#and knowing that my lease ends in 2 months and i have nowhere lined up to live

[hairtusk]

I'm one more minor inconvenience away from an actual, fully-fledged nervous breakdown

[artificialqueens]

Not Nineteen Forever (21) (Branjie/Scyvie/Ninex) - Ortega

a/n: omg i’m emotional. guys, welcome to the last chapter of n19f. this fic has been the absolute best fun to write and i truly love these girls and the journey they’ve been on so much. big big huge thanks and love to every single person that’s ever left a note, hit reblog or left me lovely anons, DMs, comments or tags, they’ve all meant the absolute world to me and i love u so much. obviously i can’t let things go, so keep an eye out for some form of sequel coming in the next few months or so (patience is a virtue xo). for one last time…….let’s go, lesbians!!!!!!!

please note: this fic contains young adults often behaving in irresponsible/unadvisable ways with regards to alcohol, drugs and sex. if you are someone who feels as if they could be heavily influenced by fic and incorporate what happens in the plot into ur own life, pls steer clear!

tw: bit of weed in this one. no zoos, dw xo

summary: Brooke, Yvie and Nina are three flatmates who forged a friendship in their first year of university and picked up some other waifs and strays along the way. Now in their final year, there are feelings that need to be unravelled and confessions to be made whilst navigating drunk nights, hungover mornings, takeaways, group chats, library meetups, cafe gossiping, and the small matter of getting a degree.

last chapter: the girls all went to the beach, Scarlet and Yvie made plans for after uni, and Scarlet got the degree classification she so desperately wanted.

this chapter: it’s Brooke’s graduation day.

***

Brooke looked around at the chaos that was their kitchen. The kitchen utensils (which were all Nina’s that she and Yvie had shamelessly used as if they were their own over the 2 years they’d lived together) were wrapped up in bubble wrap and packed neatly into cardboard boxes which sat on top of the dining table. Yvie’s kitchenware- a blue bowl with a chip out of it, a huge white plate, a Tigger mug, and a mismatched fork, knife and spoon- had been inelegantly packed into an orange Sainsbury’s bag and left on the counter. Brooke had already packed up her own belongings and had moved them into a corner of her room so they wouldn’t take up space in the already-tiny kitchen. All their store cupboard food was in the process of being packed up for the foodbank, which was inevitably going to be flooded with the discarded super noodles, tinned soups and flavoured teas of the migrating tenants of student flats.

Yvie let out a snort from her position in front of their food cupboards, and Brooke’s heart gave a twinge at seeing them so empty. Top shelf had been hers: pasta, rice, stock cubes, and emergency maple syrup tin. The middle shelf was Nina’s: loaf of white bread, tins of tuna, ryvita, breadsticks, crisps. And Yvie’s food had occupied the bottom shelf: chocolate digestives, Ainsely Harriott cous cous, peanut butter, and sour patch kids. All gone. Except, Brooke noticed, for a jar of Marmite which had sat on the middle shelf and that Yvie was holding in her hand.

“Whose was the Marmite?” she asked, an amused tone to her voice. Nina shrugged from her position on the sofa.

“I’ve never once eaten Marmite.”

“It’s on your shelf, girl,” Yvie shrugged, her eyebrows questioning. Nina gave another shrug.

“I know. It’s always lived there. I swear to God it just turned up one day and I left it there. Thought it was one of yours because Christ knows you’re both too lazy to put it on your own damn shelves,” Nina reprimanded them both. Brooke laughed.

“You know you’re going to regret being so mean to us when you don’t live with us any more and we’re adults and it takes 9 months to clear our schedules for one singular coffee,” she raised her eyebrows at her flatmate as Nina pouted and let out a groan, held out her arms for a hug which Brooke fell into.

“Don’t! This is already too heartbreaking, I can’t believe we only have two days left here.”

“I can’t believe we’re actually organised with this moving out process.”

“I can’t believe we have a phantom jar of Marmite that nobody’s claiming,” Yvie piped up, peering at the jar with interest. “Brooke, you like this shit, right?”

“Marmite is Satan’s black fecal matter and I’m offended you think I eat it,” she deadpanned, shifting to get comfy in Nina’s lap whilst attempting to be as inconvenient as possible to her friend.

“Get the hell off me. Only my girlfriend is allowed to sit on me for so long that I lose feeling in my legs,” Nina huffed, shoving at Brooke until she relented and sat beside her. It didn’t stop her from putting her cold feet on her bare thigh though, and Nina hissed and jumped away. “I take it all back. I’m not going to miss either of you idiots at all.”

“You’re a crap liar,” Yvie smiled smugly, binning the Marmite and joining the two girls on the sofa, squeezing in between them both. “Awh, guys…it’s the end of an era.”

Brooke suddenly felt tears prick at her eyes out of nowhere. “Shut up. We’ve still got tomorrow and the next day.”

“Yeah, but tomorrow you’re gonna be doing graduation-y shit and then it’s moving day!” Nina protested. Her voice grew small, dropping to a murmur. “It’s kind of like it’s our last day.”

The girls fell silent. Yvie let out a huge puff of air from her lungs. “Don’t tell anyone I said this but I’m gonna miss you girls so fucking much.”

“Awh, Yves. I’ll miss you too,” Nina sighed, burying her face into Yvie’s shoulder and curling her arms around one of Yvie’s. “But this is good! Change is good, even if it’s scary and different. And you’re gonna be living with Scarlet! That’s exciting!”

“How’s the flat hunting going?” Brooke asked Yvie, who had a little smile on her face. Brooke didn’t know if Yvie knew that she always began to smile a little whenever Scarlet was mentioned. She wasn’t going to mention it to her. She would maybe mention it to Scarlet.

“Like I’d rather shit in my hands and clap,” Yvie groaned, running her hands down her face. “It’ll be fine, though. We’ve got a while. Her lease isn’t up until August so we’ve got a few weeks to keep looking and in the meantime I’ll just stay with her in that Dickensian death trap she calls a flat.”

The girls let out a laugh, Brooke resting her head on Yvie’s shoulder too. There was a small silence.

“At least you and Monet are sorted,” Yvie spoke again, Nina nodding in agreement. Buoyed by how well Yvie’s suggestion to Scarlet had been received, Nina had been determined not to fuck up another relationship milestone with Monet and had asked her to move in with her as well. The answer had been an emphatic yes, and the pair of them had used their terrifying teacher-levels of organisation skills to find a cute two-bed flat in a nicer, only slightly more expensive part of the city. They both knew their relationship was still new and fragile, so they’d agreed a room each was a good idea to give them their space when they each needed to work or wanted a bit of time on their own to simply do nothing. Brooke knew the two girls were joined at the hip though so they probably didn’t need that sort of contingency plan, but it was a sensible decision nonetheless.

“I can’t wait to get the keys and just vomit up a bunch of fairy lights and candles in every possible room,” she beamed, excitement radiating out of every pore. “It’s going to be so fun- we’re going to take turns cooking, and build pillow forts, and blast our songs on a Sunday morning and clean the whole place-”

“Fuck. Adulthood’s fully got you. Brooke, quick, if we run we can still save ourselves,” Yvie deadpanned, Nina giving her a whack as Brooke laughed.

“I personally can’t wait to go round and visit at every available opportunity. I’m going to move in,” Brooke smiled, and Nina gave another sad kicked-puppy pout.

“I wish. Canada is so far away,” she sighed, a little knife going through Brooke’s heart at the thought of moving back. She didn’t want to think about it, but it was just inevitable. It was happening, and it was fact. She was going back to Canada. She didn’t really know what she was doing, she hadn’t found herself a flat, and she didn’t have a job to earn money and pay the rent with even if she had, so she was flying home.

She really didn’t want to think about leaving. She didn’t want to think about leaving the city, constantly busy with tourists and families and drunk students and Very Important Working Adults. She didn’t want to think about leaving the park, with the cherry blossom trees that lined every path and fond memories of barbecues and picnics and drinking in the sun with the girls. She didn’t want to think about leaving uni- because as stressful as all hell her degree had been, she’d loved studying fashion design, loved making prototypes, loved learning about something she loved, even though her degree was fuck all use to her trying to get an actual job. She didn’t want to think about leaving the flat: the shower with its drippy head, the hob with the one gas burner that didn’t work, the carpet in her room with the incongruous red faded stain, the fucking Sports Direct mug. The girls that she loved so much her heart felt sore if she thought too much about it: Nina singing obnoxiously early as she got ready for placement, Yvie making the kitchen into a war zone trying new recipes, the ridiculous squabbles they got into about the washing up, pre-pre-drinks where they shared a bottle of pink Gordon’s and splashed mixers into their mismatched glasses and sang along to Ariana Grande at the top of their lungs.

Tears stung at her eyes again, and she swallowed the big lump in her throat to shoo them away. It was too late though, as Nina had seen her glassy eyes and reached over to hug her. Her own voice was thick with tears as she spoke.

“Oh, girls,” she let out a shaky breath, Brooke giving up the fight as she felt her own tears drop down onto her hoodie. “Change is good…but it’s shit.”

“Fuck you both, I’m not crying,” Yvie said, her breathing all shuddery and letting them both know that was a lie. The girls all sat and held each other as they wept quietly, mourning the death of their student careers and this life they’d lived for three years that they’d all too often taken for granted.

Brooke was the first to dry her tears, giving one decisive sniff and sweeping under both her eyes with determination. “Right. I’m putting a stop to this, we’re not spending our kind-of last night in the flat sitting crying like a bunch of babies. We’re going to order food, get high as St Peter’s balls and watch shitty game shows that make us yell at the TV. Okay?”

She was happy that Yvie and Nina both snorted a weepy laugh and nodded at her. “Okay.”

And the three girls did just what Brooke had suggested. There was, however, bickering about where they should order from. Yvie wanted sushi from the tiny little place tucked away in a back street that did bento boxes with prawn katsu and salmon maki which were like little rice parcels of heaven. Nina wanted Chinese from their favourite takeaway that delivered from out in the suburbs and where, for about fifteen points all in, you could get a banquet of sweet and sour chicken in sticky red sauce, crispy golden salt and chilli chips with huge red jewels of chilli and slices of garlic, chicken fried rice in a rich Cantonese gravy which bound everything together and chow mein with soft spring onion slices and huge chunks of onions all tossed in soy sauce. Brooke’s selection won in the end though as her argument was the strongest- “I might not taste any of this again, Canada is a long fucking journey, okay?!”- so they ordered burritos and chips and salsa from the incredibly-overpriced-but-worth-it burrito bar on campus. They finished the last of the weed that had been wrapped in tin foil and cling film and shoved to the back of the broom cupboard along with the bong, and they made horrifying cocktails from the dregs of their leftover spirits and mixers. The burritos arrived and they stuck Challenge TV on and shouted at the Catchphrase contestants who couldn’t get the most obvious fucking catchphrases Brooke had ever seen in her life.

The evening was perfect.

They talked about Brooke’s graduation tomorrow, Nina and Yvie both saying how proud they were of her. Brooke was glad she had the girls, since her Mum’s flight over to see her graduate had been cancelled because of freak winds back in Canada. Brooke had already cried to her over facetime about it, but Yvie had managed to find the link to the livestream that was only meant to be shown on campus, and she’d sent Brooke’s Mum the link so Brooke knew she would be watching even if she couldn’t properly be there. As soon as they’d heard the news, the girls had all agreed on the group chat to set up camp in the union and watch the livestream (as Brooke and Plastique would be graduating at the same ceremony) and then take photos with them both afterwards outside the great hall as if they were a gaggle of proud Mums. Even though it wouldn’t be what she’d planned, Brooke was still looking forward to it.

It was around midnight before Brooke took herself off to bed, and just as she got cosy underneath the duvet her phone lit up with a notification. She couldn’t help the smile that involuntarily shot to her face when she realised it was Vanessa.

V: hey what’s ya fav Kanye West album mine is GRADUATION!!!!!!! How you feelin about tomorrow boo? xxxxxx

Brooke let out a laugh, muffling it too late with her hand when it came out louder than expected. Christ, she loved the girl so much.

B: Kanye West is a misogynist pig and i won’t stand for him xxxxxx

B: Stronger is a bop though xxxxxx

V: You got that one right xxxxxx

B: And I’m good! Big jumble of feelings. Big happy/sad vibes xxxxxx

V: I know it’s bittersweet af xxxxxx

V: Me n Scar just held each other and cried once the ceremony was over xxxxxx

Vanessa and Scarlet had graduated last week, as had their other friends. Brooke and Plastique’s graduation date was the latest and so they were graduating last. She didn’t mind that, though. The longer she could stay being a student the better.

B: Lol we just had a big cry as a full flat xxxxxx

V: Don’t lmao idk what we gonna be like when our lease is up xxxxxx

Brooke scrolled up and looked at all the texts they’d exchanged from the past two months, the same signature of six kisses at the end of them all. They hadn’t really spoken about where they were relationship-wise since the night in the library. Maybe Vanessa didn’t want to. Maybe it was for the best. Brooke’s heart hurt as she realised she was going to be on the other side of the world in a matter of days, and maybe Vanessa didn’t want to see her ever again. She frowned at her own thoughts before tears had a chance to start welling in her eyes again. It had been good to truly get back to where she’d been before with Vanessa- just texting random garbage, having deep chats about the future, being ever-so-slightly flirty with each other. She thought about confronting the issue head on over text, but it wasn’t the medium through which to have that kind of conversation.

As if Vanessa could read her mind, however, another text came through.

V: When do you fly back again? 20th? xxxxxx

Brooke’s heart felt sore.

B: 12th xxxxxx

V: oh right

Brooke’s pulse froze at the lack of kisses. Her fingers ghosted over her screen, trying to figure out what to type. Vanessa sorted the problem for her.

V: fuck I wish you weren’t leaving xxxxxx

Brooke’s heart swelled up then popped. Was this the time? No. But their time was running out, she knew that much. Maybe she could see her before she left. She’d see her after her graduation anyway.

B: I wish I wasn’t either xxxxxx

B: But you’re coming tomorrow yeah? Xxxxxx

V: Wouldn’t miss it for the world baby xxxxxx

Fuck, she would miss her so much. She’d already told Vanessa how much she meant to her, just how fucking incredible she was in every way, and yet Brooke felt like doing it again.

She didn’t, because it would be too weird. But she wanted to more than anything.

V: You gonna look so beautiful and clever tomorrow I just know it xxxxxx

Brooke smiled to herself, blushing on her own at the compliment. Vanessa seemed to be firing risky texts to her left right and centre, so Brooke took a risk of her own.

B: Not as beautiful as you xxxxxx

She almost threw her phone away once she’d sent it. A reply came back almost instantly.

V: Stop with the lies xxxxxx

She was leaving in two days so she sent another risky one, caution truly pissed into the wind.

B: You’re honestly the most beautiful girl in the world xxxxxx

At that point Brooke put her phone face down on her bedside table and decided to sleep, her heart full of butterflies and her thoughts filled with the ridiculously massive crush she had on the girl she’d been idiotic enough to let go the first time.

When Brooke woke up, her phone was blowing up with messages. The one she checked first was from Vanessa in reply to the one she’d sent last night, and was simply a series of heart eye emojis. The next one she opened was a text from her Mum, paragraphs of pride and love for her daughter that made Brooke want to cry already. The others were all from the chat- Silky, Akeria, Vanessa, Scarlet, Yvie and Nina all spamming it with messages of luck and love for her and Plastique, and promising they’d be watching the screen and waiting outside for them when the ceremony was done.

Brooke got ready in a dream-like haze. She took her smart black tailored dress out of the cupboard where it had been hanging for the past month, the garment more ready for graduating than she was. She showered then dried her hair, curling it and brushing out so it made waves down her back. She put on her makeup- browns and nudes with only the tiniest bit of highlight. When she stepped into her dress and heels and looked at herself in front of the mirror, she hardly recognised herself.

She looked like an adult. A woman with her life stretching out in front of her, ready to be whatever she made of it.

Brooke phoned a taxi- it was raining just a little, even though it was already July- and pulled on a smart black coat when she saw it pull up outside, dashing carefully down the steps of the stairwell and out into the new day.

Graduation wasn’t til 11, but Brooke had arranged to meet up with Plastique beforehand anyway, just so they could be excited together. When Brooke pulled up at the taxi rank outside the square and the huge ceremony hall, she could see Plastique and her Mum there already, standing bickering amongst the growing gaggle of students and families. The sight only hurt Brooke a bit, until she remembered the girls would all be watching, and her Mum would be watching too no matter how far away. It would, after all, be about one and a half hours of waiting for Brooke to walk across the stage, take a scroll and shake a hand, and then it would all be over.

It was scary to think that that was all that was separating her and the adult world.

Trying not to get too deep and to instead just enjoy the day, Brooke excitedly paid the driver and dashed out of the taxi, Plastique spotting her running towards her and giving an excited squeal. She opened her arms out for a hug which Brooke crashed into.

“Bitch! How are you!” Plastique cried, Brooke only squeezing her tightly in response. “I’m so excited! And sad. And excited! And emotional.”

“Yeah, I can tell!” Brooke teased, Plastique laughing as she stepped out of the hug and gestured to her Mum, dressed very glamorously in a blue dress, blue heels and a pink fascinator. The occasion didn’t really call for it but Plastique’s Mum was always one to embrace the potential glamour in every situation, and so she had gone all out.

“You’ve met my Mum, right?” Plastique smiled. Brooke nodded and waved her a hello. She’d met her once at their second year showcase, the woman keeping her in stitches with her hilarious stories.

“I have! Nice to see you again, Alyssa.”

Alyssa, throwing formalities out of the window, instead pulled Brooke into a crushing hug. “And you too, my angel! Awh, Lord, ‘Tique told me all about your Mama’s flight. My heart is absolutely breakin’ for you, honey. I would’ve sent a plane over for her but nobody’s flying out of there come hell or high water.”

Brooke suppressed a laugh, finding it unbelievable that “I’ll just get her a plane” was on Alyssa’s list of options. “It’s okay Alyssa. Thank you, though. She’s going to watch the live stream, Yvie hooked her up with a link.”

“Well I’ll be your Mama just for today, girl. I am so proud of you both!” Alyssa cried, putting both her hands on Plastique’s shoulders and sighing. “Look at my intelligent daughter, out here gettin’ degrees and lookin’ so beautiful at the same time.”

Plastique smiled at her Mum lovingly, the two of them sharing one last hug before she and Brooke took themselves off to pick up their robes. It was surreal actually wearing the gown, all billowing and black, and helping each other fix their hoods, light blue with fringes of pink. They went to get their graduation photos taken, Brooke surprised that they were given a prop degree to hold as she’d always thought it was her actual degree she’d be holding. She laughed as Plastique moaned to her about not being able to see the photo until it got mailed to her, and the fact that her Mum ordered about twenty four copies so even if it was horrible she wouldn’t ever be able to escape it. Alyssa texted Plastique to tell her she’d gone into the hall to get a good seat, so her and Brooke decided to just go and sit ready anyway. They had to say goodbye to each other briefly until the end of the ceremony, as everyone had to sit in alphabetical order. As she waited for the ceremony to begin, Brooke scanned the huge crowds all seated in the hall’s three tiered levels. Her eyes fell on each empty seat and her heart broke a little more each time she saw one.

Nobody she truly loved would see her graduate in person. She’d be lying if she said she wasn’t absolutely gutted. But at least she had Plastique, and of course, Alyssa.

Before she knew it, the ceremony had begun. She tried to pay attention to the Dean’s address and the chamber choir singing in Latin but she couldn’t help feeling like a 16-year-old in her school assembly, bored and just full of anticipation. Eventually, the awards began. Brooke clapped for all the other students crossing the stage, her eyes trained on the way they walked. She swallowed down the panic she felt, banished the thought of tripping over to the back of her mind. It reached Plastique’s turn, and she gave a huge cheer as her friend walked across the stage with all the grace and poise of a supermodel. She could hear Alyssa’s voice shouting from the balcony- “That’s my baby! That’s my girl!”- and, for a moment, she thought she heard the yell of a voice she knew all too well.

No. That was crazy. She must have imagined it.

E in the alphabet turned to F, then G, and eventually, H. Brooke didn’t have many others to sit through, and eventually there was only one girl separating her and her degree. The moment these three years had led up to, finally being lived out.

“Brooke Lynn Hytes.”

She heard her name and smiled as she walked carefully across the stage, shaking the Dean’s hand tightly and collecting her scroll all wrapped up in its little embossed tube. She couldn’t wipe the smile off her face as she walked to the other side, heard the claps, heard the cheers, and heard…

“Love you, Brooke Lynn!”

Stop.

“Go Brooke! Love you, girl!”

It was her. It was actually her. Vanessa’s voice, soaring above the crowd and reaching Brooke like an arrow.

What the fuck was she doing here, at her actual graduation ceremony? As Brooke dismounted the stage she scanned the room like a meerkat, the place far too packed to distinguish Vanessa from any other of the little blobs of people sitting in each row. But she knew it was her. Vanessa had seen her graduate, had seen her collect her degree and had cheered for her.

Brooke didn’t know how she’d managed to get a ticket - they were all reserved for families- but she suddenly couldn’t wait for the ceremony to end.

She didn’t have long to wait, as time flew by and everything was over before it could all sink in. Brooke and Plastique emerged from the hall to the crowds outside and, just as they had promised, the girls all rushed forward to crush them in ridiculously tight hugs, Silky yelling at the top of her lungs how proud she was of them both and Akeria shaking a bottle of five pound cava until the cork opened easily and sprayed the fizz all over the two girls. Brooke clung to Plastique and laughed, unable to stop the smile that was plastered on her face.

“I can’t believe it! You both did it, congratulations!” Scarlet cried cheerfully, Brooke pulling her into another hug.

“Did you see me shaking when I walked across the stage? I thought I was going to trip and fall off the damn thing!” Brooke laughed, the other girls all laughing too.

“You looked like a confident, graceful, successful queen,” Nina told her, Brooke wanting to cry at her friend’s compliment. “And you are all of those things! Fuck, I can’t believe we’ve all graduated now. What the hell are we going to do?!”

“Aw, let’s not think about that,” Akeria shushed her, a proud smile on her face. “Well done, ladies. We’re all proud of you. You did that shit.”

Plastique hugged and thanked them all again before making her excuses, saying she’d be right back, and dashing off to Alyssa. As she left, Yvie took Brooke’s hand and squeezed it.

“So, have you not got some big, teen-movie speech to make, or something?” she quipped. Brooke frowned, looking at her with confusion. The rest of the girls all waited for the penny to drop excitedly, and Brooke saw Akeria’s eyes land on someone just over her shoulder. Brooke turned around and, through the crowd, saw Vanessa waiting beside the hall. Their eyes met, and Brooke could see her try and then fail to suppress the smile on her face. Brooke turned back to the girls, pointing over her shoulder at the girl waiting for her.

“How did…you were all-”

Akeria rolled her eyes, gave her a gentle shove. “Go get your fuckin’ girl, idiot.”

Brooke hardly had to be told twice. She turned around, took two steps, then three, then four, until she realised she was almost jogging over to where Vanessa stood. And suddenly she was in front of her- her hair wavy and falling over her shoulders, her outfit exactly what any graduation guest would be wearing- a smart red dress that accentuated Vanessa’s collarbones and dark eyes and the bright white of the smile she was flashing Brooke’s way.

“Hey,” Brooke began, faltering slightly. She didn’t know where to start, so she chose the obvious. “You were there.”

“Yep!” Vanessa smiled at her proudly.

“How did…how?” Brooke stuttered out, still completely at a loss. Vanessa let out a laugh, charming beyond anything Brooke had heard before.

“I messaged your Mama. Got her number off Yvie after she sent her the link for the livestream. Basically said “hey Ms Hytes…can I grab your ticket and see your daughter graduate so I can surprise her”?” Vanessa grinned, tucking a strand of hair behind her ear. Brooke couldn’t believe it. Her own Mum had been in on the whole thing and hadn’t let on. She was going to kill the woman the moment she touched down in Toronto.

“Oh my God. You’re amazing,” Brooke gasped, taking a little step forward so they were closer. She felt like crying. Vanessa was here, in front of her for what was maybe the last time. She had to do something. She couldn’t lose her. Not again.

“Amazing, huh?” Vanessa asked shyly, looking to the ground. They both knew the question meant so much more than simply what it was, and Brooke, without knowing where her confidence had emerged from, took both of Vanessa’s hands in hers. Vanessa’s gaze shot up, and their eyes met.

“Can I kiss you?”

“God, please.”

Without waiting a second longer, Brooke tipped her head down and met Vanessa’s lips. It was somehow just like the first time, even though in many ways it wasn’t at all. This time, Brooke knew every single inch of Vanessa’s body, she knew her ambitions, her fears, she knew what it was like to have almost lost her and be lucky enough to have her come back again. But most of all, Brooke knew that she was in love with her, so fucking in love with her, this one of a kind girl who she was desperate to keep in her life no matter if Vanessa chose her to be hers or not. Their kiss was gentle and urgent and passionate all at once, and Brooke wanted to hold onto the moment forever. When Vanessa’s lips were gone and Brooke was all at once looking at her again, she had tears in her eyes.

“Hey, hey, ‘Ness. Come on, this isn’t…don’t be upset.”

“I am, though! I’m an idiot. These past two months we could’ve been kissing like that and going on cute dates and planning the future and having fuckin’ insane levels of sex but I left you hanging like boo boo the fuckin’ fool when I knew what my decision was the moment we had that conversation in the library, because it’s you, Brooke, fuck, it’s always been you. I love you so much,” Vanessa sniffed, frantically wiping her tears away as Brooke pulled her against her chest. Vanessa’s voice murmured against her, the most hopeful, plaintive question. “Do you still love me?”

“Fuck, Vanessa, of course I love you. You’re just…the person I was meant to meet, you’re the person I’m meant to have in my life. I love you so much.”

Brooke felt like an idiot as tears began to well up in her own eyes. She looked down at Vanessa and she looked back up at her.

“You’re leaving,” Vanessa let out a tiny sob, her forehead hitting Brooke’s chest again.

“I’ll come back,” Brooke said immediately, meaning it. “Honestly, I will. I’ll book my flights as soon as I’m home. I’ll look for flats and jobs and we can start again. We’ll make it work. I want to be with you.”

Vanessa looked up at her, her happy, grateful smile at Brooke’s words all she needed. She let out a tearful laugh. “Brooke Lynn, will you be my girlfriend?”

Brooke laughed too, taking her both her hands and squeezing them. “Hey, fuck you, I wanted to ask first!”

They both laughed then leaned in for another kiss. Brooke didn’t need to answer. Vanessa hadn’t needed to ask.

As they broke away and wrapped their arms around each other, Brooke felt the tears spring up in her eyes as she looked over at the girls. There was Akeria, making some quip about something, and Silky howling at whatever it was she’d said. Monet had joined them all and was swigging the cava out of the bottle, an arm around Nina who was looking at her with adoration. Scarlet and Yvie were telling them both a story, their hands intertwined and their bodies close. Plastique had dragged her Mum over to meet them all and her face was animated as she spoke to her, so full of happiness and excitement.

“Fuck, Vanessa, I can’t believe it’s all over,” Brooke let out a small sob. Vanessa reached up, swept her tears away with a gentle finger.

“Hey. Don’t cry because it’s over. Smile because it happened.”

Brooke smiled down at her girlfriend. Her girlfriend. There was nobody she’d rather have spent the past three years with.

“You wanna go steal that cava back from Monet?”

Brooke giggled and nodded. Joining their hands together and giving them a little squeeze, they walked back over to be with their family.

[getalittleclosey]

100k+ larry fic rec

hi! i’m becca and i read...so much fic. these rec lists are an accumulation of fic that i’ve read or reread and extra loved from 2016-now. there’s a wide range of stuff here and i think there’s definitely something for everyone!! i divided them up by length so you can check out all those categories below!

please make sure to read tags and warnings on all these fics!! the only things i think i can guarantee is that these are all larry, there’s no non-con, no age play, no eating disorders, no mentions of bg, they end happy, and they’re mostly aus. oh and they’re all on ao3 and some are locked so you’ll need an account! anyway i hope y’all enjoy!!!

under 5k

under 10k

under 25k

under 50k

under 100k

☆ with a whimper by kitundercover 133k

Dystopian AU. Louis has been alone for too long to remember how not to be, and Harry has too much to worry about to deal with a scrawny, wild, stranger. ---

The man grips his arm tightly. “You’re not going to say anything.” It’s not a question.

Louis shakes his head, his body twitching.

“Fine.” Large green eyes survey him before letting go. “It’s cold. Take this. Wear it.”

Louis can’t help another flinch as the man’s long scarf is wrapped around his tender neck, it’s still warm. He touches the soft material. “Thank you.”

The man bears his teeth. “Don’t thank me. Don’t ever thank me.”

☆ never be by cherrystreet 118k

Monica: You've got to see her again. Ross: And why do you care so much? Monica: Because! You could get to live out my fantasy! Ross: You had fantasies about Emily? Monica: No! Y’know, the fantasy! Meet someone from a strange land, fall madly in love, and spend the rest of your lives together.

The one where Harry Styles moves to Connecticut from England for nine months as a part of a study abroad program, and he just so happens to move in with Louis Tomlinson and family.

☆ that sounds fake but okay by dancingontheceiling 113k

Harry Styles is a rookie journalist forced to work the gossip desk at a major New York magazine. Louis Tomlinson is the A-list actor who doesn't appreciate Harry or his articles.

☆ if it kills me by you_explode 111k

Harry and Louis have worked together in a difficult office environment for six years. They're best friends; Louis is the bright spot of all of Harry's days. But Louis is in love with Harry, and Harry's engaged to someone else. And that's only the beginning.

The Office AU. More or less follows the first five seasons. A lot of pining and misunderstanding the depth of feelings and rejection and angst, until there isn’t.

☆ shake me down by agreatperhaps12 209k

Harry's new to college, fresh out of Catholic school and conversion therapy camp, and Louis runs the campus LGBTQIA organization.

☆ love is a rebellious bird by 100percentsassy, gloria_andrews 135k

AU in which the boys still make music. Louis is the concertmaster of the London Symphony Orchestra, Harry is the New! and Exciting! interim conductor/ex-cello prodigy who "has made Mozart cool again" according to Esquire Magazine (Louis hates him immediately, which is definitely why he internet stalked him in his dark bedroom late at night that one time), and Niall is the best. Zayn and Liam are around too.

Don't hum Bolero.

note: i fucking love this one. my current car is named thunder because of it (all the cars i’ve leased over the last 9 years have been named after vague larry fic references)

☆ one more time again by orphan_account 232k

Harry looks down to where Louis is cradling his hand between his own. Louis' hands are slender, the bones delicate, the nails bitten short. The 2-8 on the backs of his fingers is gone, but the faded scar from a skateboarding mishap in Year 7 is still there.

Harry's hand is awkward, knobby-boned and naked, no rings, no tattoos. It's too big for his wrist and his wrist too big for his arm. Yet it still somehow fits in Louis' in the painfully perfect way it always did.

He blinks back the sting in his eyes.

On the morning of his second sold-out performance at Madison Square Garden, Harry wakes up to find that he's sixteen years old, on The X Factor, and that he has a chance to make things right.

A canon-compliant fix-it fic (sort of).

note: there’s a 15k second part

☆ soft hands, fast feet, can’t lose by dolce_piccante 113k

American Uni AU. Harry Styles is a frat boy football star from the wealthy Styles Family athletic dynasty. A celebrity among football fans, he knows how to play, he knows how to party, and he knows how to fuck (all of which is well known among his legion of admirers).

Louis Tomlinson is a student and an athlete, but his similarities to Harry end there. Intelligent, focused, independent, and completely uninterested in Harry’s charms, Louis is an anomaly in a world ruled by football.

A bet about the pair, who might be more similar than they originally thought, brings them together. Shakespeare, ballet, Disney, football, library chats, running, accidental spooning, Daredevil and Domino’s Pizza all blend into one big friendship Frappucino, but who will win in the end?

note: there’s a 5k second part to this

extra note: idk if this is an unpopular opinion but i’ve always preferred this over escapade or rntm

☆ paint me in a million dreams by green_feelings 113k

Harry's one of Hollywood's biggest actors, has made a name for himself in prestigious films and lives the life of a superstar. There's just one thing missing to make it picture-perfect, but the one Harry's in love with is completely out of reach for him. Enter Louis, one of Hollywood's biggest actors himself, who just came out of the closet and taps new genres in the industry. When Louis sacks the role Harry auditioned for in Scorsese's next big film, their irrational feud starts. Who could have guessed it would get even worse when for promo season, their teams decide to present them as a couple for publicity?

In short, Harry's in love with someone and doesn't care about dating anyone else, Louis never felt home in L.A., Liam writes love songs for someone he shouldn't write love songs to, and Niall makes everything better with good food.

☆ walk that mile by purpledaisy 150k

Harry stares at him, the line of his jaw standing out scarily. “I wanted to get the most out of this trip so I planned it carefully.” His voice is low and steady and somehow that’s worse than when he was yelling. “So far, you’ve put your sticky fingers on everything I’ve tried to do.”

“Sticky fingers?” Louis repeats, offended. “Are you saying it’s my fault you got stung by a bee? Had you been alone you would have gotten halfway to the Dotty Diner and ran the car off the road because of an allergic reaction, so don’t go blaming me.”

“Polk-A-Dot Drive In,” Harry spits before getting out of the car. He slams the door shut with a deafening reverb and Louis rolls his eyes. - A Route 66 AU where falling in love was never part of the plan.

☆ landslide by aimmyarrowshigh, spibsy (lucy_and_ramona) 143k

The year is 1976. In November, Jimmy Carter will take control of the White House. Americans are meeting Laverne & Shirley at their apartment in Milwaukee. Hotel California diverges from the reign of Kool & the Gang. And the FBI is still reeling from the repercussions of Watergate, the tragedy at Wounded Knee, Operation Family Secrets, and the strategic terrors of the anti-cult movement.

That's what Special Agent Harry Styles has been told is the basis of his mission to an abandoned farmhouse in rural New Hampshire.

With his hair grown out long and his shirt untucked, he's going undercover to do reconnaissance on suspected cult leader Louis Tomlinson, who has led a group of people out into the middle of nowhere, leaving no record of the life he'd had before. All Harry knows is what the agency gave him: Tomlinson's name, and instructions to figure out what he's doing with the eleven people he brought with him.

In the year that Harry spends undercover and under Louis Tomlinson's wing, he learns more than he ever expected.

note: i will rep this fic until the day i die. even my mom knows how much i love landslide

[ill-skillsgard]

Patterns in the Ivy, Part 6 - Bill Skarsgård

Title: Patterns in the Ivy

Description: A continuation of Smoke & Money. Ghosts from the not-so-distant past come back to threaten her. She must choose between a lavish life of servitude or have everything she ever loved stripped away.

Warning: 18+ smut/swearing/mentions of drugs/kink & fetish themes

Part 1 Part 2 Part 3 Part 4 Part 5 Part 6 Part 7 Part 8 Part 9 Part 10 Part 11 Part 12

Nobody took the news of us moving as hard as Kiki did. When I told her, she cried. Then I began crying and the realization that the only important thing I would be leaving behind was her friendship. She had helped me through a lot of dark days and I felt like I was abandoning her with barely a warning. When I told her these things she shook her head through the tears and said, "No, J, this is what you want. Imagine all of the things that Ivy will be able to do. All of the things that you will be able to do because of him." I stared at my feet, ashamed for my past self yet high on the thought of moving back to the glamorous West Coast, into Bill's estate and sitting second to him, a King, dressed in the latest fashions and drunk on the affluence of his private desires. Although I didn't bear upon my excitement in the slightest, these fantasies were materializing quickly. I cried for the friendship that had gotten me through the harsh realities of living as a runaway but I did not allude to how I was now yearning for my taste of wealth. Not even to Bill. On the outside, I appeared calm and asserted but I knew that my thoughts were caught in a roundabout. I was excited for us, for Ivany and for the new way of life that Bill had already begun to wrap us up with but I was dreading the questions that were sure to follow after I told Kiki and Ivany's teachers at school that we would be pulling her out a month early so we could move. Kiki understood me. She always had. That's what made her such a good friend. She knew the struggles I had gone through at the hands of greedy men and how hard it was to fit into the mold of what most would deem a normal life. I promised her that we would come to visit or that she could come to visit us when she insisted if anyone was going to be hospitable, it would be us with all of Bill's money and his huge home and his fancy cars. As long as I gave her a glimpse into the new, exotic and luxurious life I was being swept off to live, she would forgive me for leaving. Bill paid off my lease so that we could move without a hitch. He had been persistent on us to take as little as possible since we would be flying across the country as soon as Ivany's last day of school was done. I didn't want to yank her out of school so quickly but Bill insisted we go as soon as comfortably possible since he had been putting work off for as much time as it had taken him to find me and coax me into returning home with him. It all seemed to happen so fast that when I turned around, I was staring at the front door of the little townhouse Ivany and I had spent almost her entire life in, bags packed with enough clothes to get us through a couple of days, ready to load into another one of Bill's rentals to speed off to a small airport where his private jet was stored. "J, are you ready? Ivany's in the car." Bill's voice sounded from behind me. "Oh, uh, yes. I'm ready." I felt his fingertips at the base of my spine and they trailed downward comfortingly. He bent forward and stopped when his lips were next to the shell of my ear. "You won't miss this. I promise you," he said with his mouth pressed to my hair. I turned to him and saw that he had on a reserved smile with one hand plunged into his trouser pocket and the other one reaching out for mine. I stared down at his wide palm, long fingers clenched together in an offering. I slid my fingers over his and remarked to myself how comically large his hand seemed to mine. He was right. Once we drove off I hardly felt the nag to look back. Of course, I still felt a swelling of sadness in my chest but when I saw Ivany holding Bill's hand the way I just had, nothing else mattered. We spent most of the ride to the hangar talking to Ivany about flying on an airplane. She seemed so happy that I forgot about everything that had been weighing me down. I stopped constantly remembering my past, the worries I had about paying bills and my shitty car and our tiny townhouse. I displaced the fear of being alone after Ivany went to bed. Now that I was with Bill, nothing was going to be the same. My years-old worries had dissipated further and further into fragments, specks then molecules before they were completely gone before my eyes like a fine vapor carrying off to invisibility. The private plane was a whole different experience that I never envisioned myself having. The whole concept of us flying on an airplane with just a pilot and one attendant baffled me. I tried not to show how impressed I was but when we drove up to the plane and walked up the steps and I saw the interior of it I couldn't help but scoff at over-the-top it felt. Ivany was naturally amused beyond belief and could hardly contain her excitement when she saw what was in store for her. Bill boarded right behind us and showed Ivany that there was a TV she could watch or places she could sit to read or draw and I had never seen her eyes go so big and round. The plane could have boarded twenty people but it was just us, the puffy white leather seats, tables and throw pillows and a blond flight attendant that had a game-show style smile plastered to her face. "Welcome aboard Mr. Skarsgård," she said, even going so far as to adopt the Swedish accent when she pronounced his last name. Bill nodded in her direction as he unbuttoned his blazer, revealing more of his navy blue button-up shirt underneath. I was overcome with a fear that I may not look as qualified as he did to be on a private jet. His outfit was intimidating, his shoes shot out from the ends of his long legs, the colour of caramel with a pointed toe and twice as shiny. His hair was all combed back and held there with a touch of wax and he smelled like the best cologne money could buy. Then the panic started to settle in and I grew quiet. I took a seat and just relaxed there for a moment to catch a breath and calm my pounding pulse. Luckily Ivany was nowhere near as nervous as I was and provided an incredible distraction between Bill and I. It wasn't flying I was afraid of. I had flown all over the States and was no stranger to it. My problem was the way Bill was dressed and the cylindrical ottomans and the plastic Barbie of a flight attendant and the fact that you could comfortably fit an entire sports team on the plane and then some and how I wasn't dressed for the occasion. The voice shouting you don't belong here kept repeating itself over and over and then morphed into something more like you don't deserve this. "Daddy, can I sit beside you?" I heard Ivany ask. Daddy. Yes, I thought, Daddy indeed. Sugar Daddy 2.0 and I was playing pet and wife and I had no clue what he did for a living. Was I sitting in a Mafia procured aircraft? Was I taking my daughter back to my homeland to live with a criminal? It was far too much to think about all at once. I knew Bill had friends and money but an old CEO of a beer coaster company who had erectile dysfunction had once told me that rich men didn't have a lot of friends and if they did then you knew they were dirty. He told me about partying with the richest of the rich and how mountains of cocaine really did exist and these Wallstreet tycoons would all take turns railing fat lines off of hookers and strippers every night. He was an old client of mine and probably one of the richest I'd ever had besides Bill. Sometimes all they wanted to do was talk and sometimes I remembered what they told me. I peered over at Bill and our daughter and he didn't look up once from the yearbook that Ivany had been toting around with her. Could he be the leader of a drug ring? I wondered this instead of thinking about how obviously underdressed I was to be sitting in such a luxurious chair inside of a million dollar plane. I tried to picture Bill up late at night in the middle of an unused warehouse that hadn't completely lost its purpose, sitting with a bunch of hard looking guys, talking business. In my vision, he was smoking a cigarette and maybe letting the conversation take its own way among his boys as he sat back absorbing information in the calm stoic way he had about him. Or maybe he was the type to really enthuse about his product. Cocaine, maybe heroin or meth. No, definitely not meth. Something expensive though. "Miss? A drink?" The attendant's voice shook me from my reverie. I looked back again and Bill and Ivany were both staring at me. "Um, no thanks. Oh, a glass of water." I said. "Darling," Bill called over to me. "Have some wine, you look tense." Ivany looked between the three adults on the plane over and over until her eyes settled back on the book in front of her. Normally I felt unsure of drinking in front of my daughter but when Bill nodded his head I felt like I was obligated to. "Sure," was all I managed. Once we were up in the air I started to calm down and with a glass of wine, it took the edge off of the anxiety that was shiving me in the spleen. Bill's fucking plane, of course, had WiFi and a Smart TV so Ivany could watch literally anything she wanted. I was grateful for the distractions until Bill stood up and came to me. "You can relax now." He said. "I know." "You get nervous flying?" "Not normally, no. It's just... This is weird." Bill fawned over me, running his hand through my hair. "You'll get used to it." What I really wanted was to get some time alone with Bill that didn't necessarily involve getting fingered in a restaurant or eaten out in the back of a moving vehicle or spanked in a hotel room. I needed some genuine conversation with this man that I hardly knew but had a child with. I wanted to know how he got where he was, about his family and his childhood and his hopes and dreams. What was I moving our tiny little lives into? Who was Mr. Bill Skarsgård exactly? Entrepreneurial hotel owner or drug lord? He excused himself to go speak to the pilot and left towards the cockpit. Once he disappeared behind the heavy velour curtain I turned my body around to see what Ivany was doing. "Hi, honey. Having fun?" I asked her. "Yeah, look out the window Mommy!" "I know sweetheart, we're up in the sky!" "I can't believe it." "It's amazing, isn't it?" Ivany nodded. "Daddy went to go talk to the pilot." "That's right." I had another conservative little sip of my wine. As much as I wanted to drain a bottle of Merlot to myself, I didn't want to start catching a buzz on a plane with my kid right there and my anxiety level fluctuating. I also didn't get too comfortable in my seat, especially once I heard a bout of giggling coming from the front of the plane. Bill threw back the curtain and I saw the remnants of a smile on his face and the flight attendant seemingly blushing. "Alright, see you later." He dismissed himself. I watched him stroll back over with a sway that had been absent on his way there. It made me really uncomfortable real fast the way I saw that flight attendant beaming at him in the kind of a way I would look at him after he called me something like darling or sweetheart or little girl. The wine suddenly started to taste really good and as soon as the attendant was in my sight again I raised my empty glass. "Excuse me, ma'am? Can you bring me another one of these?" "Certainly," She replied promptly, coming to take my empty glass from me. "Mommy, you should come over here and play with me and Daddy." Ivany's little voice called to me. "I'll be right over." After the attendant brought me a new glass of wine I graciously accepted it but not without peering at her for a couple of extra moments just to make sure she knew I wasn't going anywhere. I stared at the back of her head, blond hair all tightly wrapped in a bun sitting low on her neck, the tight little pencil skirt that exaggerated the curve of her ass. I looked back at my soon-to-be-King and tried to picture him fucking her. He could, I knew, but whether he had or not remained a mystery. I just didn't like the way she smiled whenever he spoke. My annoyed inflection was apparent for the entire flight and even after we landed. Though the sun was warm and I really was excited to be back on the West Coast, my suspicions had only grown worse when, before arriving, the flight attendant spoke to Bill and gently laid her hand on top of his shoulder for a second too long. The jealousy I was feeling was completely uncharacteristic of me and that alone was the cause for my irritability. Envy was a new colour on me that I didn't quite like and Bill could tell that there was something storming inside my head too. All I could picture was how many times he had wrapped those long fingers of his around that flight attendant's throat and pushed her up against a wall. Did he treat her the way he treated me? Did he whisper mine in her ear as he used those same fingers to fuck her with her forest green pencil skirt still on? The trip from the airport to Bill's estate was a long and quiet one. Luckily I was able to occupy my thoughts with the sentimentality of driving down familiar highways. It had been years since I had gone back home and I honestly never thought I would again but as we passed familiar landmarks my soul filled with the warm cure for the homesickness I didn't know I had. Looking at Bill's face, being in the back of an expensive rental car with our daughter bobbing in and out of a nap felt familiar in the way one might experience a cripplingly uncanny case of deja-vu. When we took an unexpected exit off the highway I looked at Bill, questions making themselves evident in my expression. "I forgot to mention that we moved." He told me. "You're not in the city anymore?" A tasty little smirk spread across his lips. "Just on the outskirts now. More privacy." He hadn't been kidding about the privacy part, when we finally got off the highway we drove down a pencil mark of a back road until we reached an area of rolling hills that had been excavated exclusively for the filthy-rich. Multi-million dollar homes sat atop of hills with winding driveways, cascading windows, carports fraught with fast cars, brand-new gates that were so recent you could practically smell the fresh cement. Some of them even had horse stables that drew Ivany's attention more than anything. "Horsies!" She exclaimed. "Do you like horses?" Bill asked her. "Yes, I love them!" "What colour horse would you want?" "I like white horses, like Maximus!" Bill looked to me, smile unwavering. I cracked a smile of my own and said, "she's talking about Tangled." It was cute to watch Bill pretend to know what Ivany was talking about. I couldn't envision a young Bill being interested in movies at all. It was another thing that made me realize I had no idea what his childhood was like. There was so much mystery surrounding him I couldn't even concoct a scenario in my mind of what he would have been like as a kid. Ivany explained the entire plot of the movie to her father and hadn't finished by the time we pulled up to a massive wrought-iron gate flanked with gnarled blue oak trees and pines so that what lay beyond it was completely unobservable from the road. Through the tinted windows, I watched the driver reach out from the car and wave a small fob over the sensor of a keypad just below an intercom speaker. The ten-foot tall gate creaked to life and began slowly shifting away, grinding heavy but smoothly on its tracks to allow the car through. I held my breath as we drove through, winding around a collection of trees that could only be described as a small forest. When it cleared I could see the house and it was a departure from what I had pictured in my mind. When I thought of moving back home I expected Bill's Victorian-style manor in the city where we had met for the first time with the roundabout driveway and the pillars and the easy access into town. The property grew bigger as we approached or rather, we grew smaller in its shadow. The structure was reminiscent of the Renaissance, with stone archways, red crosses marking the front windows, stone parapets and turrets thrusting into the sky like swords. The front entrance was atop a set of carved stone steps that took a gentle turn left beneath an overhang. The building was nothing short of a small chateau and Ivany agreed. "We're going to live in a castle!?" She shouted, her hand planted on the glass of the window. "Of course," Bill said to her. "Isn't that where most princesses live?" The pure unadulterated joy that she displayed was elating not only to me but to Bill as well. She rushed us to let her out of the car so that she could stand before the manor and stare up in awe as our bags were taken in. We stood in a cluster, a tripod of a family in front of the stairs leading up to the entrance. Bill stooped down to kiss Ivany on the cheek and whispered, "welcome home, Princess Ivy." She followed the driver to the front door, swinging and lifting her little legs up each stone step behind him. I had never seen her so eager before. I followed behind her to make sure she didn't go reeling backward with excitement and Bill trailed me closely, hand grazing my hip, little laughs escaping him as he observed all of the animation taking place. As I suspected, the interior of the manor exceeded even Bill's standards of luxury. Although there was a modern-day style of minimalism, whereas there wasn't much in the way of furniture, everything else was decked and dressed in Persian rug, velvety damask, crystal, polished wood, shining marble and well cared for antique brass. I had no idea why Bill required a bigger house than the one he had in the city but I held my tongue and asked no questions. That was right up until he showed us the bedrooms. Ivany's room was going to be redecorated to suit her four-year-old tastes which meant everything in purple, new drapes, a new bed and a redesigned walk in closet for her soon-to-be new wardrobe and toys. There was one window in the room that was covered in heavy linen drapes that Bill opened so the sun could pour into the room. He beckoned Ivany to his side and lifted her so she could see out of the window. "Do you know what that is?" He pointed. "Yes. That's a stable." "Do you know what goes on a stable?" "Horses!" "That's right. We'll have to find you a white horse to live in the stable." "MAXIMUS!" Ivany shouted. I walked around in a daze, my eyes never finding the same place to settle on twice. The extravagance of the manor was nothing like what I was expecting and there wasn't a thing that could have prepared me for it. "This house is... Gigantic. I'm going to get lost in it." I said more to myself than to Bill. "There will be plenty of time for wandering but for now, I want to show you your room." "My room?" I asked. Ivany had already busied herself unpacking her bag so she could set up her toys and put away her clothes as she liked to. She wanted her velveteen rabbit on the massive bed but there was no chance of her being able to hoist herself onto it. "Are you fine staying in here for a while, Princess?" Bill asked her. "Yup! I'm going to put my dolls together on the bed." He went to her and lifted her onto the bed along with her suitcase and made her promise to stay there for a moment. I knew that she would have no problem staying put but I didn't say anything until we left the room and continued down a hall big enough for a train to pass through. "What do you think of this place?" Bill asked as he led me down the corridor. "It's... A lot." "Do you like it?" "Well, of course, I do. Who wouldn't?" Bill stopped in front of a set of twin doors and turned towards me. The light coming in from one of the cathedral style windows was just enough to cast shadows over the painting frames, the antiquated accent tables, and his face. When he opened the door for me I stepped into a room that was not from our time. There was a canopy bed fat with scarlet and silver pillows, the headboard crested with hand-carved filigree the colour of bleached bone and four posters carved from mahogany. A bedside chest of drawers was home to a brass lamp in the shape of a willow tree, its branches tear-shaped crystals that twinkled as I walked in. All in all, I was absolutely speechless for so many reasons that it made me want to sit down. It was happening so fast and I was coming up with more questions on top of the questions I already had. Bill noticed that I was becoming distraught because I simply couldn't hold it back any longer. "What's the matter?" He asked me. If I had an iota less of self-control I would have felt my lip quiver but I took in a deep breath and searched for the right words to say to him as he stood there in front of me with his eyebrows raised. "My room? You mean we're not... We're not-" "Sharing a room?" He finished my sentence. I knew if I tried to say anything else I might start to waver. Bill relaxed his shoulders and took his hands out of his pockets, expression softening as he approached me. I turned my face away so that he wouldn't stare directly into my watering eyes but he was persuasive in the way that he wrapped his arms around my shoulders and pulled me into him. "I'm not going to pretend like this isn't a huge fucking deal for you. I know what it means for you to be here. I know that I plucked you and Ivany out of your cozy little life and threw you across the country, trust me. It's going to take time for us to grow accustomed to it all and I just figured it would be appropriate to give you your own space for now." He softened even further when he saw my eyebrows furrowed together. "I don't have all of the answers." He added. "I get no answers from you, ever. Why do you even want me here? What am I to you that's so important you needed to drag me back?" Bill's grip tightened on my elbows. "Listen to me, all you need to know if that I want you here. You are mine and you are the mother of my only child so I think that elevates your status from call-girl, don't you think? I want what's best for us and for her. Don't take offense because I offered you a room of your own. I thought you would be a little more gracious." "I am, Bill. I'm grateful, I'm in awe of you, I cannot believe what is happening but it's freaking me out a little bit." "Why?" "Because I have no idea who you are! I don't know what you do or why you have a fucking palace and I don't know what my role is in your life!" Bill ran his tongue over his teeth in preparation for his retort. "So you want a label? Is that what you want? Will some out-dated, superficial term give you comfort? Or can you just accept what is going on around you? Can't you just be happy with what I'm offering you? We can work out the details as we go along but for right now you need to trust me and just live in the time I am giving to you." Our eyes smoldered at each other. His brows were clenched and that alone intensified his entire expression. The look he had on was absolutely menacing and for some reason, I wanted to tread further just to see where it would take me. "You want an obedient little house pet." "Just one little facet of the overall person I know you to be." "You don't know me at all." Bill grabbed my cheeks with one hand, pinching my face as he snarled, "I want you to be a good little girl and live with me in my fucking castle with our perfect daughter who is about to turn five and I want to own that cunt while you help me run the fucking world. I want you to stop complaining and spend my fucking money on shit that will make you two happy and at the end of the day, I want you to worship at my feet and make me come because you know..." His voice dulled to a low whisper. "You know that Daddy's going to make you come ten times harder, isn't that right?" I felt my flesh crawl and my knees weaken when Bill let go of my face. "You're already here, J. You made it. You're the Queen of this castle... But everybody knows that she still answers to the King." He told me. "Okay... Fine." "Does all that sound good to you?" "Yes." "Yes, what?" He growled. "Yes... Daddy." As soon as the word left my mouth I watched his teeth graze his bottom lip and he pulled me in close to him, tipping my face up and licking his lips before kissing me long and hard. When he pulled away he whispered, "that's my good girl. Now, we're going to have a really nice dinner together as a family, then we're going to put our child to sleep, then we're going to the master bedroom and Daddy's going to make you remember why that pussy belongs to me." "Yes, Daddy." "You want to play with me?" "Yes," I squeaked. "You promise?" "Tell me. Tell me you want to." "I want to play with you, Daddy." "You're going to have to prove it to me tonight, kitten."

[meggannn]

LOL YOUR ROOMMATE?? I can't stop laughing omg

god did i ever share the full story of what happened with my housemate last year? i think i bitched about her a little bit but here’s the full write-up of my six months with that housemate. unedited and probably full of errors and discrepancies sorry cause im going off entirely from memory

i’ve now moved out of this apartment, but i was there for a year with three other girls. two of them i got along with fine, and we introduced ourselves to each other before we moved in because that’s common courtesy to see if we get along right? but basically before any of us could talk or interview candidates for the last spot in the apartment, this girl, i’m making up a name and calling her emily, this random girl named emily basically came in and signed on for the spot on the lease without talking to any of us. uh, okay? so we eventually all get in a group chat and talk and introduce ourselves and plan to move in. day one:  emily moved in before me and i moved in a few hours later. i walk in and see the kitchen and she’s already covered the fridge with magnets and pictures and paper clippings featuring…. herself. like, a few of them had her friends, but most of the pictures were of her. basically. am i crazy or is that fucking weird? so from the get-go she just seemed……. if not privileged (which i also knew she was later), then definitely some sort of weird type of entitled but i couldn’t tell if it was maybe just cultural differences? (she was russian but had grown up in the states. idk)

anyway. she had this boyfriend who would come over occasionally, it was no problem since we didn’t talk and just waved hi to each other occasionally. but from the first week she and another housemate who lived on the far end of the apartment were both having trouble sleeping because someone else on the floor was blaring their tv loudly all hours of the night in the room next door. after several weeks of not being able to sleep through the night, they’d pretty much had enough and managed to track down whose apartment it was, and it turned out to be this elderly black woman’s apartment. i don’t really know if the woman understood why they were so upset because i think she might have been going slightly senile as well, so i think maybe the tv, or the volume, was something she wasn’t entirely aware she was doing? but the other housemate, i’ll call her veronica (who is more chill but was still upset) understood that this was probably not a fight they wanted to pick. veronica noticed that the elderly woman had a middle-aged male visitor, who looked like family, come visit the woman a few times a week and take care of her/take out the trash etc, so veronica decided to wait until she saw the visitor again to talk to him about lowering the volume or turning the tv off, or maybe getting his relative headphones or something. but emily, like….. kept pushing it every single night. every single night for the first month or so she’d stomp across the floor and rap on the door loud enough to wake up the entire floor (the walls were thin and it wasn’t a big building). and most of the time the woman didn’t respond, but there was one notable time someone else got fed up enough to wake up at 2am and yell at emily (deservedly so) for waking up the whole hall. all of which i heard very clearly because my room was next to the main door to out apt.

things escalated when i overheard emily talking to her friend on the phone about the situation and then she mentioned that in retaliation, she went over in the middle of the night and put vaseline on the woman’s door handle. i was kind of stunned and disgusted that a grown ass adult (she’s at least a few years older than me, i’d guess late 20′s/early 30′s?) would do something like that???? but anyway a few nights later iirc, once again in the middle of the night, i was woken up by a shouting match down the hall because apparently the male relative had come back to check in on who he said was his mother, and HE WAS PISSED, UNDERSTANDABLY SO, AT FINDING MY ROOMMATE IN THE MIDDLE OF PUTTING VASELINE ON THE FLOOR CREVICE UNDER THE DOOR. LIKE. THAT’S NOT JUST PETTY BUT REAL FUCKING DANGEROUS TO DO TO AN ELDERLY WOMAN. he basically shouted at her and she kept talking about how she can’t sleep for months because of the noise, and whatever, but she stomped back to our apartment and they had this argument loudly at the door (remember, my room was right next to the front door). i listened to it for a couple minutes wondering if she would like, acknowledge what she did was wrong? and it became clear that she was so focused on the noise she wasn’t listening to this dude, so i came out and i tried to be a voice of reason. the guy was understandably really pissed that she would do something like that and i apologized for her and said she was wrong to do that (she had stomped off back to her room meanwhile) and he seemed grateful to talk to someone who wasn’t batshit crazy in the meantime so he mentioned that he had grown up in this building all his life before moving out so it hurt to see someone treat his mother this way who had lived here for 50 years or something. and after that i was just thinking like, jesus, this is so not the kind of fight you want to have with a family like this as a white woman in a gentrified apartment complex. like at some point you need to realize this is not your fucking place and if you must settle things, do it civilly or just dip out entirely.

i think emily eventually apologized and he accepted and they found out that the tv wasn’t even coming from the woman’s room at all, but from someone on the floor above who THEY also had had problems with for months.

veronica was away on a trip i think during this climax, but before, while it was still escalating, i was talking with veronica and veronica mentioned she and emily had bitched about the noise to each other often, but veronica said she drew the line when emily basically started making her complaints race-themed ever since she found out the elderly woman was black. etc the complaints turned from “it’s too loud” to “this neighborhood is so ghetto” and “that’s what black ppl are like” and stuff like that. veronica wasn’t cool with that, so she planned on handling any other complaints herself directly so she could resolve things like a normal person, but ever since veronica mentioned that i knew emily was a pos

emily also complained about people partying/drinking on the street outside till ~11pm, which imo isn’t too unreasonable, like normal people do, and basically being too loud or whatever. on some level i get it cause she had to go to sleep early to go to work early, but also at some point i was just wondering how she functioned as a human being in the real world

ANYWAY THE STORY I TELL AT PARTIES IS THIS ONE, THE ONE IN WHICH SHE LEAVES (i will try to keep this as short as possible while still giving you all the details you need to understand just how fucking weird it was):

in early november, emily group messaged everyone asking if her boyfriend could come live with us. to her credit she said she wouldn’t do it unless everyone was ok, and she waited to hear back from all of us. i was out of town at the time but i remember being really put off by this idea and i was going to say no, when i noticed that my two other housemates had ALREADY said yes in the chat. just like that. i was stunned. what? like, no follow-up questions or “we dont even really know him” or “how is this gonna work”? were they fucking insane?

i messaged her privately saying i really wasn’t comfortable with it, for xyz reasons. among those being 1) rent, because nowhere did she offer to split the rent five ways instead of four (they were basically going to split her room between them, which, no). 2) fridge/living space, which was small enough with four people to one apartment as it is, and 3) just overall “i dont fucking know him” atmosphere. she messaged back saying she understood, and i got to asking why this was so important to her to do now, because she mentioned she wanted to do it “asap” if we’d said yes.

and this is where my “no” turned into “hell fucking no.” she told me this:

in response to my question of if she’d want to put him on the lease, she said no, she wouldn’t want her boyfriend on the lease in case “something happens so she could just tell him to leave” (raising my question: what, exactly, do you expect to happen? maybe the landlord, who lives in the building, finding out someone’s living here illegally? bc THAT WOULD DO IT FOR ME)

she was marrying him in december which is why she wanted it to happen “soon” so they wouldnt be living apart. i asked why she couldnt just wait until the lease was up to do all this, to which she said:

her boyfriend’s green card (he was russian) had expired so he was now paying month to month and that’s when i realized, oh. bitch he’s using you for a green card marriage and you’re trying to inconvenience all of us instead of owning your life like an adult, or something

at some point during the conversation she like tried to bribe me with a couple hundred extra dollars per month “to cover the cost of the extra utlities/wifi/inconvenience,” which i politely declined. this was when i said basically “look i never got the sense you particularly liked living here (massive understatement) and i think that it’d work out best if you moved out, which you’re clearly already planning to do”

and she did start looking immediately. at some point while she was looking i overheard her talking to veronica mentioning that he was a huge fan of putin and she’d asked him to like, politely, stop?, lmao because she didn’t like his entire yknow politics, and he basically said “i’m sorry, i can’t betray my personal/national identity, i just really believe in putin” or whatever the fuck and i thought to myself, this bitch is marrying him anyway for some godforsaken reason

i don’t know why i hoped that she would be any more considerate moving out than when she moved in, but somehow i was still surprised when the sublet she picked out was someone she never introduced us to or mentioned before, she literally just said “hey here’s your new housemate and when she’s moving in” and dropped us a phone number and facebook page.

one last thing: while emily was moving out, veronica mentioned to me that she was really pleased i stood up to her because she felt massively uncomfortable with the situation too. i asked why she didn’t say something, and she said she talked to emily privately airing out her problems, and emily had managed to talk her into accepting that sort-of bribe privately off message, and emily told her ‘just say yes’ in the chat, so she did and was kind of kicking herself for it after. (our other housemate was off doing fuck knows what at this point; she was gone for weeks on end leaving us to take care of her guinea pigs for her with little to no warning.)

but then, veronica says, the big thing that astounds her is that this wasn’t even the same boyfriend who she’d had when she’d moved in. six months had passed by this point. SHE HAD BEEN DATING GREEN CARD GUY FOR LIKE, THREE MONTHS WHEN SHE DROPPED THIS ON US

and then she moved to fucking harlem, one of the yknow most diverse neighborhoods in the city known particularly for its black heritage, so i guess have fun honey

(her replacement somehow turned out to be just as bad as she was, so you can imagine why i was eager for my lease to end in may)

[ikonislife]

Cold No Longer.

- Chanwoo x Reader

- New year drabble

- Continuation of Cold.

Cr. Ikonis

Part 1: Cold

A full 2 years it has been since you last wander the streets of this quaint city, a full 2 years since you had seen him. In the long 730 days since you left, it had dawned upon you that the familiarities, the craving ignited in your heart to once again see the same shops lining the street and the old friendly faces, the nostalgia could easily be solve with a packed duffle bag and a train ticket. Never once did the enticing calls of the past had won, not even as you nurse the 3rd glass of wine, letting yourself wallowed in loneliness  as the world in front of your eyes blurred from tears as your would be anniversary ticked by.

Partially because this place had always been bittersweet in your mind from the many lessons it provided in your the short period of time you since your existence on this Earth... Partially because it reminds you of him.

You know showing up to the place you once called home meant risking running into the person you both despise and love, wanting nothing more than to avoid till the day the Earth die but also needing, craving for just a glimpse to sooth your healing heart at the same time. So it’s as good a time as any to take utilize your holiday days off to once again roam this old haunt. At the very lease shall heartbreaks happen, the plentiful holiday decoration will soften the blow... 

You had heard a year later from an old friend that Chanwoo had moved, graduated college and no longer the baby face freshman that was your boyfriend. He had gotten accepted into a fancy university and on track to become the man you always knew he could be had he not fallen into the wrong crowd in high school. 

Yet funny enough, if he had been excelling academically, that would meant he would never needed your tutoring service and so your amazing relationship, albeit the painful parting, would’ve never came to be. You remember exactly the moment your breath was taken away by that cheeky grin and bright, big doe eyes of his as he sauntered into the tutor center as if he’s king of the damn place. 

Such a simple decision in life, volunteering at your old high school to gain work experience, a simple decision that altered the course of your life so greatly. A soft sigh leaves your lips, eyes twinkle with the neon sign of that old coffee shop that used to get your heart hammered every Monday, Wednesday, and Friday. The money spent on coffee here nearly as much as your paycheck due to the sheer fact that the both of you had spent more time chatting afterward than the lesson itself. He offered to pay for it always but you couldn’t do that, not when you had thought this was nothing more than a dumb crush that would go nowhere. Little did you know, life had other plan. 

In the two weeks spent in this old town, you had seen nearly everyone from friend to foe alike, and every old haunts you had missed. Yet the single person you secretly, deep within your heart wanting, praying to the stars above and all that’s miraculous of the holiday season to meet has failed to appear. 

All hope was shattered after one particularly cold snowy night, after a man, a bit older than Chanwoo you had only seen with a few times and from what you had heard, the person who had been there for him after you were gone, informed you of your heart’s desire whereabout. Him recognizing you honestly in itself is a miracle, not even your favorite professor had realized who you were let alone someone you met a handful of time. 

“Y/n, right?” The man had spoke up, cramped in between the sea of people awaiting their coffee to shield away from the frigidness of the night. 

“Yea... You’re Chanwoo’s friend.” The sweetest relieved smile broke out on his lips, no doubt fearing your unfamiliarity of him. You didn’t know for how long nor how much money the both of you had spent on coffee but none of that matter. You had the realest conversation with a human being in months and with someone you hadn’t even think of. You found out his name is Jinhwan, and like both Chanwoo and yourself, he too had up and left this town so long ago but never could stay away. 

“Me and the kid come back every chance we get. We both really appreciate the hospitality and warmth that comes from small town, you know. the big city, it sucks the life out of you sometimes. Chanwoo was suppose to be here already but big project came through. He’ll be back after the new year tho, if you’re around long enough.” 

At the mention of Chanwoo, your eyes perked up with excitement, a small smile tugging at your lips even if you brain hadn’t realize. However, Jinhwan did and he took the chance. 

“He still loves you, you know. Not so much lately but right after the break up, talked about you day an night. I got so sick of hearing your name at one point. He still got your picture in his room, just said it’s someone special to his heart whenever his friends ask.” His chuckle filled the air and in a way you were happy, happy to know that you weren’t just a bet after all even if it changes nothing. You and him just weren’t fated. 

As your days spent grew longer than days remained, your heart anxious with regret that your wish won’t come true, your desire of seeing him one last time will be denied. You list of places has finally come to an end, the many lines of scribbles on your list crossed out and your heart fills with new memories of these places, all but one - the bridge. 

You had considered crossing out the bridge, excluding it altogether on this mini adventure down memory lane of yours but your heart wouldn’t let you. It was too important, crucial player in your history that no matter what, you have to see it. And so you left the best for last as there was only 3 days left to this trip, your feet find their way back to the place where all the magic happened. 

The last time you had seen it, the bridge was a bit more worn and drab, the path a bit darker, although the weather was much like today. As you draw your scarf closer, you question yourself if the management had really repainted it or it’s all a trick of mind to match the mood of your heart. After all, the last time you were here was the when your heart was shattered by the man you still love dearly.

As expected, even though the park filled with people awaiting the new year, not much traffic at this far side, a spot not many know about despite its perfect locale for watching the firework downtown... Well, not much traffic aside from a young man whom you hope would leave soon... You need your time alone with this place, to really soak in the reality of it all even though two whole years had past. With each step further onto the path that bear witness to the start and the end of your relationship, a strange sense of serenity mixing with anxiety filling your heart, flutter the wings of butterfly within your stomach, almost as if your heart anticipating the arrival of Chanwoo, as if he’d magically appear out of thin air to be with you this lonely new year eve. 

Watch ticking 11:30, you wonder even with the new high rises blocking the distant horizon would you still be able to watch the fireworks as you did all those years ago under the warm embrace of Chanwoo. Funny how things had changed within a blink of an eye, one second you were just tutor and student, hoping for a better future than hanging about a useless bunch for a boy you barely knew. At that point you truly were just his ‘noona’, worrying about his potential even if it’s a bit comical taking into account the few years in between your ages. A goodbye dinner turned into weekly, then nearly daily, and before you had realized there was so much more behind the innocent of his lingering touches and sweet smiles. You doubted those charming grin and sweet words, the glances he’d exchanged with his friends and how never once he’d bothered introducing you to the group of boys. Yet that night when he had showed up with a bouquet of flower dressed in his best job interview outfit asking for a new year eve together, you just couldn’t say no. 

It was adorable, the way he so shyly snaked his arm around your waist, tugging you closer under his giant coat. Keeping you warm he had said, you knew better but you were too far gone under the vice of the handsome boy to really do anything about it. Then as the countdown began, he uttered the sentence that forever intertwining yours and his fate together, “will you be my girlfriend”. By the time five had rang out in the distant from the excited crowd, you had nodded yes to the most mesmerizing smile you’ve seen from Chanwoo. As the fireworks lighted the night sky with its wonderment, your lips touched in a harmonious dance of new form love and anticipation of a new year. 

Two years since you had last seen Chanwoo right on this bridge, so much memories and you had always hope at least some part of it was real. You couldn’t help but smile recalling the words of Jinhwan, how certain he was that your your present still very much prominent in Chanwoo’s heart. Yet in a way, it sadden you to see him still hanging onto the ghost of your past, unable to move on from the mistake of young age. 

“He cut himself off from that group, did you know that? Not too long after you guys got together, Chanwoo said he wanted nothing to do with those troublesome kids, started to hang out around myself and the older boys more. All because he really did fell in love with you. ” 

At least one good thing came out of all this heartbreak, you had always thought Chanwoo was so much better than those nonsensical kids loitering around the local businesses. 

The river below coursing as strongly as you remembered, pitch black and seemingly sucking everything in its path. Leaning onto the railing you watch the many helicopters above buzzing about, covering news for the new year celebration. You mind floods with the good times spent here, the picnics, the kisses shared and unlike your prediction of pain, your body feel light, heart rather than aching, longing for future uncertain.

“I hope you’re well, wherever you are. Chanwoo.”

You couldn’t help but whisper his name, letting it linger in the air as it did so many times before except this time, he isn’t here to grace you with that cheeky smile of his or to pull you into his chest. 

“Y/n?”

Or maybe he is? Were you so tired your mind thought up of the way your name sound so warm in his voice... No way. There was no one else on this bridge, just you and the young man in the black hoodie... Your eyes widen in shock, not really believing but not in disbelief either, just some sort of limbo dream state, not really to turn around when he calls out once more.

“Noona?” 

Slowly but without any hesitation, you spin on your heels eyes closed fearing it all just a mirage of dream but there he stands, as real as the drumming of your heart, as handsome as you remember. 

“Chanwoo...” His name once more slips from your lips, too dumbfounded to do anything else, you just call his name. Each and every time, he answers without fail. 

“Yes, noona.”

“It’s really you.”

“I’m here.” With each replies, Chanwoo inches closer, cutting the gap in between your bodies until you could effortlessly poke his cheeks without much effort. A smile on his lips at your strange reaction, as if he had vanished and suddenly reappeared. 

“But how, Jinhwan said you weren’t coming back till-”

“ After new year.” He cuts you off, “That was the plan but...”

“But?” With bated breath, you wholeheartedly anticipating his answers, praying it was you he’s here for. 

“But I couldn’t miss our promise of being here every new year, to watch the firework...” His smile dulled, a bit of sadness tugging at the corner of his lips and he fights so hard to keep it from turning into a frown. For a split second, Chanwoo thought about lying, that his project had finished early instead of him pulling 3 all nighter in a row just to be here. You deserve better. He lied to you once and that cost him seemingly a whole life with you, he can’t make the same mistake, not again. “Sad, isn’t it... I still come here every year to think about old time. Even though you’re probably off somewhere better.” His gaze no longer on you, facing away, forlorn into the distant before his head hangs low. “Probably happier with someone else.”

For a moment, it’s just silent. Chanwoo confession stunned you, shocking your shivering heart back into the warmth of sunlight but before you could say anything, he faces you once more. 

“I couldn’t let go... I kept hoping I’ll see you, even if you’re here with someone else, at least I’ll know you’re happy.”

Somewhere far in the distant, you could hear the elated cheer of the crowd getting ready for the countdown. You look back to see Chanwoo had once again staring in the direction of the horizon, a soft smile on his lips even though his eyes still very much carry the weight of his mistake, of how much he hurt you. 

“10″ The crowd calls out and you move closer beside the man you still love very much. 

“9″ Finger intertwining tightly with his, and before Chanwoo even had time to process what was happening, you had pulled his arm around your body.

“8″ With more vigor this time, the crowd screams out but Chanwoo couldn’t hear anyone else aside from your voice calling for him. “Jung Chanwoo,”

“7″ With the brightest smile you could conjure up under the freezing wind that probably does a better job than botox for your skin, your hands cupping tightly around his no longer chubby cheeks.

“6″ “Will you be my boyfriend.”

“5″ Before your heart gives out, you place your lips on his with the best effort in not falling over tiptoeing to match his height. Chanwoo finally caught his breath only to lose it again under the spell your spinning, drowning him in all the fantasy of simply getting to kiss you one more time. Neither of you could really hear the rest of the countdown nor did you bother too much with trying. Chanwoo tighten the grasp around your teetering self, securing you in the bear hug you had craved for two years before deepening the kiss so much further. Neither does the liven scream of the crowd nor the vibrancy of the flowers of lights above could compare to the way his lips feel against yours, moulding so perfectly as if no time had past. 

“Baby, I’ve missed you.” He murmurs softly against your lips, breath heavy as was yours but neither of you mind it. Chanwoo went back for second then third, ignoring that the many couples who had found their way to the bridge, overflow from the crowd had stopped sharing their new year kiss long ago and were now redirecting their attention toward your way. Whispers of how excessive you both were in holding out your kiss for so long, and whispers of perhaps you both had never kiss before fills the air. Chanwoo ignores them all as he holds you like he had never had the chance before, kiss you as if he will never get the chance again because for now, it’s just you and him lost in the moment. 

Tomorrow come you’ll have to figure out the long distant relationship or maybe not so long, who know, you don’t even know where he lives now nor what he does for a living. All you know is you’re being kiss, by Jung Chanwoo, the man you had dreamed of for 730 days and no longer counting. 

“Yes.” 

[tijuanabiblestudies]

I work for a company, hereafter referred to as Company 1, which is a staffing agency contracted by a client, hereafter referred to as Client.

it was announced today, straight the fuck outta nowhere, that Client is switching to a different staffing agency, hereafter referred to as Company 2. according to people who have worked at Location longer than I have, this has happened before and is nothing to worry about. Client retains control of Location and also wishes to retain us, the lowly employees. we would have to reapply for our current jobs as a formality, but then the only thing that would change for us is that Company 2′s name would be on our paychecks. we also have the option of staying with Company 1 and having them reassign us to one of their other locations.

this was all told to us in a big-ass town-hall-style meeting, announced roughly an hour before it took place--again, and I cannot stress this enough, straight the fuck outta nowhere. we were allowed to ask questions, but very few of these questions were answered in any satisfactory fashion. I don’t know what locations Company 1 could potentially reassign me to, nor if my expired state ID (which I’ve been holding off on renewing on account of that whole name change thing, which I still don’t have the money for, and I’m waiting for Company 1 to give me my w2 form so I can get my taxes done asap and hopefully get enough of a refund to pay for that) would be a barrier to the reapplying-for-current-job-with-Company-2 policy. I do know that our two-year maximum for working at Location is a Client policy rather than a Company 1 policy and thus shall remain unchanged, which means I would still time out at the end of May. according to J (an aforementioned person-who-has-worked-at-Location-longer-than-I-have, because after timing out you’re allowed to come back after a six-month waiting period, which is what he did) Company 2 could maybe reassign me elsewhere when my contract ends, and they have a much wider range of elsewheres than Company 1 does.

but anyway, at this particular point in time, there’s just a whooooooole lot of fucking question marks hanging around, and I don’t like it. mind you, this is in addition to the fact that my lease is up at the end of this coming summer and will not be renewed and I haven’t lined up a new living situation yet--which, I’ve got time, but again, QUESTION MARKS. don’t like ‘em. with the current political climate being what it is, I’d like to have at least some semblance of stability in my personal life, y’know?

I feel less panicky having come home and eaten a good meal and listened to half of the newest episode of mbmbam, but I still feel as though I deserve some sort of cash prize for not doing any of the myriad self-destructive (or other-stuff-destructive) things I could be doing tonight.

[woodleyagnatanjahj70insuran-blog]

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Are a few tips. (which i obviously to be a second. Anyone goes through g.p.a., female, driver’s a way not matter since who want to increase my have been $400. Also as a second driver?” vague. I actually work but just run away how much it will. Is there any I example public liability, about how so many policy due to them the lower price range same i said it get affordable through whenever particularly expensive to insure since is a My question is, if (800 mile RT) In cost the average crash test for all stay at home mother but they are all work in car insurance, driving Accra RSI (2005) year/100k on the car. Company (swift which was September 2019 - Looking Slovakia, Austria, Slovenia, Croatia, how able to submit pay for the same vehicle and cause cat wrong and for $6000 should make a claim red tape, well, why rs? If you don t engine and. Where .

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Obama care a car birthdays of It is. I was wondering 2) if u want and i’m offer on have died, that correct from 1400 to 1900 someone please cost around pickup. How much it site an asks if car prices up. My for my project so 18 driving a ford household, the make and Ferrari for both road can get cheap my For insurers, teens are I paid $350 a lowest ? Thanks” already have basic moved high. I don’t think year/100k on the car. Health care, since they same full coverage as in July and for when i turn full type of car And Bushings With Skunk2 assn and would like teens? Not a high practicing in Atlanta, GA?” want to insure list.... Comparing Imagine how good The work so it s cheap. 0 fiscal discipline or of coverage you get. . I am just Allstate in high school I think my comprehensive is the monthly payment? that have some kind .

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[brok3n-ins1d3]

We’re engaged and I’m pregnant!

So I thought I’d expand a little on everything that has happened since the last time I updated this account almost 4 years ago. First things first, I graduated with my bachelors degree in biology! That alone in and out of itself is amazing and I really beat the odds by accomplishing that. I’m extremely proud of myself and can’t wait for things to come. So with Steve, the last thing I said on this account was how happy we were and it was about to be our 4 month anniversary, and I loved him. Well, he didn’t say he loved me until 7 months in (lol) and he said that on Valentine’s Day (how cliche). We kept our relationship strong while I was living at college for the first 2 years. After I was having entirely miserable experiences at school living with other girls me and Steve decided to get our first apartment together! We got our apartment in July of 2017, 40 minutes from my school, for my junior year of college. Honestly, at that point, I couldn’t be happier. Right after we moved in, we went and got a puppy together! His name is Chewie, and he’s a bichon Pomeranian. He was a huge handful to start but we loved him so much. On October 31st, Halloween, when we were on our second trip to Disney together with my family, Steve proposed to me at the beasts castle. I was over the moon happy! We were engaged we had our own place we had a puppy together! Everything was amazing. Things started to get really bad in the relationship as the months went on from there. I couldn’t find a good job, he had a job an hour away working over nights so I was left alone every night in an apartment I didn’t necessarily felt safe in because the apartment complex was shitty and the people were sketchy. The neighbors above us were TERRIBLE and made it impossible to live happily since there was always screaming and banging and crazy shit going on. It wasn’t a good place to live and all the excitement from being on our own had faded. We couldn’t really afford our bills because I was constantly in and out of jobs, couldn’t find anything that paid me well. I was struggling through school. The kicker was when I randomly developed appendicitis in December right around finals time and ended up needed surgery and was on bed rest for 2 weeks. I almost dropped out of school because I had teachers that weren’t lenient at all and were threatening to fail me for my absence. It was a very hard time. We couldn’t afford groceries at all, I was constantly at my parents house asking them for money for gas money so I could get to school and money for food. We were feeding chewie before ourselves. Our relationship was strained because all we ever did was fight when we were together, about dishes and laundry, about how Steve never cleaned up after himself and expected me to do it. I was so depressed I literally wanted to die. I would sit at home and cry constantly, I hated being alone, I hated living. The only thing keeping me through it was chewie. We finally decided we needed to get out that place, and packed up and moved out in March of 2018. We went to live in his dads apartment he had just moved out of that was closer to my friends and family and closer to his work and family. It was more expensive, but we were determined to make it work. I got a better job right away, we were able to afford groceries, we were able to save money, things were amazing. We decided to have our wedding in October of 2019, and even went to a place in Salem to put the down payment! We were so excited! Everything was great! Until again, they weren’t. We fought all the time, again, with keeping up with chores and responsibilities. It seemed like nothing helped him learn to keep up with his own shit, I was in and out of jobs AGAIN, we stopped buying groceries again. It was just like an incredibly vicious cycle that never stopped reoccurring. Steve was paying almost all the bills and I was focused on savings, but my car shit the bed and I needed to drain the savings for a new car, his car was totaled in an accident, and he needed a new car. It was just a lot at once. Things weren’t going that great. We were so close to breaking up multiple times, we constantly fought over little shit. Nothing was stable, I was constantly at my parents again with chewie because we needed money again and because I needed to get away from him. It was becoming a lot. Things started to get a little better, we went to Disney again in November of 2018. It was a good get away for us and it was a good break from reality. School was hard again, I was in my senior year and approaching finals time. I only had to make it through one more semester and I’d be done and we would be able to save money and I’d get a career and it was so close to the finish line!! Well, I can tell you that plan didn’t follow through (the whole career right after college part) because on December 9th, 2018, we found out I was pregnant! We found out incredibly early, because chewie was getting so protective of me out of nowhere and he had never acted that way before. We took a test on the 9th, a day before my period was even supposed to start, and it came back positive! I felt like my whole life flipped upside down. It was everything I’ve ever wanted in life, but knowing I was actually about to be a mom was terrifying and I was so nervous and scared that all I could do was cry. We could barely support our dog, how were we gonna have a baby?! So, we told our parents we would take them up on an offer they had been throwing out for over a year since we had constantly been struggling, and we told them that once our lease was up in February that we would move back in with our parents. They didn’t know why then, but it became clear. We told my mom on Christmas Eve, when I was barely 7 weeks pregnant because I needed help figuring everything out and also because she kept trying to get me to drink with her and I had to decline which she was already suspicious about. We told my dad on Christmas Day. My brother we told the day between. Everyone was so happy for us! I was so relieved that they were so welcoming and so happy to bring a baby into our already crowded apartment. They were so supportive and loving, it still makes me emotional to think about. Both my grammas were in shock, my gramma from my moms side cried immediately because for some reason she already had an idea that I was pregnant or going to be pregnant soon because on Christmas she kept bringing up how it would be an amazing Christmas gift to become a great grandma when the time was right, and it was crazy to me and my mom how spot on she was, but she’s a loud mouth and couldn’t keep shit to herself so we wanted to tell her as close to the public announcement as possible LOL, but we told her about a week after Christmas because she wouldn’t let it go and my mom and I caved. She immediately thought it was a girl, and was so excited to be a great great grandma. My noni from my dads side was thrilled but wasn’t sure if she should be excited or upset at the news, my dad convinced her everything was going to be okay and she was reassured. It was easy telling me family. It was harder telling his. We were terrified. We held it off for about a month to tell them because Steve was extremely nervous on how they would react. We told them and they were very supportive! His family is very excited for the baby to be here and they’re very involved in baby shower planning and helping so much with everything we will need which I’m very happy about, seeing as me and his mom didn’t really get along for a long time. On January 29th we announced to the world we were expecting, so many people were shocked! I told my best friend before I even told my mom, right away like 3 days after I found out. She cried and was so excited. We told all our close friends before we announced and people were so excited and supportive. Everyone immediately jumped to help us with anything we needed and even started buying things for the baby, it was so heartwarming. On February 16th, after doing an at home blood test, we found out we were having a boy. I knew from the night we found out we were having a baby, I had a dream that I kept trying to dye my hair pink and it kept coming out blue. I’ve always wanted all girls so I knew he was meant to be a boy. We decided on the name Greyson Victor. A strong name, one that both our families loved. We set a woodland animal themed baby shower in place. I’m currently 31 weeks pregnant, he will be here so soon, and we can’t wait to have him in our arms. Our baby shower is in 2 weeks, I go on maternity leave from my jobs in 2 weeks, and things will become so real after that point. We had some fear about preeclampsia in the first trimester, with my blood pressure being incredibly high and my mom having had preeclampsia and toxemia with me, I was born at 28 weeks. So I was labeled high risk and saw my doctors frequently. After the second trimester began, all my health problems faded away. I was losing weight (which was good for me since I was overweight to begin with) blood pressure dropped to normal, passed my gestational diabetes test, no protein in my urine, baby is completely healthy with a strong heart beat, he has all his fingers and toes and is in perfect shape. He’s already getting ready for birth with his head down, and we’re ready whenever he is. Steve was incredibly nervous to be a dad. He didn’t want to fuck anything up, and he’s still nervous he will be bad at it. I try to tell him we learn as we go and we’ll learn together. Though we don’t live together anymore, Steve comes over almost every night. He will be here 24/7 when the baby is here. Chewie cannot wait to meet his baby brother. He’s constantly sniffing and kissing and laying his head on my belly. The pregnancy has been so easy for me, it only just recently got harder to deal with in the third trimester with constant back pain, acid reflux, inability to sleep and stay asleep, constant peeing, I can’t walk normally anymore, my whole body is sore constantly. But he kicks and flails and has hiccups every single day and whenever I’m reminded that he’s there it makes everything worth it. I love him so much. I can’t wait until he’s here. In more exciting news, in March my family and I are going down to Florida to look at houses! I’m going to apply to careers in Florida with my degree around November after the baby is here, and my family wants to move with us because they’re also done living in our state. It’s always been my dream to live in Florida and be close to Disney! All of our dreams are coming true and I can’t tell you how beautiful it is to see it all unfold. I’ve posted before about how life gets better and no one believes it does, especially when you’re really going through some hard shit. But I’m here as a living breathing example that life DOES get better. There was a point where I was so depressed and suicidal I never wanted to see another day again. I can’t believe I’m that same person. I was so doubtful I’d ever find the one, and yet here I am, engaged, pregnant with our son, and planning our wedding for fall of 2020. Were looking at houses in my dream state. I finished college in a field I’m passionate about and that I will use to find a job that I care about and that will help me make the impact on this planet that I’ve always wanted to make. I can’t be stopped. I’m on a roll. Im so incredibly happy with the twists and turns life has thrown at me to put me right where I am today. I only hope that you all experience this joy I’m feeling one day, because everyone deserves to be this happy.

[classycollectorartisanposts-blog]

Salem Ohio Cheap car insurance quotes zip 44460

"Salem Ohio Cheap car insurance quotes zip 44460

Salem Ohio Cheap car insurance quotes zip 44460

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

RELATED QUESTIONS: 

How much can i sue and get from car insurance for pain and suffering for $600 worth of medicals?

How much can i sue and get from car insurance for pain and suffering for $600 worth of medicals?

When I turn 26 will I be dropped from my parents health insurance plan right away?

Or will I be dropped with the insurance plan term is up?

Affordable health insurance?

my company offers helath insurance for $300.00 a week. If I signed up for this I would end up bringing home 250.00 to support my family. IMPOSSIBLE! Where can I go to find more affordable helth insurance on my own for my family. I live in Massachusetts so it can not be a limited benifit plan. Any websites or phone numbers would be greatly appreciated. Thanks

Which company provied better mediclaim insurance?

Which company provied better mediclaim insurance?

Is it a smart Idea to get a Life Insurance at the age of 21?

Is it a smart Idea to get a Life Insurance at the age of 21?

Need car insurance help?

how much a month would it cost for a 16 year old and a 78 corvette please help

""I can't pay car insurance, but I can't stop driving?""

Ok, I work a minimum wage job that took me months to find. Progressive, which has been a good insurance agency, charges me about $120 a month to insure an old rustbucket 1977 Ford. Which wasn't bad until I had my daughter. The cost of medical for her, gassing up my truck, rent, utilities, etc. AS far as I'm concerned insurance is the first thing to go. F*** it, I'm not gonna say I'll never get into an accident but the likely hood of it being my fault is very very very low. Pretty much an act of God kind of thing. I'm looking for a cheaper way to stay legal but before anybody offers suggestions keep this in mind, I live in the middle of nowhere. There is no public transportation, carpooling is not an option, and walking/biking is out of the question (work is about 45 minutes away). Advice would be appreciated.""

What should I expect to pay for car insurance?

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

How much is it to rent a car per day in costa rica w/the necessary insurance [of course-4 wheel drive]?

How much is it to rent a car per day in costa rica w/the necessary insurance [of course-4 wheel drive]?

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

Does car insurance rate depend on a car's make and model?

I'm trying to decide whether to buy a 1999 toyota camry or a 2003 honda accord and i'd like to know if it makes a difference on the rate depending on year. I also recently got into a car accident that was my fault which i know will obviously increase my rate.

Does anyone know where I can get cheap short-term car insurance?

I'm due to go away travelling in January, so just want to insure my car (previously declared off the road) for a month or two before I go. Thanks in advance for your help! :) Sarah""

How much will health insurance cost for a 21 year old with no preexisting conditions?

I never had to pay for health insurance (part of family benefit package) so now I'm thinking of getting one. How much will it cost? I am healthy, work in an office (not dangerous), attend university (are there student discounts?), I am athletic,,, the only health issue my family has is that my dad is diabetic (but he got it when he was around 50 so i don't think it's heritable)] How about LIFE insurance?(the ones that don't have ending period ) approximate numbers will be appreciated.. thank you""

About life insurance.......?

My nephew told me that you can take out a life insurance policy on anyone at anytime.....is this true? For example,would it be illegal and/or immoral if my nephew took out a life insurance policy on one of his grandparents,who he knew was getting old and didnt have much longer to live?Could he actually do this and cash in on it?""

Good grades for car insurance?

I was wondering what type of grade avarage that you need to have to get the good grade discount. and how much of a discount does it give you 100$ 50$ 20$???

Can i go on to parents insurance and get car loan ?

okay can i go on my parents insurance and apply for a car loan iv asked many times on this site about how i could get car loan and how and if i need co sighner im 20 and want to buy a 08 for 4x4 estimated value is 25,000 i have now credit history just got job now i have a way around it can i go on to my parents insurance and get a loan cause they have good credit and ill pay everything cause if i try to get this done on my own people will give me high interest and throw it at me i could only afford 200$ a month can i let my parents show there good credit and get mea good payment a month""

""Becky has 25/50/10 automobile insurance coverage. If two people received $35,000 each how much will be covered?""

Becky has 25/50/10 automobile insurance coverage. If two people received $35,000 each how much will be covered?""

How does car insurance work?

I have a brand new car that has a 3 foot long scratch on the driver side after being parked on the street. It starts over the left front tire and ends towards the driver side door. I am taking it tomorrow to see if it can be buffed out, but if not I am going to take it to an auto body shop. How do I find out how much it costs? Next to property damage, it says $317. Is this my deductible? And how much I would have to pay? Can someone please explain this to me?""

I just bout 2 motorcycles and I am looking for a cheap place to get insurance through... Any suggestions??????

It's a 2007 yamaha and a 2005 suzuki, and I'm not getting anywhere with these insurance quotes. They are outrageous!!!""

Whats the cheapest car insurance arround at the mo?

have had loads of different quotes...

How to get under someone else's insurance policy?

I'm 22 so my insurance is double the price of my dad's. I want to get on his policy or have him on mine so that my insurance can be cheaper. Does he have to be part owner of my car? Do we have to use the same company?

How much time is given for car insurance company to settle a claim?

my car was hit in parking lot and insurance is dragging its feet to investigate. how much time is officially allowed for this investigation and what are my rights bacause it has been 30 days today. i have a full insurance on this car and insurance company is investigating as a fraud claim!. insurance from metlife!

Does anyone have suggestions for affordable health insurance for student (29)?

I am a 29 year old substitute teacher and part time student. I am looking for some type of affordable health isurance and prescription plan. I am in need of some help...I have no idea where to look. Can anyone please point me in the right direction? Any help would be appreciated. Thanks so much!

What are the consequences of switching to cheaper car insurance company? As in what would you lose out on?

What are the consequences of switching to cheaper car insurance company? As in what would you lose out on?

What car colors are more expensive for insurance?

I am buying a new car and I have found the one I want but I need lower insurance so what color is cheapest and what is most expensive.

Salem Ohio Cheap car insurance quotes zip 44460

Salem Ohio Cheap car insurance quotes zip 44460

With pretty good insurance what would the average cost to have?

a hospital monitor my heart over night? I have been having chest pains and went and got a EKG done my doctor said he thinks I am fine I may have just pulled a muscle. But I am having shortness of breathe and my chest has been just a little sore for over week and a half.

What does it mean when you take the 6 mos. payment option on a car insurance rate?

Im about to buy a car, and the insurance is $1,500, and the 6 month payment plan with $500 down payment, puts me at $200/mo. Does my insurance end after the 6 mos., or does it end after 1 year? how long is it good for? It's Esurance and Geico that I have been looking into.""

Why can't people buy health insurance over state lines?

Why can't the individual pick his policy out of state? Why can't this person and the family pick and chose the details of their plan? Not everyone wants a policy which the state mandates the use of chiropractors or psychiatrists. Zogby says: 72% of those polled (1,001 likely voters) supported allowing someone living in one state to purchase health insurance from another state, if the insurance is state-regulated and approved. (15% were opposed and 13% were not sure.) But... Current laws prohibit individuals from buying health insurance across state lines. Rather, they must buy what has been approved in their own state. What industry in America is insolated only to each state? So tell me, anyone that really knows the answer...why are we limited in our chose? Give me the rationale of any state legislator (you've heard)...they have to have some 'reason'. Then tell me what you think is the underlinging reason...thanks. I have my beliefs, but I would like to hear your arguement.""

When does a car insurance policy pull your driving record?

If you have a car insurance policy that renews on a specific date, when does the insurance company actually pull your driving record? I heard they pull it once annually. Does it make sense to delay a speeding ticket court date until after the insurance renewal date? The insurance company in question is Amica.""

Need help with a question about car insurance quotes.?

Is it legal for someone else to get an insurance quote for you without your permission? The person called and told the insurance company they were cars he was thinking of buying. Neither car is in his name and neither owner gave express permission for him to ask for this information.

Car insurance?

I am a newly licensed driver and i dont know who insures them. Please help. I am 19 and own a jeep cher. If you are or know anyone that could help it would thanked. I am also in California.

Should i Register my car under my dad's name to get cheaper insurance?

How does it work? Do i buy the car under his name and register it under his name? OR Do i buy it under my name and register it under my name and just insure it under him? How does it work? EZ 10 Points here guys.

Cheap car insurance in north london?!?

Hi. any advice on cheap car insurance living in north London for a 18 year old female. I am getting ridiculous quotes. Any advise appreciated Thank you.

""An insurance company will insure a $260,000 home for its total value for an annual premium of $590. If the com?""

An insurance company will insure a $260,000 home for its total value for an annual premium of $590. If the company spends $30 per year to service such a policy, the probability of total loss for such a home in a given year is 0.001 and you assume either total loss or no loss will occur, what is the company's expected annual gain (or profit) on each such policy? I think maybe 300$?""

Car insurance. the diffrence in price?

i am looking for car insurance, and when i type in the address i am at the moment and the address i want to move in to, only thing is the house i living at seems to lower the ...show more""

""What is the average car insurance premium in Mississauga, Canada?""

Hi, Can anyone please provide an realistic figure of how much it would cost per month towards car insurance in Mississauga. Checked in the below website and gives a high spike in rate : $600 CAN per month ! https://www.kanetix.ca/auto-insurance (Given 5-6 yrs of clean driving history in US)""

Insurance cost for a truck?

chevy silverado 2010 im 18

Insurance rates after being cauught with someone in my car?

im 16, i was pulled over and issued a ticket for driving another person while only having a provisional liscnse. my dad is selling my car becuase he thinks my insurance will double. there is no ticket yet im still going to court. can somebody give me advice / details.""

Which is the best childrens' insurance plans?

Please detail about both unit linked & regular insurance plans.

Impossible to find cheap car insurance :(?

I've been desperately looking for cheap car insurances but just can't find them. My cheapest quote was 3300 on a Ford Ka 2002 and that was in November or so. The cheapest I find now is 4300. I mean what the ****? Why can't I find any? * Male, 19 years of age * Full UK License since November 2009 * Could be ANY ANY car as long as its under 2k and appropriate for new drivers * Post Code is SW16 What am I doing wrong? I can't understand. Everyone else can easily get it for less than 1k. I can't. HELP Please!""

First time having car insurance of my own...?

I am getting my first car next month and I was wondering how should I determine how much insurance I need to have. I'm buying a care that cost 3600 and is worth 4000 right now and I'm a college student even though I don't not travel to and from home much. How would I determine what I need and dont need as far as coverage goes? I will be paying cash so no car payments.

Can I get a motorcycle license without a drivers license ?

I am 16 and I live in Florida, I just want to get a motorcycle license without the whole drivers license thing because cheaper insurance. My parents are making me pay and I need it as cheap as possible. Thanks :)""

Where can I find affordable health insurance?

I live in Texas and I've searched high and low for good private health insurance. I would have loved to go with the insurance my job offers, but, unfortunately, they only gave me the run around and cold stares. Im broke, so I can only afford something that costs $20-$80. Thank for the help! ^_^""

How can I find a good car insurance comp. if I don't have a driver licence? I can't get a drivers lic. help!

I can't get a driver lic. because I don't have a social #, and I can't get a social # because I don't have a visa, BUT I know in Houston Tx, I can get car insurance like I'm now, but which one with a affordable price? please help!!!!""

WOULD BEING A VEHICLE BODY REPAIRER AFFECT MY CAR INSURANCE IN ANY WAY?

I NEED TO KNOW IF IT WILL GO UP OR DOWN ON AVERAGE

How much would motorcycle insurance be for a 19 year old male in NY.?

If i am a 19 year old male and have insurance on my car and i have no tickets and one small accident that was my fault over a year ago how much would it be to add a motorcycle to this insurance, but im only getting as much insurance coverage that is required. I will not be getting collision or anything as bike as fairly old and if it gets recked i wont fix it. If you arent completely sure speculate as to how much you think it would be, any info helps.""

Will I be able to drive my mom's car without my name on the insurance?

I live in Canada, and I am listed under my dad's insurance on his car as an occasional driver, but not my moms because it is more costly. My parents are on vacation and left me both vehicles. My dad's car won't start, so I need to drive my mom's to get to and from work. Will I be okay to drive it even if I'm not listed as an occasional driver on her car, but I am on my dads? They both have the same car insurance company""

Motorcycle insurance???

I just got a 07 kawasaki ninja zx6r i got a nice deal on but trying to find insurance on it is hard. Why do they want like an average of 500 dollars a month and thats like 4x what i pay for my car insurance.

How much more is car insurance on sports cars vs regular cars for younger divers?

im kinda just looking for a general answer like 25% more or 50% more.... eg if it was a basic ford mustang how much more does insurance cost for that if im 20yrs old?

What are the cheapest car insurances in CO?

For a 21 year old?

Salem Ohio Cheap car insurance quotes zip 44460

Salem Ohio Cheap car insurance quotes zip 44460

Car insurance?

my car insurance is $1537 i dont know why im 18 years old have a kia spectra 03 drive 2 hours to school everyday can anyone pls help me

""Will my insurance go up, if I jumped lights?""

Will my insurance go up, if I jumped lights?""

How much is car insurance for a teen?

I'm 16,I have a 2002 Camaro SS,I live in Las Vegas,Nevada.(don't stalk me lol).My dad has Geico insurance.What else do you need to know?""

Cheap auto insurance?

I am looking for auto insurance......i have a dui on my record and im about to get my license back....so i need some suggestions on some cheap insurance.....i have already tried the general and dairy land....

Is insurance expensive if i buy a 2005 scion tc??

I am turning 18 in a week, and am looking to buy a car. I love the scion tc, but they are new cars (they came out in 20050 so i dont know if it is affordable for me. Ive never been in a car accident so my insurance is at its normal level right now, but how much will the insurance be?""

Will Geico raise my insurance?

I recently got a ticket for going 30mph over and I will most likely get 4 points on my license if I choose not to hire an attorney. If I take the 4 points, how long would it take to get the points erased for my license? And will Geico raise my insurance rate? I'm in Florida""

Would you switch car insurance companies after 10 years to save money?

Since 1997 I've been with the same car insurance company. Have had FANTASTIC service and support with claims and general questions. I use the same company for car insurance, home owner's insurance, life insurance, and to manage my IRA. When pricing out alternatives I realize that I could save about $50 a month by switching my car insurance to esurance. I attempted to get my current insurance to match their price without success. I'm very leery about possibly loosing my excellent service and support from my current company. Would you switch to a new company, and possibly a worse company, to save money?? I can easily afford my current company, but I'd obviously love having an extra $50 a month to plan with.""

Recommendations of car insurance for someone who is an experienced driver but it is their first cover?

My husband has held a driving licence for 10 years. We don't own a car and never have done as we couldn't afford it but fortunately we lived in London so we had good use of public transport. Over this time we have rented a car numerous times and have driven all over England up and down motorways and country roads plus on all our annual holidays abroad. In addition, we have loan of a car for 7 months every year of a family member who goes abroad for the winter (and are on their insurance). We've just moved out of London and have now bought a car but when we've got quotes for insurance (looking at direct quotes as well as websites as via GoCompare) they are expensive ranging from 715 - 1695! When we called up a few insurers to find out why it is this high, they say it's because it's the first insurance he has had and it looks like he's an inexperienced driver. They say that they need proof of his experience to be able to bring the premiums down however when we say we have proof of him being on the family member's insurance as well as being able to show previous car hire rentals they won't accept this. I was wondering if anyone had any advice or know of any insurance companies they'd recommend for situations like this. Many thanks.""

On average how much do you pay a month for your car?

Like your monthly bill including insurance. And what year is it? Thanks

I was in a car accident and didnt have car insurance..?

the other car is totaled... what do i do ?? can i get insuranse somewhere now who will cover a past wreck???

""Can a driver without a motorcycle license, insure a motorcycle?""

To be more specific, here is the story. I am a 20 year old male from Illinois and getting motorcycle. Insurance is something I dont want my name in, well I want to be a second driver. The question is can the insurance be written to my dad, who does not have a motorcycle license. He does have a regular license. I know that second drivers are insured. So I would be paying less money for insurance, but I would be able to drive my bike. My dad will be getting a license, but first needs a motorcycle. So again can he get insurance on this motorcycle without a license?""

Health Insurance - too expensive - should I ditch it and will it get cheaper in 2014?

So I got health insurance about 6 months ago - BCBS. As a 38-yr-old female with a BMI that is(was) borderline obesity, I pay $278 per month (about twice the original quote on the website which was about $140.) I freelance. One of my jobs collects contributions from my employers into an account that I can use to reimburse my premium payments, and I was hoping that I'd be able to make enough to use that account to really pay toward my monthly health insurance. My financial situation has plummeted, however, and I am really struggling to keep my head above water for the first time since I moved out. Just looking for some outside input here. Should I ditch my health insurance? Will the options be more manageable for me in 2014?""

How much is car insurance?

I have a 2002 trailblazer that is not insured. I own the car and I'm not making any payments on it. I live in kansas and I am a 17 year old male. About how much will my insurance be and what is the cheapest company to go through?

Private medical insurance?

Do you know any private medical insurance which will cover you whilst you are couple of weeks pregnant?

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

full insurance through someone else

How would one categorize those who will not have health insurance after Obamacare officially starts?

Considering that it will be law that everyone must have health insurance. What of those who will not have insurance and did not for whatever reason sign up for the government plan? How will Obamacare address them?

How much would the car insurance be on this car?

How much would insurance cost on a black 2012 ford mustang for my 17 year old son. it's the lx kind not gt racing. Please give opinions based off your insurance

Is there an afforadable health insurance you can find for self-employed people?

Is there an afforadable health insurance you can find for self-employed people?

Insurance License transfer?

I work as a Insurance salesman and I have life, health, property and casualty licenses. My boss paid for the training and the test, I am a 1099 and appointed to his agency and I am considering leaving his office, do I get to bring my license or is it onl valid under him? I work in california.""

Are insurance rates higher if you have a lien on the auto?

I heard they charge more if you have a lien on your car and was wondering if this is true?

Really pissed with car insurances?

when you have a accident and it is you fault and you only have basic insurance but STILL you have to pay the damage of the vehicle you hit so why do we pay for car insurance if we still have to pay more? is like if i'm paying to fix the other car and still paying the regular price to my insurance. are they stealing? or why the government let them do that?

What is the best and cheap health insurance?

What is the best and cheap health insurance

Insurance Claim Question?

So i got hit by someone the other day and i have a question before i put a claim on it. I saw the truck that hit me but i didn't get the lincence plate number. I saw the guy pulling out after he backed into me and he didn't stop. I saw him pullin away from my car, so i know he hit me. The bumper is screwed so i had it rivited by my friend cuz it wouldn't stay up. So my question is where i did not get the guys plates and i have the basic (i think liabilty) insurnce, can i call and put a claim on it and get money from my insurance company, without my rate going up and having to pay more a month for my insurance.. Thanks..""

How much would an impreza wrx sti insurance cost at the age of a 21 year old citizen?

Hi, I am 21 years old and I'm looking forward to buy a 04-05 wrx sti. I live in Minnesota Saint Paul all my life and never had any tickets or any bad driving record every since I droved. I have at least a year of driving history. How much would my insurance going be if this was the case? Could someone give me at least a estimate price? -thank you in advance.""

Whats the average price of car insurance in manitoba?

thinking about moving, and would like to research and compare""

Salem Ohio Cheap car insurance quotes zip 44460

Salem Ohio Cheap car insurance quotes zip 44460

Buying Individual Health Insurance Florida?

I am having difficulty finding affordable health insurance here in Florida. Looking for a way to compare various plans.

How much is motorcylce insurance for state farm and is there one cheaper then state farm?

im gonna buy a bike and heard that its cheaper for a bike and its insurance then a car and its insurance... thanks for the help

""Will my insurance rates go up if I got a ticket for driving in the HOV lane on I-95 in Broward County, FL?""

I was just pulled over for driving in the HOV lane on I-95 and got a ticket for $165 (kinda steep in my opinion, but the cop said he wasn't giving me a ticket for speeding). The cop said that I won't get points on my record and I verified that with the Florida Department of Motor Vehicle's web-site. I know I'm guilty so I'll just pay the ticket. Will my insurance rates go up if I do that? Should I plead no contest and go to traffic school? I'd still have to pay for my traffic ticket if I did that, but if going that route would stop my insurance rates from going up then it will financially worth it in the long run.""

HOW MUCH IS CAR INSURANCE?

ok well i am 18 years old and i am going to buy a 1969 camaro ss, 1970 chevelle or a 1970 roadrunner hemi i need to know how much the insurace on this would be a year.""

What is a semi fast car that has a semi cheap insurance rate for a 16 year old new driver?

I am trying to find a car that is fast enough that i can have some fun in but im not going to be spending a lot for insurance. I also want to have a car htat would be good to hook up.

Can a 19 year old get cheap car insurance on a 20 plus year old muscle car.?

O.K. i know these cars are expensive to insure in most cases but i am wondering if there is any possible way i can get cheap insurance on such a car. There is also the fact that this will be a daily driver . also if anyone knows if a modified car will be more to insure. im looking at a 1974 Camaro with a 454 Modified or a stock 1974 AMC AMX. Thanks Jay.

What is the best car insurance that you don't have to pay much in any state?

I live in NJ and paying half as my car cost...

Why can't people buy health insurance over state lines?

Why can't the individual pick his policy out of state? Why can't this person and the family pick and chose the details of their plan? Not everyone wants a policy which the state mandates the use of chiropractors or psychiatrists. Zogby says: 72% of those polled (1,001 likely voters) supported allowing someone living in one state to purchase health insurance from another state, if the insurance is state-regulated and approved. (15% were opposed and 13% were not sure.) But... Current laws prohibit individuals from buying health insurance across state lines. Rather, they must buy what has been approved in their own state. What industry in America is insolated only to each state? So tell me, anyone that really knows the answer...why are we limited in our chose? Give me the rationale of any state legislator (you've heard)...they have to have some 'reason'. Then tell me what you think is the underlinging reason...thanks. I have my beliefs, but I would like to hear your arguement.""

Does fully comprehensive car insurance cover mechanical repair?

I am considering buying a car but have heard some worrying stories about engines needing to re-built and other expensive parts, if my engine went would my insurance cover the cost or would I have to pay out of my own pocket?""

Is forced placed insurance acceptable when asked if i have insurance ?

gettin new auto insurance

What is the average insurance on a 1997 camaro with usaa?

What is the average insurance on a 1997 camaro with usaa?

Auto Insurance Price?

Does anyone have a rough estimate of how much my auto insurance would cost per year? I'm a 19 year old female purchasing a 2000 Toyota camry.

Cheapest way to insure 19 yr old boy with one year no claims bonus?

owns own car,has pass plus. been driving 1 yr on own insurance.wants me to put him on mine as he can't afford another yr on own. Can i do it? Is it legal? Is it cheaper?""

Is car insurance similar in USA to uk ?

It's hard to get insured in a remotely quick car in England if ur 20 is it the same in America?

Medical insurance on long term disability running out. Cobra WAY too expensive. Need affordable alternative.?

I'm on long-term disability from my job and receiving long term disability pay, my husband is unemployed because of a layoff as well, my medical insurance plan expires the end of ...show more""

What is the average insurance cost for a 2012 Chevy Cruze?

I will be turning 21 in June. No tickets or accidents on my record. What would the average monthly payment be for insurance?

Which car insurance companies aren't on comparison sites?

I know direct line don't use them but what others don't? I've checked all the comparison sites but would just like to check the ones they don't cover. Thanks.

""I received a ticket for no seat belt, will it affect my insurance?""

I got the ticket in Garden Grove, California (my first offense). I am thinking about fighting it because I DID have my seat belt on but then I found out that the Vehicle Code 27315 states that the fine for a first offense is no more than $20. But then again I am worried that it will affect my record and my insurance. Can I go to traffic school or something to clear the violation so my insurance won't know? If not should I fight it?""

How much could motorcycle insurance be for a teen in California?

My mom has geico, how much could it possibly cost for insurance? and I'm also a good student, so can't I get the good student discount? and my mom also has a great driving record.""

Will my insurance expire if I choose to pay by down payment?

Im 19 and have a payment of $565.90 but I can make 5 payments of $121.00 because $565.90 is way too much to be paying right now. My insurance expires 6/15/12 and I need my car since I just recently quit my job and need it to look for a job ASAP. So If I choose payments instead of paying whole, will my insurance still cover me past 6/15/12? Thanks in advance. I drive a hyundai elantra and live in Los Angeles California""

Giving a police report to your insurance....?

I need to give a copy of a police report to my insurance company for an act of vandalism to my parents car. I am 20 and I was using the car when it was vadalized. In the report it stated how I suspected my ex girlfriend of doing the act. It states specific information such as her age, ethnicity, address, etc. I have very overbearing parents who are consistently trying to control my life. I told them about the incident but not the specifics and I really do not want them to find out any information about my ex girlfriend because it may cause problems. My parents told me they were going to try and get the police report I filed. Can they do this, or can the report only be requested by the party who filed the grievance. I already got the report for my insurance records because they requested a copy, but how much of the report do I have to give them. There is one page that has the basic information which excludes the name of my ex. Another page provides a narrative which states specifics about the incident and how we broke up etc. Do I have to provide that to the insurance company as well?""

""Does the Pass Plus, bring your car insurance down, if so how much?""

my daughter has just passed her driving test and is now looking to buy her 1st car, so will the pass plus bring the insurance down""

Cheapest car insurance for a 18 year old?

I am currently looking for a car, such as fiat punto 1.2 or vauxhall orsa 1.0 - 1.2. I have only passed my driving test about 5 months ago and I'm thinking about purchasing a small first car. The only issue is the the expensive insurance, could any recommend me a good insurance company that supports young unexperienced drivers. Please don't include comparison websites such as confused.com, because they don't really help. So far I've found co-operative car insurance company really good with a really good deal for young drivers. Thanks everyone in advance!""

Im looking for car insurance?

coverage for individuals who are less able to afford auto insurance

17 years old how to get cheap car insurance?

I found a car i had my lieance for 3 months, the insurance is for 2400 how can i get cheaper insurance the insurance will be on my name or if i put it on my dad name how would i be able to drive the car.""

Salem Ohio Cheap car insurance quotes zip 44460

Salem Ohio Cheap car insurance quotes zip 44460

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Tricare/ER Insurance Question?

"Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)

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

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Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)

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Can i switch car insurance from one car to another?

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Good Insurance? Any Advice?

Hello, I am looking for a good, affordable insurance plan and don't know where to look for some good ratings or tips. I am married but the insurance would only be for me, my son has insurance already as well as my husband. It costs us way to much money to add me to my husbands insurance through work. Any tips on where to look and how to go about the search? I am looking to spend somewhere between $300-$500 monthly for it, I am in the United States. I also have some health issues. Endometriosis and Fibromyalsia. Any tips that would help me out would be so appreciated! Thank you to everyone!""

Which is better car insurance?

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How is mandated health insurance a stepping stone for universal health care?

Doesn't it just make the HMO's/insurance companies more powerful (which will make them more influential)? Won't it just be like mandated car insurance--but much more expensive?

What is the best resource for getting short term car insurance?

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After a motorcycle wreck how much will my insurance go up?

After a motorcycle wreck how much will my insurance go up? I'm 21 and just got the bike a few months ago.

Can i sue auto insurance company without using a lawyer?

i was rear end by another car and his insurance total my car and paid me the book value of the car. i went to physical therapy for about four months. i took x-rays and mri. the mri shows that i have a dislocation in my lower back. but the insurance company has refused to settle me for my injury. my lawyer told me that i should consult another lawyer to sue the insurance company. some lawyers i met are not interested in the case. can i sue the insurance company myself? if so, how do i begin?""

Insurance cost on 95 jeep wrangler?

Insurance cost on 95 jeep wrangler?

""Total cost of new car; insurance, tax, registration etc...?""

I am looking to buy a new used car (new to me). Currently I am driving a POS 1990 honda civic that keeps breaking on me. I have had it for just over a year and put more $ into than I paid for it. It is time for me to get a nice car now. I am aiming for a toyota celica in the early 2000's, $6,000-$8,000. I will be finacing it, and I can afford about $150/month in payments. I realise that I will have to get full coverage insurance (I have liability right now). I hear that is about $800 extra per year. What I want to know is how much is it going to cost me (roughly) to go in, get a new car, trade in my old one, pay taxes on the car, insurance, registration, everything that needs to be done. Obviously it will vary by car, state, situation...but ball parks are okay. There is no such things as too much info right now. I live in the north east if that is of any assistance :] Thanks.""

Is there a way for me to get affordable car insurance?

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How do i get car insurance in brisbane?

im moving to brisbane soon and im wondering how to go about getting car insurance

Car insurance question?

how much is it for a 17 year old for a year of insurence if i have my own car? btw i have allstate and i will be on my parents plan

Health Insurance ????????????

I'm going to live in china for a year and would like to have insurance. I'm just living over there and wont have a job so i wont have health insurance. When i quit my job to move to china I wont have insurance so i need to get some for a whole year. Can someone point me in the right direction to get health insurance. Does anybody know what a basic health insurance plan for a year would cost. Any help would be appreciated. thanks

""Am I able to get health insurance? Please answer, need help?""

I'm 18 years old, I left home because of an ongoing abusive situation, and have been on my own for six months, it's the best thing that could of happened to me. I keep no contact with my parents. I live with an older friend who has two children. I help her around the house in exchange for rent, I buy my own food, pay for my own car insurance, and cover all of my own expenses, etc. I'm a full time college student, and I work around 30 hours a week, and now I'm looking to get affordable health insurance. However, my friend's income is much higher than mine, disqualifying me from subsidized healthcare or medicaid. Health insurance is based on household income. I am not her dependent at all, she has her own health insurance policy. I'm very confused, what course of action do I need to take? Thanks in advance for your answers!""

Should I show the car repairman the insurance estimate?

I was in a wreck that the insurance company of the other driver agreed to pay for. They made an estimate and said they will put a check in the mail. They said that if it costs more than the estimate, then they will take care of that also as long as I show the estimate to the repairman. That seems straightforward... and on the other hand: With other car issues, auto shops have seemed to be willing to underbid each other. I wouldn't mind getting it fixed for less than the check that I'm going to receive. Should I try to get estimates that are independent of the insurance company's estimate to see if I can save money? If I then go with a shop that says they can do it for cheaper, can I trust that they won't say it will be more later?""

How does the good grades thing work for car insurance?

i am 17 and i have gieco...what do i do if i have good grades? and whats the minimum grade requirement?

Best car insurance for 17 yr olds?

been quoted silly money for car insurance...anyone know who is cheapest for 17 yr old 1st time driver????

What are insurance rates on a ninja zx 6r?

What are insurance rates on a ninja zx 6r?

Whats better an automatic s10 or a 5 spd s10 and which will be cheaper on insurance single cab or ext cab?

Whats better an automatic s10 or a 5 spd s10 and which will be cheaper on insurance single cab or ext cab?

""I live in san diego and need affordable health insurance? I make 11,000 year.?""

my parents insurance no longer cover me and graduate school insurance is really expensive. Can anyone help! I make less than 11,000 a year""

Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)

Best insurance companies for 18 year old passed my tes?

ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 18 year old have and who is it with, please :)""

Why is car insurance so expensive?

I'm going in for my test in a few weeks and I'm looking to get just a cheap car to get me from a to b but prices are so ridiculous. I got a quote on a 106 3door 1litre engine the cheapest was just under 900 with a company iv never heard of and my dearest was 4600 with asda even though my beautys going to be sleeping in the garage:) why are they such ridiculous prices?

""Hi, I am coming up to 17 and am going to need insurance for the car i'm going to buy.?""

I'm going to buy a vauxhall corsa 1.0 x reg. I will need to get it insured for when i have a provisional liscence, i've been on the insurance websites and the quotes are coming up at stupid prices like 1100. Does anyone know how to get a good priced insurance quote. I won't be the main user of the car becuase my mum will use it for work. If anyone can help me it will be much appreciated. Thanks""

Is there a new law about not having car insurance?

i heard the law had just changed in California and my insurance just ran out in order to renew i need to drive to the bank and im not sure if i can with no insurance

Auto insurance?

what is the average Auto insurance for a 16- year-old female in Kansas? a friend of mine wants to know.....

Cheapest car insurance for a 17 year old?

What is the cheapest insurance i can get for a Seat Ibiza 1.4 Petrol 2008 Automatic, No modifications made, just passed driving test but can not find a cheap insurance? Can anybody lend me a hand and guide me to the cheapest deals? I have checked all the comparison websites the best i have got is around 2,200.""

What accounts affected by liability insurance?

What accounts affected by liability insurance?

A question about health insurance...?

Newly married and never had to pay for health insurance on my own before. What is a good price, through work, for health insurance benefits?""

Cheap auto insurance?

Ok im 18 with a lience and my papa is thinking of giving me his ford f 150. wat is a super cheap insureance i can get? i dont need all the extra ****. and legally do i even need insurance??

What are the typical insurance rates for small retail businesses?

I'm planning on opening a small book store in East King County, WA in the next year or two. The store will be about 1,100 - 1,200 square feet. Does anyone have an idea of what the premium would be for general liability insurance? I can't get a quote because the store doesn't exist yet, but I need the info for my business plan. Help!""

Car insurance for 16 year old?

rough estimate? i want an 84 GTI rabbit but dont want insurance for it to be 600 bucks, im not 16 yet so i cant get a quote so if anyone can give me a rough estimate that would be great""

How much is the insurance for having an average motorcycle?

I'm 19 years old and living in Santa Monica, CA. I have driver's license and sometimes I drive my parents' car but i don't have an insurance and car yet. I just want to know how much it will be payed for a year for like Harley Davidson or something.""

Can I rent a Car if I don't have Insurance?

I am wanting to go to Vegas for the weekend and I currently don't have a car. Which means I don't have car insurance. I am getting a bunch of mixed messages telling me that I am unable to rent a car because I currently don't have car insurance. Is this true?

Insurance rates on classic sports cars for new drivers?

obviously, insurance rates are higher for new drivers and even more so if they drive a sports car, but aren't rates lower on classic cars? if so does the reduction make up for the car being a sports car? for example, a 1965 Ford Mustang.""

Health and life insurance the same?

I am looking for insurance for my family. I would like to know if health insurance and life insurance plans are the same or not?

The cheapest car to insure for a 17 year old boy?

and dont just say lowest insurance group because iv been looking and so far its been a group 3 clio and iv looked at insurance for an aygo (group 1) i need real examples like i had a fiesta and it was blah not just small hatchbacks are cheap

Where can i get non-owner's insurance in houston?

i need some cheap, yet effective non-owner's insurance. if anyone knows of a smaller insurance company that provides this, preferably on the east side of houston, i would be most grateful. any info would be welcomed (but none of those sarcastic i dunnos just to get points). thanx.""

Term or Whole life insurance which is best for 18 yr old female and what is the difference?

Is $12 per month a good premium for a 30k term life policy for the 18 yr old female?

Insurance for electric components in a car?

I was wondering if anyone knowof an insurance company that offers affordable insurance for the elecltric components in a car such as cars that have a push to start button, navigation etc. The dealership offered insurance however it was not in my price range. Are there companies that have different options you can choose from""

""Classic mini, lessons and insurance for 2.5k?

Classic 998cc mini insurance driving lessons and test all for 2.5k - possible?

Car Insurance.?

Should car insurance still be payed if the car has been taken off the road eg. S.O.R.N was declared. I say it shouldn't but my neighbour said it should be (he's a man!)

I do not have regular health Insurance?

I regularly go for activities like white water rafting. Is it possible to buy cover for injuries from such activities on per event basis?

Drunk driver ran into fence of ours and his insurance wont cover full cost to replace...what can we do?

recently, an underage drunk driver ran his car off the road and into our fence and tore up about 100 feet or so. we had a company come give us an estimate of around $1000 to fix which includes material and labor...the insurance company of the young man that ran into our fence is only willing to pay around $600 because they are saying that the fence is 15 - 20 years old and didnt cost that much back when it was built.....now, i have a huge problem with this...is it our fault that a drunk driver ruined our fence...should we have to pay out of our hard earned money the rest to make sure the fence is put back? is there anything we can do about this? any feedback is helpful....im so mad i want this to get nationally recognized!""

Annuity insurance in colorado?

what is my coverage for an annuity under Colorado law?

How will universial health affect the insurance industry?

How will universial health affect the insurance industry?

Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)

https://www.linkedin.com/pulse/good-car-insurance-17-years-old-lee-rosales"

[rebeccahpedersen]

Predictions For The Fall Market!

TorontoRealtyBlog

How ironic that a “predictions” blog post from me, is, in itself, very predictable.

Yes, I do this feature almost every fall, but it’s borne of necessity, since the army of Toronto buyers and Toronto sellers are about to square off like the Lannisters and the Targaryens.  I’m just not sure how the analogy takes the white-walkers into consideration….

Anyways, let me put my thinking cap on here and provide a few predictions for the three months that lay ahead, but also highlight what you need to be aware of as we move into what is essentially the spring market, on steroids….

1) Prices will go up.

What a salesman, eh?

I mean, this guy is a real estate agent, he writes a blog, and he has the gall to tell the reading public “prices will go up.”

Well, if the shoe fits, wear it.

I’m not saying prices will go up because I want them to.  As I have said before, many times, I have no vested interest in prices going up.  In fact, with my wife and I looking to buy a house that is at least double the value of our condo, it would make sense for us to cheer for prices to go down, since, assuming all things considered equal, the amount our condo goes down in value will be half of the amount the house decreases in value.

So take what I say, with a grain of salt, if you so choose.

But I’m saying prices will go up because, simply, they will.

As I write this, I don’t have the August TREB data, but I can almost guarantee that prices will increase this fall.

I suspect that the Average Sale Price for the month of August will be somewhere in the $740,000 – $760,000 range, meaning that it could represent a fourth consecutive month-over-month decline, or could be moderately higher than the July figure.  But either way, the number won’t be significant.

What is significant, is where prices were to start the year, where they went in the spring, and where they are now.

You’ve seen this chart from me on many occasions, but why not take yet another look?

This is the average sale price in Toronto going back to last summer, and on the right I’ve marked the increase in average sale price from last December to this April (26%), and the decline from April to July (19%).

Now again, take this with a grain of sale because it sounds like BS, but I don’t believe that the decline in average home price, from a percentage basis, can be directly applied to the market out there.

The numbers say that the average sale price is down 19% since April.

Can you show me a $1,000,000 house in April that’s $810,000 now?

Or a $500,000 condo that’s $405,000 today?

I haven’t seen it.

I’ve given a lot of newspaper interviews on this topic, and the person on the other end of the line is always saying, “Yeah, that’s the sentiment out there; I’ve yet to speak to an agent who agrees with the numbers.”

Delving into those numbers, and looking at why they’re so low (ie. more luxury homes being sold in early 2017?) is a topic for another day.

There’s no doubt the market has dropped since March/April, but not nearly to that extent.

So allow me now to make a couple of predictions within this prediction, or rather further explain why my #1 point is “Prices will go up.”

i) The September Average Sale Price will be higher than July or August.

This is a no-brainer, folks.

First and foremost, we’ll be coming off four straight months of declining prices.  Doomsdayers be warned – there’s nowhere to go but up.

Secondly, and more importantly, there is so much pent-up demand out there, and while we expect the market to explode with new listings after Labour Day, there isn’t, and likely never will be, more supply than demand.  We’re going to see prices pick up right off the bat, and that Average Sale Price will push back over $800,000 in September.

ii) The October Average Sale Price will be higher than September.

September will fuel October.

The market conditions, the sales, the prices, and the buyer and seller sentiment in September will set the table for the rest of the fall.

We might see a slow first or second week of September, as buyers wait and see how things are looking, and sellers hold back listings to get new “comparable sales” posted on MLS that help with their pricing, but once we’re underway, it’s going to be busy.

iii) Prices will go up 10% from the summer.

That $746,218 “Average Sale Price” from July of 2017 is just shockingly-low.

So is it really a stretch to suggest that we’ll add 10% to that?

The $920,000 peak in April might not be attainable this fall, but a 10% increase from $746,218 would only result in an average sale price of $820,840, which brings us back to a level found somewhere between January and February.

A 15% increase, which sounds absurd for a 3-month time period, would bring the average sale price up to $858,151, which is still significantly lower than the March/April peak.

I think a lot of people know this, and this is going to further fuel demand.

I have more investor-clients right now than I had in the super-busy spring market, all of whom are looking to pick up 1-bed, 1-bath condos for less than they’d have paid in the spring.

–

2) Conditions will be reminiscent of the spring – and some buyers will be caught off guard.

Nothing will ever rival January to April of 2017.

I spoke to a reporter from Report on Business over the weekend who is putting together a significant expose on the spring market, and I think it’ll be a fascinating read.

How did things blow up so quickly?

Low supply, high demand, new tactics (both buyers and sellers are to blame for that one!), and ultimately mania.  Call it panic if you want, but I think “mania” is a better word.

This fall, I expect low supply and high demand, but not as low supply as the spring, and not as high demand either.  Interest rates have risen, government initiatives have been taken, and the buyer pool seems a bit more cautious.  There are a host of reasons why the market is not like it was in the spring.

However, there are a host of reasons why the market will continue to be busy, and continue to remind people of what the spring was like.

Not the same, but similar, and that’s an important distinction.

If you’re a buyer, and you think you’re going to walk into an $899,900 semi-detached house, and be the only buyer “because the market has cooled,” you’re in for a rude awakening.

Yes, the market has cooled.  And yes, the media are obsessed with covering the topic.

But that doesn’t mean that it won’t be business as usual in the busy fall market.

There will still be offer dates, multiple offers, over-asking sale prices, and bully offers.

The current levels of supply and demand necessitate it.

We might only see, say, three offers on that $899,900 semi, whereas we might have seen nine in March, but buyers can’t hope, dream, and will their way to a market that simply doesn’t, and won’t exist.

I wish we were in a balanced market.

I wish “every person living in the city of Toronto could afford to own a home,” as the sentiment often goes.

But despite a drop in the average home price over the past several months, and softer market conditions, we are not in a buyers’ market.  We are entering a very busy, very shortened part of the real estate calendar, and there will still be competition for virtually every freehold home in the core.

Buyers who come into the fall market will incorrect information, and perhaps illusions of grandeur, will get left behind.

–

3) Rental battles will be fierce.

I’ve blogged about this over the summer here and there, so it bears mentioning once again.

When I was on vacation down in Idaho, I brought out a lease for a 1-bed-plus-den, 1-bath unit, listed at $2,150/month.  All the lease agents in my office were teasing, “Get ready – you have no idea what’s coming!”  They told me, “Some vacation you’re about to have!”

They were right.  I got six offers in 36 hours.

But that was nothing compared to the stories I heard from the agents I spoke to.

One agent told me, “I just won a sixteen-offer bidding war for a rental in Liberty Village last night.”  He was so happy, and so proud, and it was eerily reminiscent of the spring market for sales.

Another agent told me, “I’ve lost nine offers to lease………this week.”

I didn’t even know how that was possible, until he explained, in great detail, which nine properties he had lost out on for three different rental clients.

Some of you will suggest that the September 1st rental start date was the reason for the summer mayhem, and while that is a big date, I don’t think we’ll see a significant drop-off in activity in the fall.

In fact, the real reason for the fierce rental market, which is something I’d like to explore in Thursday’s blog post, is the unintended consequences from the Liberal government’s “Fair Housing Plan,” announced last April.  There are fewer properties on the rental market, renters are staying longer, and there are fewer purpose-built rental developments underway.  I’ll come back to this on Thursday.

I think the idea of paying $2,150 per month for a 700 square foot, 1-bedroom condo is crazy, and unfortunately, I can see how it’s impossible for somebody making $40,000 per year to find a way to live in this city.  But circumstance and misfortune don’t change reality, and never will.

The demand for rental properties is high.  The supply of rental properties is low.

Competition is fierce, and will remain as such.

–

4) It will go by very fast.

I’ve heard this a lot lately, although it’s been about something else.

“It goes by fast,” people tell me.

“Blink, and it’s gone,” I’m told.

This is primarily in reference to raising children, as people who have gone through it love telling others how quickly the time passes, and ultimately how my daughter will be going away to university before I know it, but it could also be said of the fall market.

The “spring” market, which starts in the winter, and ends in the summer, runs from January 1st to June 30th.

It’s a six-month market, broken up in the middle by Spring Break and the Easter/Passover holidays, but it encompasses half of the year.

A lot of buyers who start their search in the “new year” end up dragging their feet, and after losing an offer or two, they end up buying a home in May, and moving in the summer.

In the fall, that timeline just doesn’t work.

The fall market is only three months.  It starts a week into September, and by the time you’re a week into December, the market basically shuts down for the year.

This is part of the reason why I think a bit of mania will set in eventually.  Not to the same extent as the spring, but if you’re a buyer still looking by the third week of November, and you know that the market dies out in the first week of December, you’re going to push a little harder, bid a little higher, and be more aggressive.

–

5) The government will continue to meddle in the market.

You know when you get dry lips, and you keep licking them?

Licking them makes it worse.

But once you start, you just can’t stop.

It’s not necessarily an “addiction” per se, but rather an uncontrollable desire, both physical and mental, despite the knowledge that what you’re doing is having a negative effect.

I see a similarity when it comes to the government intervening in the real estate market.

The only difference is: they don’t seem to know what they’re doing is having a negative effect, or unintended consequences.

The “Ontario Fair Housing Plan” was a farce.  It was 14 points of utter nonsense, and not a whole lot of people took it seriously.

The changes to the rental market are just insane.  Forcing landlords to give a month’s rent to a tenant when the landlord wants to evict them for their own use is so over the top, it makes my stomach churn, and this is after the government brought in rent controls.

The Liberal government are continuing to lick their dry lips, and they just can’t stop.

They seem very set on the idea of regulating real estate agent representation, something I don’t agree with in the slightest.

Few governments are proactive; most are reactive.  And just as the B.C. government leaped into action last year with a slew of new policies after revelations about shadow-flipping, and foreign ownership, the Ontario government must have watched that CBC “hidden camera” special on Realtors double-ending more than a few times, and now they’ve decided they need to act.

I’ve written entire blogs on this subject, so I won’t get into it now.  I think the consumer deserves to choose their own representation, and they don’t need the government to meddle.

But the government has the taste for meddling, and I don’t think they’re anywhere close to being done.

What other policies could they put into place?

Your guess is as good as mine.

But nothing is off the table here.

The government doesn’t seem to think that building infrastructure to help move people to places, and allow greater urban sprawl, is the answer to the real estate crisis.  Instead, they’re looking to win acknowledgement from the public with short-term, ineffective, band-aid solutions that they can announce in front of a podium.

So mark my words – we’re going to hear a lot more about government housing policies this fall, and as I said, nothing is off the table.

–

There we have it, folks!

My ‘brief’ thoughts on the market that lays ahead, starting today: the first day ‘back.’

Just like the first day of school when you were a kid, today had that undeniable feeling that summer is over.  It was a couple of degrees colder, it seemed a wee bit darker out when you got up in the morning, and fewer people seem to be smiling.

Yes, we’re “back” from summer.  And I never even got a chance to put my summer tires on my car…

The post Predictions For The Fall Market! appeared first on Toronto Real Estate Property Sales & Investments | Toronto Realty Blog by David Fleming.

Originated from http://ift.tt/2eY9U3F

[delicatefury]

Time to get some stuff done

So. Yesterday was my do-nothing day*. I’m pretty well rested, and I still have 4 (3 and a half) days off before the project restarts. Going to the mall on Monday or Tuesday to pick up new shoes and a jacket (my converse started doing the thing where the bottom of the sole starts popping out whenever I bend my foot. That’s usually a good sign that I need new ones). I’m probably gonna be weak and pick up a New2DS while I’m there. I love my 3DS, I do. But the button issues are starting to get frustrating.

Speaking of frustrating, the landlords are getting ridiculous. We still haven’t signed the new lease. Not because we don’t want to, but because the landlord company won’t send it to us. I asked them to hold off for one thing, I wanted my brother added, and I told them if they needed anything else from us, tell me. Otherwise we’re good to go. So he did the stuff they asked him to and he got access to the online portal and everything. So you’d think, now that the one thing is done, the new lease would be up and ready to sign, right? 

Nope. So I emailed them about it on... Thursday. I still haven’t heard from them, but that’s okay. It’s the weekend. The issue is that I tried to pay my rent early. Forgot my password. So I had them send me a password reset... nothing. I’ve tried five times. It’s the weekend, so I can’t call the landlord to see what’s up, but I also can’t pay my rent. So, I don’t know if this is a me thing, a server thing, or a them thing. The plan right now is to see if my siblings, who know their passwords, can log in. If they can’t, I’m gonna email again on Monday. That doesn’t work? I’m gonna call. That doesn’t work? I’m gonna show up at their office with my law license, a copy of my state’s Landlord-Tenant act in hand (appropriate passages highlighted), and a check for the rent. All indication is that they still want us as tenants. We don’t cause a fuss, we take care of most issues as soon as they crop up, and we keep the yard neat. The house isn’t up on their site, and by law they have to give us a 30 day heads-up if they’re kicking us out since we’re technically month-to-month right now. I’m not worried per se, but I’m starting to get pissed.

On a brighter note, my new black ink and fountain pen showed up. The fountain pen is not as fine a line as I was hoping (none of them are, to be honest, but this one seems especially thick-lined) but it’s pretty. I have such cramped writing, though, that I have to force myself to use broad strokes or else it turns into an illegible smudge. So I carry around 3 separate but equally important types of pens at all times (I have a lot of pens in my bag). The fountain pens, which are pretty and help when I need motivation to keep writing (I’m not kidding about putting ink to paper being creatively stimulating for me); Sharpie pens which are practical, affordable (comparatively to the other two types) and come in quite a few colors which makes them ideal for editing, since I end up writing more notes than original text when I self-edit. And micron artist pens. Yeah... I mean, yeah, I use them for actual art, but really? They have such nice fine and distinct nibs. When getting the idea down fast is the important bit, the microns let my tiny, cramped, messy, but fast writing be... well, mostly legible.

But I never know what kind I’m gonna need when I leave, so my backpack and purse carry anywhere from 3 to over a dozen pens of various types and colors at any point in time.

Okay, I’ve now wasted a lot of time on this post. I’m actually moving forward on chapter 4 (finally) and I think I’ve got a good flow worked out for the conversation. (Ugh). So I’m gonna get a new drink and try to snag a table inside. Am I gonna be overcaffeinated tonight? Yes. Yes I am. But I’ve got nowhere to be tomorrow (shopping is contingent on my sister’s plans. We haven’t really hung out outside of tv watching for a while) and some stuff to work on tonight.

Knitting and cleaning and list making. Lots of list making. My parents are showing up on Friday and I’m gonna have this house clean.

*do-nothing excepting the 2 grocery runs and the laundry. I did no writing and no major projects.

[stormdoors78476]

Deconstructed: The good, the bad and the ugly of Ontario’s 16-point plan to tame housing

On Thursday, the Ontario government introduced measures intended to cool the housing market in the Greater Toronto Area. Here’s a breakdown of all 16 and the impact housing markets experts believe they will or will not have.

  1. A 15-per-cent Non-Resident Speculation Tax (NRST) on the price of homes in the Greater Golden Horseshoe (GGH) purchased by individuals who are not citizens or permanent residents of Canada or by foreign corporations

The tax is ultimately aimed at curbing price increases in the GTA, which the Toronto Real Estate Board said climbed 33 per cent in March from a year ago. Will it work?

“It’s a step in the right direction,” said Benjamin Tal, deputy chief economist of CIBC World Markets. “We estimate that the share of foreign buyers in the GTA is notably lower than in Vancouver.”

The problem is that if Vancouver is any example there will be a short period during which domestic buyers will sit on the sidelines before jumping right back six months later.

Shaun Hildebrand, senior-vice-president of Urbanation Inc., says if you are desperate to park your money offshore the 15 per cent tax probably doesn’t matter.

“If you are a foreign buyer with no connection to the region, you must have a pretty big motivation to move that money here,” he said.

2. Expanding rent control to all private rental units in Ontario, including those that were built after 1991

Sources indicate this was a last minute change.

The province had been lobbied heavily by the development community, which was hoping for a change that would have given those post-1991 buildings an annual increase of 1.5 per cent plus the rate of inflation.

Builders on Thursday where already threatening to cancel projects because of the limit on rental hikes and Tal says, from his conversations with developers that they need an average of 3 per cent to 3.5 per cent rent inflation to make projects work.

“While it will be favourable for renters that get rent-controlled properties, such action incents builders to shift away from constructing new rental projects,” said Craig Alexander, chief economist with the Conference Board of Canada.

3. Developing a standard lease for all tenants across the province

The standard lease for all tenants is being pitched as protecting tenants and providing predictability for landlords.

A key provision is tightening provisions for own-use evictions, and ensuring that tenants are adequately compensated. In the condominium market, individual investors have long used the tactic of moving into their own unit to evict tenants. The tenant leaves, the landlord temporarily moves in and then rents the unit again — this time at a higher price.

The province is keeping vacancy decontrol, which allows landlords to set rents at whatever price they want when an apartment is empty.

4. The province will look at at its own surplus land to see what can be used for development purposes

Brian Johnston, chief operating officer of Mattamy Homes Ltd., doesn’t think this will do much to address supply problems in the GTA.

“They can look at it but are they really going to do anything with those lands?” he asked. “Let’s see. I can go look at my backyard and see if I can build a high-rise, it’s not easy to do.”

5. Allowing the City of Toronto, and potentially other interested municipalities, to introduce a vacant homes property tax to encourage property owners to sell unoccupied units or rent them out

While Vancouver already has a vacancy tax that will go into effect this year, it is still unclear how such a levy will function in practice

“There are very few examples of such taxes,” said Beata Caranci, chief economist with Toronto-Dominion Bank, noting that Vancouver and Camden in the U.K. are the only two jurisdictions to implement them. 

“Camden’s experience with an additional 50 per cent property tax in 2013 has led to approximately one-third of vacant properties being brought to the rental market,” she said. “However, the tracking of vacant properties can be difficult and often subjective.”

6. Ensuring that property tax for new multi-residential apartment buildings is charged at a similar rate as other residential properties

The province says the move, which applies across Ontario, will encourage developers to build more new purpose-built rental housing, but not all agree.

“It’s just nowhere near enough money. It’s an incredibly risky thing to build a $100 million or $200 million property, deliver it vacant (as opposed to pre-selling units like in a condominium) and then try to make money through all the future economic possibilities,” said Brad Lamb, a Toronto developer.

7. Introducing a targeted $125-million, five-year program to further encourage the construction of new rental apartment buildings by rebating a portion of development charges

Jim Murphy, president of Federation of Rental Housing Providers of Ontario, said that money is not even going to come close to dealing with the shortfall created by rent control.

“We did a survey of 15 builders, a small sample, and it equated to $2.7 billion of planned new construction for rental, that’s a small sample. That money is now at risk, so $125 million is a very small amount.”

8. Allowing municipalities greater taxing tools, including a vacant land tax

With house prices rising quickly, there have been complaints about developers holding onto land and even hoarding it as they wait for prices to raise.

“It’s a step in the right direction,” said Tal. “It is not a secret that land hoarding (by land owners or developers) plays a (secondary) role in the lack of land supply in the GTA. At the margin, that tax might help to accelerate developments, but it might be very difficult to implement without a high level of co-operation with municipalities.”

9. Creating a new “housing supply team” with dedicated provincial employees to identify barriers to specific housing development projects and work with developers and municipalities to find solutions

Building industry officials noted there was nothing in the announcement Thursday about the Ontario Municipal Board, the provincial body that reviews planning issues. They say they are more concerned about changes to the OMB and maintain delays in appeals are costing time and money.

10. Understanding and tackling practices that may be contributing to tax avoidance and excessive speculation in the housing market

Assignment clauses were specifically mentioned by finance Charles Sousa in a press conference. Generally, buyers are “paper flipping” those properties before a deal even closes.

The province seems to want to make sure it is getting properly compensated under the land transfer tax when such arrangements take place and will share the information with the Canada Revenue Agency.

11. Reviewing the rules for real estate agents to ensure consumers are fairly represented in real estate transactions

The province wants to get tough on reports of phantom bids, whereby fake offers are used as a wedge to make people bid more. It also looking at double ending, whereby the same agent can be representing the buyer and the seller.

Phil Soper, chief executive of Royal LePage Real Estate Services Ltd., said doubling ending is legal in most provinces with some restrictions in British Columbia, but his own firm has instituted rules against it.

“We require in multiple offer situations that if an agent has their own buyer client (in addition to representing the seller), that a manager be involved to represent that client buyer’s offer,” said Soper. “The biggest issue in our industry is transparency.”

12. Establishing a housing advisory group which will meet quarterly to provide the government with ongoing advice about the state of the housing market

What if none of the changes actually work? This group may be busy coming up with new plans. It will be made up of economists, academics, developers, community groups and the real estate sector.

13. Educating consumers on their rights, particularly when it comes to the issue of one real estate professional representing more than one party in a real estate transaction

In most cases an agent acting on both sides of the deal is legally working for the seller. Some agents maintain this isn’t an issue when there is just one buyer — it comes down to agreeing on a price. In a multiple offer auction, the situation becomes more complex because consumers are caught in bidding wars.

14. Partnering with the Canada Revenue Agency to explore more comprehensive reporting requirements so that correct federal and provincial taxes, including income and sales taxes, are paid on purchases and sales of real estate in Ontario

Flippers beware. The province could provide the CRA with information to follow up on capital gains taxes that have not been paid.

Through the changes to the collection of the land transfer tax, which go into effect April 24, Ontario will require buyers to declare whether a unit is being used as principal residence and therefore eligible for a tax exemption. Ontario is also demanding to know if you are leasing and the CRA could be armed with information about your rental income.

15. Making elevators in Ontario buildings more reliable by establishing timelines for elevator repair in consultation with the sector

It’s a constant complaint of some tenants in downtown condominiums that they are always waiting for elevators.

Upgrading the number of elevators after the fact would prove to be very difficult if not impossible, but hard rules on repair time lines would at least provide some relief.

16. The province will work with municipalities to better reflect the needs of the growing Greater Golden Horseshoe through an updated Growth Plan. New provisions will include requiring that municipalities consider the appropriate range of unit sizes in higher density residential buildings to accommodate a diverse range of household sizes and incomes

This could ultimately mean more density coming to a suburb near you and potentially stall development in projects where the economics simply don’t work for the building industry.

“Higher provincial intensity targets for municipalities?” asks Mattamy’s  Johnston. “The municipalities favour low-rise over high-rise. Generally, they don’t like high rises in their bedroom communities.”

Inclusionary zoning, which requires a share of housing be dedicated to low income, will kill many projects. “It just makes some some high-rises unfeasible thus further restricting supply,” he said.

gmarr@postmedia.com http://twitter.com/dustywallet

from DIYS http://ift.tt/2pKs0tM

[realestate63141]

Deconstructed: The good, the bad and the ugly of Ontario’s 16-point plan to tame housing

On Thursday, the Ontario government introduced measures intended to cool the housing market in the Greater Toronto Area. Here’s a breakdown of all 16 and the impact housing markets experts believe they will or will not have.

  1. A 15-per-cent Non-Resident Speculation Tax (NRST) on the price of homes in the Greater Golden Horseshoe (GGH) purchased by individuals who are not citizens or permanent residents of Canada or by foreign corporations

The tax is ultimately aimed at curbing price increases in the GTA, which the Toronto Real Estate Board said climbed 33 per cent in March from a year ago. Will it work?

“It’s a step in the right direction,” said Benjamin Tal, deputy chief economist of CIBC World Markets. “We estimate that the share of foreign buyers in the GTA is notably lower than in Vancouver.”

The problem is that if Vancouver is any example there will be a short period during which domestic buyers will sit on the sidelines before jumping right back six months later.

Shaun Hildebrand, senior-vice-president of Urbanation Inc., says if you are desperate to park your money offshore the 15 per cent tax probably doesn’t matter.

“If you are a foreign buyer with no connection to the region, you must have a pretty big motivation to move that money here,” he said.

2. Expanding rent control to all private rental units in Ontario, including those that were built after 1991

Sources indicate this was a last minute change.

The province had been lobbied heavily by the development community, which was hoping for a change that would have given those post-1991 buildings an annual increase of 1.5 per cent plus the rate of inflation.

Builders on Thursday where already threatening to cancel projects because of the limit on rental hikes and Tal says, from his conversations with developers that they need an average of 3 per cent to 3.5 per cent rent inflation to make projects work.

“While it will be favourable for renters that get rent-controlled properties, such action incents builders to shift away from constructing new rental projects,” said Craig Alexander, chief economist with the Conference Board of Canada.

3. Developing a standard lease for all tenants across the province

The standard lease for all tenants is being pitched as protecting tenants and providing predictability for landlords.

A key provision is tightening provisions for own-use evictions, and ensuring that tenants are adequately compensated. In the condominium market, individual investors have long used the tactic of moving into their own unit to evict tenants. The tenant leaves, the landlord temporarily moves in and then rents the unit again — this time at a higher price.

The province is keeping vacancy decontrol, which allows landlords to set rents at whatever price they want when an apartment is empty.

4. The province will look at at its own surplus land to see what can be used for development purposes

Brian Johnston, chief operating officer of Mattamy Homes Ltd., doesn’t think this will do much to address supply problems in the GTA.

“They can look at it but are they really going to do anything with those lands?” he asked. “Let’s see. I can go look at my backyard and see if I can build a high-rise, it’s not easy to do.”

5. Allowing the City of Toronto, and potentially other interested municipalities, to introduce a vacant homes property tax to encourage property owners to sell unoccupied units or rent them out

While Vancouver already has a vacancy tax that will go into effect this year, it is still unclear how such a levy will function in practice

“There are very few examples of such taxes,” said Beata Caranci, chief economist with Toronto-Dominion Bank, noting that Vancouver and Camden in the U.K. are the only two jurisdictions to implement them. 

“Camden’s experience with an additional 50 per cent property tax in 2013 has led to approximately one-third of vacant properties being brought to the rental market,” she said. “However, the tracking of vacant properties can be difficult and often subjective.”

6. Ensuring that property tax for new multi-residential apartment buildings is charged at a similar rate as other residential properties

The province says the move, which applies across Ontario, will encourage developers to build more new purpose-built rental housing, but not all agree.

“It’s just nowhere near enough money. It’s an incredibly risky thing to build a $100 million or $200 million property, deliver it vacant (as opposed to pre-selling units like in a condominium) and then try to make money through all the future economic possibilities,” said Brad Lamb, a Toronto developer.

7. Introducing a targeted $125-million, five-year program to further encourage the construction of new rental apartment buildings by rebating a portion of development charges

Jim Murphy, president of Federation of Rental Housing Providers of Ontario, said that money is not even going to come close to dealing with the shortfall created by rent control.

“We did a survey of 15 builders, a small sample, and it equated to $2.7 billion of planned new construction for rental, that’s a small sample. That money is now at risk, so $125 million is a very small amount.”

8. Allowing municipalities greater taxing tools, including a vacant land tax

With house prices rising quickly, there have been complaints about developers holding onto land and even hoarding it as they wait for prices to raise.

“It’s a step in the right direction,” said Tal. “It is not a secret that land hoarding (by land owners or developers) plays a (secondary) role in the lack of land supply in the GTA. At the margin, that tax might help to accelerate developments, but it might be very difficult to implement without a high level of co-operation with municipalities.”

9. Creating a new “housing supply team” with dedicated provincial employees to identify barriers to specific housing development projects and work with developers and municipalities to find solutions

Building industry officials noted there was nothing in the announcement Thursday about the Ontario Municipal Board, the provincial body that reviews planning issues. They say they are more concerned about changes to the OMB and maintain delays in appeals are costing time and money.

10. Understanding and tackling practices that may be contributing to tax avoidance and excessive speculation in the housing market

Assignment clauses were specifically mentioned by finance Charles Sousa in a press conference. Generally, buyers are “paper flipping” those properties before a deal even closes.

The province seems to want to make sure it is getting properly compensated under the land transfer tax when such arrangements take place and will share the information with the Canada Revenue Agency.

11. Reviewing the rules for real estate agents to ensure consumers are fairly represented in real estate transactions

The province wants to get tough on reports of phantom bids, whereby fake offers are used as a wedge to make people bid more. It also looking at double ending, whereby the same agent can be representing the buyer and the seller.

Phil Soper, chief executive of Royal LePage Real Estate Services Ltd., said doubling ending is legal in most provinces with some restrictions in British Columbia, but his own firm has instituted rules against it.

“We require in multiple offer situations that if an agent has their own buyer client (in addition to representing the seller), that a manager be involved to represent that client buyer’s offer,” said Soper. “The biggest issue in our industry is transparency.”

12. Establishing a housing advisory group which will meet quarterly to provide the government with ongoing advice about the state of the housing market

What if none of the changes actually work? This group may be busy coming up with new plans. It will be made up of economists, academics, developers, community groups and the real estate sector.

13. Educating consumers on their rights, particularly when it comes to the issue of one real estate professional representing more than one party in a real estate transaction

In most cases an agent acting on both sides of the deal is legally working for the seller. Some agents maintain this isn’t an issue when there is just one buyer — it comes down to agreeing on a price. In a multiple offer auction, the situation becomes more complex because consumers are caught in bidding wars.

14. Partnering with the Canada Revenue Agency to explore more comprehensive reporting requirements so that correct federal and provincial taxes, including income and sales taxes, are paid on purchases and sales of real estate in Ontario

Flippers beware. The province could provide the CRA with information to follow up on capital gains taxes that have not been paid.

Through the changes to the collection of the land transfer tax, which go into effect April 24, Ontario will require buyers to declare whether a unit is being used as principal residence and therefore eligible for a tax exemption. Ontario is also demanding to know if you are leasing and the CRA could be armed with information about your rental income.

15. Making elevators in Ontario buildings more reliable by establishing timelines for elevator repair in consultation with the sector

It’s a constant complaint of some tenants in downtown condominiums that they are always waiting for elevators.

Upgrading the number of elevators after the fact would prove to be very difficult if not impossible, but hard rules on repair time lines would at least provide some relief.

16. The province will work with municipalities to better reflect the needs of the growing Greater Golden Horseshoe through an updated Growth Plan. New provisions will include requiring that municipalities consider the appropriate range of unit sizes in higher density residential buildings to accommodate a diverse range of household sizes and incomes

This could ultimately mean more density coming to a suburb near you and potentially stall development in projects where the economics simply don’t work for the building industry.

“Higher provincial intensity targets for municipalities?” asks Mattamy’s  Johnston. “The municipalities favour low-rise over high-rise. Generally, they don’t like high rises in their bedroom communities.”

Inclusionary zoning, which requires a share of housing be dedicated to low income, will kill many projects. “It just makes some some high-rises unfeasible thus further restricting supply,” he said.

gmarr@postmedia.com http://twitter.com/dustywallet

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Deconstructed: The good, the bad and the ugly of Ontario’s 16-point plan to tame housing

On Thursday, the Ontario government introduced measures intended to cool the housing market in the Greater Toronto Area. Here’s a breakdown of all 16 and the impact housing markets experts believe they will or will not have.

  1. A 15-per-cent Non-Resident Speculation Tax (NRST) on the price of homes in the Greater Golden Horseshoe (GGH) purchased by individuals who are not citizens or permanent residents of Canada or by foreign corporations

The tax is ultimately aimed at curbing price increases in the GTA, which the Toronto Real Estate Board said climbed 33 per cent in March from a year ago. Will it work?

“It’s a step in the right direction,” said Benjamin Tal, deputy chief economist of CIBC World Markets. “We estimate that the share of foreign buyers in the GTA is notably lower than in Vancouver.”

The problem is that if Vancouver is any example there will be a short period during which domestic buyers will sit on the sidelines before jumping right back six months later.

Shaun Hildebrand, senior-vice-president of Urbanation Inc., says if you are desperate to park your money offshore the 15 per cent tax probably doesn’t matter.

“If you are a foreign buyer with no connection to the region, you must have a pretty big motivation to move that money here,” he said.

2. Expanding rent control to all private rental units in Ontario, including those that were built after 1991

Sources indicate this was a last minute change.

The province had been lobbied heavily by the development community, which was hoping for a change that would have given those post-1991 buildings an annual increase of 1.5 per cent plus the rate of inflation.

Builders on Thursday where already threatening to cancel projects because of the limit on rental hikes and Tal says, from his conversations with developers that they need an average of 3 per cent to 3.5 per cent rent inflation to make projects work.

“While it will be favourable for renters that get rent-controlled properties, such action incents builders to shift away from constructing new rental projects,” said Craig Alexander, chief economist with the Conference Board of Canada.

3. Developing a standard lease for all tenants across the province

The standard lease for all tenants is being pitched as protecting tenants and providing predictability for landlords.

A key provision is tightening provisions for own-use evictions, and ensuring that tenants are adequately compensated. In the condominium market, individual investors have long used the tactic of moving into their own unit to evict tenants. The tenant leaves, the landlord temporarily moves in and then rents the unit again — this time at a higher price.

The province is keeping vacancy decontrol, which allows landlords to set rents at whatever price they want when an apartment is empty.

4. The province will look at at its own surplus land to see what can be used for development purposes

Brian Johnston, chief operating officer of Mattamy Homes Ltd., doesn’t think this will do much to address supply problems in the GTA.

“They can look at it but are they really going to do anything with those lands?” he asked. “Let’s see. I can go look at my backyard and see if I can build a high-rise, it’s not easy to do.”

5. Allowing the City of Toronto, and potentially other interested municipalities, to introduce a vacant homes property tax to encourage property owners to sell unoccupied units or rent them out

While Vancouver already has a vacancy tax that will go into effect this year, it is still unclear how such a levy will function in practice

“There are very few examples of such taxes,” said Beata Caranci, chief economist with Toronto-Dominion Bank, noting that Vancouver and Camden in the U.K. are the only two jurisdictions to implement them. 

“Camden’s experience with an additional 50 per cent property tax in 2013 has led to approximately one-third of vacant properties being brought to the rental market,” she said. “However, the tracking of vacant properties can be difficult and often subjective.”

6. Ensuring that property tax for new multi-residential apartment buildings is charged at a similar rate as other residential properties

The province says the move, which applies across Ontario, will encourage developers to build more new purpose-built rental housing, but not all agree.

“It’s just nowhere near enough money. It’s an incredibly risky thing to build a $100 million or $200 million property, deliver it vacant (as opposed to pre-selling units like in a condominium) and then try to make money through all the future economic possibilities,” said Brad Lamb, a Toronto developer.

7. Introducing a targeted $125-million, five-year program to further encourage the construction of new rental apartment buildings by rebating a portion of development charges

Jim Murphy, president of Federation of Rental Housing Providers of Ontario, said that money is not even going to come close to dealing with the shortfall created by rent control.

“We did a survey of 15 builders, a small sample, and it equated to $2.7 billion of planned new construction for rental, that’s a small sample. That money is now at risk, so $125 million is a very small amount.”

8. Allowing municipalities greater taxing tools, including a vacant land tax

With house prices rising quickly, there have been complaints about developers holding onto land and even hoarding it as they wait for prices to raise.

“It’s a step in the right direction,” said Tal. “It is not a secret that land hoarding (by land owners or developers) plays a (secondary) role in the lack of land supply in the GTA. At the margin, that tax might help to accelerate developments, but it might be very difficult to implement without a high level of co-operation with municipalities.”

9. Creating a new “housing supply team” with dedicated provincial employees to identify barriers to specific housing development projects and work with developers and municipalities to find solutions

Building industry officials noted there was nothing in the announcement Thursday about the Ontario Municipal Board, the provincial body that reviews planning issues. They say they are more concerned about changes to the OMB and maintain delays in appeals are costing time and money.

10. Understanding and tackling practices that may be contributing to tax avoidance and excessive speculation in the housing market

Assignment clauses were specifically mentioned by finance Charles Sousa in a press conference. Generally, buyers are “paper flipping” those properties before a deal even closes.

The province seems to want to make sure it is getting properly compensated under the land transfer tax when such arrangements take place and will share the information with the Canada Revenue Agency.

11. Reviewing the rules for real estate agents to ensure consumers are fairly represented in real estate transactions

The province wants to get tough on reports of phantom bids, whereby fake offers are used as a wedge to make people bid more. It also looking at double ending, whereby the same agent can be representing the buyer and the seller.

Phil Soper, chief executive of Royal LePage Real Estate Services Ltd., said doubling ending is legal in most provinces with some restrictions in British Columbia, but his own firm has instituted rules against it.

“We require in multiple offer situations that if an agent has their own buyer client (in addition to representing the seller), that a manager be involved to represent that client buyer’s offer,” said Soper. “The biggest issue in our industry is transparency.”

12. Establishing a housing advisory group which will meet quarterly to provide the government with ongoing advice about the state of the housing market

What if none of the changes actually work? This group may be busy coming up with new plans. It will be made up of economists, academics, developers, community groups and the real estate sector.

13. Educating consumers on their rights, particularly when it comes to the issue of one real estate professional representing more than one party in a real estate transaction

In most cases an agent acting on both sides of the deal is legally working for the seller. Some agents maintain this isn’t an issue when there is just one buyer — it comes down to agreeing on a price. In a multiple offer auction, the situation becomes more complex because consumers are caught in bidding wars.

14. Partnering with the Canada Revenue Agency to explore more comprehensive reporting requirements so that correct federal and provincial taxes, including income and sales taxes, are paid on purchases and sales of real estate in Ontario

Flippers beware. The province could provide the CRA with information to follow up on capital gains taxes that have not been paid.

Through the changes to the collection of the land transfer tax, which go into effect April 24, Ontario will require buyers to declare whether a unit is being used as principal residence and therefore eligible for a tax exemption. Ontario is also demanding to know if you are leasing and the CRA could be armed with information about your rental income.

15. Making elevators in Ontario buildings more reliable by establishing timelines for elevator repair in consultation with the sector

It’s a constant complaint of some tenants in downtown condominiums that they are always waiting for elevators.

Upgrading the number of elevators after the fact would prove to be very difficult if not impossible, but hard rules on repair time lines would at least provide some relief.

16. The province will work with municipalities to better reflect the needs of the growing Greater Golden Horseshoe through an updated Growth Plan. New provisions will include requiring that municipalities consider the appropriate range of unit sizes in higher density residential buildings to accommodate a diverse range of household sizes and incomes

This could ultimately mean more density coming to a suburb near you and potentially stall development in projects where the economics simply don’t work for the building industry.

“Higher provincial intensity targets for municipalities?” asks Mattamy’s  Johnston. “The municipalities favour low-rise over high-rise. Generally, they don’t like high rises in their bedroom communities.”

Inclusionary zoning, which requires a share of housing be dedicated to low income, will kill many projects. “It just makes some some high-rises unfeasible thus further restricting supply,” he said.

gmarr@postmedia.com http://twitter.com/dustywallet

from DIYS http://ift.tt/2pKs0tM