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wocfics · 4 years

Text

Broken Record 3

Part 3

Arranged Marriage Series

Masterlist

MYG x Poc Reader

Warnings: Angst, Fluff, THE SMUT IS NOW HERE. (Tongue technology activated)

Word Count: 6k

You had been walking on eggshells the past couple of months around Yoongi. Since you had been in such high spirits lately, you got a little too excited to bring Yoongi an Americano to his home studio and without thinking, it slipped from your hands and landed all over his equipment, causing his very expensive recording table to short circuit and die out. He was lucky he saved everything onto his laptop but shouted at you when it happened. You’d never heard someone’s voice so loud before, let alone his. You both knew it was an accident but when he yelled ‘GET THE FUCK OUT!’ at the top of his lungs, you froze up and quickly ran out of the studio with tears in your eyes.

Your mood was up and down since then. Trying to do things to cheer him up like make his favorite foods or replace the sheet masks you used up the month before that were his but he didn’t mind you taking them.

Now sitting in the living room on your couch with your laptop on your lap, you looked up different recording tables, chewing on your bottom lip until you came across one identical to the one he had and looked at the price. Holy shit! It was definitely worth replacement since you were the one who screwed it all up so you purchased it without thinking twice and typed in all of your information and even got a protection plan on it as well.

There weren’t many words exchanged between the two of you, only one of you saying if you were heading out or what you wanted to eat. He didn’t even hug you anymore and you were starting to get a little depressed from the lack of skin ship that you were getting used to. You kept to your side of the bed and often wondered if he even liked you anymore. You were bigger than he was, maybe you could start on that diet you saw some girls doing a couple of weeks ago. Or maybe head to the nearest plastic surgeon to get a few pounds lifted off of you.

Sitting behind the counter of your music shop, dressed in ripped jeans and a black button up blouse, you looked down at your phone when it buzzed, notifying you that you received a new email. Glancing around the store, it was empty for now, you looked over the email and saw that the recording table was delivered and mentally cursed at yourself. You wanted it to be a surprise for Yoongi and today was his day off. Hopefully he wasn’t home by the time you got there so you could set it up for him. You quickly sent him a text, seeing if he was home. He read it and the three little bubbles that showed he was typing came into view before he simply sent a thumbs down emoji.

After helping a few people in the store and ringing up their items, you closed the register and the store before heading home and kicking your shoes off by the door after seeing the boxes outside of it. You pulled everything in and down to the studio, taking off your blouse and putting it on the back of the computer chair, leaving you in a tank top. You pulled up your hair and began opening the boxes and reading the instructions on how to put everything together. This was gonna take a while.

The front door opened and Yoongi walked in, seeing your shoes on the side, he kicked off his slides and looked around for you but didn’t seem to find you until he heard something moving around and thud down in the studio. Sighing heavily to himself, he took a deep breath before heading down, wondering what it is that you had broken now. He was looking for a replacement for his table but the last one was sold out days ago and he didn’t know when the same one would be available. He knows you didn’t ruin it all on purpose so he took the day to spend time with Hobi, talking over the situation and wondering what to do. He had to apologize for sure, not wanting to make you upset given your vulnerable state. It was wrong to ignore you all this time and he could see that you were trying to make it up to him.

When he opened the studio door and saw you plugging in something, the boxes across the room, he blinked a few times before clearing his throat. You turned around, standing up quickly and fixing your hair.

“Um, hi...uh, I-I wanted to clean everything up first before you got back but I found you a new recording table. It’s the exact same one and I set it up by myself, I even got a warranty on it and everything. I also got a smaller table to go on the side just in case I do ever bring you another coffee so it won’t spill all over your com-” You were cut off by his lips pressing into yours. It was nice for him to finally kiss you. You had tried to kiss him before but he kept saying he wasn’t ready and you weren’t one to pressure anyone. They felt right against your pouty ones, molding together, one hand on your waist and the other one on the back of your neck. Your hands were gripping the front of his shirt, your lips chasing after his when he pulled away and looked down at you.

You stared up at him, waiting for him to say anything. “I’ve been looking for two days for this table, trying to figure out why it was unavailable. Thank you..Y/N. You didn’t have to buy this for me.” He moved his hands to cup your face, rubbing his thumbs over the apples of your cheeks before pressing another kiss into your lips. He was going to end up kissing you silly at this point. “I’m sorry for ruining the last one.” You finally spoke, your body felt like pudding under his touch. His black hair was pulled away from his eyes and he couldn’t help the gummy smile that appeared on his face. “I should be apologizing to you. I was an asshole for yelling at you the way I did. I never meant to hurt your feelings, especially with everything going on with you.” He wrapped his arms around you, kissing your head in the process.

“Are you hungry?” You asked after helping with clearing out the boxes and taking them to the front door. Yoongi handed you your shirt and you took it, draping it over your shoulder. He nodded. “We can wait. I need a shower first.” He pulled his shirt over his head while walking into the bedroom and tossing it into the dirty laundry bin. You made your way into the kitchen, prepping some steaks and setting them in a bowl to marinate in the fridge.

You’re well aware that you haven’t had sex in a very long time and you haven’t with Yoongi yet. Neither of you made a move on each other just yet and you wondered why he wasn’t trying to. Part of you figured it was because of how you looked and another part of you wondered if maybe he was seeing someone else, even before the two of you got married. You didn’t want to speak on it but at least he kissed you right? It was a start anyways. Did he find you attractive? He never complimented any of your outfits or your hair for that matter. Maybe he was just busy and tired.

You sat on the edge of your shared bed, waiting for him to come out of the bathroom so that you could jump in before starting on dinner. Once the shower turned off, you watched him walk out of the bathroom with a towel around his waist and water dripping from his hair. You could tell he was gaining some muscle weight but you said nothing. Often, you’d catch yourself staring too long like you were right now, blinking and looking away. “I’ll be right out to get started on dinner.” You passed by him and into the bathroom. You hopped into the shower, sighing heavily as the hot water hit your skin. Yoongi chuckled to himself in the bedroom before changing into his pajamas.

It was a long time coming for Yoongi to just even kiss you. You had been “married” for six months although you couldn’t blame him, jumping right into someone’s life without knowing anything about them was sudden on both ends. Every part of you wanted this to work with him, you were still figuring each other out after all.

Not wanting to spend too much time in the shower, you washed and did your skincare routine before heading into the bedroom. You could hear music from the kitchen and figured Yoongi plugged up his phone to the home speaker, playing some slow jams while you finished getting ready, opting for the blue silk pajama shorts and matching tank top.

Once your hair was clipped up, you headed into the kitchen to take everything from the fridge, glancing over at Yoongi who was now sitting at the island, pouring wine into two glasses.

“What’s for dinner?” He asked, grabbing one of the glasses and taking a sip from it, smacking his lips together and glancing up at you. You missed his eyes scanning over your body while you grabbed various pots and pans.

“Steak, mashed potatoes with gravy, asparagus and I made a cheesecake yesterday with a mango drizzle.” You spoke while heating up the pan and looking over at him. “What? Is there something on my face?” You lightly touched your face and dropped your hands when you saw him laughing and shaking his hand while walking over to you with the other glass of wine in his hand for you. You grabbed it, thanking him and took a sip before raising your eyebrows.

“It’s nothing you just...it’s nothing. I like the pajamas.”

He moved next to you, deciding to help with cooking. This night was going to be interesting.

Two bottles of wine later, you sat at the table with him, talking about the many customers you got on a daily basis while he told you about filming the Run BTS episodes.

“There’s always this really cute couple that comes in and since I have a little cafe they get black coffee with two scoops of sugar and always request jazz. They dance and always leave a big tip and it’s the cutest thing ever.”

Your entire face was hot from the wine getting to you but you weren’t drunk by any means. Yoongi’s cheeks were red but by now he was just eating at the last bits of his slice of cheesecake while you spoke.

“Maybe we’ll be like that someday. When our kids are moved out and we stay in the city and Min Holly will be old with us too.”

Your eyes were low while you stared at him. He really wanted children with you? Maybe you were doing something right after all. “Our kids will be cute. I hope they look like you.” You confessed, finishing the rest of the wine in your glass and standing up from your seat, stretching and yawning. “They’ll look like both of us. You’re beautiful Y/N, don’t forget that.” He put the dishes in the sink, grabbing your hand afterwards and turning to pull you into your bedroom after turning out the lights.

“Yoongi...I’m sorry for breaking your recording table, I know with everything going on with me that I have these manic episodes and I get so overly excited that sometimes I don’t realize that the good that I think I’m doing might be something bad-”

“It’s okay. I know you didn’t mean it and I shouldn’t have yelled. It was an accident and it’s fixed now. Everything’s saved on my computer anyways so it’s okay.”

You both brushed your teeth and you left Yoongi to do his skincare routine.

Taking down your hair, you walked over to your dresser and put your clip away, listening to Yoongi pull the blanket back on the bed and sit down on the edge of it. Although he had worked earlier in the day, finishing up some touches on his new album, he was exhausted. Everything was finalized and he wanted to release it tonight and have a Vlive with you tomorrow.

Putting on your black satin bonnet, you turned out the light and crawled into bed next to him, facing the ceiling. He let out a loud sigh and glanced over at you. “My album release is tomorrow. If you’re not bust later, I’d like to do a Vlive with you later on and have a few drinks.” He grabbed your hand under the blanket and intertwined his fingers with yours, rubbing his thumbs against the top of your hand. You nodded, chewing on your bottom lip and looking at him. “I’d love that. I’m excited to hear it. I’ve only heard little beats but I know it’s gonna be great.”

You both turned towards each other and he pulled you closer to him, putting your leg over his hip before leaning in to give you a quick kiss on the lips. You couldn’t help but lean in, capturing his lips again and resting your hand on the back of his neck. His tongue snaked between your lips, causing you to moan into his mouth as his wet appendage tangled with yours. His one hand resting against your leg, moved up and around to grip your ass, kneading the soft flesh. Pulling you on top of him, you panicked for a second, ready to move off of him but he held you there, pulling away front our lips to look at you. “I don’t break that easily. It’s okay.” His hands holding onto your hips and moving your now wet clothed core against the tent in his pants. Leaning back down to kiss him, you moved your lips down to his neck, careful not to leave any lingering marks since he was going live tomorrow.

Lifting his shirt over his head, you kissed his chest, licking one of his nipples which made him tense up a little before looking down at you as you stared at him through your lashes. Sliding down further, his hands slipping away from your body, you took off your bonnet and kissed down his stomach until you got to his shorts, nipping at his hips before looking up at him. “Let me take care of you.” You whispered. He groaned in response and lifted his hips to remove his shorts, his cock standing at full attention now that you were eye to eye with it.

His member was perfect in every way, not too long and not too wide and the small bead of precum dripping from the tip made your mouth water for it to be inside of your mouth. Gripping it in your hand, you swiped your thumb over the tip, spreading the precum over the rest of his cock before licking one stripe from the base to the tip, earning a deep groan from him before you wrapped your lips around him and closed your eyes.

His hand immediately went to your hair and kept it out of your face as he looked down at you. Deep brown eyes staring right back into his eyes as you looked up at him before closing your eyes once more and began to suck on his tip, setting an even pace as you slowly took more and more of him into your mouth.

Taking all of him into your mouth until your forehead was now touching his lower stomach, you heard him sigh heavily and grip your hair a little tighter. His tip hitting the back of your throat as you began moving your head up and down.

“Fuck, Y/N..” He growled, his head falling back into the pillow as his hands began to move your head up and down on his dick faster, his hips thrusting slightly into your mouth, making you moan. The vibrations from your throat shooting into his cock and making him moan from the feeling. You hand moved down to cup his balls, massaging them in your hand as he used both of his hands to thrust up into your mouth quickly, saliva dripping down from your mouth and the lewd sounds coming from him abusing your throat as well as the quiet gagging coming from you had you pressing your thighs together together.

“That’s it baby, just like that...fuck, you like that?”

He stared down at you, loving his view of tears spilling over your cheeks as you continued your ministrations, pushing your head down and swallowing all of his length before coming back up and swirling your tongue over the tip, him gasping in the process.

“I like when you fuck my throat..” You licked your lips before going back to swallowing his cock again, letting him fuck into your throat as he tossed his head back. It was sloppy the way your saliva was dripping down your chin and onto the bed as his thrusting became faster and sloppier, his breath catching in his throat. “I’m gonna cum, fuck, your mouth feels so good.” He grunted. Cupping his balls again, you squeezed and massaged them again, his breath catching in his throat before he grunted loudly as his release came, coating the back of your throat in his seed, your lips suctioning onto him and swallowing every bit of him as he stilled and moaned over and over until it became to much and he lifted your head off of him.

Sitting up, you licked your lips and shifted slightly since there was now a wetness between your legs from how turned on you got from him. Kissing up his stomach, you kissed him before looking down at him. “Better?” You asked and he smiled that beautiful gummy smile at you before turning over on top of you and kissing you again.

He kissed your neck, lifting up your shirt and paused when his alarm went off on his phone for him to release his album. He sighed heavily and pecked your lips before moving off of you and grabbing his phone, typing a few things and pressing a few buttons before smiling at his screen.

It was good that he was distracted, you got up from the bed which caused him to turn to you. “Where are you going?” He asked. You pointed to the bathroom and disappeared behind the door, cleaning yourself up before returning to the room where he laid on the bed, his phone on the nightstand and his eyes closed.

Laying back down, you turned your back towards him in which he turned on his side and pulled you closer, kissing your shoulder and sighing. You wanted it to be about him, but something inside you wanted to continue things more in the bedroom with him, this was the first time you were even this intimate with each other but you were happy that he was able to let you make him feel good. You were used to giving pleasure anyways but at least you could do it for someone you were now married to.

💮

Coming home late was exhausting, especially when Yoongi knew he had to be up early the following day but for some reason, he still had some energy left. Practice finished early so he figured he'd ask Jin to help him out with something afterwards. It was hard for him to be the romantic type, with not having that many relationships after becoming an idol. He figured Jin was the most charismatic and had a good eye for jewelry.

You were laying across the bed in pajama pants and a bralette, scrolling through your phone while Holly laid at the foot of the bed asleep from the walk you two went on after you came home from getting your hair braided in town. Yoongi walked into the kitchen, getting a cup of water and heating up his food that you left for him.

While his food was heating up, he walked into the bedroom and cleared his throat, you looking over your shoulder at him before sitting up and smiling. “How was practice?” You grabbed the giant shirt from the bed and quickly slipped it on before standing up, causing Holly to jump off the bed and walk past Yoongi into the living room, probably wanting more sleep.

“It was good. Come in the kitchen, I wanna show you something...I like the braids.” He grabbed your hand, pulling you along with him into the kitchen. He took his food from the microwave and sat it at the island. You took a seat, your eyes moving to look up at him as he came to stand between your legs and kiss you, cupping your cheeks. You can taste the bitterness of coffee that he had throughout the day and he tasted the mint flavored toothpaste. He pulled away, and sat down to start eating his dinner.

“How was Holly? Did you open the store today?” He asked, biting into the giant piece of broccoli.

“He was fine, we went for a walk. Yes and no, I opened it for a few hours before closing to go to my hair appointment since it was a bit of a drive.” You moved the box braid that was falling in your face to the side and watched him while he nodded and devoured his food. You passed him his water and he hummed before digging into his pocket and turning to face you.

“Give me your left hand.” He placed the box on the counter and you gasped, staring at it and then staring at him before quickly giving him your freshly manicured hand. He opened the box which revealed a black diamond ring with white diamond throughout the band, illuminating the darkness of the ring. “I wanna make sure this fits.” He took it out and slid it onto your ring finger.

How smooth of him. You loved the way it was sparkling in the kitchen light, smiling at it before looking at him and leaning over to kiss him. “I love it. It’s beautiful.” You mumbled against his lips before pulling away and looking down at the rock on your finger again. “Just like you, Y/N. I want you to know that. When you’re upset or even happy, I want you to know that you’re beautiful. I’m not very good at this whole romantic thing but I want to try with you and to let you know that I’m here.” He drank more of his water before kissing the back of your hand.

Your heart skipped a beat at his words, fluttering at his confession to always be there for you. That’s all you’ve ever wanted from anyone. It may not have worked out the way you pictured it but you were thankful for him, especially over the past couple of months you spent with him.

“Go in the room, I’m gonna clean up and shower and I’ll meet you.” Standing from his seat, he grabbed his plate and cup and went to the sink to clean them. You walked back into the room, rubbing over the ring while sitting on the edge of the bed. This was real and he really loved you. He might not have said it yet but you could feel it.

He was it for you. You had your issues and he had his, but he put his aside to help you with yours and for that, you couldn’t have been more thankful. Dealing with your Bipolar Disorder alone was the toughest obstacle in life you ever had to face and now, someone was willing to help you through it and let you know that they were there for you. You want to get help, especially if the first five years of you two being married worked out. You wanted to give him children one day but you wanted to be stable first. You owed it to yourself and now to Yoongi, who has been calm with you even if he does get frustrated with your moods sometimes.

He walked into the bathroom while you made up the bed and looked over yourself in the full length mirror. Turning your body from side to side. You were making progress with your weight, you definitely made sure you weren’t gaining another pound more. You had a great shape, but the extra weight made you a little insecure sometimes. You had a few tattoos here and there all over your body which Yoongi did point out that he liked.

You didn’t realize how long you were staring in the mirror until Yoongi walked back into the room with a pair of boxers on, staring at you from his side of the bed. “Y/N, what are you doing?” He plugged up his phone to charge while waiting for you to answer.

Turning from the mirror, you shook your head and climbed into bed next to him. “I was just…” You chewed on your lower lip for a second, causing him to tsk and lean over to place a soft kiss against your lips. “You look fine. I told you to stop that.” He was referring to you staring too hard at yourself in the mirror. He caught you doing it a few times and after a while he had to speak up about it.

“I can’t help it. I’m trying.” You huffed and turned to turn off the light. Climbing under the blankets after tying your braids up and laying down. Yoongi joins you and presses his face into the back of your neck, pressing small kisses to your skin. You closed your eyes at the feeling, his lips moving to the side of your neck. His hands moved up and down your waist, sliding down to grip your thigh.

“Look at me.” He whispered.

You turned around slowly, your eyes meeting his. He brushed his thumb over your bottom lip and connected your lips together. Slowly rolling on top of you to settle his lower body between your legs, he parted your lips with his tongue, a groan leaving both of you. The kiss went from sweet to hunger, your body heating up and our hips bucking when he moved his hips into yours. Your hands resting on his shoulders, your fingernails raking through his wheat colored hair.

His lips moved along your jaw, neck and chest, moving down until he sucked one nipple into his mouth, his thumb and index pulling and pinching the other. Your breathing picked up, groaning as he circled your nipple with his tongue before doing the same with the other until he was moving his lips across your stomach. He pulled off both your pajama bottoms and panties, tossing them on the floor along with the blanket. Your eyes shot open when he kissed between your thighs, the panic setting in before you closed your legs, his head moving up before you crushed him with your thighs.

He glared at you, taking hold of your knees and forcing your legs apart. “Keep them open, baby…” He kisses the inside of your thigh again and it shoots right to your throbbing pussy.

“You don’t have to-holy fuck.” You moaned as he licked up from your entrance to your clit, chuckling at your reaction.

“Realx, this is my specialty. Let me take you on a trip, jagiya.” His tongue circled your clit while you glanced down at him. Your hands now hold onto the sheets since the blanket was thrown off the bed. You thank the heavens your door was closed, knowing Holly would just run in and ruin everything by climbing onto the bed.

Yoongi wrapped his arms around your thighs, making sure they stayed open as he buried his face in you, prodding his tongue inside of you and going back to suckling on your bundle of nerves.

You tossed your head back, your back arching as sweet moans fell from your lips, hands moving to grip his hair, not too tight but enough for him to moan, the vibrations going straight to your core and aiding in getting you closer to your peak.

“So sweet, my sweet jagiya...dripping for me...you taste so good baby.” He fucked you with his tongue, his thumb moving to rub circles over your clit. Your eyes rolled back, hips rolling into his mouth.

“I’m gonna cum...please please please…”

Your grip on his hair became a little tighter which made him work harder. He rubbed two fingers against your pussy lips, coating them in your essence before sliding them inside of you and wrapping his lips around the sensitive bud, flicking his tongue against while his fingers curved inside of you, pumping fast while he kept his cat-like eyes on you, groaning every time your walls clenched around his fingers.

Your legs trembled, begging him to keep going until you snapped and went still as your orgasm washed over you, causing you to lose sight for a few seconds as he removed his fingers and continued to lick up the mess you made, his tongue still moving inside of you and over your sensitive and swollen clit. His one hand keeping your legs open.

Kissing back up your body he waited for you to come down from your high before kissing you, letting you taste yourself on his lips. He quickly pulled down his boxers, pulling away from you to turn you around.

“On your knees baby…” He rubbed his hands over your hips as you got onto your knees, resting on your elbows. He dick, hard and ready, sliding through your folds to make it easier for him to slide into you.

Lining himself up at your entrance, he slowly pulled you back on his length, licking his lips as your hole swallowed every single inch of him.

“Please fuck me…” You begged, already pushing your hips back and bringing them forward. He growled, gripping your hips harder and set a moderate pace, thrusting his hips into you, pushing your legs further apart. He spread your ass cheeks apart, breathing heavily as he watched where you were connected.

“You gonna cum again, huh? Gonna make a big mess for me?” He snapped his hips harder into you. Your eyes squeezed shut, your walls tightening around him as he pushed deeper into you. You buried your face into the mattress, moaning and whining as you got thrust forward and pulled back.

He picked up speed, pistoning his hips into you, causing you both to let out incoherent noises, his nails digging into your soft flesh.

“Fuck...I’m gonna cum...you’re so fucking tight.” He groaned.

Your legs trembled once more, the tight feeling in your stomach coming back as you lifted your head up and grunted into your arms that were folded in front of you. Feeling your orgasm hit you for the second time, you felt your legs collapsing on you, trying to find the strength to hold on as Yoongi’s hips stuttered until he released, coating your walls. He pulled out, kissing the middle of your back and watching as his seed slid down your thighs. He pressed a kiss to your ass cheek before getting off the bed and disappearing into the bathroom.

You laid down on your stomach, gasping when you felt him press a warm cloth to your sensitive area to wipe you up, he cleaned your inner thighs as well before taking the cloth back into the bathroom and coming back to join you on the bed. He picked up the blanket and put it around you both, pulling you onto his chest.

“We’ll change the sheets tomorrow.” He breathed, kissing your forehead and tilting your chin up to kiss you.

You sighed against his lips, caressing the side of his face. It felt perfect with him. You know you weren’t perfect and you didn’t try to be, but with Yoongi, it felt perfect.

💮

“Look at that thing, it’s beautiful!” Jungkook’s wife gasped, holding your hand up and stared at the onyx diamond sitting on it. “It’s so pretty and classy.” She looked at you with a big smile. “I really like it. I can’t believe we all got rings that are the same color as their mics.” You looked down at her purple ring, smiling.

She put a finger up to your lips and nodded towards Namjoon’s wife who was holding her baby. “Namjoon didn’t get her one yet...maybe we should ask the boys to help him?” She asked and you nodded.

“I can smell the tension between them. Everyone can. Hobi and his wife said they heard them arguing a few times since they live next to each other. How can they argue when they have that sweet little baby?” She said. You just listened and nodded, watching Joon’s wife play with her daughter, smiling and talking to her.

You wanted that one day. “Are you guys thinking about having one?” She asked. You looked at her and smiled. “Not right now, maybe later on down the road.” You applied more lip gloss your lips.

“Same here. Kookie and I are still pretty young so we’re gonna wait too. With comebacks and concerts, plus he just wants to enjoy his video games for now.” She chuckled until she felt Jungkook scoop her up from behind and carry her over to the shoot.

Yoongi took your lip gloss from you and put it in his pocket. “Anymore and your lips are gonna look like they’re melting off. What were you two talking about?” He asked, grabbing your hand and pulling you over to the photo set. “Babies. About how we’re gonna wait to have one, she said so too. Oh, Yoongi?” You lowered your voice.

He raised his eyebrows at you. You looked around before moving closer to him. “You should talk to Namjoon. Moon (Joon’s wife’s nickname) is the only one without a ring and Star (Hobi’s wife) said her and Hoseok can hear them arguing. Maybe you can help him out?” You asked.

He nodded and kissed the back of your hand. “I’ll talk to him soon. I talked to him a few days ago but maybe me and Hobi’s advice hasn’t kicked in yet.”

After the shoot, everyone decided to have dinner together before parting ways. You returned home, Holly back at Yoongi’s brother’s house for the week. You yawned and turned around to Yoongi, placing your arms around his neck. He buries his face into your neck and sighs heavily. “I’m sleepy. Can we sleep?” He asked. You kissed the side of his head and giggled. “I’m sleepy too. Come on, let’s get some sleep.” It’s your turn to kiss the back of his hand before walking into the room with him.

After you both shower and change into pajamas, you cuddle up to him and run your fingers through his hair. “I start my therapy soon. I found a really nice lady in the city.” You spoke softly, him turning his head to look down at you on his chest. “You want me to go with you?” He asked, rubbing your back under your tank top.

“Only if you want to, I don’t wanna keep you from work but I’ll be okay.”

“I’m coming with you.” He spoke up. You smiled and looked up at him.

“Okay...thank you.” You punished up to kiss him and tugged on his lower lip. He sighed and turned over on top of you.

He nipped at your bottom lip and kissed you again. “Look at what you started. Now it’s gonna be a long night for the both of us.”

You smirked up at him and bit your lip.

“It’s a good thing you have no work tomorrow.”

“But the V Live..”

#arranged marriage #BTS suga #bts imagines #bts smut #min yoongi #bts yoongi #yoongi fanfic #yoongi imagine #bts poc #bts x reader #bts x poc reader #bts x poc #bts x black reader #ambw #bts ambw #kpop poc #pockpop #btspoc #pocxbts

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balwantmaurya · 3 years

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3) Maintenance saves time

In most cases, the maintenance time is much shorter than the set time, you will be surprised. You can perform repairs while you wait, although it may take some time to purchase and prepare new repairs. After discussing laptop options, data plans, and data connections, it took at least an hour to get the device up and running. If you are not on the equipment for a long time, the repair method is suitable for you.

4) Better usability

Did you know that even if the finger is cut, 23% of people can still tolerate a broken screen? People often misjudge the cost of laptop repairs and use defective equipment for much longer than necessary. Think about how repairs can help you get back to using your laptop, instead of enduring a broken screen or quickly draining the battery.

How they get damaged

The way of failure is as practical and useful as laptops, but they are prone to accidents, such as sudden drops and splashes. If your device fails, the device you dream of can quickly become a nightmare. If you do not have laptop insurance, your money will be used to repair or replace damaged equipment. Laptops are fragile and delicate small devices, but most accidents can be avoided. You only need to understand the general reason.

Some of the common damages

Broken Display

Water Damage

Damaged Battery

Broken Power Button / Home Button

Broken Speaker

Wi-fi Damage

Damaged Motherboard

How to get your laptop repaired

Laptop Display Repair

We offer one of the fastest Laptop LCD screen repair or replacement services. You can bring your system to us, and our team would start the repairing job to complete the task on time. We have developed the expertise to fix the LCD screens within an hour.

We do not charge any surprise services costs. We will check your system in front of you and give you an estimated quotation for the entire job. If you are satisfied with our quote, you can sign the agreement. We will start with the repair job immediately. We do offer a warranty on our LCD screen replacement service. We will assist you and help you to protect the repaired screen without any hassle. We are giving a 1-year warranty to the customers who get the LCD screen repaired from us.

Laptop Water Damage Repair

We are often able to repair a water-damaged laptop on the same day. Our laptop water damage repair services are carried out by professional, experienced engineers, who understand that liquid damage problems can be a disaster.

If you’re panicking about a late project, lost data, or not having anything to entertain the kids with on a rainy day, don’t worry. we are here to help you. We believe in quality work. Here, you will find transparency in our laptop water damage service from beginning to end and we are proud of it. we ensure high-quality water damage service work with low charges. Each laptop liquid damage we undertake is personal, professional, and fast, with our team specializing in water damage service. Our team will utilize their years of experience to identify the issues.

Laptop Battery Repair

Laptop Battery not charging faced with the problems of power off due to the short battery life? Don’t worry we are here for your help, we replace the battery of your laptop instead of buying a new one. We provide a 100% money back guarantee to our service. When the problem occurs, with your charger plugged in, you will notice that the battery is not charging, and hovering over the battery icon in the system tray indicates "plugged in, not supported", come to us.

Especially relevant in laptop repairs and computer service. Committed on-time delivery always and 100% satisfaction. it may be a small issue or chip level critical problem, even if it’s a dead condition, we make it working at laptop service.

Laptop Power Button Repair

We are well equipped and capable of undertaking any laptop related jobs. Most of the time, we can repair faults in your laptop within 3 hours after it reaches our service center.

We definitely use 100% genuine spare parts for any laptop repairs. All our laptop repairs are backed by a warranty. So you can rest assured about the quality of repairs and spares used.

So next time when your beloved laptop is dead or does not start, just give us a call for an estimate or visit our nearest service center. We also provide a free pickup drop service for all laptop repairs. Just give us a call on our Helpline No: 09999844944 or place a pickup request, we will get your device picked up and delivered back to you after repairs.

Laptop Speaker Repair

A laptop with a faulty speaker makes it feel like a strange device. This requires an immediate speaker repair or replacement. Are you looking for a laptop speaker repair in our service center?

If you decide to go to the specialists in laptop repair to get a speaker replacement, the laptop service center is a prime destination for you. Bring your laptop to us and get outstanding laptop speaker service in your area, offered by professionals. We are well-organized with outstanding services for speaker replacement for all models of laptops. We are dedicated to assisting you in fixing problems with speakers in laptops by providing a quick fix for the fault.

Laptop Wi-fi Repair

In case your laptop requires to be collected for repair , we will collect your laptop as part of our service offering. Our technical team will keep you updated on the progress of your laptop. Laptop services are provided by highly trained engineers and certified technicians with many years of servicing experience.

We have created a guide for all our esteemed customers which everyone can refer to as a step-by-step guide to fix such issues. If you are still unable to fix your Wi-fi connectivity issues then the experts are always there for you. Got frustrated with busted internet connection? No internet connection because of dropped wireless signal? Showing strong wireless signals but still cannot connect to the Internet? Contact us for the best, quickest, and most reliable technical support and get your internet connection in no time.

Laptop Motherboard Repair

We are a chip-level service provider in India. We repair all types of motherboards including desktop motherboards. Come with your Laptop to our workshop and our engineer will give you the best possible solution. Don’t practice with the laptop motherboard it may lead to the permanent death of your laptop. Better you choose us without tempering any component and we shall attend your all laptop issues.

Why to choose us

1.EXPERTISE

We have a team of tech-savvy professionals who always go a mile extra to offer you the best. Our products go through multiple quality checks under the critical supervision of certified tech experts, before they reach you.

2.TOP NOTCH SERVICES

Our customer centric approach makes us stand apart from the league. We believe in nurturing our association with every client through a customized methodology and best in class services.

3.VISION

Making technology affordable for all. Since our inception, we have been working consistently around this idea of making technology affordable and accessible for all. A smart laptop can empower you to be in sync with the digital world, and are a platform that backs you!

4.DoorStep Repair

We offer free doorstep pickup and drop services.We do not charge any hidden cost.

You can visit us at

https://www.yaantra.com/

https://repair.yaantra.com/laptop/acer-laptop-repair

#laptop repair #acer laptop repair

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Is it possible to buy a car insurance without owning a car, and then use it for renting a car?

"Is it possible to buy a car insurance without owning a car, and then use it for renting a car?

I live in India and frequently travel to USA. And when I go rent a car, pay almost double the rental because I have to buy all the coverage. I was wondering if it is possible for me (or my company) to buy some sort of protection policy, using which I can rent the car and not have to buy insurance from them.

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

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United States

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The world of car insurance?

the idea that dropping the price of car insurance for men a small amount and increasing the female amount a huge hike has nothing to do with gender that's the con it's the absolute greed of government and big business hand in hand raking in a fortune as they did when changing the s p to the criminal decimal currency? the question is why do we Joe public put up with this crap

A renewal company for home insurance?

We've had three claims in 12 years with our insurance company and the company has put us in nonrenewal mode....is there an online company that will handle our insurance... home insurance....?

Should a person without children get life insurance?

Is life insurance important to a person without children? Could they just save enough in life to pay for the funeral costs and other expenses. I can see reasons like you have a disabled spouse, but in general do you think it is necessary or just a useless expense.""

Who has the best auto insurance?

from a price, service, quality perspective""

Cheaper on insurance 1980 lincoln or a 1995 blazer?

i have a 1980 lincoln mark VI it has a 351 (5.8 liter engine) and a 1995 chevy blazer im 16 and im trying to decide which one to drive they both get the same gas mialage about cause the blazer is an suv so im deciding which would be cheaper on insurance for a 16 year old i think the blazer but im sure hoping not cause the lincolns prettier lol

How's insurance for an old model Lexus SC300 or SC400 (1990-1995)?

I'm 17 and getting my first car. Im a good student. Ive picked out either a Lexus SC 300 or 400 around 1992ish. I like the car but I just want to know if insurance would be very costly for eiher of these, considering it is luxury. I know insurance for cars like the Nissan 300zx is really ridiculous. How would this insurance compare? And please, dont recommend other cars to me because I have already decided on one of these, just give me an idea of insurance costs. Thanks""

""Looking for a good car insurance agency but not too expensive, any advise ?""

Hi, i have been with allstate for over ten years for my car insurance but recently i just got a newer car and it sky-rocked and im looking for a better rate, if anyone would recommend some i would appreciate it so i can get some good rates to look at and compare, I don't know why it went up so high because i have had no tickets or accidents in fifteen years but they say they have not made any mistakes with it. Thanks for the advise Deb :)""

How much would insurance be?

my step dad is putting me on his insurance, he has a 2006 dodge caravan.. how much would it be for me ( a 17yr old girl) to get put on as an occasional driver?""

Whe will liberals admit the affordable health care act has made health care and health insurance?

More expensive already?

How much does minimum cover motorcycle insurance cost monthly in California if your 19 years of age?

Car insurance after customization?

If I put a body kit, new wheels, etc... onto my car will it affect insurance? Do I need to let them know? Before? What about the warranty, I have bumper to bumper warranty.""

Accidently put wrong date of birth by 3 months on my car insurance?

Iv just accepted a quote online for car insurance without realizing my date of birth is wrong by 3 months, if i tell them to change this should it change the price of my insurance?""

My car is registered in wisconsin how can I get insurance in california?

My mother bought me a car in wisconsin and i live in california, but the car is still registered in her name in WI. how do i get insurance coverage without having to register the car in my name? is it possible?""

Where is the best place to buy cheaper home insurance for the over 50s?

What is the cheapest car insurance if you have bad credit and low income?

What to do if you can't afford car insurance

Can I go under my mum's fiance's car insurance?

I currently live in Glasgow and have one year left of college (after this one) before my family moves to England, due to my my mums fiance/my little sisters dad working down there. Once we move down there I will be doing my driving tests. So my question is would it be possible for me to be put under his car insurance policy even though we are not directly related and my mum has not married him yet? I will be living with him, working for him and he will be putting me through my lessons and also helping to support me as I continue my education down there (if i need support).""

How much is one months car insurance on average?

Driving a slightly older car (87 Tbird), newer driver; no faults fines or tickets. Resident of BC.""

How much would the insurance on my car be?

I'm 18. I just got my car. and I just got my license. and I have a 2001 Hyndai. I live if Fort Myers FL... How much would it be on my own? and How much could it be under my brother in laws name that has had his license for 5 years?

Who understands health insurances? please help?

Okay so im 22 and have no health insurance, i just started working, and at this company they offer health insurance for full time positions only and well i am part time. I have had swollen tonsils since i was fourteen and been hospitalized twice because it was so bad that literally both tonsils were smashed together (i know gross) well i guess the question is, i want to try to get a health insurance that will minimize extremely the cost of getting these suckers removed. I dont understand all the deductible talk. So which insurance do you think is affordable and might be the one for me and my need? Please any advice and suggestions will be appreciated. Its a constant pain to go to the doctors and just come out with antibiotics which i guess take the pain but im not lying when i say that they are everyday permanently swollen. Please and Thank you.""

Is it possible to buy a car insurance without owning a car, and then use it for renting a car?

What are some cheap auto insurance companies in florida for teenage drivers?

I am 17 years old. I currently have liberty mutual insurance with my parents for $5,901 annualy (about $550 per month for three cars). Is there any cheap car insurance?""

How can I prevent this girl from completely taking advantage of my insurance company?

A few nights ago I accidentally brushed the side of my neighbor's car with my front bumper (cause she was parked like an idiot as usual). I'm taking full responsibility of it cause it's my fault and I have no problem with that. Initially I was going to pay for the scrape to be compounded out and whatever else was wrong as a result of me hitting it. However, when I spoke to her, she started pointing out a ridiculous amount of things: there's a scratch in addition to the scrape (ok, sure), she says I cracked her light (maybe I did, it's possible) but she's also saying that I caused her tire to pop out and that there's tread missing from it (which makes absolutely no sense because I didn't hit the tire or rim or wheel well at all). Basically, she expects a whole new paint job and a set of tires which is ridiculous for the small amount of damage that was done. I want to make sure she isn't trying to take advantage of my insurance company and cause my rates to skyrocket as a result. The car is a complete piece of sh*t and she doesn't take care of it at all - the paint's dull, the rims are rusted - and I think she's trying to fix these things by making it like they were a result of me hitting her. I have no problem at all taking responsibility for the damage I did, but I do have a problem with her making things up and trying to fix other issues through my insurance company. The last claims representative I spoke with told me that I would not be contacted by the adjuster at all since there is no damage to my car. Since she's going to be talking with the adjuster and I won't, I'm afraid she's going to exaggerate the amount of damage. Should I call my insurance company and tell them this? Will they care? What can I do?""

Insurance help???!?!?!?

right, im a 17 year old male who passed my test in may 2010, however i now have enough money for a cheap car and insurance, but why is it so expensive?? cheapest i have found is like 4k so please if anyone can help what is the best cars to get cheap insurance, i have tried putting myself as a second driver but is still really expensive, i need some help where is the best place, what is the price you have? i just need helpp!!!! pleeasssee""

Trying to repeal the Healthcare law which is good for the American people the only thing republicans hope?

Trying to repeal the Healthcare law which is good for the American people the only thing republicans hope will put them back into the White House?

Car insurance and car note?

OK, I'm nineteen. I've been saving up for my first car. But the thing is, I have to pay insurance, and a car note on my own. My mother became homeless, and my father I do not know. My godparents took me in, and they can't afford to add me on their insurance. So, being that I have a part time job at McDonald's, and go to college, It seems as if I have no way of affording a car and insurance. I haven't checked the rates of insurance, but I do understand that they are high for teenage males, and always vary on the type of car you have. I don't want anything fancy, a four door car that gets me from A to B. Is there anyway I can afford this? Please and thanks!""

What is the best health insurance in california?

sould i go with the one that has deductible, and what it turns out that i have a cancer , m'i gonna be covered. i've been having this buzzing ear ( left) for few months and now i get dizzy when i look up and i started to feel oressure in my head and light headache. my emplyer's insurance start in 2 months and i need to be checked now, and i don't qualifie for medi cal any suggestion , advice?? thanks""

Which is cheaper for a 16 year old Car insurance or Motorcycle insurance?

Im thinking about getting either a car or a motorcycle it all depends on the insurance cost.

Health insurance?

how much does health insurance cost?

How Much is insurance on a fox body mustang?

I really want a fox body mustang and i want to see how much it would cost. It will be my first car and i really want to know before i go car shopping.

What auto insurance companies DON'T use a credit score when deciding rates?

I'm against the practice of using credit scores (i.e. insurance scores) to decide auto insurance rates. Does anyone know of a company in the U.S. that doesn't use the practice?

No Insurance!?

No Insurance!? How much do you think a tooth will cost to be pulled?

""Can I get a refund of life insurance premiums I paid? I set up a $100,000.00 life insurance policy?

August 2009. Monthly premiums were deducted automatically from my checking account. recently I had to change my checking account number because someone got access to my banking info. and made unauthorized deductions. This in turn caused my monthly insurance premiums from getting paid. The insurance Co. requested a substantial fee to reinstate my policy I cannot afford this fee can I get a refund of premiums paid and cancell the policy?

How much does an ER vist cost w/ no insurance?

I went to the ER the other day. I was there for a few hours and only have an IV. I dont have insurance...how much do you think this will cost?

Will my speeding Ticket affect my insurance rates?

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

How much do you pay for car insurance?

how old are you? what company you with? what car you drive? are you the only driver under this insurance?

What the best insurance company that affordable to get for a new car?

looking for car insurance?

Where can I find super cheap auto insurance?

I just want something to cover me legally. I don't need any advice on why I should not get crap insurance, I literally would just like to know where to get great rates. I found ...show more""

Which cheap car insurance companies send the documantetion by Email only?

NOT by post, by EMAIL only""

Car Insurance?

Is it normal for a car insurance company to send a questioner to it's clients who had an accident? They asked the same questions I told them on the phone and I had to get the form notarized to send in with my answers. They we're asking what time, where it happened, who was I with, did I ever file a claim before, and the last two pages had to do with fraud.""

Do out of state residents need California SR22 insurance if they dont go back to California?

I am a permanent resident of AZ and have an AZ drivers license. While visiting California I had a DUI. I settled out of court but an insurance broker wants to sell me a California policy. Do I need California SR22 insurance if I don't plan to return to California? Is there any benefit?

Question about my Geico Car Insurance?

I've just registered my car for Geico car insurance today. On my confirmation statement it said that my insurance will be activated on March 15th, 2012. About 45 minutes away from now. Will I be able to drive my car at midnight? I want to be sure I'm completely safe. Thanks.""

What happens if to my insurance if i get married?

My parents pay for my insurance and ill have it till I'm 19 if I get married would I no longer have insurance?

Car Accident and Insurance?

On 7/24 I was at a Dairy Queen drive thru the person behind me hit the truck I was driving. I was looking at her in the rear view mirror the entire time. She had a cigarette hanging from her mouth that was unlit and she eventually backed up after hitting me. I got out of the truck and looked and I did not see any damage. She then said I didn't move you hit me I then told her No I did not hit you I am in front of you and this truck was never in reverse. Since there was no damage to the truck I did not bother getting any of her information since it was not my fault. On 7/27 I got a call from the police saying she told them I hit her. I gave them my side of the story and they said she had a witness who was a passenger in her car and they will be in touch. I also let them know I had a witness as well. The cop called me back yesterday and wanted to get my insurance information so her and I could exchange information. My question is do I have to give my insurance information to this cop? I did not hit this woman and I think she is trying to get one over on the insurance company. The cop said yesterday I'm surprised the truck does not have any damage because her car does have damage. This truck was a rental truck which was inspected at the time it was dropped back off at the rental company obviously there was no damage to it. This woman looked like she was on something to begin with and I'm guessing she was not paying attention probably looking for a lighter and let off the break and hit me. Which I still don't see how her car would be so damaged. I don't want this con artist having my information. So should I tell the cop I am not giving him my insurance information and tell her to take it to court? Should I get a lawyer? I'm not sure what to do I am 29 years old and I have never been in a accident so I am not sure how to go about this but I know this woman is trying to pull a fast one and I am not going to sit back and let it happen.

Does anyone know where I can find auto insurance to cover car parts?

I need new tires and brakes, and rather than paying for them I want to get insurance so all I'll have to pay is the deductible. Please help. Thanks.""

How much is car insurance on a new 911 gt2 Porsche?

I am a 25 year old who recently became very successful in the automotive industry and I decided I wanted to get a Porsche. Now i know about how much it is to keep a Porsche maintained because i have worked on them but i am not sure on the insurance. Please help anyway you can. And for the record i am not getting a quote from any website because i do not feel comfortable giving away personal information to an insurance company before i decide to use them.

Is it possible to buy a car insurance without owning a car, and then use it for renting a car?

https://www.linkedin.com/pulse/i-wrecked-my-car-wasnt-fault-want-totaled-insurance-company-chavez/"

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bestdigitalmarketingsolution · 3 years

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Types of iPhone Screen Cracks That Need A Quick Repair

Let’s face it – we’ve all done it at least once! You lose control of the device for just a moment, and it drops to the ground. In a best-case scenario, you pick up the device and find out that it has developed a few scratches, but nothing alarming. But, we are here for the worst-case scenario. What should you do when the iPhone screen cracks? In this post, we’d discuss some of the different types of iPhone screen damages which need expert iPhone screen repairs in Milton Keynes.

Is your iPhone screen crack fixable?

The best way to find out if your iPhone screen is repairable is to know the different types of screen cracks that phone repair centres usually come across. It would help you figure out what kind of repair store you should approach for the fix. So, without further ado, let’s get started!

The spotted screen: In this, the damage to the display looks like an oil slick. Whether you pressed the display too hard while gaming or possibly leaned on the device too hard with it being in your pocket, either of these may lead to a spotted screen. Over time, the problem may increase, and thus, you should opt for iPhone screen repairs in Milton Keynes for a quick screen replacement.

The broken edges: Sometimes, only the corners may seem to have been damaged. Find out if it’s just a glass break. If so, the display would work just fine. You can either get the glass replaced or apply a screen protector on top, to make it work as a temporary solution. However, in case it is just superficial damage, and you plan on using the device in its vulnerable form, make sure you do not expose it to too much heat or moisture, else the internal components may malfunction.

Age spots: Sometimes, the display may develop long pink lines. These are called age spots. Like in human beings, continued usage of devices may lead to this issue. While Samsung phones are more susceptible to these, very few iPhone users have reported seeing age spots. However, we did notice pink lines on some old iPhone X models. As the LCD ages, such a display degradation is pretty common. Luckily, a quick screen replacement is all it takes to get the device up and running again.

The bleeder: Has the LCD of the device turned black in a few places? There’s a good chance the iPhone fell down a few flights of stairs or from a height. Over time, the damage would bleed into the other areas of the display and render it unusable. It will completely stop responding to your touch. If left unchecked, the problem may worsen. Thus, opting for quick and reliable iPhone screen repairs in Milton Keynes makes sense.

Screen webbing: Of all the problems we’ve discussed, the screen looks the most beat-up when there’s a broken webbing on the display. That said, though it looks worse than all other forms of screen damages, the damage here is mostly minimal. In fact, the touch screen would work, though the phone would be unusable. As a temporary arrangement, you can use a screen protector on top to protect your face and fingers, but it’s best to get the screen replaced.

Key Takeaway

Screen damages can be nasty and complex. Yet, over the years, Mr Fix has created a niche for itself. It is by far one of the best places for iPhone screen repairs in Milton Keynes. The place offers hassle-free screen replacements in under 30 minutes and even offers a 12-month warranty on the repair. Get in touch with them for a guaranteed and quality iPhone screen repair.

#iPhone screen repairs in Milton Keynes

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knightavery · 4 years

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does homeowners insurance cover ac replacement

BEST ANSWER: Try this site where you can compare quotes from different companies :quotesdeal.net

does homeowners insurance cover ac replacement

does homeowners insurance cover ac replacement cost of the vehicle. However, many insurance companies won’t compensate for an accidental loss of use to a vehicle. Some insurance companies will reimburse the cost of an owner vehicle that isn’t in use anymore and doesn’t have liability coverage. The insurance industry has found out just how costly an accident can be if the person responsible for it doesn’t have enough protection. For example, insurance experts recommend speaking with a veteran or veteran’s insurance agent to establish better limits and more affordable coverage. If they think a policy will only provide basic coverage for the owner vehicle, they should consider buying insurance to protect their auto from theft, fire, vandalism, windstorm and hurricane. The owner auto insurance company you choose will be charged with determining your rates. Insurance companies offer a range of discounts and special coverages for their customers. Among the discounts we mentioned are discounts for those who take a defensive driving course. There are also incentives: the company will also provide more discounts. does homeowners insurance cover ac replacement costs for property that was damaged. If not, you may pay for the entire cost out of pocket when you are paying your renters insurance premium for the year. To check your local laws, your state requires that all renters insurance policy holders carry renters insurance. Please note though that this only applies to property damage sustained as a result of an accident. If it’s a new residence, such as a condo or apartment, renters insurance will not cover anything more than damage to your personal belongings for at least a designated period of time. If you live in an area prone to damage from natural disasters, a policy typically does not cover flood damage. This is because you’ll pay out-of-pocket to repair your personal belongings. In addition to flood damage, if you live in an area that’s at risk for flooding, renters insurance can help to ensure that your home stays protected from natural disaster. To see how you are covered, contact the National Association of Insurance Commissioners at 8. does homeowners insurance cover ac replacement items from an auto store? A. Yes. Many insurance policies specifically exclude replacement items, including those used for repairs. It’s a good idea to know the specific policy before you apply, as you could find out something about the damage to your new car or other items after an accident. A great example of this is a car you’re working on. If your car isn’t working, a tow truck driver will have to pull the car off the lot. The tow truck driver’s vehicle might be insured by your insurance provider, which will give the tow truck driver peace of mind. However, you wouldn t get the car by taking the road to a dealership so you can get it back from the dealership. If you’re in an accident during this time, your car insurance coverage is in effect until a day or two before the due date. Any car with at least a three-year insurance policy is considered “unsafe.” It.

Types of Homeowners Insurance Policies

Types of Homeowners Insurance Policies are based on various factors. The policy amount, size and age of any unit, the level of coverage in use, any specific type of home, the level of coverage offered and even of which coverage is required and even on a wide range of policies. Homeowners insurance is only a convenient option for a small number of owners who live in a town or city that is prone to significant property crimes. The cost of housing an additional complex of personal belongings under the name of homeowners insurance is also relatively low. In the past few years, however, many residents have become inundated with insurance claims. Insurers have been forced to drop the homeowners insurance portion of homeowners’ policies, which is a great thing for the local residents who want to keep their homes safe. The cost to repair or replace these possessions is also high. Therefore, when it comes to the costs of having a separate insurance policy that covers personal property, the number of claims filed against the homeowners should certainly be considered. On the other.

What does home insurance specifically cover?

What does home insurance specifically cover? What’s the best home insurance for you? If you’d like us to help you along the way, send us an email at , or call us at 770-842-8683. Yes. The average rate under this umbrella is $1,900. That’s the average annual rate of the home insurance policy. If my home is damaged by a natural disaster, will it be covered with home insurance? If your home has been damaged by a natural disaster, we can help you determine that you are covered under your policy. It is a good idea to shop around for the best home insurance rates. Your location matters. For example, if they have a beachfront location on the ground, can’t they get some water out of the ground, or should my home be covered for the value, and if I get hit by a deer, would I be covered for the value, and would I receive compensation for what I did to.

Home warranties are not the same as homeowners insurance

Home warranties are not the same as homeowners insurance. They are governed by local and state laws. That is why we work with multiple insurance companies for even the best deals. Not only do we represent several companies to give you the best value for your policy price, but we also take pride in representing our clients when they need assistance with many of the most sensitive issues. The good news is that when it comes to homeowners insurance, everyone has access to a variety of policies to suit a particular needs. They are all listed in table above. However, you may be required to disclose any medical conditions that would make them unable to agree to any of these exclusions. If you have a qualifying life event and you’re planning to make your home insurance payments, you’ll need to find an affordable home insurance policy. If you’re planning to purchase home insurance with an agent, let Us Assist you by using the Free Quotacy tool. We have a wide variety of quotes for both the lowest home insurance premium in a.

Does homeowners insurance cover window air conditioning units?

Does homeowners insurance cover window air conditioning units? Does homeowners insurance cover damages due to water on homes? The truth is it may not always be covered by insurance for homeowners insurance claims, as the above information is only a starting point to provide some background information. Home insurance policies only cover damages to objects other than your home. Such as the flooring, roof, or hoses, however, aren’t typically covered; that’s to say. Your lender might not only require them of you for your mortgage, but they should also cover your belongings in the event of a catastrophe. If your home is broken into, you could be screwed with $8,000 in damage to your home. What are some reasons why someone might need insurance for their home? According to the Insurance Information Institute, the majority of people who own their home are homeowners who own the property for their own benefit. While many factors can alter your insurance quote, not all of them are the same. The only way to know for sure if you’re.

Insurance tips for your home, apartment, or condo

Insurance tips for your home, apartment, or condo coverage: If youâre in a high-risk location or youâre paying higher prices for car insurance, it can be best to wait out some variation of this coverage. Your personal auto insurance might not include personal injury protection, which comes in the amount for which youâre at fault for an auto accident, and could also exclude you from your local or national auto insurance. If youâre at high risk and donât have to report a claim, you may qualify for a credit-based policy, which combines the car insurance deductible of your credit card with your monthly premium. Itâs more expensive the way most insurers determine premiums based on personal factors like your age, marital status, credit score, marital status and location. If youâre uninsured and wonât be covering for someone with below-average credit.

When doesn’t homeowners insurance cover the HVAC system?

When doesn’t homeowners insurance cover the HVAC system? We know that it s not usually available as an option in most homes, but when it is and it does, it can be done. In some cases, home insurance for a roof plan will not cover the heating system. In this case, a roof plan might save money, but it might not protect you in case of a storm. In general, homeowners insurance for roofs are offered through the homeowners insurance carrier. Although there is no insurance provision regarding roof coverage or the heating system, they do have an exception: A home security purchase is generally not covered in a homeowners insurance policy until a year or two after its coverage is effective. This might be one of the reasons why some home insurance policies for roof insurance are offered by major insurance companies such as Nationwide, GEICO, and . Even though they may not cover the heating system, home insurance for a roof is still an investment in case a fire or storm causes damage to a home. Home insurance for a roof can be very affordable in its price.

Our Insurance Products

Our Insurance Products and Services Our exclusive and original blogs and news about insurance. Check out the products and services of our insurance professionals: Hazard Liability Insurance by A.M. Best Co., a major player in the insurance industry, Risk Management Services Investigation Services Conduct Research and Assurance Research and Services Insurance for the State About us: A trusted insurance provider since 1991. Our Mission at HMOs We believe the business value from the comfort of our offices is a reflection not only of our staff and our business but of our members. Our mission to keep our policies confidential, to make our clients comfortable with the security the policies offer and protect our clients from the embarrassment that they may be exposed if they are accused of certain insurance offenses. Our staff and I are here to help clients with their insurance needs. I also provide assistance every step of the way. Call us at.

Does homeowners insurance cover HVAC?

Does homeowners insurance cover HVAC? Is homeowners insurance necessary? And can you talk to your insurance co-defendant so they can decide if the HVAC system is in line with their insurance needs? We ll answer those questions for you as we explore the options available to meet your growing insurance needs. Homeowners are not required by law to provide insurance information to the HVAC system. To date there has been no major coverage requirement to obtain homeowners insurance. You simply need to be prepared to answer questions and fill out the application to see if there is an answer to your questions, with some exceptions, as described below. If your property qualifies as an industrial use, you can still obtain homeowners insurance for industrial use property (HVAC). It is the responsibility of your homeowner insurance to insure against the construction of a covered structure under your homeowner insurance contract. You must have at least a five year policy minimum, as well as specific policy limits so that your claims will not exceed that of your property. If.

Filing an insurance claim on air conditioning

Filing an insurance claim on air conditioning coverage For those who have difficulty filing an insurance claim, air conditioning coverage can provide flexibility and coverage to meet specific needs. In addition to offering the lowest cost to customers, we know your lifestyle and can help you be better prepared to get the best air conditioning coverage, even if you are on a limited budget. All you have to do is compare air conditioning rates from as many providers as you fit. All you have to do is fill out an insurance-specific quote to receive the rates you deserve, which we provide. If you ve been in a small business association for the past 12 or more years, this means you should make plenty of insurance referrals to maintain your peace of mind. This will get you the best coverage for your money and you will be better equipped to receive your best life insurance quotes anytime. Our clients have been in this endeavor before and their success is due to individualized benefits, not just the company. So, if your business offers insurance, you arenâ�.

It’s good to know which insurance covers your AC and heating

It’s good to know which insurance covers your AC and heating insurance needs since it can be confusing to buy the right policy. However, the biggest consideration is whether there is a need for a specific type of insurance and heating insurance policy with that policy. It’s important to remember to ask your potential insurance companies for a complete listing of each option before you buy the policy. Your policy covers what most people have used in their car insurance policy. However, if there is a need for specific coverage and heating insurance, they may not be the type to buy the policy. If you want to find out more about how to make sure that you have the policy to help you save money on these types of insurance issues then check out our guide below. It’s important to make sure that someone has specific information regarding their vehicle type and what they are paying for. It’s common to want to know what kind of vehicle or that you can get a new. These types of driving insurance policies will cover people who are driving because they are getting closer.

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wilsonelisa430 · 4 years

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Cracked Your Smartphone Screen? Here’s What You Can Do

Not having a protective screen guard or a mobile case can increase the chances of accidentally damaging the screen of your smartphone. It is not unusual to have a broken smartphone screen as a result of a drop, fall, hit, or bump. Fixing a broken smartphone screen can be a challenge, but at least you should have a basic idea of the things that you can do to deal with a broken screen or at least to make it work for a few days until you can replace it or get it fixed by a technician. This can sometimes save you tons of time and hundreds of bucks. Follow the tips as mentioned below if your smartphone screen has got broken.

You can make use of packing tape to cover the broken part of the screen. Cut a small piece of the packing tape and then applied on the cracked section of the screen. Make sure that you clean the screen with a piece of cloth before applying the tape so that the tiny crystal particles are cleaned off from the screen.

You can use Cyanoacrylate glue, also known as super glue for fixing the screen. This method especially works great if your screen has small cracks. Clean the cracks properly and then apply a very little amount of the super glue. This will prevent the cracks from expanding and causing further damage to the screen.

The smartphone screen consists of a touch screen panel along with the protective glass casing that covers the delicate panel. Together they constituted a digitizer. If the touchscreen is working fine, but there are visible cracks on the screen, the chances are that only the glass covering the touch screen panel has broken. In that case, a simple glass replacement will fix the issue, which will cost between 10 to 20 dollars. The methods for removing the cracked glass and applying the new one varies according to the smartphone model. You can research about screen glass replacement specific to your device for further info on this.

You can take your phone to the service center for screen repair or replacement. If your device is still under warranty, you may not be asked to pay for the replacement. It is worth noting that generally accidental damages are not covered under smartphone warranty; however, certain paid warranty extension plans cover these types of damages. You may decide to opt for that as a preventive measure for the future.

Many mobile carrier providers offer screen replacement or repair services at discounted rates. It is a good idea to call the customer service of your career and check if they provide screen replacement facilities at the stores or not.

Alternatively, you can directly take your smartphone with the broken screen to a mobile repair shop where the technician can replace the screen with a new one. The cost of a screen replacement can range anywhere between 50 to 200 dollars. If you are not sure about third party screen replacement services, you can make a payment in the phone manufacturer’s authorized service center for a legit and original screen replacement.

Source :- https://my-blogsearch.uk.com/cracked-your-smartphone-screen-heres-what-you-can-do/

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davidferrer13 · 4 years

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How To Succeed With Personal Finance Today!

Many individuals like to ignore the things associated to their financial difficulties. This article will provide a variety of options that you can use to control your finances better. Grab a firm hold on your finances immediately!

If you want to save money and time consider purchasing lean protein in very large quantities. Bulk purchases are excellent if you plan to use all the products you bought. A good time saver is spending a day making a week’s worth of meals out of the meat.

Usually, if a product has faults, you will notice it within 90s, which is the length of most warranties. The company who provides the extended warranty makes a lot of money on the deal and for you, it’s often not worth the price you pay.

Arrange an automatic withdrawal from checking to savings each month. This technique works very well if you want to save a little every month. This may also help you with having money for large events, like vacations or a wedding.

Creditors like to see borrowers manage more than one credit account; it is important, however, to keep this number under four. Credit scores build slower if you only have a single card, but having more than four is a sign of possible credit problems. Start by using two credit cards and if your score needs an extra boost, consider adding another.

When it comes to your personal finances, you should always practice patience. Many people buy just-released electronic devices without thinking about the cost. This usually results in paying top dollar for an item, whereas if you waited just a little, you could have saved a lot. This way, you will have extra money to spend on other things.

A good credit rating will earn you a lower interest rate on large purchases, such as a home or new car. Interest rates and payments on these two items will most likely be the bigger part of your monthly budget. Making one extra payment yearly or applying your tax refund money will get these paid off faster.

If you find that your credit card balance is creeping up and you are having trouble keeping up with the payments, it’s a good idea to stop making charges. If you cannot find a different way to pay for expenses, at least try to reduce the amount that you charge to the card. Before you begin charging again, pay off the current balance so you don’t get in over your head.

Credit Cards

Credit cards can be a wonderful replacement for debit cards. If your credit card application is approved, use it to buy everyday items, like food and gas. Most credit cards have a rewards program that allows you to earn a point for each dollar you spend. You can then redeem these points for cash, goods, or services.

If you handle your banking and other personal finance matters online, take note of the alert services your bank offers. Most banks will let you know about important activity on your account via text or email. These simple alerts can let you know about big potential problems, such as low balances and large withdrawals, protecting you from overdrafts and even fraud.

You can sell old items for a little extra money every week. A working laptop will sell for more than one that doesn’t work. Even if someone sells a broken laptop, it will probably at least cover gas for a car or something in the same price range.

To ensure timely credit card payments set up an automatic monthly bill pay through your bank. Even if you cannot pay credit cards off completely, paying them on time establishes a positive payment history. If you schedule an automatic debit of your checking account, you eliminate the need to worry about making a payment late.

Although you may need to exert more effort, trying only using ATMs that your bank approves. You are often charged a big fee for using ATMS from other banks.

If you live paycheck to paycheck and coming up short more often than not, you should consider an overdraft protection plan at your bank. You might be charged a little every month but you will save money on overdraft fees!

To make saving money as easy as possible, consider having money automatically transferred from your checking account into a savings account. At first, this might seem uncomfortable, but after some months, you will be used to it and the money that you have will grow in no time.

Stay on top of your credit score. It is easy to find sites that will let you examine your report without having to pay a fee. Do this once every six months. When you do, look for signs of fraud and identity theft.

By getting the information right for you and using it for your money situation, you can be more ready than you were before. As time goes on, you can make your finances better, and avoid debt that comes from stress.

The post How To Succeed With Personal Finance Today! appeared first on Credit Repair Quick Fix.

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sierrafcortney2 · 4 years

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How To Succeed With Personal Finance Today!

Credit Cards

Although you may need to exert more effort, trying only using ATMs that your bank approves. You are often charged a big fee for using ATMS from other banks.

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aragates014 · 4 years

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How To Succeed With Personal Finance Today!

Credit Cards

Although you may need to exert more effort, trying only using ATMs that your bank approves. You are often charged a big fee for using ATMS from other banks.

The post How To Succeed With Personal Finance Today! appeared first on Credit Repair Quick Fix.

source https://creditrepairquickfix.com/how-to-succeed-with-personal-finance-today/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-succeed-with-personal-finance-today from Credit Repair Quick Fix https://creditrepairquickfix.blogspot.com/2020/05/how-to-succeed-with-personal-finance.html

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creditrepairquickfix · 4 years

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How To Succeed With Personal Finance Today!

Credit Cards

Although you may need to exert more effort, trying only using ATMs that your bank approves. You are often charged a big fee for using ATMS from other banks.

The post How To Succeed With Personal Finance Today! appeared first on Credit Repair Quick Fix.

from Credit Repair Quick Fix https://creditrepairquickfix.com/how-to-succeed-with-personal-finance-today/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-succeed-with-personal-finance-today

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aaagaragedoorpros · 4 years

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Garage Doors Services That You Can Trust

Written by Home Advisor and published on https://www.homeadvisor.com/.

Do you need to have a new garage door installed? Or maybe you are having trouble with your garage door and cannot seem to understand what is wrong with it? Either way, you are in dire need of a garage door service provider because the do-it-yourself solutions that you know just won’t cut it anymore and even a trip to your local hardware store cannot save you from your current situation.

HomeAdvisor’s Guide to Hiring a Garage Door Contractor

Are you in the market for garage door services? There are many reasons why you might need it. You could be shopping for a new home, replacing an outdated door, planning to repair a damaged one, or changing accessories such as openers and springs on your current one. Assuming your family opens your garage door an average of four times a day, that’s 1,460 annual uses. After five years, it’ll reach 7,500 openings.

You’ll want to start considering upgrades around this point. View the situation as an opportunity rather than a surprise, though. Garage door replacement is a renovation project that offers one of the best returns on investment. There are so many different products available, however, that shopping can feel overwhelming. Here’s a helpful guide to aid you in finding the perfect garage door service.

How to Decide if You Need a Professional

How will you know when to change or fix your garage door? Take note of any instance when it fails to work properly. You must address any issue that recurs immediately. While you consider them a harmless part of your home, garage doors are dangerous weapons if they collapse. They can damage your car, your children, your pets, and your personal items in your garage. Insurance will cover the car and the personal items, but you can’t run the risk of injuring your family members, human and furry.

Choosing to hire a professional might seem counterintuitive to a DIY enthusiast. You should still explore the option, though. Remember that your garage door is likely the largest moving object in your house. If you don’t install or repair it properly, you endanger everything listed above plus yourself. There are plenty of cautionary tales about would-be amateur installers trapping their feet under their new door. Also, if you’re not accustomed to holding such a large object, you run the risk of damaging your new garage door yourself.

Here are some signs that you should contact a garage door repair service:

Stuck door

Bent door

Rusted springs

Bent springs

Uneven door when resting

Missing hardware

Imbalanced rollers

Fractured pulleys

Most garage door companies cost only $40 to $100 for an inspection. If your garage door requires an immediate repair, the professional carries many of the required parts on their truck, so there shouldn’t be any delays for servicing. Most repairs cost $300 or less, sometimes as little as $100. Obviously, you don’t save much money by performing these services on your own. That’s why hiring a professional makes the most sense.

Questions to Ask Your Garage Door Professional

There are two sets of questions to ask your repair professional. The first involves their proof of expertise before starting the job. The second is for post-repair maintenance. Remember to ask for specifics in both areas. Prior to the repairs, you’ll want to ask:

Which tasks they’ll perform during the service call

Description of the warranty

Whether they will offer a free estimate on-site

Which tasks they’ll perform during follow-up maintenance falling within the same payment contract

What their emergency service hours are, and how much more they’ll charge if forced to perform maintenance outside standard daily service hours and on weekends. As you’ll see below, these charges are much higher.

Which licenses they hold in their field and whether they’re bonded and insured to perform the requisite repairs in your area. It’s critical to verify all of this information because it protects you as a consumer if their work is substandard. Never hire a professional who doesn’t carry insurance.

Which brands, insulations, sensors, and openers have experience installing, repairing, and replacing. This is especially important if you plan to or already have purchased a door or parts on your own. A repairman with a lack of familiarity with your product isn’t a worthwhile investment.

Once your garage door professional completes the job, there are other questions you’ll want to ask. The most important of these is when you should plan to perform maintenance. Your repairman will likely suggest annual servicing, something they will do for the same visitation fee of $40 to $100.

Cost of Garage Door Services

The overall cost of your garage door service depends on your needs.

If you must replace a garage door opener, the cost to buy and install a new unit is about $315.

You can find a system for as little as $100, but it’s not a home improvement area where you should try to cut corners.

Conversely, some systems sell for as much as $700, which is overkill in most instances.

Unless you’re paying for emerging technology such as Bluetooth integration or voice command activation that you feel justifies the price, a middle-tier garage door opener in the $200 range is fine.

The cost to replace a garage door also varies. Replacing the door itself will require much more money than fixing a few moving parts. A garage door costs as little as $200 or as much as $4,000, depending on your needs and any local requirements in your neighborhood contract. Double door units are more expensive than single doors, so you can narrow down the range by deciding what works best for your home.

Overall, the average garage door costs roughly $1,060. Expect to pay at least 50 percent more if you’re serious about improving your curb appeal. If you only need or want to repair your current door, that’ll cost much less. Features that will determine the repair cost include:

Garage door style

Garage door opener

Garage door materials

Garage door finishing

Broken parts

Note that what you pay isn’t entirely up to you. The door you have will need a certain type of materials, so if you have a high-end piece, you’ll need high-end materials. If the charges are high enough, you might discover that it’s more cost-effective to simply buy a new door instead.

Garage Door Replacement Considerations

There are several key considerations when determining your garage door repair. The style of door paneling plays a huge part. Single tile-up and roll-up models are cheaper to replace with similar models than are solid wood door frames and custom roll-ups. Don’t feel compelled to stay with your current style if you want to change the overall look of your home’s exterior.

The main garage door styles are:

Roll-up: the most popular style, which rolls up like a curtain shade

Sliding: doors pull apart horizontally and slide back into the sides of the wall

Swing out: opens toward the exterior and then slides back into the interior of the garage

Swing-up: doors tilt backward and lift toward the roof of the garage

Once you identify whether you’re keeping your current style or installing a new one, it’s time to pick the perfect color. Choose a color that matches your home’s exterior or use this opportunity as an excuse to freshen your curb appeal by painting your entire house to match your new door.

Materials will also influence the cost of your repair. There are four primary kinds:

Steel: an inexpensive and therefore popular material that will require more insulation due to its heat capacity

Vinyl: a slightly more durable option that also looks better than steel.

Wood composite: a cheap material made from recycled products. It’s an eco-friendly material that also enables customization since you’ll have to paint it.

Custom wood: an elegant but pricey door facing that adds a stately presence to your exterior. Mahogany, cedar and hemlock are the primary types.

There are many garage door brands. The most popular ones are:

Craftsman: the Sears hardware branch

Genie: one of the industry leaders in garage door sales

LiftMaster: one of the industry’s most respected brands

Chamberlain: one of the best-reviewed brands

Garage Door Maintenance and Repair

If you encounter any of the following issues, your garage door needs repair:

Misaligned track prevents proper door lift

Dead transmitter batteries in the remote and wall units

Seemingly random door openings

Garage door fails to shut completely, going part of the way before returning to the top

Misaligned eyebeam

Garage door slams shut with an extremely loud sound

Garage door lifts and closes unevenly

Garage door lifts awkwardly and looks like it might collapse

Door repairs come with charges of as little as $80 and as much as $525. As long as you don’t have to replace the door, $210 is a fair expectation for the overall project expense. You might pay as little as a few dollars if you only have to replace the batteries. As mentioned, hiring a professional sets a fixed cost of $40 to $100 plus the cost of parts and services. If you prefer to do it yourself, make certain that the maintenance required won’t add up to more than what you’d pay someone else for repairs.

To avoid unwelcome repair expenses, you can perform regular maintenance to increase your garage door’s lifespan and efficiency.

On an annual basis, you should:

Tighten the nuts and bolts on the apparatus.

Oil the chains to make sure they experience little friction during standard operating motion.

Check for rust.

Replace the rubber weather stripping at the bottom of the doors. Because it hits the ground repeatedly, it deteriorates faster than the rest of the hardware.

Listen for sounds of stuttering machinery. These are warning signs for failing equipment.

Clear the tracks of clutter and debris.

Test the auto-reverse system to verify its safety features are working. Place an object such as a wood plank under the door. If the system doesn’t recognize its presence and continues to descend, you must repair it immediately.

On a monthly basis, you should also:

Perform a visual examination of the hardware in operation.

Lift the door manually by deactivating the opener if applicable. Check to see that it opens smoothly and has no balance issues.

Check the photo-eye sensor that’s required by law. Wave an object in front of the beam to verify that it stops the door from descending. If not, you need to schedule immediate maintenance.

Check the door’s speed of descent. If it’s going down too fast, it’s a danger.

As you can see, there’s a lot involved. So, the service fee of $100 or less is quite reasonable.

Garage Terms to Know

To prepare yourself for the repair process, familiarize yourself with some of the terms. The garage door panels are the squares built into the door. You’ll use them to locate the other parts of the repair/installation process. Crossing one of the panels is the lock bar and its accompanying lock. These are the parts that prevent the door from opening randomly.

On the corners of each door, near the panels, are the hinges. Each of these pieces screws into the door to secure the pulley and track system. Here’s where the terminology gets a bit confusing. The mechanics of a garage door opener include:

The operator: the large piece of hardware that sits in the center of your ceiling. It triggers the door-opening process.

The belt: the center beam that supports the door as it’s lifted in the air.

The curved door arm: the lifting piece that functions as the load bearer during door-opening.

The emergency release rope: you pull if you need to perform an emergency stop of the lifting motion.

The safety reversing sensor: the emergency tool discussed above.

The rollers: they actually move to lift the door.

The door and trolley tracks: the paths for the rollers as they lift the door.

Deciding whether you need a new door or a repair of your current one shouldn’t be difficult. The guide above and the sage advice of the garage door professional you hire should address your primary needs. Remember that your home’s curb appeal partly relies on your garage door choice. When making repairs or replacements, you can improve your home’s resale value while also increasing your family’s safety.

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bramanwfericzs25insurance-blog · 5 years

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car insurance in kentucky

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car insurance in kentucky

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yasminaszvoelkerqj73insuran-blog · 5 years

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where to get an insurance quote for anything

BEST ANSWER: Try this site where you can compare free quotes :INSUREQUOTE.US

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where to get an insurance quote for anything

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rolandfontana · 5 years

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Ten Key Questions to Ask Your Potential China Distributor

International distribution contracts are the new black and this is a good thing. I estimate that the international lawyers at our firm will have done about double the number of international distribution contracts in 2018 than in 2017.

I see this increase due in large part to companies better realizing that doing business in a foreign country by setting up a company in that country (be it a wholly owned subsidiary or a joint venture) is almost always invariably difficult, time-consuming, and expensive and that is especially true of China. Going into a foreign country via a distribution contract (or a reseller agreement) is a relatively fast, easy and inexpensive way to stick your corporate toes into a country’s waters.

And here’s one more thing that distribution agreements have over foreign direct investment (which usually means going into a foreign country by forming a company in that country) is that they allow for a company to enter into multiple companies all at roughly the same time. These days, it is almost as common for a company to use our international lawyers for multiple distribution agreements as for one. In other words, these companies are pushing their products into many countries all at once and all via distributors and distribution contracts.

Let’s though focus on China.

As our regular readers know well, forming a WFOE in China and then operating that business in China is difficult and expensive. See e.g., Forming a China WFOE: Ten Things To Consider and also Doing Business in China with Deportation or Worse Hanging Over Your Head on why having a WFOE is a must if you will be doing business within China. Perhaps most importantly, the typical US or EU or Canadian or Australian company is not experienced at selling products or services within China and is hindered from doing so by China’s discriminatory Internet regime. Selling products and services into China via a distribution agreement is a way to offload these complicated issues on an experienced China company. For the basics on what is involved in establishing a distribution relationship with a Chinese company, check out the following:

China Trademarks and Your Chinese Distributor

Getting Your Product Into China Via Distributorship. A Legal Piece Of Cake.

That’s Hot: China Distribution Contracts

Exclusivity In China Distribution Agreements

Today’s post focuses on the following key questions you should be asking yourself and your potential China distributor if you are looking to do distribution agreements with Chinese companies — to a great extent, these same questions apply pretty much everywhere in the world.

1. What will be the payment and shipping terms? China’s letter of credit system is not very effective. If you ship your products before receiving payment for them, you are taking the full risk that the Chinese side will not pay. Conservative manufacturers usually require full payment before they ship. Less risk averse manufacturers ship on 30 days after the date of shipment (Net30) terms. These manufacturers provide for the right to shift to payment before ship terms if there is a problem. Shipping terms can be CIF or ExWorks. ExWorks is more common, since estimating shipping and insurance costs can be difficult.

2. Will you have sales milestones? This is always a good idea in an exclusive distributor arrangement. Sales milestones for China distributors are usually set on a quarterly basis and not broken down by province. The issue of sales milestone is usually a big issue, so setting the milestones in a way that is clear and simple to understand is important.

3. What will be the term of your distribution agreement? f you are going to have here an exclusive agreement its term/length becomes of critical importance. The normal procedure is to provide for a term long enough to give the Chinese distributor time to earn back its efforts in promoting your products. A three year term is typically the minimum, with five years more common. Most China distributors that plan to put in substantial work to market and sell your products will require the distribution agreement to automatically renew if they achieve their sales milestones. The China side will often want a provision stating that if the parties cannot agree on new milestones after the end of the first term, renewal will be automatic based on some predetermined formula. Chinese distributors that do not require something like this are oftentimes not planning to do the work necessary to succeed.

4. What about your brand name? When selling products in China, you typically will need Chinese and English language trademark protection for each product that will be sold. Serious distributors insist such protections be in place. You can use your own China trademark lawyers to handle the appropriate China trademark registrations or you can have your distributor take care of this on your behalf as your agent. In either case, you should take care of the trademark registrations as soon as possible, preferably before any distribution gets signed or, better yet, before any negotiations even begin. See China Trademarks: Register Yours BEFORE You Do ANYTHING Else. If your distributor takes care of this for you, you will want to ensure that the registrations are done in your name and not in theirs.

5. What law will govern your distribution relationship? This really should not even be in the form of a question in that you are going to need your distribution agreement to be enforceable in the PRC and for that to be the case it must be drafted with Chinese law as the governing law and the Chinese language as its controlling language, and with enforcement in a Chinese court. For why we draft our China contracts this way, check out China Contracts that Work and China Contracts: Make Them Enforceable Or Don’t Bother.

6. How will you protect your trade secrets? China NNN (non-use, no disclosure, non-circumvention) language should go into your distribution agreement and if your China distributor will not accept this, find a new distributor.

7. Who will pay for what? Are you going to pay for marketing/advertising your product in China or will your distributor do that or will you share. Clarity is the key here. Will your technical product documents be translated into Chinese? If yes, who will do this and who will pay for this?

8. How are you planning to deal with warranties? A standard approach is for you to draft the warranty and then have your distributer provide this warranty to consumers without any changes. Under this approach you will need to work with your distributor to design an appropriate warranty that a) works for your products, b) works for your company and your distributer, c) meets market demands, and d) complies with Chinese law. The alternative is to allow your distributor to provide whatever warranty it wants to consumers. Your warranty is with the distributor and you will not cover any warranty beyond that which you have specifically agreed with your distributor. Under this sort of arrangement you have no contractual relationship with the consumers and the consumers have no legal basis to assert warranty claims against you. They are limited to making claims only against your distributor. This option is consistent with the legal status of a distributor that buys and then resells your products. However, under this approach you no longer control the nature of the warranty and many companies do not want to give up this control. Much will depend on the nature of your product, your consumers and your trust in your distributer.

9. Who determines the sales price to consumers? Normally, the China distributor is free to set the prices it wants for the products, since it has purchased the product and therefore owns them. However, many of our clients wish to exercise at least some pricing control. Absolute resale price maintenance is not legal in China so you cannot dictate the sales price. You can, however, require your distributor to work with you on pricing and even set a pricing product range, both maximum and minimum.

10. What training will you provide your distributor? Where will your provided this (in China or in your home country)? How will training costs be determined and who will pay those costs?

Go forth and prosper.

Ten Key Questions to Ask Your Potential China Distributor syndicated from https://immigrationattorneyto.wordpress.com/

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