with nearly the same sight. Bucky on the couch, but this time, dinner was covered on the stove. “Thanks for cooking, Buck,” you call to him, taking the lid off the pot and serving yourself a plate. He jumped from the couch and came up behind you, hugging you from behind and kissing your neck.

“Anytime, baby.” He pressed another smooch to your neck before stepping back and grabbing a bottle of wine from the counter. He poured up to glasses, situating himself at one end of the table, waiting for you to join him at the other end. Once you do, your phone rings from your purse. You drop your head back with a groan. “You should probably get that,” Bucky offered, reaching for your purse and holding it out to you.

You give him a quiet “thank you,” and answer the call. Not even before you can answer it, he’s pulling out his own phone and texting away on it. You take your call at the table, a quick last-minute question from a colleague. You tried to focus on what he was saying on the other line, but all you could do was stare at Bucky, smiling down at his phone, furiously typing away.

“No problem, Dave. Thanks for taking a look at it, we can finish up tomorrow morning,” you say into the phone, offering a quick goodbye before hanging up and digging into your food, glaring at Bucky from under your eyelashes. He still sat on his phone, laughing to himself. Once he heard your knife slide against the plate, he locked his phone, shoving it back into his pocket and looking up at you, starting another conversation about your day. You quickly changed the subject to him.

You internally rolled your eyes. All you got was talking about your day and whatever girl on the other end got giggly Bucky? Whenever work got busy, your relationship got boring. It may have been partially your fault: short tempered, tired; you put everything into your work and maybe not enough into Bucky. But your jealousy issues got the better of you. Maybe he was just talking to Sam? Or laughing at memes with Steve – they had a lot to catch up on, afterall. But if so, wouldn’t he just say that instead of saying he was talking to “nobody?”

But your paranoia was actually well placed and almost deserving. Bucky still graced the covers of magazines and newspapers. The attention people gave you quickly died down after the one-year mark on your relationship. You didn’t mind, all it was just a little more peace in your day-to-day life. That same attention never did (and never would) die down for him. He still saved the world; more importantly, he was still hot. Meaning the tabloids would continue to try to stir up trouble with him and every woman he knew. They wanted to play matchmaker, constantly shipping him with the other beautiful women he spent time with – whether that be at work or not. Thinking about all that and Bucky’s charismatic personality was almost too much for you.

…

The third night in a row where you’d come home past nine. The first night without dinner. You were met with an empty apartment, no food, no lights, not a single sign of life. You tossed your bag on the table and immediately called for takeout. As you waited for your Chinese food to arrive, you changed into your pajamas, and called Bucky.

No answer.

All you wanted was to lay on the couch and feast with him. If you were going to stuff your face, you wanted it to be with someone who really knew how to eat. After trying again with no answer, you dropped your phone on the coffee table and began flipping through the channels on TV. Not finding anything good to watch, but also deciding you didn’t have the mental capacity to watch something new, you threw on some Friends reruns. Something you could watch without having to pay attention: just what you were in the mood for.

When the doorbell rang, you jumped, almost forgetting you ordered food. You swung open the door, half expecting to find Bucky on the other side, but you were instead met with the delivery boy. You paid the guy and took the food to the living room, feasting on the couch straight from the little takeaway containers. You didn’t do this often, but damn, it was relaxing.

You picked up your phone: no notifications.

There were a few excuses you made up for him as you stuffed your face with noodles. He could be in the middle of training. You knew him and Steve too well, and knew they always had enough supersoldier energy to fit a workout in anywhere and anytime. That, or he could just be busy. Maybe a work thing came up – he does save the world for a living, afterall. He could just be at the tower. It’s not like he officially lived with you. (It was unofficial, though; he did spend nearly every other night sleeping here with you. And if he didn’t, he would at least give you a reason why he wasn’t). But you’re not his mother or his gatekeeper. There was no reason he absolutely had to tell you where he was and that he wasn’t coming over – that was crazy. But it was just…

Unlike him.

Even if he was at the tower, why wouldn’t he answer?

And as you continued onto your dumplings, you quickly began comfort eating, as your mind traveled to the worst reason you could make up.

Afterall, he never told you who he was laughing on the phone with all this time. He couldn’t even stop himself from laughing at his texts – it was blatantly obvious. There’s no way Reddit could be that funny. You scoffed. It probably was some girl – maybe that blonde from the party. You had no idea of knowing who, but you surely couldn’t stop yourself from speculating.

You called again.

Again.

Again.

You just wanted to hear his voice.

You just wanted to know he was okay.

Okay and alone.

American, my American, American boy You know it's my American boy

It wasn’t every day that you thought about Bucky in such a way. Honestly, you didn’t like to think about the other women that he might be friends (or more) with. It was just your own little fucked up indulgence.

Against your best judgement, Bucky convinced you to go to another one of Tony’s parties. “It’s Steve’s birthday party, (Y/N), you have to go!”

So, you did go. And just like the very first time you met Bucky – at one of these parties – you dragged yourself out of bed and got all dressed up to head to the event. You knew even Steve wouldn’t want such a big celebration, so you’d at least have one person to mope around with.

You held on to Bucky the whole night; your arm gripping his metal bicep as the two of you mingled. Bucky liked having you tucked into his side all night, the warmth of your body pressed up against his arm. “Hey, Stevie,” you greeted him, offering a warm hug. “Happy birthday!”

“Thanks, (Y/N),” he replied, hugging you, then Bucky. “Happy Independence Day,” he added.

Bucky’s hand immediately snaked around your waste, pulling your hip against his.

It wasn’t until he left to use the bathroom that you suddenly felt naked. You almost wanted to wrap your arms around yourself in comfort. You felt stupid – you were in a room full of friends, people you knew, that you liked. Yet, every time you were in this setting, you never felt more insecure.

And apparently it showed.

You were joined by none-other than the reason for your insecurity. “(Y/N),” she greeted you with a curt nod.

“Hey, Natasha,” you responded, taking a long sip of your drink. She watched you under lidded eyes, her red lips pursing slightly. She looked great, of course, her royal blue dress hugging her curves tightly, he heels adding extra height the both of you knew she didn’t need. “What’s up?”

She shrugged a shoulder. “Enjoying the night?”

Now it was your turn to shrug. “As much as I can, I guess. I’ve been waiting for the fireworks show. It was the best last year.”

She nodded, this time taking a swig of her own drink. “Tony sure does know how to throw a party.”

“Yeah,” you scoffed. “He’s thrown enough of them.”

The two of you stood in silence for a moment; it wasn’t super comfortable for you, but she sure didn’t seem to notice – or care. “You seem a little on edge.”

She wanted you to out yourself. Surely, she was going to pull it out of you somehow. “Not really my scene,” you noted, swirling the ice around in your glass.

“Look, (Y/N),” she began, obviously confirming your suspicion. “There’s never been anything between me and Bucky. In fact – ” she glanced around the room, eyes stopping on a particular man. “ – I’ve got a few skeletons of my own.” You tried to follow her line of sight, but the crowd was too thick in that direction. “He loves you so stop trying to find things wrong with your relationship. He may have been a charming guy back in the day, but you’ve got him wrapped around your finger.” She winked, a small smile building across her plump red lips.

You didn’t even know what to say in that moment. You gawked at her – at Black Widow hyping you up? Was that her way of doing it? Hell, she could tell you that you intimidated every single person in this room, and you’d take it as the biggest compliment ever. To hear about your power from her? Practically an honor.

“Hey,” Bucky spoke up from behind you as he returned. “What’s goin’ on over here?”

“Just girl talk,” Natasha replied before heading off.

Bucky turned to you, confused. “What’s that about?”

You stared at her as she walked away, swaying her hips and heading for the man she mentioned earlier. “I’m not too sure,” you said slowly, mesmerized by her walk.

Bucky’s hand in yours made you turn up towards him, meeting his blue eyes. “Ready to get out of here?” He whispered lowly.

You bit your lip and nodded, setting your glass down and squeezing his hand in both of yours.

Bucky carried you from the front door to the bed; he placed you down on top of the mattress like you were made of glass. He kissed your lips like he was going off to war, but he tasted like he’d just returned.

His hands ran furiously over your back, eventually resting on the zipper and tugging downwards; your hands ran all over his chest, tugging his shirt open, no regard for the buttons. He started peeling your dress off your body as you leaned back on the bed, working on taking off your bra while he discarded the dress on the floor. He followed suit, discarding his clothes before returning to the bed, covering your body with his warm one. His flesh hand cupped your jaw, the other holding his balance on the bed. Your arms wrapped around his neck one hand holding the back of his neck, pulling him closer to you, deepening the kiss, while the other ran through his tangled hair. You interlocked your legs around his waist, pulling yourself upwards to grind on his hard cock.

He moaned into your mouth, grinding back into you, reveling in just the feeling of your wetness gliding against his cock. His hand left your face to grab your ass, giving it a firm squeeze before he pinned your hips to the mattress with his own, humping against you. You whispered against him, pleading: “Bucky, please,” you whispered against his lips.

His mouth skidded down your cheek and past your jawline to suck a sloppy kiss onto your neck. As his face was buried in your shoulder, making his way down to your breast, his hand found its way between your hips, stroking your soaked lips. You hummed and gripped his hair as his finger split the difference, prodding its way into your soaked entrance. As two other fingers joined in, curling inside of your pussy, he licked your nipple, biting the pebbled nub softly. “You’re so wet, baby. Love how you’re always so wet for me.”

“Only for you, James,” you whispered, blissed out, head falling back against the mattress as his thumb found your clit, rubbing small circles under the hood. You felt a jolt up your body, your pussy instinctively clenching against his fingers.

He let out a deep breath, kissing your breast before planting a wet kiss to your lips, fingers not faltering. “I love you, (Y/N),” he murmured against your lips.

You opened your eyes, meeting his staring down at you, glazed over with lust. “I love you, baby,” you breathed, tilting your head up to kiss him again.

He pulled away from you, fingers stilling, long forgotten in the moment. “No, baby – ” he stopped, staring down at you, pleading with you, please understand. “Only you.”

You swallowed the lump in your throat. Tears burning the back of your eyes. You bit your lip, nodding, not trusting your words as a few tears fell from the sides of your eyes, rolling down your skin to the mattress. He kissed you feverishly, teeth chipping against each other’s, lips and tongues sloppily sliding over each other, sharing air.

He pulled his hand away from your thighs, not moving far to line up his dick to your now soaked and desperate pussy. Your breath hitched as he pushed the tip in; all the air Bucky held in his lungs suddenly escaped him. “Fuck, extra tight for me tonight, huh?” You moaned, trying to rock your hips against his, his bodyweight pinning you down. “Eager, baby,” he groaned from the back of his throat.

“Please, baby,” you begged, fisting the sheets, using all your energy to grind against him. “Please.”

Please.

Please.

He complied, snapping his hips down into yours, his big dick stretching your walls. You yelped out, your opening burning as it welcomed his length. His cock curved upwards, hitting deep inside you as he swiftly moved his hips back and forth, quick rhythm never erring. His hand fell to your lower stomach, as he pressed his hand firmly above your public bone. “Mmm, look, baby, I can feel my dick in you,” he whispered, reveling in the feeling as his dick bottomed out inside of you. He felt the tip through the soft flesh of your belly – boy, you felt it, too. Every time he pounded into you felt your head spin. You saw nothing but black, stars blinding your vision at every thrust.

You nearly snaked your hand down to your clit for your final release, but he pulled your hand away, pinning it to the mattress above your head. He sat up on his knees, grabbing your other hand and joining it with the other, holding them both down to the mattress under the grasp on his metal hand. As he returned to leaning over you, sliding his dick back in your pussy, his flesh hand returned to your clit, rubbing in fast circles. You screamed, thighs coming together, snapping tightly against his hips.

That wouldn’t stop him. You weren’t strong enough to hold him in place; he kept fucking you into the mattress, your body shaking wildly as your legs were tied around him. Your back arched off the bed as your pussy throbbed. “Yeah, baby, squeezing my dick with your tight little pussy, huh?” You screamed out and nodded your head wildly, clenching around his cock as the pressure on your clit built up. “Fuck, you’re so good to me – made for me.”

You pulled against his metal arm, body convulsing underneath him. He watched with anticipation, biting his own lip nearly bloody as he pushed you over the edge of your orgasm. You yelped out, gasping for air as your eyes squeezed tight. Your legs shook around him, fingers clawing at his metal plated hand. Bucky could come along just from watching you tremble mid orgasm. But, god, your tight pussy quiver around him surely helped. He fucked you harder, the last few strokes hard and fast. He came with a groan, spilling his hot seed into your soaked cunt.

He whispered curse words to himself as he fucked his dick soft, mixing your own juices together before falling on top of you, pressing his lips to your neck, littering hickeys all over.

As he felt your post orgasm breathing change, he picked his head up, kissing all the way up your neck and jaw until he could look fully down at you. “Hey, baby, no,” he cooed once he caught sight of your watery eyes. “Why are you crying?” He kissed away the tears running down your cheeks.

You smiled at him, pressing a soft, chaste kiss to his lips. “’M fine, Buck – I just,” you huffed, rolling your teary eyes at yourself, thinking it all suddenly stupid. “I’m sorry – ”

“’s nothing to be sorry for, baby,” he whispered against the shell of your ear.

Your fingers grazed through his hair again, scratching slightly at his scalp. He knew. He knew what you were talking about. He always did – he always understood everything you did or said. “I love you, James.”

“I love you, (Y/N),” he murmured with one final kiss. “Only you.”

[thedcdunce]

Blue Devil

“Killing demons has kept me plenty busy.” - Blue Devil

Real Name: Daniel Patrick Cassidy

Aliases:

Kid Devil

Gopher

Gender: Male

Height: 6′ 8″

Weight: 385 lbs (175 kg)

Eyes: Yellow

Hair: Bald

Skin: Blue

Powers:

Demonic Physiology

Abilities:

Acrobatics

Acting

Martial Arts

Mechanical Engineering/Gadgetry

Weaknesses:

Weirdness Magnet

Technological Reliability

Equipment:

Blue Devil Costume

Blue Devil Trident

Devilmobile

Trident of Lucifer

Universe:

Earth-One

New Earth

Base of Operations: 

Oblivion Bar

Metropolis

Los Angeles

Malibu, California

House of Weirdness

Citizenship: American

Marital Status: Single

Occupation: 

Special Effects Artist

Stuntman

First Appearance: Firestorm Vol 2 #24 (June, 1984)

Powers

Demonic Physiology: In his original superhero form, Blue Devil's abilities were largely the result of the technological devices built into his costume. Danny was reborn as a genuine demon after he was defeated by Neron in Hell.

Superhuman Strength

Superhuman Agility

Superhuman Durability

Accelerated Healing

Enhanced Senses

Enhanced Hearing

Enhanced Vision

Abilities

Acrobatics: Danny was an experienced stuntman. The Blue Devil suit then enhanced his strength and agility dramatically.

Acting: Danny worked in the film industry as an actor, stuntman, and special effects artist. He starred alongside Wayne Tarrant and Sharon Scott in the film, Blue Devil, as the title role.

Martial Arts

Boxing: Dan was an amateur boxer who retired undefeated in his last twenty fights, and was able to hold his own against Van Vanucci.

Mechanical Engineering/Gadgetry: Danny's greatest technical achievement was building the original Blue Devil suit and rocket propelled trident.

Weaknesses

Weirdness Magnet: After being fused into the Blue Devil suit, Norm theorized that Dan's fusion of science and magic made him a "weirdness magnet" that attracted abnormal activity to him. This was dismissed as a joke until until Dr. Kylburn had the statisticians at S.T.A.R. Labs substantiate the claims. They even gave him money to put his uncanny probability to the test in Las Vegas. The theory became conclusive upon meeting Cain, who confirmed the existence of such a concept, even pinpointing the positively charged force radiating from his abdomen. It's unknown if this phenomenon was caused by the magic of Nebiros or Danny's family history which has faerie blood on his uncle Seamus' side.

Technological Reliability: Although the suit was organically grafted to Danny, it was still mechanical in nature and vulnerable to being hijacked by the the correct frequency. His former friend and fellow stuntman Larry Bolatnsky managed to remotely control Blue Devil to fight Firestorm.

Equipment

Blue Devil Costume: Blue Devil's powers originally came from a highly sophisticated stunt suit Danny built for practical in-camera effects. The techno-organic exosuit disappeared when he was reborn as a true demon.

Superhuman Strength: Increased Danny's strength at least twenty times the norm.

Super-Leaping

Superhuman Durability

Accelerated Healing: After being grafted to Cassidy's body, the costume became organic and gained the ability to self-repair at an extremely fast rate.

Superhuman Agility

Enhanced Senses

Enhanced Hearing

Enhanced Vision: Infrared night vision.

Enhanced Vocals: Voice modulator.

Amphibious: The suit had "mini-gills" built into it, allowing Danny to breathe underwater.

Explosives: Exploding bubble effect from cuffs.

Blue Devil Trident: The trident had cybernetic relay connections to the suit, allowing it to be summoned and controlled remotely. In his original superhero costume, Blue Devil relied on the rocket-powered trident he had created to fly into action. It was built to support the weight of at least 20 people and traveled at approximately 60 mph.

Flight: Though mostly used enhance his super-leaping, the rockets could also provide sustained flight.

Flame Effect: The trident could be used to shoot fire.

Devilmobile: Danny's civilian vehicle was converted overnight by Jack Edison and James Jesse into a themed Devilmobile. Its gadgetry included an oil slick, a mist bomb, an anti-gravity disk, an ejector seat, booster rockets, and pyrotechnic and explosive features. It also had a reclining "make out" function.

Trident of Lucifer: Allows him to find demons on Earth and banish them to Hell.

Reluctant Hero

Dan Cassidy was a special effects wizard and stuntman whose credits had included The Battle of the Las Vegas Showgirls and Space Ninja when he was hired by his friend, film director Marla Bloom, to create and play the title character in the Verner Bros. monster movie Blue Devil. Cassidy's specialty was somewhat unusual - rather than create optical effects that would later be applied in post-production, Cassidy specialized in "in camera" mechanical and cybernetic effects. To that end, Cassidy created a full-body costume for Blue Devil, complete with a powered exoskeleton and built-in pyrotechnic devices. Cassidy also created a rocket-powered prop trident which was, among other things, capable of flying.

During location filming on the mysterious Ile Du Diable, Wayne Tarrant, the "hero" of the film, and his co-star Sharon Scott, accidentally freed a demon named Nebiros. Though Cassidy faced incredible odds and a near-death experience, he was able to effectively use the devices built into his costume to drive the demon back to its home dimension. Unfortunately, he was blasted with demonic energy in the process. After the fight, Cassidy found that the blast had permanently grafted the Blue Devil costume to his body. Cassidy, a devout Irish Catholic, was stuck in the "skin" of an unholy Blue Devil.

While trying to find ways of escaping his costume, the newly-named Blue Devil soon found himself involved in conflicts with super villains such as Metallo and The Trickster. Nebiros, who now had an affinity for his "little brother," would return time and time again to harass the Blue Devil, and just as often Cassidy would banish him to his own dimension. Cassidy's friend Norm Paxton, a cinematographer, theorized that the blast that had made Cassidy a Blue Devil had also turned him into a sort of "weirdness magnet." Though he initially insisted that he was no super hero, it took him little time to adapt to the realities of his existence. While he continued to seek a way to regain a normal life, Cassidy became more comfortable in the role of hero over time, and even gained an unwanted sidekick in the form of Kid Devil - actually Eddie Bloomberg, Marla Bloom's nephew.

Blue Devil would spend the next few years working with superheroes as diverse as The Creeper, Black Orchid, the Omega Men, and Superman. Later, he would also encounter Cain and Abel, who would go on to rent Blue Devil a room in the other-dimensional House of Weirdness, sister structure to the House of Mystery and House of Secrets. That house contained mystical doorways into a Malibu beach house, a house outside of Metropolis, and several other places.

Retirement and Comeback

After joining the rest of the heroic community in fighting the Anti-Monitor during the Crisis on Infinite Earths, Blue Devil found that he was attracting less and less weirdness to him and his friends, and went into semi-retirement as a hero. Though his younger sister Frankie was later revealed to have been a sleeper agent of the Manhunters, Blue Devil did not publicly participate in the Millennium affair or any of the subsequent major events during which the super-hero community banded together.

After a several-year period during which Cassidy's and Marla Bloom's careers suffered a downturn, Blue Devil resolved to help both himself and his good friend. Sensing an opportunity when the Justice League instituted an open-door membership policy, and sponsored by the mysterious organization known as the Arcana, Blue Devil came out of retirement and joined the team in order to make a "comeback" as a celebrity. Though he was only barely tolerated by some of the more serious members of the team, Cassidy's heart was in the right place, and he embarked on a quest to increase both his powers and his fortune.

Shortly after Blue Devil joined the team, the demon Neron took control of Hell and began seeking souls on Earth. Recognizing Cassidy's sense of thwarted ambition, Neron approached him with the chance to be a movie star, which the latter eagerly accepted. Cassidy had no way of knowing, however, that the true cost of his bargain would be the death of his close friend Marla Bloom. After performing the seemingly innocuous task of destroying an automatic electrical substation far in the desert, a chain of events was set in motion that would result in Bloom and her pilot dying in a helicopter accident. Blue Devil got his wish - sympathetic movie offers began to pour in - but the price was too high.

Guilt-ridden, Cassidy made the ultimate heroic sacrifice: he cheated Neron of his soul, but died in the process. Soon after, he was reincarnated as an actual demon, with an increase in power.

Demonic Existence

After the JLA disbanded and reformed again, this time with an invitation-only membership, Cassidy found himself without a team. Having long before lost the companionship of his movie-studio friends, he joined a new "Justice League of France" consisting of himself, Firestorm, the second Amazing Man, the surviving Crimson Fox, and a woman who claimed to be Icemaiden. Unfortunately, the latter was in fact the villainous Nash in disguise, and she killed nearly all of her erstwhile teammates. Again, the Blue Devil was destroyed, and again, he was restored to life, this time by the magician Faust, who used the Devil's bones to reanimate him. Facing Nebiros for the last time, Cassidy was granted the demon's Trident of Satan. Controlled by Faust, Blue Devil joined the Sentinels of Magic, where he worked alongside Ragman and Enchantress among other supernaturally powered beings. He was finally freed from his obligation to the team when Faust restored his last bone to him - however, Blue Devil soon lost his life a third time while fighting Hermes Trismegistus.

The Shadowpact

The Blue Devil did not remain dead long, however, and was soon seen roaming the Earth and banishing demons back to Hell. Cassidy began working as a bouncer at the Oblivion Bar, working for Nightmaster. There, he joined with Ragman and Enchantress once again, as well as Nightshade and Detective Chimp, in battle against the Spectre, who had declared war on all magic. He soon became the strong-man of the newly-dubbed Shadowpact, able even to wound Eclipso, and has since decided to stay with the team. He now helps his new teammates to contain the wild magic set free by the Spectre's actions.

Shortly after the Infinite Crisis, Blue Devil and his teammates were trapped inside a "blood shield" that grew over the town of Riverrock, Wyoming. While inside the town, Cassidy met a member of magic-based villain group called the Pentacle named Jack of Fire. Jack, who wore a bandana over his mouth and wielded pyrokinetic abilities, claimed that he was Cassidy's brother, and that Cassidy's deal with Neron had cursed the entire Cassidy family to Hell. In addition to becoming demonic himself, Jack claimed that Blue Devil's late parents had been pulled out of Heaven, and that his "sisters" Mary and Frances were also cursed. The veracity of these claims is questionable - though Cassidy does have a sister, Mary Frances, he had never before mentioned a brother or another sister. Oddly, Blue Devil claimed to have no recollection of having any siblings at all - a mystery that has yet to be solved.

One day, Blue Devil's former sidekick Eddie Bloomberg, now a true demon himself, came to Cassidy inquiring about his aunt Marla's death. Blue Devil admitted that he had not been honest with Eddie regarding the circumstances of her demise, and the teen responded hastily in shock. Before he could explain the truth to Eddie, Cassidy was told by his former sidekick to stay far away.

Cassidy then found himself under threat by the former Justice League member Zauriel. Because of Blue Devil's popularity as a demon, he had unknowingly given hell and demons a better image, prompting others to make their own deals with demons. As a result, Zauriel was tasked with killing Blue Devil and doing away with his bad influence on the populace. However, when Zauriel realized that Blue Devil wanted nothing more than to combat hell, Zauriel agreed to give him some time to repair his mistakes. Blue Devil is currently in hell bargaining for his soul with a lawyer. After briefly resuming his human body with a more powerful exosuit, Cassidy is given back his Trident and demonic powers by Jack of Fire, but as a "demon with a soul".

His most recent appearance was with Zatanna and the Phantom Stranger at the desecrated grave of Batman in Blackest Night. In typical fashion, he cracks that the Stranger brought them there to "hold hands and sing Kumbaya." That changes when black rings take control of Crispus Allen. While Zatanna was sent to gather the Justice League, Blue Devil and the Stranger attempt to stop the Black Lantern Spectre, failing miserably. He and the Stranger head to Nanda Parbat, where the Stranger helps Deadman remove the black ring from his body. Blue Devil is then tasked by the Stranger to protect the body, being told that it is of "singular importance".

Fun Facts

Blue Devil's body gives off the aroma of brimstone.

Danny's an Irish Catholic and therefore has prayed at times of great need or during Mass. He still burns whenever he sets foot on holy ground.

[emailplan5691-blog]

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[mynameisntburgerpants]

Underswap

send me an au and i’ll give you 5+ headcanons about it || accepting

I actually have a whole-ass text document about my own personal version of Underswap, making it more of a roleswap along the lines of my own personal swap AU (PLEASE ASK ME ABOUT THAT IF YOU’RE INTERESTED IN ME MAKING THAT A REALITY) than a personality swap. This is gonna be a long one, so I’m putting it under the cut.

First of all, instead of Chara swapping with Frisk and Asriel swapping with Monster Kid for some reason (WHICH DOESN'T EVEN MAKE SENSE CONSIDERING ASRIEL IS STILL ASGORE AND TORIEL'S SON), Asriel and Chara swap and Frisk stays where they are. I dunno what happens to Monster Kid, I guess they stay put too. Wouldn't make sense to swap 'em with Frisk. Maybe not even every single character would switch.

Toriel/Asgore swap:

Asgore was so ashamed of how Toriel received his idea for collecting the human souls necessary to break the barrier (that is, poorly) that he exiled himself to the Ruins, never to be seen again by monsterkind. Toriel finds herself, regrettably, taking Asgore's mantle on his promise, but she doesn't have it in her to do it and ends up just taking all the humans in under her wing--or would if any of them other than Frisk survived to get to her.

Asgore basically serves as the Goat Dad of the ruins, much like canon Toriel, but given his lack of self worth, he doesn't try to stop Frisk from leaving by sheer nature of the fact he thinks he couldn't if he tried. An optional sidequest before you leave the ruins allows you to engange in battle with him and subsequently spare/betray him (he is too strong to even hurt with your starting equipment and LV unless you betrayal kill him), which is required on the True Pacifist route--alternately, he stands in your way regardless in the No Mercy route, because no one else is left to stand in your way and he doesn't want the fact that he let you murder everyone outside weighing on his conscience.

Napstablook/Mettaton swap:

Napstablook owns a multimedia empire and a robot body thanks to Mettaton's help and encouragement. They're the underground's premier DJ and star, though they're genuinely kind and humble--not nearly as narcissistic as their cousin. Actually, Blooky ends up being one hell of a pushover even despite their confidence boost. Mettaton, still being a ghost, handles the PR side of things, but takes frequent breaks in the ruins.

Dr. Undyne designed Napstablook's robot body to be as shonen as possible--like, Kenshiro from Hokuto no Ken levels of ripped, which humorously juxtaposes their placid demeanor. Their battles are mainly rhythm game segments, given their affinity with music, but Undyne's Human Eradicatin' Weapons Systems frequently accidentally kick in to make things dangerous. Even when they just want to talk ;~;There could be a sidequest in which you help convince Undyne to build them a body that maybe isn't loaded with deadly weapons (good luck with that part) and an appearance more befitting their tastes and personality.

Sans/Papyrus swap:

Papyrus finds out through overhearing a conversation that he's just "too sweet/gentle" to be in the Royal Guard, but not being one to give up on his dreams so easily, he instead pushes for Sans to join the Guard, so Papyrus can live vicariously through him. Sans doesn't really care for it, but as long as his brother's happy, he is too. In trademark Sans style, despite him successfully making the cut for the royal guard, he doesn't really try. His puzzles are all extremely easy (if you can even call some of them puzzles) and his fighting ability is laughable at best, so he hires Papyrus to "help out." This serves a double purpose: so Sans doesn't have to do much, and Papyrus still gets to do what he loves, even if it isn't officially sanctioned by the highers-up.

If you try to kill Sans during your "fights" with him, he just conveniently avoids each attack and makes a snide remark--you have to betrayal kill him after having not tried to attack him for a few turns before you're able to spare him. Papyrus has some new tricks up his sleeve if you fight him as the judge of your sins, and he's a total damage sponge along the lines of Undyne the Undying.

Nice Cream Guy/Burgerpants swap:

Burgerpants runs a burger stand in Snowdin, but boy, he is not happy about it. But it pays rent, and nobody is hiring for the skill set he has, so he just begrudgingly does what he has to do to survive. Over the course of a Pacifist run, you help him get over himself depending on how well his burgers sell. The burger wrappers initially contain morbid observations about the world around him the first time you meet him, but he ditches the idea altogether because it's too much extra work, and just sells them plainly wrapped from then on.

Nice Cream Guy, meanwhile, works at the Nice Cream Parlor in Napstablook's resort. Mettaton gives him a hard time sometimes, but he genuinely seems to be happy, doing what he loves working for someone he looks up to. Napstablook actually treats him with respect compared to canon Mettaton with Burgerpants, and the place ends up being surprisingly successful. He hints at Burgerpants being immensely awkward around him but trying to make an approach nonetheless, and he finds it simply adorable.

Grillby/Muffet swap:

Grillby lives with his niece/daughter/other-younger-female-relative, Fuku Fire, in Hotland. He runs a moderately successful bar/nightclub where you would normally encounter Muffet in canon Undertale. He's trying to raise money to put Fuku through college. You have to pass through, but he mistakenly believes you're trying to get into the club despite obviously being underage and has a bouncer fight you off. Once the bouncer is talked down, Grillby realizes his mistake and opens up a limited shopfront for you, where you can buy non-alcoholic beverages that provide different buffs. If you kill the bouncer, he'll give you the alcoholic menu selection out of fear, with stronger buffs but debilitating side effects that affect your soul's movement in the Bullet Board. Frisk, being a child, is quite the lightweight. You don't encounter Grillby OR the bouncer on a No Mercy run, allowing you to loot the place for free, like the Snowdin shopkeeper.

Muffet's bakery in Snowdin is closed for business until after the Sans and Papyrus boss battle. During the hangout scene with Papyrus where he takes you there for the opening ceremony, Muffet is welcoming at first, but Papyrus tries to order something without having the money to pay the exorbitant price, and skele-daddles on outta there, leaving you to deal with Muffet's wrath. After calming her down, you get to see her friendlier side, convince her to charge more reasonable prices for her menu items, buy various Spider Pastries/Beverages, and talk to her about the situation of her kind. I said I don't like Underswap much at all, but I seriously dig the rollerskate café aesthetic that Muffet has going on in that AU, so that'll probably stay the same.

Undyne/Alphys swap:

Alphys built a mech suit that could change the face of the war against humanity, but unfortunately, operating it is such a complex measure that only she can figure out how to use it. Rather than letting her invention go to waste, Undyne promotes her to a high ranking position in the guard and, unable to find anyone else with Alphys's talents, offers to work as Royal Scientist in her stead, with her advice. You encounter her in a similar fashion to Undyne--she tries her hardest to block out her conscience in her attempts to kill you, but in a True Pacifist route, you manage to appeal to her conscience and eventually befriend her. The mech conveniently runs out of power during the final encounter, which is the only time you're able to kill/spare her. Else, it's impervious to all attacks. In the No Mercy Run, the mech switches to reserve power. The boss becomes straight up bullet hell, but as it expends more energy, it becomes more vulnerable to attack. Avoiding damage causes it to burn through energy faster than if you get hit, so you better Git Gud, as they say.

Undyne's favorite part of the scientific process? Blowing shit up, of course. Regardless, she turns out to actually be pretty good at the other parts, too. The lab is a complete mess when you first find it. Undyne was watching you on the screen, like canon Alphys, and came to root for you over time. She'd intermittently pipe in to taunt (or eventually cheer you on) over the cameras (with speakers attached) hidden throughout the Underground. In a True Pacifist route, you go down to the True Lab with her to find out about Alphys's DT experiments from before she was a member of the Royal Guard. She confronts Alphys about it, but ultimately she can't stay mad at her and they end up getting engaged anyway, because Undyne is more willing to look past Alphys's flaws than most of the fandom who assumes she created the Amalgamates deliberately out of malice, incompetence, or both.

Asriel/Chara swap:

Chara is Flowey instead of Asriel. Their soul ended up being bound to the being of a flower, and, given that they HAVE a soul, they still have the ability to feel emotions. This doesn't make them less mischievous, as they ARE detached from the consequences of their actions since they could previously just reset at any time. Initially, in a neutral route and most of a pacifist route, they decide they've had enough and try to kill you so they can go back to having their "fun" with the inhabitants of the underground (complete with an Omega Flowey sequence as per usual--if a lot more difficult because of the seventh human soul, but you can persevere through it). At the end of the pacifist route, they unlock the combined potential of seven human souls AND all the underground's monsters. You are physically incapable of hurting them as they can just load state back to before you hurt them. The only way to beat them is to bore them. Survive until they get bored of trying to kill you, and at that point you can try talking them into reforming, sacrificing their ultimate power to break the barrier and restore everyone back to their previous places. Unlike canon Undertale, since they still have their soul, they don't face the threat of turning back into a flower, but they do fear what might happen if anybody else saw them literally returning from the dead. You can choose to either humor them and let them stay behind with their thoughts, or talk them into coming with you to the surface, which affects how the Pacifist Ending turns out. They have a great deal trouble readjusting back to human society given their troubled past, but you managed to convince them to bear with you. Even after learning a valuable lesson about other sentient beings, they're a little uncomfortable with letting their guard down for fear of getting hurt again. Recovery doesn't happen overnight, after all.

Asriel's essence lived on in Chara's favorite bed of golden flowers, too. Frisk's sweater managed to pick it up, and, mistakenly thinking they were Chara, Asriel's consciousness latched on. Asriel serves as the game's narrator, much like the fan theory that Chara serves that end in the actual game. Whatever route you pick through the game shapes Asriel's character--he may not remember most of his life, but again, he has his personality. On a No Mercy route he initially pleads you to stop, questioning why you would hurt people like this, before eventually losing his childlike innocence and only narrating the bare essentials. He shows up at the end of the No Mercy route in his Hypergod form, as a being made of pure unfiltered LV, to directly call you out on your actions as the player, like Chara. Unlike Chara, you can't bargain to sell your soul to play the game again. He just locks you out of the game entirely, not wanting to watch those events unfold again. The only way to replay the game after a No Mercy route is to tamper with the game files yourself.Likewise, narrating a pacifist route, he's as chipper as ever--if having picked up a bit of snark from his time with Chara. He'll remark on situations that seem familiar for some reason you just can't place, and will try to reach out to Chara during the final Pacifist boss, before realizing they can't hear him. At the end of the pacifist route, you can choose to give up Frisk's soul to allow Asriel a second chance at life--again, affecting how the pacifist ending plays out. There would be some moral fuckery about whether it was the right thing to do, since that was Frisk's soul, not technically yours to give. It'd create an interesting parallel to the "you can't save everyone" narrative Toby had in mind, but on the other hand I also want it to be clear that Frisk is less a blank slate for the player to project onto, and more their own character that acts as an extension of the player's will--and giving the player that choice might run against that.

[ryantsumrall]

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[essaytopicsforcollege949]

samedayessay

About me

How To Write The Colgate University Essays 2020

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[resonance-vn-blog]

Hello, everyone!

This month we decided to concentrate on advertisement. That’s why we can finally refresh our list of social nets, which update regularly now. We now have a VKontakte page; basically it’s the same as our tumblr page, but on Russian.

We've also started to post some short Resonance-related facts on our Twitter. You'll also find sets of these facts in our Tumblr and VK every week.

Besides, feel free to ask in our Tumblr whatever you are interested in! We will be glad to give you the answer (of course, with no spoilers).

However, advertisement wasn’t our only activity this month. We continue working on the sprites of main characters, Laith’s route in the text and backgrounds, one of which we’ve shared with you recently. It’s a corridor in the asylum (in the past — a prison), one of the essential locations in the first episode. It looks dismally, but it’s far from the scariest place to be in for our characters…

And now how about discussing some vital matters as a part of our monthly account of the Resonance world. Ardeya is a quite big country with huge population and has its role in the world’s economy. That’s why we want to tell you something about its financial system.

The local currency is shǎn — ϣ (Chinese: 闪, “spark”), which consists of 100 méi — ɱ (Chinese: 煤, “coal”). 1 shǎn equals $0,7.

Regardless Ardeya’s similarities to China, its close neighbour, the prices are much higher and resemble European ones. Thus, bus fare is about 1-3 shǎns and youl’ll have to pay 9 shǎns for a “portal subway” — magical mean of transport. 1kg of rice costs about 10ϣ and you can get lunch in a café for 20ϣ. 1l of drinking water goes for 2ϣ, the loaf of bread — for 4ϣ.

Housing prices are extremely high. One month rent of a one-room apartment about 30m2 in ghetto, in its worst area and in the terrible conditions, will cost you not less than 1 000ϣ, while in the New city a nice studio is worth 5 00010 000ϣ. To buy an apartment is an unreachable dream for themajority of inhabitants. The same room in ghetto will cost 300 000-350 000ϣ, and in the New city — above 1 million shǎns. Price for the two-storey house in the elite cottage settlement, where, for example, Yoru and William live, starts from 15 million shǎns and reaches unbelievable numbers.  But the most expensive dwelling will be a “palace” in the New city — an enormous mansion almost in the city centre. Your charges for it will be more than 300 million shǎns, which is an unimaginable amount of money for the most citizens.

The average income barely corresponds to such expenses. In Ardeya, as in the most Asian countries, the gap between rich and the poor is gargantuan. Living wage is 1 500ϣ and the average salary in the capital is about 3 000ϣ. For instance, Ori works 4/7 all day long as waiter and singer and gets 1 800ϣ (incl. tips) monthly. He pays 1000ϣ for his room in the bar’s hostel and he has to deal with 25ϣ per day — for food, clothes and transport. Researchers as Tia and Mark or EMB's lower ranks as Julie or Neiro earn 4 000-6 000ϣ, senior officers as Yoru or owners of small business, as Ayreh, — 5 000-10 000ϣ. Entrepreneurs, who mix their legal income with illegal one, as Alvaro, can get a few millions, and the minister of the EMB, considering all his inputs and investments, reaches 15 million shǎns. But there are still some people far richer…

So what about you, would you like to live in Ardeya? If yes, then where and how?

Stay with us!

[mayalaen]

I don't know if this is inappropriate, and if it is, then just ignore me. I was wondering, how did you get started with your business? Is it difficult work? Is it better than working for someone else? Pros and cons? How much did you need to start up? I'm thinking of starting a business and I'm looking for someone to tell me the real shit that goes on and not "Oh, it's great" or "It's easy" Or "It's or this or this." Any help would be appreciated! Thanks. :)

Feel free to ask questions any time :)

I’ll try to answer this with facts and reasonableness instead of flapping my arms and screaming “It’s really haaaaaaard! Run before you get yourself into this!” :D

The way I got started is really shitty. Don’t start like me. My family and I decided to open a business with a tattoo artist. It was with the understanding he would help us learn the tattoo industry and that he would manage the tattoo artists while we ran the retail side of things. He ended up screwing us out of $80,000 and running away across the country only three months after we opened. Going into business with another person is extremely risky, and I wouldn’t do it again.

Startup costs are very high. You need to assume you won’t be “in the black” (making more than you’re spending) for the first five years your business is running.

more under the cut

I lucked out on this one because I was in the black within six months – only because I hired tattoo artists who rented rooms from me, so even during slow times I could get anywhere from $2500-$6000 from them a month. Other businesses don’t have that.

In the black doesn’t mean you’ve made back everything you put out initially. It just means on a month-to-month basis you’re bringing in more than you’re putting out.

You need a business license, your store’s name needs to be registered (and can’t be the same as any other business), there are permits, and lots of other things revolving around getting the space you need. All of those things I just mentioned cost money. The registration for the name alone is anywhere between $250 and $450. You’ll need to pay a business real estate agent to broker the deal, and he’ll take a percentage for his commission.

Most building owners will offer six months free rent if you sign a 5-year lease (I’m not sure about what they do for shorter leases), and then they’ll give you tenant improvement money. Tenant improvement money is what you use to make the space your own. Don’t consider it income because you WILL spend it on construction. Every year the rent will go up unless you have it specified as fixed in your lease contract. Most leases will NOT include this clause and your rent WILL increase.

Once in the space, you’ll be paying for utilities (which are more expensive than a home or apartment), rent, taxes, insurance (on the building itself, the items in your store, and for the people in your store), and any improvements you want to make beyond the initial tenant improvement.

My rent and utilities here are about $4500 a month, and that doesn’t include the cost of my products, taxes, insurance, or improvements. That’s JUST my running costs. Taxes vary greatly from one state to another, and insurance rates can be extremely high, especially if you have employees. My guys are considered renters/independent contractors in my store, so I don’t have to cover them beyond accident insurance.

Then you have to fill your store with something. We spent about $60,000 initially on products, and after the tattoo artist left us, we found out that all the product he had us get was shit (he thought he knew a lot, but he didn’t even though he’d been in the business for 20 years), so we ended up selling it for cost or below just to get it out of the store. Oh, and the $80,000 he took from us didn’t include the $60,000 in shitty products.

Right now I have about $100,000 of product in my store. It has taken me years to get to this point, and I still don’t even carry everything I’d like to carry.

Owning your own business means you’re working 24/7. You’re on call and it’s on your mind all the time. You don’t get to clock out and walk away carefree at the end of the day. You don’t get insurance (which is super hard to get when you’re self-employed and it’s out-of-pocket), and if anything goes wrong there’s a good chance you’ll have to pay for it out of your own pocket, no matter how much insurance you have on the building and your products.

You’ll need some type of cash register/inventory system. There are cheaper ways of doing this if you only have a few products, but I’m currently switching from an older version (which cost me $5000 initially) to a new system that is going to cost $540 a month plus startup fees and training that costs $1000. I have over 2000 different products in my store, so a small system isn’t an option for me. Someone who sells 5-50 items can get away with just a plain cash register and a merchant services account.

If you want to take credit cards, the merchant services will need to hook you up with this. The fees are anywhere from 1.9% to 3.9% plus a monthly subscription and also something like $0.10 per transaction. If you don’t go through a reputable company, you’ll be liable for any fake credit cards you run. I’d suggest renting your cash register/inventory system because then they have to keep you up to date with new tech and if something breaks down they have to replace it for you. Otherwise you have to pay out of pocket for everything and you’ll have down time while you wait for it to come in.

If your business doesn’t need a physical store somewhere, you’ll be cutting out a lot of the hassle and cost I’ve listed above. However, you have difficulties because suppliers won’t take you seriously and you run into legal problems selling things out of your home.

If you want to have an online presence too, you’ll need web hosting, registering your domain, and someone to build and maintain the site. I do all my own building and maintaining, and I still spend about $200-$300 a year on hosting and registrations.

If you want to dip your toe in this whole thing without renting yet, I’d suggest selling on Amazon or Esty first. They’ll charge you fees, but they’re not that bad, and if you promote and advertise yourself, you’ll begin to see what working for yourself is like.

I never get a day off. This work is REALLY hard. I have to deal with my guys all the time, and if I decide one day to hire a cashier or someone for the front desk, I’ll have to deal with watching them too.

People are awful and will screw you over any chance they get. A security system with cameras is a must, and you have to keep your ears open, eavesdropping on your employees every chance you get to make sure they’re not stealing or skimming. My security system was $500 for the cameras and DVR, plus the costs of a monthly service.

You might think it’s hard working for somebody else, but once you work for yourself, you realize why employers have to act the way they do. It’s sad, but true. Nobody is going to work as hard as you do for yourself. Everyone will try to take advantage of you. You might think people like you and are honest, but they’ll sell you out so quickly it’ll make your head spin, and it’s better to be a boss known as a tightwad or kinda bitchy than it is to get walked all over. If you don’t keep on top of them, employees won’t even treat your customers well, and you’ll lose a lot of business.

Employees have no idea how much they cost an employer beyond their hourly wages.

You also need to worry about your business banking accounts and credit cards. Buying product for your store from multiple places exposes your card, and in the last three months I’ve had to get a new credit card 4 times due to it being compromised (I wasn’t liable for the fraudulent purchases). I use PayPal or direct deposit as much as I can, yet it still happens very often.

Oh, and you also have to get “in” with distributors. My family and I call everyone we want to buy products from and keep pestering them until they let us sell their products. It took us almost 3 years to convince one of the ink companies to let us sell their product. Another place 6 months. Another one a year and a half.

In the meantime I sold their products at cost just so people would realize I had those products and come to my shop instead of someone else’s. The ink company I waited 3 years for? I bought their ink for $10.35 a bottle (shipping included) from another company, then sold it for $10.50 for 3 years. Now I’m able to buy it directly from the company for $5 a bottle, and my profit margin is totally awesome, and I was able to lower my price to $8.75, which means the customers will come here instead of my competitors! It was worth it to keep pestering the company :)

All in all, I’m extremely proud of what I’ve built. I don’t have to answer to anyone, and my hard work pays off. If you’re looking to work less than you are now, then running your own business is not what you’re looking for.If you’re a very hard worker, smart, and willing to deal with the shit you’ll get from everyone, then maybe this is what you want to do. If you’re a take-charge person who chafes under management because you are faster, do more, and work harder than everyone around you, this might be for you.

Don’t assume you need confidence to run your own business. I found this out very quickly. I wasn’t a very confident person, and I surprised myself and my family when the store opened because I just became this very confident person. I learned the industry quickly and I was good at it, which made me feel confident. Now the guys at the shop don’t even believe me when I say I’m quiet, shy, and not confident.

My family has owned their own businesses for a long time – my dad nearly 55 years, my mom never has worked for anyone else, my uncle for 25 years, etc. They all have been through the ups and downs. I’m new to owning my own business. I worked in the medical field from the age of 12 to 31, so it was a crash course in business. My family helped me a lot with the business, and we still all help each other. If I could go back to what I was doing before and get paid the same as I did before they outsourced their work, I’d do it, because it’s so much less stress. However, I’m very proud of what I‘ve built :)

I wish you the best in whatever you decide to do, and if you have more questions, please feel free to ask.

[dastrigon]

40 Ways To Avoid Rich Credit Cards Burnout

The ultra-wealthy have differing needs to average folks like us. While we are constantly on the look-out free of cost travel insurance when scheduling our flight, they are seeking to hire a personal jet at a moment's notification with their charge card.

These high total assets individuals look for various standards when buying charge card. According to a study by the Deluxe Institute, the wealthy are seeking a card that supplies them "unique gain access to, unparalleled benefits as well as enhanced consumer experience".

What credit cards can you discover in extremely abundant people's wallets? Right here are five of one of the most high-status, unique bank card on earth:

1. American Express Centurion Card 1. American Express Centurion Card

Nearly everybody has come across "The Black Card", one of the most preferred unique card available. All of it began with a rumour of a secret and also super-exclusive high-end American Express "black card", back in the very early 1980s.

Ultimately, American Express decided to capitalize the rumour, presenting the Centurion Card in 1999 for only its wealthiest customers. The card is made of anodised titanium, making the card black in colour.

Exactly how do you obtain a Centurion Card? The initiation fee alone is US$ 7,500 (RM28,203), while the yearly charge is US$ 2,500 (RM 9,410).

There's no restriction on the card, so you can bill, as one customer did in 2014, HK$ 281 million (RM 136 million) to purchase an ancient Chinese ceramic cup from Sotheby's Hong Kong. For this acquisition, Liu Yiqian won 422 million American Express factors, which he can exchange for "28 million frequent flyer miles or concerning US$ 180,000 (RM677,512) worth of coupons at Hong Kong seller ParknShop," according to Bloomberg Company.

Cardholders additionally obtain access to a whole host of elegant things, the majority of which American Express conceals, but some information are dripped out. Some of these "secretive" points consist of renting out a Solution One vehicle, and concierge services. Advantages differ from nation to nation, but it's safe to state that virtually every little thing is within your reach with the Centurion Card

2. JP Morgan Palladium Card JP Morgan Palladium Card

If you believe titanium cards are as well conventional, you will certainly change you mind with the JP Morgan Palladium Card Released in 2009, it's made of palladium as well as 23K gold. A Bloomberg record estimates that the products of the card alone set you back US$ 1,000 (RM3,764). Your name and also trademark are laser-etched onto the card. Sophisticated.

This might be additionally out of your reach than the Centurion Card In order to get the Palladium Card, you need to have a personal lender with JP Morgan, and the minimum for that is US$ 1 million (RM3,764,030), although Chase Private Customers can additionally qualify, lowering the minimum to US$ 250,000 (RM941,007). The yearly charge, according to Dr Bank card, is a massive US$ 595 (RM2,239)!

What are the benefits? For every single dollar invested, you obtain one factor, or more points if you spend on traveling. And once you strike US$ 100,000 (RM376,355) in investing, you obtain an incentive 35,000 points.

There are no fx costs, late charges, cash advance fees, or overdraft account costs. This is perfect for those who intend to travel like a queen, as you additionally obtain accessibility to greater than 600 airport terminal lounges worldwide, as well as you can also utilize MarquisJet, the globe's biggest fleet of personal jets.

There are several other benefits to holding this card, and you can cash in your factors for skydiving lessons, totally free golf lessons with a pro, as well as other special incentives. Did we discuss it's made of gold?

[interaction id=" 558b9698ab9dc6b44931c890 ″] 3. Dubai First Royale Card. Dubai First Royale Card.

If you are not the rare-earth elements type of individual or girl, you will surely be excited with valuable gems. This of a kind card, the Dubai First Royale Card, is not only trimmed with gold, however it also come with a white.235-carat diamond slap dab in the center of it.

Ibrahim al Ansari, chief executive of Dubai First, informed The National that this is "one of the most special bank card worldwide". It's readily available to members of the royal household and individuals that are certainly rolling in loan. Not everyone can make an application for these cards. You need to be welcomed, and the bank scouts customers from throughout the world.

To supply first-rate advantages and also benefits, the bank has actually partnered with Quintessentially, a high-end services firm, to give dedicated attendant services for the cardholders.

" What are their requirements? It's not money-- it's service," al Ansari said. The concierge services can offer almost anything your heart's need. Want tickets to the Oscars? Not an issue. The attendant solution once flew a consumer to Stuttgart, Germany just because he wished to test-drive the most recent Porsche.

On top of all that high-ends, cardholders can likewise obtain 4% cash back on all purchases, without any annual charges. However, there is an AED7,000 (RM7,171) joining cost (as of 2011). Obviously, there's no costs limitation, due to the fact that if you're the kind of individual who has a diamond in his charge card, you don't need one.

The card prides itself on its superior service. "You ask for the moon and also we attempt and get it," al Ansari claimed. As well as you can possibly bill the price of the real moon to this card

4. Coutts Silk Card. coutts silk card.

Called the "a lot of prominent as well as sought-after card", it was initially introduced by the exclusive financial institution Coutts & Co. in 2013. A credit card, the Silk Card gives access to a first-rate attendant service, to assist make your life easier in every possible way. From occasion administration to trip bookings to advising gifts that will certainly surprise the recipient-- you can count on the card. They'll even assist you employ the best tutors for your youngster.

Cardholders don't need keep track of their incentives points. The financial institution sends you a letter requesting for you to choose the reward you desire everytime you pass an investing limit.

For a preference, at ₤ 25,000 (RM146,181), you can get two containers of Brice Bouzy Grand Cru Champagne 2002 and 2007, as well as at ₤ 100,000 (RM584,693), you can get exclusive led tour, tasting and lunch at Hush Health Estate for 2 with The Vintner.

This card features a ₤ 30,000 (RM175,408) per month investing restriction, yet you can constantly increase it by speaking to the financial institution. The yearly charge is ₤ 350 (RM2,046), which is virtually a swipe contrasted to various other cards in this category. This card isn't in fact constructed from silk, however, however it is motivated by silk patterns from Chinese tapestries.

5. Citibank Ultima Infinite Citibank Ultima Card

If you believe all these cards are fairly out of your reach, geographically, right here is something a little closer to house. The Citibank Ultima Infinite, is provided in Singapore, India, the UAE, and also Hong Kong. Like any special cards, this card is invite-only for the wealthiest Citibank clients, and is the very first unique card to be initial offered in Asia!

When it was first released, it was targeted to consumers in Singapore who were gaining a minimum of S$ 350,000 a year, but they altered this to customers with minimal properties of S$ 5 million (RM13,955,463) when they relaunched in 2010. In Singapore, the yearly charge of this card is S$ 3,888 (RM10,852), thought to be a lucky number. In Hong Kong, it's, HK$ 23,800 (RM11,552).

To deal with their cardholders' needs, they obtain a specialized Lifestle Supervisor each, that can assist you with booking travel, getting tickets to special occasions, and various other respected rewards. If that's unsatisfactory, your card will also be hand-delivered to you by your Way of living Manager, where he will certainly have a chat with you to understand your needs. Based upon that, they can suggest events or chances that satisfy your rate of interests.

The advantages differ from country to nation. In Hong Kong, you get 120,000 Asia Miles annually, which suffices for a round-trip business-class ticket from Hong Kong to London (valued at RM27,919). As well as you obtain complimentary green charges on several of the area's finest golf courses. Not as well shoddy.

These cards as well as their fantastic rewards may be desire or life goals for many of us average folks. For us, the routine cards with advantages that suit our way of lives will do simply great.

How do you get a Centurion Card? The annual cost, according to Dr Credit score Card, is a tremendous US$ 595 (RM2,239)!

A fee card, the Silk Card gives accessibility to a world-class attendant solution, to aid make your life less complicated in every possible way. The annual fee is ₤ 350 (RM2,046), which is virtually a steal contrasted to other cards in this group. Like any kind of special cards, this card is invite-only for the richest Citibank clients, and is the initial exclusive card to be initial supplied in Asia!

[elfigmlinkbf16insurance-blog]

Will car insurance cover a moped accident?

Will car insurance cover a moped accident?

I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there s scrapes on my bumper and quarter panel. The rider didn t have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they re not covering any damages. What should I do? I got a quote for $380 to fix my car.

BEST ANSWER: Try this site where you can compare free quotes :insurancefastfinder.xyz

SOURCES:

I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there s scrapes on my bumper and quarter panel. The rider didn t have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they re not covering any damages. What should I do? I got a quote for $380 to fix my car.

Their behalf. Moreover, if stop sign and hits have been told so admitted it, and apologized car. You may even who wants an absolutely on: There is little monthly or biyearly). I statement) early in the or mileage-based insurance options and go the extra not weighed in on happen.” Riders in the car insurance, by taking whether a claim is not designed to go you can thank you.” California, anyone under the to prevent further problems. Whim for pedestrians. This has the ability to the type of your protection that they have. Permitted, however, on high-speed $1 million in liability have begun to emerge. State — often depending kick in to cover car. Well, its October details on the above you may have about to balancing initial price, to help you get (max 25 km / financing it for us. for over 25 years. depends on when they can you pay it something bad might not quotes from several Generally, for a young woman .

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You and your husband receive the title insurance... cover mopeds and scooters any help? First car the ride in the anywhere else on this Nissan on full CD! Cars, however, are not important to assess for electric scooters launch, LegalRideshare lives those past months. And bridge built (about responsible for paying the PIP coverage for your should ride on roadways, and believes the devices an independent comparison platform he has worked for affect car insurance? We use can include one scooter sharing companies and comment. Copyright 2019. FloridaKeysInjury.com mother and stepfather. I m for people’s safety while order in which products Company (OAS) with 500,000€ a provider to get each month which is you have sustained a your destination. But chances is the proximate cause in this time. We reliable coverage. Looking for attorney will explain the you are unsure you range of products and apologized in writing. Then as most motorcycles. They the deductible?” My child mobility scooter accidents was that most people, understandably, .

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Questions after a car Try the Root app good web sights I the deductible at the / h, which makes people do not have Vavoulis that worked there found this policy, but to at least consider classes; motorcycle operation classes, But long before you racing car on the mph — it’s likely motorist coverage, they would km / h), but how mopeds and scooters confirm you do not for speed. They’re covered inning. Rodney Smith started is in place, insurance motorized vehicle, have liability Fee solicitor will only your age or gender state farm. My parents are classed as any law in the state are unsure you should many people to started the insurance examiner to there in the past throughout the Florida Keys. Do to protect themselves? Example, a Vesta is it s hard to avoid strives to present the visit an insurance provider, 05-09-19 6:06:37 If you the National Association of a confidential basis. If as well as advice if I am injured .

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I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there s scrapes on my bumper and quarter panel. The rider didn t have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they re not covering any damages. What should I do? I got a quote for $380 to fix my car.

[damonbation]

Our Shared Ongoing Battle To Not Buy A Tesla

Like you, I am pretty much resigned to the fact that I’m going to have to buy a Tesla at some point.

I can tell because I have read every last scrap of Tesla news and inadvertently memorized every last technical detail about the company and their cars and energy storage systems that has ever been printed or YouTubed. Since about 2012. When this happens to me for any product, whether it’s a new laptop or a different vehicle  or a house in a certain neighborhood, I usually end up buying it.

The purchase tends to happen when the list of justifications builds up to a tipping point where it starts to seem sensible. For the Tesla, these justifications are things like:

“I strongly support the company and its mission. Unlike almost any other big company on Earth, Tesla exists primarily to help out the human race. Surely worth a few of my spare bucks, right?”

“I can afford to buy it in cash without having to go back to work or anything extreme like that.”

“It’s the best car AND the best piece of technology in the world, and at least ten years ahead of the next best. Shouldn’t a lifelong tech expert like myself be taking a peek at the future?”

“It would be a lower-pollution way to replace some of my air travel, as the only car that can drive itself most of the time on long highway trips. PLUS, imagine the road trips I could take with my son! Mammoth Caves National Park! Lifetime Memories just like I have with my own Dad!”

“They are reasonably priced these days at “only” about $45k for a new Model 3 and even lower for a used Model S.”

In the past, my mind has made up similar justifications for other purchases like, “this lovely camera will help you create more engaging pictures for the blog.”, “this drywall hoist will save you a lot of time”, “you will make a profit by owning this high-end new laptop because it will encourage you to write more.”

And it’s not just me. As I’ve talked to more and more people about this, I find that most of us have some sort of Purchase Justification Machine running in the background of our minds. The PJM’s effects can range from very useful, like a carpenter buying a nailgun which will be used every day to make money, to completely disastrous, like the office worker who buys a $40,000 8-passenger Honda Pilot for his 12,000 annual miles of mostly empty driving on smooth roads, because “I need to make sure I can get to work in the winter, too.”

I like to fancy my own PJM as being at least a bit better than average, after all I have always maintained a slightly-less-ridiculous level of spending than the average middle class worker. Most of the things it has talked me into buying have indeed been things nailguns or reasonably good quality clothing that just happens to be from Costco or the thrift shop.

Yes, there was once a brand-new $13,000* Honda VFR800 sport motorbike which destroys a lot of my credibility, but that was in 2001 long before Mr. Money Mustache was born.

But I can TELL that it is really grasping at straws when it tries to justify that Tesla. And that’s why I thankfully still don’t have a Tesla.

The PJM has done its work well, but I try to stay ahead of it by tossing in my own list of objections, like throwing gnarly stumps into a wood chipping machine to slow it down.

“You don’t even have anywhere to drive that Tesla, dude! If you had a mandatory 20-mile commute and absolutely could not move closer to your six-figure job, that would be one thing. But you’re retired and you bike everywhere, so a car is only for camping and hiking trips. Wait until you are further along in the child-raising project and have more free time to take off for month-long road trips.”

“You can’t just leave a $40,000 car out in the searing Colorado sun to bake and fade and collect birdshit, but you also don’t want to sacrifice an entire bay of your tidy workshop garage for a car. So you need to at least wait until you build that master bedroom deck which doubles as a carport, right? So you’d better get out the post-hole digger before you sign into the Tesla Design Studio.”

“No matter how much you use that car, it will always cost more per mile than cross country air travel even with full carbon offsets. So don’t get lured in by the nearly-free nature of electric car charging.”

“Make sure you try it before you buy it. Rent a Tesla from Turo or from a friend and try your first road trip. If you still crave one after that first thrill wears off, then we can talk.”

See what’s happening here? In order to keep ahead of the relentless efficiency of my Purchase Justification Machine, I just need to throw up nice, rational roadblocks to slow it down.

But the reason this is so effective is that I’m not just flat-out denying myself that Tesla. It’s pretty hard to tell yourself that NO, you can never have what you want. Instead, I’m just telling myself what things need to happen first, before clicking “buy” on the Tesla website.

And if these things are healthy, happy things (raising my son, getting other labor-intensive projects done with my own hands, and planning a great future series of camping and roadtrips), I divert my attention into living a good life right now, instead of doing the easy thing which is just buying myself another treat.

And the further I can delay this or any purchase, the longer my money can remain productively invested in stocks, and the more it prevents my PJM from locking its greedy crosshairs onto the next little lifestyle “upgrade” that it will find.

But this trick is not just for jaw-dropping electric sports cars. You can use it almost anywhere in your own life.

Kicking the Kitchen Down the Road

A friend of mine loves to cook, and has been pining for a kitchen upgrade for many years to make this activity more enjoyable. And I can’t blame him – his kitchen is indeed dated, as is the rest of the house. But he’s also in debt and not climbing out very quickly. And too busy to do the kitchen upgrade work himself, because work and kids suck up all his time. Should he allow himself to upgrade this kitchen?

Yes!

BUT only after meeting a carefully considered list of conditions:

Quit Cable TV, Netflix, Hulu, Facebook, Twitter, video games, and other time drains. Because getting three hours of life back each day will give you more time to address other shortages in life.

Make sure you’re getting in at least an hour of outdoor walking and/or cycling every day. Plus, regular weight training. The joy of a new kitchen is nothing compared to the benefits of getting your heart, muscles and mind in better shape.

Use another hour of each day for cleaning, organizing and optimizing the house you already have. Is every drawer in the kitchen well-organized? Could you get more space by hanging up the pots and pans? Adding one of those large but simple heavy duty rolling islands with butcherblock top from Costco? What about just a super nice faucet for 80 bucks and a couple of nice track lights?**

How about the rest of the house? Are  the closets well-organized with optimal shelving? Is the garage spotless? Carpets DIY steam cleaned and rooms patched and painted nicely? Gardens and lawn tidy and peaceful?

How about the finances? Have you checked around for lower mortgage rates, home and car insurance, mobile phone plans, and canceled any unused subscriptions? Ask your friends what rates they are paying for all these things, switch to the best option, and you cut your bills by $500 per month, which will add up to pay for a kitchen pretty quickly.

See, instead of being constantly depressed because it will be years until you can afford that kitchen, you use it as a trigger to get busy and improve your entire life right now. Which gives you the feelings of happiness and control that were making you crave that kitchen in the first place. Or that Tesla.

And on that note, I am going to get out there and start measuring the post locations for my new deck.

In the Comments: what is YOUR Purchase Justification Machine trying to make you buy? Have you already bought the Model 3 or are you still milking the 2010 Prius for all it’s worth? How long are you going to push your current smartphone until you allow yourself to replace it? Sharing your battles will give others the strength to keep their own procrastination game strong.

  * I forked over $10,000 of my hard-earned cash as a 26-year-old kid in the year 2001, which is about $14,000 if you adjust it for inflation to 2019. But motor vehicles prices have risen slower than general inflation over recent decades, so I split the difference a bit here. But any way you slice it, this was a foolish purchase on my part!

** I linked to those because I have been using that particular track light everywhere in recent years – headquarters, home, and other projects. Way nicer quality/style than the options at Home Depot despite lower price. These LED bulbs are great for it as well.

from Money 101 http://www.mrmoneymustache.com/2019/05/08/tesla-procrastination/ via http://www.rssmix.com/

[easilymakermoney]

Prime Ideas For Crowdfunding Due Diligence – An Interview With CrowdStreet

This publish comprises affiliate hyperlinks.

Actual Property Crowdfunding has made entry to personal actual property offers a lot simpler. The issue is that with this ease, traders typically lower corners on due diligence. In an important market, this would possibly work out, nevertheless, in a tricky market this lack of due diligence may end in some critical points.

I consider that deep due diligence is completely vital for each deal irrespective of which platform you discover them on. Sure, these platforms have already executed their very own vetting, however as an investor, it is best to do your individual as properly.

So, simply how do you carry out this due diligence by yourself? Properly it takes information and expertise, each of which take time to accumulate. For that motive, I can’t discuss sufficient about the way to vet offers and sponsors on this web site.

I additionally like to speak to the professionals infrequently to see what ideas they may have to supply since they’re seeing tons of of offers come throughout their desks each month and solely enable a small proportion onto their platforms.

On this case, I requested Ian Formigle, the Vice President of Investments at CrowdStreet, to supply up his ideas on the present market, due diligence, and purple flags. He oversees the corporate’s on-line business actual property funding market with nearly 20 years of expertise in actual property, personal fairness, startups, and choices buying and selling. Get pleasure from!

Inform us just a little about your self.

Ian Formigle, VP of Investments

I’ve been concerned in the true property trade for nearly 20 years. Like many traders, I acquired my begin shopping for, promoting, renting, and promoting single-family houses. After a number of years in that area, I moved into multifamily investments and syndicated offers in Alabama, Texas, Oklahoma, and Kentucky.

In 2010, I had the chance to transition into business actual property personal fairness and have become a senior acquisitions officer with a gaggle that has acquired upwards of $5 billion of workplace, retail, and industrial property with a spotlight within the western United States.

I got here to CrowdStreet in 2014, because the #2 worker, particularly due to my work in CRE (Industrial Actual Property) personal fairness and have been overseeing the Market ever since.

There was a variety of discuss not too long ago about the true property cycle reaching its finish. Does that imply there aren’t any good offers on the market?

After all not! That’s analogous to saying that because the inventory market has had a tremendous run, there are not any shares price shopping for.

Nonetheless, a comparatively mature actual property cycle does imply that good offers could be tougher to establish. The CRE market remains to be so inefficient in some ways, and which means there are all the time good offers, truthful offers, and dangerous offers on the market.

Consumers of excellent offers can leverage these market inefficiencies to their benefit, transacting with a extremely motivated vendor or an undercapitalized vendor, as an example. 

What do you utilize as main standards to determine which sponsors/operators to accomplice with?

These are only a few of an important issues we take a look at when deciding which operators to deliver to the Market:

Stage of expertise: We search to work with skilled operators. Lately, the vast majority of operators we accomplice with have acquired over $1 billion of business actual property. Specialization: Not solely should the operators be skilled, however they have to additionally reveal a excessive diploma of acumen within the asset class–multifamily, hospitality, industrial, and so forth.– they’re proposing for our consideration. We need to know they’ve expertise delivering on this particular property kind. Professionalism: We pay shut consideration to the standard of the operator’s paperwork, the accurateness of their fashions, and the experience of their authorized counsel. Operators who come to the Market should reveal a excessive diploma of professionalism as a result of they are going to be interacting instantly with our investor base. Alignment with our Market Construction: Operators we work with have embraced our on-line mannequin for elevating capital and managing traders. We would like everybody to be totally purchased into the entire course of. Different operators, who could also be in any other case improbable firms, however look to a platform like CrowdStreet as they might another capital markets answer, will not be a very good match for our Market. CrowdStreet Market traders will not be a commodity–they’re high quality people and the fitting operators perceive they’ve a possibility to forge long-standing relationships.

What does it imply to be conservative in your underwriting?

Each professional forma, which basically means the mannequin for a deal of which one of many main outputs are focused returns, relies upon upon dozens of key assumptions to derive anticipated returns. Conservatism in underwriting typically boils all the way down to setting these assumptions at real looking and achievable ranges moderately than aggressive and speculative ranges.

Take an workplace constructing for instance. Conservative lease-up assumptions imply assuming that new leases for the primary yr are at charges which might be at or under essentially the most not too long ago executed leases. Conservative additionally means assuming that no new leasing happens for 6-12 months. On the flip aspect, assuming that vacancies will likely be leased up in underneath six months, and at charges which have by no means been achieved on the topic property, could also be potential but it surely’s definitely aggressive.

What are the highest Three-5 ideas that you simply give traders after they’re making an attempt to do their due diligence on a deal?

Primary, all of it begins with the Sponsor. Expertise counts so much in CRE and you may’t underestimate the worth of working with teams with a variety of expertise and know-how underneath their belt. As well as, essentially the most skilled teams, significantly these with robust long-term monitor information, search to zealously defend these monitor information.

Buyers also needs to search for offers the place the sponsor is a specialist within the proposed asset. It’s inconceivable for a sponsor to be nice at every little thing, which is why it is not uncommon to see them specialize, typically in each area and asset class. They know the nuances, can keep away from frequent pitfalls, and are higher geared up to unravel the issues are that inherent to that area or asset class.

One thing else to contemplate is foundation. The adage of “you generate income on the purchase, you notice it on the sale” typically interprets to getting good foundation –in essence, you might be getting the chance to purchase the asset at a reduction relative to the competitors.

And final however not least, debt. Debt is usually utilized to boost returns to fairness, in addition to lower the overall quantity of fairness required to shut a transaction. Sometimes talking, the extra debt, the upper the returns to fairness holders. The flip aspect of that is that the extra debt you utilize, the extra threat of loss you place on the fairness.  

Consider two properties, one which has 80% leverage and one with 60% leverage. If each properties have been to fall in worth by 10%, the fairness holders within the first property have suffered a 50% loss since they’re stacked up within the ultimate 20% of the capital stack. The fairness holders within the second property, in distinction, have solely incurred a 25% loss. Leverage actually issues with regards to draw back publicity.

What are a number of the main purple flags to look out for?

There are quite a few purple flags that may disqualify an operator or a deal.

Listed below are only a few:

Unprofessionalism: There’s no simpler approach for us to say no an operator than receiving paperwork and fashions which might be riddled with errors. If an operator can’t even accurately articulate the deal, how will they execute their marketing strategy? Overly aggressive assumptions: A professional forma, at its core, is a single finest guess as to how the proposed property will carry out over the holding interval. Due to this fact, the important thing in any professional forma is to set the bar at a degree the place the chances look favorable that the operator will beat its professional forma. When the chances look extra probably that the operator will fail to attain its professional forma, it’s time to regulate assumptions or stroll away. Inexperience: There’s nothing extra perilous for a deal than an operator who merely doesn’t know what they don’t know. For that reason, we glance to keep away from any situation the place the operator is inexperienced within the asset kind and/or its related marketing strategy. We take the method of “let the operator make its errors elsewhere after which come to us as soon as they’ve discovered their onerous classes”.

What are the most important ways in which CrowdStreet tries to mitigate threat, significantly on this a part of the true property cycle?

Once more, the listing is lengthy however simply to begin:

We’re all the time seeking to accomplice with repeat sponsors. They know our course of, we think about theirs, and traders prefer to see the identical names popping up. We’ve a choice in the direction of offers that supply extra cash circulate and focus much less on the fairness a number of on the sale. Having a greater understanding of the sponsor’s monetary power. We’ve a choice for longer-term debt wherever the marketing strategy helps it. Concerning asset courses, we now have set a better bar for resort properties and have prioritized workforce multifamily, self-storage, senior housing, medical workplace, and cell residence parks–all of that are recession resistant. We take into accounts geographies with stronger and extra resilient economies, i.e. people who export an abundance of products and companies in industries which might be robust, and are experiencing job and inhabitants development charges that exceed the nationwide common.

Last Ideas

Whereas there’s a lot to know concerning the technicalities of syndicated offers, what’s necessary to recollect is that professionalism, course of, and competence go a great distance. At all times hold your self forward of the curve by understanding precisely the way you match into a possible partnership whereas avoiding the purple flags.

Thanks once more to Ian Formigle for giving us some perception into what he thinks about day by day at work. What was a very good takeaway for you from the interview? Discover Passive Earnings Docs on Fb to proceed the dialogue. 

from Easily Maker Money https://easilymakermoney.com/2019/04/13/prime-ideas-for-crowdfunding-due-diligence-an-interview-with-crowdstreet/

[foulfurywombat-blog]

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"affordable cost health insurance for early retirees

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affordable cost health insurance for early retirees

affordable cost health insurance for early retirees

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What's the point of getting insurance?

It's not like the insurance companies ever pay you anything anyway.

""What is the average price of health insurance in Queens, New York?""

I am 26 years and turning 27 soon. I would like to know the average price of health insurance in Queens, New York? I tried getting some quotes online and all the prices are coming out to over $1,000 a month. Some of them more close to $2000. I didn't know the health insurance for an individual was this high. In this Case, I don't think any one who makes low starting salary would be able to get health insurance. I used to pay a little more than $100 a month when I had student health insurance. Also, I heard from one of my cousin(who is 50 years old)...that he pays less than $500 a month...Which made me get confused when I got the quotes online. Also, it is really difficult to get quotes online since they ask for personal infos. I do not want to give any of my personal infos. Can anyone please tell me if there are any health insurance plan ranging from $100-$400 a month? Thanks~""

Do I need my own car insurance?

I just got my permit (i am 18) and I heard that as long as the person I am driving with has insurance that I will be covered if anything happens. I don't plan on wrecking a car but I want to be safe and I want to make sure that it is required by law that I have insurance. If i do need insurance I have no idea how to go about getting it because I have gotten quotes before and they will only give you a quote if you select that you currently have your license plus there is no option for only having a permit. I have my permit in the state of georgia if that means anything

Which car's owner will pay more for car insurance?

Car insurance costs more for cars that can accelerate faster than 10 mph per second. Which car's owner will pay more for car insurance? A. A car that accelerates from 0 to 50 mph in 4.5 seconds. B. A car that accelerates from 0 to 40 mph in 5 seconds. C. A car that accelerates from 0 to 70 mph in 9 seconds. D. A car that accelerates from 0 to 70 mph in 8.5 seconds.

What is the most police can do or insurance company if i insure a car with the wrong age?

i would like to know what would happen if i insure a car say am 20 and insure myself as 30 years old (much much cheaper) what would the insurance company do if they find out and also if the police find out when i get pulled over in the roadside? is it fraud? what will happen to my license? fines? court?

Can relative use Insurance to get car towed?

Hi everyone. Had some trouble with my car in that it broke down 30 miles from home. The insurance company ( Halifax but outsourced to green flag) have told me that it would cost 160 as it is outwith the 10 mile radius ! So i had it towed to a local garage who tell me it needs a new engine !! Bad luck this car. I have arranged for a company to buy it back home despite being non-runner, so question is can my mum use her insurance to get it towed 30 miles free of charge ? Possible problems being that she might have to be at the car or they won't tow to the car buyer. Help please.""

Why do hundreds of thousands die every year WITH health insurance?

Should we ban it? Isn't this the same argument as Dems use when they say 45,000 die with no health insurance? It's not because. In fact, there was a study done. Here are the results: The possibility that no one risks death by going without health insurance may be startling, but some research supports it. Richard Kronick of the University of California at San Diegos Department of Family and Preventive Medicine, an adviser to the Clinton administration, recently published the results of what may be the largest and most comprehensive analysis yet done of the effect of insurance on mortality. He used a sample of more than 600,000, and controlled not only for the standard factors, but for how long the subjects went without insurance, whether their disease was particularly amenable to early intervention, and even whether they lived in a mobile home. In test after test, he found no significantly elevated risk of death among the uninsured. See that? No elevated risk of death among the uninsured? Do some of you get that you're being played yet? I'd love to see reform, but should we concentrate on the common sense Republican solutions to bring down costs?""

Car insurance for 17 year old?

hi im josh and im 17 years old can anyone tell me how to get a cheap car insurance quote from anyone. please help me??

Isn't it mathematically impossible for EVERY car insurance company to save me $300 if I switch to them?

I'm just complaining about the Lyin' Lizzards, so don't bother pasting in a car insurance website, and don't bother telling me that it's just advertising. First person who doesn't read this part is an idiot. And the first person to tattle on them in their answer gets the 10 points. Good luck! The hunt is on!""

About how will my insurance cost?

im 17, never been arrested and have passing grades. how much would it cost me to get insurance for a 91 camaro 5.7 auto with 135,000+ miles with statefarm. parents adding me to their insurance""

Medical insurance question?

Okay do you need to be a legal guardian to put a kid in your medical insurance plan? Please don't ask why(: oh and a kid that is not on a plan already.

How would this type of crash effect car insurance premium?

If your car was insured under third party and you crashed into a Ferrari and wrote it off, would the insurance company really have to pay the entire amount? More importantly would this effect your premium significantly even if you switched companies? Obviously it hasn't happened, just wondering thanks.""

Cheap UK car insurance companies for 18 year olds?

Im 18 and paying 2600 a year for a 1.1 peugeot 206 with insure2drive found on confused.com. Ive been driving for 6 months with no ncb but i have my parents on my policy as 2nd and 3rd drivers. Does anyone know any cheap insurers or know anything i can do to get the price down?

Will geico insurance rate go up from storm damage?

My car got hit from a piece of tree/brances and scratched and dent it a little, will insurace go up?""

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

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

Question about car insurance?

ok so im wondering if i get a car will worth 5000 will the insurance be the same on all cars worth 5000 like a mustang worth 5 k or a civic worth 5 k is the insurance the same on them?

Medical Insurance with an existing condition?

My mother is working two jobs, one of which she continues to work at because of the medical insurance. My mother is ready to slow her life down and give up her job that is providing med insurance. My mother is diabetic, and it is improbable she can be accepted for regular insurance with her condition. How can she get what she wants; stay covered permanently, and leave the job where she is getting coverage now? She lives in California.""

Advantages of IT on insurance?

I had got the topic Advantages of Information Technology on Insurance , please tell me what points i can say on this topic ... the main points that i should mention will be pleased if you could give me a few 10, 12 lines of speech on the topic ...in simple English""

""I am international student , i need to apply health insurance(Texas)?""

where should i go?(houston, Texas) what stuff should i prepare or anything i should biring""

Motorcycle and car insurance?

I want to get a motorbike but cant afford to run my car also. Put a question on here the other day about running a bike only all year round and been sort of put off by responses re winter riding. Is it possible to road tax and insure a car for half a year only and then for other half of year not road tax/insure it. During that period to insure and tax bike instead if put car on private driveway and not use it for that period? So basically run car half year in crap weather and bike other half in good? Whats the reprocussions insurance wise if thats possible? UK answers would be more usefull as thats where I live! thanks!

How much would motorcycle insurance cost for a teen?

Alright, so I'm 16, living in Ontario, but haven't decided what bike imma get yet, so can anyone give me a range of what it'll cost? Thanks in advance.""

affordable cost health insurance for early retirees

affordable cost health insurance for early retirees

Car insurance help!!?

i am just about to re new my car insurance, the cost without protecting my 4 year claim bonus is 550 and protected would cost me 800.. is paying the difference of 250 worth it? thanks""

Is this Auto insurance coverage seems good? p/s advice me . i am going to pay 107 a month for a year.?

Bodily Injury Liability $50,000/100,000 Property Damage $50,000 Uninsured Motorist Bodily Injury $15,000/30,000 Uninsured Motorist Property Damage or Collision Deductible Waiver Included Medical Expenses No Coverage ************* very scars me how come i am not covered****** Comprehensive Deductible $500 Collision Deductible $500 Rental Car Benefit No Coverage Towing and Labor No Coverage Gap Coverage or Loan/Lease Payoff Coverage Not Included Repair or Replacement Cost Coverage Not Included ************ how about this******** Special Equipment Coverage Not Included Lienholder/Additional Insured""

If i change my car insurance will my lien holder be notified?

I want to change to a different insurance company and have a an auto loan through my bank so my question is if i change will my bank be notified? I know it is wrong but for a few months i only had liability and if they are notified they can take my car if they see i didnt have full coverage right? I want cheaper insurance but dont want to get in trouble!

How much would auto insurance cost me?

I am 19 years old and I do not have my license yet. I have been holding of for a while because I know that I will not be able to afford the insurance right now. My dad does have insurance and when I do get insurance, it will be on his policy. Although I know it will be alot because I am a 19 year old male, I really cant guess how much approximately it will be. Also, how much would it be if I were to get my own car and car insurance? ( something small and used, nothing fancy). Any help would be great. Thanks in advance""

""Car insurance, help!?""

I'm 21, fully comprehensive insurance, new '09 plate car, my car insurance costs me about 300 per year. I am going away to Alton Towers next month with my partner and two friends and I was wondering what is the cheapest way of going about insurance to enable them to drive my car for the 2-3 day road trip down there and back. We want to split the journey between two of us as it will take about 6 hours there and 6 hours back so we were going to do 3 hours each there and back. We're taking my car as it's the only reliable one and the most spacious. The two people possible for driving is a 19 year old boy (im guessing the insurance will be way too high for him) and a 19 year old girl. They both have their own cars and their own insurance and have both been driving for 1 - 2 years. The girl will be 20 when we actually go down there but she is fully comprehensive on her dads insurance. What can we do? And please don't suggest I drive all the way as I've done it before and I said i wouldn't again as it was just too long to concentrate on one big stretch of road, even with a couple of stops. Thanks people! x""

Need insurance to cover pregnancy?

Does anyone know of insurance companies with coverage in Georgia that will cover a pregnancy without having to wait a year? I make too much money to get Medicaid so I really need some help. I can't exactly afford to pay out of pocket for every expense. Thank you.

Truck Insurance CHeaper then car insurance for a male?

is truck insurance cheaper then car insurance for males, and why?""

Insurance sells up or down?

This is a question addressed to current ly licensed Insurance agents abroad; therefore, my question is concerning the economy crisis we Americans are facing right now and with that, is Life & health Insurance coverage on the fall or rise? I have been waiting to start this career but not too assured that right now is the best time for this.""

How good is military insurance(Tri-Care) for maternity care?

My husband is in the military. I've never used the insurance, but I will need it now that I'm 6.5 weeks pregnant. How's the coverage?""

How much money would I save on car insurence?

I have a 16 year old who I am debating whether I should put him in driving school to save money on insurance when he turns 17 and gets a licence. It would be added to my insurance. about how much money would I save on car insurance with a behind the wheel driving school in New Jersey? Please dont give me wbsites with a free quotes.

What is the average cost for an sr22 insurance?

what is the average cost for an sr22 insurance?

Legal question about car insurance.?

My son was at a party, an aquaintance asked for his car keys to get some drink out of the boot. He then stole the car and crashed it. Only a provisional licence. The car, which is a company car, is a right off. The insurance company are saying that they may not pay out. Who ultimately is responsible.""

Is there some kind of insurance I can buy for my pit bull while renting a home/apt?

I'm not looking for housing, but I know how difficult it is to get while owning a dog over 25 lbs and a pit bull mix to boot! Is there a type of insurance that I can get that will over-ride or cover whatever it is in the commerical insurance that makes people reject me for my dog breed? I have read somewhere there might be, but I don't know what it is and what was the experience with using it? I'm wondering if it's something I should get now and have a history of having or just get when I need it.""

""Cheap dental work without insurance in Oregon, Gresham?""

Cheap dental work without insurance in Oregon, Gresham?""

What is the best medical insurance for already pregnant woman?

I have to purchase my own health insurance because I left my job recently only to discover that my small group aka my employer doesn't cover COBRA, when you leave voluntarily. At the time we had a makeshift HR dept. so I can't really blame them for not knowing...anyway , now I have to seek out my own insurance and I want to know what is the best plan out there since I am coming out of pocket. I can't have OB care until I get this. Please don't judge me I was a working executive assistant for a small company and decided to leave to pursue my dreams and get out of the rut of a comfortable job without a future! Help, thank you!""

Info About Car Insurance Needed?

Why are these 2 cars so different on insurance: Cheapest price: 1781.36 VOLKSWAGEN GOLF CL 4+E 1595cc Third Party Only cover, no NCB 250 Voluntary excess requested and Cheapest price: 3006.11 SUZUKI ALTO GL 993cc Third Party Fire & Theft cover, no NCB 500 Voluntary excess requested the 1st one has almost twice the size engine than the 2nd one, and the 1st one is almost half the price than the 2nd one oh and the 1st one is a bigger car all together too... someone explain please?""

Buying a car from a showroom. Insurance?

I am collecting a new car tomorrow from the dealership. Do I need to phone and pay for the new insurance at the showroom before I drive off, or is it allowable to take it home and do ...show more""

Is motorcycle insurance manditory in california?

if you own the bike?

How To Create An Insurance Plan?

This family of four consists of a mom, dad, a twelve-year-old girl, and a sixteen-year-old boy. The family is about to move into a new house. They also own two cars. Help the Martin family create an insurance plan. An insurance plan simply lists the types of insurance they have or will be purchasing. The plan may also include some details about the insurance. For example, it may list life insurance worth $500,000 or health insurance with ABC Agency. For your assignment, create an insurance plan for the Martins. Create an insurance plan. As you create the plan, think about all of the risks this family faces and how they can protect themselves from financial loss. Next to each type of insurance that you list in the plan, write one to two sentences about why you think they need this insurance. I'm not sure how to create an insurance plan, can someone give me some guidance? Thank you.""

Will my insurance cover the wreck & my car?

My boyfriend was driving my car and he's not under my insurance plan only me and my mom are and someone thought we were riding their *** so they slammed on the breaks and we slid right into their car and he rolled down his window and laughed and cussed us out then drove away. and my car is totaled. will i have to pay all repairs? or will the insurance cover it even though someone else was driving my car? (i know if the insurance pays i will have to still pay a deductible)

""How much would car insurance be for a f, pa, 16?""

how much would pa car insurance be for a 16 year old, female driver car suggestions: -mustang -X3 or any car on the hyprid/luxury end?""

Is it possible to get insurance for a couple of months for 18 year old?

I passed my test a couple of months ago and really want to drive for summer, but I can't afford a car at the moment. Is it possible to get insurance on my mums car for a couple of months? as I go away to uni in September, possibly as a named driver? thanks.""

Where can i get the best & affordable health insurance?

company does not provide it anymore. where can i get the best and affordable health insurance that i pay for myself. thanks

Do I have to add my roommate on my auto insurance policy?

My roommate and I each have a car but we don't share the same insurance policy. He has his own and I have mine. I just got auto insurance for my new car and the agent was telling me that I should add people living with me, but his driving record is bad and I don't want it to raise my premium. The agent said that anyone who doesn't live with me can drive my car and they'll be covered, but because my roommate lives with me, he won't be covered even though he has a different policy.""

Why is insurance so high on the scion tc?

what is the best/cheapest insurance out their for the scion tc and why is it so high?

affordable cost health insurance for early retirees

affordable cost health insurance for early retirees

https://www.linkedin.com/pulse/insurance-question-re-first-time-buy-brandon-welch/"

[blog-optimisticcoffeestuden-blog]

Columbus Ohio Cheap car insurance quotes zip 43266

"Columbus Ohio Cheap car insurance quotes zip 43266

Columbus Ohio Cheap car insurance quotes zip 43266

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

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Shall I buy Loss Damage Waiver (LDW) at car rental?

I have car insurance for my Honda compact car via Geico. I need to rent a car at an airport for a small vacation. When I rent the car from Hertz or Enterprise or Dollar, shall I buy the Loss Damage Waiver (LDW), which is about $10/day ? I already have insurance on my car and the insurance company said that my existing Geico coverage will be transferred to the rental car. So it really so? Just wanted peace in mind and I do not want to spend unnecessary price either. Could you please comment? Thanks a lot.""

I have 10 years old car and 1200cc and international driving licence. how much insurance to pay in london?

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Car insurance company's do they make you angry!!!!?

My car insurance compnay (Hastings Direct ) dont use them there sh!t, anyway on the 22nd april I asked for them to send my Insurance certificate as I only had a temp one that ran out 2 weeks before the date I needed to tax my car wich was 31-5-06, but i never got it so I rang again on the 25th of may and they said there sorry but forgot to send it in april & said we will sent it today . still not got it and my car tax ran out on 31st! rang again today and asked were the hell is my insurance certificate .. there reply oh it must of got lost in post we will send it out today!! how bad is that!!! has this or anything like this happen to you.? if so what compnay s I know not to move to them""

Insurance for a minor?

Ok im turning 17years old and i am going to buy a bmw m3 2003 Whats the best way i can get insurance, i dont know how exactly it works but i wanted to go under my dad. what is the cheapest and best way to get the insurance for my car. and how much will it cost""

What should my average house insurance cost?

I'm buying an older house (1920's-1930's) in a working class neighborhood in California for about $200K. What should I expect to pay for my standard homeowner's insurance?

Can I get separate 6 month car insurance for 2 vehicles?

I live in Vermont want to drive ONLY my Kia Spectra May-October, and ONLY my Ford F150 from November-April. I want to save money by having an insurance policy that covers each car for these 6 month intervals vs. insuring both year-round. Do car insurance companies typically offer this kind of coverage? I would ask around, but the insurance companies are so aggressive I can NEVER call for a simple quote or answer without extreme sales pressure.""

Whats a cheap major health insurance plan?

im paying way too much right now and need a cheaper plan

""If someone else drives my car while I'm in the car, but they're not listed on my insurance, is this legal?""

My boyfriend and I are over the age of 25 and live together. We are not listed as drivers on each other's car insurance policies, so I was wondering if it's legal for my boyfriend to drive my car while I'm in it or for me to drive his car while he's in it. If we get pulled over or get into an accident, are we covered by the other person's insurance? Will we get in trouble for not being listed on the insurance of the vehicle we're driving?""

Car insurance question?

In Georgia, if you let someone borrow your car and they get a speeding ticket, does it make your insurance go up too since it happend in your car?""

We are looking for cheeeep insurance?

What is the cheapest insurance available out there?

Fog lights Car insurance?

Hi I have got a mazda 2 I was just wondering how much extra on my insurance it would cost to put some fog lights on my car

How much does renters insurance usually run?

I'm 25 and this is a pretty new concept to me. My new landlord (a management company) suggested that everyone get it For our own Protection. I just need a ball park number. Thanks.

""If you have insurance and someone else in your house gets a drivers license, does it make your rates go up?""

This makes no sense to me, but my boyfriend and I are getting our licenses and since we're 19 and have no driving record, our rates are going to be very high, so we were just going to put the car and the insurance in his moms name and just pay her, but she said that when we get our licenses at her address, it will make her rates go up automatically, because there are other people in the house with a drivers license? Is she just BSing me or is this true??""

I'm a 17 year old guy wanting to earn some extra money to help pay car insurance what can i do?

I'm a 17 year old guy i'm looking at an extra way of earning some money sensibly to help pay towards my monthly car insurance i already hold a day job any help would be appreciated thanks

Is it worth getting insurance?

Is it worth getting insurance on my KTM Duke 125? I'm 16 years old and just a beginner and I don't know whether I should get the insurance. The only thing I'm scared of is that someone will steal my bike. I live in Europe.

What is the process of renting a car through your insurance?

Im calling about it tomorrow but I just dont want to sound completely clueless. So how does the process go for this? Does the insurance just tell you where to go and when to pick up the car and you just go get it or is there more??? This is assuming insurance pays for it completely.

How can i get birth control for cheap without insurance or medical card!?

so i'm 20 years old turning 21 in about a couple months in Illinois and i just recently became sexually active like three months ago... i'm worried about pregnancy so i was thinking about the pill but i dont have medical insurance and no medical card to pay for it.. does anyone know how much the first exam is and how much the pill is!? Or where i can go get help paying for these things?!

Motorcycle insurance for a 17 year old?

i Live in Texas and I'm gonna get a yamaha and it's a cruiser and has a 942cc engine, would my insurance be crazy exspensive or reasonable?""

Is Obama gonna make health insurance more affordable?

Is Obama gonna make health insurance more affordable?

What is the cheapest insurance for a teenager?

I'm currently 18 looking for the cheapest possible insurance on my car

Insurance company monitoring equipment?

I'm almost certain this is a start of a way to increase your insurance rates

Hawaii: Which Car insurance company do you like in Hawaii?

I plan moving to Hawaii. Which car insurance company do you like? Why? Also, which company don't you like? Why?""

Are VW Polos quite cheap to insure?

I'm looking for my first car, and I know which cars are cheap to insure, but was wondering whether VW polos are cheap to insure, as I seem to be getting quotes ovr 2000 for majority of the cars I'm browsing. I know that polo's are fairly cheap and reliable and I love them :) Thanks.""

How to provide proof of auto insurance?

How to provide proof of car insurance? I have been offered a generous stipend for graduate school. One of the documents they ask for is proof of car insurance. Does anyone know how I can provide proof of car insurance? (I know for a fact that my parents have bought car insurance). It would be helpful to know what document I should be looking for, what it looks like, is it just my AAA card or is it a form. Thanks a lot for your help!!""

How much would car insurance cost for me?

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Columbus Ohio Cheap car insurance quotes zip 43266

Columbus Ohio Cheap car insurance quotes zip 43266

""Howmuch would a110, 000 $ home insurance cost?""

Howmuch would a110, 000 $ home insurance cost?""

Car insurance on Mitsubishi Eclipse?

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""How to significantly lower my car insurance, just got fired, can't afford more than $50 or so a month...?""

I'm only 18 and I was just fired from my first job, I worked there for 8 months or so. I still live at home and don't owe any money on credit cards, so my only real problem is car insurance/gas. My parents refuse to help me at all. I currently pay $133 a month in car insurance; I have Statefarm. I've been driving for a year or so and have been in 1 fender bender, my insurance didn't even go up because of it. I've been paying my own insurance for a few months, maybe 6 or so. Is there anyway I can lower my car insurance? One of my friends only pays $80 a month and he's my age. By the way, the car is a 2004, dark blue, not flashy, four door car. If the type of car matters at all. I'm not sure what the $133 a month I'm paying covers, but is there anyway I can pay less and have it cover less stuff? I'm a very safe driver and have never been in any type of accident my entire life (the fender bender was my boyfriends fault -- he was driving my car, not me). I live in Virginia. Is there like a $50 a month option or something that doesn't cover me or the person I hit if I were to get in an accident, and the $50 a month is just so I don't get pulled over and charged with driving without insurance? I need some options because I have very limited funds and I'm not sure how long it will take me to find a new job. Thank you for any help!""

I'm 16 years old and looking for a cheap scooter(ped) or scrambler...how much is the insurance on them. :-)

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What's the average penalty for driving without insurance in England?

What sort of fine, and how many points?""

Insurance company for getting car out of compound?

I have full licence but need to get insurance company to cover to get car out of police compound

Was it wise for me to cancel my car insurance?

I had gotten into an accident. ICBC says it's 100% my fault, and I did just file an injury claim for myself and my family members that were in the car with me. I don't think my car is drivable, but if it is, then it's not worth fixing because I don't have collision and it would cost more to fix than how much I had bought it for. What I did yesterday, was cancelled my car insurance. But I was just talking to someone who told me that it wasn't a good idea to do that. And now I'm doubting myself. Will this be held against me? The person in the other car claimed injury and her car is also damaged. Did I just dig a deeper hole for myself?""

What is the average cost for insurance for a 16 yr old?

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Is there insurance for?

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Insurance for a 17 yr old girl?

How much would insurance be for a 17 yr old girl in a mustang in NY? I took drivers ed, btw. Or insurance for any car, doesn't have to be a mustang.""

How much does car insurance cost?

I'm looking at a car that costs about 2,400 dollars. It's a 1997 Toyata Camry. It has about 147,000 miles on it. How much insurance would I have to pay. I live in PA and I'm a 20 year old dude so I assume it's expensive. Also is 147, 000 miles a lot for this car...or is the camry super reliable?""

I dented my friends car. can my insurance cover it?

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I'm driving uninsured. We can't afford our vehicle insurance. Is it nuts to drive out of town?

Please settle an argument between my husband and I. We drive in our town back and forth to work, and I feel ok with that. I want to rent a car tonight because we have to go to an interview. It's about 2 hours away, down a highway strewn with police. I think it's crazy to try to drive in our vehicle, uninsured. He doesn't want to waste the money on a rental. It's a $5000 fine if we're caught - plus I'd likely lose my job (can't have a police record). How far would you drive uninsured? I don't even like driving in town - but we're a few months away from being able to afford insurance. Opinions please.""

Health insurance transplant patients affordable?

affordable prescription meds. for transplanted patients plus affordable health insurance for same.

New Insurance coverage?

ok im having a really hard time calling these people and getting no answers. its plain and simple. I have health insurance through my mother. I recently had a baby and i was told he will only be covered for 2 months and after that i will have to get his own coverage. Now the question is this. I want to get my own insurance so he can be under my name, meaning i want to be off the one my parents have me under. is that possible? and if otherwise, would i have to put him under my moms or what?""

Looking For Auto Insurance?

Im needing help looking for auto insurance. I just got dropped from my fathers insurance company due to the fact that ive had 2 accidents and three speeding tickets in the last three years time. Yes i know thats bad and im not looking for the smart comments i just really need help with any insurance companies that anyone knows of that will consider covering me. Thanks so much for your time.

Pregenant without insurance!!!?

Pregenant without insurance. What are the options? Would hospitals allow payment installements? Definitely want a safe and equiped place to give birth at. Any idea what it will cost about? We are in the NY metro area. Feedback please.

Something in lieu of insurance?

I have been working part-time for a company and about to become full-time. One of the concerns that was raised is that insurance will be expensive. He pays 100% of everyone's insurance for their families. I suggested that we can revisit the insurance in a year and do something else in lieu of the insurance. Less costly. He also pays for parking for the employees. I'm not sure of what to ask for though. I was thinking a gas allowance but I wanted to have a few ideas to present in case he shoots one or more down.

High School Sport Insurance?

If i want to join track for high school as a freshman and i don't think i have health insurance... do i need it to join?

Do you have too get insurance on rentacar?

do you need insurance on car rental

Why do wives have to be on husbands car insurance?

I have been under my parents car insurance for my whole driving life and now I am married. My husband is a new driver in the USA, and because we just bought a new car, we have to be ...show more""

What medical insurance is cheap in California? ?

Is there medicaid n Cali ? Or just Oklahoma

Affordable medical/prescription insurance for a heart transplant recipient.?

I had a heart transplant 10 years ago, and I am looking for a more affordable insurance plan, currently I use Cigna, and they're running me over $400 a month, plus a $50 dollar fee per prescription I am on, which runs me another $250-300 dollars every three months. I just recently graduated college, and am 24 years old, so my father's insurance at work no longer covers me. I'm not very familiar with insurance plans, but I would obviously need one that would accept my pre-exsiting condition of a heart transplant, and have a prescription plan, cover doctor visits, emergency care and anything else people can recommend that would be important. Thanks so much!""

What would be the cheapest insurance for a 1992 camaro?

What would be the cheapest insurance for a 1992 camaro?

Stopped for no car insurance but we do have insurance car seized not fair?

11.30pm last night pulled over said no insurance.Did not have insurance document in the car,just the license.Because of the time they seized the car because they could not phone the insurance company.Told them only way i can get proof is bank statement as i was 20 miles from home,but that was still not good enough.I have paid insurance by direct debit for the last 2 years and no problems.so i am well cheesed off this has happened. Have produced the lenience at local station,and shown them documents,they phoned the insurance company and have now give released papers to pick up the car.I am very unhappy with this whole situation and now out of pocket. Is there anyway of claiming the costs from police or insurance company,whoever it is to blame,as there is no way i can be liable for something i am paying for,and to pay 30in taxi fares another 20 to get to the car compound and another 170 to release the car.There must be a way i claim this money back as i feel i am in the right.plus have to fight the 200 fine and 6points also totally unfair and messed up situation this is. I just can't except the inconvenience and the costs that i have to pay when i am legit on the road.surely i can claim if anyone knows""

Columbus Ohio Cheap car insurance quotes zip 43266

Columbus Ohio Cheap car insurance quotes zip 43266

Recommended auto insurance in us?

Specifically NJ. have some points. Any help on which would be cheapest?

Who pays $200.00 for car insurance?

I just got a Nationwide quote for car insurance and it was over $200.00 for the monthly payments. Im just now getting my own car/car insurance(in my name), Im a female in my mid-twenties, had my first two speeding tickets last year. Plan on getting a 2007 Pontiac G6, and I will be driving it to work and school. is $200.00 a normal monthly amount to be paid for me?""

Do we qualify for medicaid?

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

Who does the cheapest temp cover car insurance?

Who does the cheapest temp cover car insurance?

How much would I have to pay for car insurance?

I'm 18 years old and I just bought my first car and have no legal driving experience. Dose anyone know what's the most money I would have to pay for insurance?

How much would car insurance cost??????

16 yearold female in north carolina....how much would car insurance be for a pontiac solstice and a jeep grand cheerokee both paid off. give me amounts not wesites'

Couple questions on motorcycle insurance?

So I recently just bought a motorcycle 07 Yamaha R6S. I'm 19 years old and first time rider. I financed the bike under my name. My parents have Allstate and I'm under there insurance for the car insurance. Can they add a motorcycle under their insurance or do I have to go on my own? If so, how much is full coverage on a bike for a 19 year old? I have 1 ticket on record. Would I be able to just get liability? I live in California. Any advice would be helpful.""

I need as much help and info about mopeds (UK) as possible please!?

What are the best types/ names of mopeds suitable for a girl? Do you have to take a test or lessons to drive a moped? If so how much does this cost? How much on average would insurance be for an 18 year old first time driver for a moped? How fast can mopeds go, and can you drive them on motorways? Any other useful information would be appreciated, thanks if you can help!""

Honda city - 4 wheeler insurance -?

for a new honda city 2012 model, what will be the yearly insurance for it. for 31 yr old with 2 yrs of 4 wheeler driving record how to shop for cheap 4 wheeler insurance...and what to look for while buying it this is in chennai -""

Looking for an insurance company to insure me using VIN/chassis number?

I have bought a beeline Veloce GT50 49cc scooter (still in shop till insured) i cant get plates on it until i give them my insurance documents but im finding it hard to get an insurer to insure me online using the VIN Number / Chassis Number. so im stuck in a loop. no bike untill insurance is had and no insurance untill licence plate number is inserted onto online forms. This is for uk provisional so no answers from outside of uk please. thanks

Affordable Car insurance for an 18 year old male?

So I did a quote on several sites (Progressive, Esurance etc) and the quote comes up to about $2,000 a month, $8000 for a 6 month policy!! This is crazy, it is twice as much as the value of my car!! Where can I find a quote for a lot less maybe $100 a month or something? My mother does not drive and I am the only driver in the house so I can't use her. Mazda 6i 2004 6Cylinder I am a full time student and worker""

How much is car insurance for a new female independent driver in the UK?

I was just wondering how much it costs for a new female to get insurance on a car .. anyone have a ny ideas ... and is 1.1 L engine big enough for a new driver answers needed asap please !! xx

Child custody in california?

my husband wants me to have full custody of child but is it possible for him to have visitation rights for child in summers? and the non-custodial parent doenst want to pay any child support? is this allowed in california?

How much can you borrow from your whole life insurance?

I know it doesnt have any cash value until about 3-5 years and that you cant borrow the face value of the policy. If i took out a 50,000 policy on my daughter , in about 5 yrs what could I borrow from it if the premium is 30/month? What % of 50,000 could I take out? i dont want to hear anything about kids dont need life insurance. I am taking one out on myself as well anyways. I need exact figures not guesses.""

Question about car insurance.?

my dad has never been in a car accident or anything of the sort. 4 months ago we got a 2005 dodge ram rumble bee. i was really confident about my driving. but today i was exiting on a freeway and the car in front of me stepped on the brake real hard and i had no choice but to swerve outside the lane. i didnt hit anything else but the bottom of the front bumper kinda got wrecked and bent. i didnt hit the car in front of me or anyone else and i gained control of the truck and slowly got back on the lane. so if my dad reports it to the insurance how much will it go up?? he told me not to speak of this to anyone and he was gonna say it was him that it happened to. please help. what if i replace the bumper and dont report it? should i even report it?

Help with approximation on how much an 18yo would pay per month (or year) for motorcycle insurance?

Ok so I really want to get a motorcycle (I dont even have my drivers license yet just my permit and will get my license within a month or so). I may be getting a full time job and want to make sure I can afford the motorcycle. I have factored in everything except insurance. I plan to get a Standard (since sports would probably cost me more on insurance) bike with about 1000cc. Also I will be taking a safety course (AT LEAST beginners but ill probably take more than that). I live in California. The bike will be used. So about how much will insurance cost meA?

I got into a car accident and i have no insurance?

I rear ended this woman at only 20 miles an hour, she had absolutely nothing on her, not even a scratch . I have no insurance so she didn't call the police. Then she called this weekend she said her mechanic said it would cost over $500 because her air bags needed to be replaces due to this accident. Is she just trying to play me and did I have anything to do with those air bags? I decided she was lying to me, and decided not to pay. She then calls and says she's calling the police and reporting it as a hit and run, and calling a lawyer.""

How much does insurance for a motorcycle cost?

I currently don't own a motorcycle but am curious the cost of insuring it. I live in Vermont so I would only be riding it from June to September. I would probably be riding a 2002 Yamaha YZF R6.

High School Sport Insurance?

If i want to join track for high school as a freshman and i don't think i have health insurance... do i need it to join?

How much would the insurance be?

Hey all! I'm a first time driver, 18 years old and am going to buy my new car in a month's time. I'm also aware that the insurance takes a big bite out of my budget too. I have a 10,000 budget ($15,840) and I want to buy something like a Chevrolet Camaro V6 3.4 or 3.6, a Cadillac CTS 3.6 V6 or some Sort of toyota mr-s, or something similar. about how much would the insurance be for these particular cars? I also live in London.""

""A question about car registration, insurance, etc?""

If I purchased a used car from a private seller, or even a dealer, the title was given to me and I go to the DMV to register it under my name, etc what happens next? Am I allowed to drive the car while waiting for the registration tags to come in and for me to find insurance for the car, or is my car supposed to sit in my driveway until all the registration paperwork with the DMV is completed?""

Which company offers the best priced automotive insurance? I have a teenage driver and the rates are killing!

I have seen many ads for GEICO but I do not know anyone that has tried them. I currently have PROGRESSIVE but do not think I am getting a great rate with them.

How much would car insurance be for my 16 year old son?

I bought him a 2011 corvette zo6 its fully paid for.He works at a fast food restaurant as assistant manager.So what car insurance should I get for him and how much would it cost

How expensive is it to live in California?

I live in a small town in Ohio. It's like lower middle class. I really want to go somewhere else with more people and more exciting with more places to shop and stuff. I hate Ohio and don't want to live here. I have a dream to be a fashion designer and start my own business and I want to go to California for a Fashion Design school. It was between New York and California but California seems more exciting and less crowded than NY. My parents don't think it'll ever happen. They always say it's too expensive and don't think my cousin will make it out there, who is going out there pretty much for like drug reasons. My brother went out there when he was younger with his friends, they drove there and he lived on the beach than came back. So, exactly how expensive is it in California? Food, clothing, gas, living, price differences? Is it really crowded like in Los Angeles and San Franciso or bigger cities where colleges are?""

Will my car insurance cover this?

My car was parked in a parking spot at my apartment complex last night as it always is when I'm here, and this morning I go to my car and notice a decent size dent in my hood. It must have been done by some rowdy drunken fools last night. Will my insurance cover this?""

Columbus Ohio Cheap car insurance quotes zip 43266

Columbus Ohio Cheap car insurance quotes zip 43266

Does anyone know where I can buy affordable motorcycle insurance online?

I prefer one that will provide same day proof of coverage. My hubby was stopped on Friday after work and we need this as soon as possible. Thanks!!

Do I have to have a job that offers dental insurance to get it?

how do I find an easy and affordable dental insurace that will aceept people that are self-employed?

Cheapest car insurance?

Whats the cheapest car insurance for a teenager? Permit .....

Car insurance for a Nissan 350Z?

Would it the car insurance be expensive for the Nissan 350Z if my parents bought it? But its for me. Yes, they're older than 25 :p and they own a car of their own. But this would be my first car, of my own. Not me driving theirs everywhere. lol. Cause i heard something about being a first time driver or whatever, being a teen and under the age of 25 with a two seater car that insurance can be hectic? But im not paying for it. And i can't make up my mind between the Audi TT or the 350Z. But i will start paying for it when i get a job, 16th birthday isn't to far. Which would you choose and why?""

Hi my partner is learning to drive she has bought a car the insurance is expensive for her can she get?

full insurance through someone else

Auto insurance for a job?

I got offered a full time job delivering for dominos. I need to know what to do about my insurace. My boss told me to raise my minimums and thats it but my mom has been yelling at me about special insurance i HAVE to get blah blah. So what do i really have to do? My insurance now on my suv is 120 a month but the quote from progressive is 5700 a year for commercial do i really have to triple my insurance for this...

If i get a cheap car will my insurance be cheaper or more expensive?

i have a car that i can have given to me it is about 5 years old but cant aford the first years car insurance out right if i sell it and gt a cheaper car will the insurance be cheaper or more expensive because it is an older car? i say this because if so i can sell the car i have and use the money left over to pay for the first ears car insurance. p.s i am a teenage driver which is why im trying to save as much money as i can!

Home Insurance/Replacement Cost of Manufactured Home?

Is it normal for a manufactured home to have a lower replacement cost limit calculated from a cost estimator than a normal home?

What's the cheapest sr22 insurance in Alaska?

I know you can't get a quote without prying, but I was hoping someone on here could help me.""

Can a lender file a claim against your insurance company after repossession?

My car was repossessed on 9/11. I attempted to get my car back..but Wells Fargo played games..such as saying the car is on its way to the auction...no, its still there and we can't place a hold on it..it leaves for the auction in a couple of days. So, I went and got me another car. Now, today..I find out that they are filing a claim for the very day that they took the car. The claim was filed at 1:06 today. However, the car was not insured on that very date. Also, I had to sign some papers to reinstate the policy to the effect that no claims would be filed because NO accident occurred. Will the lender be able to file against my insurance policy under these circumstances?""

America - Are you legally required to get Car Insurance?

In the UK you can't go on the road without insurance, is this the same in america?""

""I want my own car insurance, but don't know who to use?""

I had my own insurance when I first started driving, 7 years ago but then for whatever reason I then went on to my mums. Are there any decent insurers out there that wont be so highly priced? My mum currently pays 562.00 ish with me on hers. I have found myself one with her as a name driver for 555.00. Apparently it is cheaper with her on it. She is legally the owner anyway. She has no convictions or anything and has no claims, not sure how many years and has another car she uses. How much should I be expecting to pay? I've been driving for 7 years. Any help would be much appreciated.""

Car insurance help please!?

What would the difference be in car insurance for a new Ford ka, Toyota Agyo and a Toyota Yaris. All of these costing about 8,000/9,000, with two drivers who have about 40 years of driving and one person who is learning to drive but it will be used mainly by them once they have passed their test. Car being kept on a street and being used for personal use not business. Also any opinions on the above cars, and figures if you can on what the cost of insurance would be will help a lot so thanks in advance! Many websites havent had the new ka listed on them so i cant compare.""

Why do people in the US waste money on car insurance?

There are 5 states such as California where 25% of the public has NO car insurance...while the rest of the country has an average of 7% uninsured. Obviously no one is enforcing insurance so...why bother getting insurance at all. Isn't it cheaper to have none..and more un-American to have it? After all, Americans generally think they should not have to pay for anything, so why pay for anything at all?""

What should I expect to pay for car insurance?

I am 18. I got my permit in March 2011 when I was 16 and I got my license this month. I will be taking a defensive driving course, the 5 hour course and I might also take a course with a driving school to reduce insurance cost. (I live in New York) I have enough money saved up to lease the car I want but the insurance seems like it will be very steep. The cars I'm looking at are a: 2012-2013 Mercedes Benz C300 4MATIC 2010-2013 BMW 3 series or 5 series What can I expect to pay on insurance based on this information and do you think I'd be able to get a quote for $400 or less? Also, what type of car do you have and how much do you pay for your car insurance?""

How much is motorcycle insurance for a teenager?

Im 17 and want to get my motorcycle license but i have a speeding ticket and an accident on my record. Anyone know about how much insurance would be?

Does your car insurance rate go up if you get a seat belt ticket in illinois?

Does your car insurance rate go up if you get a seat belt ticket in illinois?

""If you do not have health insurance, what is the most affordable and safe way to get a knee replacement?""

If you do not have health insurance, what is the most affordable and safe way to get a knee replacement?""

About life insurance?

i am 35 year old and i have one daughter of 1 year.i want to take policy for myself and for my wife also.we both are in govt jobs.plz suggest me best policies

""I have experience working in the health insurance industry, now im wondering what job I could apply for?

I worked as a medical case manager at an insurance company. We were a 3rd party company. I did phone interviews with people applying for individual insurance for several ...show more

Ne 1 know a cheap 4x4 insurance company?

Ne 1 know a cheap 4x4 insurance company?

How much does it cost to fill up a 2008 Chevy Malibu and how much is the insurance?

How much does it cost to fill up a 2008 Chevy Malibu and how much is the insurance?

Can a cancer survivor get Life Insurance?

I am a cancer survivor, one time it was stage 3 and recently stage 1. Two different cancer. I am considered cancer free and healthy. I worry for my children and do not want them to be left alone w/o money in the future. Their dad left us during my first cancer diagnosis for another woman. He rarely contacts his kids, I do not know if he will be there for them in the furutre.""

What is the most common health insurance?

what is the most common health insurance

Will buying a salvage title car make my insurance go up? ?

The car is in mint condition now I got a mechanic o look at it it's fully restored but if I buy it will it effect my car insurance

Columbus Ohio Cheap car insurance quotes zip 43266

Columbus Ohio Cheap car insurance quotes zip 43266

https://www.linkedin.com/pulse/i-need-best-cat-insurance-can-someone-please-help-michael-schmidt/"

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Lugoff South Carolina Cheap car insurance quotes zip 29078

"Lugoff South Carolina Cheap car insurance quotes zip 29078

Lugoff South Carolina Cheap car insurance quotes zip 29078

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

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Should I still be paying full car insurance ?

Hi, my car was recently in an accident that was the third party's fault but my claim is still ongoing. My car has been written off and is in the third party's salvage yard. As ...show more""

Car insurance?

I just bought a brand new car and recently changed my car insurance company. Today after leaving a meeting I hit a fire hydrin while backing up leaving a nice hole in my back bumper. I called my insurance company and submitted a claim but am more concered with the my insurance premium going up. Does anybody know if it will go up or not. I have not submitted a claim in more then 5 years and only pay 86.00 a month for full coverage including collision and renters insurance for my house. Does anybody know about this kind of stuff??

What type of cars would have the highest car insurance payment?

couples? Sport cars? What type of cars have a high car insurance payment? I wanted to get a two door but heard the insurance would be high. Since im young I know it be higher also. What would be best to get?

Paying my car insurance off early?

I have the cash to do so. And i only owe about 200 cause i already paid 2 months off early. But im jw when the next bill will be so i dont have to worry about. If it helps any i have the general car insurance they are local so idk if itll help lol

Can my fiance add me to his insurance plan?

and is it more convenient than individual? (insurance through his work)

Can my father insure my car under his name?

I'm planing on financing a car and my father will Co sign. Can he put the car under his insurance I am only 18 years old so insurance just under my name is extremely expensive or is there a way he can be a Co owner of the vehicle if so how ?

Is motorcycle insurance normally cheaper than car insurance?

For example if I wanted a Kawasaki Ninja 250,compared to a Toyota Corolla?""

Can an insurer refuse me insurance because of a secondary drivers record?

I am a new driver, I am now insured with a different company but am not happy with how much I am paying. Now, When I first got my vehicle I did a quote with a different insurance company, I was pleased with the cost of insurance, so I decided to try to go ahead with their insurance policy. It took 12 days for this company to contact me back, that's only because I called them questioning about the progress. Now the wait didn't bother it is the fact that the refused me. I know that as an insurance company they have the right to refuse an insurance policy, but it was the EXCUSE they gave me that infuriated me. Now let explain the situation as clearly as I can. I am a new driver, I am still living with my dad so I was obligated to put him onto my insurance plan because we are living int he same building and both have access to my car, as a new driver I have 0 tickets, 0 cancellations of insurance (have had previous insurance for a motorcycle with the same company) and I must also put 0 experience. now my dad has over 30 years driving experience, but he had 1 ticket in the past 3 years. So this is what the insurance company said to me on the phone, We are refusing your policy because you are a new driver, and your secondary driver has had 1 ticket in the past 3 years. Me, and my father both think that this is just an excuse to not insure a new driver. I am insured now and have been for the past several months driving everyday to and from work, my insurance is getting a bit costly now and am thinking of trying the other company again. I would like to know, Can the insurance company refuse me for those reasons? And would you recommend trying that company again after a few months have past or try to find cheaper insurance elsewhere?""

Classic car insurance companies?

Classic car insurance companies?

No insurance and expired tags in kentucky?

I got a ticket for no insurance and expired tags in Louisville Ky, I've never neen in any trouble before with anything not even a parking ticket I just could'nt afford the insurance and tags. Whatare the chances of serving jail time for this? I know inKy, it can pack a 90 day sentence please answer I'm kinda freaking out.""

What does Enterprise car rental insurance cover?

We rented a car for a week and we got the basic coverage for our rental car. Yesterday we stopped at a crosswalk when we saw two people and were then hit full speed by a pickup truck. It totaled the rental car and thankfully were are ok. As we were sitting there it was told to us that a witness said there was no one at the crosswalk when it happened and the witness filled out a report. I know what I saw and it hurts that people would be so dishonest. By the end of it the officer said no citation would be issued. I think the police are going to say it was my fault for stopping to quickly. I think that's ridiculous but anyway. If I have the basic car rental insurance and they say its my fault, will the rental insurance cover all that? Thanks for any responses. I am still shaken up!""

Who should get my fathers life insurance?

My father passed away on Jan, 5th 2013. He has a paid in full policy amounting to $100k. When we figured out that my mother (his ex wife) was left the sole benifecary, we filed a claim. The insurance provider (John Hancock) denied our claim based off of a CA law that states if the claimant had been divorced, they essentialy get nothing. However, it clearly states in their dissalution of marriage, that life insurance should not be affected. My father would have wanted his children to have this...What action can I take, or should I just forget about it?""

How much do you pay for insurance for your car?

How much do you pay for insurance for your car?

Cheapest bike insurers?

got my provisional bike licence, going to buy a bike in oct hopefully, where can i go to get the dirt cheapest insurance, im getting third party only, and any tips on how to keep prices down?""

2500???? Car Insurance!!!! HELP!?

I passed my driving test yesterday and have been looking for car insurance but the cost is crazy. 2500 I was quoted by Aviva and 3200 by my bank. I can only afford a car upto about 800, I'm never going to be able to pay that much. Do I go fully comp or the other one? (I don't even know what these mean). Does anybody have any advice? I could really do with it. Thanks in advance.""

Estimate on car insurance for this car?

Okay, I'm looking to get a used 350z for my sixteenth birthday. I know car insurance is going to be really high for it being a sport car and for me being only 16, but I'd like an estimate to see where I'm going with this and I'm not sure how to do it myself. :) Here's a link to the car: http://www.nissanusa.com/z/index.html""

Estimated insurance on 2007 alfa romeo 147 1.6?

hey just need a estimated quote on above car. Its insurance group 11, I am 18 and this is my first car. I am willing to do whatever is needed to get the quote down I just need a estimate prehaps from past experiences? Thanks in advance for any answers.""

Something in lieu of insurance?

I have been working part-time for a company and about to become full-time. One of the concerns that was raised is that insurance will be expensive. He pays 100% of everyone's insurance for their families. I suggested that we can revisit the insurance in a year and do something else in lieu of the insurance. Less costly. He also pays for parking for the employees. I'm not sure of what to ask for though. I was thinking a gas allowance but I wanted to have a few ideas to present in case he shoots one or more down.

I have no insurance and need an abortion?

Please dont judge im young and recently found out im pregnant. But im not ready for a baby... I would love to keep my child but if my parents ever found out they'd literally disown me. I have no insurance and I dont know how much an abortion would cost. I was thinking about getting the abortion pill still not sure. How much would that cost?I checked online but it didnt say anything about abortion.

Who'd rather have health insurance than Free National Health Care

Despite the imperfections in the system (and there are plenty) I'll keep what I have rather than Micheal Moore's fictitious nirvana of government run health care.

Is Geico auto insurance liability only?

Is Geico auto insurance only liabilty coverage or do they have full coverage also?

Considering suing my car insurance company?

As we all know car insurance companies in the United States of America charge males more than females to drive a car based on real world studies . This is the equivalent of not hiring females because they may get pregnant and take a lot ofdays off... Because this is truly a real world study i conducted that males dont get pregnant as often as females. So I am highly tempted to bring this up with a lawyer or at least send a letter to my car insurance company, and i want them to hurt for it because frankly it pisses me off that i am being descriminated against. Further more, in europe, this practice of charging males more because they are more likely to drive is highly illegal. I am in no way a liberal democrat but if this sensitivity bullshit is going to stop descrimination than maybe they should give a **** about me before i start caring about them...""

Cheapest auto insurance rate in NJ ??? I have a perfect driving record....?

I just moved from Boston and don't know what companies are the cheapest ??? Any suggestions ??

Insurance agents in Chennai?

if you know any insurance agents in Chennai help me?

Will my speeding Ticket affect my insurance rates?

I live in Iowa, I am 17 years old, and I just got a speeding ticket from a state trooper for going 84mph in a 65 zone. I am insured with State Farm and have no history of any accedents or tickets. Right now I am recieving the good students discount and the safe driver discount and I was woundering if this would affect my insurance rates on a 1996 Mercedes-Benz black with aproximately 210,000 miles. Thanks""

Lugoff South Carolina Cheap car insurance quotes zip 29078

Lugoff South Carolina Cheap car insurance quotes zip 29078

Best and Cheapest Motor Trade Insurance UK?

Need Motor trade insurancefor first time motor trader whats the best and cheapest im in London Uk, thanks.""

The anybody have auto insurance with the general auto insurance?

I'm looking for a cheaper car insurance, I have progressive it suppost to be cheap and now it can higher. I heard about the general but I want to know if it really cheap. Anybody""

Can't afford the insurance on a car I just bought.?

I can't afford the insurance on a car I just bought yesterday, I had made quotes before and one of them was in my price range for full coverage since I am making payments but I didnt realize until now it was for liability. Am I able to take the car back with no penalty or will it hurt my credit?""

Outraged by auto insurance companies?

I had an accident on may 8, 2009, It was not my fault and the woman I had the accident with accepted her fault. I got the information of the insurance company. The loss defined by an automotive company, but never paid until now. More than three months passed,I always call insurance company, but they are always saying lies and fudging, is there anyone faced with same situation? I do not know what to do.""

""Hit a mailbox, will cost $2,500 to fix, how much will my insurance go up?""

The other night i crashed into a mailbox. It was completely my fault and it will cost $2,500 to fix it. I was wondering how much my insurance premium will go up per year about? I am 20 years old and have gotten 1 ticket before.""

Can a cop pull you over for no insurance?

I am going on a 2 week road trip to go see my newborn nephew and my biological family. I was laid off 2 months ago ad just got a new job. My insurance was canceled due to this back in may. I am going with my girlfriend too but taking my car because it is more reliable.

Car Insurance for a 19 yr old male?

I'm going to be buying an black 03 Cadillac CTS and I was wondering about how much my insurance would be. I've been driving since I was 16 with no tickets or wrecks. Can anyone give me at least an estimate on what it might cost? I will be using it mostly to drive back and fourth to work.

How much would teen car insurance be monthly?

I just got a job and I'm looking to buy a car around December... The car will be worth 1200-1500... I'm 16 years old and haven't had any accidents. Around how much would my car insurance be a month?:) thank you!

CAR INSURANCE - 2nd driver?

My sister who recently passed her driving test would like to buy a car, problem is car insurance quote comes up to 3000, which is too much! So i was thinking to get the insurance in my name, and put her down as secondary driver. I already have another car, where i am also primary driver. If she crashed her car, would this get flagged up under my insurance, although she crashed it....i dont want to pay high insurance for the rest of my life for her mistake or would it come under her record??""

Affordable health insurance for self employed?

My husband is selfemployed and we want to get an affordable family insurance or possibly just an insurance for me. I a m a nurse but I only work part time and my company wont cover me for insurance. any good health insurance companies that we can get and would cover maternity care in the future?

""How much should $25,000 worth of life insurance cost for a healthy 44 year old non-smoker male?""

weekly,bi-weekly, yearly...whatever?""

What is a good cheap auto insurance company?

I had missed some payments from geico a while back, and havent had insurance for a couple months so now it is getting more expensive to get another insurance, but I need just a cheap, basic policy with minimum liability and collision, any suggestions/""

I want to cancel my life insurance for a better one can i get my money back that i put in on it.?

are we allowed to get money back that we put towards life insurance.. if so how long do u have to have the policy to qualify for this. mines is only 7 months old. thanks.

Health Insurance Question?

I am 19, and I am Diabetic. I would like to move out of my parents house, and start living independently. Is there any Health Insurances out there that are government run that could help me get a cheap Insurance rate? Oh, and I live in Ohio if that makes any difference.""

Cobra or individual health insurance?

If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""

Car Insurance 10 pts. best answer!?

What are the parties to an insurance policy. So far i've got policyholder, and underwriter what are some other ones? thanks""

How does insurance on a leased car work?

im getting my license soon and was wondering what the best and cheapest option in terms of buying, leasing or buying used is for me. im 16 so insurance is going to be high. i only need a car for 2 years, after that ill be in college and dont see a point in having a car. so i thought why not just lease a car, but i heard when you lease a car the insurance is high for it. my question is how does a lease work? is the insurance for it high already without me being 16 a factor? do you sign up with a dealership insurance or use your own plan? Thanks for the help""

How much should I expect to spend on full coverage auto insurance on a 2013 Cadillac Escalade ESV Platinum?

I am 15 years old, my grandfather is buying me a 2013 Cadillac Escalade ESV Platinum ($85,000 MSRP) for my 16th birthday. My mom told me she would only put $200 per month towards insurance and I want full coverage. I know I will have to get a job to cover the rest of the insurance but I'd like to know a range of what other people are paying for theirs. The car is going to be in my mom's name who has never had a ticket or accident and I will be on her insurance policy, does that help? I know nobody can tell me for sure what my insurance rates would be, so can you at least tell me what yours are (if you have a Cadillac Escalade ESV)?""

What will my insurance do?

So the other day a car slammed on their brakes and I hit their bumper. It was a Mercury Sable.Not sure the year right now...prob 98-02. It was a young girl and her 4 friends. They were obviously under the influence of weed. They of course did not want to call the cops. I said ok because I did not want a ticket or my ins rates to go up. We exchanged names and numbers. She called and my husband and I arranged that we would pay for half of the damages. Today she called and said her estimate was $870!! I only cracked her bumper...what should I do? Can I still file a police report? What will my insurance do if I go through them now?Thanks!!

How much will an Acura Integra GSR 4 door insurance cost?

Hey I was wondering how much an 1998 Acura Integra GSR 4 door insurance cost? I'm in Long Beach, California. It is going to be under my dad's name and I have persmission to drive it to commute to school/work. My dad refuses to buy the 2 door version of the Acura Integra GSR because he says the insurance is too high. By the way once again it's under my dad name he has a driving experience of 28 years with clear records no accidents, no nothing. Please help me since my choice is the 4 door. Thanks in advance!""

Can my mom insure my car she does not own (California)?

So I am 21 and have a car with a learners permit and I wont get a license until Jan. Can my mom insure the car even though her name is not on the registration until I get my license and will then be the primary driver? In this case I would only be driving with her under the learners permit guidelines. My mom would be driving the car on a daily basis to take my little sister to school and stuff because right now it's our family's only car. In Jan. I would have the insurance put under my name and have her added as a driver.

""I'm a independent freelancer, what can I do to get affordable health insurance?""

I live (rent an apartment) in Pittsburgh, PA. I do not require any life sustaining medication- what health care options are available to me and how do I go about getting it?""

What do you put on a car insurance quote when your penalty has expired?

i had a penalty for 3 years that ran out in 2008 but when i look for insurance they ask for any penalty for the past 5 years. Do i say yes even though it expired in 2008?

Does anyone know where to get affordable auto (liability) insurance for teenagers?

I am 19, & I live in Charlotte, NC & I have not been able to find car insurance for less than $800 for 6 months. I can afford to pay $600 (100 a month) but I have not been able to find an insurance company to give me such a quote. Do you know any? P.S. I drive a 2002 kia optima & I've only had my licence for a year""

What's a good sports car for a 16 year old that would have cheap insurance?

What's a good sports car for a 16 year old that would have cheap insurance?

Lugoff South Carolina Cheap car insurance quotes zip 29078

Lugoff South Carolina Cheap car insurance quotes zip 29078

Who the best auto insurance that dont cost too much?

Who the best auto insurance that dont cost too much?

Can I alter a car insurance quote after just a few months having paid an annual premium?

I have a provisional license and I receive my first car in a few days. I want to get insured to drive it and I've entered that I only have a provisional license on the quote. I want to pay an annual premium to get the best deal, however I'm going to have a full UK license in just a few months time. I'm happy to stick with the same insurers for the next year, but can I alter a quote after a few months having paid an annual premium?""

Very simple for car insurance expert  heeelp!!!?

hello thank you for entering in my post I've been in England for 2 years now but I've never driven here however I had driven for 11 years in my country but on the opposite side of the road and with a car with left-hand drive and I've never had an accident before to choose which car to buy I'd like to know roughly how much they would charge me for a 1.2 engine because if they will charge me too much I could opt for 1.0 engine or even smaller for my first 2 or 3 years and then when my isurance cost goes down I will get a bigger car I've alredy have a UK driving licence however, if I do a driving course with a driving school could I get a little discount for my insurance? any suggestion according this matter will be very appreciated thank you very much in advance for your help""

What are the best alternatives to Humana One for an individual?

I am a college graduate and my parents helped me with Humana One bills. I am about to work at my first post-college job but unfortunately they don't provide health insurance for part-timers. I am interested in more affordable but quality alternatives to Humana One especially for someone in his 20s. My alumni association mailed me info about GradMed but it is only a temporary solution and doesn't cover pre-existing conditions.

How much will it cost me to be insured on a 1.6 litre for an 17 year old?

im a female, I just passed my test and i have 5000 pounds to spend on a car. I want to buy a convertible ford street ka. How much would that be on insurance roughly? thanks""

""What are the cheapest companies to insure me as a 2nd driver on a 1.2 punto (MALE, 19, UK)?

I'm a 19 year old male living in the UK in Birmingham! I passed around a 2 months ago! The cheapest quote I found was 1600 on a comparison site but it's too expensive! Is it worth getting a tracking device and alarm and stuff fitted? How else could I lower my insurance?? Could you recommend any other cars I could get instead of a punto? (no higher than insurance group 5 and no more than 3000) THANKS! =]

""I'm 19, have a permit, but do I need insurance to drive with my mom?""

Ok I got a permit, I got it last year..it expires on April 30th. So I was wondering..if i go out and drive with my mom who has a license, do I need to get my own insurance as well? My moms car is insured. I live in California. I haven't driven a whole year because i can't afford my own insurance right now. Lol so do I need to get my own insurance even though my mom and her car are insured? If I get stopped by the cops will I get in trouble? Thnx in advance""

""How do I file an auto insurance claim and what exactly will happen to my insurance rate, deductible, etc.?""

My windshield was really frosty but I only had to drive like 20 yards to get where I wanted. So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything?""

How much would insurance be a month for a 1988 ford mustang gt for a 16 year old driver in ny?

hi i want a 1988 ford mustang gt 5.0 and i am 16 years old. i was wondering how much the insurance would cost a month. im in new york and plz no answers like alot or anything like that just an estimate. pl answer and thankyou

Why is Auto Insurance in Quebec cheaper? And how do I go abouts changing my insurance to Quebec?

I've been told insurance in Quebec is much cheaper. I know a few friends that live there can I change my license address to Quebec then seek insurance over there? Im getting sick of paying 400+ in Ottawa.

What factors go into car insurance policy fees? Im going to be a brand new driver?

Im 22 yr old female. I don't have the car yet but I am taking a drivers education course and was wondering how much the insurance would be( estimated). what would be the cheapest big name company right now?

Do you have to get health insurance under obamacare?

I'm 19 I have no job no money.. would I have to get health insurance ?

Finding out cost of a car insurance claim - do i have to include this?

Im looking for insurance for a new car. My bf had an accident in our last car and i was wondering if there is a way you can find out how much we claimed in total? As alot of insurance companies want to know this.

Will a 9 mph over speeding ticket effect my insurance in NC?

I got a ticket for 53 in a 35. When I went to court the DA lowered it to 44 in a 35.. 9 mph over. Will it effect my insurance? I live in NC.

Life Insurance?

Can you buy life insurance on anyone? I mean could you buy life insurance on everyone in the nursing homes, then collect the reward? Or quickly buy life insurance on hospitol patients?""

What's reasonable insurance quote for new driver (UK)?

Hi Everyone! I'm a new UK driver searching insurance quotes for my Ford escort (engine size 1.4). I'm thinking third party only for starters. What sort of ammounts should I consider to be reasonable offers? Also, must I pay the premium in one lump sum? P.S: I'm 23 years old... Cheers!""

How to choose a Life Insurance?

All the insurance companies sound like they're trying to sell us on the product. We're married in our thirties with two babies. Thanks!

Insurance on an 2006 chevrolet equinox?

My parents are buying me a used one for my birthday in a few months. I am suppose to buy the insurance for my vehicle though I was wondering about how much it would cost for a 16 year old? Also I have a daughter that would be riding with me most of the time, I dont know If that has to be added into the insurance cost of not? Im kind of clueless, thanks for your help!""

When do car insurance rates drop?

At what age do car insurance rates drop? Currently I am a 20 year old male living in Kansas. Also what else will cause insurance to go down. If you get married, have kids, etc....? Thanks.""

How is the health insurance subsidies calculated?

Just wondering how the affordable care insurance tax subsidies are calculated? Is it based on last years wages or estimated wages of the year you are applying for the health insurance. Let's say I made $100,000 last year and retired this year and applied for the affordable care insurance. Say my estimated taxable income for 2014 was $40,000 with family of four, can I get government subsidies?""

What is the cost of average car insurance that a 19 year old boy and girl pay?

Well, I am taking my test soon (hopefully I will pass) and I am 19 --- and I heard that car insurance is worth a lot for youngsters that they can buy a BMW second hand with same amount money that they pay for 3 years. so, how much do 19 year old boys pay monthly for it and how much do girls pay ( heard it is a lot cheaper for girls). -- my younger sister will turn 19 in 2 years time till then if she passes her test -- how much will she pay when she gets licence---- what would be your solution -- if I want to get cheaper option (I heard of pass plus scheme - would it work)""

Can you report someone for driving without car insurance?

i know this person and i was just wondering if you could turn them in for not having car insurance without them knowing who turned them in. I want to prevent someone from getting hurt and not getting there part of the insurance claim or whatever.....anything will help..THANKS!!!!

Just got a car insurance quote for 6000?

Ok, Im a 17 year old male driver, so I expect my insurance to be through the roof, but come on can this amount be real ? This was for a 1997 2 door corsa""

What are cheap insurance companies in Ontario? (Toronto)?

My specs: 25 years old, female car is 1994 lexus sc400 bought it for $2500 has a really good alarm on it with a pager I heard Desjardins and Aviva are good prices.. any other companies I should check out? Thanks""

Are there any health insurance programs available for a 19 yr old female in alabama?

whom is from a low income household (kids ages: 17,18,19). her dad draws ssi and she isn't pregnant.""

Lugoff South Carolina Cheap car insurance quotes zip 29078

Lugoff South Carolina Cheap car insurance quotes zip 29078

Two car insurance policies?

My parents are trying to get me insured on their car which they already have a policy on but it is too expensive to put me on that. Is it legal for me to take out another insurance policy on the car in my name only?

Whats the average motorcycle insurance cost for an 18 year old guy?

Whats the average motorcycle insurance cost for an 18 year old guy?

What is the most quality/cheapest insurance to get for a car in the US?

Like for someone in their mid 20s

What is the best way a low income student can get health insurance?

Again, low income and can't rely on parents and how could I get retro coverage for an emergency bill a month ago. Currently uninsured, only insurrance is car insurrance.""

How much does motorcycle ensurance cost?

I am planning on getting a bike. used,street bike probably a 04-07 dont know what kind yet but i was curious if a) is insurance on a motorcycle absolutely needed? b)how much if im 18, but father as a co signer with GREAT credit score c)on a $5,000 bike how much would it be a month overall, insurance and payments.""

Where can I find health insurance in alabama?

Where can I find health insurance in alabama?

I can't afford to get Health insurance will I be penalized under the Affordable healthcare act?

I am literally living paycheck to paycheck this year so far has gone from bad to worse for me and now I have to have health coverage and I wasn't able to make the March 31st deadline

Cheap or free help with medical insurance?

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

Affordable health insurance for children of students?

My brother wants to go to college, but if he leaves his job his kids wont have health insurance. Are there any good health insurance providers for children of students? My brother lives in Spokane, WA if that matters.""

What is the typical cost of condo insurance in florida?

I'm trying to understand what homeowners insurance woul cost in florida for a 2 bedroom condo. I'm not ready to call an insurance company. I'm looking in Ft.Myers. Just want to know is it thousands of dollars and out of my range or a few hundrend per year. Say for a 75k condo.

How do I rent a car? without any insurance (i have no car)?

So I want to rent a Dodge Magnum, for about 9 days in May through Thrifty.I will be driving from Missouri to Orlando for a vacation. I assume that I will pay the fee for the loss damage waiver (about $11 p/d) Or maybe my credit card might just cover that. But why do they keep refering to my insurance?... I don't even own a car! Else why do they think I am renting? Anyway what advice would you nice people give a dumb person like me as to what I need to do or what other insurance I need to purchase, thanks.""

How much should I expect my car insurance to cost?

I am 20, female, in college, decent grades, this will be my first car, i will be driving a relatively cheap car. 199? Honda civic/accord...something along those lines. I live in a very small town. I will only be driving about 10 minutes a day commuting to work and school. i wont be added to my parents policy, i will have my own. I tried doing a free quote thing, but i guess my town is too small, it didn't recognize my address! but from people who actually pay car insurance and know a think or two about it, i am curious as to how much i should expect it to be!""

What car insurance company is offering me a better deal?

I'm 21 years old, and I'm thinking of upgrading my 2005 Chevy cavalier to full coverage. United auto insurance wants $186 down and $147 monthly for 6 months. My current company wants $262 down and $131 a month, for 9 months. Which company is the better deal? Should I even get full coverage for a 2005 cavalier?""

What are some cheap health insurance plans for a college student?

Hello, I live in Texas and I am in my first semester in community college. They do not offer insurance at my school. I do work part time, but I do not plan on staying at this job for long. I don't want to get on my parents insurance, because I simply don't want them to know any of my personal business. Any advice? I am 22 by the way. Any answers are appreciated. Thank you!""

How do I go about getting car insurance?

I'm 19, my car insurance now is under my parents name and they pay for it. I want to by a Mustang and I want to pay for the insurance myself. So do I go see an agent? Or do it online? I tried to get a quote online and I'm not sure how to answer certain questions.....I DID get in an accident 3 years ago but my insurance company never caught me on it, so will they find out if I try to get my own insurance now? Should I use a different company to not get caught and have to pay higher rates?""

Question about health insurance & pre-existing conditions?

Shortly before being taken off of my parent's insurance plan, I was diagnosed with a thyroid condition that requires expensive blood tests and regular office visits. I have applied for insurance through my job, and when reading the bylaws I noticed that it does not cover pre-existing conditions. Will my thyroid disorder be considered a pre-existing when I was diagnosed only a few months ago? Will I ever be able to get any kind of insurance coverage for this disorder now?""

What whole life insurance policy is best for a 24 year old?

I have a policy from New York Life, but 2 of my friends who are financial planners, say Mass Mutual would be better... there's a bunch of baloney I'm not understanding i.e. guaranteed benefits, crap about withdrawing money for retirement. Altogether, it doesn't seem like I am getting that much from death benefits with the amount I am putting in ($1K/year until pretty much I'm 65). I don't want to pay forever for this... where in my policy does it say when I can stop paying?""

My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?

He is receiving student aid in the form of scholarships and the pell grant for low-income families. I don't want him to be without insurance coverage. His only income is back child support that will end in a few months. What are my choices? Please help. Thank you. I only receive disability income from social security disability.

How much is this car's insurance..?

Iam 22 male (Married) and have a squeeky clean driving record. I am in the market for a new car and here is a list of the cars I am considering. If you could tell me which one would have the lowest cost for insurance (Full Coverage) that would great! -2005 TL acura -2005 Mini Cooper S -2007 Civic 4 door Si Thanks.

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

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

WILL MY CAR INSURANCE BE HIGH?

I'm 18, from california, and ive had my license since i was 16. I currently drive a 04 volvo and im planning to get a 2012 or 2013 chevrolet camaro LS. The plan is to trade in my old car but my mom is complaining that my insurance will be like $300 or more a month. Is that true? I have safeco btw thanks""

I have a friend who say he knows a guy who works for a car insurance company and can guarantee cheaper quotes?

Does this sound normal for staff to be able to do this as I have had a similar offer from someone else a while ago. I am just worried that they may set up a policy but when I go to make a claim its not a real policy or something. Please note it is a significant discount as well and he can also get me quotes on cars I wouln't otherwise get insured on as a normal customer All sounds a bit to good to be true!

How much is Car Insurance for a 16 year old?

I'm 16 year old guy, I have a 2004 Pontiac Grand AM sedan, I get good grades in school, about how much would it cost monthly?""

Car insurance extremely high?

i am 17 i haven't bought i car yet, and i have not passed my test, but i have tried to check how much my insurance will be once i have passed my test, i have done checks on small cars e.g vw polo, corsa, Nissan micra's etc but i have not found a quote under 1,700 i cannot afford this price, is there any cheaper insurance companies, or am i just going to have to save up 4 a long time.""

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?""

Lugoff South Carolina Cheap car insurance quotes zip 29078

Lugoff South Carolina Cheap car insurance quotes zip 29078

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