#we bought with a gift card that was about to expire but its good to know the theatre genuinely does not give af
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I don't think Charley will ever watch a movie in cinemas with me after Folie à Deux
#mine#it was me + Charley + their boyfriend and two other people sitting in front of us and they walked out after the second song came on LOL#I actually enjoyed having a whole theatre to ourself and getting to talk and yell and do whatever in the theatre for 2+ hours#Also the security was like really poor and didn't check tickets we regretted buying them because they didn't gaf#we bought with a gift card that was about to expire but its good to know the theatre genuinely does not give af
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This started as a simple rant about gift cards but is probably turning into my master post on the lost story of the corporate gift card valuation crisis.
Starts as the simple rant but gets more technical in economics and accounting as it goes on- so fair warning.
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Gift cards are often thought of as a boring, low effort gift, although more polite than cash. Plenty of good reasons why they are a bad gift from a thoughtfulness standpoint, but I'm going to focus on the financial value.
Adult humans that live under capitalism are generally, learnedly able to understand the time value of money, even if they cant physically execute the calculations on paper. If you dont believe me, just trust me-- its how all of economics works. We are generally able to value things very well according to our own subconscious estimations.
This is not to say people who receive a gift card are just focused on the dollar figure, however I think the financial frustration lies with the fact that, inherently a $25 gift card is worth less than $25 cash. Probably a lot less
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As a present, gift cards remind me, actually, of the stereotype of a grandparent buying their descendents, "war bonds", but somehow gift cards are even worse.
Sorry this is going to be a long explanation of why gift cards suck--
A war bond, which is now simply called a US Treasury bill or bond, is a 'redeemable certificate', which allows the current owner to be sure that the dollar amount (face value) shown on the certificate will be granted, plus interest accumulated from the point of issue until the present date, and the note is redeemable early in most common cases, and is redeemable at most banks or financial institutions around the world. Well... they might not now but they are supposed to
Section 1. Bond overviews
These Treasury bonds are just debt that the US government, i.e. the taxpayers, have to pay back to whoever purchased this bond.
Economics is intended to be confusing to understand, an example of this being how they love to make it hard to understand that every time you hear about bonds and interest rates they are talking about gambling with our public taxpayer debt. Calling it "buying bonds" makes it seem more normal investy stuff
Anyway-- so this is debt right? Well like all debt, it requires a good credit score, and collateral. The official term is "backed by the full faith and credit of the United States Government"
In summary of this section using numbers:
If you get a treasury bond that says $100 & 5% annual interest, the Treasury department guarentees you can receive $100 amount in the future (maturity date), as well as $5 per year for your troubles, unless the US government is toast at any point.
If the holder sells the bond prematurely on the 'secondary market'--which is the clever term for the stock market for bonds-- they might get more or less than the "face value" depending on current interest rates, if those current rates differ from the interest rate set on the bond at hand.
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Section 2: Basic Bond Valuation
So using previous example, the face value of $100, and that only comes back from the treasury department on maturity day (up to 30 years away now for long term bonds)
So in the meantime, people "trade" (gamble most of the time) those bonds on the market. Cause why the fuck not?
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Most of the time, in a non inflationary environment, bonds with expiration dates of less than 5 years do not change price much at all in this 'secondary market'.
Why? Well--
In an inflationary environment (only recent examples are 1970s & 2020s) most bonds are decreasing in value, with the lowest interest rate bonds decreasing the most. Every other period has bond prices generally flat (so you still get the 5% interest) or trending up
The economic mechanics behind what lowers bond prices in high interest rate environments is pretty simple-- if I have a 30 year loan the government owes me, with 5% annual interest, and the guy who bought the same 30 year bond back in 2017 only got 2% interest, then I have an inherently more valuable loan or bond.
Going to start circling back to gift cards-- A 0% bond is only worth more than a negative interest bond.
(looking at you japan they were briefly paying banks 0.5% interest to borrow money from the government. As in a -0.5% interest loan)
Okay gift cards time
$25 Gift card = corporate bond of face value $25, with 0% interest, and is only redeemable in person at the companies restaurant with immediate purchase of their product
A gift card is identical then to the boring "war bond" gift, except that:
1) it can only be redeemed at their limited locations in person, and only with immediate purchase of their product or service
2) this certificate does not accrue any interest, which means that from a value standpoint its guarenteed to lose value over time unless interest rates are below 0% like japan had
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Again, most people are very capable of understanding that the value of a 0% corporate bond which cannot be easily sold is worth less than the face value-- much less. Just most people probably dont have the experience in finance to put to words why exactly that situation is so frustrating from a financial standpoint
What a stupid gift, cash is way better.
Especially in an inflationary environment like the 2020s. my god the valuation loss of all the gift cards recently is incalculablely enormous
It would be a very snarky, not nice response to being gifted a gift card if the receiver replies back that the technical market value of this $25 gift card is actually $14.75 due to the current globally high interest rate environment in addition to the company having a BBB Moody's credit rating rather than a perfect AAA
I'm very, very tempted to do a sample valuation of a random hypothetical gift card to reinforce this point, but valuations arent quick and I already know it would take me half the day just researching the numbers to put together for it
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I had no idea I was going to have this much to say but we're on edit #4 to this post Im gonna keep going:
The inflation of the 2020s has led to the largest (by dollar value and probably other metrics) corporate bond valuation crash of the.. ever
But corporate bonds are mostly held by the upper middle class & higher, as well as other corporations. So of course we hear them crying about their loss of wealth. Easiest example can be found by looking for the annual returns on an ETF which trades only corporate bonds. They got fucked in 2021 and arent back yet
What I'm getting at is that most poor people do not own individual bonds-- its just not really something that makes sense as a poor person.
Back to poor people's wealth--
Someone who has a retirement funds might invest in corporate bonds through that fund. But dont get me started on how complicated those funds investment strategies are to mitigate the risk (but yes they arent good at risk mitigation lose value a lot from dumb preventable mistakes).
And also looking at 5 yr price charts for many retirement funds, the ones with more corporate bond holdings have done way worse than their peers in the retirement fund game who put more money in stocks over that period
Poor people do, however, give each other gift cards... a lot. Weve kind of been told for a long time that its a more appropriate gift than cash. I wonder whod want us to think that. Maybe the corporations who are getting away with selling hard-to-redeem junk bonds as "gift cards"?
Likewise with all corporate bonds lately, the total balance of gift cards issued & held by the general public is larger than it has ever been in prior decades like the 1970s. There was issues with gift cards then, just the total amount was much, much less
Except probably not anymore-- only the face value being reported on their financial statements is that high, as accounting standards do not require companies to regularly value their gift card balances at market value. They are allowed to report it at face value, until it is removed from their balance sheet and resolved as pure income. Not 100% sure the GAAP guidance for it, but I know they dont HAVE to specifically mark down gift cards as they dont have expiration dates. I know that if a company did need to mark down that debt balance for whatever reason, the only way to lower that balance is by calling it "other income".
So poor people have felt a multi-billion dollar loss of wealth from gift card values, which is obviously not ever going to be studied or talked about cause who the fuck cares about poor people
And when that loss does get "realized" from an accountant standpoint-- it would be considered income for the fucking corporations.
Actually reminds me of Starbucks class action about the gift card balance. Lot to dig into there but thats more because of their extra predatory practices around redeeming it
#unique gifts#gifts#stocks#bonds#gift cards#I really hate all the $15 gift cards I have to shitty restaurants that I dont want to eat at#I would much prefer it if I had a collection of $15 treasury bonds#if anyone has trouble understanding bonds#just think of them as gift cards that change in value depending on the health of the company#which is what you would want out of a gift card#because if the company is going tk bad financial health they might go bankrupt and youd never be able to redeem the gift card#gift cards were a good scam companies thought of#corporate bonds#wealth#economics#accounting
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𝚋𝚝𝚜 𝚛𝚎𝚊𝚌𝚝𝚒𝚘𝚗 ➛ 𝚜/𝚘 𝚜𝚝𝚛𝚞𝚐𝚐𝚕𝚎𝚜 𝚠𝚒𝚝𝚑 𝚖𝚘𝚗𝚎𝚢
Kim Namjoon
Namjoon didn’t think that you were stupid. Shit, if anything, he knew that you were far from it. It was the first thing that attracted him: your brain. When you were talking about a topic you were passionate about, your mouth moving faster than your brain, he would watch in awe as your eyes sparkled with every eloquent and intelligent word you spoke.
You were astute.
But for the life of him, he couldn’t figure out why you didn’t realize how deep of a grave you were digging for yourself. Just like you, Namjoon wasn’t stupid. He knew that you were struggling for money. He had seen you count pennies in your purse just to pay for something that cost a few dollars. He had seen you eat nearly expired food hidden away in the cabinet because you didn’t have enough money to buy more food. He had seen you argue with the landlord because you were only a day late with rent.
He offered to pay for your food. He offered to pay your bills. He offered to take care of you both emotionally and financially.
But for the life of him, he couldn’t realize why you would work yourself to your breaking point just to pay the utilities bill when you had a loving and doting boyfriend right there, waiting for you to give him the word so he could take care of you.
For the life of him, he just didn’t understand that.
He tried his best to remain calm about the situation, though. He knew that you liked to handle things on your own; you were just driven like that. But he wondered what had to happen for you to finally turn to him for help.
But something did happen.
Namjoon was lounging around on his day off while you were at work like you usually were. He always found it ironic how given his job as an idol, you spent more time working and away from home than he did.
When his phone rang and it was an unknown number, he was a bit hesitant to answer because he immediately thought that it was some crazed fan who got his number, but his gut was telling him to answer the call for some reason.
So, he did.
And it was good that he did.
It was your coworker. Namjoon had met them before and always thought that they were nice. They called extremely worried and concerned given the fact that you fainted while waiting for a cup of coffee to brew. And even though you had only been out for a minute or two, your coworkers tried to get you to go home so you could rest, but you insisted on working. You even added another hour to your shift so you could make up for “lost time.”
It was at that point that Namjoon’s worry for you evolved into anger. He just couldn’t believe what he was hearing. He knew you weren’t stupid. He knew that. But for the life of him, he couldn’t figure out how careless and neglectful of your health you could be.
And that’s why Namjoon stood in your living room, placing all of your books into large brown boxes. He was tired of constantly worrying about you. He needed peace of mind.
Stumbling into your apartment, exhausted, you were pleasantly surprised to see Namjoon standing there since the two of you weren’t planning to see each other. The brown box resting at his feet caused your eyebrows to raise. “What are you doing?” you hesitantly asked, your eyes slowly scanning the rest of the space, growing even more confused when it looked a lot more empty than it usually looked.
“You’re coming to move in with me.”
Your head spun on a swivel at hearing him say that with such conviction.
“What?”
“You’re moving in with me,” he said, simply reaching to grab another book and neatly stack it in the box. “Um,” you said, too shocked. Walking over, you reached in and grabbed the book he had just put there, looking up at him with eyes of disbelief.
“Namjoon, we didn’t discuss this,” you said. Rather harshly, he grabbed the book from your hand, but the look in his eyes as he stared at you showed that he was sorry for his aggression. “We don’t need to. It’s done,” he said, lacking emotion. “Namjoon, what’s going on?”
His grip on the book tightened.
“What’s going on is that you’re not taking care of yourself.”
Your eyes widened.
“I know that you fainted today. I know that you asked for a longer shift even after losing consciousness. I know that you weren’t even gonna tell me. Am I right?” he asked, watching you with serious eyes. You said nothing, so he took that as a yes.
“I know that you come home to a cold house because you can’t pay the heat bill and I know that you come home to an empty fridge because you can’t afford to go grocery shopping.” For some odd reason, tears grew in your eyes. Yes, all those things were right, but you just didn’t really realize it.
“So, I’m done watching from the sidelines as you practically destroy yourself, y/n. I need to know that when I’m away that you’re taken care of. I need to know that you’re happy and living a life that you deserve. So,” he said, gently placing the book back into the box with a much softer demeanor. “You’re moving in with me.”
Defeated, not wanting to turn this into an argument, you nodded shamefully. You reached past Namjoon to grab another book to help him out given the fact that you basically owned all of the books in the world, but gently, his hand wrapped around your wrist, stopping you.
“No,” he mumbled, leaning down to place a warm kiss on the back of your hand. “Go sit on the couch and rest.” Normally, you would protest and help him, but your body barely made it to the couch before you collapsed, eyes fluttering closed within seconds.
He sighed deeply, upset with how short and firm he seemed with you, but as he watched your adorable yet exhausted figure sleep sprawled out on the couch, he felt a pang in his heart. He needed to protect you and he wasn’t doing his job.
So, by you moving in with him, while he was away, he could at least ensure that the lights stayed on, the water remained hot, the fridge was stocked with food, and that you had a warm, comfortable bed to sleep in every night.
He knew that he would need to have another conversation with you about the hours you worked, but for right now, this would suffice.
You didn’t have very many things so it didn’t take him long to pack the rest of your belongings. Sealing the last box, he left them all in the center of your apartment for the moving people when they came tomorrow.
Carefully, he transported your sleeping body back to his apartment, not wanting to wake you up. He knew that you needed rest. With delicate hands, he discarded of your clothes and managed to pull one of his shirts over your half-naked body before putting you in his bed, tucking you in like a child.
Kissing your forehead, he vowed to take better care of you.
Kim Seokjin
Jin practically showered you in love and gifts every chance that he got. He loved seeing the surprised look on your face when he presented you with something he knew you always wanted and how most times, you would be at a loss for words, so you would just plant the sweetest most passionate kiss to his unsuspecting lips.
You always felt bad whenever Jin spoiled you, but he would always boast about how proud he was of you, so for his sake, you tolerated it. But there was always a small part of you that wanted to return the favor, regardless of the fact that Jin always said no. And with each gift he bought for you, that small fraction grew until you were 100% determined to return the favor.
So, after a beautiful date at a pricey restaurant, you quickly gave your card to the waiter, catching Jin by surprise, causing him to stop midway as he reached into his pocket for his wallet. “What are you doing?” he asked lightheartedly, tilting his head to the side as he shoved his wallet back into his pocket. “Just let me do this,” you whined, a playful pout on your lips. Chuckling, he put his hands up innocently. “Okay, fine.”
The waiter walked back swiftly, an unreadable look on his face. “Ma’am, your card has been declined.” The smile was wiped from your face immediately as you grew uncomfortable. You felt embarrassed and that was evident on your face as your cheeks grew to a dark red tint. “Here, I got it,” Jin said as he lifted himself off of the seat momentarily to take his wallet out. Using his long fingers, he grabbed his card and gave it to the waiter who stood awkwardly with his hands clasped behind his back.
“Y/n,” Jin said in a low voice as you, with shaking fingers, put your card back into your purse. You held up that same shaking hand to silence Jin. Looking up, your stomach turned at the concerned expression on his face. “I don’t want to talk about it,” you practically whispered.
He opened his mouth to say something else, but ultimately nodded.
In a low voice, you asked to go back home and Jin obliged, not wanting to upset you.
You went radio silent for a few days, and while Jin could understand why you felt so embarrassed he grew a bit worried when you hadn’t contacted anyone in four days. Yes, that was a short amount of time, but you and Jin were used to spending every day together. So this was a drastic change to his routine.
So, on Friday night, he texted you to invite you over to the dorms for a weekly movie night with the boys. You lied and said that your car was in the shop and Jin simply replied with an okay, so you figured all was well.
But twenty minutes when you heard knocking at your apartment door, you opened in, in a full pajama set and grew shocked when you saw and angry Jin standing there. “Hey, what are you doing here?” you asked, a small smile on your face. “I came to pick you up since you said you car was in the shop. But funny thing. Your car is right in its usual parking spot,” he condescendingly said, clearly livid. You swallowed hard.
“I don’t want to talk about it,” you mumbled, staring down at your feet. He scoffed. “Yeah, you never want to talk about it. But when you are, let me know,” he spat before turning around and walking down the hallway out of your apartment building.
Slowly closing your door, silent tears slid down your cheeks as you once again felt embarrassed.
Jin took the rest of the day to calm down before thinking about what happened the day before. He wanted to fix things. He knew there was something up with you, and while he really wants you to tell him, he realized that verbally explaining your emotions wasn’t going to work.
Returning to your apartment around noon, he slid a notepad under the door with a small little message. He knew that you probably didn’t want to see him after the small outburst he had, so hopefully you would just read what he wrote.
You woke up extremely late and realized you had no milk to put into your coffee. With a loud groan, you pulled on shoes to walk down the street to the convenience store to get more, but when you saw a yellow notebook with scribbles on the front, you forgot all about the milk.
I know that you might be mad at me and I’m sorry for raising my voice like that with you. But I can see that something is wrong and I’m getting pretty worried. So, please, if you can, just write out what’s wrong and slip it out of the door at 5pm. I know you might not want to see me, which is fine.
I love you. Please don’t forget that.
Jin
You sat at the dinner table in your kitchen not knowing what to write at first, but soon you found yourself filling almost all of the pages with all the worries clouding your mind. You felt stupid reading some of the sentences you wrote, realizing it was stupid for you to be so upset about certain things. Yet here you were, lying to Jin about your car being in the shop because you were too embarrassed to tell him that you didn’t have money for gas and didn’t want you car to breakdown mid-drive.
And when 5pm came around, you found yourself scribbling your own little message too. Sliding the now-filled notepad back under the door, you went into your room, emotionally drained.
Jin really had been waiting out there since he left the notepad there, just sitting in the hallway. He was too worried to leave, if he was being honest. He needed to know that you were alright. So when he saw the notepad slide into the hallway, he grabbed it and smiled a bit at the message you wrote on top.
I would never not want to see you Jinnie. I’m sorry I’ve been rude and that I’ve lied to you. It’s all explained in here, though. Again, I’m really sorry for lying to you, it kinds just happened, but I hope you can forgive me.
And of course, I love you too.
Y/n
Reading the words you wrote with wide eyes, his heart began to fill with guilt after learning that you had been suffering alone for so long. You were eerily good at hiding your emotions. And after reading maybe twenty minutes about what was really just financial problems, Jin found himself watching tears that dripped onto the pages.
He sniffled and closed his eyes, trying to figure out what to say to you when he knocked on the door. But he needed to see you. He just needed to look at your face, so there he found himself knocking on your door.
You opened the door, groggy from the sleep you were just yanked out of.
Before you could even register that it was Jin, he was pulling you into his chest as he held you close. But you weren’t even mad at it as you melted into his much-needed touch.
“I’ll help you financially. I’ll help you emotionally. I’ll be better, I promise,” he whispered in your ear. You nodded, tears soaking through his shirt.
Min Yoongi
It wasn’t typical of Yoongi to ask you to accompany him to company events, let alone a whole celebrity event. Some music award show was coming up, and Yoongi had gone in the past and didn’t think to invite you. But now that your one year mark has passed, Yoongi realized that his relationship with you was forever.
So, when he asked you to be his date, at first you were a little nervous because you’ve never been to a place like that, but you knew that if Yoongi was asking you something like that, then he really wanted you to be there.
So, you said yes.
And though Yoongi would never admit it or show it, fireworks were going off inside. He wasn’t a fan of PDA, so he wasn’t going to kiss you or anything like that at the awards show, but just showing off the person he wanted to spend the rest of his life with would mean the world to him.
As you sat at your desk one day, bored at work, you thought about the event and a smile formed on your face at the simple fact that he even asked you. Since the beginning of your relationship, he made it very clear that he wasn’t going to publicly flaunt your relationship; he just wasn’t that person.
So this was a big development in your relationship.
But your thoughts began to drift from the invitation to what you were going to wear. And that’s where you began to get stressed. You didn’t have very many clothes. And it wasn’t a personal choice. You just didn’t have the funds for clothes, so you worked with what you had.
You racked your brain for any formal clothes you had, but all you could think of was a sundress your sister had loaned to you many years ago. You sighed, knowing that you don’t wear a sundress to something like a celebrity award show.
You figured that you would just have to find something online once you got home.
You at around seven pm, absolutely drained. You hated your job and the pay was shit, but if you worked enough hours in a week, you would just manage to scrape by.
You gathered enough energy, though, to smile when you saw Yoongi’s shoes at the door. You made your way to the bedroom, content when you saw Yoongi lounging under the covers, his phone in his hand as the bright screen lit up his face.
“Hey, baby,” he said, looking up over his phone. “Hey,” you said with a smile, letting out a sigh as you sat down at the bottom of the bed and instantly began to discard of your clothes.
“Hard day at work today?” he asked, his voice closer. Suddenly, three open mouthed kisses trailed along the skin of your shoulder. “Yeah. And fucking long, too,” you breathed, falling back into his warm embrace. “You work so hard,” he mumbled, arms wrapping around your front.
“You know, you can just sleep in this.” You looked down at your bra and panties, thinking about changing into some sweatpants because you were a little cold, but that’s why you had Yoongi, so you shrugged and nodded.
Leaving his grasp, you crawled up into the bed and Yoongi crawled up about half way, his head coming to comfortably rest on your lap. Running your fingers through who you thought was a sleeping Yoongi, you reached over onto your nightstand and grabbed your laptop, looking for ballgown-like dresses, cringing at the prices.
You found a dress that you thought was appropriate for the occasion but also sexy and sleek. You added it to your wishlist. That was a habit of yours. Since you never had the money, you would save things to your wishlist in hopes of one day having the funds to buy it.
Yoongi knew this too, and as he watched you hover the cursor over a dress he knew you wanted, his heart ached at the sounds of you muttering. “It costs so much..and if I buy it, how will I pay the light bill?” Yoongi didn’t want to say anything, though. You thought he was asleep and he wanted to keep it that way.
So, with a heavy sigh, you closed your laptop and put it back where it belonged.
Maybe five days later, as you entered your bedroom after coming back home from yet another long and tiring day, your mood lifted immediately when you saw Yoongi resting comfortably in your bed, the tv on the wall across from him on some random show.
Just as you opened your mouth to say something, an item of clothing on the bottom of the bed caught your attention. Upon closer examination, you saw that it was the ballgown you wanted to buy. Your mouth dropped open in shock as you turned to Yoongi.
He gave that cute little side smile. “Do you like it?” he simply asked. “How did you know I wanted this one?” you asked, in complete and utter shock. Sliding out of bed, he stood beside you and looked at you. “Magic powers,” he joked, fluttering his fingers, causing you to chuckle.
“Seriously. Let me pay you back,” you quickly said reaching into your purse, but his hand held onto yours and brought it up to his lips. “There’s more coming,” he said before placing yet another kiss on the back of your hand. Your eyes widened. “More? What?”
“You’ll just have to see,” he speculated, his eyebrows rising. Tears prickled your eyes. “Yoongi, I don’t know what to say..” you mumbled, on the verge of tears. “Then don’t say anything. Just go try it on so I know it fits,” he said, a cute little boyish smile on his lips. You took the dress into the bathroom and put it on, tears streaming down your cheeks when it fit perfectly as you gazed at yourself in the mirror.
When you opened the bathroom door, Yoongi looked you up and down, his tongue passing through his lips. “Damn, y/n. It looks even better than I could have imagined,” he complimented. You blushed and slid out of the dress, not wanting to get it ruined, and ran into Yoongi, arms wide.
Chuckling, he held your half-naked body close. “I love you,” was all he said, kissing the top of your head. “I love you, too.”
Several days later you were in tears once again when you realized that he had purchased all of the clothes in your various wishlists. And he made you put on a little fashion show for him as you were extremely happy to have new and cute clothes to wear now. And as you showcased each outfit, Yoongi thought, “Damn. I’m spending the rest of my life with them.”
Jung Hoseok
Hoseok admired how much of a hard worker you were. He admired how many hours you put into a job that you hated just so that you could flower him in gifts. Hoseok never took the gifts, though, because he knew that while you were trying to repay him for all of the little expensive gifts he had given you, the money you used to buy those things needed to be used for bills.
He never let you handle the bill. He never let you pay for even something as simple as an ice cream cone. He would often bring you to hair salons and nail salons so that you could get in some self care because he knew that while he was on tour, you were just working yourself for hours upon hours without a break.
You had only really talked about your issues with money once to Hoseok, and though that was months ago, the conversation was fresh in his mind and he always observed you with wide eyes.
Through an issue with your landlord, you realized that you had to move. But, the issue was that you didn’t have all that much money. So, for about a month, you went off the grid, just barely talking to Hoseok as you worked your ass off to make just enough to buy another apartment.
And when you did, Hoseok took you out to celebrate, extremely proud of your hard work.
But when you had purchased the apartment, similar in size to your previous one, you realized that you didn’t have enough money to buy more than a cheap bed and a couch. Your other apartment included furniture, so you lucked out, but now, you were eating dinner without a table, cross-legged on your extremely uncomfortable bed.
Hoseok would ask where all the furniture was and you would lie and tell him that it was coming in a few weeks, but Hoseok could see the sadness behind your happy expression. He knew there was no furniture coming.
I was after he had heard you crying in the bathroom on the phone with your sister that he realized how unhappy you were. Yes, you worked hard, but whenever you were around Hoseok, you always had a strong front up because you didn’t want him to worry. But he was. He always worried about you.
On a day off your boss practically forced you to have, Hoseok had an eventful day planned. After discussing with the boys, he planned for a “day out” far in into the country, at least a four hour drive. You had agreed to go and so did all of the boys, but last minute, Hoseok said that he had some stuff to deal with, but he encouraged you to go.
And while you would miss him a lot, you were also friends with the boys, so you knew the day would still be fun.
You and the boys left at the crack of dawn because of the long drive, and it was then that Hoseok put his plan in place.
He knew you like the back of his hand. It was as if you and Hoseok were twins. You had the same music taste, clothing style, and design style. So, Hoseok figured that he would hire some designers to help spruce up your apartment.
The designers and painters came in sharply at 6am, ready to decorate the shit out of your apartment. You always had a soft spot for interior design, so whenever you got the chance, you would show Hoseok all these pictures and gawk over them for half an hour.
Hoseok gathered all the things he knew you liked and spit it out all over your small yet cozy apartment. He even helped a little, painting the walls of your bedroom a light grey.
It took nearly all day for all the new furniture to be moved in, and once they were done, Hoseok thanked them and looked around, doing a last minute inspection before you came home. It was probably around 9pm when you entered the apartment, exhausted. The boys decided to go home, but they dropped you off at your apartment building first.
You pushed open the heavy door to your apartment and honestly thought that you had walked into the wrong apartment. But nope. Hoseok was standing in the living room, a bright smile on his face with his arms outstretched.
“Welcome home!”
“Hoseok, what is this?” you asked, at a loss for words. “Do you like it?” he asked in a hopeful voice, eyes sparkling. “Of course I do,” you mumbled shortly, looking down at your feet as you tried to calm your oncoming tears. You hated crying in front of people.
“No, no. Please don’t cry.” Moving quickly towards you, Hoseok wrapped his arms around your body, holding you close. “This is supposed to be happy,” he added in his always-cheery voice. You nodded, sniffling as you wiped a few stray tears away.
“I am happy, Hobi. You didn’t have to do this,” you said, looking up at him with watery eyes. Showing that bright smile of his, he kissed your forehead. “I love you and I want you to have a nice home to come back to after you work so hard,” he whispered, quickly wiping tears away before they got past your defined cheekbones.
“I love you, too,” you said with a smile large enough to brighten millions of lives.
Park Jimin
Jimin didn’t know you were struggling with money. It was either you were really good at hiding it or he just figured the opposite. You came from a severely wealthy family would could send the next six generations to college with their seemingly abundant funds with ease. But, since you were the oldest of your siblings, you got cut off as soon as you turned 18.
Though you grew up around maids and cooks, you were the least spoiled and self centered like the rest of your siblings. You made the right friends who introduced you to the world, so as you went off to college and stuff, you didn’t sound like the stuck up rich girl your parents had raised.
If anything, you were glad that your parents cut you off because you wanted to make a name for yourself and work hard for your money, rather than get it handed to you.
You knew that it would be hard since you had to pay your way through college and somehow pay back your student loans, but when your bills were stacked high and your bank account was empty, you at least thought that your parents would extend an olive branch and help their only daughter out.
But nope.
“Mom,” you began, sitting down at your kitchen table, your head resting lazily on your cheek. But as you heard her tone escalate, given the fact that your mother was very short tempered, you put the phone on speaker and placed it on the table.
“No, y/n. Do you know what the meaning of “work for your money” means? When we had this discussion all those years ago, you seemed so happy to make your own money. And it seems that you’re doing pretty good since then,” your mother irritatedly said, no doubt rubbing her temples like she always did when she was stressed.
“Well, clearly I’m not doing too well if I mustered up the courage to call you,” you snakily said, dumbfounded by how this conversation was going. “Y/n, we’re not giving you any money. This is adulthood. It gets hard but it gets better,” she said with a heavy sigh.
Tears prickled your eyes, so you took in a deep breath, trying your best to regulate your mood and not get too upset. “Mom. I’m getting very close to losing this place. You really aren’t going to care when I’m on the streets?” you asked in a low voice, afraid of the answer you were expecting. “Of course I’ll care!” she exclaimed, upset that you even asked that.
“Just go live with that boyfriend of yours,” she added, causing you to scoff, anger replacing the sadness that once tried to plague your body. “I’m not like you mom. Living with my rich partner just to live off of their hard earned money and sit on my ass all day!” you shouted into the phone. Your mom hung up and you put your head in your hands. “Fuck,” you breathed out, brushing the hair out of your face.
Jimin stood in the slightly ajar doorway, listening with wide, tear-filled eyes. He didn’t know. He had no idea. And from the sounds of it, he wasn’t supposed to know. He wasn’t supposed to hear this. So, he asked himself, do I say something?
As he thought about the answer to that daring question, he entered the apartment as if he had just arrived, plastering a fake smile on his face. “Merry Christmas, baby!” he shouted, causing you to quickly look up from your hands. “Merry Christmas,” you calmly said, walking over to him as you let him embrace you, placing a kiss on your cheek.
Well, technically, it wasn’t Christmas. It was Christmas Eve. But Christmas was your favorite holiday, so in your house, it lasted all week up to Christmas.
“I have the Grinch ready for us to watch,” you said with a sweet smile, holding his small hand in yours and dragging him over to the living room. He opened his mouth to say something, but when he saw how happy you were at the sight of him, he knew that he didn’t want to bring up all those upsetting emotions again.
Guess that was his mistake.
Pulling him down on the couch, you snuggled into his side as you began the movie. Wrapping his arms around you, he looked around your apartment and noticed that his own Christmas spirit was rising at the sight of the bright and festive decorations you decided to decorate with.
Rubbing your back, he placed a simple yet sweet kiss to your head, battling with his own thoughts on how to approach this situation.
Or even if he should.
It was maybe halfway through the movie when the lights went out, including the tv. You let out a little squeal, caught by surprise, but Jimin’s arms tightened around you as his eyebrows furrowed in confusion. You were confused momentarily, too. But then you remembered.
“Here, give me a second. I’ll call the landlord and see what’s going on,” you said, aiming to kiss Jimin’s cheek but instead cutely kissing his nose. With your arms out in front of you, you made your way to the bedroom, calling your landlord.
Jimin, beyond curious at this point and confused decided to follow you and linger outside the door of your bedroom.
“You can’t give me a few more days? I’m sure I can gather the money by then,” you spoke in a low voice, Jimin’s heart shattering. “Fuck,” you muttered, nibbling hard on your bottom lip. But Jimin had heard enough. He knew what was going on and while it hurt him to the core, he knew that you would probably need comfort.
So, using the flashlight on his phone, he went to your candle cabinet in your kitchen and lit all of them with matches, littering them around the living room while you sat on the floor in your bedroom, trying to think up a lie to tell Jimin.
He spread out multiple blankets on the floor in the living room and mentally praised himself for a job well done.
Just as he sat down, you emerged from your bedroom, eyes wide. “What’s this?” you asked slowly. “The lights are probably out in the whole building, so I figured we could make it cozy,” Jimin lied as he shrugged, a sweet, innocent smile on his lips.
Slowly, you made your way over and Jimin pulled you down onto his lap, wrapping the both of you in a thick blanket. No power meant no heating, so indefinitely, the cold air of Seoul would seep into the apartment.
He thought you looked beautiful with a combination of moonlight from the window and candle light brightening up your face, casting shadows in all the right places.
Slowly, his hand rubbed your back.
“Y/n,” he said in a low, gentle voice. He knew. He knew. And that was enough to have you in a mess of tears, too embarrassed to say anything. Jimin’s eyes teared up immediately. “No, no. Shhh. I’m here,” he whispered, holding you close with no intention of ever letting go.
“Why didn’t you tell me?” he asked, trying to gather more information. You shook your head, shoving the palms of your hands into your eyes. He placed three sweet kisses to the crown of your head. “Y/n. Let me help you. I know you hate asking for help, but please. Let me help you,” he muttered. You hesitated, but nodded slowly.
He had a strong feeling that this had happened before. And that’s what hurt him the most. He knew that while he was abroad doing what he loved, you were sitting in the dark at home alone, too proud to ask for help.
You had calmed down at this point, but there were still a few sniffles here and there.
“Here, we can finish watching the Grinch,” Jimin said as he took out his phone, going onto Netflix to resume where you were. And he held his hand out in front of your face as you watched, trying to allow your favorite childhood movie to calm your nerves. But when he heard your soft little snores, he turned off his phone, preserving the battery and he looked down at you.
“I’ll help you from now on. Always,” he whispered before falling asleep right on top of you.
Kim Taehyung
You were sick. Really, it started out as a simple cold you got from standing out in the rain like an idiot. But you were Taehyung’s idiot, so of course he took care of you. He loved being able to have an excuse to constantly hold and baby you. And you loved it, too. He stayed at your apartment with you and cared for you like you were a helpless child.
He made you soup, cuddled and kissed you, watched movies with you, and gave you baths. But it seemed that the cold was turning into something much worse. Taehyung urged you to go to the doctor, but you insisted that it was just a cold and that you were going to be fine. You just continued to take the same medications. Well, that was until you ran out.
Taehyung lovingly kissed you on the forehead before he left to go to buy you some more medicine.
And that’s when things took a turn for the worst.
Taehyung came home to you sweating like crazy as your body shook slightly. Taking your temperature with furrowed brows, he saw that you were running a dangerously high ever. Higher than he’s ever seen. “I’m taking you to the hospital,” Taehyung murmured as he picked up your shuddering body, holding you close as he slid his feet into shoes.
“Wait,” you said in the weakest voice he had ever heard escape your lips. “What, baby?” he asked, looking down at you with the sweetest yet concerned expression. “I don’t have health insurance,” you groggily said, eyes drooping closed. His eyes widened. Maybe it was just you being a little too sick. Maybe you just didn’t know what you were saying.
Nonetheless, he frantically took you to the hospital, beyond scared for your wellbeing.
With a start, you sat up in bed, gasping for air as you looked around your surroundings. “Woah, woah. Take it easy,” Taehyung said beside you in his chair, sitting up and grabbing your hands. “Why are we here?” you asked in a hoarse voice. Handing you a cup of water, Taehyung said, “You have a bad case of the flu.”
Eyes wide, you tried to take the IV out of your arm, but in an instant, Taehyung was firmly holding your hands. “What are you doing? It’s helping you,” he said, confused as to why you were acting like that. Sniffling, you fell back into the hospital bed, a hand coming up over your mouth to muffle your sobs. “What’s wrong, baby?” Taehyung asked as he stood up and hovered over you, stroking your hair with one hand. “I don’t know..how I’m going to pay these hospital bills,” you managed to get out before breaking into much louder sobs.
So you did mean it. You weren’t just sick and delirious. You really didn’t have health insurance. “Hey, shh,” Taehyung murmured as he placed his body over yours, his head resting next to yours as he rubbed your arms, simultaneously kissing your neck. “Let me pay the hospital bills. You don’t have to worry about that. Please, don’t worry about that. You just need to focus on getting better.”
Suddenly, your hand flew to his arm and tightened its grip, causing Taehyung to move his head back and look at you Your eyes were wide with what Taehyung could only guess was fear. “I’ve got it, y/n. Don’t worry about it. You’ll be taken care of,” Taehyung promised, stroking your insanely warm cheek. Your fever still hadn’t gone down by much.
Feeling the effects of the pain medicine pumping through your veins, your eyes began to droop once again and you fell back asleep, leaving a concerned Taehyung. He didn’t know that you didn’t have health insurance. Were times that hard for you? Were your finances really that low?
Regardless of that, he focused on your recovery, and when the bills came in the mail, he grabbed them before you could see and paid them. He couldn’t add you to his health insurance since you weren’t married yet, but he always paid your medical bills whenever the issue arose. He paid a lot more attention to the financial issues you were having. He wanted to care for you in more ways rather than emotionally.
Jeon Jungkook
It was your birthday. And while it was another birthday of many, it was your first birthday with Jungkook. And honestly, Jungkook had been awaiting this day more than you have. He had arranged to have the day off just so that he could spend every hour he could with you on your special day.
You never really made a big deal of your birthday because it just felt like every other day of the year. You never got gifts, you didn’t go on elaborate vacations, and you never had a party. So really, all you did in preparation for this “big” day was buy yourself a nice tub of ice cream to share with Jungkook.
But nope.
Jungkook had better plans in mind. He wanted to spoil the shit out of you. It wasn’t like Jungkook didn’t buy gifts for you because he did, but he always noticed how you were hesitant to buy yourself something nice and treat yourself. He knew you weren’t a minimalist, so when he saw that you cycled through the same five shirts and three pants and wore the same pair of sneakers, even if they were tattered and dirty, he grew confused
So he talked to Namjoon about it and Namjoon asked if you worked a low paying job. Jungkook said yes. Namjoon explained that you were probably struggling with money.
This was new to Jungkook because he never suspected that of you. You always wore the small amount of clothes you had with a smile and never once complained. Sometimes, though, you would opt out from buying something if the two of you went out to eat or you would always get super anxious when Jungkook offered to pay.
You were shorter than Jungkook, but your ego was taller than you and Jungkook combined. So, there was no way, no matter how bad things got financially, that you would ask Jungkook for help. You liked to solve things on your own.
Jungkook had been thinking about taking you on an impromptu shopping spree for a while now, but since it was your birthday, there would be no better time for him to drown his baby in designer outfits you would never buy for yourself.
Jungkook had to literally drag you into the mall.
“Jungkook, what are we doing here?” you whined as he kept his grasp on your hand firm but gentle. “Give me a second,” he said, turning back to flash a smile at you before turning back around and navigating his way through the large bustling building.
He took you to a store that he thought suited your style perfectly, and as you stood in the entrance beside him, looking wide eyed at all the clothes, he gave a gentle shove, pushing you a few feet into the store before you stopped yourself.
“What are you doing? Aren’t you here to buy something?” you asked. “No,” he said with a boyish chuckle, shaking his head at your adorable oblivion.
“Pick out whatever you want. Part of your birthday present is a shopping spree. So, go crazy!” he exclaimed, expecting you to smile and go look at the clothes, but he didn’t expect for your face to be so red. That really only happened when you were anxious and embarrassed. To your dismay, you were feeling both at extremely elevated levels.
Throwing away his joking front, his face became serious as he reached over and grabbed your hand, pulling you out of the store and gently pushing you against the wall a few feet away from the entrance.
Bending his knees so that he was level with you, he frowned.
“What’s wrong?” he asked. You looked down at your dirty shoes, feeling small under the gaze of your millionaire boyfriend wearing spotless and practically new sneakers. Instead of answering, you nibbled harshly on your bottom lip.
“Hey,” he said softly, lifting your chin so you would look at him.
“You work hard, y/n. So hard and I’m so proud of you. Let me treat you,” he gently spoke, staring into your eyes. “But I don’t want you to waste your money on me,” you murmured. Jungkook scoffed.
“If it was being spent on you, it would never be wasted,” he replied, but all you did was shake your head and look back down.
“Y/n,” Jungkook called.
“This is me taking care of you,” he began, his heart beating loudly in his chest. “Please, let me take care of you.”
Sighing softly, you nodded with unease, still not 100% okay with the idea. With a sweet and long kiss to your forehead, he intertwined his fingers with yours, this time, entering the store with you since he knew you would need some encouragement. “Pick something,” he encouraged with a smile. You, with a shaky hand, reached for the cheapest t-shirt. Jungkook frowned. He knew you didn’t even like it. And as you looked around the room, he could see when you saw something you liked.
And yes, the prices were high, but what was the point of making all that money if he couldn't share it with anyone?
So, Jungkook got clever.
“Here, why don’t you get this?” he suggested as he lifted these ugly brown jeans off of the rack. He could see your nose shrivel up. “These are cuter, though,” you said with a smile as you lifted a pair of jet black skinny jeans next to them. “Okay, then get those,” Jungkook said, and you happily draped it over your arm.
Jungkook had to do that every time for you to buy something, but once you caught on to what he was doing, he settled with picking stuff out that he could see that you liked or stuff that he thought would look good on you.
After about maybe one hour of Jungkook using his hidden fashion skills to create outfits for you, he brought he clothing items to the register and waited patiently as it all got rung up. But, through the corner of his eye, he saw you staring intently at the overall price rising significantly with each beep of the machine.
Shaking his head with a cute smile, he, without warning, picked up your body and slung it over his shoulder, playfully slapping your ass.
“Jungkook, put me down!” you exclaimed, punching his ass with your hands, but instead of doing what you asked, he reached into his pocket for his wallet. “Jungkook, don’t pay for that!”
“Oops. I already did,” Jungkook said, finally putting you down once the prices were off of the screen. Pouting, you didn’t help carry any of the bags, so Jungkook did and walked out of the store with you.
“I can’t wear any of these,” you complained. He chucked cutely. “I’ll just give it to Jimin. You and him have similar styles,” Jungkook said with a simple shrug of his shoulders. You gasped. “Nope. Nope. I’m good. I’ll keep it,” you quickly said, causing Jungkook to let out a full body laugh.
“Happy birthday, darling,” he mumbled, placing some of the bags in your hand. All you could do was smile.
#bts#bts reactions#bts scenarios#bts imagines#bts drabbles#bts rm#bts namjoon#bts kim namjoon#kim namjoon#bts yoongi#bts min yoongi#bts suga#suga#min yoongi#bts jin#bts kim seokjin#kim seokjin#jin#bts jhope#bts hoseok#bts jung hoseok#jung hoseok#jhope#bts jimin#bts park jimin#park jiimin#bts v#bts taehyung#bts kim taehyung#kim taehyung
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good time (the 2010s + me)
10 years of Heather... YESSSSSSS.
I mulled over various drafts of what you’re going to read today.
There was a draft where I summed up everything, literally everything, that happened to me over the last 10 years. The more I read that draft, the more it felt increasingly like a diary entry that did not warrant publishing of any kind.
I had a draft where I was only going to recap the good things that happened to me. That read like I had the world’s worst blinders on.
I weebled, I wobbled, I tried to organize my thoughts using bullet points. None of it worked and all of it sounded like noise, even though I was technically going in order of the last 10 years. So, I’m just going to keep it simple and focus on the basics.
I went on two pivotal journeys in the last 10 years. The first is the start of my writing career and the second was repaying my student loans. Note that the latter half of that sentence is written in past tense. In 2019, after nine years in debt, I paid off all my loans in full!
I want to talk about the loan journey first because it had an expiration date, even though I did used to think I was gonna die with those loans. Rather than sound like a broken record rehashing the story of how I paid everything off again, I want to share two aspects of paying off student debt that nobody talks about online.
The first one is that once it happens, after your debt is paid in full, you’re not rich. You have a little more money every month, but you can’t go out and change your lifestyle radically. If anything, you have to remain in place a little bit longer and remain on a budget. There’s certainly irony in debt repayment. The debt is gone, but you are not exactly free yet. You have to recoup the losses.
The other aspect of student loans is how quickly you forget about it once it’s paid off. And I mean all of it — the emotions and experience associated with loan statements and making monthly payments. I spent years lying in bed unable to sleep at night stressed out about my loans. I never think about it now.
Paying off my debt alone was really difficult, but deep down I think I always knew that this was going to be my journey. My debt was not going to disappear, no matter how much I wished for a genie’s lamp or hoped a dead relative would throw me some bones in a will or I could magically find a spouse to marry who would assume the payments for me. I made a lot of lifestyle sacrifices to get out of debt. I prepared a few years in advance because I knew that what was ahead was going to be miserable. I remained disciplined, I treated my life with a Spartan mentality, and I crawled my way out under the 10-year deadline to freedom. Sometimes that’s what freedom looks like. It’s not a climb or a sprint to a finish line. It’s a crawl.
Onward to writing!
I was still in college at the start of 2010. Back then, I was an extremely green writer with few clips under my belt outside of an internship at the Ventura County Star and a column in The Echo (CLU’s newspaper). As a post graduate, every writing experience I have had has been a combination of good luck, timing, location, and the willingness to push myself and work hard.
Ever since I was a little girl, I wanted to write in the entertainment space. I always loved reading the pop culture section of the USA Today and soaked up my subscriptions to Entertainment Weekly and Premiere Magazine like a sponge. I was determined to break into entertainment however I could, and I got in on the ground floor of BettyConfidential and HelloGiggles as a contributing writer in 2011.
The early 2010s was a short-lived timeline before most of the major media moguls began buying these sites out. I remember this time as one — and everyone who started during this time will say the exact same thing, trust me — where everyone really was each other’s friend in the media space. Content felt fresh. It was new. It was also really kind. There was a lot of room to share your story and experience and receive incredible, positive feedback from readers.
BettyConfidential... What a wonderful group! Was there anything better than waking up at 5 AM the morning after the Golden Globes to email over my best-dressed picks? (Sometimes emailed over the night before, I must admit.) I wrote my heart out in that LA Correspondent gig, covering fashion and celebrity news. It gave me so many opportunities to lead the kind of life most people who move to California never get the chance to have. I had the good fortune to go to red carpet events and awards ceremonies and gifting suites and sit in on movie sets and chat with celebrities (often in more candid spaces than is the norm) that I would never have had otherwise. Betty gave me a much-needed glimpse behind the camera of celebrity and the etiquette for how to be a reporter in this space. My experience at HelloGiggles differed from Betty in that it was much more social media driven. That was definitely the site where you earned your following and found your people in the Twitter space.
Collectively between Betty and HG, my favorite memories were...
1) The first time I went to New York City to cover Mercedes-Benz Fashion Week. I went to as many shows as I possibly could in Lincoln Center, took photos with my iPhone, stayed up writing and writing with my photos at the hotel afterwards, and did it all over again the next day for 3-4 days. I also packed very poorly for February 2012 weather. A trench coat and flats in 20 degree weather with snow... but I still looked good!
2) I went to an event celebrating L’Oreal’s 40th anniversary of their “Because I’m Worth It” tagline (an early foreshadowing of my future in writing in advertising). I wrote a nice article about the event, shared the story, and went about my merry way into the rest of my workload. A few weeks later, I received a gift in the mail from their team: a huge gift card to Saks Fifth Avenue! There has never been a Cinderella moment in my life quite like the way I spent this gift card. I went to the Saks Fifth Avenue in Beverly Hills and bought a beautiful designer day dress that I wore everywhere (and still have in my closet).
3) The first time I went to, and covered, the Pillsbury Bake-Off for HelloGiggles. (Look at all that foreshadowing!) The Pillsbury Bake-Off is such a delightful experience and not just because there’s a life-size Pillsbury Doughboy walking around either. The events are held in hotels with convention-sized rooms where one can fit 100 ovens. 100 finalists all bake at the same time and compete for a chance to win a million dollars with their recipe. Bake it like you mean it! I even had dinner one table away from Martha Stewart at the Orlando Bake-Off.
I tried not to decline any opportunities. I made everything work, as much as I could. As far as regrets go, the only event I turned down was an opportunity to go backstage and cover the Victoria’s Secret Fashion Show. The logistics and timing were really off. There was absolutely no way I could have flown to New York in time for it... but I will always wonder what if!
In a post-Betty and HG world, which is where I was in 2014 when both gigs wrapped, I began pivoting toward a new vertical: advertising. My discussions with Advertising Week began in late 2014 and I started writing for the website in 2015. Initially, this was a situation where I filled in the gaps with whatever content I was asked to write. A lot of it had pop culture tie-ins with Mad Men. (Shout out to my brain for already being a fan of the series and intricately understanding the ins and outs of its characters that tied in with advertising’s heyday!)
The first major series of articles I worked on were sponsored by Adobe, so there was an increased expectation to go above and beyond in the manner I wrote, the amount of research conducted in each article, and understanding the audience. I was ready to meet the challenge and was met with high praise for this hard work. During this time, I also briefly worked in transcription for Flaunt Magazine. I transcribed interviews for one of their writers, which made me feel as though I came a little full circle yet again to entertainment.
In March 2015, I received the opportunity to go to Chicago to the Museum of Broadcast Communications. It was for an event called “A Salute to Advertising’s Greatest Icons” which honored 10 of the greatest brand mascots in advertising. My favorite character, the Pillsbury Doughboy, was one of the honorees. Even more exciting, the creator of the Doughboy Rudy Perz would be in attendance. I immediately asked AW if I could cover the event and they agreed. However, a great tragedy occurred days before the event. Rudy passed away. I was completely crushed. As a lifelong Doughboy fan, I realized I would never get the chance to tell him how much of an impact that character had in my life.
In the 24 hours I spent in Chicago, I got to tour the museum space, meet and spend time in the studio of JoBe Cerny (the voice behind the Doughboy’s giggle!), and attend the event and its dinner. Each menu course was inspired by the 10 brand mascots. It was so much fun! I promptly wrote up the article and gave it to my bosses.
This article sparked the beginning of how I have carved a name out for myself in advertising. Brand mascots. We started discussing how to create content about characters, which I jumped at the chance to write. Before long, I had written so many character-based articles that the content spilled over the website. It required its own platform, PopIcon, which officially launched in 2016.
The greatest joy of my writing career so far has undoubtedly been PopIcon. There is so much to cover that I have gone through stages in writing. The initial stages of introducing the character to the world, the stage of updating everyone on the character’s current events (these critters are more active than you think!), and the historical narrative behind the mascot. There is only so much information a PR person can provide you before you can’t work with a one-sheet condensed timeline anymore. You have to get out there and behave like a journalist, finding creatives to talk to and share their stories. My favorite thing is when someone tells me that they have nothing to say. Then, they launch into a narrative of what life behind the scenes was like animating Lefty from Hamburger Helper or recruiting a voiceover actor for an ad campaign. That’s a lot to say! There is no absolutely story that is too small. Every bit of it is history and it has a place to be shared.
I struggle to pick my favorite PopIcon piece. At any given point, every article I have written has been my favorite. They are all jewels in a crown to me, which is a unique way to view your writing. Really, it’s how I hope every writer views their body of work as it grows and progresses.
However, if you must read anything... try these pieces on for size!
Leo Burnett’s Oral History, As Told By 8 Former Creatives (Part One & Two)
Putting The “Kool” Back In Kool-Aid
How Seth Werner Turned A Cluster Of Grapes Into The California Raisins
Monsters! A Brief History Of The Monster Cereals Icons
Ken Stewart, Creator Of The Coca-Cola Polar Bears, Reflects On Their 25th Anniversary
AW has been responsible for sending me back to New York City. In 2017, I went to New York to attend my first #AWNewYork event. My articles ran in their print publication, I hosted a panel, and I appeared on NASDAQ’s Closing Bell ceremonies live on CNBC and HLN. In 2018, I did the same rounds plus an Icons Gala which I worked on at the same time I was paying off my student loans. The Icons Gala was a massive success and I am so proud of it because it was really tough work. And in 2019, I came back for another #AWNewYork event and celebrated with all my mascot buddies once again.
Outside of PopIcon, I have my hand stuck in a series of freelance honey pots. I always like to keep the wheel rotating, as a means of avoiding stagnation and growing my work. It never ceases to amaze me where the wheel naturally rotates next. I wrote for Brit + Co when I lived in Orange County in 2016. I had a few pieces run on The Drum. I wrote for Ed2010 for two years, which felt like a return to my roots because Ed was the reason I got in with BettyConfidential. I still write with Business Insider, Coin, and Fairygodboss, all outlets I’ve been with for a few years now (minus Coin which started in 2019). Weirdly enough, I was fact checked in an obituary this year in The New York Times.
“Dabble in something new” was my fortune I received from a fortune cookie in the spring of 2019. Good timing. What could I do next that felt new? Where could I start to grow?
I have had my eye on weddings for awhile now, in more ways than one. You can’t help but notice when everyone you know is getting married. You really can’t help it when you’ve been a bridesmaid three times. When I think of the last frontiers of verticals where pure joy exists, it all goes back to basic life rituals. Marriage is one seeped in love, history, and etiquette. I started writing with the aptly-named wedding app Joy a few months ago. Finally, I was able to break into modern wedding editorial.
That has been the last ten years of my writing career, in a nutshell. Upon writing this out, I realized just how lucky and fortunate I am that everything looks so neatly tied together. The gaps have been few and far in between. Regardless of what was going on in my personal life or when things were difficult, doors kept opening for me. And I did everything I could to walk in when it happened.
Doesn’t it look like the land of Oz over here sometimes? It has been 10 years. If you juggled this much writing on top of a full-time job, nonstop for a decade while aging from a twentysomething into your thirties, you would probably run into some issues keeping your self-sustained sausage factory running. It’s not a realistic story if the heroine isn’t facing growing pains.
I am not a perfect writer. I’m never going to act like the Heather cup of tea is for everyone to drink up because it’s not.
I have had countless nights where I have been up late writing, researching, or editing drafts. My interviews with creatives sometimes last for a few hours. I have procrastinated my workload until the last possible minute, leaving me frantically pinned against a wall pushing all the puzzle pieces around until they fit in the eleventh, in the twelfth, hour.
I’ve had my brain switch completely off into a “duhhhhhhhh” setting. In this setting, I shut myself in and watch reruns of TV shows I have already seen before. I have to mentally peace out from the world. This is because operating at eleven every single day takes a lot out of you.
I have been rejected by a few outlets. Totally happens. I have also been told I am overqualified on more than one occasion.
In 2019, I finally seized the opportunity to buy my domain, which was not previously available, and create a space for my work.
I’ve learned a lot about one other person in the last decade: myself.
I know exactly who I am. I’ve hit reset on my life multiple times over the last 10 years, switching jobs, cities, and freelance work. I can reinvent some of me, but I can never leave myself behind. Nor would I ever want to do that. I love myself. She is still a work in progress, but it is progress I will do anything for, even if it means crawling alone for years on end. I do it for her.
Everything is up to timing. In time, everything will be as it is supposed to. That time will be the right time.
If you are ever unsure of what to do next, look to the past for guidance. Everything I loved as a child is coming full circle into my life as an adult.
I think the greatest thing I can do, now and in the next decade, is to continually work at making the younger version of me happy with her adult self. If the 10-year-old version of you could see you now, what would she think? Would she be proud of the person you grew up to become? Certainly I think the younger version of me is probably a little upset I don’t read as many books as I did in my Scholastic book club days (I’m working on it!). But, I do think she would be pleased with the woman I am in 2019. The things I have already accomplished and feathers in my hat. My personality and work ethic. The dreams ahead of me and the goals I still have left to achieve.
While I have no idea where I will go in the next 10 years, I am excited to see everything that comes my way in 2020 and beyond. I will keep writing. I will keep working. And I will continue to keep not telling anyone what I’m doing until it happens. I have found life is a lot more fun when you whip out a good, unconventional “surprise!” on everyone that nobody saw coming.
Keep your pen at the ready. It’s gonna be a good time.
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Support for Businesses During COVID-19 Restrictions
The following is a brief article based on information provided by the ACCC regarding COVID-19 information for businesses
Delivery Delays
My customer has ordered products but delivery has been delayed due to COVID-19. What shall I do?
Australia Post has stated deliveries are taking longer due to the impacts of COVID-19, including international delays, less domestic flights and high volumes of products being bought online. These factors will also be affecting courier and delivery businesses.
Businesses should anticipate that it may take longer than usual for online purchases to be delivered to customers, and review their usual advice to consumers on delivery estimates accordingly.
You should clearly communicate any potential delivery delays to customers prior to and at the time of purchase. We encourage business to be proactive in providing customers with updates about when delivery can be expected.
Timely and frequent proactive communication with customers at this time can reduce the need for customers to make additional enquiries about the status of their order.
Businesses should also amend any express delivery options that cannot be guaranteed, particularly options that are offered at an extra charge to consumers. Any business using Australia Post's Express Post delivery option should take care with representations made to consumers about expected delivery times, given that Australia Post has temporarily removed its Express Post next day guarantee.
My customer has already paid me online. Do I need to offer them a refund if they want to cancel their order?
If you have accepted payment for an item, you must supply the item to the customer by the date you have indicated or within a reasonable timeframe (if no time was specified).
Many businesses are managing supply and/or delivery delays due to circumstances arising from the impacts of COVID-19. In the current circumstances, a reasonable timeframe is likely to be longer than what is usual.
You should provide your customers with timely information about whether the product they ordered is in stock, and an estimate of when they can expect to receive the item.
Active and frequent communication can help businesses manage customer expectations and reduce the need to divert resources into managing customer complaints.
Business closures
I run a gym and need to close due to government restrictions. Can I still charge membership fees?
If your members make regular or recurring payments for membership and you cannot continue to provide the service, you must not process further payments without the member’s consent.
The Australian Consumer Law prohibits businesses from taking payments for services when there are reasonable grounds to believe the services won’t be supplied.
This applies whether or not the contract allows payments to be suspended.
You can continue to take payments if you are still providing services to your members, for example online classes, with their agreement.
If payments have been deducted while the gym has been closed then payments should be refunded, unless the member agrees to have payments credited and used for future gym membership.
New fees that have not been previously agreed with the member should not be charged or processed.
Given many memberships are being paused due to government restrictions preventing gyms from operating, rather than members requesting a pause, the ACCC expects that gyms will not charge any membership 'freeze' or 'holding fees'.
Do I need to extend the expiry of a gift card because my business is/was temporarily closed due to COVID-19?
reimbursing the amount remaining on the gift card or voucher that could not be used during the period
extending the expiry period of the gift card or voucher to give it an expiration date which is long enough to allow the customer to use the credit note or voucher
Supply and pricing issues
Customers have ordered goods and due to supply issues, I am no longer able to supply them. Do I have to provide a refund?
In most cases you will be required to provide a full refund.
You can retain payments for goods or services already provided.
If it is your supplier's fault that you can't supply the goods, you may be entitled to reimbursement under your contract with that supplier.
I need to order stock for later this year, can I cancel it if I no longer need it?
Businesses will need to honour the terms and conditions of a contract, including change and cancellation policies.
There is a risk that if you order stock during the COVID-19 pandemic and later decide you don't need it, suppliers will be less willing to allow you to cancel the order.
If you already have an agreement in place, it is always open to you and the supplier to agree on new supply terms.
I provide a subscription service to my clients that I've had to stop. Can I still continue to charge subscription fees?
If your members make regular or recurring payments for a service that can no longer be delivered, then no further payments should be processed without the member's consent.
The Australian Consumer Law prohibits businesses from taking payments for services when there are reasonable grounds to believe the services won't be supplied.
This applies whether or not the contract allows payments to be suspended.
You can continue to take payments if you are still providing services to your members, for example online classes, with their agreement.
If payments have been deducted while there has been no supply of services then payments should be refunded, unless the member agrees to have payments credited against future services.
New fees that have not been previously agreed with the member should not be charged or processed.
Where memberships are being paused due to government restrictions preventing you from supplying the service, rather than members requesting a pause, the ACCC expects that you will not charge any membership 'freeze' or 'holding fees'.
Can myself or my supplier increase prices for certain goods that are in high demand due to COVID-19?
Generally, suppliers can set their own prices, based on supply and demand.
In some limited circumstances excessive pricing may be unconscionable, for example where the product is critical to the health or safety of vulnerable consumers. Engaging in unconscionable conduct is a breach of the Australian Consumer Law.
Further, if a business makes misleading claims about the reason for price increases, it will be breaching the Australian Consumer Law.
Given the exceptional circumstances, the ACCC encourages all businesses to treat each other fairly.
Product returns or exchanges
My customer wants to return or exchange a product. Can I refuse due to health and safety concerns about COVID-19?
The ACCC understands that many businesses have concerns about the health of their staff due to COVID-19. They encourage businesses to stay up-to-date with any national or state government public health restrictions that may impact business operations, including facilitating returns and refunds.
However consumer guarantee rights under the Australian Consumer Law continue to apply during this time. If your product fails to meet a consumer guarantee, your customer is entitled to a remedy under the Australian Consumer Law.
If the product is faulty, you must provide your customer with a repair, replacement or refund. The remedy you must provide will depend on whether there is a major or minor problem with the product.
You should contact the customer to discuss the options available to return the faulty product, and to obtain a repair, replacement or refund. You may agree on measures to protect against health concerns such as facilitating contactless return, repair or replacement of the product via post.
Alternatively, if these measures are not sufficient to address your health concerns associated with the return of a faulty product, you may wish to provide the customer with a replacement item or refund without requiring the customer to return the product, and leaving the customer to dispose of the faulty product as they wish.
Refer to our repair, replace, refund page for more information about who is responsible for the costs of returning a product.
If the customer wants to return a product because they have simply changed their mind (e.g. they no longer want the product), rather than because the product is faulty, they are not entitled to a refund unless your business offers a returns policy for change of mind reasons.
A business can place conditions on the return of items under a change of mind returns policy. This includes restrictions due to COVID-19. Regardless of the reason for the conditions, the returns policy must be stated upfront and clearly.
Businesses are encouraged to be proactive in providing customers with clear information about the operation of their returns policy during COVID-19.
The relevant terms and conditions are those in effect at the time the customer purchased the product, i.e. you cannot retrospectively change these terms.
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Written by Guest Contributor on The Prepper Journal.
Editors Note: An article from Demi Rose to The Prepper Journal. As always, if you have information for Preppers that you would like to share and be entered into the Prepper Writing Contest with a chance to win one of three Amazon Gift Cards with the top prize being a $300 card to purchase your own prepping supplies!
Editor: This post may leave you with more questions than answers but that isn’t always a bad thing. When we are forced by circumstances to live off the grid sometimes we need to make some pretty edgy decisions in our preparedness. One recurring theme on The Prepper Journal has been stockpiling meds, with prescriptions meds being a sore subject due to the influence of our pseudo-socialized medical system now in the throws of either its death or its immortality. No matter the end game on that insurance companies and doctors, rightfully so, do not generally support prescriptions of more than 30-days duration. So now people are looking at alternatives and one that is getting a lot of attention is antibiotics for fish as a possible substitute since they can be close to those used in humans and they are NOT regulated, they can be bought on Amazon or at pet stores over the counter.
Some doctors will prescribe antibiotics for survival storage, but not very many as their abuse can lead to their ineffectiveness, your immune system can work against you. So is has been rumored that many preppers explore fish antibiotics as an alternative. They’re commonly sold in human doses and available without a prescription.
Fish antibiotics such as Fish Mox Forte are used to treat bacterial infections in fish. The antibiotics that are used to treat fish are the same or similar as the antibiotics that are provided for human use from antibiotic manufacturing companies, depending on type of antibiotic and form. Some consider their use a very bad idea. As a Prepper you should know the facts and make an informed decision.
Everything you’ve wanted to know about fish antibiotics for survival
In the event that there has been a bug out situation and someone needs emergency attention and medical help seems to be far away or nowhere to be found, then, is the next best thing to lay your hands on a bottle of fish antibiotics? Your guess will be as good as mine – do you administer them to enhance someones chance of survival from a wound or injury in the hope of giving them added time while you seek professional medical help? Will such a thing as professional medical help really exist in a true TEOTWAWKI situation?
The real question remains “are fish antibiotics reliable for human survival?” Below is an all-encompassing guide to everything you would want to know about fish antibiotics in the hope of helping you make an intelligent decision.
Many believe that fish antibiotics are a handy alternative for human antibiotics and as such are good “make up” components for your survival kit. So when I grab my crankbait fishing rod for my weekend angling, armed with my bug-out bag stocked up with fish antibiotics I am confident of a wonderful weekend with no worries. Most prepper blogs advice that one can stock up on these pills as they have an all-round semblance to the normally prescribed medicine in hospitals.
What are fish antibiotics?
Thomas labs explains that fish antibiotics are used to treat bacterial infections in fish. Most fish antibiotics we have (either in capsule or tablet form) possesses similar USP grades to those produced by pharmaceutical companies for human use; that means that antibiotics used for fish treatment are similar to those used for human bacterial treatment, not necessarily that we suffer the same infection but the active ingredient in fish antibiotics are almost the same in milligram with human antibiotics. However its use for human treatment is subject to confirmation by a certified medical personnel as this justifies the negation of the label ‘fish use only‘.
Fish antibiotics? Why human use?
As I said earlier, its human use does not negate the manufacturers caution on the pack which clearly states, “not for human use” and that only qualified medical personnel could mandate its use and answer the above authoritatively. But for the sake of the guide, a slight comparison to ascertain its similarity with those prescribed by the doctor for humans won’t hurt. What are the components of these fish antibiotics that are present also in human antibiotics, keeping in mind that animal doses might vary from human doses, so at least while comparing make sure you get the dosage correct.
Fish antibiotics: Active ingredient:
Fish Amp forte. Ampicillin 500mg
fish mox forte. Amoxicillin 500mg
Fish pen forte. Penicillin 500mg
Fish flox forte. Ciprofloxacin 500mg
fin flex forte. Cephalexin 500mg
These ingredients not only appear in human antibiotics, but most times have the exact same dosage. This strengthens the claim that fish antibiotics could be a worthy stand in, in case of an emergency. Nonetheless we should be careful that there is just one of these active ingredients and that it supports human survival to avoid other drug allergies, and adverse reactions.
Having known these, are there other things worth knowing?
For the fact that the topic in question is about a drug, one should be aptly informed before embarking on its use to avoid its abuse. As mentioned earlier drugs are composed of various ingredients which have different effects, so I think you will need to know if the fish antibiotics you are getting has just this one ingredient that is similar to the humans own or are there additives and fillers which might cause allergies as a result of a different effect? My advice would be stay with a drug that has just that one similar active ingredient.
Right dosage
Dosages might be similar, but it is worth checking with a qualified Medical professional to be sure. If you must take or give fish antibiotics, make sure the dosage is right according to accepted medical guidelines. This can not be overstated.
Allergies
This is where the “Danger Alarms” may become deafening. Look out for allergies – if at all possible ensure your patient is not allergic to any of the components listed on the drug pack label or user manual. I say this as ones needs a conscious and coherent victim to assure you of their allergies. The circumstances of a misdiagnoses can be severe.
Storage is essential
Like all medications these drugs are to be stored in a cool environment, under the appropriate temperature and also check out for the expiration date and make sure you exhaust or replace as and when due.
Pricing fluctuations and availability
Price fluctuations and availability in the market or in stores are some of the challenges that one could encounter when going for antibiotics. These challenges are caused by demand for these drugs; you can imagine when humans start requesting fish antibiotics, there would definitely be an increased demand which has a direct effect on the price. Another case maybe that the pharmaceutical company may consider it pertinent to withdraw a particular brand of antibiotic from the market completely and replace it with a better and more effective one. Often times antibiotic removal is related to profits of the pharmaceutical manufacturers no matter the viability of the medication. For example, if an antibiotic is not selling well in the market there is a high probability that its production will be reduced or stopped entirely.
Where are my reliable and available sources?
Aside from the fluctuation in the availability of these drugs, again probably caused by their increasing demand and to a lesser extent, manufacturers profit issues as earlier discussed above, I don’t have a recommended source. Although Amazon would could guarantee an easy purchase of fish medications.
In conclusion, fish antibiotics in recent times have filled in seamlessly for its human equivalent. Consequently, it appears to be an essential for your survival kit, although like I mentioned in the guide, requires confirmation from some qualified medical personnel which of course is important to avoid drug abuse related issues. So, I will advise that you get one before buying a can of fish antibiotics.
About the Author
Demi is the Founder of outdoorsdoc.com. She loves to share everything about enjoying and surviving the outdoors. If you love the outdoors, you will find interesting and informational articles on her blog
Source Articles for her post:
http://www.happypreppers.com/fishantibiotics.html
https://www.antibioticsforsurvival.com/
http://thesurvivaldoctor.com/2015/07/21/fish-antibiotics-for-humans/
https://www.thebugoutbagguide.com/fish-antibiotics-for-humans/
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The post Fish Antibiotics as a Prepper Alternative? appeared first on The Prepper Journal.
from The Prepper Journal Don't forget to visit the store and pick up some gear at The COR Outfitters. How prepared are you for emergencies? #SurvivalFirestarter #SurvivalBugOutBackpack #PrepperSurvivalPack #SHTFGear #SHTFBag
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Top 10 Most Notable Types of Holiday Shoppers
Written by Zach Feintuch, Yahoo Mail copywriter
As you may know, Yahoo Mail is rolling out its newest feature for the holidays, Coupons, on both mobile and web. And with Black Friday / Cyber Monday nearly here, we’ve been thinking about all the different kinds of shoppers out there.
Here are the top 10 most notable shopping characters we see during the holidays… in no particular order.
Which one are you?
Hunter (the Deal-Sniper) Hunter is … extremely careful with his money. Okay, fine, he’s cheap! So he’s constantly on the lookout for the best deals and may even partake in couponing from time to time. Or every weekend. (Shhh, don’t tell anyone!) His kitchen drawer is filled with coupons from Bed Bath & Beyond, and Black Friday feels like his birthday. In fact, if you ever see Hunter receive a new coupon in his inbox, you’ll be witness to the single happiest man alive. And that’s why he’s lovin’ this new feature from Yahoo Mail. Because it notifies him when a deal is about to expire. Basically, deal hunting has never been easier!
Sensible Sally (the Cyber Shopper) Crowds are the worst. Physical stores are a thing of the past. And besides, why go out when you can sit, click and tap? And now, she doesn’t even have to search for coupons because Yahoo Mail keeps them in one place for her. Every coupon she’s ever clipped, right in her inbox. Talk about a relaxing lifestyle, Sensible Sally is doin’ it right!
Robin (the Early-Bird Shopper) Meet Robin. Her favorite month of the year? November. Her favorite holiday? All of ’em. A whole lot of love to give, and giving presents is her favorite way to do it. That’s why she plans holiday shopping in advance, sees all her coupons in one place within her inbox, and puts ’em to good use in order to get shopping done super early. With all her presents purchased and wrapped before the holidays roll around, Robin avoids the stress of crowded malls. Which means less time being anxious, and more time spreading holiday cheer!
Last-Minute Dan (the Last-Minute Shopper) Ahh, Dan. What a guy. His heart’s in the right place but can never seem to prioritize his to-do’s, especially around the holidays. Which means a bunch of “Oh, shoot!” moments and even more last-minute shopping. What’s left for him come holiday time? Whatever’s convenient. That’s where Yahoo Mail comes in to save the day; by saving him time. Thankfully for Dan, his inbox kept all his coupons in an easy-to-reach Smart View. Whewww!!
Gaby Gift Cards (the Gift Card / Money Giver) Gaby, Gaby, Gaby. She lives a hectic lifestyle. And with her full schedule, there’s barely any time to spend thinking of “the right gift,” let alone time to go shopping. That’s why she either buys gift cards in bulk nearly a year in advance (thanks to special coupons she receives via email), or gives money to everyone on her list. After all, that’s the easy thing to do. And her life just became easier thanks to Yahoo Mail.
DIY Denise (the Do It Yourself Gifter) Denise puts her all into each and every gift she gives. And that means spending the time to make them herself. Her loved ones will never call her out on being “budget conscious” (or broke), which is perfect for this starving artist, so long as she gets to the stores early enough to grab the necessary arts & crafts supplies needed for her creations. Thank goodness for coupons, otherwise, the art supplies would really add up!
Mimi (the Selfish Shopper) It’s alllllll about Mimi. She loves to shop- for herself. No need to stress about the holidays because she makes sure the things she wants are bought in advance. Will she take advantage of Black Friday and Cyber Monday? Sure! …’cause when Mimi sees the coupons saved together in her inbox, she gets uber excited about how many more gifts she can buy for herself thanks to the savings she piles up.
Organized Adam (the Careful, Thoughtful Shopper) Adam is thoughtful. He’s considerate. He’s… organized. And that means taking the time to gather his knowledge about who in his life will receive which kinds of gifts, and what sort of coupons he can use for each person. But it also means he’s developed a serious appreciation for the organization his Yahoo Mail provides. Because for Adam, it’s process, process, process. And he has it down to an exact science: Let Yahoo Mail do all the legwork, and take all the credit … It’s okay, he deserves it!
Johnny Moneybags aka Mr. Moneybags (the “Money-Is-No-Object” Shopper)
Johnny Moneybags has all the dinero in the world. He gets what he wants, whenever he wants it. But that doesn’t mean he’s the one doing all the shopping. In fact, his executive assistant, Penny, is the brains and the brawn behind his holiday shopping operation. And Penny needs to use coupons in order to save money and look savvy in Johnny’s eyes. Because the less money he has to spend, the more money she can pocket for herself as a “holiday bonus” so to say. Yup, she’s thrilled to have Coupons available to her.
Manny the Maniac (the Scattered Shopper) Manny is crazy. Crazy awesome! He loves to be around people and experience shopping in-person. He’ll wander through stores for hours on end, waiting for the perfect gifts to suddenly appear right before his very eyes. For Manny, shopping is a visceral experience. And luckily for his loved ones, they get some pretty amazing gifts out of it! But this unpredictable behavior has never yielded any holiday savings, as couponing never found its way into his lifestyle... Until now. Thank you, Yahoo Mail Coupons, for making it all too easy for Manny to ignore!
Different types of shoppers are all seeing the benefits of Yahoo Mail’s Coupons feature. And so can you… Try out the new feature on the Mail app today.
Happy Shopping, everyone!
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How to check Amex gift cards balance?
Amex Gift Cards gives an endless amount of choices. It is a flexible gifting decision for loved ones which will be utilized to purchase almost anything at numerous locations. Amex gift cards can be customized and offered in different forms (depending on occasion). Amex Gift Cards can be bought in a couple of ways: online or from nearby retailers, financial institutions or from American Express. Electronic and conventional variants are available for whatever your gifting person likes.
Nowadays, learning to give present endowments has been hard due to the substantial work on every day. But there is a short cut where you can master the art of gifting through using technology, and that is gift cards. Yes, you heard it right. This is one such kind. It looks tiny and more efficient and mostly likable. Amex Gift Cards can be given to anyone without any doubt about rejection. It is something that reminds your love towards them and mostly, it gives the freedom to choose their own gifts from the respective stores.
Buying these gift cards does not seem to be a difficult task, it sounds great for the regular gift givers. Making a gift card and buying them is easier than you think. Everybody wants to hear he/she has given me the perfect gift" from the present receiver, aren't you one of them? Yes, we always want to be unique and make the people excited. It can make it happen. Old presents are no longer fashionable and trendy. It's a piece of cake to check out and buy them. They can purchase online without leaving your sofa from home. Amex is known for its affordability and livability (enjoyable).
How to check Amex Gift Cards Balance
Before purchasing to avoid delay check amex gift cards balance when you are trying to finish a transaction. Checking the amex gift cards balance is simple and takes just only a few minutes to finish. Card holders can make it from anywhere, just need to have Internet access.
Step 1: Turn your amex gift cards and find the toll-free customer service number.
Step 2: Dial the number listed and follow the guidelines.
Step 3: You will get your amex gift cards balance.
OR
Step 1: Open the website www.discovergiftcards.com
Step 2: Click on the Check Balance and enter your card number as well as the security number on the back of the card. Click on the“Sign In” button.
Step 3: You will get your amex gift cards balance.
To make your purchases with an Amex gift card, the process will be the same as if you were to use your personal debit card. You’d enter the number of the gift card, the date of expiration of the card, and the 4-digit security code in your name, billing and shipping addresses.
The Gift Card is available for purchase online on American Express / Gift and is delivered to the recipient’s email address within minutes of receiving the order. American Express Gift Cards can be redeemed online or by phone at American retailers and restaurants accepting American Express cards.
Are American Express gift cards good?
Yes, of course. American Express gift cards can be used virtually anywhere American Express is accepted in the US.
Discover Gift Cards, we are devoted to providing a quality service that takes Amex Gift Cards giving, takes the stress out of fundraising, and replaces it with the ingenuity of changing the way we approach an age where everything seems to be ever shifting.
Visit us: https://www.discovergiftcards.com/amex-gift-cards/
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“World of Warcraft”, Blizzard and trading off “fun”
UPDATE (12/2/2017): It was brought to my attention that, ironically, right after I posted this, Blizzard actually restructured their leveling experience for WoW. It’s currently on the PTR, it hasn’t been implemented in the Live servers, but based on player feedback, their new patch addresses a great deal of my problems with WoW. Watch THIS VIDEO by BellularGaming for more information and keep that in mind as you read the following piece.
I need someone to explain to me what the hell Blizzard has been doing lately.
I’m a simple man; I play games to have fun, enjoy myself and experience what they have to offer. I decided, very recently, to restart my World of Warcraft (WoW) subscription. I don’t do this often with any MMORPG; I get bored easily, but in games like City of Heroes or Final Fantasy XIV, I typically have a good amount of fun for about half a month before I cancel again. With World of Warcraft, not so much .
Quick history for context; I bought WoW around 2007; it was full price then, which means I paid 60 Euros for it, including a two-month game time card at 27 Euros. I installed the game and played for literally two hours before forgetting it ever existed and returning to City of Heroes. That’s right; 87 Euros for two hours of play.
I didn’t bother with the game much afterwards; I mostly forgot I even had it, with the exception of a couple of cases that Blizzard gifted me a week of free play to promote the game after they released Cataclysm. I eagerly used that free time, but the game failed to convince me it was worth the sub.
Two summers ago, after Legion came out, I bought another card; I was hoping for a different result and I did my best to stick with the game for as long as I could tolerate it; I got my character, a Human Paladin, to Level 53 and gave up again, before the first month even ended.
A few weeks back, I got a WoW itch I wanted to scratch; the game always enticed me with its visual style and seemingly expansive lore, as well as its theoretically traditional and simplistic gameplay. Not one to learn from past mistakes in arguably any area of my life, I bought another month less than a week before writing this.
As I logged in to my Paladin avatar, I found myself stranded in a volcanic area, with about 10 quests on the tracker, a bunch of dwarves with exclamation marks over their heads around me and two hotbars of skills I had to re-familiarize myself with. I was overwhelmed.
It’s not uncommon to be a little lost when returning to a RPG after a long time (let alone over a year). Most of the problem, however, usually comes in the form of not remember what the story is about and WoW isn’t big on “story”. No; the problem was that I felt no connection to my character. I couldn’t remember a single damned minute I’d spent with him, outside of a few hours of frustration during some earlier forced stealth bits. In contrast, I can still recount in excruciating detail hours of experiences I had in City of Heroes over a decade ago. I can still sing the praises of all the super-heroes I had created and I still miss every single one of them.
Look at this quest tracker. LOOK AT IT.
So, off I went, deleted the character in frustration and made a new one; a Night Elf Hunter this time, my WoW standard archetype from way back in 2007, as well as the free post-Cataclysm time.
I’m recounting all of this, because I decided to use my frustration with my Paladin as a cautionary tale; I wouldn’t let it happen again. I wouldn’t let myself get absorbed in so much repetition that I don’t remember anything about the game once the subscription expires. I would pace myself and drink in the wonderful world and lore and missions of World of Warcraft.
It didn’t work.
I tried, really; instead of picking up every quest in a hub, I picked them up one-by-one. I wanted to focus on each quest separately, to remember why I was doing them, what the story of each of them was, why I was in that area I was in. I wanted to remember the path from and to the quest, to feel like I was actually an adventurer, immersed in the world around me, with an important task at hand. I didn’t even buy my mount until Level 26; I was going back and forth, on foot, me and my pet saving the world.
It wasn’t too bad at first; the starting area has just the right amount of quests and none send you too far, making the game accessible and the areas memorable. The longest stretch of road is between Dolanaar and Darnassus and not many quests force you to go back and forth on foot.
The combat was the first thing that ruined it; it was too easy. I play some “vanilla”, WoW 1.12, on the side (thank you Elysium) and I can draw the comparisons. Vanilla combat is absolutely shit; too slow, too difficult, the game is unnecessarily punishing, considering the combat system is kind of simplistic shit that requires little skill or tactics. Current, official WoW has jumped entirely on the other side of the spectrum. I started realizing why I didn’t remember anything about my Paladin; there were no encounters worth remembering. From cannon fodder in the forests to the quest-significant enemies, they all dropped in two, maybe three hits. That bloody pet didn’t help; from some point on, all I had to do was aggro an enemy and my pet did the work for me. I was tearing through entire enemy camps in under a minute. I didn’t even have the chance to see what it was I was fighting, all the enemy NPCs just started blending in together.
This populated camp would’ve been a nightmare of careful planning and pulling in any other MMO.
Again, I tried. I was playing the Survivalist specialization and I tried to make things difficult for me. I refused to use a mishmash of armor with parts that didn’t fit; I purposefully downgraded my gear to look good. I even downgraded my weapon, from a two-handed axe to a quarterstaff that capped its DPS output to the base output of my previous weapon.
No changes. Enemies still dropped like flies.
Eventually, I just got rid of the pet and switched to Marksman. It didn’t get much better; the combat was still easy, but at least each encounter lasted 3-5 seconds, which was 3-5 seconds more than before. So... progress?
I was very annoyed the game forced me to do this. Whenever I play a RPG, I don’t just do so for the mechanics and I certainly don’t do MMORPGs for the social aspect; I play these games for the lore and the world, to go about doing quests and to role-play. I really enjoyed my hunter, the Night Elf Don’thalar, roaming the woods with his pet bear Bols’htaran. I liked the story in my head, that I had rescued the bear when he was a cub and he was corrupted (I tamed it on Darkshore) and then took him to the druids to cure him through one of the quests I did for them. Afterwards we started hunting in the woods; I, my trusty axe and lil’ Bolsh, my only friend in the whole of Azeroth.
So, I sacrificed my RPing for some gameplay value. It still wasn’t enough.
At the time of writing this, my hunter is Level 31. I’ve left him next to a giant treant near a Burning Legion killing ground. I feel disappointed and exhausted.
Mind you, I started playing this character four days ago.
Four. Days. Ago.
I didn’t even play that much each day, the progression system is just on steroids. For all my efforts, right now I still can’t tell you what game I’ve been playing, what I have experienced and what I have accomplished. I couldn’t tell you which areas I’ve visited and why. Four days. One character. Pacing myself. Acting out all the quest descriptions. Trying to role-play. And I still can’t recall a damned thing about the game.
This is bad. This is really bad. This is a fundamental issue with the game right now and, even though I’m far from an expert on WoW, I’m not the newbie I was in 2007. I’ve since become extremely familiar with the MMORPG genre, especially when it comes to the leveling experiences (which is what interests me in these games the most). WoW is currently work for me. It’s a thing I’m having no fun with and I’m literally paying Blizzard money for something I don’t enjoy.
Make a character. Walk to a hub. Pick up a quest. Finish quest. Turn it in. Five more quests pop up. Go to a different area for one of the five, another seven pop up.
This isn’t a game, this is what being at the back-end of the world’s biggest chili aficionado feels like. This is an avalanche of menial, insignificant bullshit that weigh on the player like insane.
Outside of capping the character for raids and dungeons, the game gives literally no encouragement to go through its dull, grueling leveling process. Once upon a time you’d do quests at least for gear, if not for the XP. They can’t even pace that properly, however; I literally had (in more than one occasions) two NPCs side-by-side give me the same exact piece of armor, with only minor stat differences. I was spending hours doing insignificant quests for gear that has practically no impact in the game.
What kind of design is this?!
Most modern MMORPGs offer a basic storyline to hook the player in. WoW is older than it wants to look and doesn’t offer that. That’s not a problem in itself; even the very first single-player RPGs didn’t feature storylines. What they did feature was exploration-oriented gameplay. You can explore in WoW; sooner or later, the onslaught of meaningless quests will run out, you’ll open your map, see what the next area close to your character level is, jump on your mount and go there to find the next collection of exclamation marks. But that’s not exploring; that’s just moving elsewhere. There is nothing interesting to see in the world, it’s all enemy mobs roaming massive, but otherwise desolate plains dressed in slightly different trousers.
The world feels dead. This is always going to be a problem with fantasy MMORPGs; one of the reasons I always loved City of Heroes was that you could see friendly NPCs, citizens, doing their thing. They weren’t exactly complicated, but they helped make the world feel alive. Fantasy MMORPGs have to rely on other players to inject the sense of life into their worlds. WoW is clearly still very populated, but it feels like all the players exist in their own bubble. Yes, we see each other; we pass each other on the road to objectives, in the big cities and near missions. But we don’t interact. We have no reason to. Because of the current design, instead of making the world feel alive, the player population makes the world feel manufactured. These aren’t other adventurers of Azeroth; they’re players, like you, detached from the framework of the adventurer in a fantasy world.
When I took a day off to try out vanilla WoW, we were all interacting. I’m not saying it was a better game; I’m the first to recognize the value of being able to solo without the game forcing team-ups for certain quests. I hate that shit. But I got more of a sense of community in the unofficial vanilla server than I ever do in official WoW.
WoW is still installed in my computer because I need to do some screen captures for this bit. Once that’s done, it’s out for good. I renewed my sub less than a week ago and haven’t touched it in two days. From where I stand, the World of Warcraft experience is a vacuous one for anyone not interested in endgame content.
That’s what the crux of the argument really is and where I have to wonder what exactly it is that Blizzard is trying to do with their games. The leveling process has clearly been boosted to reach cap as fast as possible, so players can access endgame content. They’re not the only ones doing this; Star Wars: The Old Republic (SWTOR) recently streamlined the leveling experience as well for the same reason. SWTOR, however, comes with a lot less trekking and a lot more story to string you along. WoW remains a gelatinous mass of exhausting, forgettable leveling content that now you don’t even get to enjoy.
I understand; arguably the majority of players want to cap their characters and enjoy the endgame content. Most expansions add almost exclusively endgame content, which is why they usually come with character boost tokens. Cataclysm was the only one that changed leveling dramatically. But when you want to focus exclusively on endgame, you lower that cap; DC Universe Online is very endgame-oriented and its cap is at a mere 30 and you can burn through leveling in two days, at most. WoW, on the other hand, keeps raising the cap with each new expansion. It was 60. Then it was 80. Then 90. With Legion, it’s 110. This is done to lock away people who don’t own the expansions out of the new areas, but at the same time, all it does is add to that gelatinous mass and make the leveling experience a lot more exhausting.
The core of WoW is no longer “fun”. It’s not the combat, it’s not the lore, there is no story; it’s all about more endgame content, more raids, more dungeons, more shit to do after you’ve spent two months of gaining nothing from the experience outside of finally hitting the cap. Then hitting it again. And again. The core mechanics are garbage and always have been, any sense of socialization comes into play after capping and anything story or lore-heavy is during endgame as well. Blizzard most certainly doesn’t force you to, but from some point on, that character booster token seems like the only viable option to enjoy the game; because the leveling just isn’t enjoyable. Even then, unless you grind for better gear or own the latest expansion, you’ll still find it hard to join a dungeon group or a raid if you’re not part of a Guild.
WoW isn’t the only Blizzard game with misguided intentions; Overwatch, as popular as it is, doesn’t seem to focus on “fun” anymore either. Blizzard made a very attractive, well-marketed casual hero shooter. When all is said and done, it’s an average shooter with a lot of irrelevant hooks. Its reliance on team balance can make it infuriating more often than not. If, originally, Overwatch was designed to be an accessible shooter with interesting heroes to choose from, now there are only two things at the core of its design: loot-boxes and competitive play.
The loot boxes are already annoying. They’re only cosmetics and one can ignore them, but they are a hook that plays to the game’s detriment in the long term. My experience was that I enjoyed the game at first and didn’t pay much attention to the loot boxes. Come the first Year of the Rooster event, I finally found a D.Va (my main) skin I liked. I never cared for the other alternatives to the base skin. So, I decided I’d grind for it.
During the time that event ran for, I leveled my account for about 100 levels; that is a lot of playtime invested. I tolerated the broken arcade mode games (particularly Mystery Heroes), for the three extra loot boxes. No drop; I got a million other stuff, some even good, but nothing I really cared for. I eventually did the unthinkable and bought 10 extra loot boxes.
Still no drop! The only thing I managed to do with the boxes I paid for was finally scrounge up the 3000 credits needed to buy the damned thing on my own.
The legs may or may not had something to do with wanting this skin.
Needless to say, I was exhausted by the end. I’d grown to resent the game. I’d seen through the cracks in its design, how broken it is and how worse it gets with each update. The paint had started chipping away and I could compare it to other online shooters, like Red Orchestra 2, Natural Selection 2 and Insurgency; different types of shooter, but all of them infinitely more complex, tense and mechanically engaging.
It’s my fault I allowed myself to be hooked like a gambling addict, but the point is that the game stopped being about having fun. The core mechanics were shaky to begin with and at its core the game is made to provide more bad experiences than good, unless you have your own team of people you know and can communicate with on the fly.
Then, there is the Competitive angle. Blizzard made, by design, a very casual shooter to appeal to lowest common denominator, with its simplistic mechanics and waifus. Then, they suddenly decided they wanted in on that Competitive scene, because Starcraft had proven them there’s a lot of a money there. In doing so, they started re-balancing and changing and overall slaughtering their own game design with one questionable decision after the other. Re-balancing wasn’t done on the basis of fun gameplay, but instead on the basis of pick-rate. The whole thing was (and is) a sordid affair.
It doesn’t stop there, though. Both in terms of WoW and Overwatch, one could argue that the problem is that these games aren’t for me. I’d disagree, I think the design problems of these games are fairly easy to recognize, but one could debate I’m reading them wrong. The best example of how completely off they are with their modern design is Heroes of the Storm (HOTS).
I don’t like MOBAs and I don’t really play MOBAs. I’m slightly familiar with the genre and even I can attest to the fact that HOTS is a bad MOBA compared to DOTA, League of Legends, Paragon etc. I wouldn’t ever go back to that game and I don’t think anybody, not already into it, would.
Blizzard aren’t idiots; they know HOTS isn’t very popular. So, they did this promotion event, where they forced you to play HOTS to unlock Genji’s Oni skin and D.Va’s police outfit in Overwatch.
I played HOTS, during that event, for four hours. Consecutive. I did all the matches to get everything on offer. I was exhausted. I wasn’t the only one, either. At some point, some six games in, all of us, unrelated people, strangers to one-another, started complaining in chat about how tired we were and that we really didn’t want to move our characters and play. Couldn’t we just sit there, shit-posting and let the other guys pretend they’re playing, so the round can be done as fast as possible?
We weren’t trying to be assholes and ruin the game. We were legitimately just exhausted. Our brains had started melting from the repetition. We couldn’t even pretend we were having fun.
This entire event was Blizzard’s brilliant idea to promote HOTS to people who played Overwatch, but not HOTS. I don’t know the retention numbers after that event ended; what I do know is that the moment all the D.Va shit unlocked, that game was out of my hard drive immediately. Again, I wasn’t the only one to do this.
In the process, not only did Blizzard fail to promote HOTS; not only did they turn off newcomers to HOTS, because grind-based gaming is a necessarily evil and not a good motivator; they also alienated their established player-base, who just wanted to play the fucking game and ended up matched with us assholes who just wanted the goodies; goodies for a different fucking game, no less.
Between these three games, it’s pretty obvious to me that whatever Blizzard’s current focus is, it’s not to provide an entertaining experience for the player. Making money is good; I’m not going to be the person to say that Blizzard shouldn’t care for profit, but it infuriates me that their system works. I don’t even mean it works on others; the Blizzard spell mind-controls me just as well. I’m still itching to go back to WoW, after writing this long diatribe on why I hate it. Part of it is the repetition; I can waste entire hours, doing the exact same thing for no reward. It’s like pulling the level in a slot machine, only in this case I know for a fact there will be no reward. If not for that, I feel like going back simply to justify the money I paid for the subscription. It’s almost Machiavellian; I gain absolutely nothing from the experience, but if I don’t sink my time into this dull and dreary experience, I’ll feel like I’m not getting my investment back.
So yes, their system currently works. They’re doing well. The problem is, I’m not sure how long this will last. A really good way to not only sell copies, but also retain a player base is to offer a game that’s actually enjoyable. Though I’m certain there are newcomers to WoW, I’m pretty confident in assuming the majority of players are veterans. They got into the game when it was still fun, when the market was much more bare and there was far less competition. They stick around still, because leveling your character to the cap is an investment you don’t want to sacrifice. Familiarity is a powerful motivator, but it only goes so far; especially when the audience is constantly growing.
As someone who has never capped a character in a MMORPG, all I feel I’ve been offered by Blizzard is extra chores to do. Leveling in WoW feels like an obligation, like work. Grinding for loot boxes in Overwatch feels like work. That shit I put myself through in HOTS was absolutely work. Their games started out well enough, but they evolved into these unpaid internships that ultimately offer nothing outside of killing time. Worse yet, this is the scummiest kind of unpaid work, the kind you have to pay to be granted the honor to partake in.
When you reach the point that have to schedule your game sessions as a thing you “must do” each day to make sure you get that gear, or that level, or that loot box, instead of going “I can’t wait to play this game again”, there’s something wrong. I have a soft spot for Blizzard; I think all of us do. I want to like a lot of their stuff and they have put out good games in the past; some of them being the very games I now find so infuriating. But considering I just paid 15 bucks for an experience that’s so depressing I had to switch to Cryptic’s shitty Neverwinter game to sate my MMORPG hunger (UPDATE: It didn’t work), I’m not really very willing to give them any more chances. They need to restructure their focus. Money’s good, popularity is good too; but you’re making games, something intended to make people feel good and enjoy themselves. Do try to remember this, once in a while.
#WoW#World of Warcraft#Overwatch#Heroes of the Storm#MMORPG#Roleplaying Games#Gaming#Opinion#PC Games#Loot Boxes#Entertainment
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Got in a fender Bender, my fault, no police report, did not exchange insurance info but got license info. now saying he has neck injury.?
Got in a fender Bender, my fault, no police report, did not exchange insurance info but got license info. now saying he has neck injury.?
He did not get my insurance info, we exchanged numbers. He got pictures of my license and license plate. very minor damage but is trying to charge more and is claiming neck injuries.
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Something's Missing From the Victoria's Secret Fashion Show, and You Already Know What It Is
Image Source: Getty Images/Fred Dufour
The last time I walked into Victoria's Secret and treated myself to red silk coordinates for Valentine's Day, it was because I wanted to feel sexy. That's what I love about the brand: it encourages women to embrace their inner sexiness, and I think that's important. Whether it's buying a new push-up bra or investing in one of the signature VS body scents, a woman should make herself feel desirable by shopping for underthings, if that's what she wants. At Victoria's Secret, there are so many high-quality pieces that cater to a wide range of tastes. Every time I walk into the store, my eyes widen at some sort of luxurious looking lingerie set (I really love shopping for lingerie).
Maybe I made the wrong selection on this aforementioned Valentine's Day. The push-up bra, strappy panties, and satin sash that was somehow supposed to wrap through a loop somewhere, then crisscross around my midriff and tuck into the waist belt (What?) ended up being a $150 look I simply couldn't pull off. I definitely didn't look like Lily Aldridge in this thing, but according to the images on the website, it should've been at least possible to wear correctly. Even though I bought the right cup size and I definitely know my waist measurements, the ensemble just wasn't right for me. It just didn't fit - my confidence level, more than anything.
At this point, I have exactly three unused Victoria's Secret gift cards tucked away in my wallet, and there's a good chance they've expired. It's not because I forgot about them - those glittery pink rectangles stand out way more than my office building entry pass and even my Frozen-themed Disney Visa. And it's not because I don't like Victoria's Secret. But the image the brand has projected lately and the lineup of Angels - all of whom have virtually the same figure - feel a little bit discouraging.
That's not to say I don't look forward to the annual VS runway, or that I don't understand the excitement behind finding out who's opening each section of the show. If you follow celebrity relationships and you love the personalities of all the different models, it's always interesting when one of them is best friends with the performer (Remember Karlie Kloss and Taylor Swift's adorable interaction in 2014?) or if, perhaps, the dude singing on stage is the hot new Angel's ex (flashback to Bella Hadid and The Weeknd). With all the glitz and the confetti that falls on the scene, this spectacle is a form of entertainment, and it's damn fun to watch. But it's impossible to ignore how similar the women all look as they strut on by.
The Prototypical Angel
Image Source: Getty Images/Matt Winkelmeyer
I've met a lot of Victoria's Secret models in the flesh, and they really do look exactly like you see in the pictures. They're really that tall; they really have that flawless skin, the hair you want after a visit to the salon but never end up with, and that toned-enough-for-a-six-pack but thin-enough-to-look-capital-S-skinny ab situation. They really don't appear to have any cellulite.
Of course, these women have access to camera-friendly, air-brushed makeup and quality body glitter and cover-up, and I haven't seen them all in a thong, but I've seen a bunch of them wearing little to nothing up close and attended the Victoria's Secret Fashion Shows. I can promise you that my body looks so different from theirs in lingerie, I might as well be another species.
And here's the thing: I'm petite, and while I have athletic legs, I am not particularly curvy. What about the women who are? Do they want anything to do with Victoria's Secret? Do they feel angry at or limited by the photos of the Angels on the retailer's site? Do they roll their eyes at the girls on the runway or feel saddened by the lack of diversity? My guess is that, like me, they do.
Where Are All the Curve Models?
Victoria's Secret is America's largest lingerie company. It's owned by the Les Wexner and family business L Brands, which has a current net worth of $5 billion. It's everywhere - plastered on one of the biggest billboards in Times Square, on your TV screen, and in the pages of the magazines you read.
While the runways at Fashion Week are continuing to become more diverse - at Christian Siriano, Chromat, and Prabal Gurung, to name a select few - there is still no cemented acceptance of difference in the fashion industry, only the possibility of acknowledgment. Many designers make an effort by including just one curve model on the runway. In my opinion, that is absolutely not enough. But at Victoria's Secret, there isn't just one curve model - there are none.
In Victoria's Secret's defense, the brand has made it a point to include women of color and various backgrounds and ethnicities in its casting - both on the runway and in shoots - but they still all seem to fit a certain "look," as far as size is concerned.
Image Source: Getty Images/Angela Weiss
Curve models with large social media platforms have publicly acknowledged, in various ways, that they realize they don't fit the Victoria's Secret mold. It was Ashley Graham who, in 2017, posted a photo of herself on Instagram modeling for Addition Elle, a size-inclusive lingerie brand she works with and designs for, on the exact same day the VS show was being filmed in Shanghai. She wrote, "Got my wings! My #AdditionElle wings! #ThickThighsSaveLives." Curve model Tabria Majors has also re-created Victoria's Secret campaigns in order to "revisit the conversation of average-sized women being represented in mainstream media."
Of course, we can't be positive that Ashley Graham was taking a jab at the brand, but she was certainly comparing another popular lingerie line to the powerhouse that is Victoria's Secret. I've been to an Addition Elle runway show, which includes models of all shapes and sizes, and there's something so comfortable about seeing them debut the new bras and panties. When they walk, their butt cheeks jiggle. A lot of them have gorgeous pear figures, and they're rocking flattering bustiers or camisoles that accentuate and draw attention to body parts of their choice. "Yeah," I thought when I saw them. "That's what I look like in lingerie." And these girls do look just as confident as the likes of Alessandra Ambrosio and Adriana Lima, who are VS vets that strutted their stuff for years.
I'm definitely not the only one in fashion who notices this clear juxtaposition. Director of Vogue Runway Nicole Phelps uploaded a row of diverse runway shots on the day of the 2017 VS show, all of which celebrate diversity in body type, age, and clothing taste (i.e., modest dressing). "In honor of the Victoria's Secret Fashion Show, a reminder, courtesy of Chromat and Becca McCharen-Tran, that the battle for true diversity on the runway is ongoing. #SizeDiversity," she wrote.
Is Time Running Out?
Image Source: Getty Images/KMazur/WireImage // Getty Images/Frank Micelotta // Getty Images/Gregory Pace/FilmMagic
Has Victoria's Secret always been lacking in size diversity? Well, not exactly. Throughout the years, there have been some iconic Angels, such as Naomi Campbell, Heidi Klum, and Tyra Banks, who were more shapely than shockingly thin. But as the years passed and these supermodels hung up their wings - Naomi and Tyra in 2005 and Heidi in 2009 - the media began to embrace an increasingly svelte woman. Victoria's Secret put her on a pedestal by featuring this idealized figure in all its ads and certainly on all its runways. This single-track version of unattainable perfection is what Victoria's Secret continues to publicize today.
That's why sometimes, on days I feel a little more self-conscious than others, walking into a Victoria's Secret can feel daunting. If I do happen to feel sexy, I'll probably march right into the store and see if my gift cards have expired and whether I still have a balance left to use. But it won't be on the same day as the Victoria's Secret runway taping, nor the day the sparkly, mystical extravaganza airs on CBS. Probably not the day after either. That's because, in a way, I feel excluded from that runway - as though that very limited idea of beauty doesn't apply to me. Not one of those girls is 5'1" with athletic thighs and a double A cup. Can you imagine how many other women and girls feel discouraged, too?
A company as big as Victoria's Secret can and should have an answer for the rest of us, and it should start with the spectacle that is the runway show. It didn't happen in LA in 2006, in Miami in 2008, in London in 2014, nor in Paris in 2016. In 2017 it didn't happen in Shanghai, and not in 2018 in New York. The model lineups on those catwalks all looked the same to me. I don't know about my gift cards, but I wonder: what's the expiration date on this same old show where body diversity is never a theme?
Related:
12 Body-Image Quotes From Victoria's Secret Angels That Are Totally Relatable
Something's Missing From the Victoria's Secret Fashion Show, and You Already Know What It Is published first on http://wholesalescarvescity.blogspot.com
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Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
"Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
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Hi, can anyone advise what is the average cost of health insurance to buy for children, and what factors might affect the cost. Thanks.""
Any good/affordable individual health plans for me and unborn baby in Connecticut?
My boyfriend and I are moving to Connecticut in Nov. from Seattle area. His plan can't be renewed until next summer. I got laid off in July and am currently on COBRA plan with my ...show more
What are the upsides/downsides to a LPG/Autogas conversion.?
With auto gas being roughly 60% of the cost of petrol, investigating a conversation is attractive but not if it is just simply an exchange of costs and the whole deal just is a contra entry. Much lower mpg , increased service costs, insurance, more wear and tear are just some of my thoughts. Also how does auto gas effect performance ? Hence what are your experiences (in the UK please), costs, regrets and pleasures concerning the topic.""
Does anyone of a very cheap and affordable health insurance that covers dermatology?
do you?
Farmers Insurance problem when changed from CA to OR?
Hi, I've had insurance in CA for 2 years and moved to Oregon recently. I had my insurance tranferred with an useless Farmers Agent in OR. The thing is I already paid my 6 months premium in CA which is covered me until 06/2009. I paid nearly $450 for until 06/29. I've had quite a few discounts in CA but the jug-head agent in Oregon, not shifted any discounts to Oregon automatically. I got a bill for next 6 months from that agent saying that I have to pay $1000, since I haven't lived in Oregon for long enough. Jeez!!!. It's almost a $600 rise in my insurance that too I haven't had any claims or ticket in my last 5 years. I went to meet him in person but he told that's all he can do it. He didn't look my CA policy/discounts too. Then I told him, I can get $500 insurance anywhere else. But he challenges me if I could get something like that. I haven't approached any other insurers yet. Is it anything like insurance history or something like that maintained nationwide or in Oregon? Does he threaten me based on somre record? Can I get some decent insurance from someother insurers/agents? In CA I've never paid my 6 months permium more than $450. I'm the only driver for my car and the car is 8 years old. I've never claimed from any insurance till date. I neither had any speeding tickets elsewhere. Can I get some insurance for some decent rate If I shop around? My farmers insurance expects to pay the additional premium in a week else my policy with farmers expires. I dont want to meet someother farmers agents. I wanna get out of farmers and go with someone else. Can I get some decent insurance in a week?""
Health insurance question plz help?
My husband lost his job and my and our child health insurance was with him. Can i get health insurance my employee even through its middle of the year will my husband loosing r insurance qualify us qualify event that allow you to enroll
""9 months owning phone with no insurance, but adding insurance now?
could I still get a replacement today after adding my insurance?
If I do not have car insurance...?
and i live with with my grandparents and they have car insurance but i dont, and i have my liscence, can i still drive their car with it not being illegal in the state of Massachusetts? Because i cant afford the insurance and if their car is insured i am told an officer cannot do anything about it, as long as the cars insured im fine, is this true? Thanks!""
How can a 21 year old male get lower insurance on a sports car?
Currently, My Insurance is 98$ a month and I am insured on my Dad's 2012 BMW 328i and as a secondary driver on my 2012 Camaro RS, my lease is up and I am hoping to lease the new Corvette and go on my own insurance plan when I move away for work. However, my quotes so far are really high, like $200 a month high. I was wondering if there was any way that I could bring my insurance rates lower. Thanks! Additional Details- I got a speeding ticket when I was 16 but does not reflect my payments No Wrecks or claims I usually drive over 15k miles a year I Live in Tennessee""
Where can i get cheap Car Insurance?
here you go a website that can help you find the best auto insurance in your area http://is.gs/7xg
Where can I find a comparative of insurance quotes for comercial stable insurance?
I need property coverage, an umbrella plan, summer camp coverage, equestrian activity insurance.""
Is there any way you can cheat on getting lower car insurance?
23/ single/ brand new car...and my parents just booted me out of there policy :-( HELP!!
Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
Do you think I need insurance?
I have to have insurance on my car for 3 years because I got a ticket for no insurance and suspended license. I just recently go rid of my car...do I still need the insurance. People have told me to at least keep liability non-owners insurance, but that's $266 a month for me...!!! Can I just forget the insurance and ride the bus?""
Boxer Dogs and homeowner insurance?
in the state on Louisiana in the N.O area does Boxer dog cause ur insurance to rise?.. and what are some links?
How much would insurance cost. The car is a 2000 Lincoln Continental.?
How much would it cost I would mostlikely be put on my parents policy. Just wondering how much it would cost. Im 16.
How much does it cost to become a named driver under someones car insurance? in the uk?
How much does it cost to become a named driver under someones car insurance? in the uk?
""Teen car insurance,HELP!!!!!?""
im going to get my license in december, and i want a 2008 honda civic hybrid, im going to be 16 by then, my gpa is 4.0, and im a female, live in california, and how much will be my insurance approximately if the car is under my parent's? and what do i have to bring on the day of my road test other than my permit and my drivers training completion certificate? thx""
Im having a baby.. now i need insurance.. what am i able to do?
Im having a baby.. now i need insurance.. what am i able to do? Shes about a month along, andwe donthave insurance tohelp us have it.. what can i do? Can i still get it or do they see that as priorissue andsayno.. We need help bringing it intobthe world..butwere lostat the moment.""
Which cars are cheapest to insure?
I've had some problems in the past and my insurance is through the roof. I'd like to finance a car, but I don't want to have to rob banks to afford it. Does it cost different amounts to insure cars? Which are on the cheaper end of that spectrum?""
How much does it cost to live on your own. CAR INSURANCE?!?!?!?
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If the insurance company totals my car do they keep it?
My car is old. Its a 95 Neon and it was backed into this weekend. We got one estimate of 2600 but that is more than the car cost. If we go thru the insurance company and they total the car will they keep the car or let us keep it. It still runs fine.
Its about car Insurance?
hi guys i was wondering ive recently looked at a car ad the cars insurance saids 15E its and 2003 ex police car 'volvo s80' at the age of 21 is that going to be expensive. ??????????
What kind of Certificate of Insurance do I need.?
Hi. I just found a new apartment and in the lease contract there is something about a Section 1940.5 of the California Civil Code. The code basically says that if I have a waterbed or fish tank that is over 5 gallons I need to provide the landlord with a certificate of Insurance in the amount of $100,000. What kind of insurance would I be looking for to cover this? I have a 18 gallon fish tank that I would like to keep. Thank you!""
Where can i buy health insurance?
I'm have a low income and I'm looking for a right insurance coverage. I work as a part time job so my employer won't buy an insurance for me. Please if anyone knows any ...show more
Roughly how much will my insurance premium increase if i totaled my car?
I have AAA full coverage with a 1000 deductible. On Saturday night, I totaled my car by losing control and slamming into the wall to avoid some idiot hitting my passenger side (with my friend sitting there). I'm 18 years old and I've had my license for almost three years (three years in January) and I've never a ticket or been in any other accident and in this accident, no other vehicle had contact with my car. I'm sorta just looking for a rough estimate on how much my insurance will go up. I currently pay 1,500 a year. Thanks in advancee.""
In ALABAMA do i need full coverage?
I want a new car...and I was gonna go to a buy here pay here lot, but I was wondering if I need to have full coverage on the vehicle...""
Best and cheap major health insurance?
Best and cheap major health insurance?
Don't want to renew Virgin car insurance but having problems contacting them?
I recieved a renewal car insurance quote from Virgin which is really high. I have shopped around and decided to buy my insurance elsewhere. The only problem is Virgin automatically renew my car insurance for me unless I tell them not to. The only method that they give to contact them is a phone number. I have been on call waiting for 20 minuted now and still not managed to get through to them. Does anyone know of another way of contacting them as I am worried that my call will never get answered and I will be forced to keep my insurance with them?
Do you have to prove you have a job to buy car insurance?
do you need to show check stubs or anything to get car insurance
Misspelled name on car insurance card.?
I have allstate car insurance .They just misspelled it by one letter, what is supposed to be an N is an M , I've had the card for like a month and its misspelled on my old one too. Does it really matter?""
Do you have to buy auto insurance as a condition of OWNING a car? or DRIVING a car?
If you own an RV and you live in it but you don't drive it.....does the auto insurance mandate apply to you?
Why do Liberals want to be force to pay Health care Insurance?
why can't some people work harder and pay for their own health care insurance? There are some people who are driving without car insurance.... So I don't think there is such thing as affordable health insurance
I got a ticket for 64 in a 55 mph zone. will my insurance go up?
im 19 and have had one bump up about 2 months ago and i just got a ticket for going 64 mph in a 55 zone. will my insurance rates go up?
Can anyone suggest me a good health insurance company in India which also offers maternity benefits?
Can anyone suggest me a good health insurance company in India which also offers maternity benefits?
Health insurance??? Problems with the system??
Personally, I think america needs to get away from depending on employers to provide health insurance. To many U.S. citizens are going without coverage....even though they have jobs. What should be done??""
What kind of business insurance is needed for a small business retail store?
& on average, how much does it cost (it will be in Brookly/NYC)""
What's the cheapest auto insurance company in New Jersey?
I live in Newark and my insurance keeps going up. I have a 2002 ford focus with geico and although I got a speeding ticket and a seat belt ticket, it has gone up a little to much. PLEASE HELP!!!""
Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
Saint Clair Shores Michigan Cheap car insurance quotes zip 48080
https://www.linkedin.com/pulse/car-insurance-help-daniel-mccullough/"
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My insurance card doesn’t say ER. Does this mean I can’t go to the ER. I have blue cross shield PPO?
"My insurance card doesn't say ER. Does this mean I can't go to the ER. I have blue cross shield PPO?
I need to go to ER asap but don't wanna be charge all crazy for it
BEST ANSWER: Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr
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Can you deny the other parent taking the kids because of no car insurance?
I have a friend who recently found out that his ex-wife doesn't have car insurance. He's telling her that she cannot come pick up the kids because not having insurance is illegal. It's stupid and petty, but would it hold water in court?""
What is the best place to get car insurance?
I'm I'm high school and I have a job making minimum wage. Where is the absolute cheapest place where I can get car insurance? VERY CHEAP PLEASE
Recommendations of car insurance for someone who is an experienced driver but it is their first cover?
My husband has held a driving licence for 10 years. We don't own a car and never have done as we couldn't afford it but fortunately we lived in London so we had good use of public transport. Over this time we have rented a car numerous times and have driven all over England up and down motorways and country roads plus on all our annual holidays abroad. In addition, we have loan of a car for 7 months every year of a family member who goes abroad for the winter (and are on their insurance). We've just moved out of London and have now bought a car but when we've got quotes for insurance (looking at direct quotes as well as websites as via GoCompare) they are expensive ranging from 715 - 1695! When we called up a few insurers to find out why it is this high, they say it's because it's the first insurance he has had and it looks like he's an inexperienced driver. They say that they need proof of his experience to be able to bring the premiums down however when we say we have proof of him being on the family member's insurance as well as being able to show previous car hire rentals they won't accept this. I was wondering if anyone had any advice or know of any insurance companies they'd recommend for situations like this. Many thanks.""
What car colors are more expensive for insurance?
I am buying a new car and I have found the one I want but I need lower insurance so what color is cheapest and what is most expensive.
Does late payment on car insurance affect credit?
just wondering if a late payment of a bill....say my telephone bill, or car insurance affect my credit?""
If my son is on my parents insurance does that mean they claim him on his taxes?
Okay my son is now 1 year old. He is on my parents insurance, we live with them, and my parents pretty much support him.(pay for all expenses).. Now my sons father wants to put him on his taxes. I know he just wants to get money to get him a new car. he also says he will get me a car too. but idk about that. When i told him i think my parents already claimed him, he started yelling its his son, and told me to give him his security card(he has a really bad temper and gets angry to where i get scared) so i did.. but now i need to sign a paper..and i dont want too.. Here is my thing i told him that he is automatically on my parents taxes, because he is on there insurance, so that would mean i would have to take aiden off of their insurance(Which means he wouldnt be on any insurance)he started yelling how stupid i am and just to sign paper, my question is is it true that because my parents have him on their insurance, he is on their taxes. What should i do? Thanks for anyhelp. Sorry long question. Please no rude answers""
Can anyone tell me how good this insurance is?
I recently got Reliance Standard insurance..can anyone help me figure out the copay? I went to the website and can't figure it out..
I need 3 insurances anyone know good insurances?
I need three insurances. Does anybody know any very good insurances? The insurance I have is freaking crap, so I want to change everything, so I need 3 insurances. I want the best ones but I know those ones are high price that's what I was told, so I just need 3 very good ones with a reasonable price. The 3 insurances I need are cosmetic dental, pet insurance, sports insurance. Went to the dentist and found that I need little work and all of the work is cosmetic. Insurance that I have doesn't cover cosmetic things. I have 3 pets and I need pet insurance. The last one I need is a sports one. My insurance won't cover sports or fitness. I need sports insurance that is great. The sport that I'm trying to get into is wrestling yes professional wrestling like WWE type. I need sports or extreme sports insurance that will cover on those type of extreme sports. I was told that There is a insurance that covers everything sports, cosmetic and pet insurance but I don't know how true that is, but if there's a one please tell me. Anyways anybody let about these 3 insurance that I need. Thank You so much to whoever read and answers my question and helping me. Thank You.""
Cheapest car insurance I can get? (10 points)?
OK I know car insurance can depend on a bunch of diff factors. If I leave something out that may mean major money let me know and I'll do a quick edit. *I'm 17 *Senior in hs *A-B+ average *Had my DL for 3 months *Never been in a wreck *Never received a ticket *Took drivers ed *I have a part time job Again if there's something else I should mention just let me know. My insurance right now is $1000 every six months. It ends this month though, and I'm looking for a new insurance.""
How much is my health/car insurance going to be?
i am a 18 year old girl in california. ive never gotten a ticket or pulled over and i drive a 2010 ford fusion se(4 cyllinder) with all the safety features it offers. i dont think i have bad credit because all i have is a debit card that is attached to my parents accounts and they deposit money in it when i need it. so if i try to go over my limit it doesnt let me. we have triple a insurance and our bank is wells fargo. i dont know if having a job changes the price but ive had 2 other jobs and am currently employed in a new one. ive never been fired only laid off once because i was a seasonal worker and i quit another for not enough hours. all 3 jobs are retail jobs not making more than 9 dollars an hour. also i am a full time student with 12 units in a community college. My parents have basically perfect credit, both of them. does anyone know how much it will be for both health and car insurance if i start paying?""
Car insurance go up if not your fault?
If somebody hits you from behind, and it's completely their fault, you file claim for insurance, does the non-fault person's insurance go up?""
""How much is it for drop charge of rent-a-car? and if I have my own insurance, is it covered a rental car?""
Hi~... I'm in the U.S. I'm gonna be on a vacation in some other states, so I guess I need to rent a car... I would like to take my trip by car in some states.... Here is the question. Actually, I heard from someone I know that I can drop a rental car in any other place...For instance, if I rent a car in Sanfrancisco and go to L.A, I can drop it in L.A Is that true? or I got wrong information...... If so, how much does it cost? And, if I have my own automobile insurance, does it work for a rental car? Please answer me, I'd really appreciate it.....""
Do you have life insurance?
Ok we have been married for 10 years with 2 small boys. My husband works, I don't. I think he needs disability insurance and life insurance just in case something happens to him. And maybe even life insurance on me and the boys to cover at least funeral costs.. He thinks it's a big waste of money but I think we should. Also, my sister asked me if I would take her boys if something happen to her and brother-n-law. I said of course!! She told me that I would then get XX amt. of money from her life insurance... She also stated it's in their will!! OMG do I need a will too. What do I need in this will. I don't want my kids in foster care so I should name some people who would care for our boys..""
How much would insurance for a motorcycle cost for a 17 year old?
How much approximately for a 17 yr old with a 250 ninja? what about a 600cc bike? I do not have my drivers license yet, only my permit and I would get a learners permit on my bike. How much do you think it will cost?""
What would be a cheap motorcycle to insure....?
im 20 with im going to do a safety course id like something sporty looking...new or used...would it be cheaper to go with a older bike so i can carry liability or do older bikes have alot of problems....inform me with you advanced riders knowledge
Temporary vehicle registration and insurance in California for uk citizen?
Hi, Myself and a friend will be travelling to California next month to purchase a 1960s vw campervan. We will be driving it to the shipping port to export it back to the uk. I've been told we can get a temporary registration which lasts 28 days and will allow us to drive the van. I've been on the californian DMV website but cannot find any more information or the forms. no email address either! So far I just know we will need to have an insurance certificate to get the temporary registration. Couple of questions really, Do I need to purchase a van before I can get the temporary registration? Ideally I would like to go buy a van and drive it away there and then from the seller but Im thinking I'll have to put a deposit down or similar and get the info and go to the DMV before I can take it away? Second question is insurance, I guess the best idea would be to go with an American company. Will they insure a uk citizen who's just over for a few weeks with just a uk driving license? Any suggestions of companies who may do so? In the uk we have a company called swift who only deal online. This would be ideal because then I wouldn't need an address forms/certificates to be sent. Any ideas? Reason were not getin it transported is because we want to do a bit of travelling on route to a east coast port.""
Will getting a ticket affect my dad's insurance?
So I was driving my dad's car and I made an illegal uturn at an intersection and got a ticket for it. The car is owned by my dad and it's under his insurance. Will this affect him in any way? If I don't pay the ticket, will it affect my credit or his or does it even affect the credit? I live in Vancouver, BC.""
What is the cheapest car insurance in Wisconsin?
It seems to me that every insurance company out there is claiming to have the lowest rates, etc. In your experience, who has had the cheapest prices? I'm referring to basic car insurance...no frills, just the minimum coverage that is now required in WI? Thanks (and please dont try to sell me something...I just want some ideas here)""
""What car would be cheap on insurance now, but in a few years time be able to modify it?
I want a car that is quite low on insurance now while I build up no claims bonus. Then in a few years be able to upgrade it into a little street rocket. Please don't suggest mustangs etc
Do Car Insurance rates go up when being rear ended?
I was rear ended and it was NOT my fault. I live in California and have State Farm. Will my rates go up?
Car insurance please someone help me!?
I need to get a drivers abstract for this job I'm applying for....I have a speeding ticket which took 3 demerit points, but I'm pretty sure my insurance company hasn't found out....this was about a year and abit ago and my insurance company told me when renewing my insurance that its clean......if I get this drivers abstract will they find out and want to charge me more? And do companies really care about a speeding ticket 16km/h over?""
My insurance card doesn't say ER. Does this mean I can't go to the ER. I have blue cross shield PPO?
I need to go to ER asap but don't wanna be charge all crazy for it
Insurance company GETTING AWAY?
I was reently rear-ended, my vehicle was totaled. My MEDICAL insurance paid for all our medical costs, does that mean that the other drivers car insurance company gets away without paying anything. At the hospital I gave all my medical insurance info, recently I got a letter from the hospital saying that all cost were already paid by my MEDICAL insurance company. Is the other drivers CAR insurance company gonna get away without paying anything? They have accepted FULL fault, since I was rear-ened.""
I need help choosing insurance for my car?
im 16 and i just got my license. I live in southern california and need help choosing a car insurance company that is reliable and easy to afford. i have a 3.5 gpa but dont know what company will give me a discount. Please help
Where can i get visitor health insurance at affordable rate?
is there any good co where i can get affordable visitor health insurance thanx for suggestions
Home loan insurance plan v/s life insurance plan?
how the home loan insurance plan is better/worse than the life insurance plan ? I am to buy a house in india, and can't decide which insurance to go for.. a home loan insurance or a life insurance..""
What to do if i don't have auto insurance before purchasing a used car?
Im buying my first car. Im just looking for vehicles at the moment and ive never had insurance. Anyone been in this situation and can help me out?
Can I use my car that is under my dads car insurance?
Since i'm a new driver and 18 years old. My insurance rate will be up and can be very expensive. Can my dad just put his name and stuff on my soon to be new car? (Subaru BRZ) after all he is paying for it so technically it's his I guess lol
What is Comprehensive Car insurance and Third Party Property Damage Insurance ?
I need a brief description (that's not to complicated please:) of Comprehensive Car insurance and Third Party Property Damage Insurance :)
""At age 60 without employment,i need affordable insurance please help.?""
At age 60 without employment,i need affordable insurance please help.?""
My mums taking out insurance but i want to be added as a driver.?
well i have recently passed and my mum is taking out insurance on a car but i will be added as a driver, now when i went to get a quote i was told that they cannot do this due to reasons of me only doing it to get cheaper car insurance, he also said that this could get me points on my license??? is this true ?""
Dental insurance Help. Dont have insurance. 21 yrs old?
Hello, im 21 and from California. My question is about dental insurance if anyone could give me some helpful Information. I don't have dental insurance and have no idea how to go about getting it. I currently have a few cavity's and a crown that needs to be done. Im not sure how that could affect me getting insurance? Also how much is dental insurance.. a range? Any info you can give me on how to start looking for an insurance would be great..THANKS!!""
Why wouldn't you call your auto insurance company when you have collision and comprehensive coverage?
My impression is that they're worried about their policy rates going up, or maybe they don't have auto insurance? But why not take advantage of your auto insurance whether you end up pursuing the claim or not?""
Where can i get fish tank insurance?
My landlord wants me to get a liability insurance for my fish tank. What can I do? 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 getting married affect me being on my parents car insurance?
My mom knows we are engaged my dad won't even know that until December. My husband and I just got married yesterday but our ceremony is not until August. I realized today I am on my parents car insurance. Am I still going to be on there or are they going to send a letter to them saying I am married or something? He already paid the premium until April 2012 with me on it so I don't think they can take me off til then? Maybe at the end of the 6 months I should tell them since I am getting married in 4 months I want to get my own car insurance since it wont be the full cycle done before I am married. IDK I just wanna know if the company will say your married daughter cannot be on your insurance??? I am kinda freaked out.
How to catch more insurance clients???
I am Life Insurance Agent. I am just trying to find out more clients to develop my insurance business.
Need Medical Insurance?
My husband has a great job but the sorry part is it doesn't come with insurance which sucks. He makes too much money to qualify for Medicaid or Chips. I need an affordable health insurance for our family. Insurance is so expensive, please help me.""
How far back in your driving record do insurance agents look when determining your car insurance rate?
How far back in your driving record do insurance agents look when determining your car insurance rate?
Car insurance who is responsible ? He lives on his own but the car is in my name?
My son is twenty three and lives at a different address. The title for his car is in my name. Who is responsible for car insurance?
""Ninja 250 kawasaki Insurance rate,?""
I live in Canada ontario, and am 18, and i talked to my parents about getting a motorcycle today which they had no complaints about as its my money. Etc. Yet my dad said the insurance would be Higher than car insurance which im really worried about if i do get myself a sportsbike, my first one being a ninja 250, not sure what year but im going to get it used for sure and resell it at a later time. Basically, ill be 18 by the time i get my ninja 250, and would like to know the range of insurance for each month, thanks. Or point me in the right direction where i can check.""
How much does a new camaro 2010 cost?
And how much would minimum insurance on one cost? I would be willing to get a white one if it meant lower insurance costs. Thank you and god bless!
Should I report my small fender bender to my insurance?
so I hit a motorcycle and broke one tail light off of it. The guy took my insurance info but said if I pay out of pocket he won't report it. the thing is... there was really no fender damage to the paint but he said he needs to paint it. I went to an autobody shop and to fix the light it will be about maybe $200. but if he is gonna want to paint his fender, should I report it to my insurance. I have pictures but not close ups of the paint. how much will my premium go up. I have no deductible and I have mercury insurance in California. Is it worth going through insurance... how can he prove that the paint job is caused by me? Thanks! Any advice on what to do would be great! I don't want my insurance to go up and don't mind paying out of pocket, but am scared he will eff me over with the paint job and go to my insurance.""
Can An unlicensed person buy auto insurance for their car and have other drivers?
My husband owns a car but has no drivers license at this time. He wants to insure his car and have friends drive. Is this possible?
Will a DUI in MA 5 years ago affect my insurance rates in CA?
I was arrested for DUI in January 2008. This was my first and only DUI charge. I am planning to move to California later this year and I was wondering if this conviction will still affect my rates? I read something about the interstate driver's compact and about how Mass. is not a member so it might not share driving history with another state especially since so much time has passed and I have kept a clean record since then. Any info would be greatly appreciated. Thanks!
Insurance for a 16 year old. ?
I turn 16 on December 30th, and i can get my license on January 4th. I know insurance costs less if you have a 3.0 or something like that in California, thats the state i'm asking about. Our new semester starts when we go back to school on the 3rd or something like that and i will have all a's. I was wondering if anyone knew if they look at those grades, or the final grades from the semester before? this is for the deduction on the insurance, anyone know?""
Can my car insurance company take my car without my Authorization?
MY car was stolen out of my driveway after i got home from late at night from dancing at a club. I was was very tired and accidentally left my keys in my car. I awoke up the next morning with my car gone. made a report it was stolen, a few days after police contacted me stating my car was found and it was smashed up un-driveable. they put it in a towing company. asked me several questions and went into investigation. insurance called me and did their own investigation and asked me several questions like the police did before. I got a letter in the mail a week later from my insurance stating they will not give me any monies for my car because they don't believe my story. but failed to give me proof of me lying. understand my car is paid off its a 1998 BMW. it was in great condition.I am still paying insurance on it, I found out today that my car is not at the towing place that an agent from my insurance company came and had my car towed away. I was never informed, i did not i sign any papers releasing my car. I have the title. the towing place said they needed the car for investigation. can they take my car without my consent?""
My insurance card doesn't say ER. Does this mean I can't go to the ER. I have blue cross shield PPO?
I need to go to ER asap but don't wanna be charge all crazy for it
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