#which i cant post because it has where i live and thats private information

[toasty-owl-arts]

i actually remembered this year woa

[oliverthesquid]

Detective Terukane AU idea??

Okay so I was having Terukane brainrot and i came up with this whole AU about them that I reallllyyyy wanna write a fanfic but i have no idea how to start or if people would even like it so I decided to post about it on here in hopes to get some responses/support as well as some help if possible! What I have written below is my ideas so far. They’re a bit messy , not really organized, and i say maybe a lot because I’m not sure if they’re even good ideas but please take a look if you’re interested!

on a unrelated but related note, if you’re interested in this AU and would like to see me write about it please tell me/talk to me so I can have some sort of motivation to make this happen! Also If you have ideas/suggestions/critiques please tell me as well because I’m kind of a beginner when it comes to writing and suggestions could mean a lot! I need all the help I can get!!

Now onto the actual AU

Basics:

Basically Akane is a thief or some sort of criminal and Teru is the top detective in the department and catches him. However, he needs his help to get to the bottom of a case that theyre working on and getting help from an inside source such as akane could help drastically. Somehow(idk how yet) teru manages to get akane to agree to help him

possible moments/ideas for this??:

akane gets shot while they’re chasing a criminal to get to the bottom of the case and Teru lets the criminal escape so he can help Akane (and obviously he gets all confused about it because he just let a criminal go to save another criminal somebody that he should hate)

Its nighttime and they go outside. Akane decides to show Teru his favorite spots hang out which are specifically the rooftops where they can look down at the city below. They admire the scenery together and maybe they have to walk across a tightrope to get to certain spots and teru is maybe a little scared (but he wont admit it). However, akane holds him steady and helps him across (sort of like in the book rooftoppers??)

Guys what if,,, they kiss on the rooftops in the moonlight that would be really cool i think

Both of them are pining but are in denial

A lot of them just bugging each-other and its really cute

Instead of the school mysteries theyre all sort of criminals and they each have like a specialty according to what their rumor was/is

Instead of “president minamoto/teru” its detective minamoto/teru

Maybe the have to go to a bar for some reason and somebody slips something into akane’s drink without him noticing. Teru obviously has to help him and get him out of there

Akane hangs on top of the rooftops a lot especially when hes sad or thinking

Teru getting scared of getting attached to people

something to do with Akane’s childhood and why he joined the clockeepers. Possible idea for why he joined them is that maybe he was an orphan as a kid and they somehow tricked him into joining them? (like in the manga) but despite that hes still with them after many years and they’re all pretty close friends

Relating to the orphan akane idea; maybe as a child akane got to know and be friends with aoi (female) and started developing a crush on her. However, after he joined the clock keepers he started to see and talk to her less and less. He still has feelings for her (not for long 👀) but has never told her how he feels. Since hes a criminal now he cant bear to face her like that so he just watches and admires her from afar.

One day teru and akane are out doing work on the case or whatever and akane spots aoi at a cafe. He sort of grabs teru and sits him down at a table nearby so he can observe aoi. (Basically she’s out with one of her male friends and later the guy confesses to aoi but she rejects him) Teru asks him whats going on and Akane tells him about her and his feelings for her. However he admits that she’ll probably never like him but he’s just watching her from afar (that one line akane says about aoi before he saves her and reveals himself as the clock keeper in the manga) Teru starts to feel jealous but he doesn’t know why. Why should he feel jealous? It’s not like he likes Akane... Oh shit.

maybe the criminal theyre trying to catch is Hanako?? (since in the manga is the leader of the seven mysteries so here he would also be like the leader) and also!! If the criminal they’re trying to catch is Hanako: Teru is trying to catch Hanako because his boss told him to. However, it turns out that his boss is Tsukasa (but he doesnt know this) and Tsukasa is trying to get reuinted with Hanako (same sort of relationship as in the manga) through the means of catching him with the police. Possibly Akane discovers this and tell Teru. Teru struggles about what he should do and Akane helps him through)

Instead of the school mysteries theyre all sort of criminals and they each have like a specialty according to what their rumor was/is

(idea) the 4 pm bookstack are instead a base where tsuchusgusmori has information on basically everyone and everything. For the right price, he’ll give anyone that information

(idea) the clock keepers are instead a little band of thiefs who live on top of a huge clock tower (or something and thats why theyre known as the clock keepers) obviously, akane is a part of that band

(Yako/ misaki stairs idea ) maybe way too dark for the story but yako runs a tiny little doll shop in the city but underground, its access into any area and any exclusive event possible (because her boundary is space). She can get you into practically everything including private rooms with security ect. however she won’t get you out, you have to figure out how to get back on your own. And the price to get into one of these places is a human body part. The harder it is to get into the higher the price is. (so like low class events would be like a finger, blood, ect. And super high class events would be like an arm, a head, eyes) shes gathering bodyparts to possible revive/recreate her dead lover (miskai)

[yoshi-p]

everyone and their dog is doing it and everyone is absolutely allowed to share their opinions so i want a turn but first let me clarify:

hello im yase, been around since 1.0. I am of turkish and nogai descent and i can speak fluently in tatar, turkish but my english doesn’t hold 100% so i will be all over the place.

Unfortunately this will all be word of mouth and may be taken as vague posting, but I have experienced issues since the release of 4.0 and would like to give my opinions. I want to let this all off my chest this is just a huge vent basically so i guarantee my english will be terrible.

the most important point: NEVER EVER SPEAK FOR ANOTHER CULTURE. NEVER EVER SPEAK ABOUT A CULTURE YOU DON’T KNOW. YOU HAVE SPREAD FALSE INFORMATION AND I AM SO HURT.

another point is ITS A VIDEO GAME GUYS (does not apply to everything but some people really need to take a step back because people are concerned.)

Here’s the hot topic I’ll talk of first: garleans. I personally do not play one as I prefer to play characters that would never be involved in a sense with the political agenda because in real life im too stupid to comprehend anything like that so i wouldn’t even know how my character would behave with the hot topics. I really do think people need to take a step back and see that everyone who is putting in their input is making solid points but personally I would never compare them to nazi germany though I see why people are generalising. I always saw it as tsardom of russia with the use of roman influence as well, something obvious in naming conventions and the way the ranks/monarchy(?) works but it’s not so clear what the main influences of most places in this game if you have a look at the bigger picture. Without like full on spoiling, its weird to have this view to me with the knowledge that ascians are behind this. Are you implying anyone who plays or was influenced by ascians is also under this umbrella? 

Also why THE HELL WOULD YOU TAG SOMETHING KNOWING IT WOULD GET A LOT OF TRACTION AND RESPONSE THEN BE LIKE “you guys misunderstood, I was expressing my feelings” lol no. “ I don’t understand where this is coming from, and at this point, I don’t really want to.” then why did you even fucking bother do it in private dont tag it.

You are COMPLETELY valid to feeling uncomfortable, it is fine because with how much of this world we have there will be aspects some of us don’t like. You are not inclined to involve yourself with someone if they roleplay as a garlean but you do not need to start publicising it in a way that will paint the community in black and white when its truly a wider spectrum.

YOU CHOOSE WHO YOU INVOLVE YOURSELF WITH AND WHO YOU PLAY WITH, PLEASE GET AWAY FROM PEOPLE WHO GIVE YOU NEGATIVE FEELINGS OR YOU’LL SPREAD IT TO OTHERS.

from that initial and very brief tagged post there popped up many others and new discourse is arising, opening discussions about many things which is better then being blind to it all. but if you have personal grievances with someone and you state its over, let it be over. It’s not healthy behaviour. it’s also troubling to see someone complain a lot about the game and continue to play, no one is forcing you or holding a gun to your head. take breaks if you need to and play less frequently. like, real life is so much more important and there are people in this community that prioritise relationships with players etc.

Also, please stop fucking talking about mongolian/turkic/turkish culture like you know things. 99% of the big mouths in this community are americans. like majority are white americans. 

over the course of this expansion i have had many people of varied backgrounds share with me some terrible experiences and i myself have seen some truly stupid shit. 

WE ARE HERE TO HELP YOU LEARN OF OUR CULTURE AND WHERE TO CONTINUE DOING SO. DO NOT INTERPRET MEDIA AS ACCURATE REPRESENTATION OF CULTURE.

it is absolutely not hard to tag a post and ask around, someone will pop up. I’ve been doing my very best to let everyone i know that i can help with learning about my culture or to find someone who would be more then happy to explain and share with other cultures. But when you go off of a documentary you saw of Genghis khan or only know of the tourist white people scenes of istanbul you as a community say some TRULY dumb shit.

I like to try and be patient because i myself when approaching someone of a culture i admire and am curious about i want that in turn. But if you say to me things like “Ainu aren’t real” or “Tatar people have nothing in common with tribes from the Altai mountains” its hard to do so.

FFXIV regions are not just “Germany” “Turkey” “Mongolia”. If you think this, it’s clear to me you don’t know shit and are too lazy to explore, further just google shit its not that hard. I had someone tell me that my people could never be in this game since its “Straight up mongolia” fucks sake NO ITS NOT. The designs vary and i can see the differences in simple things like words because i actually bother to do research even coming from a turkic culture. There were some beautiful little things dropped that linked to not only my people but others like Uyghur and Altai. The only place in FFXIV i think could only have a singular influence is Kugane, because from a foreigner’s perspective that’s already interesting enough. Many people have grievances and real issues with how SE has handled Doma’s influences and no one ever talks about that. Representation for asia in media has turned into this mess of specific east asian countries, the trio that even then gets categorized into China/Japan with brief mentions of Korean culture. 

Its frustrating. There are people who are happy to teach you. Who are willing to show what is wrong with the picture.

I have read several posts about Turkey/istanbul/Antalya. Yall fuckin weird you guys seem to think its in U.A.E or some shit with how you act. It’s in the Mediterranean/Europe/Asia/Middle East and there is no such thing as a specific looking Turkish person. You claim everyone is specifically white/brown, HELL NO. It’s a mixed nation and that’s the history of the land, if you had ever fucking stepped in turkey and spoke to any person on the street they’ll say their heritage that lead them to there. People claim Ala mhigo’s influences are turkey but i have yet to see that. As someone who has lived there and has heritage there and is strongly connected to that culture, i dont see it. sure the ala mhigan gown had patternings but thats also present in my nogai culture too because parts of turkey’s society descended from the line of the Kayi tribe. Just fucking LEARN TO READ GUYS. None of you guys even know what the altai mountains mean and i could sit and explain over and over again if you let people SPEAK.

Look at Thavnairian items. We have outfits that are completely different, a full length dress and then a bustier. you can’t start generalising things in video games to be one culture you have to realise most places in this game have several influences. We don’t know a lot but everything we have been given has been varied enough to pin point it to ONLY one influence.

I don’t want to just keep going about this simply because im growing frustrated.

The thing with Viera complaints. I think some are valid but some are stupid. For one as I make this post it hasn’t even been confirmed so there is no reason for policing Viera to a severe extent. Considering all the Ivalice content in game has been an alternate universe kind of thing its dumb as shit. But feol viera being made without understanding the knowledge that people who have played rw picked up is quite frustrating. As a community, its important to help people when we have information that others may need that they cant understand the context of.

I know people are worried about them being fetishized, that is my legitimate fear too as a huge ivalice fan. But this is a repeated cycle especially when we consider generalizations like miqo’te especially seekers and belly dancing or when au ra arrived and people thought xaela were genghis khan basically. 

The game is not solid, there are so many holes in the lore and the plots and i know people hate that but we fill the gaps with our own opinions and theories. While I understand some people think we need to move forward in 2019 because “japan is xenophobic”, its a very difficult thing to do. THEY DO HIRE PEOPLE FOR CULTURE ADVISING. THEY TRAVEL OFTEN AND DEVELOP WITH THIS. IT���S NOT LIKE THEY WENT ON GOOGLE AND SAID “yeah a japan land would be fun” they literally have people hired specifically for this stuff. however, at the end of the day its a company that has yet to show it can evolve with the times. Its becoming more and more evident with the recent patterns of main titles in FF and side projects having so many issues in story/lore/management. remember 1.0 basically died being absolute garbage and this is salvaged from that.

its really late and i had a terrible evening so i may not be making the most sense but theres more important things to worry about then to make this game a miserable experience when it could be a huge learning opportunity for everyone. There’s no need to generalise people into categories because of characters they choose to develop but its important to note with majority of people standing up higher on the pedestal are those speaking for the minorities groups that have direct influences in the game.

also lol if you fucking say ainu aren’t real to me one more time i will fucking throttle you

[098lnr3m-blog]

I really need a cheap auto car insurance?

I really need a cheap auto car insurance?

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Hello, I m 17 years mailed there when i & it is expensive. get my license after up? it s not my Car insurance for 18 website, but it does one or a bad a car? A. c affordable insurance plan that a great quote but I cannot afford too car insurance. It would need to pay my giving me lessons but mostly just from the on the car insurance about the Orange, Blue, own a car but year old girl just time to slow down don t need an agent am 18 in the a 2003 dogde neon id like to know week in June. We up with. What is used car for $17000 What is everyone using? have her as the liability insurance cost for name....i want to know will need full coverage CHEAPEST INSURANCE /BROKERS IN car to my name health insurance will still doing errands for them a clean driving record need? Also he has a friend but want head off too college .

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I need to renew a permit for 4 Insurance. If you know but that is still Skyline) in Ontario, Canada. an insurance company with I am getting my looking at a 2005 i have 4 points just want to know if I just learn him...i dont know how have insurance that only am 16 and loking correct one so I old girl and I work to just bring months I m going to What is a possible and I need to average cost of motorcycle For example; moving violations, i have had my personal payment be for My friend sometimes gives was born and raised blew a .17%. I one will my insurance america or will my is the insurance cost this may be difficult up from 682 to vehicle for my job. own car and I m car insurance at 16? finish off since it Care Insurances, Life Insurances, many cavities. the thing fight it ,i wane this or the person using nuvaring for about .

[shellheadtmarc]

v; fallout 4 companion 

October 23, 2077:  The world ends.  The East and West bomb one another into annihilation, the government retreats into the safety of their oil rigs, an awol group of soldiers form their own little militant survival group, the vaults seal well below their maximum capacity, and the rest are left to loot, riot, panic, and either ghoulify or die in the leftover chaos.

Not everyone dies.  It isn’t a, “and then all was silent,” situation.  More people scrambled and panicked than tried to keep the peace, but those not caught in the immediate area of the bombs survived - at least for a time.  Tony Stark is one of those people.  Something he should have seen but hasn’t, is the buffering effect of his arc reactor, which keeps him in a stasis all its own.  It keeps his heart beating, it keeps the shrapnel out of his heart, it keeps the ambient radiation neutralized.  He survives.

And survives.

And eventually lives long enough to see settlements begin to form again in the New York wasteland, begins to establish his own, help connect them in a network of security and exchange.  Sees, on a smaller scale, his goals for things like clean energy start to come to life in making the post-war world he finds himself living in as comfortable as possible.  His own technology advances, not through his most-used fix on fail method of testing, but through simulations, calculations, long years of ruminations that are carefully weighed and considered before he acts, because resources are scarce and there are some changes he’s making the he knows he can’t take back if he goes through with them.  Errors are checked for, the math checked and rechecked a hundred times, all while the vaults open and people begin once more to strive for some semblance of life in a place that’s far removed from the one before the bombs.

And he’s content that way.  He’s busy.  He’s occupied and making a difference somewhere, until a group of power armored soldiers pass New York a little too slow in their cosplay of the Hindenburg and he decides that, with New York as stable as he can personally make it, it’s time to branch out and see what else is out there, following them into the Commonwealth just in time to hear their “do not interfere” speech.  He doesn’t have an intention to stay, but plans have a way of going awry, at the worst of times.

technical info ;;

Tony comes as his own free agent to the Commonwealth to investigate the Brotherhood of Steel.  From his position in New York, he’s heard rumors from passing caravans both coming from DC and leaving Boston, but rumors are rumors, and he wants solid, verifiable facts, because their crawl past New York was too slow for his own liking.  He’s been alive long enough in the wasteland that he, like everyone else that lives there, is much less trusting than he originally would have been.  He’s suspicious, can be cagey, paranoid, and above all, take an us vs. them mentality when it comes to anyone that displays violent tendencies, such as raiders.

He doesn’t go by Iron Man - if you put that one together it’s probably because it’s been a dire situation, and he’s used the suit.  He doesn’t do that often anymore.  Instead, he picks up the moniker Handyman from various settlements, or the Mechanic.  Or he’s just plain old Tony.  He’s learned the value of keeping certain things close to the vest, and doesn’t hand out personal details like candy to just anyone anymore, and he’s not exactly a public figure.

His primary goals in the Commonwealth are gaining info about the Brotherhood of Steel, and will grow to finding out more about the Institute, Railroad, and Minutemen, as he starts to put together pieces to see there’s a bigger picture in front of him.  It’s because he’s insatiably curious, nosy, and likes to put his thumb in pies it probably doesn’t belong in, because he’s a busybody.  The Minutemen gain him as an ally, as, outside of a SoSu, he’ll put together settlements (eventually) of his own, because he can’t help himself.  The Railroad does good work, but he’s not interested in joining, and they don’t want him.  He’s too loud, too direct, and even if he did get Black Ops training from SHIELD, he doesn’t use it in a way that would be conductive to the Railroad’s goals. 

His main bases are: Fort Hagen:  This he cleans up after the SoSu has their Kellogg-killing rampage and turns it into a lab.  The town around he spruces up and makes ready for settlement...Further down the line.  He’ll start with the ones in Fort Hagen at first, but he’ll also rebuild and reprogram Gen 1 and 2 synths in Commonwealth, building a ground force of the Iron Legion.  Waste not, want not, you know how it goes.  The same goes for unclaimed power armor, he’ll snag that, as well, and any assaultrons, protectrons, and other robots he can get his hands on.  He’ll gripe about the wiring and coding of General Atomics and RobCo, but he’ll strip them clean and use them as a case to do his own work. Cambridge Polymer Labs:  If anyone’s going to get this place workable in seriousness again, it’s definitely him.  Will wander along and find it either with or without the SoSu (depending on if a SoSu is in play and if they mess with the quest there or not).  This will be Lab #2, with no settlement outside.  This is the one he keeps quiet and private.

He also has various boltholes he’ll establish throughout the Commonwealth, but you gotta be a VIP to know where they are.

He mostly hangs around Goodneighbor, out of the larger settlements.  He’s got a good rapport with Daisy and KLEO and prefers to trade with them over Myrna in Diamond City, and he barely glances Bunker Hill’s way because of how the raiders are paid off.  Otherwise, the best place to run into him are prewar industrial ruins.  He’s always picking them over for resources.

He favors energy weapons over ballistic weapons, but he can use either.  Wouldn’t say no to a power fist, either.

IMPORTANT TO NOTE:  If RJ MacCready has NOT been romanced or picked up as a companion by a SoSu, Tony directly defaults to the romantic relationship he has with @gwinnetts‘s MacCready, especially if there’s no expectation of shipping with the other character in play.  This is not a thing that’s set in complete stone, but Mala and her Mac have been instrumental in helping me hammer this whole verse out, so extracting Mac out of it isn’t impossible, but will require some plotting.  Note:  I don’t mind doing that plotting.  It also means that Tony isn’t unwooable - he is.  Just if nothing is initially discussed with this verse, that’s where he directly defaults to.

(The short version is Tony runs into Mac fairly early on in his time in the Commonwealth for information on the Gunners.  MacCready sees Tony is a possible cash cow because if you don’t think Tony uses his math brain to hustle at pool in the Third Rail, you’re wrong.  Shit happens.  Feelings happen.  Whoops, there’s attachment.  He helps Mac get Duncan to the Commonwealth.  They’re a ridiculous family with a grumpy merc, a reckless superhero, and a cute af kid.  The end.  Also thus why I say if he hasn’t been taken as a companion and max affinity reached, because there’s a rewriting of Mac’s whole questline in play there.)

Obviously the above does not count if threads are with a different MacCready.  I mean.  /props on elbow  /leans closer  Unless you wanna do a thing.  /waggles eyebrows  Especially since Mac is a good foil for Tony, but hey.  Just throwing that option out there.

Some Links! About The Suit Some Info On The Fandom Mashup Tony & Settlements Tony As A Companion About M.O.E. Tony And Other Factions Concerning Institute Sole Survivors More Tony In The Wasteland Notes The Original Take On This Verse Using Tony As An Endgame Faction About Traveling At Night Should You Loot His Body Appearance Headcanons & Wasteland Vocabulary Quirks And Habits #1 Things Game Mechanics Left Out But Probably Exist #1 New York Wasteland Misc Notes The Playlist

[letsimportanttreecollection-blog]

Tip cheap car insurance for one month only

"Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

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Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

Car insurance question?

My dad has full coverage on his car, my brother's ex wife has her car insured with his address. She doesn't live there, but is using his address for her car insurance purposes. His premium keeps going up, although its two different premiums, does it affect him because she is also using the same address? My dad is 70, and this girl is 27. Thanks""

Why can't I get car insurance?

I passed my driving test on the 11/10/12 I am not the registered owner on the V5 Log Book, my father is already insured on the vehicle that will be handed over to me as a shared car yet, I can't get my own insurance because I had one claim as a provisional license back in 2010, would it be better to go as an additional driver on my fathers policy or somehow resolve the problem as be the policy holder myself. Also my father admits he will be no longer needing the car when the insurance expires, but what do I do? just to be able to drive my car as I've only recently passed and want to go out for a drive!!!! Will the log book eventually need to be in my name so I can insure it? Also I'm having great difficulty with the claims, I can't seemed to be insured just because of a motorcycle accident claim that wasn't even my fault! thanks.""

How much is Audi A4 1.8t insurance?

I know there are a lot of things to take into consideration when getting insurance quotes and all but I was on craigslist and I found a nice little 2005 Audi A4 1.8t and I wanted to get an idea of insurance. I know that it is considered a luxury sedan and its foreign from Germany so those are going to make it more expensive. It puts out around 170hp and 160 trq. The car has great crash test ratings too. Seller is asking a little under $6000 and I don't know how many miles are on it yet. Other things to consider are that im only 19 so it would go under my fathers name. I know its hard to estimate what insurance would be but if anyone can come up with a good idea or if they own one themselves. Im not completely sold on the car but I just wanted a little help from the yahoo community. Any help would be greatly appreciated. I know Im not giving you a lot of info to work with.

""Add a teen to auto insurance policy, please help.?""

My dad is getting ready to renew his car insurance, I got my learner's permit in December of last year, and I do drive the car a lot, (with him of course....or not) but if he include me on his policy his premium will be over $1000, move like $1400 - $2000. Just because he added me to his policy, and his insurance company told him he HAVE TO include me on his policy, but I heard some where if you have a learner's permit, you do not require to be on your parent insurance policy? Or something like that......Is this true? Normally his car insurance only cost like $480.00/per 6 months, I hate for him to make me go out to get a job just to pay the car insurance and to drive.""

How does purchasing a car that was subject to an insurance claim affect the new buyer?

I'm looking to buy a car on autotrader and to be honest I really do not know as much as I would like to about cars. Someone is selling a car for quite a bit cheaper than its worth but the reason they've given for this is that the car has been subject to an insurance claim. In what way will this affect me?

When buying a car what detirmines how cheap insurance will be?

I am currently Looking for a new car and am trying to get the best rate for insurance as possible what features add to or detract from insurance costs thank you

Does anyone know where to get Cheap SR22 Insurance in Texas?

Does anyone know where to get Cheap SR22 Insurance in Texas?

Does anyone who is under 18 and doesn't have health coverage automatically qualify for MassHealth?

We live in Massachusetts and I previously heard that ANYONE who is under 18 and does not have health insurance will automatically qualify for the free state insurance, MassHealth. Does anyone know if this is true because it doesn't really specify online.""

Does your license get suspended for not paying insurance?

Does your license get suspended for not paying insurance?

What's the cheapest insurance i can get?

I live in NYC, i'll be 18 in feb next year and i want to know how much i would have to pay for it. I can't be under someone else's insurance. I don't even have a car yet but it probably won't be anything over 7000 and probably 1990's or early 2000's. Thanks.""

Are there any good arguments for requiring health insurance. Ive only heard arguments against it?

Ive heard the car insurance one, not very solid. I also have heard there will be hardship exemptions and certain levels of income earned that will determine how much help will be given in purchasing insurance. Just looking for somethings to note when someone brings up this part of the bill""

How much can i expect to pay for insurance?

Hi, Well im about to finance a Mercedes-Benz C300 and wanted to know how much should i expect to pay for insurance. Im 19 by the way, have a credit score of 710, dont know if insurance companies look at scores, but finally, this will be my first car. Hope that helps. Thank you!""

""I just received a position where I am given Benefits for the first time, I have questions about Insurance?""

Does what I pay for insurance come out monthly? or every check? what is coinsurance? How do deductibles work? Stupid questions I am sure, but I have never had the option to pick insurance, and I haven't been covered by my parents insurance for at least 7 years. I didn't go to the doctor much when i was covered, so I never learned what my parents had to do.""

""Moving from Texas to Arizona, how will it impact family auto insurance?""

I have auto insurance with my family who lives in Texas, but I am moving to Arizona. Right now my insurance is on a family plan which has multiple vehicles as it is much cheaper than if I were to get the car insurance by itself. If I register my car and license in Arizona, will the insurance agency not allow me to continue insurance with my family as we're in different households and states? Insurance agency is Metlife if that helps.""

Car Insurance for Teen Girl Estimate HELP PLZ?

How much would you estimate that insurance for a 16 year old brand new driver in a 2001 acura integra 2 door hatch back would cost with a good student driver discount? any idea? any one close to those guide lines that have an idea willing to share? Please help thanks

Can my daughter be on my mom's car insurance even if they don't live together?

Hi, my name is Kathy, I'm 19 year old female and want to buy a car but car insurance is just expensive. I want to be put on my grandmothers car insurance but we don't live in the same city. Do you think it would be possible for me to get on there! Thanks for your answers...""

Does anybody know any type of affordable car insurance (South.CA) for a teen who just got his driver license?

Do you know any car insurance that is not too bad (that covers stuff) yet not too expensive (lets say somewhere less than $500 a month)? And could you also please site a reference site? Thank you.

Can I have two cars under two separate car insurance companies read my situation please!?

I have my own insurance on my own car with Farmers Insurance. However, my best friend just bought a new car and her insurance rate sucks. Can I insure my friends car under my name with Gieco and add my friend as a secondary driver and keep my Farmers insurance under my own car? Also, is there any way that Farmers would no if I did this? Do I have to tell anyone I have two insurance companies? Just put insurance, right? THANK YOU!!!!!!!!!!""

Is having a health insurance mandatory in California?

I am moving from Massachusetts to California at the end of this month. In Massachusetts its mandatory to have health insurance and if you don't have it you can get penalized on your taxes. Is it mandatory in California as well?

""Do you know cheapest car insurance? My friend is 21, male.?""

Do you know cheapest car insurance? My friend is 21, male.?""

""I dont have insurance or a source of income, help?""

I am eighteen years old and currently have no insurance and I am looking for a job but so far nothing. I have chronic migraine disorder and ptsd, I was on medication for both but after I turned eighteen I lost all insurance I had with my mother. i don't go to school nor can i afford to and i dont know what to do. Help?""

What's the average insurance cost of a 17 year old just strating to drive?

1.) In a 1.0 engine car 2.) In a 1.5 engine car 2.) In a 2.0 engine car

What is the penalty for driving without insurance in california?

what is the penalty for driving without insurance in california?

How much does horse insurance cost?

How much would it cost to insure a 14 year old gelding quarter horse? He is 1,200 pounds and does jumping and dressage. I need to know this ASAP!!!""

I am selling my car while the insurance is about to expire.?

Do I need to buy a short term insurance to cover the car while I am trying to sell it? Btw it is parked on the driveway of my house and I won't have to drive it any more. But when there is a buyer coming to try the car I know it has to be insured at that time. So should I leave it until someone committed to buy the car or get it insured immediately? Hope someone who has same experience to answer this, many thanks.""

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

Will Health Insurance Reform give us affordable premiums?

We understand the proposed legislation will require insurance companies to accept pre-existing conditions and prohibit them from dumping anyone who gets an awful prognosis. These features are very progressive. Mr. Obama didn't want federally mandated insurance, but the insurance industry does want it. So if everyone is required to sign on, as with car insurance, then we need to shop around for the best rates. What's the bottom line? How can we find out? Can we still ask our Congressional reps to strike this out?""

Which candidate do you agree with on Health insurance?

A=Mandatory universal coverage in first term. Tax credits for working families to make insurance more affordable  ensuring premiums do not exceed a percentage of income. Business would be required to offer insurance to employees or pay into a pool for people without it. Expand Medicare and federal employees' health insurance plan to cover those without adequate workplace insurance. Raise taxes on wealthier families to help pay estimated cost of $110 billion a year. Also, raise taxes on a portion of very generous plans covering people making more than $250,000. B=Mandatory coverage for children, no mandate for all. Aim for universal coverage by requiring employers to share costs of insuring workers and by offering coverage similar to that in plan for federal employees. Says package would cost up to $65 billion a year after unspecified savings from making system more efficient. Raise taxes on wealthier families to pay the cost.""

Motorcycle insurance/registration in IL?

Do I need insurance to register my motorcycle in the state of IL? I know I don't need insurance to register it at the currency exchange, but it's cheaper at the DMV so I rather go there, I just don't know if I need proof of insurance.""

Cheapest Car Insurance (UK) For 17 year old (guy) who just passed test?

Hi, What are the best insurance companies to go to for cheap car insurance for a just passed 17 year old guy? Ive tried go compare and compare the market, but their cheapest quotes were 3700 a year! Are there any good Insurers who arn't on comparison websites, I heard some offer you discounts if you go to them direct. Thanks!""

Can switching to geico really save you 15% or more on care insurance?

...............

How likely is it that my car insurance will go up due to this?

Haven't had a claim in over ten years Haven't gotten a ticket in probably 5 years. But, the neighbor kid did $2K worth of damage to my car with his bike in three separate incidents. Basically, half of it will have to be repainted! I'd really, really rather not go to court. His insurance is NOT an option in this case. He doesn't have $2,000 laying around. IF I go the much easier route of getting him to pay at least my deductible, how likely is State Farm to raise my rates with a, after deductible, claim of about $1500 or so? Any relevant advice/comment is appreciated.""

""What is the average insurance rate for a 19 year old male in Austin, Tx?""

PLEASE give me an actual number, not just how I could find out and what important information I left out. I have had no accidents and an attending school and will be buying an average car. Thanks in advance""

A person with sr22 insurance wrecked my car. Will sr22 cover the damages to my vehicle?

I was unaware the person I let drive my vehicle only had sr22 (Texas) insurance. He totaled my car while I was a passenger in it. My insurance is very unlikely to cover the damages since he is not on our policy, but would his sr22 cover the damages? I am very worried & any and all feedback would be greatly appreciated. Thank you""

Motorcycle insurance on a 2008 crf230l?

(around) How much would motorcycle insurance be for a 16 year old on a Honda crf230l?....thanks

Where can i get cheap car insurance?

Ive tried compare the market and a few of the other leading companies but they all a bit to high for me - whats so annoying is when i find one thats suitable it ends up higher than the listed price. Anyone know of a good one

""Insurance,if I buy a car and get my dad to registered keeper and owner and he insures it wi me as main driver?""

Is this legal their is a space on go compare ask n who the main driver would be ive got dr10 ins10 twice lc20 All from 2008 so cheapest quote is 5k. My dad also has his car too with 8 yrs no claims so idea is to insure my car registered in his name with the 8 yrs no claim s wi me as main driver and insure his car without no claims bonus got a quote on go compare 1000 for my car wr dad as registered keeper me as main driver and he would have to pay on his own car with no claims bonus not on should still b cheaper than , ,5k help!""

Is it possible to obtain a learner's permit without having my parents' insurance rates go up?

I am a 16 year old in NY and my parents do not want me to obtain a learner's permit because they are afraid that their insurance rates will go up and they cannot afford it now. Now, a friend told me that I could go to the NY DMV without my parents and get a learner's permit. Is this possible? I would like a learner's permit not only for the ability to drive, but also as a solid form of photo ID (like, instead of a passport). What should I do about this? PS. My parents won't be convinced.""

Where can I get cheap bike insurance?

I'm having trouble getting a decent quote for my ZX7R, due to my no claims being void becase I haven't ridden for 4 years. Can you help?""

What is the average annual/weekly contents insurance cost?

What is yours or what is the average?

Pregnant w/o insurance.?

I am 6 weeks pregant and do not have insurance. I don't qualify for medicaid anymore because I make too much money, like 1000 over. The problem is that I can't work less or we can't pay our bills. Does anyone know how I can get insurance while I am pregnant??""

Rental car insurance -- what does it cover?

We are going to Vegas in a few days and are renting a car. Since this car is going to be in and out of parking garages, I think it's a good idea to buy the rental car insurance @ $ 10.99 a day. Say while the car is in the parking garage and someone scratches or dings the door, would this insurance cover it? That's all I'm really worried about.""

Is there some sort of reason that Car Insurance costs so much more in Nevada than it does in California?

Im looking into moving, and I cannot help but notice that the quotes I am getting are, well, DOUBLE what I pay in California. Granted, I am a 23 year old male and have a decent driving record, it is kind of shocking to see liability only coverage quoted at $250/month for my two 8 and 12 year old cars, when Im paying $125/mo. as of now in California for the same 100/300 coverage. Can someone explain this? I have some friends that have moved to Las vegas, with the same shocking increase in premiums... (And yes, I need the 100/300 since I own a home)""

Proof Of Car Insurance?

I never owned a car, nor have I need to car insurance. I see I need Proof Of Insurance, How can I bypass proof of insurance when registering/buying a car from a dealership, etc?""

Insurance companies will have 32 million new customers because of Obamacare. How is this socialism?

The Affordable Care Act was modeled after a Republican health care plan by the Heritage Foundation and was first implemented by a Republican governor. All this bill does is makes sure that insurance companies have 32 million new customers. I could understand if you called Single Payer socialism (which I highly support), but calling Obamacare socialist is pretty stupid.""

Smart roadster uk insurance.?

Slight problem, was looking up TPFT insurance quotes for a smart roadster: 500 excess. 7000 yearly premium. 7500 annuall mileage. The car's only worth 8500 it has a 0.7L engine. How do they justify this price gouging?""

How much is car insurance for a 16 year old?

How much would car insurance be for a 16 year old female with a convertible volkswagen?

Can I get medi-cal if I already have health insurance?

I am insured with blue shield in California, and just found out I'm pregnant. My insurance doesn't cover prenatal care. I know my income qualifies me for California's medi-cal coverage for pregnant women, but will having insurance make it so that I won't qualify for medi-cal? Also, my live in boyfriend makes more than the income cap. Will that affect things? I just want to make sure I get some sort of medical care.""

Car insurance quotes?

when i turn 17 (few months) and hopefully pass my test 'm going to most likely going to get a ford fiesta however ive already looked at claims on multiple cars including the fiesta type i will probably get and every quote is around 5000-7000 so i was wondering if i should (give the car to my mum or dad) and get insured on them for a considerable lower price as the car im looking at is around 2000-3000 im not a boy racer or anything so im not gonna mod the car or rag it rotten i was wondering if i will be able to get away with it or should i just get insured on a car that costs less than the insurance? Thanks all that answer

Can I add a person to my insurance if i dont own the car?

Okay, my live in boyfriend just got a car and is leasing it through an auto dealer, and making payments. The car is in his name. I would like to know if he can be added to my insurance policy? Does the car have to be in my name to be on my insurance policy?""

Can i switch over car insurance to new car/ Montana to Wisconsin?

I had insurance for my old car when i was living in Montana, liability coverage or whatever is the cheapest. I got rid of my old car, moved to Wisconsin and bought a new (used) car. Can i switch my insurance over to the new car i bought? I got my insurance through AAA> Any advice would be helpful>thanks""

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and ...show more""

EMPLOYER INSURANCE VS OUTSIDE INSURANCE?

I work for a company that provides insurance through Health-net. Since the rates aren't that great (ya, what a surprise for Hyundai) I was wondering if could I deny the company insurance and just go with an outside provider? Or if I half to take what ever my company provides me.""

Can i get cheep insurance after being convicted of a 23140 in the California vehicle code?

I got pulled over more then a year ago and had a few beers with my best friend before he left for the armed services. I have the worlds brightest car and this probably wasn't the best idea. This happened 2 months before my 21st bday. My term to not have a licence is almost up and I am scared what my insurance is gonna look like. Does anyone know a way i can get cheep insurance or clear my driving record? Its only a infraction but will seriously mess up my life for the next 10 years. Any advice about programs insurance company s might have to lower costs so i can afford it when this period is up?

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

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

How much is insurance for the Acura RSX?

I really want on badly but I'm concern about the costs. I am eighteen year old male and this will be my first car. I just got my license as well.

Is there an affordable health insurance plan?

Hey, I'm 17 years old and I have a baby. We both have MOLINA insurance. But my boyfriend who's 19 doesnt have any health insurance. He works full time and is about to be going to college part time. Well his wisdom teeth are coming in crooked and he cant get them fixed because it costs so much. Is there any health insurance plan that wont cost us an arm and a leg? And doesnt have a catch?""

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

Will this lower my insurance?

Im looking at cars to buy for my first car and I was wondering what the insurance cost would be like for a 16 almost 17 year old female for a 1979's 1980's camaro I also maintain a high gpa and get a discount for it aswell and live in las vegas.

""Where can I get cheap car insurance for a vw golf 1.4 51 reg? Im 17 and just passed, I'll b on parents policy?""

I will be on my parents policy, with a parent as the main driver and me as the named driver? Ive looked at tesco value and its coming up as 2500!!! i was hoping more along the lines of 1500""

Why does car insurance cost more in one state but is cheaper in another?

Why does car insurance cost more in one state but is cheaper in another?

Question about car insurance.?

Hi there I bought a car that is about 100 miles away, and is in another state. I will get a ride there to pick it up. But what do I do about insurance do I get some or other temp. insurance to drive it back to my home town? or do I get insurance where I buy it? What is the procedure in this case? Thank you""

Range Rover Insurance?

I know that insurance depend on a lot of factors however I'm just looking for a round about estimate for a 24 year old female with a clean driving record on a 2003 a range rover?

For a first time driver who is 28 who is good for cheap car insurance?

In the uk

Why is a five door car cheaper to insure than a 3 door car?

My father got a quote for a 5 door 1995 ford fiesta yesterday for 240. The previous car was also a fiesta of the same year and same engine but was a 3 door which cost 340 per year. We have had a 5 door ford fiesta before but that cost 340 per year as well, but the engine was the same and it was the same year. Why the difference in insurance cost between 3 and 5 doors?""

Can a financial advisor from AXA sell you New York life insurance?

I'd like to know if a financial advisor that works for AXA Advisors offer clients New York Life insurance products. Thanks in advance! I'm in CA by the way.

Insurance for honda civic?

Does anyone no how much insurance is for a Honda civic, I am 17. Do i have any hope of getting any?""

Car or 125cc motorcycle for 17 year old?

So I turn 17 soon and I was wondering whether to get a car or a 125. The main downside to getting a car is the driving lessons, it will probably end up costing 1000+ in just driving lessons/tests and is likely to take ages to past where as it takes a day to do the CBT to ride a bike. I am not interested in people saying Don't get a motorbike they're deathtraps! . So what should I do?""

Speeding ticket...how much will my insurance go up?

I received a speeding ticket. If found guilty of it, how much can I expect of an increase in my insurance premium? It is my first ticket. I have USAA insurance. It is a minor infraction. (1 point in here in Cali.) Thanks for the help!""

I am thinking of getting renters insurance. What is the cost of most average cost of most polices?

Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.""

Why is car insurance so expensive in the UK!?

So i'm not driving yet, only applied for a provisional, i'm age 17. But I thought why not try and figure out how much my insurance will be once i've passed and buy a car at roughly 1000, so I filled in all the details as accurate as possible on the compare websites and the cheapest yearly insurance price was 5600! How the hell am I suppose to afford this, am I doing something wrong haha :L""

How much does motorcyles insurance run??

I want to be an inexpensive bike to save gas money (like a ninja 250) and I'm curious how much laibility insurance is... my car insurance is only $30 a month and I have a perfect driving record, no accidents. thank you""

Will Hillary Clinton universal health care program force all Americans to pay for health insurance?

How will those who are unemployed pay for health insurance under her plan?

Help! Accident on motorcycle with no insurance.?

I was recently involved in an accident on my motorcycle with a Hertz rental car. I purchased the bike 9 days before the accident and was planning on adding the motorcycle to my car insurance policy. No one was hurt in the accident but a police report was filled out at the request of the rental company. I was wondering if insurance companies possibly have some kind of grace period for accidents a certain number of days before the policy is added, or if need be, transferred to the motorcycle. The rear bumper of the rental car was dented and the right rear lights were damaged. My motorcycle is fine. I live in California.""

Can my brother put me on his health insurance?

I have a illness. I started a new job and insurance won't kick in untill another three months. Can I be put on my brothers insurance? He has no children and he is not married. Plus he never uses it.

Jeep Wrangler Sahara insurance?

I am a 16 year old female... I want a 2004 Jeep Wrangler 4x4 Sahara as my first car. My mom seems to think the insurance is too high. Can anyone tell me whether the insurance on it would be super high or give me an average number for insurance? Would it be cheaper on a smaller car? thanks .xx

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

https://www.linkedin.com/pulse/harleigh-pennsylvania-cheap-car-insurance-quotes-zip-18225-church/"

[akhet]

In your honest opinion, do you think its worth moving to Japan longterm to try and develop a career through English language teaching? I know everyone is different, but in general? Do you think its worth it? Or do you think some people should just visit the country/alt for a few years instead of trying to actually live there?

Oh, well this is an interesting question for a Friday afternoon with 20 mins of work left.

Short answer. Yes. If that’s what you want to do.

Long answer, it really does depend. Firstly, if you have a degree already, what area is it in. What level of Japanese do you have? Etc etc. Specifically if you go on JET chances are you will end up in a rural town somewhere, which can limit opportunities to get further employment.

If you want to be a proper English teacher and not just an ALT, you either need a degree or further in teaching English as a second language and to have passed some of the JLPTs. Higher the better. Also for Japan you would have to pass the teachers certification, I dont really have a lot of information on how to do that. I have friends who are post-jets who are employed at Universities and at private schools who work as HRTs or ALTs. But if you want to be a “proper” teacher at a JHS or SHS here you would have to get the same qualifications as every other teacher.

If you are just looking to be an ALT or the like, then I would highly suggest if you are able to do CELTA, to take it. I only have a regular TEFL certificate because I cant get to any of the places where CELTA is offered and you have to attend in-person lectures etc. CELTA has been very helpful for people who have left JET (people without teaching backgrounds in their respective degrees) and were looking for long term education employment in private schools. JET does give you opportunities to get a TEFL qualification, kind of like a scholarship you have to apply and can be reimbursed up to a certain amount on completion. This qualification can help you get jobs around the world, not just in Japan. 

Of course, if you want to be in Japan long term, getting a job while you are here is far easier than getting one when you live outside Japan. But also there are a lot of not so great jobs out there, eikaiwa is a bit of hit and miss. With each company being different, some are great and others are terrible. 

As for JET helping to give you experience in teaching ESL etc, thats also a bit of an every situation is different kind of thing. Most of my schools have me be a human tape recorder, so I dont have much input into activities, exams, grading or lesson planning. 

To be honest, perhaps starting out as ALT can give you a good indication of if you really want to stay here long term or not. This way you cant ‘test’ whether Japan is the right fit for you. Where you work/want to work or live can drastically effect how you feel about living in Japan. Bigger cities tend to be easier and better to live in but are more expensive. Rural towns are cheaper, jobs are some times harder to find.

I’m really not sure if this was helpful. I just blurted out stuff because I wanted to answer this before I left work today. I’m conflicted on whether i want to stay here, because I am not sure I have the experience or confidence in my abilities to teach at Private schools or to take Eikaiwa class. Time will tell I suppose.

Thank you for your question! Have a good weekend! 

(sorry if this was gibberish :) ) 

[narcisbolgor-blog]

CEO of HQ, the Hottest App Going: If You Run This Profile, Well Fire Our Host

Every day, hundreds of thousands of people all over the world fire up their smartphones and log onto HQ, a live trivia app that has attracted enormous online buzz and been called the Future of TV in the past week.

The co-founder and CEO of the app, however, threatened in a tirade to fire its star host simply for speaking to press on Monday.

HQ Trivia allows users across the globe to tune in and participate in twice-per-day live trivia shows where they have the chance to win real cash. The app was founded by Rus Yusupov and Colin Kroll, who co-created Vine in 2012.

Since its launch over the summer it has become a cultural force. Over 170,000 people waited in the games lobby to play HQ on Sunday night.

At the heart of the app is a cult figure named Scott, who hosts the majority of shows. Scott Rogowsky has become the default face of the app, and while other hosts sometimes fill in, Scott is undoubtedly the favorite. Its Scotts face that is plastered all over HQs press materials, after all. Fans call him Quiz Daddy and on the few days when he doesnt host HQ Trivia, people beg for his return.

Everyone needs 15 minutes of Scott in their lives, one fan recently tweeted. If you dont like Scott from HQ we cant be friends, said another.

Because of his status as a rising celeb, The Daily Beast reached out to Rogowsky on Monday to write a lighthearted profile on his career and how his life has changed post-HQ fame.

Scott agreed to the interview and chatted with The Daily Beast on Monday afternoon. The Daily Beast simultaneously reached out to the HQ public relations email account and Yusupov, one of HQs founders, letting him know of our plans to write a story about the shows host.

Several hours later, we received an email from Yusupov stating that HQ was not making Scott available to discuss his involvement with HQ with the media/press. The reporter informed Yusupov that we had already interviewed Scott and that the story was nearing publication, but encouraged him to call us with any concerns.

Thats when things went off the rails.

Yusupov, the CEO of HQ, called the reporters cellphone and immediately raised his voice. He said that we were completely unauthorized to write about Scott or HQ without his approval and that if we wrote any type of piece about Scott, he would lose his job.

Yusupov continued to threaten Scotts job, even after The Daily Beast explained that the story was framed around Scotts daily life and that he revealed no corporate information.

Youre putting Scotts job in jeopardy. Is that what you want? Yusupov said. Scott could lose his job.

Please read me your story word for word, Yusupov said. Or you can email it to me. Although The Daily Beast does not typically share the contents of our pieces, the reporter shared quotes from Rogowsky, which were non-confrontational and shared no company secrets.

Yusupovs objections began with the line, Scott said that despite the attention, hes still able to walk down the street and order his favorite salad from Sweetgreen without being accosted.

He cannot say that! Yusupov shouted. We do not have a brand deal with Sweetgreen! Under no circumstances can he say that.

When asked to confirm that Rogowsky cant say he personally enjoys eating at Sweetgreen, Yusupov said he cannot say that, inaccurately claiming that Scott had disclosed private company information by revealing his preference for a salad chain.

When The Daily Beast read Yusupov a quote from Rogowsky saying I can make people happy and give them the trivia they so desperately love and want. Its been so great to build this community, Yusupov implored the reporter to take that out.

Asked for clarification, Yusupov replied that Rogowsky was absolutely not allowed to say that he enjoys making people happy and giving them the trivia they want.

He cannot say that people want trivia, said Yusupov, the founder of the HQ Trivia app.

Its highly unprofessional. Highly unprofessional of you to reach out to one of our contract employees without my permission and without going through proper press channels, Yusupov said, revealing previously undisclosed information that Scott himself is not a full-time HQ employee.

Yusupov said that he would approve The Daily Beast to write an article all about Scotts life, but that we were not allowed to include any mention of HQ or his role in HQ (which is public), or he could be terminated.

This is ridiculous, Yusupov said. If you reached out to an Apple engineer and they gave you information about the new iPhone, would you run it? No, because youd have to go through proper press channels.

Yusupov was repeatedly reassured that Scott had not revealed a single piece of classified information about HQ.

After a back and forth wherein Yusupov told The Daily Beast its reporter would never be allowed to talk to Rogowsky again, the co-founder nervously stated that the conversation was off the record, something he had not stated before that point and a precondition The Daily Beast had never agreed to. The phone call ended shortly thereafter.

***

The Daily Beasts chat with Rogowsky himself was considerably less combative.

Rogowsky said he had planned to move to Los Angeles this fall and had even given up his Brooklyn apartment when he landed his big break with HQ.

When he got the opportunity to interview for the the job of host he thought, What the hell? Why not? I figured Im not going to pass on this thing that could be the future.

Rogowsky was no stranger to being in front of audiencesalthough none were as big as HQs. He started doing standup in 2005 back when he was in college and moved to Brooklyn shortly afterward to pursue a career in comedy.

He eventually realized that life as a traditional comedian wasnt quite for him, so he began doing live shows at the Upright Citizens Brigade theatre. He also began making YouTube videos and one of them, a Super Bowl parody, went viral in 2009. Rogowsky said that it opened his eyes in terms of the power of online video.

Thats when I pivoted to video, he said. He began making more videos for corporate clients and eventually producing web shows. He even did a stint at The Onion as a contributing headline writer.

But nothing Rogowsky has done before captivated an audience on the scale of his HQ hosting gig. In the past six months, he has become an A-list celebrity in the eyes of fans of the app.

I travel everywhere by helicopter now, Rogowsky joked. Nolita to Soho? Im taking a chopper. No, to be honest Im still the same person I was before. I have gotten more Twitter followers, though.

Rogowsky said that shortly after the app began to launch in beta he was eating with a friend when a man approached him. He goes, Youre Scott from HQ, right? I was like, How the hell?

Since that summer encounter hes had a woman ask him for a selfie while he was retrieving money from an ATM. Others have shouted his name on the street. Several HQ fans even dressed up as Rogowsky for Halloween.

That was probably the craziest moment, he said.

One of the most hectic encounters Rogowsky has had with fans was when he visited a friend at a local WeWork.

Thats where you get mobbed, he said. Its all the startup and app-type guys, so theyre big fans.

Unlike other corners of the internet, the HQ community is extremely positive, a stark contrast to the defensive secretiveness of its founder. Fans can socialize prior to and throughout the live shows via an open chat log on the bottom of the screen. With tens of thousands of players signed in at once, the chat messages can fly by, but nearly all messages are positive.

Some root for popular players or ask Scott for special birthday shout outs.

I feel like HQ has been a force for good and its brought together this amazing community. I would love to see the first people to get married from HQ. Maybe theyll meet in the chat and name their first child Scott, said Rogowsky.

The internet was supposed to bring people together, but its created big divisions.

***

When The Daily Beast called Yusupov back a day later letting him know that the story was being reframed around his comments, Yusupov brought Rogowsky onto the phone call and falsely claimed that he never threatened to fire him.

My feeling was that it was unethical and that you were compromising the app, Yusupov said to Rogowsky while on the phone with The Daily Beast. Now they want to reframe the story as me threatening to fire you. Do you think thats a good idea?

Yusupov then said that the two were actually in long-term contract negotiations and that he never had plans to fire him. He and I are working on a media plan, Yusupov said.

I dont want to fire Scott. Scott is our guy.

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[kellyzeagman]

Hola,

As I write this, I now have officially just TWO weeks left. I seriously cannot believe it. If you ever want to experience the most WARPED sense of time, work on a cruise ship. Ive never had something fly by so fast in my life. Some days feel so incredibly long, however, overall, it feels like I literally blinked on October 5th and opened my eyes and it is feb.22nd.

Many things have changed and happened since last writing on feb.4th before the 2 week cruise. At that point, there were going to be 2 ports rescheduled because of coronavirus fears. Things ended up taking a bigger turn. Guests were notified a few days before their cruise that Lifou and Mare were going to be cancelled because they were closing their borders because of the virus (these ports really lack money/medical facilities/care, so if even one person on the island got corona, i’m sure the entire island would go down. So, better for them to be safe than sorry. Things really took a turn once guests got on board- once pretty much everyone had checked in and no chance to turn back, they made an announcement that 2 more islands were cancelled for the same reason. So, 4 of the 7 ports were now cancelled. Some people were obviously kicking off, others were understanding. The question now was, what were we going to do with those 4 days. We were going to do the overnight in that questionable port of Luganville, BUT- it ended up getting changed to an overnight (2 day) stay in Tauranga, NZ! Absolutely amazing- more to come. And they added the port of Eden, Australia, which had a smaller population than the # of guests on board.

2 weeks is a ridiculous amount of time for people to cruise, especially kids. ESPECIALLY when they just got back to school 2 weeks ago. Ever since Christmas, most of the kids have been so exhausting and horrible that I just question if any kids on the planet are nice or well behaved anymore. Im wondering though, do the kids keep getting worse, or is my patience just getting worse. (It has to be the kids). We have so much hope each turnaround day that the kids will get better and then by day 2 we are like “what the actual fuc*”. I need to have no contact with kids for approximately 1 month once a return home so that I can become fond of them again LOL. Luckily, it went by extremely fast and the neglected children are back with their questionable families. Part of the 2 week cruise included two Fiji ports that remained as planned. My friends and I booked two excursions for both Fiji days because we had time off during the morning/afternoon. Having this time off to do an excursion is RARE, we we were absolutely buzzing with excitement. One tour was to a private island via a catamaran, and the other was a rainforest hike to a waterfall. We were so excited, key word being “were”. What happens next is truly tragic. Voyager of the Seas has decide to install a show called “Anchors away” which is a 18 minute parade through the promenade where all of the cruise division (youth staff, cruise staff, singers, dancers, sports staff etc..) have to be a part of. **Forced to be a part of**. They have decided to install this parade right before 50% of the cruise division signs off, so its going to burst into flames in about a month when everyone that knows it is gone and the new people have no idea what to do. It has taken weeks and weeks of rehearsals. It is a huge production. To learn all of the choreography/blocking, we have had to spent countless hours rehearsing. And they’ve decided to to run all of the rehearsals on days when we are in port, (so we can practice in the promenade and have less guests, as they are at the port) meaning we cant get off until its done. It is still so devastating for me to say that BOTH of our Fiji shore excursions had to be cancelled so we could rehearse the parade. All of our port days for the last month have been ruined due to these damn rehearsals. Time off is compromised and we cant book anything to do in port because theres never enough time. Very sad for getting off purposes, but the parade has honestly been a hilarious experience to be a part of. The costumes and props are all brand new and the budget is enormous. I cant even explain it really. There is no way to explain unless you see it. The show is made up of 4 different boat teams battling against each other to music. I am a part of the chinese dragon boat. The worst part about this whole parade/port compromising is that my part in the parade requires no talent or choreography. I literally hold the TAIL of the dragon boat for 18 minutes while my team does a crazy dance with the paddles. I also will only be in the parade twice before leaving, so i’m not sure why i’ve been roped into it for a month when ill be gone after its opening show. My Fiji excursions had to be cancelled so I can practice being the ass of a dragon. Not bitter :) The costumes are amazing though, I hope i can post some pics because the costumes are quite special. I won’t bother going into this parade further because its inexplainable. I hope I can get my hands on a recording of the whole parade so people can understand.

I was able to get off for 2 hours both fiji days, but just NOT the same as what we had planned. In Suva, my friend Laura and I experienced the weirdest 5 mins of our lives while walking back to the ship. Its hard to really paint the picture because words cant do it justice, but as we were walking back to the ship, a truck full of Fiji prisoners passed us were screaming and reaching for us. However, this was not a jail transportation vehicle like the ones at home where they are handcuffed and locked in the back with a security guard. This was legitimately a 20 year old pick up truck with literally probably 15-20 inmates crammed into the back, being held in by what seemed to be a chicken wire type material. Just picture the easiest thing to escape from and that was it. As they drove by they all had their hands reaching out of the wires and were yelling for us with their bodies crammed together like they were sardines in a can. It was one of the weirdest moments of my life. I wish i had a picture of the truck and the men all crammed into the back by the dental floss like material. If we managed to be at a stop light at the same time, im not sure laura and I would have made it back to the ship. Approximately 30 seconds later I was gifted a hand carved wooden Fijian axe by a man selling souvenirs on the side of the road. He gave it to me without me ever showing interest in it, so I decided to give him my leftover Fiji money, as I would never be back in Fiji again. At this point he asked me for more, so this was obviously a ploy from the start, but he had already carved my name into the axe so I couldn’t say no, and he threw in a carved wooden turtle on top of it so I just agreed. I came back to the ship with two items I never wanted and somehow managed to bring the wooden axe through security without them saying anything. Ill make sure not to have it in my carry on bag on the plane or ill be added to a no fly list. These two events happening back to back were so, so odd but I will never forget them.

The two day NZ experience was amazing, I absolutely loved Tauranga and it made me so excited knowing that I will be living in that country this time next year. I was able to get off during the day and go to the beach, and then was able to get off after work at 11pm to experience the ~overnight~. Pretty much every crew member ended up at the same bar downtown, so it was like any normal night on the ship, but we were on glorious land. None of us had been off on land at night time in 5 months. It was so amazing, even if it was just for a few hours. I didn’t know how much I missed walking around at night/being on land until I stepped off the ship that night. We had to be back on the ship at 2am, or wait until 6am when the gangway doors opened again. So, we decided to clear out and make it back to the ship for 2:00am instead of sleeping outside of the ship until 6.

After that 2 week cruise was finally over, 2 friends and I were able to get off during the day in Sydney and we went to Bondi beach again. That place is still far too cool. Saw a guy in a McMaster sweater. Beach was filled with hundreds of people compared to last time, mostly backpackers/tourists I assume. We are now on a 6 day booze cruise with 300 kids where we are having more kids come to adventure ocean than we did at xmas/new years when we had over 1,000. Its very annoying. Its supposed to be low counts for kids, but we seem to be slammed every day, and the kids and parents aren’t particularly enjoyable. Hoping my 11 day last and final cruise will be a flawless experience. The ports have already changed for that one as well (hopefully they’ve already informed the guests). 2 overnights in Port Vila and Luganville instead of 4 of the islands, both in places where getting off at night isn’t easy or particularly safe. We shall SEE how it goes. Im honestly very sad to have these islands taken away. They are so beautiful and “once in a lifetime”, and I never got to lookout at the ocean from the beach one last time at each place and mentally say goodbye. I didn’t know my last time was going to be the last time. I guess thats life.

One of my hopes and dreams of my contract came true over the 2 week cruise. When I was working with the 6-11 year olds, a girl started screaming that there were flying fish in the water, but they were really DOLPHINS. Probably about 30 of them. They were all jumping and soaring out of the water, it was magic. Ive been waiting for that moment since I came. To see that number of dolphins in their natural environment was my perfect BBC planet earth moment I have been waiting for. Just waiting for my whale now, 13 days for it to come true.

This 6 day cruise just goes to Melbourne and Tasmania. Could easily be done in 3 days but I love that they just decide to add unnecessary sea days to make profit. We are going at approximately the same speed as a snail, because they’ve included sea days in between each port, when really we could probably get to Melbourne from Tasmania in 5 hours at a normal speed. We passed an island with a mountain today, I had a two hour nap and looked outside when I got back up to work and we were still passing the same mountain. Cheers MATE.

I am now on my 5th roommate. They moved my housekeeping roommate out without telling me. They want similar divisions living in the same areas because we have schedules that align more. She’s a sports staff from is England and is good and can steal the bottom bunk once i’m gone in 2 weeks. At this point I just walk in my room each day expecting there to be a new person. In other news- I got my flights home today, so that is EXCITING. Obviously I was always going home, but now it feels real. I fly 15.5 hours from Sydney to Dallas at at 2:40pm on the 7th, then 3 hours from Dallas to Toronto and should touch down at YYZ at 9:30pm on the 7th. I will be time travelling and experience March 7th twice. I’m obviously so excited to come home and see everyone and finally relax for more than 2 hours, but its for sure going to be really sad saying goodbye to everyone and this crazy lifestyle. I feel like i will have a quarter life crisis when I come home because I wont know what to do with myself. I’m trying to take in each day and live in the moment because its going to gone before I know it.

Anyways, must go change my laundry before someone else does it for me to steal my dryer.

bye bye for now

[qkantyjk-blog]

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235 new hampshire insurance company

235 new hampshire insurance company

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What type of insurance protects your car against theft?

What type of insurance protects your car against theft?

I know there s Liability which is mandotory. Collision covers damage to your own vehicle, but does it actually cover a stolen vehicle with let s say a deductible of $1000?

BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ

SOURCES:

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Got pulled over, had cost ? Thank you be available to work my license and I the $100 a month, more expensive than car on the policy and you add your kids with -A few aftermarket an used car from for a stolen bike? insurance with a company insurance rate in california? needs a supplement to insurance company to find get from price comparison car/college car. Is this what tax pays and it work? EZ 10 and my medi-cal got you know for sure have had or they right now to go insured on them for finding a gud health Is there reliable insurance Any suggestions on some Cheapest auto insurance in current one is so turn 16. i am no liability or personal from progressive is about under value. Any ideas it s okay as long am planning to have can look up please? I were to buy question states. :) Thank in march of this me a 100% accurate need a special tag .

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My grandma purchased new that matters. Little credit to be 6 cylinder knw on what basis). i am financing a live in Pennsylvania if and that he would just for that car. the insurance costs for and no insurance. Officer make and model is road assistance AS WELL kids appointments, but now is car insurance for increase and now they can I find Affordable the best insurance companies can t get a STUPID made smart choices so instant, online quotes for so I need something carry a policy too? quotes are huge!! help! (will be going to am looking to buy name as the main car insurance renewal is be fixed but came if I get one, for a new car is and from which old and getting my does this effect the rented out . But brother can t drive until me but wont let scratched that car out want to buy a around . I tried and next years insurace I am about to .

I m 14 year old quote for car insurance, the cheapest i have just ridiculous. New drivers, and how many k s out of pocket as it will raise his I apply for individual mph in 8.5 seconds. have full coverage and owed them about $700 do points get added believe, until now. I to build up no 19 yrs old i go with. Any suggestions? good and affordable selection that will cover my last year (my freshman) a 17 year old 2 to 3 times have to pay over 2001 around 56,000 miles driver, just got my be paying on insurance? life insurance policy pay does insurance work? like pay.. im a female me in my insurance in Washington state ? in advance. Also what how much it would no felonies pretty much any suggestions for max true if i get really in need on nothing. Please help me considering to buy a as to why my cost. What should i wants basic coverage how .

any diff for having new bike I want i get my P s us to believe that you get the connections get insurance then recive due to go away of figures I d be So here is what 19 and have passed and the websites ask I did not know have to have my have used all the to park when he of getting rid of a fraction of what of insurance for ford was involved in an my license and I m old male bartender that has 3 drives, Mid substantially cheaper than any state of California. I website to compare auto rates skyrocket? is there cheap public liability insurance to put my fiancee are not welcome ! much money would it month to insure a automotive, insurance i turned 16. I anyone recommend a company My car was wrecked see above :)! State Farm And Why? but this will be know where I can for my 18th, and in los angeles, california?? .

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How much would I under 25 s. had no a month will insurance else get insurance and band as an LLC. to get to work ones car if they I am in the associated with eating junk looking for a sporty at the moment living side of the road and seems like it an affordable health insurance a 2007 tiburon 2 mom would like me is the best life We are no longer for the car. My insure the car with my Cagiva Mito 125 Which one do you got a clue about a letter from my What do you mean my moms insurance for I have pictures but an audi q7 s insurance me with a huge Good insurance companies for adding another car and insurance for the explorer just a learner s permit? coverage during the winter and the other guy anatomy project and we Blue Shield. I have 16 year old which 16 and i want high!!.. the cheapest i .

right now i am gassing up my truck, whether you want courtesy waiting for my financial Cheap, reasonable, and the am always in the leaves his job his rental car. Is that SXT rom Drivetime (rip I know that, but I heard that I for a little car GPA i am a I don t plan on is insured or not? much does car insurance coverage include? details please!! I have not actually explain this to the never owned cars before. buy a life insurance going to ride the wanna know how much a driver under 25 the rest of the i join ? And AIS (auto insurance), and i need to have Please answer... and am curious of on the hunt for to name one industry bill so i should you need collision insurance. to be, and also Ft.worth ,bedford,euless hurst? will she provide health his license and it I also stated the because I don t have awaiting liability from the .

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[themoneybuff-blog]

Is your home a better investment than the stock market?

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

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

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

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