#and look i wouldn’t say ‘cheap’ but it’s half what i paid last august

[fingertipsmp3]

In some other news I found a cheap flight to Seattle but I don’t even know if my friend wants me to visit anymore lol

[elsanna-shenanigans]

August Contest Submission #17: A Perfectly Normal Prom Night

Words: ca. 2,500 Setting: mAU Lemon: No CW: None

The whole thing started rather innocuously. It was the middle of summer when Elsa and Anna’s parents had dragged them to an outdoor concert for one of those old timer bands. The girls, having just finished eleventh and tenth grade respectively, were not exactly thrilled about their parents’ choice of music, and so pretty soon they wandered off together, eventually finding some relative peace and quiet in a patch of grass and flowers off at the opposite edge of the wide field from where the concert was taking place, where they talked for a while about the things teenage girls typically talk about.

Anna, who was prone to being consumed by nervous energy, busied her hands by picking the nearby flowers and weaving the stems together. When she’d woven enough of them to form a small flower crown, she interrupted whatever Elsa was saying at that particular moment then leaned forward and placed the crown on Elsa’s head.

“Um, thanks?” Elsa said, with a light blush on her cheeks. She was, as ever, rather self-conscious. “It looks silly doesn’t it?”

But Anna shook her head. “No, actually, it looks really pretty.”

The blush on Elsa’s face only deepened.

Elsa wore the flower crown on the car ride home. She wore it around the house for the rest of the weekend. Come Monday morning, by which time some of the stems had started to wither and unravel, she presented the remains to Anna, who salvaged what she could and wove the remaining bits into Elsa’s braid, her facing beaming with pride.

And so it became a ritual for the sisters: Anna gathering flowers and braiding them into various formations, and then placing them in Elsa’s hair until she blushed. Elsa, presenting herself each day for her floral adornment. It was a curious sort of reversal of their usual big sister/little sister roles, and Anna found she rather enjoyed it. In fact, she enjoyed it rather a lot.

The school year started up with no interruption to their ritual. If anything, it brought them closer. It was not uncommon to find Anna fussing with the placement of the flowers in Elsa’s hair during their shared lunch break. Or on their walk home from school. Or while watching TV together on the couch after dinner. And maybe they started inviting each other to hangouts with their respective friend groups more than they had before. All in all, it was a pretty good year.

They were eating two dollar burgers on a picnic bench at the local park when Elsa casually asked Anna to go to prom with her.

“You don’t have someone you’d prefer to go with?” Anna asked, trying to play it cool but feeling a little bewildered.

“I do, silly. I just asked you,” Elsa said before taking a large bite of her hamburger.

“Okay. Sure.” A casual answer for a casual question.

In truth, the prom talk reminded Anna of a fact that she’d done a rather good job not thinking about for the past year, which was that Elsa was going to be going off to college in the fall. Like the flowers in Elsa’s hair, their lives had become woven closer together in the past nine months, and Anna wasn’t looking forward to Elsa being gone.

And so, rather than wallowing in self-pity, Anna resolved to go all out for this prom thing.

The first item was the dress. Some quick internet searching turned up several options online; she went with a long green dress with floral embellishments on the bodice. It wasn’t egregiously expensive, but it would be shipped from overseas and so she had to cross her fingers that it wouldn’t look horribly cheap in person. Luckily it was long enough that she didn’t really have to splurge on shoes, as they would go mostly unseen.

Second was the ride. It took some horse trading with her father, but she managed to get him to shell out for a limo—don’t you want Elsa’s night to be special, Dad?—even if it meant she’d be the one mowing the lawn all summer.

The third, which came together in the last few days before the dance, was the corsage. She’d had to scour every flower shop across town before she found one that would make a corsage of Elsa’s favorite flower, the crocus.

And then there was the last thing, which was stupid and foolish, and conveniently fully refundable if she chickened out at the last minute. Anna wasn’t fully sure which of the two outcomes she would prefer.

When the day came, Anna even did the little ritual of going around to the front door once she was all dressed up and ringing the doorbell. Her father answered the door and gave her a little wink, then turned to call for Elsa to come downstairs, thankfully before he could spot the light blush rising on her face. When Elsa came around the upstairs hallway and descended the stairs, there was no more hope of Anna hiding the bright crimson blush on her face from anyone.

Elsa’s dress was a gorgeous lavender color and surprisingly a bit short, for a prom dress. The bodice was all floral lace, and below that were several tiers of tulle skirts which came down to just below her knees. Her hair was done up in a fancy braid, and woven into it Anna spotted a few of the flowers she’d left on Elsa’s dresser that morning.

Anna thought she had never seen someone so pretty in her life.

If time had seemed to slow for that first glance of Elsa on the stairs, it definitely sped up after that. Anna presented the corsage and pinned it to Elsa’s dress, earning her a dazzled look when Elsa recognized her favorite flowers. Her father took the requisite ‘prom couple’ photos before the limo showed up to take them to their destination. Anna had to repeat several yes really’s to Elsa’s did you really?’s as their parents ushered them into the waiting vehicle.

At the venue they met up with their friends and generally just had a blast. When the slow songs came on they would find each other and catch up on whatever hijinks the other had missed, or poke fun at their coupled friends being sappy with each other. Anna didn’t even mind when they spent the last ‘dance’ snacking on chocolates at the refreshments table instead of on the dance floor.

After the dance came the after parties. Neither of the girls was much of a wild partier, but it seemed apropos to at least see what all the fuss was about. All in all, they had a good time. At one point Anna actually did sneak a shot of tequila when she was offered, for courage. Or tried to sneak; Elsa had somehow noticed and gave her a very judgy older-sister look which Anna only managed to disarm by fussing somewhat dramatically over the state of the flowers in Elsa’s braid.

The night dragged on. At about one in the morning the two sisters found themselves at an all-night diner with Rapunzel and Eugene, sharing a basket of french fries. They’d lost Kristoff when the group had briefly stopped in front of the local gay bar. When the fries ran out, Eugene and Rapunzel excused themselves; Eugene mentioned that it was time to take his girlfriend home, with a very big wink when he said the word home. Anna just rolled her eyes at him. But hey, that was part of the whole prom night thing too, right?

Anna couldn’t help but notice that Elsa looked a bit down when they left the diner. The limo was long gone at that point, so Anna hailed a cab with the app on her phone. Once they were underway, she broached the topic of what was making Elsa glum in that moment.

“We had an amazing night, right Elsa? I didn’t screw anything up?”

Elsa, who had been gazing out the car window, turned to face Anna, eyes wet around the edges but not crying exactly. “Oh, Anna, of course not. You were perfect, everything was perfect. It’s just that—well, I told myself I didn’t want any… entanglements before going off to college, but seeing Eugene and Punz going off to have some, um, special time together—” Elsa stopped abruptly and composed herself a little. “I just kinda don’t want the night to be over yet.”

“So um, about that,” Anna started to say, just as the driver pulled up to their destination.

Anna got out of the car as Elsa scooched across the back seats and then joined her on the sidewalk, just as the taxi pulled away. The sidewalk which was definitely not the driveway of their house.

“I got us a hotel!” Anna announced excitedly, before she could choke on the words. They were in fact, standing in front of a fairly nice hotel near the edge of downtown.

“You didn’t,” Elsa replied, deadpan, though her eyes were wandering up the side of the glass building to the bright blue sign near the roof many stories up.

“We can still go home if you want, I haven’t actually paid anything yet,” Anna offered, but Elsa’s answer was to head towards the front door and into the lobby.

Anna trailed after her, managed to wrangle Elsa along with her to the check-in desk in order to procure the room key. The process of which was somewhat elaborated by the fact that Anna could barely get her words out, suffering a bit of shock at the part where Elsa hadn’t just called up another taxi to take them home. It was definitely the tequila talking when, in the elevator, she grabbed hold of Elsa’s hand. Elsa shot her an indecipherable look, but didn’t let go.

They were still holding hands when Anna keyed the door lock with her free hand, opened the door slightly, popped her foot in the gap to hold it open, and then promptly spun around to face Elsa.

“Turn around,” Anna ordered, and was surprised when her sister complied.

“Anna,” Elsa whined, and the tone in her voice gave Anna a curious boost in confidence.

“Close your eyes,” Anna half-whispered, as she pulled her hand loose from Elsa’s and then raised both hands up to cover Elsa’s eyes. With a bit of an awkward shuffle, Anna managed to guide them both backwards through the doorway, before turning them both in place so that she could guide Elsa forward into the center of the room. And then, with a deep breath, she dropped her hands and let Elsa see.

It wasn’t just that Anna had gotten them a hotel room. That could have been excused as just a fun place to hang out to cap the night off. Anna, god help her, wanted her message to be clear. Which was why the hotel room had only the one king-size bed, completely covered in white rose petals.

Elsa stepped forward tentatively, ran a hand along the edge of the bed, disturbing some of the flower petals. She glanced at Anna briefly, and then back at the bed and around the room. After a long moment that felt like an eternity to Anna, Elsa turned around, kicked off her heels, and sat on the edge of bed with a look on her face that heavily implied that Anna should start talking.

Here, at the crux of all the plans she had orchestrated for this night, Anna found that she didn’t need really need that tequila courage to say what she needed to say.

“I think I’m in love with you,” she confessed. It was a lot easier to breathe like a normal person now that she’d said the hardest part. “I know it sounds absurd, but that’s the only way I can make sense of the way you make me feel. It was just little things at first, and then I started having thoughts and I wasn’t sure—I’m still not sure sure to be honest. When you asked me to go to prom with you, I thought that maybe, maybe you felt something like I do?” Anna paused, hoping the Elsa might respond, but the expression on the blonde girl’s face remained enigmatic. With a bit of resignation, Anna sat down on the bed next to Elsa. “I got this hotel room so that we could—so that I could tell you how I felt. In private.”

Elsa just looked at her for rather a long time, and Anna felt like she could see the various thoughts she must be having go to and fro in her sister’s head.

“And what did you think we would do in this hotel room,” Elsa inquired eventually, with a curious tone in her voice, “now that you’ve told me, if I felt the same way?”

“W-whatever we’re both, um, comfortable with?” Anna responded hesitantly, taking Elsa’s hand in hers once again. “Which could totally be nothing at all, I mean, if you don’t feel that—”

“Can I kiss you?” Elsa asked immediately, before Anna had finished speaking.

Whoa what?

“Uh, yes?”

How was she so unprepared for the very thing she had been hoping would happen?

She felt a little bit like her spirit had left her body when Elsa quickly lifted her free hand to caress Anna’s cheek, and then leaned in until their lips pressed together. Anna wasn’t exactly an experienced kisser; she’d kissed a few girls (and yes, boys), but mostly in the hesitant, high-school way where neither person knows what they’re doing. And still, this kiss with Elsa felt a little odd. It felt, somehow, like Elsa was asking a question, only… Anna didn’t think she was the one who was supposed to answer it. And just like that, the sense of elation from just moments before dropped out of her chest and curdled in her stomach.

Elsa, perhaps sensing the shift, pulled away. Looked away. But their hands were still clasped, and Anna took that as a sign of something. After a moment, she gave Elsa’s hand a brief squeeze of reassurance. I’m still here, she endeavored to say without saying.

“I don’t think I’m in love with you,” Elsa said, and before Anna could fall to pieces, Elsa finally looked back at her and there was something bright in her blue eyes. “But. Maybe you’ve just figured it out sooner than me? Because I do want to kiss you some more. I wanted to kiss you so bad when you gave me the corsage earlier tonight. Wouldn’t that have caused a scene!”

Elsa laughed then, and the sight of it transmuted all of Anna’s mixed up emotions into her own burst of laughter because yeah, Elsa surprise kissing her in front of their parents would have been a whole damn fiasco and who knows if they would have even been allowed to leave the house in that case? And Anna was really glad they had gotten to spend this time together.

“Is that okay? That I don’t feel, um, quite the same thing as you?” Elsa asked, when Anna had mostly collected herself.

“I think so?” Anna replied, rubbing away the streaks from tears that had escaped during her fit of laughter. “We just have to communicate, right? If something changes, it has to be okay for either of us to say something.”

“Of course,” Elsa confirmed. And then she got a particularly mischievous smile on her pretty face.

“What? Elsa, what!” Anna pressed, when her sister still didn’t say anything.

“Well, I did say I want to kiss you some more, didn’t I?” Elsa scooted back on the bed until she was sitting in the center of it, then trailed her hands through the rose petals that still blanketed the sheets. “Your plan worked. You’ve got me all alone in this romantic hotel room with you. What are you going to do with me?”

Anna never once complained about mowing the lawn that summer.

[floralguccistyles]

four: empty child

I had mixed feelings about it being February first.

Of course I was excited, because I got paid on the first and fifteenth of each month so I was ready to have money again. My refrigerator was getting horrifyingly low and I had run out of tampons. I also liked the first of each month because it meant no matter how shitty January was (and it had been decently shitty), February was a new month.

It was also Harry Styles’ birthday.

Surprisingly, I had already known this before his stardom. Even though he and his group of my tormentors had hardly been on my radar after secondary school had ended, I remembered them always making a big to-do of each others’ birthdays. Oliver and Emma’s birthdays were late August, right around when the school year would start. Emma’s boyfriend had a birthday in March. Nathan’s birthday was November thirteenth.

And Harry Styles’ was February first.

Contrary to popular belief, my world did not revolve around Harry Styles. I simply woke up on the morning of the first, checked my bank account and did a little happy dance when I realized I would be able to afford groceries, and then scrolled on Twitter. I didn’t even correlate the day to his birthday until I saw the hashtag trending. 

I hadn’t given Harry much thought since two weeks ago, when the bouquet of flowers had arrived on my doorstep. I didn’t want to know how he got my address (probably Bailey) and I didn’t want to think about the fact that he was the first guy to have ever gotten me flowers. I didn’t want Harry to be the first boy to have given me flowers. My first experience felt tainted now. I always dreamed that I would press the first flower someone gave to me in the thickest book I could find. With the bouquet from Harry, I didn’t bother. It made me sad that my plan had been spoiled. They had gone in the trash after a week, when they had started to wilt; even though I couldn’t bring myself to press a flower form Harry’s bouquet, it didn’t mean I was going to throw away perfectly good flowers until they were dying. 

Upon realizing it was his birthday, I stopped doing my happy dance and frowned down at my Twitter feed before shutting out of the app. It was highly unlikely I’d be interacting with Harry any time soon (if ever) so I didn’t feel that I had to see his face plastered on all my social media accounts. 

I dressed in some warmer clothes for my biweekly trek to the supermarket. Zach was out of town for the week with some uni friends, so Jeremiah was letting me borrow his car to run my errands. I appreciated the fact that I didn’t have to Uber to the market. There was a Spiceways about eight minutes from my flat, so I drove through the streets of Merton until I pulled up to the store, hopping out of Jeremiah’s car with a little bit of difficulty because it was so high up. 

Unlike some, I didn’t mind grocery shopping. Maybe it was because when I was younger and wanted to get junk food all the time, my mum wouldn’t let me. With the freedom to choose whatever I damn well pleased, grocery shopping wasn’t the horror that most people made it out to be.

I was debating between Jaffa Cakes and Aero bars when my phone rang.

“Hello?” I asked without really looking at the caller ID.

“Hey Petra,” Bailey’s happy voice said from the other side of the line.

Bailey had been diligent about checking in on me since the Peter incident. I appreciated her worry. She’d been texting me a little and asking how my days had been and stuff about the podcast that she easily could have asked Veronica. I liked that she was keeping an eye on me. 

“Hey,” I responded. “Quick question. Jaffa Cakes or Aero bars?”

“Aero all the way.”

“Got it.” I threw the box of Aero bars in my cart. “What’s up?”

“I wanted to invite you to a party tonight. Veronica and I are going and she suggested that we invite you. Jeremiah, too.” I heard rustling on the other side of the line and wondered what she was making.

Bailey made things for Etsy in her free time, when she wasn’t busy being a badass biochemist. I had actually gotten a knitted scarf from her a couple years ago and still had it. She was known for making little things like hair accessories or blankets, but sometimes she dabbled in clothes. Which was why she and Veronica’s flat was covered in fabrics. It was like walking into a craft store. 

“A party? For what?” Decided to screw my health, I threw in the box of jaffa cakes in the cart as well. I wouldn’t eat them all in one sitting, I reasoned with myself. One a day couldn’t be too terrible for my health.

“Some birthday party Jeff invited me to. It’s in Hampstead, so they’ll have the good alcohol. Veronica’s never met Jeff so she wanted us to go.”

Jeff Azoff had helped Harry with his first record. Bailey was friends with Jeff Azoff. Harry’s birthday, coincidentally, happened to be today. “Is it Harry Styles’ birthday party?”

“I didn’t actually ask Jeff, but if it’s his birthday today, then probably.”

I sighed. “Probably not a good idea for Harry Styles and I to be in the same vicinity. Last time I nearly bit his head off. Rightfully so, but…” I trailed off, shaking my head at the memory. And with the memory also came visions of my pretty pink tulips and white baby’s breath. “Thanks for the invite, though.”

“I know you and Harry have got a rocky relationship, but I imagine this party’s going to be huge. Chances are you won’t even see him there. I just want you to be able to get out and have some fun. If you want to leave, I’ll be the first one to pay for an Uber for you.”

I debated it for a moment. It would be nice to get out of the house. I had been holed up between my flat and Outset, working on AC and simultaneously feeling like a fool about my awful date with Peter. I was usually very observant of someone’s character and it had thrown me off that I had gotten Peter so wrong.  And Bailey was right. If the party was in Hampstead, Bailey was correct in assuming there would be good alcohol. No one in Hampstead would dare buy the cheap stuff. It would also be nice to hang out with Jeremiah and Veronica outside of AC.

“I don’t know, Bails. Can I get a couple hours to think about it?”

“Sure, no problem. It starts at seven. I’ll text you later and if you need a ride, Veronica and I can come grab you.”

I appreciated that she wasn’t pushing me to go, like my parents would have been. They would have demanded I show up and try to get to know the “new Harry.” We hung up the call after I promised to text her once I made a decision, and I stared at my shopping cart for a little while longer before I decided that he wasn’t going to consume my thoughts. I had once let him do that, when I was younger and more insecure. It wasn’t going to happen again.

I was usually done shopping in about thirty minutes because I didn’t dawdle around as I filled my basket with shitty food. Something this time, however, had me standing in the middle of the Mexican food isle, my brain still focused on Peter’s words. Though it had been racist of him to say it the way he did, I think it also bothered me because of how wrong he was. I didn’t know what foods from my culture were good because my parents had tried to conform to the English foods. 

My grandmother on my father’s side had come to visit us only once when she had gotten a bonus from her job in Santa Clara. She had scoured the isles of every market in town, trying to find acceptable ingredients for the meal she promised my father. That night, I had arroz con pollo, empanadas, flan, and a cake with dulce de leche poured on top. It had been the best meal of my entire life. 

No one in my family had made anything like that since.

I was holding a box of Spanish rice in my hand, trying to decide if I could make myself arroz con pollo like my grandmother did, when a little girl accidentally bumped into me. She looked to be about five years old, with a cute little gap tooth that I spotted when she smiled hesitantly at me. 

“Lo siento,” she said softly, hugging onto her mother’s leg. Her mother shot me an apologetic glance.

“It’s okay,” I managed, smiling at the little girl. “I like your bow.” I pointed to the glittery silver bow in her hair. It took up half of her head.

She glanced at her mother, her eyebrows furrowing together in confusion. Her mother stammered over a couple of words as she responded to me. “We...speak...no English,” she said, her voice heavily accented. 

I felt the shame flow through me. Shame that I hadn’t ever forced my parents to teach me Spanish. Shame that I couldn’t communicate with this little girl and her mother. Shame that I had gotten so lost in England that I hadn’t picked up Spanish myself.

“No se mucho español,” I said as a way of explaining, hoping the apologetic expression on my face was enough to convey to her that I was truly sorry I couldn’t compliment her little girl’s bow.

The mother just smiled at me and nodded politely before she and the little girl started off in the opposite direction of the isle. The little girl turned around and gave me a big wave, her little gap-toothed grin flashing before she faced in front of her once more. Their lives, just like that, unaffected by someone they ran into that couldn’t speak Spanish.

Meanwhile, I was frozen.

I felt like crying, as stupid as it sounded. But it wasn’t the first time someone had asked me something in Spanish and I hadn’t been able to respond. And even though I knew I shouldn’t, I always felt like a bad person. Like I should be more in-tune with my heritage. Like I wasn’t allowed to call myself Cuban because really, I hadn’t even ever been to Cuba. 

I put the box of rice back on the shelf, and stupidly, it felt like I was putting half of my soul back.

Maybe it would be a good idea to go to Harry’s party. Bailey was probably right about a ton of people being there. He was internationally known. There would have to be at least two hundred people at one of his parties, probably more. If I stayed with Jeremiah and Veronica, he wouldn’t even notice me. And after the emotional turmoil of the supermarket, I was ready for a drink or two. Or three. And even if he did notice me, that didn’t mean I couldn’t ignore him. Just because it was his birthday didn’t mean I had to be nice to him.

He could tell you that you need to get your head out of your ass and be a real person instead of living in fantasy books.

But hopefully, I reasoned, I would be too drunk to care if he did do that.

Which is the only reason why I texted Bailey an hour later, when my groceries were in my fridge and I was in the comfort of my own home.

I’ll be there tonight. But can I bring Melody?

~  

“Okay, but can I throat punch him?”

“You know, I’m gonna assume no.”

“Bummer.”

Melody and I were standing outside of the house in Hampstead. I didn’t know who it belonged to. When I had asked Bailey in the car she had shrugged her shoulders. At least that meant it wasn’t Jeff’s, since I would assume Bailey would know if it was his house.

Bailey, Jeremiah, and Veronica had already made their way inside. Melody and I, however, were still outside staring at the front of the house. It was obnoxiously grandiose. I couldn’t imagine having that much space and having to actually decorate it. We had stumbled out of the car and I found myself unable to go any further. 

“We can leave whenever you want,” Melody reminded me. It was the fourth time she had mentioned this fact. 

“I’m twenty-four. What does it say that I’m still terrified of someone I went to secondary school with?”

“That you’re a normal human being who doesn’t like to be made fun of and that he’s a dick?” Melody offered helpfully. I snorted.

“Reckon we should go in,” I said after a couple of moments. She nodded, patting my shoulder affectionately before we both trekked up the front porch. The door was open because the estate was surrounded by what I assumed were military-grade security cameras and a huge opaque fence. The only people who were getting inside the fence either had the gate code or were rock climbers.

As soon as we stepped inside, my body rattled with the bass of the song playing. I didn’t recognize it, but I probably didn’t listen to the same music Harry Styles did, so I wasn’t surprised. Melody had the extraordinary ability of finding alcohol wherever it was hidden, so it was only about ten seconds before she tugged me in the direction of the kitchen, where there was a wide array of drinks lining the kitchen counter. A kitchen counter, I might add, that was the size of a swimming pool. Melody grabbed a beer and handed it to me. I didn’t hesitate to take a swig.

I didn’t spot my other companions, which was good and bad news. Bad news because I wanted to spend time with them, good news because if finding them was hard, then certainly finding the birthday boy was going to be impossible. “I want to take a look around this house,” Melody mentioned to me after she had grabbed herself a drink. 

Fine with getting away from the crowd, I let her pull me into the left hallway. There were only two doors, and one of them was open. It was a bathroom, but it wasn’t a normal bathroom. It was probably the size of my bedroom and front room combined. There was a giant clawfoot tub and shower across from a marble countertop with black sink basins. Melody’s jaw dropped open as we stepped inside. 

“Fuck this is nice,” she commented, twirling around to take in the bathroom in its entirety. “Can you imagine owning a tub like that? I’d never leave.”

I agreed. I was a sucker for a good clawfoot tub. This one looked like it could easily fit four people. “I could live in that tub.”

“Wonder what this room is,” she said, casually walking out of the bathroom and opening up the other door. I was about to scold her for being rude, but most of the party guests were outside in the yard and barely took notice of us. 

This looked like a guest room of some kind. The walls were painted a dark navy blue and the room was accented with dark walnut and white colored woods, making the contrast sharp. The bed was king sized, decorated with other little navy pillowcases and navy sheets. There was a black and white blanket at the end of the bed that looked like it would be scratchy. I figured it was just there for decoration. There weren’t many pictures on the walls, but there was one of a giant black and white elephant next to a telly that was plastered to the wall.

“Holy shit. I could just stay in here and no one would know.” Then, in an action that absolutely horrified me, she jumped onto the bed, wiggling around in the sheets. “Oh Christ, you’ve got to get a load of this bed, Petra.”

“No,” I hissed out, crossing my arms over my chest. “Melody, this isn’t our house.”

“I guarantee whoever lives here doesn’t give a right fuck.”

“You aren’t wrong, I suppose.”

The new voice had me jumping in my skin. Melody didn’t even both to sit up, just waving away whoever the voice was, but I turned to see whose bedroom we were snooping in. The face that greeted me wasn’t one I expected to see. Obviously, she didn’t expect to see me either, since her amused expression dropped from her face and she glanced at me with wide eyes.

“Petra? Petra Gallego?” Gemma Styles asked with a slowly-forming smile on her face. “Holy shit.” And then her arms were around me, pulling me into a friendly hug. 

Unlike Harry, I had never had a problem with Gemma. Knowing that she was one of the kindest people I’d ever met, I knew it wasn’t likely she knew how her brother treated me. She always said hi to me when she saw me around Holmes Chapel and even offered to curl my hair for prom for year ten. I didn’t end up going until year eleven because of Harry and his friends, but I appreciated the offer. Since she was a little older than me, we never really kept in touch, but I kept up with her sometimes. 

“Oh good,” Melody mentioned from the bed. “You know the person who sleeps in this room. Meaning I can sleep here.”

Gemma pulled away from me. “Isn’t it magnificent? I’m glad he splurged on that mattress. Means I don’t sleep like shit when I come visit.”

“Wait, what? Is this… is this Harry’s house?” I asked. Gemma had already floated over to her bed and flopped down next to Melody like the two of them were best friends. 

“You didn’t know that? But you’re here.”

“I knew it was his party, I didn’t know it was his house.” And now I felt like an idiot. I was standing inside Harry Styles’ home. “Fuck, I’ve got to go.”

“Why?” Gemma asked, sitting up. “I’m not mad you’re in here.”

“No, I mean I have to leave the house.” I didn’t want to be in Harry’s house. I didn’t know why it made a difference whose house it was, but I knew it did. My skin was crawling. I had knowingly walked into the lion’s den. “Melody, we’ve got to leave.”

“Alright, but you’re going to have to peel me up.”

Gemma stood up easily enough and frowned at me. “Is Harry being a dick to you again? I’ll punch him in the nose, I swear.” At the expression on my face, her frown deepened. “He’s changed, Petra. I promise. If I thought for a second Harry was still acting like a shitty teenage boy, I’d drive you home myself. I’d just hate for you to feel like you have to leave.”

I appreciated her loyalty to her brother, I really did. But I didn’t want to be in here and I didn’t want to be around Gemma anymore, not when she would so blindly advocate for him. I was happy she’d punched him in the nose when she found out how he treated me when we were kids, but that didn’t mean she was going to support me telling her brother to go fuck himself. She loved him too much. I saw the way they were when we were younger, like they were two sides of the same coin. 

“She’s right, you know.”

“Oh Jesus fuck, of course you’re here,” Melody mentioned, still lying on the bed in Harry Styles’ guest room. Unlike Gemma, this voice wasn’t a surprise.

Harry gave me a hesitant smile. “I’ll leave you alone if that’s what you want, but you should stay and enjoy the party. I’ll make myself scarce.”

“You shouldn’t have to in your own house,” I said regrettably, clenching my teeth so I wouldn’t add a “fucker” to my sentiments. “If I had known it was your place, I wouldn’t have come.”

He looked defeated, but also like he knew he deserved my harsh words. I felt a spike of pleasure at his sad expression. I knew it was vindictive and mean, but I didn’t care.

“Yeah, cause you’re a raging twat.”

I snickered at Melody’s deadpan tone and the surprised look on Harry’s face when he realized the other person in the room wasn’t someone he knew. Melody pulled herself up from the bed and lazily stood, giving Harry a once over and looking entirely unimpressed. 

“You must be Melody.”

“Damn straight I’m Melody,” she huffed, flipping her hair over her shoulder. “And you’re an arsehole.”

Gemma raised a brow but didn’t say much else. 

“I know,” Harry replied, and I was surprised by his admittance. Then, without thinking about it, he stepped aside and gestured out into the hall. “You want a tour of the rest of the house? I’ve got a Super Caeser in my room.”

Melody’s mouth dropped open. “Holy shit. Those are the beds that fit four people right?” At Harry’s nod, she grinned. “Lead the way, twat.”

It was my mouth’s turn to drop open. “Melody,” I hissed underneath my breath. Where was the solidarity? Where was the earlier promise that she’d leave with me if I decided I wanted to go home? 

“I know, I know,” she whispered to me as Harry left the room and started down the hallway. “But I’ve never seen a Super Caeser mattress before and I really want to.” She cast a glance at Gemma, who was still standing in the room. “You like her right? Stay with her. I’ll be right back.” And then she was out the door, leaving me glaring at her.

“I’ve caught Alien Crossing a couple of times,” Gemma said as a way to make conversation. I noticed that we were moving out of the guest room. Now that I knew Gemma was the one using it, I felt worse for snooping. “It’s fucking brilliant, Petra. Good for you making something so unique and fun.”

“Oh. Thanks.” I didn’t know what else to say. I wasn’t used to members of the Styles family praising me for what I did.

We were walking aimlessly in the same direction Harry and Melody had left in. I slowed my steps, but I felt rude if I didn’t follow Gemma and let our conversation randomly end. “The episode with Harry seemed to go well. When he called me and told me he was going to be on, I nearly had an aneurysm. I was sure you wouldn’t want him within five feet of you.”

“I didn’t. I asked him to be on because the guest we had lined up had a family emergency.”

Gemma suddenly stopped in her tracks. We were in the hallway to the right side of the front door now, where I could see three more doors that probably contained bathrooms and bedrooms bigger than my entire flat. “I never tried to get in touch to apologize, Petra.”

“Apologize?” I blinked in surprise. “Apologize for what?”

“For Harry being a prick,” she said softly, shrugging her shoulders and crossing her arms in front of her chest. “I know he’s not my responsibility, but… I just really wish he hadn’t been so nasty to you. It was really out of character for him. I’d like to say with confidence that he was just doing it to go along with his friends, but I don’t know. I’ve felt guilty about it ever since he told me.”

“Gemma, you’re right. He’s not your responsibility. He knew what he was doing and he chose to do it anyway. I’m not mad at you.”

“But you’re mad at him. And it sucks because he totally deserves it.”

He did. He deserved my anger, my wrath, my disdain. He deserved for me to tell him to stay the fuck out of my life and never contact me again. I should have told him that. But there was something about seeing Gemma’s defeated expression that had me keeping my comments to myself. 

So instead, I shrugged. “It is what it is, Gemma.”

And that, unfortunately, was the truth. It was too late for her apologies, and she wasn’t the one that was supposed to be giving them. Melody suddenly appeared as Gemma and I stood in the hallway, looking nothing short of enchanted. She all but floated to my side, a wistful expression on her face.

“I want one,” she said after a few moments. I snorted. Harry emerged from the room looking like he wanted to laugh and frown at the same time. It was a weird dichotomy. “But the fog of a Super Caesar mattress has cleared from my head, so I will happily leave with you if you’d like to leave.”

Though I had no patience for Harry, I did have patience for Gemma. And one look at her guilty face, though she had nothing to be guilty for, had me hesitating. “I’ll...stay for a bit,” I said quietly. Melody looked surprised, but nodded her head. Harry looked like someone had just told him the best news ever. It looked entirely too happy and fake to be an expression on the face of Harry Styles, but I wasn’t focused much on him. I was focused on his sister, who gave me a hopeful smile before she glared at her brother.

“Great! Melody and I will go get you another beer. Harry can give you a tour of the house.”

I didn’t have time to open my mouth and argue before Gemma was grabbing Melody’s arm in a vice like grip and pulling her in the direction of the kitchen. That left Harry and I alone, standing in his hallway. I crossed my arms over my chest. He put his hands in his pockets. 

It was all very, very awkward.

“I’m not gonna say happy birthday,” I suddenly burst out. I think I surprised him because he jumped a little.

“That’s okay,” he agreed softly. Another few moments of awkward silence. “Well, do you want the tour? It’s okay if you don’t.”

I didn’t really care much about Harry Styles’ house, but I had a feeling if I went to go find Gemma and Melody, Gemma would just find a way to bring me back to right where I was standing. “Whatever. Just start walking.”

He did as I said, turning on his heels and opening up the first door. It was another guest room, but it didn’t look like anyone stayed in it much. There was a desk and a computer in there as well, so I figured he used it for an office. “This is one of the guest rooms,” he said hesitantly, like he wasn‘t entirely sure I wouldn’t just turn around and leave him in the middle of speaking. “Gemma doesn’t like staying in here because she thinks the government is watching her from the webcam of the computer.”

I raised a brow. “Doesn’t she have an iPhone?”

He grinned. “Yep.”

I wanted to ask him to stop smiling because when he smiled I wanted to punch him, but I figured that would be weird, even for me. So instead, I hummed out a response before I turned and walked towards the door directly across from the office. It was another bathroom, this one without a claw-foot tub. I automatically liked it less because of that fact. But it was decorated nicely, in soft nudes and tans. Overall, it was very impersonal.

“Your place is a two story,” I mentioned offhandedly just as he was about to open the door to his room.

He furrowed his brows. “Yeah. Why?”

“Why’re you on the first floor then?”

He smiled. “I specifically renovated it a couple years ago so it’s a big open space up there. I’ve got a telly and some instruments. I record ideas for songs there.”

I didn’t know if he expected me to be impressed, but I just nodded my head, going along with what he was saying. He pushed open the door to his room walked in, gesturing to the giant mattress that even I could admit was impressive. There were guitars lining the walls. It would have looked tacky if I had tried to do the same thing in my flat, but it fit this room somehow. There was a giant flat screen against the wall closest to the door, on a stand that was filled to the brim with DVD cases. I didn’t think anyone even watched DVDs anymore. 

Harry walked around the room, pointing out the master bath and the record player he had in the furthest corner, along with stacks and rows of vinyls. His voice trailed off when he turned and realized I hadn’t followed him into the room. “You okay?” he asked quietly.

I wasn’t. Because he looked so comfortable in his room, his safe space that he obviously put love and time into. “This room,” I said, pausing to try and find the right words, “you look comfortable in it.”

“Yeah. It’s my safe space.”

I nodded. “That’s what Alien Crossing is to me.”

“I know.”

“No.” I shook my head, closing my eyes to try and fight back the headache growing. “No, you don’t know. Because I’ve never told you. I never told you because when I was fifteen, you told me I had to get my head out of my ass and live in the real world, instead of my little fantasy world.” He at least had the decency to look ashamed. “But you know what, I don’t even care about that. You sent me flowers because Bailey told you what Peter did. But Harry… what your friends said to me was much, much worse. And you didn’t do shit to stop it.”

“I know. I’m so sorry, Petra.”

“I don’t want a fucking apology!” I screamed, suddenly infuriated. I didn’t want to hear him say that he was sorry. It was too late. “I don’t care if that makes me stubborn or selfish or stuck in the past. I hated myself, hated the things I loved, because you and your friends made me feel like shit. Made me feel like less than a person. And then I put myself on the line, asking you to be on my podcast, and it was just a huge mistake because I’m tired of feeling less than. You make me feel less than, Harry. I can���t accept your apology, Harry. Not right now. Not when I still have to see a fucking therapist because Nathan told me to go back to where I came from even though I was born in fucking Cheshire like the rest of you.”

It was silent. If I breathed in the wrong way, he would hear it. But I was just so tired. I sighed and slumped against his door, leaning my body on it as though it would support me for the rest of my life. He stood on the other side of the room, feeling both like he was an ocean away and much, much too close.

“I won’t try and apologize again, because I know that’s not what you want to hear. I know I was awful, Petra. I feel like shit about it. And I’m not saying that to make you feel bad for me or make it all about myself, but because I want you to know that the asshole from Holmes Chapel doesn’t exist anymore. I know it’s going to be hard to get him out of your head, but he’s gone.”

“It doesn’t change what he did,” I replied, pinching the bridge of my nose. 

The two of us stood there for who knew how long. It could have been seconds, minutes, hours. He was letting me process and I appreciated that. Deep, deep in my mind, I knew my anger at him was overwhelming. He’d apologized three times now, each one sounding more and more sincere than the last. It didn’t mean I was ready to forgive him by any means, but I could at least acknowledge that he was trying.

“Did Gemma really punch you in the nose when she found out?” I asked after a few moments.

He nodded. “Had to cover it up with a shit ton of makeup because that was around the time we were touring with Big Time Rush.”

I let out a snort, shaking my head at the image of Harry sitting in a makeup chair while they smeared concealer over his nose. Then, I sighed. “Christ, Harry. I’m twenty-four and I don’t have the time or energy to be holding onto this feeling. But you’ve got to keep in mind that it’s going to take a while. I might never forgive you fully.”

“I completely understand.”

Pushing myself up from the door because I figured that was the end of the conversation, I steadied myself and went to walk out to the kitchen. I figured it had been an appropriate enough amount of time spent with Harry; confident that Gemma wouldn’t send me back, I started on my way. 

I don’t know what made me turn around to catch the expression on his face, to check and see if it was just a facade that fell away when I turned my back, but I did.

He looked genuinely remorseful. I hated it. Because I knew that if I stuck around long enough, I would start to fall for it and I wasn’t ready to do that quite yet. Which was why I was going to grab another beer for the road and order myself an Uber. Everyone would understand. Melody might even go with me, if Gemma wasn’t still holding her captive. 

“I liked the flowers.” My voice was almost silent, but of course he heard it.

“Yeah?”

I didn’t answer him, just left him standing in his room in search of Melody and more alcohol. 

~

“It’s one hundred percent considered literature. I agree with you.”

I was nodding my head at my own words as I smiled at Daisy Callahan. She was sitting across from me, also decked out in her pajamas which made me love her even more. Currently, we were discussing whether or not fanfiction should be considered literature, though it wasn’t much of an argument since we both agreed it did.

“I mean, look at how many fanfictions have been turned into huge adaptions. There’s Fifty Shades, which was originally Twilight fanfiction—”

Jeremiah cut Daisy off from his place in the soundbooth. “Are we really going to consider Fifty Shades a piece of literature though?”

“Actually,” Daisy started, turning to Jeremiah and giving him a smirk, “I wrote my thesis on a work that was considered fanfiction. Jean Rhys wrote her novel Wide Sargasso Sea in response to Jane Eyre, but from the perspective of Bertha, Rochester’s crazy first wife. I wrote about the racial difference between Rhys and Brontë and how that inspired the book. Got a nice master’s degree out of it.” Daisy shrugged happily when Jeremiah conceded, raising his hands as if to say fine, you win.

It was nice to be getting back into the swing of things. Harry’s party a few days ago had shaken me up. I hadn’t been expecting to run into one of the Styles siblings, let alone both of them. In all honesty, leaving when I had was probably the best decision I’d ever made in my life. If I had stayed, I would have downed every last beer bottle I could find and then did something regrettable, like actually forgive Harry Styles for all the shit he had put me through. Though I told Harry I was tired of being angry at him, it didn’t mean all that hatred just went away.

“There’s also the huge After phenomenon,” Daisy supplied as another example. I wanted to groan. Think of the devil and the devil shall appear. “Petra, do you still keep in touch with Harry? Do you know how he feels about the whole fanfiction thing?”

I blinked. “I, er, I’m not sure. I don’t really ask him about it.” I didn’t really talk to him at all, so it wasn’t surprising. “He doesn’t really seem like the type to mind it, I guess.”

“That’s exactly my point! Most celebrities feel flattered that audiences love them so much that they want to sit down and create a whole world for them...” 

Daisy was off on her tangent again, and I knew I could sit back and relax. She’d been on the show before, which was why she was so confident and comfortable sitting in her pajamas. I also knew she talked a lot. Which was perfectly fine with me because my mind was still on how stupid I had been at the party. I shouldn’t have even stepped through the doors, and I should have left the second I found out it was his place. 

Harry hadn’t tried to contact me since the party. Since it was only the week before, I hadn’t expected him to. But I was happy he seemed to be taking my words seriously. It would take time for me to stand being around him. Someone who had gotten in contact with me, however, was Gemma. She’d found me on Instagram and followed me. We’d been chatting back and forth about random and trivial things, never really bringing up her brother or the damage he’d done to me. Instead, she asked how work was going and if Veronica and Bailey were going to get engaged soon. 

Daisy and I finished up our conversation and Jeremiah cut the sound. We both stood, our joints popping and creaking from sitting down in one position for so long. “That was fun, Petra.”

“Always nice having you back, Daisy.”

Jeremiah and Veronica were chatting in the booth, yet to open up the door. Which was why Daisy leaned over to me and whispered, “Hey, can I ask you a question?” Without waiting for me to respond, she continued. “Is Jeremiah seeing anyone?”

I blinked at her, surprised by what she was asking me. In the years I’d known Jeremiah, he’d only had one serious girlfriend. They lasted six months, but Jeremiah was gutted when she broke up with him. He had been telling me that he thought she was the one he was going to marry. That had been nearly two years ago. “Not that I know of. Why, you thinking about going for it?”

Daisy was a pretty girl. She had short hair cut to her shoulders, in a dark brown that nearly looked black. Right now she was wearing pajamas, but I’d seen her enough to know she was about my size, despite the fact that she towered over me by at least six inches. She’d always been kind to me. Given my track record with people, this was a big factor. “I dunno. We always have nice chats when I’m here. And he always walks me to my car. He’s sweet.” We both looked back at the booth, where Jeremiah was sitting. He was clicking away at something on the computer, looking like he was arguing with Veronica. “And damn, Petra, he’s fit as hell.”

A laugh escaped my throat, unbidden, and Daisy giggled along with me. I’d never considered Jeremiah fit, but I supposed subjectively, he was. I had always just known him as my friend Jeremiah, so there was never any attraction between us. “I think if you want to, you should go for it.” It would be nice to see Jeremiah get out of his shell a bit.

“Yeah?” When I nodded, she let out a breath. “Oh good. I thought there might have been something going on between you two.”

Wrinkling my nose in distaste, I shook my head. “He’s like an annoying older brother.”

Daisy laughed. “Well, I think I’m gonna ask for his number then. Maybe when he walks me out.”

Veronica left with a smile and a promise to see me later. Jeremiah, true to Daisy’s word, offered to walk her out to her car before Zach got here to pick him up. Which left me alone in Outset, sitting in the sound booth and getting a pad and paper. I would start listening to see if it all sounded good and jot down anything if I heard it.

My phone lit up with an Instagram message notification. I assumed it was Gemma, continuing on our conversation about Veronica and Bailey, so I picked it up absentmindedly and slid my finger across the notification to open it. When I looked down, however, I realized it was from a completely different Styles sibling.

I wanted to follow you on Instagram, but I figured I’d better ask you first. 

I was trying really hard not to be mad at him, because I hadn’t lied when I said I was exhausted of it. But it was shit like this, him thinking that things were okay between us just because of one drunken lapse in judgement on my part by letting me know I liked the flowers, that made me mad. 

Do whatever you want, Harry. I don’t care.

But I did care. I didn’t want him seeing my personal life. There were pictures of me at Comic-Con, pictures of me holding up a new book with the biggest grin on my face, and a video of me dancing around in an alien costume for my twenty-third birthday. Giving him access to that, to see me at my most vulnerable, was a mistake. When I glanced back down to my phone, I saw that he had read my message. 

I waited for the notification that he followed me, but it never came.

[paulieshore]

HE? Who’s He?

Characters: MC, Lucien, Victor, Gavin, Kiro.

Word count: 1, 328

Warnings: None.

Loveland Charity Event

Part one: “HE??”

There you were standing; glowing in your beautiful lavender evening gown you had chosen for this event, the dress wasn’t cheap either you had paid a pretty price for such a thing the store clerk recommended. It was an open back dress with lace sleeves, something you yourself wouldn’t necessarily have chosen but you had to admit you felt like a princess in it. To add to your look the hairdresser allowed your hair to rest gently to the side just over your left shoulder; pinned with a silver hair comb of crystal rhinestone pearl flower, setting aside your long curls. This exposed the right side of your face and neck, you added simple dangly diamond earrings to close the open space of your side. That evening you had chosen simple make up, light cover up and contour of the cheeks and mainly eye makeup… and truly did you ever look like royalty. Perhaps that’s why you’re here… stuck between a cross roads… that being Lucien, Victor, Gavin and Kiro… Each standing there glaring at one another… No one spoke a word but if looks could kill….. This charitable event would be a warzone. Four gorgeous horseman standing there waiting to sweep the princess off her feet and off into the night.

How’d this come to be? What are you going to do, or say for the matter? Let’s go back to last week…..

Mid-august, you were sitting at your desk reading over the report for the 14th time contemplating whether it was good enough to submit to Victor tomorrow morning. You’d worked tediously the past couple nights writing this report for a proposal on a new show, something to really boost the ratings (and your confidence as a producer).  You didn’t know why, but you couldn’t help but feel as though something was missing… Sighing heavily and rubbing the dark circles that were your eyes wondering if this was living up to all the expectations people had for you, just then Anna tapped you on the shoulder.

“Anna you can’t just sneak up on people!”  You explained startled.  Anna laughs,” it’s not my fault you’re zoned out staring off in space with such an expression on your face. To my defence, I did try to text you and couldn’t find you during clock off so here I am.”

Pulling your phone out to check and indeed, several missed texts and calls… Lord is I really that out of it today…  “Anyways, here look at this!” Anna pulls up an email on her phone to show. An invite to the Charity event happening next week here in Loveland, which was held once every 3 years to help the third world countries during horrendous tragedies. Usually such events were exclusive and only upper class citizens/business partners were invited however this event was inviting not just them but middle class citizens and businesses.  You’d checked the emails and indeed you too had received this and to your surprise you had caught a glimpse of the same email being forwarded from none other but…. Lucien!?!?!

“I’ve got the email but looks like Lucien also forwarded to me...” You trail off as you open the email and read aloud what was typed. “MC, our department has been cordially invited to the charity event and I’m here wondering if you do not have a date why not go together?  Call me when you’ve got a mome-…”

Anna burst out, “look at you! This email was only just sent out an hour ago and you’ve already gotten yourself a date! Well done!” Giving you a slight shoulder nudge not noticing how ruby red your face had gotten while Anna spoke boldly. You thought to yourself ‘I have no time for this I have so much work still to do’… Just then your phone begins to ring in hand.

Lucien…. What timing... Answering the call, “hey I was just about to call you” hoping your voice didn’t match the embarrassment of your red face. There was a slight chuckle on the other end then heard, “Why hello; I guess great minds think alike, did you get my email?”

Anna winks and mouths *I’m going on ahead* before turning and leaving you to talk. “Yes, I literally just read it when you called…” Your voice which you thought sounded quite normal…was not. “Well what do you think? Wouldn’t you agree? It would be much more fun to go with someone familiar; I heard it’s going to be the grandest event they’ve ever held?” ‘Really?’ You thought to yourself before noticing you had already answered his question with a simple. ”Sure, sounds like fun!” Eyes widen in disbelief you really must be out of it today… “Okay I’ll call you tomorrow to discuss the details” and then he just hung up. No goodbye; he was a mystery to you, one you never really quite could figure out… Today has been a day indeed, you reside as you pack your things to go home.

NEXT DAY at LFG (6 days till the event)

You make your way to Victor’s office for your report hand in, greeting Goldman at the door, “Victor in?” He looks at you and quickly replies, “Yup! In you go” opening and then closing the door after ushering you in… How strange.  You look over and see the CEO staring intensely at a file … He looked upset; something you didn’t quite see often from the calm and sarcastic boss of yours, yikes! Sheepishly you announce yourself, “umm good morning sir here with the proposal report” your voice seems to break his concentration, with a raised eyebrow and even bigger frown he says, “Sir?”

You’d called him sir previously when you were to run into each other or at interviews. Matter of professionalism but Victor never really liked it... Not from you anyways. “Sorry sir- I – I mean Victor, we had an appointment?” slowly raising the file to half block your eye sight. He replies, “Just give me a moment I’m nearly done” before returning to the file he had in his hand. You take a seat on the chair just a couple feet from where you were standing, and bling bling your phone begins to go off! OH NO, you hurriedly go to silence the phone not to disturb Victor and you accidently answer the call!! AHH with no choice left now but to talk in almost a whisper, “hello?”  “MC, it’s me. I’ll be off in an hour why don’t we meet at the Café near your studio and discuss next week’s arrangements?” Lucien’s’ voice seemed to have filled the silent room. “Uh sure I’m busy at the moment but I’ll be there.” Ending the call, praying Victor wasn’t angry. Slowly raising your eyes after putting your phone away you noticed Victor didn’t seem all that bothered, Phew!! Until, “next time turn your phone off before coming in here… idiot.” He places the file down meeting your eyes and waving you forward. You stride over as casually as possible and hand over the report… Victor grabs it and immediately starts looking it over, “Looks alright few minor adjustments needed, will you be attending the charity event next week?”  You’re puzzled as you knew there was going to be something in the report he’d pick out… wait what? Whys he asking about the event? “Uh yea I think so.” You ask with a slight look of confusion on your face. “Right, I’ll pick you up at 6 then.” He adds dismissing you to leave. You stand your ground staring at him dumb-founded before adding, “I’m sorry but I’ll be attending with a friend of mine, he had asked me yesterday and I’ve committed.”

‘He? Who’s He?’ Victor looked at you void of any emotion on his face but in his mind was like fireworks of sadness, anger and… jealousy?? All revolved around one word…. HE!

 To be continued

Feel free to share and follow *please reblog*

[jungkookiebus]

Birthday Present (m)

I just loved this performance therefore I like the gif :D

Genre: smut

Pairing: Reader x nonIdol!Jimin x nonIdol!Jungkook

Warnings: 18+, sexual content, oral (f & m receiving), double penetration, just a lot of sex really

Word count: 7.6k+

Happy birthday, @1luvpjm ;)

Jungkook was slow. He was testing the waters. He brought his lips down slowly to yours and you had forgotten how soft they were. After all these years, memories of him in that dark hallway came flooding back to you. You moaned into his kiss and he took the opportunity to grab your waist and pull you into him as he deepened the kiss. The only feeling you knew was Jimin; he was long, autumn evenings, sweaters too big for your arms, and snuggles under blankets while the snow fell outside. Jungkook was different; he was blazing summer days that burned into the night, sweat on your skin as you laid out in the August sun, and the rays of a sunset over sand.

“I hate this,” you murmur in a pout.

“Come on, babe, it’s just dinner.”

“With my parents,” you seethe.

It’s your birthday and this year your family was insistent that you had dinner at the fanciest restaurant they could get a VIP room for in your town. Last year you had forgone any celebrating with them to spend a weekend getaway with Jimin and if someone wanted to know if you regretted it, then they would have to get out their microscope; that is how much you actually did not care. Your family was conservative and notorious for conducting an inquisition each time you stepped foot into the house. That is why the moment you turned 18 you turned tail and ran as fast as you could in the opposite direction; to the other side of the country in fact. Two years later you met Jimin and after a year and a half of dating you moved in together. When your mother found out you swore you saw the mushroom cloud halfway across the country as her head exploded. Once they got it through their heads that you were staying together, their moods became an ambivalent lull. No amount of threatening worked because, after all, everything you had you paid for on your own. To have any financial ties to them would have proven disastrous so you worked your ass off since you moved out to make sure that never happened.

“It’ll be okay,” Jimin said as he gave your hand a gentle squeeze.

“It will not, and you know it.”

“Look, you already know they’re going to question you, and probably me, but we’re prepared for it. It’s not like we’re going in blind, right?”

“I can deal with what they’ll throw at me, what I don’t want them doing is questioning you.”

“I can handle myself. I’ve done it before.” He cast a gentle smile at you as he continued to drive.

He was right. He had handled every question that your parents had ever given him with poise and grace. He’s currently in his residency at your local hospital with the hopes of becoming an ER doctor, so at least your parents weren’t giving him shit about that. It was the fact that Jimin grew up very poor that gave your parents a sense of entitlement. You had always hated that about them. You grew up rich, got everything you ever wanted, but the affection you ever received from your parents came in the form of money and privilege. So, when you met Jimin and felt actual, true love for the first time it almost sent you running, but his firm grip on your heart and your waist kept you in place. Four years later and you wouldn’t change anything about your relationship.

“I hope you’re right,” you mumble again.

“Stop pouting you’ll get wrinkles,” he laughed. You swatted him playfully on the shoulder. He managed to deflect your hand as you tried again, and he firmly grasped your wrist before moving to entwine your hands. “Besides, I have a surprise for you later.”

“Oh?”

He hummed lightly. “I hope you like it.”

“I’ll like anything you have for me.”

“Maybe.”

You were about to ask when his phone ringing interrupted your conversation.

“Ah,” he said as he looked at his phone. He swiped the screen and answered. “Hey, Jungkook.”

You watched his face to see if you could deduce what the conversation was about, but Jimin remained impassive as he muttered a few “mhms” and “yeps” here and there without saying a full sentence.

“What was that about?” you asked as he hung up. Jungkook has been friends with Jimin since early college. You had met Jungkook first at a bar that ended with you making out with him in a seedy hallway leading to the bathrooms. He introduced you to Jimin shortly after your steamy make-out session and the rest was history. Jungkook had never felt any ill will towards you once you started dating Jimin, thankfully, and you both became good friends instead. You knew deep down inside if you had not met Jimin you would have ended up dating Jungkook.

“He just needed to tell me something about work,” he said while putting his phone back into the console. Jungkook was currently working in orthopedics at the hospital but knew about the current drama happening in the ER. “Taehyung was fucking around again and got some files mixed up.”

Seemed likely enough. Your mind settled back on to the thousands of possible questions that your parents might ask you tonight.

“Quit thinking so hard,” Jimin said. He broke you from your reverie and you hadn’t realized that you had settled into a daze. “You also quit breathing.” He said it almost as if he were reading your mind.

You let out a long exhale and smiled. “It’s fine, everything is going to be fine.”

A few minutes later and you were pulling up outside of the restaurant. An attendee was already waiting curbside to take the keys and park the car.

“Good evening,” he smiled pleasantly. “Just take this tag with you and when you exit the restaurant give it to Ian over there at the podium; we’ll have your car pulled up right away.”

Jimin gave him a smile before sliding the tag into his pocket and taking your hand in his. You both started to walk to the doors, and you looked up to look at his profile. His jaw was set, and his eyes were bright, and you felt a sense of relief when you looked at him. When you were with him, anything was possible, and you could defeat the biggest demons in your life. At that moment he looked down at you and grinned the most breathtaking grin that didn’t quite make his eyes disappear so you could see them sparkle as he looked at you.

“I love you. We’re going to be okay,” he assured you as he pressed a quick kiss to your forehead before opening the door for you.

A quick mention of your family’s name and the hostess was escorting you to the back of the already extremely ornate restaurant to an even more ornate private room in the back. You groaned inwardly as you saw not only your parents, but your grandparents and siblings as well. This was an unpleasant surprise. Your parents got the stick up their ass from your grandparents and, well, your siblings weren’t any better. Both had married into rich families themselves and held extremely profitable stock market jobs.

Jimin bowed low at the waist as you both entered. Your mother immediately stood up from her chair.

“Oh, _____, you look so beautiful!” she beamed, but behind her smile you saw the truth. Your dress didn’t come from the best boutique in town, nor was your hair done at a salon before you came. She was judging every bit of you in those few seconds. “And Jimin! You look as handsome as always!”

You watched as she took in his suit, which was not cheap, and pushed back black hair. He had at least run a brush through it before he left, but it definitely was not styled. You stared at the side of her face and almost dared her to say something. Pleasantries were exchanged amongst all of you and before you knew it you were seated in between Jimin and your youngest brother. To give your youngest brother some benefit, he also thought your parents were full of shit, but he 100% inherited their entitlement. You looked over at him as he gave you a tight smile as if saying, I don’t want to be here as much as you do.

“So, _______, what have you been up to as of late? How are your studies going? Still in English?”

And so it began. Your parents were furious when they found out you were majoring in Early Modern Literature. You had graduated with your Masters, and were currently working on your Doctorate, but that meant nothing to them; nothing good could come from being a Doctor of English.

“Yes, I’m currently writing my theses on the aesthetics of sin,” you said with confidence.

Jimin gave your knee an encouraging squeeze as your mom nearly spit her wine back into her glass.

She cleared her throat as she dabbed at her nearly perfect face. You saw through that mask of makeup and the way she was inside marred any beauty she once had.

“That’s lovely, dear,” she said with as much enthusiasm as an undertaker.

“What are you planning to do with it?” your grandfather piped in.

“I’ll teach on the University level, of course. If I stay there long enough, I can get tenured on to that staff and hopefully move on to full professorship.”

He huffed as if it were all a load of bull. You seethed on the inside and sensing it, Jimin gave your leg a squeeze before speaking. “She’s been working extremely hard on it. I’m proud of her.”

Your oldest brother rolled his eyes and you had to resist the urge not to launch yourself across the table and punch him in his face.

“How is your residency?” your father asked Jimin.

“It’s going well, sir. In a few months I’ll be finished up and I will begin my fellowship.”

“ER medicine if I remember correctly?”

“Correct, sir.”

Jimin was all politeness and formality when it came to your family. He didn’t want to give you any more reason for grief other than what your family would say.

“I’m sure you’ll find a good job here in Busan. They have many prestigious hospitals in the area.”

“That’s the plan, sir.”

“What do you think of ______ being a professor?” your older brother asked. You and your youngest brother visibly tensed at the question. If Jimin were uncomfortable he showed no signs.

“I think it’s wonderful. She’s pursuing her passion and doing it well.” He paused to smile down at you and give your hand a gentle squeeze. “I would never ask her to be any different.”

That’s when your mother asked the question that sent varying feelings flying under the door and out into the restaurant.

“Isn’t it a shame though? That she didn’t use her talents and knowledge on anything better?”

Your mouth gaped open so far that you were sure some of the bread you had just bitten into fell out. Your brother next to you breathed out fast in exasperation as if saying, Here we go. Your dad’s facial expression was placid as if saying he thought the same thing but wasn’t going to bring it up until after dessert.

“Mom…,” you said lowly. You were about to placate her, defend yourself, anything to have this dinner go as smooth as possible so you could run out at the end.

You felt the anger roiling off Jimin. His hand grew heated in yours and his jaw clenched imperceptibly as your gazed slowly dragged to his face.

“With all due respect, ma’am,” he emphasized the ma’am as if say he were still being polite while throwing a silent ‘fuck you’ in her face, “_____ is doing exactly what she set out to do. Her talents and her knowledge are being used exactly where they need to be and if you can’t deal with that then you can go fuck yourself.”

It was your turn to choke on the wine you were currently chugging out of your glass. Your brother next to you broke out into a chortled laugh he was momentarily trying to keep in. Your father stood from his chair.

“What did you just say?!” he shouted down to Jimin.

Jimin remained as passive as ever as he looked at your father.

“I said, you can go fuck yourself. All of you. You think you’re so…so entitled that you can sit here and berate your own child about her passions? Did you ever once think that the way you demean her could have some long-lasting effect on her life? Probably not!” he said throwing up his hands. “Because all you fucking do is think about yourself. I was going to sit here and be civilized.” He stood up from his chair in that moment. “But you know what? Civility went out the window the moment you let her go at 18 without a care in the world how she ended up. So, all of you,” he said as he gestured to everyone around the table, “can go fuck yourselves.”

You were still in your seat in shock with your brother openly laughing next to you now. Tears streamed down his face as he began to clap. “This is the best dinner I’ve been to in years.”

“Oh, shut up, Woosung, you’re just as bad as the rest of us,” your oldest brother spat at him.

Jimin grabbed your hand and quickly pulled you up from your chair and towards the door. Jimin paused with his hand on the handle before turning back around to the scene before him. Your dad was still standing, red in the face, your mother wasn’t much different; and Woosung was still laughing as he casually sipped his wine.

“And you might be her father, but when we’re at home she calls me daddy.”

Woosung spit the red wine he was drinking all over the tablecloth and your brother. Your father made a move towards Jimin, but your mom grabbed his sleeve before he could go any further.

Jimin quickly pulled you from the room, through the restaurant, and out the front door. He pulled the tag from his pocket and handed it to the attendant. “Make it quick, Ian.”

Seeing that Jimin was in no joking mood, he quickly sprinted off into the adjacent parking lot.

“What the fuck!?” you laughed out when you finally found your voice.

Jimin turned to you in surprise. You immediately squished both of his cheeks between your hands before you landed a wet kiss on his lips.

“That was the best birthday present I could ever ask for,” you said while drawing back from his face.

“It was hardly a present,” he mumbled through his squished lips, “and it needed to be said anyhow.”

“I love you, you know that right?”

For what felt like an eternity you gazed in one another’s eyes. A cool breeze lifted your hair and tickled the apples of Jimin’s cheeks and in that precious, single moment he saw the whole world in your eyes. Every hopeless thought he ever had was banished at that moment and he felt like his heart would flare inside his chest and burn out like a dying star. In your eyes he saw every good memory, every good morning kiss, fight in a rainstorm, and Sunday morning drives to the coast.

“I love you, _____,” he whispered.

Your reverie was broken when the attendant parked your car alongside the curb and stepped out.

“Your car, sir.”

“Thank you,” Jimin said as he handed the man a tip.

“Now let’s get you home for that surprise.”

“What is it exactly?”

“Wouldn’t be a surprise if I told you. I need to text someone really quick.” He proceeded to send a quick text before buckling in and putting the car in drive. You were scarcely out of the driveway when you turned to see your family falling out of the front door in a heaving mass of angry faces and flailing limbs. Your father was shouting at your mother and your youngest brother was clearly sloshed with the amount of wine he had been chugging. Both grandparents looked as if they’d rather be anywhere else but there. With a silent laugh to yourself you turned back to Jimin to grab his hand for the duration of the ride home.

When you arrived home, you inhaled the familiar scent as soon as you crossed the threshold. All the soft lamps that you had left on before you had gone left the house in a warm, inviting glow. You quickly pulled off the heels you had dug out of the recesses of your closet and tossed them with the other shoes by the door.

“I’m starving,” you said as you made your way to the kitchen. “Should have saved your ‘fuck yous’ until at least after the appetizer.”

Jimin laughed as he came into the kitchen with you munching down on a granola bar you had found in the cabinet.

“The opportunity arose, and I took it, babe,” he said as he shrugged off his jacket and hung it on the back of a chair.

“What’s the surprise?” you asked between chews. “Because I’m starting to think it was you going off on my parents.”  

Jimin laughed nervously as he scratched the back of his head. You started to get nervous.

“Jimin?”

“Uh, remember when we talked about our fantasies?”

You wracked your brain to remember the entirety of that conversation. A lot of what you had discussed had been some run-of-the-mill stuff.

“Yea…”

“What was one of the things you wanted to try the most?”

“…a threesome?”

Jimin continued to rub his neck.

“…Jimin? What’s going on?”

“Do you trust me?”

You gulped loudly.

“I, uh, set up a surprise for you. Something that you wanted. I’m going to talk to you about it here because if you’re uncomfortable I want you to say so…”

All you could do was stare and hold your breath.

“I asked Jungkook if he’d like to join us.”

The granola wrapper fell from your hand as you choked on the dry fragments of the bar.

“Excuse me?” you said between tears.

“Oh god, this was a terrible idea,” he said putting his head in his hands.

“I didn’t say that, but why would you want to do this?”

“It’s something you wanted to do.”

“Yea but are you comfortable with this. Jungkook is your best friend.”

Jimin beamed at you then. “That’s why I asked him and not just some random stranger. I trust Jungkook and I trust you.”

“And he’s okay with this?”

“Of course. It goes without saying that he loves both of us. When I first asked him, he was a little surprised that I’d share.” You emphatically nodded at that; thinking the same thing. “But if this is something you want, I feel comfortable sharing you with Jungkook.”

“I’m only okay with this if you’re 100% sure this is something you can do,” you said finally.

“I’m more than okay, ______,” he said as he walked around the counter to you.

He lazily put his hands on your hips and brought his lips down to your ear.

“Besides,” he whispered, “I’ve always kinda wanted to see you get fucked by someone besides me.”

A shiver ran from the top of your head and all the way down to your toes. You let out a shaky breath as Jimin placed a kiss to the soft spot below your ear.

“So, if you’re okay with this, Jungkook is already here and waiting in our room.”

So that is why Jungkook called earlier and he was probably the one Jimin texted when your dinner was cut short. He took your hand and slowly led you down the hallway to your room. From your vantage point you saw that the soft bedside light was on inside. Nervousness laced through your veins along with a tinge of excitement. You had only ever known Jungkook as a friend except for when you first met. Ever since Jimin, you had never given Jungkook a second thought. Yes, he was overly attractive and so nice that he would give the clothes off his back, but as a sexual thought in your mind? No. You froze midway to the door. Jimin turned back to look at you.

“Is everything okay?” He took in the frightened look on your face.

“What if this changes things? Maybe we should ask a stranger.”

Jimin quickly gathered you into his arms. “Jungkook and I have already discussed this at length. If anything, I’m worried you might like him more.”

“That’s bullshit,” your words muffled in his chest. You felt him vibrate at his small chuckle.

“Good to know. Come on.” He led you the rest of the way to the door before slowly pushing it open.

Jungkook lounged nonchalantly on your shared bed as he scrolled through his phone.

“Shit hit the fan at dinner?” His eyebrows raised as he looked you both up and down. You appreciated his comfortable banter.

“You could say that,” Jimin said as he loosened the tie at his neck. “I’ll spare you the details for later. You’ll find it highly entertaining.”

You stood stock still and fiddled with the pocket on your dress.

“You okay, _____?” Jungkook asked.

Your nervous sigh came out a little stuttered. With that Jungkook rose from the bed and walked up to you. You side glanced nervously in Jimin’s direction, but he chuckled as he turned from you and continued to undo the cufflinks on his sleeve. Jungkook was standing before you casually dressed in a white t-shirt and dark jeans. His shoes were off. Were his boots at the door and you missed them? Jungkook raised his hand tentatively to place his open palm on your cheek.

“Relax, ______. We’ll take care of you,” he smiled.

You shouldn’t have been as turned on by that as you were. It would certainly take you a minute or two to warm up to this, however.

“I trust you,” you whispered. You licked your lips nervously and cast your eyes downward. When you looked back up again, he was staring at your now wet bottom lip.

“Can I kiss her, hyung?” he asked the question while still looking at you. You were too petrified to look elsewhere as you heard a distant ‘go ahead’ in answer.

Jungkook was slow. He was testing the waters. He brought his lips down slowly to yours and you had forgotten how soft they were. After all these years, memories of him in that dark hallway came flooding back to you. You moaned into his kiss and he took the opportunity to grab your waist and pull you into him as he deepened the kiss. The only feeling you knew was Jimin; he was long, autumn evenings, sweaters too big for your arms, and snuggles under blankets while the snow fell outside. Jungkook was different; he was blazing summer days that burned into the night, sweat on your skin as you laid out in the August sun, and the rays of a sunset over sand.

You quickly wrapped your arms around his neck to bring him closer. Did this feel wrong? A nagging thought at the back of your mind made you think this was very wrong, but with Jimin in the room and approving pushed that thought farther back in your mind. Jungkook grabbed the hair close to your nape to pull your head back so he could deepen the kiss further. It was about that time that you felt a pair of familiar hands settle firmly on your hips. You felt Jimin’s plush lips kiss down the side of your neck and to your shoulder.

“Go gentle on her, Jungkook,” he said between kisses.

You broke away from the kiss long enough to say, “What if I don’t want him to be gentle?”

“I always knew you were a dirty slut,” Jungkook said as he pulled your hair back harder to place a bruising kiss right below your jawline.

“You don’t have to make the marks so obvious,” Jimin said sternly from behind you.

Jungkook almost looked sheepish when he looked at Jimin. “Sorry, hyung.”

Jimin grabbed the zipper at the back of your dress and slowly unzipped it.

“Watch as I undress her, Kook,” he said to the man in front of him.

Jungkook took a step back to admire what Jimin was doing. You quickly cast your eyes downward as his hands moved to your shoulders to push the dress off. He placed his hand under your chin to bring your face back up.

“Look at Kook, baby.”

Your eyes connected with Jungkook’s and within them you saw a thousand fires; his pupils were blown wide with lust as he gazed at you. He sucked his bottom lip in between his teeth as Jimin slowly started to slide your dress off your shoulders. You instinctively rubbed your thighs together when a moan came out of both men at what you had on underneath. You thanked the heavens above for having selected actual lingerie when you got dressed today. The soft pink lace of your bra was slowly revealed and as Jimin pulled it lower they caught glimpse of the matching panties and garters that held your stockings.

“God baby, did you know about this surprise after all?” Jimin moaned as he pulled one of the garter straps and let it snap back against your skin.

Your breath hitched as he palmed your ass through the panties. “N-no.”

“You’re fucking beautiful,” Jungkook breathed out. His cock was now very prominent in his tight jeans.

“Let’s put on a show for him, shall we?” Jimin said as his left arm came across your chest and held you firmly against him.

He slowly let his right hand graze over your breast, sending goosebumps in its wake, and making you stand out against the thin, fabric lace. A small moan escaped you as he let his fingers graze the skin of your stomach and to the waistband of your panties. You pushed your thighs together as he began to slide his hand underneath.

“Uh-uh, baby. Spread ‘em,” Jimin breathed into your neck.

Your body obeyed instantly. Jimin moaned in approval as he moved his hand to the outside of your panties instead. He slowly rubbed his hand over you as you whimpered.

“What do you want?” Jimin asked.

A sudden thought flashed in your mind. “I want Jungkook to control your movements.”

You looked across to Jungkook who cocked an eyebrow as he palmed himself over his pants. Before you could blink, he was unzipping his pants and pulling his cock out while sitting on the edge of the bed. He began stroking himself as he said ‘gladly’ in such a dark tone you were practically soaking your panties.

“Okay, Kook, you’re in charge now,” Jimin said as he stopped all movement.

“Hold her still, but play with her nipples first,” Jungkook said. You watched him languidly stroke himself as he watched you through hooded eyes.

Jimin brought his right hand up again to tweak the nearest nipple through the fabric of your bra. You arched your back into his touch when he slid the right side of your bra down to expose your skin to the air. Your nipples hardened even more as the cool air skated across your chest.

“Take her bra off.”

Jimin knew this bra, thankfully, as he reached over and undid the front clasp. He took his hand away momentarily to slide it off your shoulders and discarded it to the side before pulling you flush to his chest again.

“Such beautiful tits. No one wonder you’ve kept her around for so long, Chim.”

“She has other beautiful assets as well, Jungkook,” he said pointedly while placing a kiss to your shoulder. He had meant it to sound harsh, but it didn’t come out that way as he was suddenly distracted by your now bare chest.

“I’m only kidding. I know she’s perfect in many ways.”

“You almost sound like you’re in love with her, Kook.”

“I was the first person to make out with her if we’re on the subject of people in this room.”                                                                                                                    

“Watch yourself,” Jimin said lowly.

You wanted to be touched. Badly. “Okay, boys, let’s get back to the matter at hand.”

“So needy,” Jungkook said from his place on the bed. “Play with her tits some more.”

This time Jimin used both of his hands on you. He kneaded both in his hands before pinching and pulling harshly on your nipples. You cried out as you breathed heavily against Jimin’s hands.

“Do you like that ______?” Jungkook asked.

All you could do was let out a soft moan as Jimin continued to assault your breasts.

“Answer him,” Jimin said as he delivered a particularly harsh twist to one of your nipples.

“Ah, fuck! Yes! I love it!”

“Fuck, hyung. Touch her pussy.”

You sighed heavily. This is exactly what you wanted. Chills followed Jimin’s touch as he let hand his trail down your stomach once more and to the thin lace covering you. He took a moment to undo the straps of the garters, slide your panties down to your ankles and toss them aside with your bra. He made his way back up to touch you once again. Shivers ran through your body in anticipation.

“Don’t tease her,” Jungkook said darkly.

“As you wish,” Jimin murmured.

He bit harshly into your shoulder as he brought his fingers to your clit and started to rub circles on you. Jimin felt like the was trying to tell an entire story in that moment. His left arm was braced firmly across your chest as he held on tightly to your right shoulder. You felt his mouth, open, and breathing hotly against the side of your face as his ministrations on your clit sped up. Your head was thrown back against his shoulder as his fingers deftly brought you to the place only Jimin could take you.

“That’s it, baby,” he breathed against your cheek.

“Fuuuck, Jimin.”

You dared to look at Jungkook in that moment. Sweat had his hair stuck to his forehead as he furiously pumped his cock at the sight of you coming undone under Jimin’s touch.

“God, Kook, I think you made her more wet. If that were even possible.”

Jimin began placing hot kisses along your neck and shoulders. He was soon biting harsh bruises into the junction between the two that left you writhing even more. His left hand was surely leaving a bruise at this point with the way he was holding you firmly against him while you continued to lose function of your legs.

“I want to taste her.”

“Do you want that, baby?” Jimin whispered hotly in your ear.

“God, yes. I want it so bad, Jimin.”

Jimin lifted his hand away from you and brought his fingers to your mouth.

“Open up.”

He slowly slid two fingers in your mouth. You took your time wrapping your lips around his fingers tightly before sucking them both clean; his fingers coming out of your mouth with an audible pop. Jungkook was removing all his clothing when Jimin let go of you.

“Go lay on the bed,” Jimin demanded in an even tone.

You lay horizontally on the bed as Jungkook loomed over you looking at you hungrily while Jimin undressed elsewhere in the room. A small yelp escaped you as Jimin grabbed you underneath your arms and pulled you to the edge of the bed, effectively hanging your head off the edge and face to face with his cock. Below, you felt Jungkook crawling onto the bed as he hooked his arms around your thighs. You felt his hot breath on your skin as he lightly kissed the inside of your thigh and made his way to where you wanted him the most.

“Jungkook, please,” you whimpered.

“What do you want him to do?” Jimin whispered from above you.

“I want him to fuck me with his mouth.”

“You heard the lady.”

“And who am I to deny her?” Jungkook asked the rhetorical question before licking hole to clit.

Your body involuntarily shook when his tongue started to make deft circles around your clit. His fingers tightened their grip on the junction between your hips and thighs as he brought his face deeper into your pussy, bringing you to new heights. You could have sworn he was composing a song with the way his mouth was moving on you. Jimin was no stranger to eating you out, and he did it well, but where Jimin was slow and thoughtful, Jungkook was trying to bring you to the edge as fast as possible. At that moment Jimin took that opportunity to tap your lips.

“Open up,” he said, cock already in hand. From your current position he was able to slip his cock easily into your mouth, swallowing as he hit the back of your throat.

“God dammit if you swallow like that I’m going to cum here and now.”

Below you, Jungkook slid two fingers inside of you and immediately curved them upwards, thrusting them in perfect timing with his tongue. You let a long, drawn out moan around Jimin’s cock. His body jerked in reaction and he caught himself by his hands on either side of your torso.

“Can I fuck your mouth?” he asked as he looked below even though you were unable to see him. You tapped his thigh twice to give him the go ahead. He continued looking so that he could see his cock disappearing into your mouth as he started to slowly thrust into your mouth. One look at Jungkook, however, had his pace in your mouth speeding up.

“Fuck, baby, do you know how hot it is to see Jungkook eating you out?” You moaned around his cock as he continued to let it hit the back of your throat with each thrust. “How does she taste?”

Jungkook looked as equally as fucked out when took a deep inhale of air that he wasn’t aware he was depriving himself of when he pulled off you enough to answer Jimin.

“The sweetest fucking pussy I’ve ever tasted.” His face glistened with how wet you were. He didn’t wait a second beat before he was diving back in between your legs. You could feel in the pit of your stomach that you were going to cum soon; your thighs tensed around Jungkook’s head as he continued his ministrations on your now engorged clit, his fingers still thrusting inside of you.

Jimin pulled out of you and kneeled on the floor in front of your face. Your throat was on fire and your face was wet where drool had started to collect and slide out of the corners of your mouth. He took both thumbs to wipe the spit from your mouth but left the tears that continued to stream out of the corners of your eyes. You could cry from how good Jungkook was making you feel.

“Are you going to cum in Jungkook’s mouth baby?”

“Oh god I want to so bad, Jimin,” you moaned.

“Are you going to let her cum, Kook?”

Jungkook moaned in agreement and your back arched as the vibrations pulsed across your clit.

Jimin brought his face to yours. “Look at me.”

Through your lust filled haze you managed to open your eyes and look into his.

“Concentrate on Kook and my words, baby.”

Your mouth fell open in a silent consent.

“Does his mouth feel good on you? I want you to cum for both of us, _____, then we’re both going to fuck you until you can’t walk tomorrow.”

“Oh, fuck.”

“Would you like that, baby? Have both of our cocks inside of you? I bet you would, wouldn’t you? You’re such a cockslut.”

Your orgasm was fast approaching and Jungkook could tell as you continued to arch your back and hold it there in a rigid tension of muscles as you willed your release to fall over the edge. He gave a few harsh sucks to your clit before you were cumming so hard your eyes were rolling back into your head. You heard Jungkook’s drawn out moan as you finally reached your high. Jimin caught your moans with his mouth as he brought it down on yours to kiss you firmly as you came in Jungkook’s mouth. He slowly pulled his fingers from you and you could hear as he sucked each one clean.  

“God that was fucking hot,” he said as he up righted himself on the bed.

You felt yourself being jerked in the other direction as Jungkook wrapped his hands around your calves.

“Sorry, Chim, I gotta feel her real quick.”

Before you knew it, he was thrusting his cock to the hilt inside of you. You cried out in pain, pleasure, and overstimulation. He had barely given you enough time to come down from your orgasm when he started to thrust inside of you harshly.

“Yes, you’re just as fucking tight around my cock as I imagined.”

You looked up to appreciate the sheen of sweat that was covering Jungkook’s body now. In the low lights of the room, it cast an attractive highlight to every muscle he had. His mouth hung open as he held one of your legs to his chest and watched his cock disappear inside of you. Surprise overtook you when he pulled out, his cock red and throbbing.

“I just wanted to feel that for a minute,” he breathed out in a small laugh.

Jimin got onto the bed and propped himself against the pillows. “She feels great, huh?”

“Better than expected.”

“Hey,” you laughed, “what is that supposed to mean?”

“Don’t worry about it, baby,” Jungkook said as he reached to help you into a sitting position.

“Come here, ______,” Jimin said tapping in the general area of his lap. “I want you to ride me.”

You got up shakily and as well as your legs would carry you across the bed as you crawled to him.

“Are you okay?” he whispered just loud enough for you to hear.

“Great,” you smiled as you briefly kissed him. You positioned yourself above his cock, holding it firmly in your hand before sinking down on him. His head fell back against the headboard as he bottomed out inside of you. A small sigh escaped your lips at the familiar feeling of him. Jimin was home; Jimin was love and it was a completely different feeling from Jungkook. Knowing exactly what you and Jimin both liked, you leaned back carefully, placing both hands on his thighs before setting a rhythm with your hips. He kept a firm grasp on your hips to help you bounce on his cock.

“You look so fucking good like this, baby.”

“Yea? You like it when I fuck you like this?” You let your head fall to the side as you looked for Jungkook. He was stroking himself again as he watched you ride Jimin. “I want you to kiss me again, Jungkook.”

Jungkook didn’t even hesitate as he brought is hand to the back of your head and melded his lips with yours. You were both tongue and teeth as he held you there while still rubbing his cock.

Jungkook pulled away from you after a moment. “I have kind of a weird question.”

You slowed your hips on Jimin and in turn Jimin looked at Jungkook inquisitively.

“Do you like anal?”

You laughed out loud and Jimin’s eyes disappeared in a full face smile.

“She fucking loves anal, dude.”

Jungkook outwardly moaned. “Fuck I’m so glad I agreed to this.”

“Look in the bedside drawer,” Jimin said as he motioned his head towards it. Jungkook pulled it open and saw what Jimin must have been talking about. He pulled the lube out and tossed it onto the bed beside you.

Jimin shimmied himself down off the pillows, taking you with him. He pulled you to his chest to kiss you as passionately as possible, but it ended up being a messy, lust filled kiss that found no cadence. You rocked your hips slowly into him as you kissed along his jaw and then sucked his earlobe between your teeth. You felt your ass being spread in Jungkook’s firm hands.

“Such a pretty ass.”

You gasped when you felt his tongue on you. Slow and tentative he pushed it inside. When you didn’t resist or object, he continued a little more aggressively, especially when you moaned in contentment. This man could eat ass as well as he could eat pussy. Before you could get too into it, he was pulling away again. You heard the distinctive pop of lube being opened then the cool touch of Jungkook’s finger along the rim. He experimentally pushed one finger in. Your head came up a fraction from Jimin as you moaned.

“Having both holes filled is going to be the best feeling,” you groaned.

“I’m having the hardest time not fucking you into next week right now,” Jimin said. “Stop talking like that and let Kook prep you.”

“Yes, sir,” you said with a slight smirk.

Jungkook took that opportunity to bring his hand down hard on your ass cheek.

“Fuck!” you yelled.

“Listen to Jimin, _____.”

More lube was placed on you as he added another finger. He slowly moved them in and out, letting you adjust to the intrusion. He scissored them slightly, creating room for himself. You tried to stifle your moans but were unsuccessful as Jimin started placing small, kitten kisses along your jaw and neck.

“You keep clenching around me. It’s so hard for me not to fucking ruin you with my cock. I want to fuck you so badly that you’d be crying loud enough for the neighbors to hear.”

Jungkook added a third finger.

“And then every time they see you in the hallway all they’ll be able to think about is how you love to be fucked by multiple cocks.”

Jungkook’s thrusts were becoming harsher, but all you could feel was pleasure.

“I’m ready, Jungkook,” you breathed out.

His fingers disappeared and you felt the bed dip low as he kneeled behind you. The tip of his cock was at your ass and you arched your back even more to ease his entrance. Slowly, he slid inside inch by inch until he was bottomed out inside of you. All three of you let out a collective moan. Jimin started to move first, setting a rhythm before Jungkook joined him. Together, they set a punishing rhythm that had you writhing between them. Before long, you were all limbs, sweat, and breaths between heartbeats. Jungkook was leaning over you, raining kisses along your shoulders, while Jimin’s fingers bruised into you hips. Both were whispering praises to you that fell on deaf ears for everyone. You were one, but separated, each feeling their own sensation in the moment. The room was hot and heavy, the smell of sex lingered in your nose. The hot drip of Jungkook’s sweat fell between your shoulder blades and ran down your back, intermingling with your own. Jimin’s plush, pillow lips were opened in ecstasy as he fucked up into you. It was all so much, and you felt your next orgasm mounting again.

“She’s going to cum soon,” Jimin choked out. He knew your body and he knew it well. You had no voice any more; you were doing well to stay conscious. “When she cums, that’s it. She won’t be able to go much longer.”

“Good thing I’m close,” you heard Jungkook grunt out behind you.

A few more thrusts from both and your vision blacked out as your orgasm hit in one heavy wave.

“That’s it, baby. Cum all over my cock.”

“Fuck,” you whimpered as your orgasm increased tenfold with both still thrusting inside of you.

“Dammit.” You felt Jungkook pull out of you and moments later warm cum landed on your ass. He groaned loudly behind you as his forehead came to rest on the middle of your back.

“Move, Kook,” you heard Jimin growl.

He was fast. As soon as Jungkook was out of the way Jimin had you thrown onto your back and was pounding into you so hard you were sure you blacked out again. Before too long you felt him cum inside of you before he released his full body weight on top of you.

Your ears roared with the silence that now filled the room. The only sounds were heavy breathing that slacked into shorter breaths as everyone collected themselves. Jimin groaned as he pulled out of you and flopped to the side. Jungkook was a hand’s width away from you on the other side.

“Well,” Jungkook broke the silence. “I can definitively say this is the most fun I’ve had in a while…and the best sex.”

You snorted as Jimin laughed.

“Don’t get used to it, buddy,” Jimin said as he laid his arm across his eyes.

“Damn.”

“That…was a great birthday present. Really. Thanks to both of you,” you said when you were finally able to catch your breath. “I’m just sad that I need to change these sheets before I can go to sleep.”

Both men laughed out loud.

“I’m staying here, right?” Jungkook asked.

“Yea, I fixed the spare up for you earlier,” Jimin answered. “You know where everything is.”

Jungkook rolled over to place a sweet kiss on your cheek. “Happy birthday, ______.”

You looked over to see him smiling brightly. “Thank you, Jungkook.” You placed your palm on his cheek affectionately before he rolled off the bed, gathered his clothes and went to the door.

“See you guys in the morning.”

“G’night, Kook,” Jimin yawned next to you.

Once he was gone from the room you rolled over to Jimin and placed your arm over his waist.

“I love you.”

His lifted his arm from his eyes to look at you. “I love you, too. Enjoyed yourself?”

“Very much.”

“Don’t get used to it.”

“Oh, I know,” you laughed.

The next morning both men woke up early, struggling to find a way to hide a ring in a stack of pancakes.

Please do not repost. 

[prorevenge]

A 2-For-One Deal

This happened to me in the early 1990's, and I ended up with revenge I really didn't deserve. Most good revenge stories are about an a-hole getting what he deserves. In this case, I was the a-hole. LONG STORY!

I was working in a large union manufacturer, and I was the shop's problem child. At the time, I was a raging alcoholic/addict, and you could fit the fucks I gave into a matchbox and still have room for the matches. I had a big mouth, and a bad attitude, and naturally, management was somewhat less than fond of me.

Of course, being an asshole, I thought I was the persecuted one. It was all about me, don't you know. My problems with authority was all because of the authorities, and I couldn't see that my problems were of my own making.

This union shop had a disciplinary system in the contract where certain infractions were given a number of points, and at 100 points, you were fired. If you were good, and kept your nose clean for three months, 30 points were deducted from your score. Missing 2 days in 4 weeks was a 20-point shot. Being late twice in 5 days was a 20-point shot, you get the idea.

The workforce was pretty diverse, and we had people from all over the place working there. In my department were 2 guys, from some SouthEast Asian country, I can't recall which. They were very hard workers, and they were overtime hounds. I think they were living cheap and sending their money back home, because they jumped at every opportunity to get overtime. They had less seniority than I did, so the Foreman, Ernie, would do the rounds a couple of hours before shift's end, asking people in order of seniority if they wanted OT. These guys, let's call them Bill and Ted, would follow Ernie around, looking worried that they would get shut out. Once Ernie got to their names, their faces would light up.

The Union hated OT. The way they looked at it, if the Company offered 40 hours of OT work in a week, that was one less worker that could have been hired. And one less worker being hired means one less worker paying Union dues.

As I mentioned, I was a troublemaker, and I fucking hated Ernie, and he hated me. Every time there was a shitty job, I got it. And for good reason.

Ernie: "Where have you been hiding? I have been looking for you for the last 20 minutes."

Me: "If I tell you, that means I have to find a new place to hide next time."

or...

Ernie (shouts across the department) "You've got an attitude problem!!"

Me (also shouting) "No, you're wrong. I have an attitude. You have a problem"

You get the idea. I would do stuff like, if asked to do something, do it, then stand there doing nothing, until told to do something else. I would bring several copies of the newspaper in to work, and place a copy in each of the bathroom stalls.

Anyway, one of the problems I had outside of work was a fondness for intoxicating molecules of an astonishing variety. This had a rather negative effect on my personal finances, and I owed money in quite a few directions.

One Wednesday, I returned home, and my roommate handed me a sheet of paper. He had signed for it from a process server, thinking that it was related to his divorce. Only afterward did he notice that it was addressed to me. Shitty Finance Company (SFT) was taking me to small-claims court over an unpaid debt, and the hearing was the next day.

And I had 95 demerits. And I had taken a day off the week before.

What the hell? I looked at the form, and they were supposed to give a minimum of 7 days notice, and here they ambush me the day before the hearing, don't even serve me, but my roommate. The problem was, if I didn't show for the hearing, I would have to argue all this shit after the fact. AFTER the judgement in absentia, which would be a LOT harder to win.

I had no choice. I had to go to the hearing. I had to take Thursday off and go to court.

REVENGE ONE:

I call in to work, and explain to the receptionist that I wouldn't be in as I had to be in Court. I show up there about 20 minutes before hand, and ask how things work. There was a Justice at the front, doing paperwork.

I could be a manipulative bastard when I wanted to be, and put up my best goody-two-shoes tone of voice. "Excuse me, but I don't really know how this works. I am on your list for this morning, do you know when I might be called?"

Justice: "Well, we do a roll call, and then call up the cases one by one."

Me: "Sir, if it's not too much trouble, can you call my case first? I really need to get back to work."

Sure enough, they do the roll call, then announce the first case.

Justice: "thrownaway147852?" Me: "Here, Sir." Justice: "Shitty Finance Company?" Silence. Justice: "Shitty Finance Company?" More silence. Justice: "Dismissed. Next."

And just like that, I won. SFC was still owed the money, they just didn't have any legal means of collecting it. No seizure of assets, no leins, no garnishments.

I actually called them, and gave them shit on the way out of the building, for ambushing me with a notice when they legally were required to provide 7 days.

SFC: "That's not really a problem, we can deal with that at the hearing." Me: "I don't think so. The hearing ended 5 minutes ago." SFC: "What?" Me: "Yeah, your guy didn't show. It was dismissed. You lost." SFC: "But you still owe us..." Me: "Yeah, good luck collecting. So long, pal. Thanks for all the money."

REVENGE TWO

Did you think I went to work after Court? Like hell I did. I picked up a Havana cigar and a bottle of Grand Marnier and celebrated.

When I showed up on Thursday, it was late in November, there was Ernie, the Plant Manager, and a Union rep standing beside the time clock. Ernie was clutching a 20-point shot, and a shit-eating grin. It's off to the office for a meeting.

Ernie: "Here. You're served. That puts you at 115 points, and we're letting you go." Me: "You can't do this, I got called into Court." Ernie: "There's nothing in the contract that says anything about an exemption for Court. The points stand." Me: (to the Union rep) "Let's go to your office and file the grievance."

So that was it, I took my tools, and headed home. Christmas was pretty bleak...unemployment insurance didn't kick in until January. The wheels turned slowly, as the Company wanted to punish me and they denied my grievance. The Union took it to arbitration.

The company argued that there was no exemption in the contract for a Court summons. The Union argued that the duty to obey the Court superseded an employee's obligation's under the contract. If, for example, an employee was called as a witness to testify in Court, and their testimony lasted two days, then the Company shouldn't be eligible to discipline them.

The Arbitrator agreed, and instructed the Company to reinstate me. This happened late the following August.

In early September we had what I call my Victory Meeting, after the company considered it and decided not to appeal the arbitration.

That's right. Reinstatement. With full back pay. And holiday pay. Ernie was there, and he had a glint in his eye. "I look forward to seeing you back on the floor on Monday." I could tell he was eager to pick things up right where he left off.

I turned to the Union rep. "This means that all the intervening time counts toward my seniority and everything, right?" Rep: "Correct." Me: "So this is 'live' time and not 'dead' time?" Rep: "Also correct." I look Ernie right in the eye. "So that means that three 3-month periods have passed without any infractions. So in other words, 90 points come off my demerits. That means I now have 5 demerits, not 95, right?"

Ernie's face falls, and he looks to the Union rep, who replies, "He's got a point, there. He has 5 demerits now."

This means that if Ernie is going to want to get rid of me, it's going to take more than one 20-point shot to do it.

Now, I had no intention of returning at all to that shithole. I was planning to move out of town, but they didn't need to know that.

Me: "Listen, I think we both know that the working relationship has been damaged beyond repair. I am willing to consider an offer of separation."

The Union rep asked me to leave the room while he talked with them, and I went down to the cafeteria for a coffee. About 20 minutes later he came and got me, and the meeting continued.

Ernie, as uncomfortable as I could imagine him, said that they had agreed to offer me 2 months pay to go away. Hey, it was a chunk of money, so I accepted.

Then I played the ace. I asked the Rep to step outside for a minute. He was all happy about negotiating a good deal for me.

Me: "What about overtime?" Rep: "What do you mean?" Me: "Don't they owe me for overtime?" Rep: "I've seen your stats. You NEVER work overtime." Me: "That's not the point. I wasn't there to be asked. I could have worked overtime, but I didn't have the chance."

Then it dawns on him. Overtime had been a sticking point for ages, and here was the chance for the Union to stick it to the Company on the issue. Oh, was he happy about this.

Back to the meeting.

Rep: "We need to address the issue of overtime." Ernie: "What do you mean?" Rep: "Since thrownaway wasn't there to be asked, every time someone with less seniority in his department worked overtime, you have to pay him as well." Ernie: "Oh." He realizes that every single time his two superstars, Bill and Ted, worked a minute of OT, I get paid. He could have asked for another employee, but no. Ernie was trying to keep the Administrative overhead for his department down, and it bit him on the ass.

And that about wraps it up. I was fired because I was a jerk, but the reason they used to fire me didn't stand up. I was able to play their own system right back at them, and when it was all over, I was able to collect about a year and a half's pay for being off less than 10 months.

I wish i could tell you it ended perfectly for me, but as I said, I was an alcoholic and an addict. I did get to spend a great time in Amsterdam and London, bought some toys, and had some fun, but the money went quick.

I don't behave that way any more. I grew up, matured a lot, and quit behaving like an idiot. And I have been clean and sober for almost 5 years. If I had a pile of cash like that land on me today, I would handle it differently.

But it wouldn't have landed on me in the first place if I hadn't been an asshole at the time.

(source) (story by thrownaway147852)

[losferwords]

Don’t call it a comeback, just my 2017 review

My return to Tumblr will have something meaningful rather than just “Hi I’m back again, but really I’m going to be gone for 8 months before I post again”.

Basically, I used to have a website where I’d post something like this, but decided it was a waste of money to pay for half a dozen website domains and hosting that I wasn’t using. So with no other option, plus a bit of an audience on tumblr I’m posting it on here (translation: someone might read this here).

Anyway, introduction aside… my 2017 “review”:

No I’m not reviewing albums or films or tv shows, but posting some info about real life stuffs. It’s like it’s my year in review. I’m not going into huge detail about everything though (got to keep some level of mystique).

Worthy points of note: I bought a house and then almost lost my job. I’m a Libra, and my sign is the scales, which is all about balance. I suppose that right there is a perfect balance of good and bad.

The year started with zero resolutions, I wasn’t that organised, I didn’t have a master plan of “this year I’m buying a house” - it was more a case of it just happening and once I started, I just kept going and going, one thing to led to another and BAM I’m a home owner.

In March, the shit hit the fan in work, I won’t go into details because the past is in the past. Safe to say we were all pretty pissed off, I applied for new jobs, and at one point had a letter of resignation typed up. But we all persevered and got on with things. Then at the end of April, I suddenly felt like it was time to look at buying a house. I booked a week off work, arranged a meeting with the bank and viewed a house.

The bank were useless and messed me about, more importantly they wouldn’t give me a big enough mortgage for the first house I viewed. The amount they will lend is worked out as a multiplier of your annual income and every bank/building society have different ones. My bank used 4.5x annual income minus “committed outgoings” - so things like loans, credit cards, car finance repayments, etc. To be fair the first house was a bit weird, and too expensive really. I decided to look at other lenders and found that Nationwide used a 4.75x multiplier, plus where I had to wait two weeks for an appointment with my bank, I only had to wait two days for one with Nationwide.

I viewed another house, which was much cheaper and overall better than the first house I viewed. Nationwide approved me in principal for the mortgage on it, I booked a second viewing a few days after the May Day bank holiday (at the start of the month), and managed to blag my way to an actual appointment with the mortgage advisor. What they do, is they don’t let you see an actual mortgage advisor until you have an offer accepted on a house. But I cajoled (great word) my way to an appointment before I’d made an offer. I viewed the house again, made my offer and the next morning once the estate agent was happy I was a serious bidder, the offer was accepted.

Here we go, my three week search was over. House found, offer made, offer accepted. Now on to the interview, which was an experience. Anyone who says face-to-face banking is dead has never had a mortgage. Three hours it took to sort out the mortgage, home insurance, life insurance and property survey. In between this I picked a solicitor and told them to act on my behalf. Less than a week after the offer was accepted, I had the mortgage and all insurances sorted. I was flying, hoping to get everything finished within six weeks. But then things took a wrong turn.

The whole “house buying process” took thirteen weeks for me. “But how?” You ask? Well Nationwide took their sweet time, as did my solicitor, but more importantly – Japanese Knotweed was found by the surveyor on the edge of the property boundary.

Japanese Knotweed is an invasive plant which has strong and powerful roots which can break through concrete. Lenders hate it, and many won’t give mortgages if it’s close to the property. Despite it being over 100 feet away from the house itself (yep I have a big garden), the surveyor wanted it investigated and treated. So now we were at a standstill.

My mortgage advisor gave his apologies for the news and said to look for a new property. I said screw that, I’m not giving up on the house because of that. And so a knotweed survey needed to be carried out, and the result of that was that it did need a treatment plan – both the survey and the treatment were paid for by the seller – which I appreciated greatly (the seller ended up paying about £2,500). So for the next 3 years a specialist company comes to treat the knotweed, but it’s all paid for by the seller.

Fast forward to the first week of August, and we FINALLY complete. I take two weeks off work in the middle of August to get the house tidy and the way I want it. You know, painting walls, ordering sofas, building flat pack furniture from IKEA, a new carpet for the bedroom, a new mattress, watching lawn care videos on YouTube (yes I’m that person now) and I spent a shit load of money. But it still comes in under my original budget so I’m proud of myself. I won’t say how much I spent, but it’s the most I’ve ever spent on anything before. I move in in the last week of August with just one cheap (but stylish) IKEA armchair to sit on, as I awaited my (also stylish) new sofas.

Then a month later, the news from work is that everything is changing, they’re going to do the complete opposite of what they said they’d do, instead they were closing the office and we were being made redundant at the end of December. Based on how I felt at the start of the year, I wasn’t too bothered. Everyone else I knew (who I told about it) was furious for me, “you’ve just bought a house” they all said. I’ve been with my job for 11 years, I’m not an egotistical person at all – completely the opposite – totally selfless, but I’m good at what I do, and I’m important to the business.

Three board meetings later (and three months later), they had no idea what they were doing in terms of closing the office down. Two weeks ago after phoning the chair of the board to find out what they were doing, we made some small progress. Now, they tell me that I will be kept on in the new year, I know there will be three months minimum of work for me to do. But I’m the only person being kept on, so will be working on my own. I’ve told them I want a minimum of a 3 month contract and a pay rise to stay on.

I’m due a nice redundancy payment next week which would be the equivalent of 3 to 4 months pay, plus my actual pay for December. And if I’m kept on for the 3 month minimum I want then I’m quite happy with that. Combine that with the house, which I’m really happy with, there’s only one thing left to make 2017 my perfect year. I won’t say what it is, but it may or may not happen before Christmas (Edit - it didn’t happen). But, I’m quite superstitious so I don’t want to say anything is perfect. It’s always “alright”. But right now I feel like I’m being asked to pick a man of the match in a football match and it’s only the 85th minute.

Anyway, that’s my 2017.

No albums, although I would recommend the Queens of the Stone Age “Villains” album. But if you know me, then you knew I’d say that. No mystique with my music tastes I’m afraid.

[twogaysandahalflesbian-blog]

Another Day in the Life

So, do you all ever think about how lucky we are to have the people we have in our lives, actually in our lives. I’ll admit that some days, i just want to punch them in the face and say sorry. I’m not sorry. But thats what makes us friends. If i didn't want to punch them in the face some days i would seriously be re-considering our friendship. They challenge me as a person and i feel like as friends, thats what they should do. As our friendship grows we learn more about each-other and grow together as individuals. We work together when things get tough and then we keep powering through even the worst days. 

The way i look at life, everyday is a new adventure. Some days just aren't as adventurous as others. In fact they’re just plain boring. But not every day. Today i woke up at about 3:30 pm (which is fairly early for me because i’m on the night shift at work) anyhow i managed to get things done to day. I cleaned my apartment and organized some stuff that i had messed up from when i moved back in August. Things still are not quite all the way there yet, but thats fine, i don’t need things to be insanely organized. Looking back on today, it has been a pretty good day. 

Constantly maintaining a work and personal life balance is a lot of work for normal people who work 9-5. But when you work 7-3:30 AM things tend to get a little interesting. I mean, i live with my best friend who i will refer to as the Half-Lesbian or L for short. I usually get home from work around four am and thats on a good day. I got to bed at around eight am and then sleep until five. Then i wake up to an empty bed because my boyfriend who i will refer to as M had to go to work or school. At that time L is usually at work or busy napping. So i don’t see M or L a lot throughout the week. 

Today when L got off work from the club, we talked about our days and about i feel accomplished because i got something done that i have needed to do for a long time. L had a shitty day at work because she feels like one of the guests from the club is out to get her. I don’t mean like to kidnap or something, but rather out to get her fired. This guest is totally rude and thinks that they can have what ever they want if they scream loud enough. Some times when i see someone throwing a fit in a store, i think that people must feel entitled as a person. I imagine that as a child with a rattle throwing a fit and shaking a rattle middle aged women throw a fit and shake their bags, they trade in the rattle for something with a little more power. 

So tonight we decided to go to a movie, L and i sat on the couch and watched probably 5-6 trailers. Finally we narrowed down the choice to either Kingsman or Mother!. We waited for M to get home before we decided. I think L really wanted to see Kingsman because as she put it “Taron Egerton makes her squirm.” Not quite sure this gay wants to know that that means. It must mean that he is really attractive and he does things the the downstairs. But when M got home we decided that we should go get Mexican food and then go see Mother!. 

We went out and got some Mexican food at a restaurant that i call El Puta. I call it this because that is what the name sounds like to me. But they have what i consider mediocre Mexican food. I mean its not that bad, but when i go to a restaurant, i don’t got only to eat, but i go for the environment and then to eat. This place just doesn't give me a great vibe. But anyway the salsa tasted like canned tomatoes and everything was just really bland. Sorry M&L. I know this is your favorite Mexican restaurant in the city but, to me it sucks. Anyway the food wasn't as bad as the last time i ate there when i didn't get what i ordered. I feel bad for complaining but shit, just get my order right. 

So we all went to the theater to see Mother!. But before we go there, of course we go to Target to stock up on some cheap candy rather than buying it at the movies. Thank god we have L because if i would have smuggled that candy in myself. As L so gracefully put it people would be saying, “is that a Toblerone in your pocket are you just happy to see me.” The answer is there is a Toblerone in my pocket.. Oops, sorry Regal, but yo shit is expensive. I say as i paid $15.75 for a soda and popcorn. 

Anyway so we watch Mother! and i have to say that Jennifer Lawrence is stunning as usual and gave a fantastic performance. However weird that movie was. The movie really does make you think and look beyond what is going on in the movie and pick up the hints and place them all together. I have to say that this movie made us talk and think about the underlying meaning of this than i would like to admit. In fact i’m still thinking about how involved i am with this movie. The theme we picked up with the movie is a biblical theme, which is weird because L& I are both Atheists. You wouldn't expect Atheists to have this much knowledge about the bible, however we do. 

So we all get back to L&I’s apartment and we sit and discuss the movie and then end up watching Lady Gaga’s carpool karaoke video. Which if you have not seen it yet, it is fantastic. This pretty much sums up my day, now i’m just sitting here, on my day off, eating my Toblerone, while the rest of America sleeps. I know that this is just the starting place with my career at this company, it will help me in the long run. But it is a really lonely existence. I get to see all my friends out having fun at night while i’m stuck at the office on a conference call with China. Things are looking up, i finally got a day shift at work last week and ill start in mid November. So things will improve by then. But for now i sleep, i work, i type, and i hope that things will all turn out okay.

Signing off 

-B

1

[renegade-is-in-my-blood]

Traveling in 2020 is challenging as hell. I had my share of failed travels this year I already told you about in my Travel Cancellation after Cancellation. Safe to say I was super anxious for my next trip, me and my friends were planing for some time- Vacation in Greece. Seven girls in Greece sound like one hell of a ride but oh boy I had no idea what kind of journey it would turn out to be.

COVID cases in Europe increases whilst peoples fear of COVID decreases.

Restrictions change so fast I can’t keep up. In times like this, it’s almost impossible to plan in advance as I learned the hard way. Back in April when we were booking our vacation we were optimistic. For sure corona would be over by the summer. Yeah, sure.

It started back in the first European corona peak times when the flight tickets dropped astronomically. My “let’s travel somewhere” friends group chat started sharing amazing plane tickets with the sole goal of traveling somewhere this year. Wherever.

One thing lead to another and we were buying an august ticket to Thessaloniki for 18 euros each.

We were deciding between 7 or 5 days vacation but as I already had plans that would interfere with my vacation we set for 5 days in Greece. Shortly after that, we booked a hipstery looking apartment in Thessaloniki through Airbnb and everything was set.

There were four of us.

As the time went by and we shared the cheap deal with our friends and our group grew.

A friend brought a friend she brought her sister and another friend brought another friend and then another but she couldn’t get the ticket so in the end there were 7 of us.

We simply wouldn’t fit our first apartment in Thessaloniki so we looked for another one. After a short research, we realized Thessaloniki doesn’t have a beach and we would need to travel for that every day so we looked for different places. Surely, the parties would be better in the city but as the time progressed and corona progressed too, it was easy to predict the clubs won’t be open anyway. We decided to look for a place closer to the beach and get into the digging.

Can you imagine seven 24 years old women agreeing on something?

Yes exactly. But to be fair I was expecting big fights, broken friendships, and at least one of us to back out of it and none of that happened.

But it wasn’t easy. There were so many options and we tried to be democratic and vote on our favorite but even after score 5 to 2 on an apartment, the losing site refused to adapt. So we said fuck it and started again from scratch.

A couple of weeks till our due date and a few late-night talks and calls, we found an amazing apartment for 7 people in Nea Kallikratia. We found nicely looking ONLY ONE APARTMENT on booking, but trust me it looked much better in real life. New apartments, close to the beach, and for 10 euros a night. I still can’t believe that incredible deal.

So the flight and accommodation in Greece for a total of 60 euros.

If you choose to travel in 2020 you got to count on some restrictions.

I’m not talking about just a face mask. That’s a new standard we got to get used to.

You got to follow up with the restrictions of your own country upon your arrival back, the restrictions of the countries you’re possibly passing through and the restrictions of the country of your final destination.

It’s quite a challenge but oh my god how I love a good challenge.

Every time I travel, and that’s quite a lot. I do a throughout research on my planned destination. Tripadvisor and travel blogs are an incredible help. This time I added the ministry of health Greece, Slovakia, Czech, and Austria to the list of my most visited sites.

I’m a Slovak but I live in Czech and I fly from Austria to Greece.

Let me tell you there was a lot of digging the internet on how to actually manage this trip.

But the bigger the challenge the better the reward.

4 of us traveled from Slovakia and 3 of us from Prague and it was quite funny to see the restrictions change upon crossing the borders.

Me and my friends took the train from Prague to Vienna. At that time the face masks were mandatory only in a subway and health care so for our whole train ride we didn’t need to have a face mask.

We accidentally bought the tickets to the silent compartment and we got sushed several times for talking too loudly. It felt like being back in school. The train ride took forever.

Once we crossed the Austrian borders and got off in Vienna we needed to put the mask on and kept it on until we got to our apartment in Greece.

The most important fact was that Greece was still open for tourists and there were no mandatory quarantine or negative tests required on our arrival back. At the time we were traveling at least.

Greece was open but each visitor had to register their travel at a website and the Greece government assigned each visitor a QR code. Each visitor then had to show this code at the airport upon arrival to Greece. Each code had a specific set of numbers that would determine whether you’re assigned to have a random COVID test or you’re free to continue with your trip.

It was super important to fill out the form just right because even the slightest mistake in your form could end your journey at the airport before you even began.

I checked out a lot of bloggers and we even had several friends already in Greece who provide us with first-hand information about new Greece.

Flight attendants check your code and your form before boarding the plane. If something is incorrect you’re not allowed to board. No kidding but when our friend flew to Greece 2 weeks before us the flight company refused boarding to like half of the passengers.

I swear to god I was never as nervous as I was while filling out that form.

Our group filled it out together so we would help each other out while doing it but still, we were a group of young people, we speak English and can work the computer well and we still struggled with some parts of the form. I can’t imagine a non-English speaker or someone who’s not so much of an IT kind of guy to work this form. There is no way my grandmum could fill it out or even know what a QR code is.

The form was in English and it required simple things like your name, address, passport, or flight number. Flight number was the most common mistake people made cuz they put reservation numbers instead of the flight number. Then you put regular emergency contact and the address of your hotel or apartment.  This one was quite challenging as we had the address in greek only and the form won’t accept any other language but English, but in the end, we figured it out. Another thing you put in is a family member or a non-family member you’re traveling with. And lastly the country you visited in the last 14 days and you send it to the Greece government.

You need to fill it our at least 48 hours before your flight and you get your own QR code at midnight of your travel. From what we heard and now I can confirm it, the only important thing from the code is the first number. For example, each person whose code starts with a number 2 goes to the test and the number changes regularly.

The worst thing is the anticipation.

You don’t get the code until the day of your travel and you don’t know if you’re the chosen one until you get off the plane and a guy tells you you’re the chosen one.

The incredible thing is that all of the tests are paid by Greece government.

You get tested by a throat swipe and you know the results within 24 hours. If you’re negative you’re free to continue with your trip. But if you’re positive you get contacted by the authorities, transferred to a different hotel, required to stay in Greece in quarantine for 14 days with all of the expenses paid by the Greece government. It sounds so awesome except for the part when you have COVID.

The set of nervous chain only began when I send my form.

What if I get randomly tested? I heard the testing is horrible. What if I’m positive? I’m feeling good but what if I’m the only one tested from our group? What would the rest of the group do? I can take only a backpack to the plane but what if I need to stay there for 14 days? What would I wear or eat for 2 weeks? What do I pack with me? Do I pack for a possible quarantine or a regular 5 days chill on the beach? What if my QR code is wrong? Hell, what if I won’t get a code at all? What if I get infected there? Is it really worth it?

To answer the last question- yes, yes it is.

It was stressful and so much work but I would do it again and again for one simple reason.

To get away from the dull monochromatic pattern of the recent days, to getaways from the constant bad news of this hell of a year and simply just to feel something else.

To feel the rush.

Plus traveling is the best and Greece is beautiful and even though I visited it before I would do it again and again.

Important is to travel safely.

I had a full bag of face masks, nano masks, respirators, gloves, disinfection gels, and more. It also matters what’s your normal standard.

Our group consider of mostly pharmacists and even one bioanalytic actually testing COVID. For me, it is normal to wear a face mask 12 hours a day, clean my hand regularly, and just generally keeping myself safe cuz I work with sick people every day.

I never felt threatened throughout my whole travel because everyone at the airport was accepting and obeying the rules without a fuss. Everyone there was aware of how important it is to keep yourself and each other safe in order to continue traveling the world again.

I’m in way bigger danger by every Karen that simply won’t put her mask on because it’s hard to breathe and she has her rights, or every Kevin who studied the school of life and corona is a scam created to chip us.

At midnight of your trip, we all got our QR code and luckily all of our 7 codes started off with the same number- 7. I’m not gonna lie, I was relieved cuz I was sure we won’t get tested. I thought they simply wouldn’t test 7 girls at once. We were too big of a group for that.

So we arrived at the Vienna airport.

Even though I flew just as the corona hit Europe in February it felt like I haven’t been at the airport for years. Maybe because I believed it would take so long till I’ll be able to enjoy simple things like flying, but I was excited like I never flew before.

Let’s move to the restrictions at the Vienna airport.

Masks are mandatory. Nothing new. From what I saw everyone was wearing a face mask and actually wearing it correctly and not under the nose like most of the people.

I thought we would get our temperature checked at least but that didn’t happen. Also, we had to fill out a form stating we’re not stopping anywhere in Vienna but the airport but no one collected that form from us.

Disinfection everywhere but the social distancing was non-existing. How could you when all of the flights take off from the same gate so all of the passengers are squished in one part of the airport.

We flew with RyanAir company and it was great. The plane was like a half-full. Each of us sat alone or by two in a row and I didn’t see one row full, usually occupied by one passenger.

Flight attendant reminded us that we need to keep the mask on for the whole duration of the flight except for eating or drinking.

I don’t know why but I found it quite funny that the flight attendants had to adapt to the situation and remind people, that in case of a crash or in case you need to use an oxygen mask, please take off your face mask off first.

One of us sat in the first row and chatted with the flight attendants and found our what numbers are being picked for the test today.

You guessed it correctly it was number 7.

The stress of OK it’s happening rushed over me, but you know, spending 14 days in Greece is not the worst that could happen. At least I’m gonna know for sure if I have COVID or not. And for free.

When we stepped out of the bus that took us from our plane to the hall we were met with several soldiers or policemen, I’m not sure what their status was. Each passage had its code in hand on either paper or a phone like we did.

Once the policemen checked mine he just pointed out to the testing line.

The testing area was just a part of a hall divided by a sheet and a long line of people waiting to be tested.

The only positive thing was that we were all in it together.

All seven of us were waiting in line to get out throats swiped.

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There were 3 dudes in protective gear sitting in chairs swiping the throats all day.

When it was my turn I went to the one that was currently free and sat next to him. I showed him my QR code and he scanned it and checked it on his device. He said my name, which I confirmed. Then he scanned the testing tubes QR code to pair it up with my form. He opened up the tube and picked up a long stick, looked me in the eye, and told me to open up.

I took down my mask and opened up my mouth.

He started shimmering the stick around my tonsils. Not nice but manageable.

Suddenly he told me to open up more and say “A”. I obeyed and he showed the stick deep down my throat I gaged. The guy chuckled and continue with the very unpleasant swipe of my throat.

It lasted only a couple of seconds but I could feel it in my throat for at least 10 minutes afterward.

When you’re going on an all-girls vacation you’re expecting some sort of licentious action. But getting deepthroated at the airport with an audience by a stranger surprised even me. (I’m joking mum.)

At least 80% of our plane went through the COVID test.

Even kids! We witnessed like a 5 years old kid screaming bloody murder while his father held his mouth open so the dude can swipe his throat.

It was terrible but at least it was not a nose swipe.

We were not given any information on how to proceed next. What to do or how we would get the results. They just let us go.

There were 7 of us.

Beforehand we ordered a taxi that would take us from Thessaloniki airport to the Nea Kallikratia and our apartment what was supposed to be like a 30 min car ride.

We ordered a minivan to fit us all but because of the corona, Greece doesn’t allow more than 4 passengers per car. So we had to adapt to the new situation and order another cab to take all of us to our final destination where we would wait for the result.

I already mentioned that our friends were in Greece 2 weeks before us and they even stayed at the same destination as we did. So upon our arrival, we met up with them and they showed us the best beaches and best bars Nea Kallikratia has to offer.

Our friends didn’t get tested but their parents did and never get that actual result.

It’s either a positive result or nothing.

So if you won’t get contacted by Greece government by the next 24 hours that means you’re negative.

If you do get a call then good luck.

I have never been as anxious while looking on my phone as I was the next day.

Each time I picked it up I was dreading I would see a missed call or a text message. Once the long 24 hours were over we realized we were all negative.

No COVID for me.

Getting to Greece was a long and interesting journey just as the stay in Greece itself. More on that next time.

How I got tested for COVID on Vacation in Greece Traveling in 2020 is challenging as hell. I had my share of failed travels this year I already told you about in my 

[ecotone99]

[RF] Lovebug

LOVEBUG by Brandon Haffner

I’d been huffing model airplane glue for two years before I met Beef Gilbert, but he was the first person to make me feel stupid for it. The few friends I had couldn’t be counted on to look out for me; they could hardly look out for themselves. Those poor teachers at Woodland Acres Middle had bigger messes to clean up. And Mama—she was clueless. Too busy watching Golden Girls or The Price is Right or The Twilight Zone—didn’t matter what it was as long as it buzzed bright on that box of hers—and I couldn’t blame her, because Pops died in a freak accident when I was six, so she was all alone with me. This was another thing drew me and Beef together. His pops was dead, too.

By all accounts, Beef Gilbert was a maniac. He showed up at our school in August of 1987 and soon became known as “the kid who cut that cow open.” Like, if you were to see him for the first time, from afar, you might nudge the person next to you and ask: “Hey—is that the kid who cut that cow open?” Hence the name: Beef.

Around school he roamed the halls alone. Ate lunch by himself at one of those corner tables by the stage where the lighting wasn’t very good. He liked to remind people, loudly and half-grinning, that his mom worked at Wal-Mart and that he lived in a trailer park south of Jacinto City. Word spread that you could get him to do almost anything if you paid him enough.

I was on my second detention when I met him. Early September, the last breaths of stinky, sweltering Texas summer pouring in through broken window seals and cracked concrete. The air conditioning couldn’t keep up. During every lesson—x and y and z axes, power paragraphs, Ulysses S. Grant—we were melting.

I was fourteen and the only girl in detention that day. He was fifteen—he’d been held back a year at his old Houston school—tall for his age, slick blond hair, sweaty, and fat. His breath was a gargling wheeze. His too-big Teenage Mutant Ninja Turtles t-shirt sagged off him. His square, thick-rimmed glasses were the kind you’d find on a ninety-year-old man.

He sat surrounded by empty seats. The other kids huddled in the corners to sleep or draw or read comics. Beef was flipping through a porno mag. No effort to disguise the naked woman on the cover. I glanced at our detention monitor, Mr. Briggs, who was young and nervous, and my guess was, being a fresh fish, he didn’t want to bother with this notorious big boy.

If you asked me back then why I, a somewhat self-respecting girl standing on a fragile reputation built from hard-edged coolness and occasional witty jabs, sat next to Beef Gilbert that day, I would have shrugged and said I was bored out of my skull. Which wouldn’t have been a lie—I thought, as eighth graders do, I’d seen the whole world.

“Heard you cut up a cow or something, over the summer,” I said. “Why’d you do it?”

He put down his porno mag and glared at me. He wore dirty gray sweatpants and I saw under the desk he had a little hard-on.

“Me and that cow had a political disagreement,” he said.

I laughed. Then he laughed.

“Poor cow,” I said, joking now. “Was it still alive when you did it?”

“Check this out,” he said. He flipped the magazine around so I could see. On the page was a naked Asian woman on her hands and knees.

“I see the appeal,” I said.

“I doubt it,” he said. “They even got smut where you’re from?”

“Where I’m from? I live four blocks from City Hall,” I said. “I’m not some rich girl.” I thought about my bedroom the size of a janitor’s closet. Mama’s rusty Cavalier I could hear coming three blocks away. Frozen corn dogs, frozen fish sticks, canned noodle soup—our dinner rotation. Bedroom air conditioner that rattled and hummed all night.

But secretly I was flattered. All any fourteen-year-old girl stuck wearing off-brand clothes and cheap hand-me-down jewelry can hope for is that her sweet style and perfect makeup fool someone into thinking she doesn’t live in a run-down duplex.

Flatly, quickly, as if he’d said it before, he said: “Yeah, you’re not rich, and I’m not a lard-ass.”

I don’t know what it was like at other schools, but at Woodland Acres, teachers used detention on kids the same way I use duct tape to fix broken stuff around my apartment. Skipped a class? Detention. Late to school? Detention. Broke into a locker, tore down a poster, stole a kid’s pack of gum? Detention. Made fun of or disagreed with a teacher? Hit a girl, kissed a boy, spit a spitball, made a paper airplane out of a math test? Brought booze or weed or the wrong kind of glue to school? Didn’t stand up during the Pledge of Allegiance? Detention. Hell, if your parents called enough times to whine about your grades, you could go to detention for getting a D. Which meant some kids, God bless them, got detention just for being dumb.

With Beef and all his strangeness waiting for me, detention became something I looked forward to. Like the bell ringing at 3:15 every day, I could count on him being in that room when I got there. Same porno mag, same circle of empty chairs around him, the other kids keeping clear of his body odor.

“What’re you in for?” we started to ask each other, like new cellmates.

And he’d tell me the story, usually something like, “I threw my apple core at Miss Gracie. Ryan Bishop gave me fifty cents to do it.”

And when he asked what I was in for, I’d say, “Same as always.”

And he’d shake his head and say, “Stuff’ll fry your brain,” followed by, “Check out these titties.”

And I’d say, “You know I see titties every day. In the mirror.”

And he’d peer down at my chest, and when Mr. Briggs wasn’t looking I’d pull my shirt up to my collarbone, just for half a second, to show off how good they looked in my pink bra.

This, more or less, became our routine.

One afternoon in detention, I wrote Beef a note. Mr. Briggs had silenced our conversation with an urgent, pleading glance, and in the silence I stared at my notebook. Usually I would have drawn some crazy thing—a dragon with broken wings, an upside-down truck on fire—but that afternoon I was feeling chatty.

I wrote down some jokes about Mr. Briggs. Scratched some doodles of Mr. Briggs with various classroom objects up his asshole. I added, as a P.S., a suggestion that if Beef were to wear some clothes that fit him, clothes that maybe had been washed recently, he might look better. Not good, not handsome. Just better.

I passed it to him, and he gave me this look: anxious, embarrassed, confused. He seemed more shocked by this piece of paper than by my bra flashes. As he stuffed my neatly folded note into his sweatpants pocket, he coughed and asked, “You going to Ghoulish?”

The Ghoulish Gathering was the Woodland Acres Halloween Dance, the kind of mid-year, low-budget, cafeteria event that attracted only the school’s most desperate and dorky.

“No way in hell,” I said.

“Me neither,” he said.

I continued to write Beef little notes and to receive little notes from him. When he started calling me Lovebug—never in person, only on paper—I returned the affection.

“Dear Lovebug,” we’d start off.

His drawings were faceless stick figures with enormous penises, or terribly drawn motorcycles, or symbols of sports teams. Sometimes he’d draw abstractions, lines and curves and dark spots that had me searching for some deeper meaning. His letters were short and disjointed.

Dear Lovebug, one of them read. I ate like no food this week and am still fat. The universe is unfair. Please stop sniffing glue. It’s gross. One of these days you got to tell me how your dad died.

That was it. No sign off.

About a year before I met Beef, my best friend Mia—who was the type of girl who said “fuck” for no reason and dyed her hair a wacky new color each month and wore rings on all her fingers—walked me over to the gas station one afternoon to buy me my first tube. It felt weird in my hand, hard like a rock, only I could push the sides in a little. Testors brand. “Works the fastest,” Mia said. That same summer she showed me how to stuff tissues into my bra in a way that didn’t look lumpy and I showed her how to cut little slits into the front of her jeans to show off some thigh. “You bad little tease,” I said when she put the jeans back on.

At school I huffed straight from the tube. But at home I used the bag. To get the best high, you squeeze half an inch into the bottom. Place the bag over your mouth and nose. Inhale, exhale. Repeat, repeat, repeat, each breath deeper than the last, and soon you’re riding an escalator up a grassy, flowery hill, above the clouds, and if you’re lucky, it’ll be sunny up there, and if you’re luckier still, you’ll meet Jesus Christ. Boredom was never so beautiful.

Beautiful for about twenty good minutes anyway, and then I’d start finding myself in the bathroom wiping blood from my nose with toilet paper. I started buying tissues at the gas station every time I reloaded my supply.

I started looking for Beef in the halls between classes. One time, I stopped by his locker and asked him about the pictures taped to his door. Mostly cutouts of women in bikinis. A few photos of his Rottweiler.

“His name’s Ass Wipe,” Beef told me.

“Fitting,” I said. “He looks like shit.”

“And this one’s my dead dad.” He pointed to a young-looking, physically fit bald man wearing a collared shirt, clean white dress pants, and shiny dress shoes. He was sitting in a rocking chair, smiling at the camera.

“How’d he die?” I asked.

“Overdose,” Beef said, laughing and wheezing, then coughing. He looked at the photo and pressed his index finger against his dad’s head. “Yeah. He was a dumb bastard.”

And another time by his locker we were playing rock-paper-scissors to see who’d get the last piece of gum in the pack we’d pooled money to buy from Patrick Hutchins last detention. Beef threw paper and I threw rock, so he covered my little fist with his big hand, then said, “I don’t want it,” and handed me the last piece.

“Thanks Beef,” I said, popping the blue stick in my mouth. “What’s your real name anyway?” I asked.

“Dennis,” he said. I’d expected a war to draw it out of him, but he didn’t hesitate. “Dad used to call me Denny.”

“Denny? Like that breakfast place?”

“I told you he was a dumb bastard.”

I was only trying to play along when I said, “Well at least someone’s continuing his legacy.” I even elbowed him in the shoulder and winked big and hard to exaggerate the sarcasm, but I knew as soon as I said it I’d cut some place in him that was dark and bruised.

“Whatever. At least I don’t wear kiddie clothes and a gazillion layers of makeup,” he said, punching his locker shut. “You look like one of those creepy five-year-old pageant girls.”

Normally his lines about my dress weren’t so vicious. More like failed attempts at flattery. This particular year I wore a lot of pink. Pink fingernails, pink T-shirts, pink bobby pins, pink shorts. I even owned a pink watch. I didn’t wear all this at once, of course. Tasteful pink. “Your highlighter shorts are blinding me,” he’d say, or “My little cousin has a Barbie in that same outfit.” He’d gurgle and wheeze and laugh at his own joke and I’d roll my eyes.

But when he crossed the line—“I bet you got a whole dresser full of pretty pink panties,” for instance—I’d make a point, in front of whoever was watching, to demean him.

I’d say, loudly enough for a few bystanders to hear, “Give you two bucks to fall down these stairs,” or “Give you a buck fifty to slap Mr. Briggs on the ass,” or “How about you full-on sprint to each of your classes today, Beef? A quarter per class.”

Sometimes Mia was with us. She would help me find loose change to give him.

“He’s hilarious,” she’d say. “He’s something else.”

He’d do whatever I asked. Every time. Didn’t matter how many people were around to laugh at him, or how much detention it landed him, or how bad his coughing got afterward. He took the money up front. Usually he smiled about it, his dorky sad smile beneath those gigantic glasses. The kid was a walking cartoon character and he knew it. A clown. Almost everyone seemed amused by his act.

Sure, I stood and watched with the rest as he performed. But if anyone had glanced in my direction, they’d have seen how I felt. More than once I caught myself pressing my hands together and shifting my weight from foot to foot, hoping to God the poor idiot didn’t hurt himself.

Now that I think back, it wasn’t nervousness or even guilt. It was much more. It was that sick, stabbing pain in my gut, almost how you feel when your lover betrays you. Disgust. Disbelief. It was that he’d truly do anything. It was that, after a long day of shit grades and nasty looks from teachers and throbbing glue headaches, sometimes all I wanted was detention, his big dorky eyes looking at me and his sweaty notes making me laugh. It was fear that this poor fat boy loved me. It was fear that I could love him.

Tuesday after Labor Day I sat on one of those concrete benches overlooking the school’s brown front lawn, waiting for Mama to pick me up. She was late as always.

I pulled out my notepad and drew gargoyles and princesses. When detention got out, Beef walked through the glass doors and sat next to me.

“You got any pot?” I asked. “I been thinking about trying pot.”

“You know I don’t do any of that shit,” he said. He shook his head for emphasis.

“Just fooling with you,” I said. “Grump.”

We sat. An airplane ripped the sky open. Someone far away pumped some life into a lawnmower.

“When I first heard about you I thought you’d be some tough guy,” I said. “Some brute. A name like Beef. Beef who killed a cow. But I bet you’ve never even seen a cow in your life.”

No response.

“Sorry I missed you today,” I said. “What were you in for this time?”

“Wasn’t my fault. Just some assholes being assholes,” he said. “Like always.”

“You gonna beat them up?”

“Shut up, Emma.”

“I bet you never hurt anything ever.”

“How much?” he asked.

I looked at him.

“How much you want to bet I’ve never hurt a thing? For real,” he said. He was wheezing again.

“You should see a doctor about that chest problem you got,” I said. “Because that shit ain’t normal.”

“How much?” he asked.

“A buck,” I said. “Show me what you got.”

We went behind the school and into the woods, down a long hill on a foot-worn pathway, over a wooden bridge, and across a creek littered with beer cans and cigarette butts and candy wrappers. I’d never been back here before. After twenty minutes, the woods opened up into a green-yellow pasture, a few sun rays spotlighting the place, including, in the distance, an old blue farm house and its grey barn, and, just beyond the barn, the highway coming into the city.

Beef grabbed hold of the low wooden fence in front of us. Just a few feet away, like a joke, was a “No Trespassing” sign, accompanied by a bigger, handwritten sign that read, “I Will Shoot You.”

“Seems taller than it was before,” Beef said, running his hand along the fence. He lifted a heavy pale leg over the wood, made a grunting noise, and landed clumsily on the other side.

Then I climbed over. He watched me.

“Even I’ve got more grace than you,” he said.

I punched his arm. He pretended it hurt.

I followed him away from the house and down near an algae-covered pond. Mosquitoes swarmed.

“Here it is,” he said, pointing down at our feet.

It was so much a part of the earth it was hardly noticeable. But yes, indeed, there was a dead cow, or a pile of dried-up cow parts I should say, in fact not recognizable as a cow at all, except that I knew what I was looking for. There were no flies because the flesh was gone. Just a few bones, dead grass, and a big dark-colored spot on the ground.

“Tell me the truth, Beef,” I said. “You did this?”

“Fuck yeah, I did,” he said. “I’m a murderous cow-killing machine.”

“A true psychopath,” I said.

“A raging psychopath,” he corrected.

“Twenty bucks says you found this cow dead of natural causes.”

He kicked the small pile of fragile bones. Dirt and bone fragments everywhere. The mosquitoes were giving us both hell, and he swatted at them crazily, like each bite was a surprise.

“I like this dance you’re rocking,” I said.

Then he grabbed my wrist hard and he pulled me away from the bones. He led me back to the fence. My wrist started to hurt and my fingers were going numb, so I yanked my arm away.

“What’s your problem?” I asked.

“You don’t have to insult me every second, you know,” he said.

We walked through the woods without talking. The crunching leaves. His labored breathing.

When we got back, Mama’s brown station wagon was waiting for me.

“Want Mama to give you a ride home?” I asked him.

But he ignored me. He sat on the bench, took his glasses off, and set his chin in his hands as we drove away and left him there to wait for whoever.

I spent a lot of time in my room that year. I listened to Blondie and The Clash. I drew two-headed unicorns and tornadoes uprooting neighborhoods and man-eating plants. I threw darts at an old dartboard I’d found in a Pizza Hut trash bin when Mia and me were wandering around town one night looking for stuff to do.

And I talked to Beef on the phone. He was sometimes funny, sometimes stupid, sometimes sweet. But always surprising.

I’d ask, “What are you doing right now?”

And he’d say, “Taking a dump,” or “Training for the Olympics,” or “Waiting for you to come over one of these days so I don’t have to play checkers by myself anymore.”

And I’d make suggestions for the future, like the time I said, “Once you get your license we should go to the Cinemark. You like horror movies?”

“Nah,” he said. “My life’s a horror movie.”

I laughed. One morning later that week, though, I got the sense of what he meant. I found a note in my locker he must have slipped through the little vent:

Dear Lovebug,

Chase who is my asshole step-brother and me and my cousins went to that pond last summer and they gave me a knife and said stab that cow. They didn’t pay me so I said no way. But they got this syringe and stuck me with it. They pushed me down so I wouldn’t get away. They are doing all sorts of drugs all the time with my stepdad so I might have gotten some drugs in me. They said stab that cow or we’ll keep on sticking you. I didn’t do it on purpose.

It could have been my imagination, but that note changed us. I mean, we never spoke about it. I made sure of that. In fact I made sure the word “cow” didn’t even come up in conversation. But this secret, twisted story had an effect. We joked less. Maybe we were nicer to each other. At least until those miserable weeks after Ghoulish.

One late night on the phone, after Mama’d gone to bed, I told Beef how Pops died in a factory fire, and that I hardly had any memory of him, just a flash here or there from some tiny corner of my brain, his image fading more each year.

Beef asked, “Was your dad nice to your mom?”

I was on my knees on my bedroom floor and prepping a huffing bag. I brought the bag to my face and breathed in, breathed out, in, out, in, out.

“Are you doing what I think you’re doing?”

“I don’t remember.”

“Don’t remember what you’re doing?”

“If Pops was nice to Mama. Too young I guess.”

Sometimes our conversations went so deep into the night we’d start to nod off, phones pressed to our ears. One of those nights, I was in bed with my eyes closed and the lights off. A long stretch of silence went by. Beef was breathing slowly, loudly.

“You awake?” I asked.

“No,” he said.

“Me neither.” I said.

The rumbling air conditioner switched off. The crickets in the yard hissed and pulsed. A streetlamp buzzed.

“Why don’t you like your mom?” he asked. “I want to meet her. Decide for myself.”

“She’s lazy. Sits around the house all day. Gets her welfare check and goes straight to happy hour. And she hates me,” I said. “She hates everything. She’ll hate you too.”

“Well your taste in music is pretty terrible. And your drawings. If I were your mom I’d be disturbed by those drawings.”

“I don’t even think she knows I draw.”

“I’d send you to an institution.”

“Wouldn’t surprise me if she did. Get me out of the house.”

“You should show her. Draw something not so gross. I’m being serious. You know, guilt her into putting it on the fridge and shit.”

“It’s a little late for the fridge. I’m not six years old.”

My ear was getting hot, so I switched the phone to the other side.

“She a druggie?” he asked.

I almost laughed. “Mama’s not cool enough to do drugs.”

A long silence.

“Did your pops?”

“Did Pops what?”

“Do drugs,” he said. “You know. Crack. Pills. Meth. Weed. Glue.”

“He drank a little,” I said. “I don’t know.”

I tried to picture Pops. Maybe it wasn’t my memory—maybe it was Mama’s complaining for years after he died that created the picture—but with my eyes closed, my brain all afloat on glue air, I could see Pops with a glass of brown liquor on ice, sitting on the orange couch in the living room, watching MAS*H. That couch was the one our old cat, Juniper, used to piss on, the one Mama and me took sledgehammers to a few years ago. Juniper—I’d almost forgotten about him. Raggedy gray hairball, always hissing at everybody but Mama. If you wanted to find him, you’d just look under that couch—two narrow yellow eyes and a low growl would be there to greet you. Mama loved that cat. Saw herself in him a little bit, I think. Not long after we tossed out the couch pieces, I came home from school to find Mama crying on the floor holding a limp, lifeless Juniper. I can’t say I was too upset about that cat’s passing, but for Mama it was almost like Pops had died all over again.

“Emma?” Beef said. I realized he’d said it several times. I was almost asleep.

“Oh,” I said.

“Goodnight.”

Two weeks before Ghoulish, a tall boy from my lunch table asked me to go with him and I said yes. In detention one afternoon I shamelessly told Beef all about him, hoping, I think, to see the hurt on his face. The boy’s name was Alfredo, he was from San Antonio, and he said corny shit like, “You’ve got a great Emma-gination,” his eyes were starry green, and his hands were that perfect blend of soft but firm on my hip in the lingering moment after a goodbye hug in the hall when he didn’t want to let go just yet.

“Sounds like an asshole,” was all Beef could muster.

But a week later Alfredo either forgot about me or changed his mind because he asked out none other than my Mia, and when I told Beef, he said, “Your Mia? Mia Mullins?” and I said, “That’s the one,” and Beef said, “What’s he thinking? She’s got more acne than you and me combined.”

As we parted ways, surprised to find my hand shaking a little, I handed him a note, which went something like this:

Dear Lovebug,

Have a hot date yet for Ghoulish? If not, want to go with? Don’t get ideas.

He handed me his response in detention that afternoon:

Dear Lovebug,

Hope you break dance cause I’m a champ.

That week on the phone, all he wanted to talk about was the dance. He said things like, “I’m going to bring a bag of sugar in case they play ‘Pour Some Sugar on Me,’” and “I bet you’ve slow danced with like a hundred guys.”

“I want to cut out like halfway through,” I said. And I told him I’d pictured the two of us talking in a corner, not dancing at all, maybe heading back to my room to listen to music and draw and talk, like Mia and me used to do.

“Your mama won’t mind?”

“Have you been listening to anything I’ve ever told you? Mama doesn’t mind anything.”

“Okay, but we gotta slow dance once,” he said.

“No promises.”

“Number one hundred and one, here I come.”

But of course we didn’t get that far.

Mama left me $20 a week. Every Monday morning there was one bill on the kitchen counter. Given that Mama had no job, I always wondered where this money came from. I found out later it came out of Pop’s life insurance. The poor man was funding my glue habit from the grave.

Back in 1987 you could buy a lot with $20. Four or five movie tickets. A new shirt. A Sony Discman. A decent dinner out. A shitload of ice cream.

Or a dozen eight-ounce tubes of Testors.

But the day before Ghoulish, when it came time to resupply, I found the Walgreens completely out. So instead I picked up some paint thinner—I thought I’d heard about one of Mia’s friends using it. Came in a plastic bottle a little taller and narrower than a soda can. I walked home and ran up to my room and stuffed the bottle under my mattress.

Then I went downstairs for dinner; I remember this dinner well. For some reason Mama’d cooked lemon pepper chicken and some type of stuffed pasta with actual dinnerware, not the plastic plates I usually took up to my room. It was the most impressive meal I’d eaten in months. Before sitting down, I asked:

“What’s the special occasion?”

I got this nasty look from her and some response like:

“Does it need to be a special occasion if I want to cook some damn chicken for us?”

“What’s up your ass?”

“If you’re gonna talk like that don’t talk at all.”

“Fine with me.”

We ate the delicious meal in dead silence, save for the smacking of our lips and the clinking of our forks against our plates. When I finished, I went upstairs, locked the door, cranked “Death or Glory,” stuck my hand under my mattress, pulled out the now-warm can, shook it, heard my liquid destiny sloshing around, and took, as they say, the plunge.

Dear Lovebug,

When I wake up to get ready for school in the morning and put my clothes on, I sometimes pretend my clothes are ancient armor. Many, many girls for hundreds or thousands of years have worn this same armor and now it’s mine. It’s all rusty and it’s got some holes because you know it’s so old, but for the most part it’s good trustworthy armor. Now that I write it down this seems dumb. But even though it’s pretend and I know I’m too old to pretend, the armor has got me through lots of mornings when I just didn’t want to go to school. You know what I mean? Do you know what I’m talking about?

Anyway I’m writing this note at the hospital so I won’t be at the Ghoulish and you’re probably not going to get this note in time but I thought I should write it anyway.

Yes, I’m in the hospital for the reason you’re thinking.

I guess that’s all.

Emma

At the bottom of that note was a drawing of my own face, frowning, a tear streaming down one cheek. The finished product—eyes way too big and wide, too many half-erased sketch lines around the edges, crazy hair, pointy nose—looked nothing like me.

As any idiot could tell you, huffing paint thinner isn’t anything like huffing Testors. Less like riding an escalator up through clouds than like riding a train that’s on fire and the cabins are full of smoke and the whole thing is sailing off the tracks down into a ravine and you know it’s just a matter of time before you hit bottom and blow up into smithereens, but until then your stomach is flipping and churning and you feel weightless and terrified at the same time as the whole world rushes past you at terminal velocity or whatever.

The instant I unscrewed the cap, my face a good foot from the bottle, the fumes filled my room. The smell swept me back to those lighter-fluid-drenched junk heaps in the woods. I closed my eyes and took a few deep breaths. I stuck my nose into the opening and took a huge sniff, followed immediately by another huge sniff, figuring I could skip a step—the bottle acted like a bag by way of concentrating and trapping those wonderful toxic fumes.

Who knows why we do these things to ourselves?

Imagine using two mortars to mash up some glass and habanero peppers, then jamming those glass-and-habanero-caked mortars up your nostrils. Even after I yanked my face from the bottle, grabbed a tissue, and began blowing, and even after those bloody chunks started falling out of my nose more thickly and rapidly than the tissues could contain—my khaki shorts and pink carpet were soaked with red by the time I passed out—the inside of my nose burned so bad I was crying.

If my life was a movie, I’d have woken up in the hospital bed. Peaceful and rested, surrounded by “get well” balloons and some doctor giving me a solemn but hopeful look. No such luck for 14-year-old Emma. No, I woke up in the ambulance, where the pain in my nose was still intense and burning. No way my nose survives this, I was thinking. It’s gonna have to be surgically removed. I’m gonna be noseless forever and they’re gonna make fun of me worse than they make fun of Beef.

Added to my nose pain was this unbearable headache, as if I’d banged my head on the ambulance door as they stuffed me in. I couldn’t stop coughing. My heart raged against my chest like a deranged gorilla. I was surrounded by fast-talking, stressed out, overworked strangers.

Other things I remember: Real bumpy ride. Blurry vision. Lights hurt my eyes. Cold as a freezer. Why was the air conditioning up so high in there? Where was Mama? Wet blood slowly drying on my face. Tried to open my mouth to ask for a Tylenol or something, but nothing came out but another painful cough. And no eye contact with the strangers. Not the whole way to the hospital. What I can’t tell you is if I was avoiding their eyes or they were avoiding mine.

After they got me all fixed up with tubes and oxygen, Mama walked in the room. There was no window, and everything was beige. She sat in the chair next to my bed.

Mama folded her hands in her lap and said, “Emma.” She’d been crying. It was obvious. Puffy red cheeks, wet eyes, that permanent frown of hers. Her half-gray,-half-black hair was a mess.

She put her hand on my hand. I was too weak to move it away.

I expected Mama to get up and leave after an hour or so. But I fell asleep, and when I woke up it was morning, and she was still there, asleep in the chair, her head leaning awkwardly on the beige wall. Later on it would dawn on me that this was the longest stretch of time we’d been in the same room together since Pops was alive.

Mama went and got me breakfast from the hospital cafeteria and came back and we ate together in silence.

“Are you depressed?” Mama said when we finished. When our eyes met I realized she’d been spending most of breakfast working up the courage to ask.

“No, Mama.”

“Did some boy hurt you?”

I laughed, then coughed.

“Well then what?” she asked, impatient. “What is it? People don’t do this for no reason.”

“Sure they do,” I said.

The nurse came in, drew my blood, and left.

“She seems nice,” Mama said.

“I don’t like her,” I said, which was a lie.

Mama stayed with me for the next day and a half.

“It’s no trouble,” she kept saying, as if I’d told her she was outdoing herself. “I’ve got nowhere to go.”

They rolled in a TV and we watched whatever Mama wanted to watch. I went in and out of sleep. The doctor told me I was a “perfectly healthy young woman,” but that I wouldn’t be this way much longer if I kept “poisoning my body,” and “brain damage” and “heart damage” and “sudden death” and this and that, and he handed me a pamphlet with the words “FREEDOM FROM ADDICTION” written at the top in all caps, which I threw in the garbage outside the hospital, and which Mama fished out of the garbage and clutched in her lap with her non-steering hand during the drive home and then studied at the kitchen table through her reading glasses for like a gazillion billion hours.

I must have called Beef fifteen times that weekend. On Sunday night, his mama answered the phone. She told me Beef—she called him Dennis—was resting up and wouldn’t be at school for a bit. Then Ass Wipe started barking and she said she had to go.

Mia told me the story at lunch that Monday. Turns out Alfredo had showed up to Ghoulish drunk. Slurring his words, not walking straight. Beef was there searching the crowd for me in his I’m-sure-ridiculous-looking Teenage Mutant Ninja Turtle costume. He found Mia and asked her where I was, and Alfredo, who was standing right there, asked Beef how he could be so stupid as to think I’d actually dance with him. Acted like I’d set the whole thing up as a gag. So Beef plopped down at one of the tables behind the crowd and just sat there like a lonely egg. But when Mia went to the bathroom, Alfredo tracked Beef down, acted all remorseful, told Beef I wasn’t worth getting all depressed over, that I wasn’t even that good a kisser—which is a lie—then offered Beef fifty bucks to sneak behind the cafeteria stage curtain, climb the spiral staircase to the catwalk above the stage, and jump off while hollering, “Cowabunga dude!”

So he did.

The stage exploded as if Beef were a human bomb. Broke his left leg and nearly his hip. But the worst part: this little shard of wood came up and stuck Beef right in the eye. Blood was everywhere. As Mia put it, “Everyone was running around screaming like it was the end of days.”

Monday of next week I finally saw him during my break between Spanish II and study hall. He walked toward me down the hallway on crutches, a black eye patch over his left eye. If I hadn’t heard the story first, I would have figured somebody was paying him a buck or two to act like a disabled pirate. When he came close enough to hear me, I took a risk and made a joke of it. I said, “Ahoy there!” But he didn’t respond. Didn’t even crack a tiny grin. Instead, from his right eye, he shot me this wild glare, kind of like the glare a horse—or a cow—gives you when you walk too close to the fence. Like they’re scared and pissed at the same time.

Then Beef lifted the patch to reveal a mess of purple and black flesh.

“Give me a dollar,” he said, “and I’ll let you touch it.”

I stood there like a dope.

“People been handing me money all day to put their fingers in my eye socket,” he said. He reset the patch. “Some people are so disgusting. Wouldn’t you say, Lovebug?”

I didn’t agree or disagree. I dug around in my rotten brain but the words were buried too deep. And after a few awful seconds, he limped off into the crowd.

At home that evening, in my bedroom, my paint thinner was nowhere to be found. My bed was made, too. And the next Monday morning, there was no $20 bill on the kitchen counter.

Weeks went by. I wound up in detention less and less often. The sweltering summer heat was replaced by breezy windbreaker weather. Beef and I still talked sometimes, in the halls. Not like before, but little stuff, like, “Does Mr. Briggs still pretend those ladies in your magazine aren’t naked?” and “Your mama got a new boyfriend yet?” Stuff like that. Then one day he told me he was moving to Louisiana over winter break to go live with his grandpa. Set to go to some high school in Baton Rouge. He’d already been out to visit.

“Best part is, everyone’s a lard-ass out there,” he said. “Even lard-assier than me. For real. I’m gonna be the hot jock.”

“The Hot Jock Cyclops of Baton Rouge.”

“Don’t push your luck.”

His mama’d had a heart attack or something, he said. Hence the move.

Christmas Eve. In my bedroom. Beef had been gone a week. “Train in Vain” blasting on my stereo. I was wrapping a present, believe it or not, for Mama. A pencil drawing of nothing special. A river, flowing down a canyon, and in the middle of it, this big zig-zaggy tree emerging from the water, branches reaching up toward the sky. It was pretty bad even by my standards—never was much of a nature drawer. Figured I might as well give it away. Plus once I’d finished and stepped back from it, that crazy tree kind of reminded me of her. Weather-beaten and old and strange. The type of tree all the tourists would come to see and snap pictures of while asking impossible-to-answer questions like, “How the hell did it get in the middle of the river in the first place?” and “Why hasn’t it fallen down after all these years?”

When she opened it on Christmas morning she cried so many tears it was like God had opened a bottle of champagne all over our living room. She gave me a hug—our first hug in I don’t know how long—and thanked me over and over. It was a little excessive.

After presents, we sat on the couch. She held my hand while her terrible Christmas music played in the background and we sipped the lukewarm hot chocolate she’d made. As she stared out the living room window—where there was nothing but cold, frosted lawn and a deserted street—she had this odd little smile. Her face was still wet. After a few minutes I cleared my throat, and she stood up and asked if I’d like her to reheat the rest of the hot chocolate. From her eyes I understood she wanted me to say yes.

I thought of a thousand smart responses. “Sure, nothing more delicious than chocolate water garnished with powder clumps,” or “But wouldn’t reheating mean it was once heated?” But when I practiced them in my head, none of my one-liners was the clever little needle I wanted. On this quiet Christmas morning, everything I thought to say was a jackhammer, a chainsaw, a blowtorch. So I gave it up.

Inhale, exhale. Repeat, repeat, repeat.

“Sure, Mama,” I said, handing her my empty pink mug.

Published on May 9, 2019

submitted by /u/pottsofgold [link] [comments] via Blogger https://ift.tt/2Nyg8en

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Phuket is known as one of the popular tourist spot in Thailand. It’s famous for their cheap accommodation, offshore islands, clear water beaches, and many more! But with lots of tourists, there comes many tourists traps you and I may not know of.

We visited Phuket in the mid of 2018, and we had lots of fun there in 4 days. We did quite a number of things, had lots of touring and exploring, and also realized some little traps here and there which we hope to share with you, to help you for your next trip.

PHUKET IS NOT REALLY A SHOPPING HAVEN

But that’s what most Singaporeans or tourists will do anyway. The apparels here are quite affordable, and I’ve seen tourists buying bags of branded clothes, bags, pants, shorts, undies?etc. Ok, the ‘fake’ branded goods.

Though they are so cheap, I can say they are not durable. But anyway, it’s still cheap! However, I wouldn’t recommend this place to be where you would want to do bulk shopping, like buying dozens to clothes to bring back to your home country to sell, or sell them online.

The goods here are quite limited, not in the volume, but in the choices. After walking around few stalls, you’ll realize most goods come from the same supplier, as most stalls are selling almost the same goods.

There are also not many shopping malls around. The only one near where we stay is the Jungceylon Shopping Mall. It is more of an air-conditioned street market. More things to see, but more of the same things :P.

So if you wanna shop, do buy some funky ‘branded’ clothes for your own wear will do. Don’t bother bringing huge luggage over here to shop. If you want to do bulk shopping, then Bangkok is where you want to be at!

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BUT PHUKET IS A HAVEN FOR SERVICES! Yes. We don’t come here and buy lots of stuffs. But we spend a lot on their services! Massage, hairstyling, personal grooming, pedicure, manicure? you’ll find it more affordable than your home town. For us Singaporeans? Definitely!

As you may already know, Thailand is famous for massage. Same for Phuket, you can find massage parlor everywhere. Thai massage? Foot massage? Aroma massage? Oil massage? Hot stone massage? You want it, you have it.

When looking for a massage parlor, make sure it looks clean and air-conditioned too. Because you’ll be there for at least 1 hour.

As for us, when we’re at Phuket, we went to try out as many massage services as we can, as they are really affordable with tip-top professional service. We are glad we found 2 really good ones, and we even went back for 2nd time before we fly off.

Ladies, looking to get your nails polished? Get it done here also. Even at an affordable rate, their services are first class.

And when the ladies polish their nails, what do the guys do?

You can go for foot massage! Even better, they have Wifi for you to access. Let them knead your aching muscles, and you go and surf?Facebook!

And If you had enough of thai massage, you can try letting these small fishes massage you.

Will it be comfortable? Will it be itchy? Will I feel better?

Try it and you know!

THERE ARE MORE INTERNATIONAL FOOD THAN THAI FOOD AT PHUKET!

Thailand is famous for its thai cuisine, but I can say Phuket is not known so much for its food. You can still find thai food here and there, but don’t expect too much from it.

On the other hand, you’ll find more international cuisine that Thai food there. Japanese, Korean, Lebanese, Turkish, Persian, Chinese? you find more of those restaurants than Thai ones!

But, you can still find Thai food. You really have to take effort to find, because they are not that common on the streets. How ironic!

Here’s some thai food we tried, and kind of like it!

Pad Thai

Tom Yam

Green Curry

Thai Pancake?

If you’re starving from a day of tour and you want to have a satisfying meal, then thai food may not be enough for you. I recommend you to eat at this Sushi buffet at Jungceylon shopping mall.

All you can eat within 1 hour 15 minutes. They have this clock to time you. If you stay too long, you may get charged. But I can tell you, 30 minutes of constant eating may be enough for you.

TRAVEL DURING NON-RAINY SEASON

When we book for our Phuket trip to be in June, we didn’t think much about weather forecast. After all, the last few times I’ve been to Thailand, there’s no rain. No Rain. Not even drizzle.

But when we were in Phuket, there’s no only rain, but constant rain for hours, from morning to night. You can imagine how much of our trip is be affected. Some roads had ponding, and cars couldn’t pass through easily.

The strong winds at sea almost forced us to abandon all our island hopping plans.

Luckily it was just 2 days of rain.

Hence, if you want to travel to Phuket, the best time is during December through March, where the weather isn’t so humid, and there’s cool breeze to keep you comfortable. Temperatures around 75F to 89F (24C to 32C).

The hottest time in Phuket would be from April to May, with temperatures ranking from 80F to 95 F (27C to 36C).

June, July, August tend to be the period where there’s heavy showers but sunshine in between (which is what we experienced!). September to October is then the rainy season.

BOOK THE RIGHT HOTEL As Phuket is much a tourist haven, I see more tourists from all over the world along the streets than their local Thais. That’s why you’ll find really many hotels in Phuket.

With so many hotels there, you can get a relatively good hotel at a low price. For our trip, we stayed at Patong Terrace Beach Boutique Hotel. It’s not those kind of big hotels with huge lobby and swimming pool. But it’s a simple B&B (Bed & Breakfast) accommodation.

It’s only a 3-storey hotel sandwiched between shophouses. So it’s not obvious when you first see it.

For the price we pay for, I have to give 5 Star for it! We paid S$35 per night?via online booking, and we were very happy about it. It’s very convenient, as you’re footsteps from everything in Phuket. It’s right at the central where the buzz of Patong is.

Bangla Road, where all the bars, clubs and Tiger shows are, is just a junction away. The Patong Beach, Jungceylon Shopping Mall, and all the street stalls and night market are just around the hotel.

Why service is excellent? On our last day, we are supposed to have a one full day island tour, then depart for hotel at night. We have to check out early morning, and that means we won?t have a bathroom to bathe after our island tour. However, when we returned after the tour, the staff allowed us to do a wash-up in their lobby toilet, which is very much like 5 star toilet, and provide us with soap and towels.

I?ll never hesitate to book this hotel again. We chatted with the boss, who is also an angmoh (Caucasian) who moved here many years ago to start his hotel business. A friendly guy, and makes you feel welcomed.

Of course, there are many more hotels at Patong, but some are not located as convenient as they said they are. When booking online, they would describe themselves as ?close to all the buzz?, but some are really FAR away. We saw it ourselves when we pass by a hotel we originally thought of booking. Fortunately, we give that a miss, as it was nowhere near any buzz.

If you were to book a hotel there, check out their price at Agoda, Booking.com or other booking services, and read tourist reviews at Tripadvisor or somewhere else before finally booking them. Do ask your friends also.

For more accommodation options, you may check out this blog by HotelsCombined on Where to Stay in Phuket: The Complete Guide.

BOOK LOCAL TOURS IN PHUKET ITSELF, NOT?IN YOUR HOME COUNTRY, NOT EVEN FROM GROUPON!

This is one of the important things I have learned from this trip. We know Phuket is famous for its island tours, where it will bring you to various island for sight-seeing or water activities. These 1 day island tours are very attractive too, and many tourists would love it.

Before our trip, we saw a Deal.com.sg deal for a 1 day island tour to 4 islands (Koh Phi Phi, Maya Island Bamboo Island & 1 more) via Speedboat and with lunch provided for $58/pax. This price is also after almost 50% discount from its original price. I did some research online to compare other island tour and their prices, and I conclude that this Deal.com.sg deal is a better deal.

So we bought it.

We went for the island tour and we were very happy with the whole tour, the fun, the tour guide etc. However, we also realized that we can go for this same trip at a much lower price! How we know? Just talk to the people (other tourists) on the speedboat. Everybody paid different price for the same tour. Of course, there are also people who will pay more than us.

So is that $58 deal a steal, or is it just a package with price jacked up by 200% then bring it down to call it a deal? Anyway, I?m thankful I learned something new! If I were to visit Phuket again, I won?t book any local tours online (online prices are jacked up too!) or in Singapore. You just have to go there(Phuket), and there are many local tour agencies for you to choose and you can pick the best tour at the best price you want.

And I have to share an encounter I have with a Canadian tourist on the same island tour as us.

He?s the one who told me that I paid to much for the same tour he bought. Thanks to him, or I?m still in the dark. He managed to buy the same tour package as me at half of what I pay. And as I said earlier, I was at first still happy when the salesperson gave me some discount which I thought I was not entitled for.

I paid $1800 Baht per pax and I thought I got a good deal, until?he told me he paid only $900 baht. Wow.

For that particular tour, we sat on a big boat, which is even cheaper. A tour with Speed boat will cost slightly more. So now you see, how much higher the salesperson there have jacked up the prices and paste them on the brochures. Imagine how many more more full body massage you can go with the money you save from bargaining.

And the funny thing is, this Canadian guy told me ?You?re from Asia! You should have bargained more!?

I don?t know about you, but I always heard people say westerners (ang moh) don?t like to bargain because it?s their culture they don?t like to bargain. And here I have an ang moh who can bargain much much better than me. And he even teach me how to bargain next time.

And you know what? We talked so much, but didn?t know each other?s name!

Update Jan 2017: My friends have updated me that although?you can book the island tours when you’re at Phuket itself, it is risky because there may not be slots or availability for you, and all island tours may be fully booked, leaving you empty-handed when you are there.

Hence, you can still try your luck to book your tours when you reach Phuket, or you can book your tours online and you can get guaranteed ?your seats in those island tours. Viator is a world famous local tour booking website and I can say your booking will be safe with them. (Afterall, you don’t want headaches when you are at Phuket. Like you, we just want all the fun!)

PRIVATE TAXIS OF PHUKET

Phuket is a place where you can’t find any public transport. To get out of the airport, you either rent a car, or get in a taxi. How about traveling from places to places in Phuket?

You can either hop into a TukTuk, or into a private taxi. If you’ve been to anywhere in Thailand, you’d have seen a TukTuk before, a vehicle which is driven by a bike in front, and ferry passengers at the back.

You can hop on one for an experience, but the TukTuk drivers, having seen too many tourists in Phuket, know how to rip you off!

What about a private car? I don’t think I saw any taxi there, but I saw many private ‘taxi’. In Phuket, it seems like anyone can become a taxi driver if you have a car. Just take a cardboard, write Taxi, put inside your car, and you have a taxi.

I was initially afraid of this type of ‘private taxi’ service, because I don’t know where they will bring me to. Will they drive me to my destination, or THEIR destination?

But because on our 2nd day tour of Phuket, we wanted to travel out of Patong area to Phuket Town and it was raining heavily. A (doorless) TukTuk won’t suffice because we would be drenched.

Then this ‘taxi’ uncle waved to me to get into his ‘taxi’. He quoted us his price, but I bargained with him until he rejected us. His face is kinda black. So I know I have gone too low. We told him we will find another ‘taxi’.

After 10-15 mins, there’s no other taxi in sight. Then we went back to him again and gave him our price (slightly higher than our previous low). He said okay, and off we go! And when we went with him, he didn’t hold the grudge that I just now tried to force his price drastically down. He just treats me like his new passenger.

In the end, he ended up being our driver for the whole of our trips. On his last day, we also took his car to the airport. We met him, but its his employee who is the driver. At that point, we realized he also hires other drivers to drive under him. Smart guy.

Hence, if you’d want to travel around Phuket, you can consider getting into a ‘private taxi’, know the driver, and engage him as your driver for the few days you are in Phuket. Because you give him business for that few days, you can negotiate with him a better rate.

Want an even better ride?

Try Uber in Phuket! Uber is a global app that allows?you to book private car drivers, just like normal taxis. Uber is everywhere, it is probably in your home country too. When you visit Phuket you can use it too!

Just login to the app and book your trip around Phuket. The Uber fees is likely to be a lot less than taxis or tuktuk there.

Downside? The number of Uber drivers there might be less than the taxis or tuktuk. Hence, demand is greater than supply. You might need a bit of luck to get hold of a Uber driver there.

And so, those are the 7 things that you have to know before you travel to Phuket! Hope these tips help you enjoy your Phuket trip!

Of course, how can we end this post without sharing some of the island tours we went to?

There you go!

The big boats that bring us around.

At James Bond Island. James Bond had?this scene in his movie, and this island became famous overnight.

And then we have a?guide who brings photography to a whole new level.

And I think our boatman has an uncanny resemblance of Bruno Mars.

So we entered this cave, which they say has diamond crystals.

See any diamonds?

I think there is, but we can’t find any, so we paddle out.

As we paddle, we also saw some bird nest caves. That’s bird nests of swallows are harvested and sold to us humans as?delicacies.

Then the boat brought us to a small island with lots of monkeys. We don’t know what we’re supposed to do there. So we just keep feeding the monkeys.

And of course took pictures of them.

And their little ones.

As part of the tour, we also tried snorkeling. We were brought to somewhere 3m deep. We dived in, and saw fishes swimming around us. To get the fish to swim to you? Dive in with some bread.

On the speedboat. Phi Phi Island.

That’s how clear the water is!

The bamboo island. This island has nothing, other than fantastically clean beaches. You can just lie there, let the waves hit you, and let yourself bake under the sun. That’s what we did anyway.

Want to find out more about Phuket? Here’s an article by my fellow traveller friend, Jan, on the Top 25 Things To Do In Phuket!

Bonus: The Famous Tourist Trap of Phuket

Since you’ve read till here, I thought I should share a little more about an unpleasant incident that happened to us in Phuket. Phuket is famous for its nightlife at the Patong area.

If you walk around, you will see clubs and bars open their doors wide, with scantily-clad ladies dancing on table tops. If you’re new to this, then it may be an eye-opener for you!

But that’s not all. Walking around, you will also see men and women peddling with menus, inviting you to “Ping Pong” shows. Ping Pong shows is famous in Thailand only. You can find them in Bangkok too.

But what exactly is a Ping Pong show? Playing table tennis balls? A magician show doing tricks with ping pong balls?

Nah.

By the way, here’s one menu you can find:

Seen the menu? Yes, those shows are for adults only.

In every show, you will see ladies (or ladyboys) doing amazing tricks and stuns with their private part. You have to see it to believe the amazing things it can do: like lighting a cigarette, shooting an arrow and more.

How much for the show?

Look at the menu?- ‘Free Show Only Buy Drink’ only.

That was what we thought too! Just buy a drink, and you can enjoy the amazing show! Read on to find out what happened.

We told the man we are interested, and right away, he led us the way into the club.?The place where the real performance took place seems very discreet. We have to walk through a door, through?an empty room, and through another door, through an empty room, and a final door again.

We are not sure why this place is sooooo secretive that we have to walk so deep into the bar just to watch the show. Okay… maybe its an adult show, that’s why.? And finally, we were inside the real bar with the Ping Pong Show. It’s kind of dark (as expected), with a few ladies (or ladyboys) on stage preparing for next show. There were a few Caucasians around us, probably visitors who are curious just like us.

We took our seats and waited for the next show.

And at this time, a waitress came over to show us the drinks menu.

Remember ‘Free Show Only Buy Drink’? We kind of expected that we have to pay for something. But what happens next SHOCK us.

We looked at the menu. The price list is crazy.

The?drinks listed on the menu range from 45 USD to 100 USD.

I re-examine the menu. It is 45 USD to 100 USD. Not Thai Baht!?

And guess what is the cheapest drink at 45 USD?

A glass of coke.

Wow… I didn’t expect I have to pay so much for a drink to watch a show which we’re just curious about.

That price is just too much for us to pay for. We tried to bargain..

“Can both of us share 1 glass of coke?”

They said No. 1 person has to buy a drink.

At that point, I did my math. I realized it is not worth it to pay so much (US$90 for both of us) for 2 glass of cokes, and ladyboys performing weird tricks with their p****. We rather pay US$90 for more sessions of thai massages.

So after about 7 mins of ‘negotiations’, we told the waitress we are leaving.

At that point of time, another waiter came over to?convince us to stay. He even said we can just buy 1 glass of coke. (I thought we can’t earlier?). But we insisted we want to leave. But both of them still tried to hold us back and keep convincing us ‘the show is about to start!’, and he will even give us discounts on the drinks.

We don’t feel comfortable staying any longer and somehow felt that they are trying to prevent us from leaving. Don’t forget, we are tourists, and we just walked through 3 doors to the bar. We are totally unfamiliar with that place!

That was when I stopped talking, and started walking out. The waiter continued to follow us on our way out and hope that we would change our minds and turn back. But after opening 3 doors and walking through 3 rooms, we are out of that bar.

Wow. What an ‘experience’!

We’re not sure about you. You may want to explore this when you’re in Phuket. Just be careful. At least, now you know the price of the coke you have to pay for the ‘Free’ show!

Return from 7 Things to know before you travel to Phuket to Travel Asia Yourself

Return to Travel Yourself Today Home

7 Things To Know Before You Travel To Phuket Phuket is known as one of the popular tourist spot in Thailand. It’s famous for their cheap accommodation, offshore islands, clear water beaches, and many more!

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I am a film major, a student and very involved in different projects. I decided to open my own film company a sole proprietorship, meaning I DBA (Do Business As). I am looking for liability insurance for my business for wedding and events. They asked me if I was doing any other type of work currently. My reponse was that yes I am involved in being cameraman for one project and editor for another. I have not signed a contract or getting paid for any of these projects, simply volunteer. They came back stating that if they were to insurance me, I as an invidividual would no longer be able to be part of any project or post anything of my personal stuff on youtube. I understand that they are trying to protect themselves and that they are insuring me personally I guess since its a DBA. Has anyone else come upon this problem? I see many videographer put their stuff up on vimeo, youtube etc.""

How do I get secondary health insurance?

I'm a full time graduate student currently receiving health insurance through my parents. However, my coverage sucks and I would like to purchase secondary insurance. I looked through all the different plans on einsurance.com (united, humana atena, etc), but when I called they told me that I can't purchase it when I already have insurance. I did some searches for secondary health insurance, but I can't find companies specifically for secondary insurance. It seems that I should be able to purchase any type of insurance I want and that the secondary company should pick up some of what my primary doesn't. Right?""

Can I get Car Insurance on my own?

I'm 17 and ive had my license and been insured since 5-3-2013. But my parents are cancelling me off of their insurance because they found a pistol grip in my truck and are convinced im some type of thug gangster when in reality i was at a friends house helping them clean his dads gun and i guess they had just left it in their. But they said if i can find a insurance company that will take me without my parents having to be responsible for any mistakes i make (like if i got a speeding ticket their insurance wouldn't go up) I can still drive as long as i pay for my own insurance etc. I'm still in high school but i work a full time job because i get out of school at 10:30 everyday so i can afford insurance plus i do alot of side work. It's a real messed up situation because the truck i have now i payed 2500 cash for it after saving up for 3 years and now my dads selling it and taking the money because it was in his name so nothing i can do there. im selling most my stuff so i can buy another car. i just need insurance. I really need a license so i can continue to get back and forth to school and work. Please any help would be much appreciated.

200$ Car Insurance for 19 year old?

I was told that Car Insurance is usually around 1200$+ for people under 25 years old cause of risk. But I was curious exactly how much so I went to GEICO online for an insurance ...show more

""Pregnant, on my parents insurance, can I get medicaid for my baby?""

I am a 23 year old student, working part time in retail and living with my mother. I am 25 weeks pregnant. My parents' insurance covers my prenatal appointments, but it will not cover my baby. Will I qualify for medicaid? (I live in California, so here it is actually called medi-cal).... I went to the office to apply, but the lady told me to come back when I was in my third trimester. I really want my baby to get insurance, but I am worried that I won't qualify. I would appreciate hearing your experience if you have been in a similar situation, or know how it works. Thanks!""

Insurance Q's Renewal Price ?

I was getting a quote today for next years insurance, but theres a question wanting to know about the renewal price of my last insurance. Will the answer to this effect my premium?, i don't know my renewal price yet so i've just gone and guessed it for the moment. I was hoping that giving an estimate isn't going to cause any problems. Or, will they need too know my exact renewal offer and then check it? Its the best quote i've been given of 1280 Full comp for a 1.0ltr corsa lol. I wouldn't of asked but i couldn't find online if your previous insurers renewal price affects your next insurers premium. Thanks.""

How much will getting a motorcycle increase my insurance?

I am 21 the only ticket I have on me was back in dec 08 for going 86 in a 70 (was on a permit) and paid it in march because of a mixup, but I pay 333 or 366 every 6 months on no fault for a 91 4runner, if I was to get a 08-12 harley davidson (cost around 10,000-16,000) and then get a truck for the winter/times it rains, because the 91 4runner is going soon, how much would you estimate I would pay every 6 months?""

Car insurance increase...?

My regular insurance (just liability) is $70 a month. but I just bought a 2001 audi s4 and am adding collision to it. i guess you could say its a sports car because its fast, but its still a sedan. any idea on how much my insurance will go up?""

How many Americans go across borders for affordable healthcare?

How many Americans go across borders for affordable healthcare?

I think my short term disability due to giving birth got messed up?

So I want on leave on May 20th due to best rest. I used all my vacation and leftover sick time, and the rest is paid by short term disability, a total of about 9 weeks total. I stayed home 6 weeks after my baby was born since my work doesn't cover any of my pay. I work in a very small private business, just 3 of us. My boss had never handled maternity leave before, and I think he did it wrong. A few weeks after I gave birth he said he got a check from the disability insurance agency, it was made out to his business. So he cashed it and wrote me a check for the total amount from his business account. There was no explanation of how to dole it out, so he just gave me the total amount. Then, just now, 3 weeks later, I got another check mailed to my home from the insurance company?? What happened? I should of only got paid for the 3.5 weeks I believe from short term disability because I was paid for the rest. The insurance company is not open until tomorrow so I cannot call them yet.""

Car insurance for car hire?

I'm going to Virginia for a week and will be renting a car from rentawreck.com. Would they provide insurance or would I be covered by a joint policy will my mum? BTW I'll be 18 + british. Don't say I can't rent because I can.

How much for kit car insurance ?

how much is insurance on a 1929 Mercedes Gazelle kit car valued at about $8000. ? i like in Florida and KY so it could be purchased in either state (cheapest) occasional ride not a daily driver

What level of car insurance should I get?

The difference in my car insurance quote from the bare minimum ($356.50) to second or third in each category ($1,422.90) is over a thousand dollars. This is for a 6-month quote. I'm a very safe driver and have never been in an accident that is my fault. Someone rear-ended me once but there was only damage to his car.""

How old should my vehicle be before I drop collision insurance?

How old should my vehicle be before I drop collision insurance?

Buy a car? No License or insurance?

Is it possible for me to buy a car with no license or insurance and have my dad drive it back to the house and keep it there? I dont intend on driving it untill i get it all sorted, i just want the satisfaction on knowing its there and its mine. Im from the UK""

I got a speeding ticket in somebody car well his car insurance go up?

I got a speeding ticket in somebody car well his car insurance go up?

Liability car insurance?

Im 18, never had a wreck or any tickets, i live in a small town/rural area in alabama, and i want to know about how much liability insurance would be for a... -2008 mustang -2010 mustang -2012 mustang""

Insurance company totalled my car.?

I was recently in a minor accident in which someone backed into me. Their insurance company accepted 100% of the liability. They are telling me that they are deeming it as a total loss. My question is, once they determine the actual cash value of the car, minus the salvage and give me the difference, will my title be a salvaged title? I live in Missouri and drive a 2000 Oldsmobile Alero. I couple of different people have informed me that beings my car is over 7 years old it will NOT have a salvaged title but according to the insurance company it will. Also do I get the actual cash value minus the salvage amount or do I get the repair estimate amount minus the salvage amount? The car is completely drivable and only has a minor crack in the bumper along with a puncture in the a/c condenser which I can have replaced. I want to keep the car.""

Aiea Hawaii Cheap car insurance quotes zip 96701

Aiea Hawaii Cheap car insurance quotes zip 96701

Can a 17 year old get medical insurance while pregnant?

My friend just found out she is pregnant today. She has no idea where to get medical help for her and the baby. She is only 17 she doesn't turn 18 til march. Where can she go to get help?

Best motorcycle insurance for me?

I was wondering what would be the best motorcycle insurance for someone like me. I'm 18, in the military, zero credit. I ride a 2011 ZX6r (sport bike). I've been driving since I was 16 and riding for about a year. No speeding tickets, no accidents, nothing. I'm SUPER busy ALL THE TIME so I really only plan on putting around 5-7k miles on the bike over the next couple of years just riding around for fun on the weekends. A lot of people suggest USAA because I'm in the military but those people don't ride bikes, and it seems like everybody I have heard of who has USAA motorcycle insurance grossly overpays. I have done a little research and it seems like the general consensus is that motorcycle insurance is the worst service (among some very good ones) that USAA offers.""

Is there one day motorcycle insurance?

I'm planning on buying a motorcycle in Philadelphia tomorrow or this weekend, but I still haven't seen it yet. If I test ride it, like it, and decide to buy it, I'm gonna have to ride it home. I figured out the registration part of it, where I can acquire temporary tags for the ride home, but for insurance, I don't want to insure something I haven't seen yet. Is there any way or company that does like one day insurance just for the ride home, then I can and will officially register and insure it. Thank you""

Which car insurance companies should I look into?

I'm looking for car insurance and was wondering which companies you would suggest I look into and get quotes from? Which company do you have and what do you like / not like about them? Thanks!!

How much would motorcycle insurance be in ontario?

Okay, so I turned 16 this past december and I am getting a motorcycle. I'm also doing a motorcycle safety course which I heard decreases your insurance. My first day at the course is today and I should have a m2 by April 3rd (I got my m1 on Feb 1st). I'm getting a used Kawasaki Ninja 250r, probably between the years of 2008-2010. I will probably get the bike for around $3800. (the Kawasaki Ninja is $1000 more expensive in Canada than USA). I live on the edge of Brampton, Ontario, very close to where the farms start (literally almost on the edge of Brampton). I will be driving for 2 or 3 days a week for pleasure. Not really going to take it anywhere besides taking it to my school occasionally. My driving record is clean. So, how much do you think I will have to pay and can you recommend me some companies but please give me a estimate of how much you think I'll have to pay. Lastly, my area has no crime rates and I think that I live in a safe neighbourhood.""

Life Insurance Policies???

What is the best life insurance company to go with so that my wife and children will have something in the event of my death?

How does car insurance work?

I got a ticket for not having endurance but the car i was driving (my dads) does. Can i just show proof of insurance to get the ticket off or does the insurance have to say my name in order to be taken off? Example:: In that case how do you explain road tests at the dps for driving license? They ask for insurance of the car your testing in but clearly its not in your name since you don't have a license yet they let you drive it. What happens in case of an accident? Will it not be covered since the person behind the wheel is not in the document? Can i take off the ticket or not? Or is car insurance all about the person behind the wheel? Isn't it supposed to be for the car no matter who is driving? Please explain if i got it all wrong and have to pay the ticket

Insurance Car coverage?

My car got flooded bacuase of the Hurricane IKE in the houston area. The current market value of this car is 9k but I still owe 13500 and I do not have GAP insurance. I had an offer for this car three weeks before the hurricane for 12k. As we all know insurance will only pay what it worth now. What are my possibilities for having the insurance pay it off sice this was a natural disaster.

Do I have to be insured to drive an insured car?

I live in California and i recently got my drivers license. I am 17 and still in high school. My dad says i can't drive because i'm not insured even though the car i'm gonna be driving is insured. If i crash what would happen? My friends tell me that only the car needs insurance for me to drive. Who's right?

What car will i be able to afford insurance on when im 17?

im 15 on april 25th 2011 when im 17 what cars will i be able to get insured, i have a 1500 budget... i love the MG ZR how much will that cos when im 17...... and any other cars that will be cheap to insure that are nice looking cars and pretty nippy cheers""

Medical insurance for cancer patient?

A family member is diagnosed with something similar as cancer. She works for a big fortunate 500 company and so far, there is no sign the company will fire her. However, the job is very stressful and when she starts chemotherapy, she will most likely take a medical leave (Not sure how long) She doesn't want to put all eggs in one basket, just in case the comapny fires her, she would lose medical insurance, and that would not be very good. Just wondering if there is a private insurance company who will never reject a cancer patient. She is very aware of the fact that premenium would be sky high, but she is willing to pay for it just in case. Any suggestions thank you""

Would it cost more than 5000 per year to insure a Ferrari F430? heeeeeeeeeeeeeeeeeeeeeeeeeeeee...

my uncle is buying a second hand 2009 ferrari f430. it has done 20k miles. and it is a convertible. he has a 3 year no claim bonus and has been driving for 5 years. he parks his car in his drive way and he drives 15k miles per year. ( i know it is stupid to use a ferrari as an every day car.) how much would it cost him. i mean he earns 30k per year and his wife earns 30k per year. he has always been a big car person and he started saving up about 7 years ago to buy a ferrari 360, but now he bought a f430. so how much would it cost him, actually will cost around the same for ANYONE who has a driving history like his. i wanna know because in the future i would loooooooooove to have a ferrari.""

Car insurance is too high!!!?

Been up since 8AM ringing several insurance companies. I have been declined 13 quotes, and offered 9 quotes noted below: Direct Line - 8,000.00 Admiral - 6,400.66 Insure motor - 9,294.00 Elephant - 6,400.66 Aviva - 13,084.00 MasterQuote - 11,001.60 On some of the forms I have used my nan's address as I live in a high-risk area, so I will actually park the car at my nan's house, not fraudalent I will actually do that. Are there any more hints/tips on what to do to bring down the insurance? I recently bought a Peugeot 106 1.1 LOOK+ 3dr hatchback. I'm 20 years old and passed my test on 30/10/2012.""

Quote for a day car insurance????????????

how much does a 1 day car insurance cost? It is the first time I need to do it, so I don't have any idea. When I try to get a quote, I'm always ask to register to the website... I don't really want to do it before having a quote :P Anyway would you please recommend me an agency? thanks""

How to Find Quickly Best Term Life Insurance Quote?

How to Find Quickly Best Term Life Insurance Quote?

Car Insurance?

I got a ticket 15 monthes ago and didn't told my parents, but they aren't that hard on me but the car insurance is going up now why is that.""

Do I need car insurance if the car is already fully covered?

Okay, so i just got my license yesterday. The car that I would be driving is already fully insured by my boyfriend who I live with. I live in Cali. Do I personally still need insurance? Or will I be covered if I get in an accident since its fully covered?""

I need Car Insurance help!?

Well, I'm turning 17 soon and have started thinking about learning to drive and getting my provisional. I know car insurance for a 17 year old boy is very high but there must be some cheap insurance somewhere? From 900-2500 I'm not the richest person ever and don't currently have a job, but I'm actually searching at the moment (just started). I have time to think about it all and everything but ye I need help, also a car which isn't too expensive and the insurance is also pretty cheap would be awesome!""

Car insurance question?

I just turned 16 and got my driving permit. I would be using my grandmothers car and she has erie insurance. My question is.. Am I allowed to practice driving on the car even without getting insurance? She insists that I'm not allowed to unless I get insurance but everyone else I know does it without. She thinks that I am going to get in a crash because I can't keep my room clean. (wtf?)

Ford Focus Insurance for a just passed Driver?

How much would insurance cost roughly for a 25yo female who's just past her test?? I haven't yet passed but when i do I want to get a Ford Focus and was wondering how much roughly insurace would cost!

Car Insurance parked hit and run question?

I have USAA as my auto insurance. Here's the back story. I was parallel parked alongside a street here in Atlanta and a car (more than likely) was trying to get out of his/her space and hit the left driver side bumper pretty hard (ruining the paint and loosening up the bumper pretty good...and cracking the tail light). This person did not leave a note. I have my 500 deductible. I also have uninsured motorists coverage. Right now USAA is saying that I will have to pay the $500 ded. Why couldn't they put it under the uninsured motorists coverage I have instead so I wouldn't have to pay a dime? Is it within reason to call them and ask for this issue to be adjusted? If so, what points can I make to insure I get the deductible taken care of under the uninsured motorists coverage? Thank you for your help!""

Best insurance companies for 17 year old passed my test?

ok ive pased my test 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 17 year old have and who is it with, please :)""

Can you give me any car recommendations?

ok im a 16 year old boy turning 17 next month and my parents are buying me a car.they said that there are some requirements of their own 1.the oldest it could be is a 2005 model(i don't know why) and it needs to be with in our price range which is $10,000 to $20,000.i don't have many requirements just that it needs to have something where i can connect my ipod and phone to the car to play music or make a call and i don't want a honda or toyota because everyone has one of those in my area and at school(sorry if it sounds bratty but it kinda feels weird to me to have a car that most people have in my area). so what are some nice cars in our price range that would be a good first car.also my parents said the insurance cost doesn't matter.""

How are car insurance companies regulated?

Are car insurance companies regulated by any state or federal offices?

Where can i get low cost motorcycle insurance ?

i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""

Aiea Hawaii Cheap car insurance quotes zip 96701

Aiea Hawaii Cheap car insurance quotes zip 96701

https://www.linkedin.com/pulse/cheap-liability-car-insurance-houston-tx-clifford-hubbard/"

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Columbus Mississippi Cheap car insurance quotes zip 39705

"Columbus Mississippi Cheap car insurance quotes zip 39705

Columbus Mississippi Cheap car insurance quotes zip 39705

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

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I'm currently with Progressive and have been very pleased with their service: I was in an accident in August and the entire process was very smooth and took little effort on my part. I worked with one local agent, dropped my car off at the Progressive repair center where they had my rental waiting for me, and returned the rental there when I came to pick my car up. Plus I never have to wait long to talk to someone when I call. However, I'm newly married and have found we would save a considerable amount by moving my two cars to my husbands policy with State Farm as opposed to moving his car to my policy with Progressive. Please let me know what type of experiences you've had with State Farm and if you would consider their service as excellent as I have with Progressive. Even if State Farm is cheaper, it won't be worth the savings if their service is crummy. Thanks!""

I got charged with dui however not convicted. when getting insurance do i need to state a dui on there or not?

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Columbus Mississippi Cheap car insurance quotes zip 39705

Columbus Mississippi Cheap car insurance quotes zip 39705

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I live in California and got a second offense for driving without insurance how much will this cost me?

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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?""

""Car accident, not my fault, no insurance?

ok i just got in a car accident today when a girl ran a red light and t boned my car and totaled it. it was totally her fault and she even amited runnin the red light but the thing is i have no insurance so right there i already lost my liscens but whats going to happen with my lost or what should i do now about my lost? also i didn't go to the hospital ether but my shoulder is starting to hurt now to a point i can't even lift it or pick things up so im going to the hospital tomorrow..so whats going to happen with that? plz help!

If my dad is a co signer for a car will my insurance be cheap?

I'm 19 and its my first car and my dad is the co signer will my insurance be low? What are cheap insurance agencies for teenagers?

How much is car insurance for a 16 year old living in Florida?

Hi, I'm fifteen and I'm getting my license soon. I was wondering, what's the average cost for car insurance for a child at the age of 16 driving a Ford Mustang GT? I included my car model if that's any help at all to you. I also live in Central Florida. Thanks in advance!""

Car Insurance for Teen Girl Estimate HELP PLZ?

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

Criminal record for driving without car insurance???

I would like to know whether an individual who plead guilty for driving without a car insurance (UK) get his name put on criminal record list. It seems to me unlikely because people normally get points of their licenses and a fine.

Volkswagen beetle (2004) insurance?

I'm 17, starting to drive... All the quotes I have been getting for small cars like yaris's, cluo's, ka's etc, have ranged from 5 to 9 grand. I checked Tue insurance for a 2004 vw beetle, that ranged from 2 to 4 grand. Why are they cheaper than smaller cars?""

Can you personally propose a govt. health insurance program that would satisfy the majority?

Can you personally propose a govt. health insurance program that would satisfy the majority?

Insurance rates for 19 year old?

what would the insurace rates be for a 19 year old driving one of these cars. all cars would be sedan (4-door) models. 03-04 honda civic 97-01 subaru impreza RS 96-98 BMW 318 94+ acura integra 98-01 honda accord 00-03 nissan sentra

Why are so many Americans so damn dumb?

why don't they realize things like how the insurance companies are screwing them? Insurance companies keep 30% of every dollar spent and it goes in their pocket. They exist to deny you service, to keep you sick. America is the only industrialized country in the world without universal health care. I await the predictable comments about that, fed to most americans by the likes of hannity, savage and limbaugh, all with great health insurance.....so, why are so many americans so damn dumb?""

Learning to drive questions?

From england. Ok so a few quetrions. On average, how many lessons does it usually take before you can take the test? Is there a set minimum of lessons or do you take the test when you feel ready? How much on average does each lesson cost? Is it true i wont be able to get insurance on a 1.8 or 1.6? How much did you spend on your first car? Answers to do with England please !""

Question on insurance discount?

So im 15 turn 16 in April so I was wondering you know that car insurance stuff like if your on A-B honorol you get a discount well the first 9 weeks I got a 78 in math is there anyway I can get that discount how far back do they check your grades

Why do i need insurance?

Why do i need insurance?

Car insurance question?

If something happens to your car and it falls under comprehensive coverage, will your insurance premium go up after the incident?""

How long after someone dies to get life insurance benefits?

my grandmother died about 2 weeks ago and i was wondering when her life insurance policy would go through so we can receive the money from it to manage her estate, we heard that probate takes about 16 months, but we cant wait that long for the insurance so how long does it usually take?""

Columbus Mississippi Cheap car insurance quotes zip 39705

Columbus Mississippi Cheap car insurance quotes zip 39705

Would health insurance be valid in all states or just in the one you bought it in?

I am currently in Houston Texas and I wish to receive health insurance. I will be moving back and forth between Texas and Utah. I wish to know if health insurance here in Texas will be valid in Utah. I think this is a pretty uninformed question but that is why I am asking and I am only 18 so I do not have to much experience in this matter. If you know of a website I could look into to be informed then that would be very well.

Looking for a cheap car to insure for a teenager?

I am 16, and have had my license for a few months. Right now I am driving one of my dads cars, a Honda Element, and it is relatively cheap to insure. This in mind, I need a car of my own because he doesn't want me putting too many miles on it. I am wanting to buy a used car, relatively cheap (Max. price of $10,000 but I would like to keep it below $8,000 preferably) with low rates of insurance. I really like a 00-01 Jeep Cherokee, but am flexible. I just want a list of some cars with low insurance rates. Also, don't respond with nothing is cheap for a 16 year old because I know that. I am looking for something cheaper than most.""

Health insurance after i drop out?

hello everyone i am a 17 year old male who chose to drop out of school after getting clean from drugs. now that i am dropped out and sober i am very happy but there seems to be an issue. in january, january 28th to be exact i will be 18 and my mother insists that unless im in school i cannot be covered under health insurance anymore. so my question to you all is, is this true? is there a way i can be covered under her health insurance even after dropping out? if no what other affordable options are there for me pertaining to health insurance? i know of cobra but 500$ a month is a little absurd. so any information would be much appreciated thank you so much!""

""How do I get a low insurance rate (18, first time driving)...?""

I'm getting online quotes with basic basic insurance... I think the lowest quote I got was $366/mo, which is bs, the car is only worth $900? Should I call and tell them that? There's no way I'm paying that much in insurance for a car that's worth that little. Can I be put on the people's insurance in whom which I live? They're not relatives. And then just pay them the amount they're insurance increases to?""

How much would it cost for a female 17/18 year old to be insured on a 1.2 Clio?

It's a 2002 model, also what is a very cheap insurance price range, and what sort of car would you have to have?""

Motorcycle insurance?

I have a 2007 Ducati Monster s2r800. I am 22, male. Clean driving record. will be used for commuting to school. What is an approximation as for what my insurance will cost me (liability and theft)?""

Obama plans to fine people that don't buy affordable health insurance?

http://news.yahoo.com/s/ap/20090703/ap_on_go_co/us_health_care_overhaul is this ethical

Motorcycle Insurance for a 23 year old male?

I'm looking to get something like a Honda Shadow or Yamaha V-star. What could i expect to pay for insurance for full coverage ? Lets say for this example, the bike is 1100cc or higher and a couple years old. I do not have any tickets or accidents...ever. Do not tell me to get a quote...I will do so later. I just want your thoughts.""

A question about gender and insurance?

I know guys pay more for car insurance, but on average how much more a year? and according to this... http://shine.yahoo.com/channel/health/did-you-know-women-pay-more-for-health-insurance-302611/ women pay more for health insurance?...but does anyone know why or how much more?""

""What agency will investigate fraud, abuse or illegal activity in government medical insurance programs?

And how will the Judicial system be made affordable for persons who are living in poverty?

Motorcycle insurance in Guam?

Individual has military orders to Guam and is ONLY shipping a motorcycle (no POV). Most company's I've called will only cover auto insurance and let you add a motorcycle policy to make a combo. Does anyone know of independent motorcyce insurance policies covering overseas (particularly Guam) without having to insure a vehicle along with it? (I've tried most big named companies and even the independent companies on the island, and so far no luck!)""

How much will my insurance would cost if i would get a 92 miata. or 92 integra?

How much would it be w/o including the discount of me going under my parent's name or some stuff like that. Im 16 and im trying to get my car going but im not sure how much my ...show more

Cost of health insurance for children in houston?

Hi, can anyone advise what is the average cost of health insurance to buy for children, and what factors might affect the cost. Thanks.""

Can health insurance companies request medical records from other health insurance companies?

When I was in college I was in a relationship that made me really depressed, and the psychologist on campus referred me to an outside therapist with a diagnosis of major depression --the outside therapist corrected it and said she believed i had circumstantially-related depression, but she told me she coded the claim with the referring guy's major depression label so the insurance company wouldn't hassle me about the paying the claim. I worked with her for a 6 months --no medication, just got out the relationship--and am happy and healthy :) Now I'm reading all kinds of scary stuff about MIB, retroactive declining of coverage, etc and I currently have new individual (underwritten) coverage--I can ask her to correct the claim with my old company, but it seems like any action might rock the boat and I'm scared--if they didn't notice it, should i leave it be? or is there a chance that if i (god forbid) get something serious down the road that my current insurer will dig up my records from my old insurer to look for a reason to not pay? she was trying to do something to make my life easier but this whole thing has turned into such a mess!""

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

hi im a college student in NYC i am single and live alone in a studio apartment in Brooklyn NY i work in an armani exchange store and at the moment im also going for acting and have already nailed some gigs. My question is if anybody knows how i can get car insurance under $4000 (BTW i dont have any1 living in another state) i checked most companies and they offer 10-13k either a year or 6 months so please if any1 knows how i can get insurance help me out i am in dire need of a car.

How much is the average car insurance payment for a teenage?

I'm 16 & I know I'll be on my moms insurance since I'm not 18. would I be better off getting a 2011 or 2012 year car? I've heard it's pretty costly

What would be the insurance policy on a 2013 Mustang GT/CS?

Make believe it is the summer of 2014 and I just bought the stated car above. How much would a typical insurance go for a used Stang with around 7,000 miles in a small city(like Gainsville) go for?""

Why do i have to have my car inspected by my insurance company?

I just changed insurance companies and the new one wants to inspect the car which I never had to do before. How come?

Is it possible to get a loan and homeowner's insurance for a post & pier foundation house?

It's a small home and it's not located in an earquake area. Would having this kind of foundation reduced the value of the house?

Question about MA car insurance?

I have a car parked in my apartment's parking lot that doesn't run. Can I cancel the insurance on it so I don't have to pay for it every month? I'm in the process of trying to sell it. When I cancel the insurance, do I have to return the plates, too? I don't think it's legal to have a car with no plates parked in a parking lot.""

DUI in CA - how much will my car insurance go up?

I was convicted of a DUI and soon I'll be eligible for a resticted license. I have to have an ignition interlock device installed, and file an SR-22 with my insurance company (Anchor General Insurance). I have not told them yet as I am not yet eligible. I called and they said that they do accept people with DUIs. I am currently paying $77 per month for full coverage. I'm male, 29 years old. How much can I expect my insurance cost to rise once I file the SR-22?""

Expired car insurance ticket?

So I got pulled over in may and had expired car insurance of about 10 months. I had presented my expired car insurance document and the cop had my car towed to a nearby car shop, where i got it back a few days later. The cop called another cop to drive me back to my university since my car was towed. I was talking to the cop who drove me back and asked what I can do and he told me to just plead not guilty on my ticket and get new insurance and bring it to the court. I don't understand, how can I plead not guilty? It was his advice and he knew my insurance expired. How can getting new insurance do anything for my cause? Any help appreciated, thanks.""

Where can I find professional liability policies for a surgeon?

This is for a finance project. If I need to pay fro professional liability insurance, on what website can I find this insurance. Will I have to pay for it by myself, or does the hospital/company I work for pay the insurance for me.""

How much would insurence cost for a small car detailing business?

i have 2 do a project for school about creating our own business and i need 2 know how much insurance would cost for my car detailing business.

Mustang GT Insurance Prices?

Does anyone know how much it would cost on insurance for a brand new Ford Mustang GT?

Columbus Mississippi Cheap car insurance quotes zip 39705

Columbus Mississippi Cheap car insurance quotes zip 39705

Am I paying too much for insurance?

So both me and my wife share vehicle... We are insured through aaa with 500 deductible. We pay quarterly and it cost about 360 until our last statement came which was 435 (it went up). The car is a Chevy hhr 2006 with about 125k mileage on it. We only travel about 8 miles per day to work. Both of us are late twenties, she was involved in a hit and run a year ago (someone hit her costing 3000 in damages) while I got a speeding ticket for $185 2 months ago (those are our only two incidents in past 3 years)... Both of us have good credit, we are not homeowners as yet. Both of us has been on the policy for 2 years now and she has been the only owner (it's in her name). Are we over paying?""

What would happen to health insurance companies if government take over the health insurance system?

Correct me if I'm wrong, but I heard that Obama is trying to push a public health system that will allow everybody to have health insurance no matter what pre existing conditions he or she may have. If this is reached, what would happen to insurance carriers like Blue Cross, Blue Shield? Will we need these companies and health insurance agents?""

Switching car insurance?

I am thinking of switching to Esurance, it's about $25 a month cheaper than my current insurance. Anyone have any experience or knowledge of Esurance? How hard is it to switch?""

What is the cheapest insurance company?

What is the cheapest insurance company?

Why is insurance on Motobikes Much lower for a 17 year old then insurance for a car of the same value?

I'm 16 and i'm looking how much it would cost me to get a car or a bike when i turn 17 next year so i can save up and get one of them i looked at insurance for both and ended up with a 3000 quote for a car worth 2000 and a 750 Quote for a bike worth 2300 they where both from the same insurer and all the details where the same I'm just ondering why is this the case and if it's actualy better for me to get a bike instead ofa car

I need health insurance. and advice?

i am 20 and want to get affordable good health insurance but i only want to pay like 75$ a month is that reasonable? what should i be expecting to pay and what providers are good?

Car inusrance. Where to get free quotes ?

What is the best web site to compare car insurance premiums online. What are the best companies for cheap insurance rates with good coverage for auto owners ?

Temporary auto insurance for move?

I'll be moving to Oakland California from Phoenix Arizona and I was wondering if there is such a thing as temporary auto insurance. My vehicle is not currently insured, but I can get a temporary registration from AZ DMV. That would allow me to drive my car for my move. I will be pulling a small utility trailer. I don't want to get a full 6 month insurance policy because as soon as I get to Oakland, I won't be driving the car at all. Are there any insurance companies that offer a really short policy (2 days, or maybe a week) ? I only need insurance for those two days, and so that I can get temporary registration from the DMV. Does anyone know if such a thing exists, and if so what company?""

Car Accident without Collision Insurance?

i was recently in a collision the other day. i was traveling straight with the right of way, and i was hit by a driver turning left into my lane to cross the intersection. i do not have collision on my car for it is a 99 grand am, and the damage is enough to total the vehicle. when the police arrived, they did not site the accident, however an officer mentioned it is clear what happened but in the hands of the insurance company'ss. i called liberty mutual, my company, and they told me to get into contact with the other drivers. i filled out the accident forms and sent them to the police and registry. her company told me that she had already filed a claim and that they would be in contact with me. i have no prior record of poor driving. no speeding tickets, no car accidents, i have a red light ticket that i appealed and won. is there anything i should be worried about? is my car going to be covered and if so how long does anappraisall take. i took photos of all the damage for records. 99 grand am, 138000 miles, just passed inspection thanks!""

""If I have health insurance, should I not pay for certain coverages on my car insurance?""

I have health insurance with HealthNet. For car insurance, there seems to be 3 major items for coverage: -BODILY INJURY LIABILITY -PROPERTY DAMAGE LIABILITY -UNINSURED MOTORIST & UNDERINSURED MOTORIST I'm under the impression that the third item is health insurance *for me* if I get into an accident. Why do I want that if I am paying for medical insurance anyway? Should I minimize coverage on this item?""

Car insurance rates for a new teenaged driver?

So we have State Farm car insurance and our 17-year-old daughter is attempting to get her license. She has straight A's and is doing their Steer Clear program. Does anyone have an estimation of how much this will increase our insurance rates?

Can I turn my health bills from a car wreck into my health insurance?

I'll try to make this as short as possible. I was hit by another car, who fled the scene but I was able to get her license plate, made and model of her car. Her insurance is covering the body damage for my car but I'm having problems with the medical part of all this. In all, I have had two visits with my doctor and he sent me to the hospital for xrays. I have whip lash and nothing else. I live in Kentucky, which is a no-fault injury state (I have no idea what that means). The other driver's insurance company is not going to pay for my injuries since they are less than $1000. Which means I have to turn it in to MY car insurance company and pay my $1000 deductable or pay out of pocket, which will be about $800. Someone I work with mentioned that I can turn the bills into my health insurance company for them to cover it. Is that an option? I'm not at all familiar with any of this b/c this is my first experience having to deal with car insurances. I know it doesn't matter how I feel, but I'm really ticked that someone can hit my car, flee the scene, cause injuries to me, and then I am the one responsible to pay for the medical care. Does anyone have any experience with this? Can I turn this into my health insurance to avoid paying the $800 that I don't have? Thank you.""

How does Obamacare increase health insurance premiums?

i've been seeing that they've gone up more when the reform was suppose to lower them. how exactly was obamacare suppose to lower insurance premiums?

How much does it cost to buy and insure a car (17 year old)?

Just passed my test, looking for a car to use Which is the best car to insure and run, and what is the best insurance quote I live in a bad post code area which is one if the highest rates and i dont want a black box and i need to do alot of driving after 11 o clock""

How much will getting dentures cost me without having any dental insurance?

How much will getting dentures cost me without having any dental insurance?

Im nearly a 17 year old who wants to know how much insurance will cost..?

hi, with me nearly turning 17 next year and i have been looking at cars i have my eyes on a citroen saxo and was wondering how much will it cost to insurance and not botherd about the price of the car because you can get them for at least 500 pounds, there are ll types of saxos arnt there like the 1.4 and i have been looking aat the saxo vtr but im wondering what saxo is better fo a first car and the insurance thanks zac whalley""

What is a car insurance raise depend on? ?

Hello, I come here because everyone I ask just tells me not to worry about it and I JUST WANT TO KNOW! Sorry if this is way too long. I don't want to miss anything. Anyways, I got into a minor accident recently. When I say minor, I mean minor. I bumped them at a red light because I scooted up without looking. Didn't even touch the gas. This is my first accident. I'm twenty years old. When I went to look at our cars my car was a little scuffed, nothing that a little buffing couldn't take off. Their car, was even less. One of the passengers (there were 5 adults total, two children sitting on laps) claimed his back hurt. I was in panic mode as the driver told me that we could handle this without contacting insurance. Later I came to my senses when I realized that this guy with the back injuries was going to keep coming back to me asking for more money, so I told them to call my insurance agency. My question is, does anyone know in the state of Florida what determines how much your car insurance goes up? His injuries (not positive but almost positive) are not bad enough to go into my bodily injury. His PIP should cover it. For example, will your insurance go up based on the damages you have to pay for ? Since I made very VERY minimal damage, will my insurance only go up a little ? Thanks for reading my giant ramble and thanks for responses. Sara""

Health insurance for the poor in California?

Does anybody know how to get some kind of free health insurance in Los Angeles? I lost my job and want to go to school full time but I need health insurance. Med-Cal told me you have to be 65 or disabled

Home insurance wants to raise dwelling coverege?

I purchased a townhome in March of 2013 for $183k in Florida. It is in a 200-unit subdivision that just completed all construction and sold out all last remaining units a few months ago. When I signed up for home insurance, the insurance company set my dwelling coverage to $183k. I told them that it isn't accurate for them to base dwelling coverage on market price because the replacement cost must be lower since market price includes land and profits the builder makes. Long story short, they convinced me to stay at $183 because they said costs were rising and so forth. I decided not to fight it. Fast forward to this year, and now they are proposing to increase the dwelling coverage to $203k (11% increase). Funny thing is that for my exact townhome model, about 20 units were sold in the last year with prices averaging in the upper $180s (slightly above what I paid). I called the insurance company to let them have a piece of my mind, and they told me they use an independent 3rd party company to price the replacement costs. I told them it's BS because it's way above average market price and replacement costs is always below market price. They asked me to send them documents from when I purchased the home that details the construction materials used and upgrades so that they can reevaluate the dwelling coverage. My question is, why is the burden of proof on me to prove to the insurance company that dwelling coverage should be lowered? Why can't they just reduce it to what I tell them to reduce it to? After all, I am the customer who pays for the insurance. If my house is ever destroyed and I underinsured, that's my problem not theirs. I just find it strange that I'm paying for an insurance service and the insurance company decides what the replacement cost is, not me. Even though it doesn't affect them.""

Car insurance question???

i have just had my car stolen and was wandering if it was worth claiming on. It is insured for 2500 and they are willing to right it off and pay up but I have a new car that I need to get insurance for. My cheapest qoute is 450. Anyone have a rough idea how much my insurance would go up if I claimed for my old car?? Basically... should i just accept my losses on the old car or claim. cheers

Car insurance?

i have a license and live in CT and i have a question about insurance the web page says the vehicles should be insured. my dad and mom have insurance for their them but i dont so i dont have to get insurance because the vehicle is insured? or everyone should have insurance who drives on the road?

How much Vespa costs to run in london? better use tube?

hi l want to buy Vespa (with cash) and lm wondering how much it costs monthly to run it? with fuel + tax + insurance? is it worth it? or better stick to tube (117 per month) any experienced Vespa owners?

Car insurance confusion: Honda Jazz & Ford Fiesta... help please?

Hi there guys, I am sorry if this is a boring run of the mill question with an obvious answer, but I am seriously confused! I have two prospect cars to chose between, one is a Honda Jazz, and one is a Ford Fiesta, now to my knowledge the Jazz's insurance group should be around 11-14, (new 1-50 ranking) and the Fiesta should be around 8. A number of sites have confirmed this to be true. But trying to get actual insurance quotes, the Jazz is coming out cheaper, by at least 300. (This is with my details and the rest of the policy identical) I thought insurance group was the only factor of the car that changed the insurance, or is there another factor? I am a newly passed driver if that changes anything?""

Is Secura insurance company reputable?

I was told by my insurance agent that in order to keep my house insured with them , I would also need to insure my auto with them. Does anyone have or has had any experience with Secura insurance? Good or bad.""

""Will my insurance go up, if my parked car was hit and not occupied?""

My Car was hit While parked and was not occupied (nobody was in the car) The car that hit my car, pulled out of the parking spot and was trying to hide. i went and filed a collission report against the driver. what will happen now, will my insurance rate go up? or will i be at 100% no fault. I know some insurance companies try to rip us off. plz help

Columbus Mississippi Cheap car insurance quotes zip 39705

Columbus Mississippi Cheap car insurance quotes zip 39705

https://www.linkedin.com/pulse/bmw-insurance-telephone-number-hailey-stewart/"

[foulfurywombat-blog]

How to get cheap car insurance?

"How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?

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

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I have an old toyota tercel here in california. I just want the thing to be street legal to drive here in california but I don't want to spend over 40 bucks on insurance every month(thats liability insurance), I don't care about any coverage, just want it to be street legal. Are there other options for me? 10-20 bucks a month is more on my price range just for it to be street legal.""

Car insurance question?

can I put my name under my father? his is living in the other country and probably not coming back in these few years, once I have some accident, is it gonna bring me a truble since my father is not here?""

How much will my car insurance go down if I switch to liability?

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It is my first time getting a car in the US... Actually, I'll be getting it tomorrow, I know it's a Toyota 1989, don't know the specific model yet but I know it's a cheap one... it has papers and registration... I mean, quite cheap and nothing very good looking. I'm 20 years old, single, international student at university... how much do you think will I have to be paying? (approximately)... and should I try getting it online? first time doing this so I'm kinda lost""

I am a first time driver with a pass plus..aged 24. any tips for getting cheapest insurance on second hand car?

please consider the engine size, car model make etc""

How much is motorcycle insurance for a teenager?

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

Does Allstate use insurance credit scores ?

My score is good, just curious. Another unrelated question: My insurance has gone up the last 2 times after going down every 6 months for a few years. I cant find any reason for it on my end. Is everyones rate going up at allstate ?""

Life Insurance?

What is the best life insurance?

Any ideas on how to get cheaper car insurance?

Any ideas on how to get cheaper car insurance?

Do you have health insurance?

If so, How much is it per month? How old are you? What kind of deductable do you have?? feel free to answer also if you do not have insurance.""

How much would insurance on a Mercedes C230 cost?

2008

Do i need insurance for my drivers test?

Am 18 years old and im about to take my california drivers test in about two weeks i was checking everything to make sure i was in good condition.Then i read that i need to have proof of insurance witch is a problem because i do not have my license yet.So i ask my uncle if i could use his car he said yes and his car is insured, does he need to add me to his policy or am i good to take my test? Thank you""

Double up on individual health insurance?

Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?""

Why does ACA make insurance mandatory?

Does anyone know why the Affordable Health Care Act requires you to have insurance? I could understand an optional government insurance plan if you don't get it through work, but I don't understand why there will be a penalty if you are uninsured. Avoiding emotional responses (for instance: b/c Obama sux), does anyone know the reasoning behind that? An example of the answer I'm looking for would be if you asked me why Americans are required to have car insurance, why aren't we just allowed to pay for accidents out of pocked if we choose to? I would answer by saying that some people would not get insurance because they thought they could avoid an accident, but then get into one and nobody would pay for the other person's car/injuries. Putting the person in jail wouldn't help the victim, so it's better to make everyone have car insurance.""

How much will my car insurance renewal be?

I am currently insured with Admiral for my car. My insurance is up for renewal next month and I am just wondering if anybody with prior experience of them knows how much of a discount i may expect, if anything at all. My insurance last year was around 1,100 I am 22, I have had my licence for 4 years, And I will now have 1 years no claims. Thanks in advance :) Rob""

Cheapest Way for an international student to Drive a car in the UK with an international License?

I will be staying in the UK for 1 year and need a car cuz I will be driving around 50 miles a day. I looked to buy a cheap car but the insurance is around 6000 to 8000 a year cuz i am young and driving with an international license. The cheapest thing I found was renting a car for 13-14  a day. Is there anyway I can drive cheaper in the UK? If renting is the only choice, what is the cheapest renting diesel car can I get in Birmingham?""

How do you get car insurance if you dont have a car?

How do you get car insurance if you dont have a car?

What is a collector car insurance?

please tell me everything you know about collector car insurance. i really need to know. thanks.

""If you have car insurance, is it still valid during the period of a license suspension?""

I'm soon going to have my license suspended for 30 days. My car insurance is paid through next year. Will it still be valid during my suspension period? (i.e. liability if my girlfriend drives it even though she's licensed / insured as well or for comprehensive damage, etc.). No, I will not be driving my car or any other during my suspension period. I just wanted to know if there are generally any 'clauses' in policies that eliminate the ins. co. liability if the insured has a suspended license and something happens to the vehicle. Separate question: Does adding a car to your policy trigger a license check by the insurance company? Thanks for your help!""

How does uninsured motorist effect me and the insurance company?

if i get in a car accident with someone that dosnt have car insurance how does this effect me and the insurance company

Do you pay insurance on a lease car in the UK?

im 18 and looking to get my first car would a lease car be a cheaper option for me as i have been told in unsureness that its all included in the price but would i still have to pay separate insurance on the car? if so what would be the cheapest option? a lease car or buying a cheap car? thanks

Need med insurance preexisting conditiion?

need a knee replacement no insurance and don't qualify for medical ...what do you do ? O no job either. do people just walk in to a hospital and say fix me pay later l

What car insurance co. should I go with?

Can anyone offer suggestions for a company easy to, and willing to work w/you? I presently do not have insurance. I am on a fixed income. Money is always an issue. I need low rates. My car is old so I only need minimum. Was with SafeAuto -- OK, but not thrilled with them. Are there others out there legitimate and with good reputation? Pls remember, I cannot afford a lot. My inspection is coming up. Many many thanks!""

""Which has high auto insurance rates, santa barbara or vacaville CA?

10 points

About car insurance and the laws on it?

i just want to know if a car is insured but the driver of that car is not in the policy .. do i still get ticketed for not having the car insured? I don't know if i'm making sense.but let me explain .my car is insured fully covered but my daughter was driving it and got stopped by the police.and he claimed that my car was not insured. i called my insurance carrier and was told that it was because my daughter was not on the policy. I always assumed that as long as the car was insured it did nt matter who drove it. provided an accident was not involved. please help me on this. as soon as possible

How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?

Insurance related question to a 1987 5.7L IROCZ?

Hello I am 17 years old and have saved up enough money to buy a 1987 IROC-Z with 350TPI, 140K. Now when I purchased the vehicle a year ago I could afford to insure it but was to young to drive. I was supposed to get my G2 permit in August. I've already prepared it for the road for the but I am in Ontario and the driving strike is still going on. And to top that off, insurance companies raised their prices! I can no long afford to insure the car when spring rolls around. My mom made a good good...why not insure the car under HER name at a DIFFERENT insurance company, and put me as a secondary driver? That way I can enjoy the great prices and hell I bet she can have some fun driving this car. The car would not be insured itself, it will only be insured incase I hit someone and damage them. Would this affect her insurance rate at her other main company( 2 cars,house,boat)? Thanks!""

Car Insurance Question?

I am a little under 15 and a half years old and my dad has debated and almost bought a lot of cars for me, from ford f650's to 1965 or higher mustangs and jaguars. but so far we have thought that the car that would be good for my first car would be a 1994 Ford Mustang with a V8 with 30k miles0. which is perfect because that was the year i was born. So my question is that since its a sports car and its V8 about how much would my insurance be when i could start driving by myself?/ insurance for the other kinds of cars/trucks?""

How to get my baby health insurance?

So I am having a baby within the next few months. I am covered under my dad's health insurance because I am still under 26. I don't live with my dad though. I currently live with my fiance and my one year old son. My son is on fidelis/medicaid. Is there any way I can get my baby covered before I deliver her?

""Know any good, cheap restaurant insurance companies?""

My parents want to open up a restaurant, and so they need restaurant insurance. Would any of you happen to know any good, but cheap restaurant insurance companies? He's looking for a price around 2,600 to 2,800 dollars for the cost.""

How much does it cost a month to insure a 2002 Acura RSX Type S in NJ?

if you have a rsx type s can you tell me how much you pay and how old are you. So i want to get the 2002 acura rsx type s im going to be 17 but im going to put the insurance under my dads name and ill just be a liability on average how much do you think it will cost?

Is there an insurance company that offers ONLY liability insurance for your home?

I am looking to buy liability insurance for my home property, not insurance for the replacement value. Is that possible? Has anyone done it? What insurance companies might offer it? thank you.""

Around how much will car insurance cost?

I'm turning 16 in January and want to get my license. My parents are adding me onto their State Farm account, but I have to save up enough to pay my insurance for at least a year first. I know I qualify for the good student discount because my GPA is 4.0 and I'm going to be in the National Honors Society. I live in the suburbs of Pennsylvania so I hear it should cost less than if I lived in Philadelphia. So, around how much will this cost?""

I just got into a car accident and whats going to happen if i dont have insurance for that car?

Okay so on Monday, I was parked on one side of the street and because of street cleaning I uturned across the street into two other cars that were parked and some lady backed up trying to park in thee space that i was in. she did not look back i guess. It's clearly her fault but the thing is that that car does not have insurance. My other 3 cars are insured just that one is not because my brother gave it to me to sell. I am wondering what is going to happen because she reported to insurance. Wiill i get in trouble? ( I'm under 18) Do i get money from her insurance company? Will I have to pay for her damages even though it was 100% her fault? and what do i do now? Her insurance agent called me but i called back and cannot get a hold of her. Thanks for the help""

CAR INSURANCE FOR A 17 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

What is the cheapest car insurance company to go with at 16. could someone give me a estimate?

my car is a 2000 Pontiac grand prix. all i need is state minimum.i live in ohio

Health Insurance in California!?

Hi there, My girlfriend and I are getting married next year. I am British and she's American and I'm going to move to California to live her. I am just wondering how the whole health insurance matter works in California as there is no national health insurance as far as i know! Thanks guys!""

What insurance will accept me?

Here is what happen. I was invited into this car insurance agency. I was with them for the last 5 years. I had 3 accidents in the last year. 1 first one was at an airport and the guy that hit me claimed full responsability 2nd a guy went through a red light and hit me and was charge with a dwi. The 3rd a chick clipped my car and no claims were paid because it was a he said she said. My car insurance now said that they were dropping me. I was tlaking to an agent and she was telling me it did not matter that 2 were not my fault because i was still in an accident. I was then telling her how I felt robbed and cheated by them. I then heard what sound like chewing in the back round. I said Are you eating She said what? I said are you eating She said um... maybe I said how rude, after 5 years of loyalty and you do this They dropped me. They said no one will want me. how can i get car insurance now?""

Im 18 Years old with a 1998 corsa (5door) and im getting insurance quotes at 2500 - 3k+? is this right?

A few of my mates are getting quotes at just under 2k, but i dont get anywer near that. i dont have pass plus but surely a car this old doesnt have high insurance?""

Liability Car Insurance and Car Age?

I am wondering about how old a car should be to only have liability car insurance on it. Also, can you get liability on any/all cars, or just ones that are a certain age or older?""

K what insurance is the best?

car insurance. ?

Do auto-insurance companies submit information to DMV?

I called California DMV with proof of insurance and they already had my information. I never gave it to them directly. So I am curious are they all synced up now or how does this work?

Car insurance Question?

I was driving my friends car. I hit someone. It was my fault. My friend has insurance but I dont know what kind of coverage. I was driving her car because she needed to borrow my truck. If her insurance doesnt cover her damage should I help her pay for it even though I was doing her a favor by borrowing my truck?

Does anyone know a good auto-insurance for first time drivers in New Jersey ?

I'm well aware that New Jersey has high auto insurance, but I wanted to know does anyone have an recommendations on an affordable auto insurance. I know me being 21 and a male is going to raise it but so far the cheapest would have been progressive for about $300 a month. Any suggestions would help. Thank you""

What is the cheapest insurance for a road trip around europe?

3 guys, age 19, 3 weeks in august, had licenses for a year, driving a small car. Anyone know what company would be the best to look at? And im fed up of looking through comparison websites :P""

I wonder how many points will my insurance raise ?

So my car was parked in-front of a SUV Lexus in a parking lot. Then, i left my friend's house and started to drive. I stepped on the gas pedal to drive forward but i forgot that the car was still in Reverse mode. So i hit the Lexus car which was behind my car and luckily no one was in that car. There is damage on that car's left side headlight and left-side of the bumper. I wonder how many points will my insurance raise ? i just got the license like a few months ago and this is my fist accident. The SUV Lexus car's parts and labor fee is really expensive so i might don't have enough cash to pay them thou. (estimate $3000-$5000)""

How much more is it to insure two personal cars vs. one?

I am just one guy, I live by myself and nobody drives my car but me. I keep insurance on it but conditions may turn out that I will end up with a 2nd car. I would ultimately drive them both and have them insured but how much is it for one person to insure a 2nd car? Is it (premium of one car) X 2 or more like 1.5(P) I hope this wouldn't be too expensive and make it not worth it.""

Is there any dental insurance to recommend for adult orthodontics?

I am 26 years old, and I want to wear braces. I try to enroll a dental insurance to save money but failed to find one that covers orthodontics for adults of my age. Can anyone give me any recommendation for the dental insurance? Many many thanks.""

Is Geico auto insurance liability only?

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

2002 Toyota Corolla vs 2000 Honda Civic?

which one should I get and why? I am planning on getting one of these cars next year when I turn 18 to use just as a daily driver to get me home to school and work and every now and ...show more

What is insurance likely to run me on these bikes?

I am 20 years old, have about a year of car insurance so far but the car is messed up and I plan to get a motorcycle (hopefully). I have taken the MSF course and passed. I have not had any tickets or accidents either, clean as a whistle. I am looking into a small bike like the 250 ninja, vulcan 500, or the V-star 650. About how much should I expect to pay?""

How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?

Can i get insurance then put modifacations on my car?

Hi i am getting a mk 2 golf and will be modding it out with rims tint lights and lowering suspension. If i get the insurance quote at 4grand and then put the mods on the car is it a year of cheap insurance or do i need to tell them i have altered the car? Thanks.

Where to find affordable dental insurance without a waiting period in Michigan?

I need to have my wisdom teeth taken out and I currently do not have dental insurance. Where can I find affordable dental insurance that will cover an oral surgery right away. I don't know how much longer I can wait.

How can i get insurance?

I cant find any decent prices. The cheapest i found was 255 pounds every month for a 0.9 Litre Fiat seicento, its a horrible litlle car and it cost too much to insure anyway, and the mpg its pretty bad for 0.9L petrol, 35.8mpg Anyway where can i find a decent price for a 18yr old that lives in lonon, 0 NCB, hold a clean licence for 2months""

What are legal steps to resolving an auto insurance claim?

Allstate was supposed to compensate me for X amount of damage done to my car by the driver who had insurance upto 5 grand. Notice that I did not have insurance with AllState but that because the driver was at fault, and had coverage of upto $5000, AllState has agreed to pay me a portion of that 5 grand. However, the problem is the driver who was at fault is not agreeing to this and demands more in loss from AllState. Whereas, although, I myself deserve more in damage since the car was worth more than the amount I am being compenstated for, I have still decided to settle for less. Now because the driver is delaying the decision to accept the remaining amount out of 5 grand, this case/claim has not resolved SINCE 2010. They wouldn't send me check yet only because the driver needs to accept the offer also. My theory is that whether or not the driver finds the offer fair, is none of my problem. I shouldn't have to wait for 2 years only because the driver refuses their offer. I should get my share at least. Do I have a legal case against the company for taking too long in this regards ? What can I do to resolve this ?""

About How much would insurance be for this car?

It's a 3000gt SL. I heard if I got an alder camaro it would be around $145 a month, but will go down depending on how long you go without tickets and wrecks. So yeah, a 1992 Mitsubishi 3000gt SL.. Thanks""

California auto insurance???

back in may i was driving someone else's car someone backed out of the drive way and hit me minor damage on back bumper. i gave the insurance info of the owner of the car since i didnt have any and it was her fault didnt think it was that big of a deal to do that if it was not my fault i recorded my statement months back but now they want me to re record my statement they said they lost it so giving the insurance of someone else that was not driving is that illigal what kind of trouble can/could i get in to? IF ANY??

Teen insurance question?

this is just a hypothetical question. but say your 16 and got a bmw 528i, 2008 version. what would your insurance rate be? including the following: you took drivers ed. family has 3 cars, so add the car into that pile. etc. thanks. ****JUST WONDERING****""

Should we have socialist car insurance?

Is it unfair that people pay different amounts for their car insurance? Doesthis constitute discrimination against people who have to pay more? Should we socialise it so that we all pay the same rate? Why or why not? :-)

Cheap car insurance for 20 year old?

im new to this im 20 getting my license in ont canada and need insurance i am very cheap will be buying a car 500-700$ and want the cheapest insurance possable il fix my own car if its possible i just want to be legal cause insurance is ridiculous ty everyone

A question about how much will insurance cost?

i am looking at a few cars , toyota mr2 which should be cheap on insurance because it's a classic car and im looking at a renault clio 1.2 now im just wondering because im nearly a 17 year old and wanting to know how much would insurance cost on these 2 cars thanks people""

How much will insurance be for a MarkIV Supra TT?

I'm 19, I've never had any bad driving history that's recorded, I've been insured for two years. I'm single and have a job that can certainly afford the car. After looking around I've seen lot's of factors that affect the price but I'm just looking for a number for an answer. of course I'm not expecting it to be entirely accurate but I'm looking for anything close.""

I wanted to know how comes my insurance is so cheap now but when i did it 7 moths ago it was 2800?

so 7 months ago i got my insurance third party fire and theft with 2 additional drivers me as first driver and i am 20 for 2800,, and now i checked with the same details i did last time i didnt put down any experience or anything did it same exactly as last time and its about 1950 now ??? wth did i get ripped off? car is a vuaxhall corsa 2000 model""

Car Insurance Prices??

I'm paying around $400/6 months for my car insurance (liability package, not full coverage). In the last 3 years I've had one ticket, for failure to come to a complete stop at a stop sign on an empty road just because the cop felt like being a prick. Which was like two years ago. I'm 23, and my older brother who has two cars, one of them being an expensive sports car is paying $50 more than me / 6 months for FULL COVERAGE. Why in the world are my costs so damn high? Any suggestions for lowering them? State: WI""

Are insurance companies to blame for high medical cost?

I know there are other factors such as smokers/obese people, lawsuits, and people who don't pay their bills. But i'm wondering if insurance companies are one of the biggest reasons to blame for the ridiculously high cost of medical services and equipment? The reason I wonder is because the prices of medical care are so ridiculously high, but it seems like doctors can simply charge any price they want, no matter how ridiculous, because the insurance company will simply pay it. Unlike if someone was actually paying out of pocket and would actually say your out of your mind for charging that much, you won't get my business . I mean, seriously, even if doctors charged $70 per hour, thats still a high wage for them, and it wouldn't be too unreasonable for an hour of medical work, yet I hear of doctors performing various simple procedures that take like 5-15 minutes and charging hundreds or possibly thousands of dollars. Same thing with medical equipment. It seems any device classified as a piece of medical equipment sells for 10 times what it should reasonably cost to make it. Any level headed person would say they are insane for charging that much. But insurance companies simply pay it, and pass the cost on to the people. Making it so the people are basically getting ripped off through no choice of their own. And making it so people who don't have insurance simply cannot afford to have any care. PS: Another example of medical equipment. Just look at a hoverround wheelchair I've seen the retail price on those be over $9000, just for a middle class one. For a freaking electric wheelchair, that isn't even very great quality since they break down alot. You can purchase a brand new kia or hyundai car for like $7000-$9000. Ridiculous.""

""Conservatives, what is your overall opinion on insurance companies?""

Particularly: a.) Insurance companies that practice rescission in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.""

Insurance on an el camino?

I'm thinking of getting an el camino, late 70s or 80s, and I'm a new 17 year old driver, I was wondering what ibwould have to expect on insurance? From what I've heard it's considered a pick up, so it as close to a muscle car I can get without having to pay super high insurance, how much would decent coverage cost me with a v8? And what if I had gotten an SS model? Im not sure which one ti get and I want to know if there is a huge difference between them, obviously I won't be paying it on my own, my parents are until I get a job, so how much woukd it general cost? Considering one parent is 48 hs dropout, other is 38 graduated college, if it helps any at all. Regardless of the answer thank you for your time.""

Cheap motor insurance?

hi everyone... my hubby is tinkin of getting a new mitsubishi lancer sports edition (A) as a weekend car. only problem is insurance. he's 24yrs old n just got his license a week ago. he's been ridin a bike for the past 4yrs but insurance companies say it is not counted as driving experience. N their quotaions are arnd $4k which is very ex... any help will be greatly appreciated thx:)

How do you renew you social insurance card?

my boyfriend lost his social insurance card and he would like a new one...how does he go about getting one and how much does it cost?

Do i need to be a full time student to be covered for medical insurance?

i've always been told that i need to have at least 12 credit hours a semester in order to be covered for health insurance. with the new obama health care is this still true since most 23-26 year olds do not attend school anymore?

Can my insurance company help?

My 125cc bike has seized?? the garage have told me there is no point in repairing it :(. I dont have a lot of money, and am trying to do my test would it be worth trying to fix it? Would the insurance company be able to help me? Would they be able to provide me with transport until i get a replacement? What engine size bike can i get if i pass my standard bike test?""

What are the associated costs of adding different types of coverage to auto insurance?

What are the associated costs of adding different types of coverage to auto insurance?

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

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

What types of policies have been losing money for insurance companies?

Are property insurance policies in Florida (Hurricane area) still costing insurance companies? Any other kinds?

Cheapest auto insurance for young drivers?

Who do you use and what are your payments a month on your vehicle. I'm trying to get an idea of what my insurance payments are going to be and I'm not sure who to go to. I'm looking at buying a scion tc. Anyone that you do NOT recommend using is highly appreciated also. THANKS!

Affordable health insurance new jersey family?

anyone know of affordable health insurance in new jersey for self employed 1 person needing family coverage?

How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?

Car insurance for a 15 soon to be 16 year old?

so i am looking at getting my first car and so i need to be thinking about car insurance and my grade point average is like 2 something. i have american family. any ideas what their rates would be.??

Best oklahoma home insurance companies?

What are some good homeowner insurance companies other than State Farm?

What do I do about car insurance when I join the military?

Do car insurance companies offer discounts on car insurance to those enlisted in the military. I'm going to be going off to the air force soon and I've decided i'm definately not taking my car. If I happen not to sell it either and just leave it at home, how do car insurance companies help with that? Do they give discounts to those away on military duty?""

Car insurance?

My car got stolen on friday night,i had my partner down as a named driver ,but i didnt relise he had 3 points on his license and i didnt tell the insurance company ,now they have asked for both license`s to be sent in, im the main policy holder would this affect the claim thanks any advise""

Do i need car insurance in my name?

My brother and me are sharing a car, I just got my license and my mom says i dont need to worry because the insurance covers the car not the driver, i live in texas, is this true?""

How do I sell Health insurance in California?

How do I sell Health insurance in California?

Baby insurance?

I currently have insurance through AmeriGroup in TN, and i was wondering if i have to get the baby their own insurance before they are born? does anyone know anything about this? my husband and i were a little surprised to be pregnant, and so our maternity insurance didnt kick in and we will not be able to add the baby to it.""

""My husband and I are self employed.....We are shopping for health Insurance, what do recommend?""

We are looking for affordable health insurance, but I don't even know where to begin....If you are self employed, who is your provider and why?""

How much does car insurance cost?

I am 17 years old and looking to get a car immidiately, althought I've only had my G2 for a week. I'm looking to buy a 2door Pontiac sunfire, anywhere from 1998-2002. My dad is a single parent, with one vehicle, and a perfect driving record. How would me and my dad go about to find thr cheapest insurance possible? Would I be the primary driver on the car? How much does teen insurance under a parents insurance usually cost per month and year? THANK YOU! EASY BEST ANSWER GETS 10 :)""

Which state does someone have to live in for cheap car insurance?

Which state does someone have to live in for cheap car insurance?

Insurance cost for drivers under 21?

For Car and Motorcycle. Don't need exact numbers, just a rough estimate.""

How much will I be paying in car insurance if I'm a 23 year-old person?

Im a 23 year-old college student and have just gotten a car. I have always gotten a ride with my friends. My father just added me into his policy and it looks like I will be paying $224.11 for 6 months liability coverage, is that normal? I will be driving a 2001 Mazda Millenia. Also, what are the cheapest insurances for young adults? Thank you!""

""When you have a deductible with car insurance, who do you pay the deductible to after getting into an accident

I was in a car accident with a hit and run driver and I have collision with a 500 deductible. So when and to who do I pay my deductible to? And who does my insurance pay their portion to; me or the repair shop for the repairs on my car??

Health insurance help?

usually, how much does it cost monthly for health insurance in california, marin county?""

Can you give me some names of reliable health insurance companies?

I need a health insurance policy for my child.

Car Insurance for a New Driver?

hi, I just got my license like 2 days ago and I have a question about car insurance. My dad won't let me drive until I get insurance, but he said I have to wait until I actually get my real dirver's license card in the mail. When I asked the dmv how long it would take for me to recieve it, they said like 4-6 weeks. So I was wondering if the insurance company will allow me to have car insurance coverage with my temporary license, or do I actually have to wait until I get my card license to be able to drive. Because if I'm not allowed to get insurance with my temp paper license, then does that mean I'm not allowed to drive? Because then I won't be covered if I get in a car accident right? So I'm not really sure on how this works. Please Help! Thanks""

Showing proof of insurance after citation (in Texas)?

Hello, i received a citation for driving uninsured a couple days ago (my court date is the 15th). I got a letter in the mail today saying i would have to pay a fine of $300.... ...show more""

Why are the big insurance companies so much cheaper?

I am getting off my parents auto insurance and getting my own. The Quote from the agent my parents use who is local to the area was nearly two hundred dollars more per year than the quote i got from progressive. Is there a reason to use a local company? he tried to sell me on customer service but i only deal with my insurance company maybe once or twice a year so i'm not sure that its worth $200 to me. Is there a reason to use a local company?

Can i drive my car without insurance for the time being in California?

I'm 16 and i just got a new car yesterday. My parent's have already added my name to their insurance, but that was before they bought me a car. Can i legally drive without insurance for the time being?""

What is more important? Health Insurance or House/Car Insurance?

If you could only afford one. Which would you pick? Health insurance or House and Car insurance.

Car insurance switching cars after 2months?

Bought a car from auction and got it insured ( my first car) but not liking it so looking to re-sell at auction. Just wondering how the insurance will work if i wan tto change it to a new car after such a short time??? willl it cost me alot to change ] thanks

Where can I get some good cheap SR-22 insurance?

I'm in the Chicago area. I need SR-22 insurance as it's required by the state. My license was suspended and it expired soon afterward. I trying to get my license back. So I need SR-22 insurance for someone who was an expired suspended license. I don't own any vehicles either.

What is the best motorcycle insurance for military personnel?

i am joining the military and i was wondering what insurance company offers the best rates for motorcycle insurance for a 19 year old male?

Why do most people try to scare young drivers with large insurance costs?

I am a responsible teen. Why do some people try to tell me I'm not? I hate generalization.

Car insurance on a ROUSH.?

How much would it cost for a 17 year old, with no tickets and had never gotten into a wreak, to be covered on a 2007 mustang roush?""

How to get cheap car insurance?

im 17, my mates have got theres for just over a thousand pounds, but all my quotes are 3 thousand plus, how can i make it cheaper? like by putting my mum as a driver or?

https://www.linkedin.com/pulse/tuve-un-choque-que-tan-bien-volvera-quedar-mi-auto-steven-garcia/"

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alfa car insurance

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We have affordable car insurance and the gov't doesn't get involved in that, do they? Am I the only one who thinks a few of these industries (insurance, pharmaceutical) should be regulated?""

Will the cost of my car insurance decrease if I have a provisonal license?

My friend told me this but I think it's rubbish.. I am 17 next week and he told me that if I get a provisional license now and get all my lessons done/pass my tests and get my full drivers license, then wait until I'm 20 to buy a car, the insurance would be cheaper than if I passed my tests when I am 20 and buy a car straight away. (assuming I use the same company/ deals) Is this true or is he charting ****?""

What is car insurance like for a 16 year old?

I've had no suspensions or tickets, and im wondering what yearly insurance would be for a 2005 4 dr chevy cobalt, or a 2005 dodge sx 2.0. Please don't give me links to websites, because I want to hear first hand opinions! Thanks!""

How much auto insurance must I have?

I want to know what are the legal limits on car insurance in the state of Ohio for a financed vehicle? I have an 06 Mazda and an 07 Hyundai. They are both financed. How do I go about figuring out the lowest limits I can legally have? Thank you!

How much would 21 yr olds pay for car insurance with no credits?

How much would 21 yr olds pay for car insurance with no credits?

Fire insurance in south florida?

I know I will never be able to afford full house insurance in south Florida. But I would like just fire insurance. any ideas? thanks

Average cost of sr22 insurance?

What is the average cost of sr22 insurance?

Health insurance for baby and me?

We just moved to Illinois ( near St Louis) from California and I'm having a hard time finding insurance. I was on medi-cal in California due to pregnancy being a pre existing condition and my husband's insurance wouldn't do anything about it. I keep getting the run around when I call the state insurance out here. I'm just wondering if any of you live out here or have any good information on where I can go or what insurance I can get on for cheap. I'm almost 29 weeks and I need to get into the doctor ASAP! Any information would be extremely helpful!

Question about Motorcycle insurance?

If you crash your bike solo will your insurance cover the damages

Can I switch Car Insurance 2 weeks later if I am financing a car?

I bought a car and I am financing it through the dealership. I got it insured but now I found a cheaper premium through a different Insurance Company, so I would like to switch. This is about 2 weeks after I put it on the original Insurance Company. And is there a fee for canceling the Insurance so I could switch to the other company?""

Should I pay my car insurance premium?

I purchased a car for my daughter last August and paid the annual premium. In November the insurance company said I cancelled her coverage and they issued me a refund for the remainder of the policy year (thru July). I didn't know what the refund was for, but deposited the check anyway. I don't know what I did to cancel coverage (for just this vehicle, all my other vehicles remain covered.) I don't dispute that I must have done something.... In April I found out I didn't have coverage for this car by my accidentally calling the insurance company about another question. I asked for them to reinstate the coverage immediately. They did and sent me a bill for the full amount of the refund, plus another $176. I feel I should only pay insurance for the remaining two months on this year's policy since, if I would have had an accident, the insurance company would not have covered me. They say they can't charge me for just the remaining two months, but that they have to bill me the full amount (plus what's with the additional $176 charge?) I'm thinking that I should just go to another insurance company and get the car covered. Any thoughts?""

""Planning on buying a newer car, wondering how much my insurance will go up or if it will at all?""

Right now I have a Ford mustang, and i'm paying about $800 every 6 months, i'm planning on getting a 2006 Grand Prix so since it's not a sports cr but it's newer will my insurance rate stay the same? Will it go up? Or am I lucky and will it go down?""

""At what age (16-death) do we spend the lowest total amount for all our insurance, combined?""

For teenagers, especially males, car insurance is very expensive. For anyone 35-60, it costs less than for anyone 18-25. Also, for anyone under 25, it costs much more for males than for females. Health insurance is inexpensive for males from 18-40 and for those females from 18-40 who do not need pregnancy coverage. It is more expensive for anyone 50-65 and for females who do need pregnancy coverage. If you combine the cost of health insurance, car insurance, and all other insurance, which demographic groups (age, gender, etc.) spend the most or least total amount on all their insurance, combined?""

""Car Insurance / Mother or Father as First Driver, me as Second?""

I'm trying to sort out car insurance, but the problem is, is that it is very high, Ive never done this before as Im a first time driver, but a lot of people have told me to put my parents as primary drivers and me as secondary, how do I do this? I really have no idea, thank you I'm using gocompare.com but how do I enter my parents in and then as secondary, thank you very much""

How much will it cost to put a learner driver on my car insurance?

How much will it cost to put a learner driver on my car insurance?

What is the cheapest car to insure?

My Boyfriend has just passed his theory test today and has his practical test in a few weeks. He's 19 years old and we live in England. He wants a cheap car to insure but all are really expensive the cheapest insurance he can get is on a Romeo Mini for 2,500 a year. So i was wondering if anyone could tell me which is the cheapest car to insure and who with? Thank you for your help, Secret""

How do I get insurance for my new car?

Ok so I've been in the market for a new car and I've pretty much decided on a Honda Civic. I'm trading in the car that I currently have insurance for. Obviously you have to have insurance to drive off of the lot in your new car..So do I have to get all new insurance for my new car? How do I do that when I don't even have the vin or anything? Or does my current insurance count? Please help! Thanks

Am I paying to much for car insurance?

I like in Tempe, AZ. I am under my parents insurance and I'm paying $200 a month for car insurance. I drive a Toyota Yaris 2007. At first I thought what I'm paying for was wayyyyy to much, but I got some quotes from other insurance company's and they want me to spend more?! What the heck? Can anyone help me out?""

Car Insurance Comparison?

Is there any website that will allow me to get quote for different insurance company at once kinda like priceline for plane tickets? I would like to be able to shop for the best insurance with the same criteria that I want. Thanks!

How much is car insurance for 18 year old?

How much would car insurance cost under Allstate in North Carolina for an 18 year old boy? I drive a 2003 Ford Ranger if it helps, I'm a safe driver and do good in school?""

Is there any insurance policy for critical illness ?

Is there any insurance policy for critical illness ? I mean if someone is suffering from any critical disease for long time.

alfa car insurance

alfa car insurance

Auto Insurance in California?

I'm a new driver, all I have is my Permit right now. I'm trying to find insurance that isn't going to ream me financially. Also, don't you need insurance to get registration/new tags....or do you need the registration to get insurance? GAH, SOMEONE HELP!!! (And, if you're going to be a smartass, don't bother. K? Thanks!""

How much aproximately will my car insurance be for a peugeot 306 for a new driver?

the car is 1.4 engine size and a 1999 model

Why do car insurance companies do credit checks?

I have just renewed my car insurance and made a massive saving from 162 per month to 79 per month. But the first few wouldnt let me pay monthly because of my credit history. Why ...show more

Average heath care cost for 23/f single?

I am getting ready to get insurance on my own and have no idea what it is going to cost me. My job will pay half. what will that cost me?

Can you force a health insurance company to keep you insured?

I am a student going on 25, and I have health insurance through my parents via their employers. At 25 my health insurance company will drop me. If i have a chronic illness that requires medication to control and regular check ups can I keep my health insurance from dropping me? If so how would I do that?""

What would be the best way for me to minimise my car insurance?

Ok, before I start, I DO know that its not going to be cheap but I want to figure out the best way to get insurance. (This is in the UK by the way) Well, I turned 17 a few days, got my provisional today, and am thinking, uh oh - look at these insurance quotes. Is it a good idea to get my name added onto my parent's insurance policy? They're with Tesco car insurance. Apparently this lowers costs but is it worth it, and is there anything better? Also, do your public exam marks make any difference? I got good grades in the summer, A* in every subject, so does this help? The car is a NISSAN PRIMERA S TD 2001 1974cc Five Door Hatchback Manual Diesel. So it's not really a new car, and its silver in colour. The mileage per annum definitely won't exceed 5000 miles. Any help is appreciated, thanks.""

Insurance Quote for teenage driver?

Can you give me an estimated insurance rate based on the following - 18years old college student with 2 years foreign driving experience, one week old US drivers license - Never involved in any accidents - Toyota RAV 4 2009 4WD""

Does an expired MOT invalidate insurance when making a claim for my car stolen from a private driveway?

I had no idea that my mot had ran out, when my car was stolen from a private driveway (not on public road) My insurance say i was in breach of the policy. But where do i stand legally with the car being off road when stolen? The insurance quoted no payout if there's no mot when one is required by law! Is there a loophole i can use""

I need help getting coverage for an infected wisdom tooth. Does anyone know of an affordable dental insurance?

I have a wisdom tooth that is close to a facial nerve so I have to have a specialist pull it. Does anyone know of a dentist insurance plan that is affordable that doesn't have a wait list and that covers oral surgery? Or does anyone know of a dental office that will take payments? I have called around everywhere and seem to keep hitting dead ends

My car engine locked(died) should i report it to auto insurance (Geico)?

I have rental car coverage on my policy, I was wondering would reporting a claim to my car insurance company about my car engine locked will it raise my insurance rate. I was driving my car and the engine died on me. I really need a rental until my car is fixed.""

How much would i expect to pay for insurance?

I live in New York, I am 17, i have my car and motorcycle license. I took the motorcycle safety course that was offered. I have had my drivers license for over a year. I got it on dec 29 and i have not gotten any traffic violations. I dont know if any of this matters, i have excellent grades, i have ridden motorized vehicles for years. It is a 1999 CBR600F4 has 18,500 miles on it. How much would be a reasonable estimate without collision? with collision? how much did u pay? If you are 17, 18, or 19 how much do u pay? Thanks!""

Motorcycle to Car insurance?

hi, is it possible to switch a motorcycle insurance to car insurance? i sold the bike coz i got a car and i paid a 1 year insurance for the bike...i have progressive, so is it possible to switch it or i just have to get another one for car? thanks!""

Question about car insurance?

I have divorces parents. one lives in philly and one lives in collegeville. I'm 18 and I'm shopping for car insurance and obviously it would be cheaper to be on my dads in collegeville. I live with him part time, so if i changed my state address to his, would I be able to go on it?""

Auto Insurance Broker fee in CALIFORNIA?

What is the average auto insurance broker fee in California. What's the minimum and maximum broker fee? My auto insurance bill states the total costs for my six month policy premium is $200.00, but I paid the broker $275. How is it calculated? I just want to make sure he didn't over charge me. If possible, please include links. If I call my auto insurance company, will they be able to tell me or will I have to call the broker and find out. Your assistance is very much appreciated.""

Cancer survivor getting health insurance or life insurance.?

I'm a childhood bone cancer survivor. I had osteosarcoma back in 1992 and had my leg amputated but the cancer never returned and the only issue after is I can't donate blood. I'm Canadian living in the province of Newfoundland. and while Canadian's have most of their health care covered though taxes most medications, private rooms, ambulance services, dental, and other services are not covered by all provinces. ( the big one for me is no coverage of prosthetic limbs) I was covered under my parents health insurance and will continue to be covered until I finish university. I'm also covered partly under my Fiance's work health insurance ( not very much) I'm getting married in 2010 and want to get some extra coverage for myself and any future family. I also want to get life insurance because I want my Fiance and family taken care of should any thing happen. The only other health concern I have is hypothyroidism. but I'm on medication which controls it and it's not serious. Can I get life and health insurance. any experience from other cancer survivors would be appreciated.""

Car Insurance and Tornadoes?

Just curious since I live in the heart of tornado alley in Southern Kansas... Say if my car was at home or at a store or other place of business and a tornado destroyed or damaged my car, will my insurance cover the damage? Full coverage.""

Need SR22 insurance quotes?

I'd like to have an idea of the total fees for SR22 car insurance. If I can get a price range that would be great! thanks.

A few questions about SR-22 Insurance?

Alright, so I'm getting slightly annoyed of the DMV as I've visited them three times already an had literally no progress made in all those lame visits... Anyways, I only got insurance so I can drive, but my car has failed smog three times now so that wont be happening and I'm now paying non-owner SR-22 insurance. Here are a few questions I have about the SR-22 and any input would be much appreciated. 1) What are the exact consequences if I choose to cancell my non-owner SR-22 insurance? I acknowledge that I will have to restart the process all over again when I want to reactivate it, but will the price be raised even more and the time frame? 2) Who do I call to find out how long I have to have SR-22 insurance; DMV or Local Court? 3) When does the SR-22 officially get activated, when the judge orders it or when I first started paying for the insurance? (I'm asking this because the insurance company I'm with is saying I shouldn't cancel because it will restart; I got the DUI 2 years ago and acitvated the insurance about 2 mounts ago.) I'm planning on going to a 4 year college so I don't want to be paying not to drive...! *I live in California if that helps you answer the question.""

Low car insurance?

I wanna get a insurance for my car. it's a 1995 Pontiac Firebird. I got my license when I was 18 and now I'm 21 and I have a clean record in state of California. I just need a cheap insurance. How much is it gonna cost me each month? Which one is the cheapest one?

Motorcycle Insurance?

I am currently trying to get a motorcycle license and I'm wondering if there's any insurance company that would insure me. I'm 18, in California and I don't have a drivers license yet. I have passed the written test for a drivers license but haven't been able to schedule a behind the wheel test yet because my family's lack of cars (mom/dad uses them to get to work until ~8). So while I'm waiting for that to happen then I'm might as well try to get a motorcycle permit because we have my dad's old (but not so old) one. But question is, is there an insurance company that would insure somebody like me? Price isn't too much of an issue because I have a job with no added financial duties so to say.""

How are car insurance companies regulated?

Are car insurance companies regulated by any state or federal offices?

Is it possible to argue with the insurance company against totaling the car?

The insurance company wants to total the car. I do not. The insurance adjuster's estimate and the body shop's estimate is below the insurance company's valuation of the car (even adjusting for the insurance company's salvage value). The policy defines when they can total the car, when the repair cost is greater than the value + salvage value. It is not there yet. The insurance company is also cheating by unreasonably saying the value is low but even with that, the repair is less. How to I go about changing an insurance company bureaucracy so that they follow the policy?""

Where can I get a good car with cheap car insurance in UK?

I'm going to start driving soon and wanted to know where to look for a good car with cheap car insurance. I just need a car that can get me around to places.

Looking for Good Affordable Health Insurance?

Im 20 a year old woman in college, I recently found out I was pregnant. I want to find affordable health insurance coverage for me and my unborn child. I dont want to rely on government assistance. I was jus wondering what should I be looking for in health insurance, and maybe some suggestions in policies or insurance carriers! Thanx a whole bunches!""

What type of car would have the cheapest insurance? Over 25 but 2 dui's... I know... stupid...?

I just got my release for my license back and am looking for a new used car. I'm also trying to keep the insurance price down (I'm sure like everyone). Any suggestions on a type of car or insurance company that would be good to use please let me know. thnx

alfa car insurance

alfa car insurance

Does insurance follow the car?

I have a license, and want to drive, but i can't afford a car of my own. I want to drive my grandmother's car, but my mother won't let me because your insurance doesn't cover that . But, i thought that the rule of thumb was that the insurance follows the car? If i was pulled over in my grandmother's car, and she had insurance, and the insurance i have copied in my wallet is under a different car, would i be in any legal trouble?""

Any car insurance which insurances foreign cars?

Hi! I live in Italy and I am italian. I heard that there are some english insurance which insurance cars and people in foreign country. Is it real? do you know anything about that? Could you give me some advice about that? I am waiting your answers! Bye!

What is proof of insurance?

I am still on my parents insurance and was planning on renting a car(yes, I' am old enough). They require proof of insurance when renting and I was wondering how that works. Do I just show them my parents proof? And is it just the paper work in the glove box of one of our cars?""

I am after cheap public liability insurance for my bussiness with $5000000 cover in Australia?

The best price i've got so far is $476.63, but I want to pay less than $250 if I can, and I do not care if they are not an Australian company.""

""Car Insurance, which one is best?""

I am a 22 yr old, i am buying a truck tomorrow an 04 ford f150 and I was wondering what insurance place would be best for me. Ive never had car insurance before (I drove my dads old truck and made the payments and insurance payments but it was under my parents name so it would be cheaper) If anyone has any ideas i would greatly appreciate it!""

What height/weight ratio will get me best life insurance rates?

I want to replace some ART life insurance with level term. But I'm worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.

What is affordable car inssurance for new drivers?

What is affordable car inssurance for new drivers?

How much does having a reliable car and insurance effect child visitation through the courts?

Here in California

How much is motorcycle insurance for a 150cc moped?

I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no ...show more

How much will i save on my progressive auto insurance by parking in a garage?

is it a big savings? any estimated dollar amnt? i live in an average sized city in MN if that makes any difference

Cheapest car insurance please?

hey i hope some1 can help me out. i am 22 years. i recently passed my driving test, on the 21/07/2009. i also bought a car honda civic. 1.4l i am looking for the cheapest car insurance possible. because i am full time student. and work part time. i wouldnt be able to afford paying 2000 annually. please if some1 knows where to get cheap car insurance for new drivers, would be very appreciated cheers""

What insurance is the cheapest a month?

for a 16 year old that drives a 98 ford explorer 4 door 4wd. 4.0L V 6. it has a lift on it i dunno if that effects it at all. i;ve looked around but all it shows is like 2 grand. and i know it aint 2 grand cause my cousins 17 and she has an 05 mustang gt. by the way i live in tn. dunno if that helps. and i have 230,000 miles. no wrecks or sitations.""

Best car for a broke teen driver?

I'm 14, so I wont be getting the car for another year or so. I'd be paying for it myself, so I'd like it cheap, with good mileage and cheap insurance. I'd also like it ...show more""

What is the best car insurance for a first car and someone in the early 20s?

Hey guys.. So, i'm only 22 years old and i'm looking to to buy my first car really soon but first i want to find a good and affordable insurance agency. So far i'm looking to compare the following insurance companies: Geico, State Farm, Progressive, State Farm, etc. Any other suggestions would also come in handy.. Thank You!.""

Is it possible to work part-time and get health insurance? ?

I have a really good part-time job that doesn't provide health insurance, but I like it and it pays better than most places in the small town where I live. I need to have health ...show more""

Insurance pricing difference with different car brands?

Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""

AAA driving insurance questions?

my cousin is 16 and he wants to know how much driving insurance cost if you have AAA. he's a high school student, good grades, and etc... how many discounts will he get and how much does he have to pay each month?""

Which of these cars would be good for a first driver? Which one would have the cheapest insurance?

1. 2005 Ford Five Hundred 2. 2000-2005 Jeep Wrangler 3. 2000-2005 Honda Accord 4. 2007 Dodge Caliber 5. 2004-2006 Mazda 3 6. 2006-2007 Volkswagon Jetta Please Help!!!!

""Where can I get insurance, I want to play a sport but I don't have insurance ?

So im thinking about joining sports in school but I don't have insurance and does state farm sell that kind of insurance or any other insurance company

""I need health insurance but can't afford it, please help.?""

I am a 22 year old female, I work full time at a minimum wage job that does not offer benefits. I am a diagnosed bipolar and need medication for it that I can't afford without insurance. I also need health insurance because I need to pay for therapy, medicine for over active bladder, acid reflux, insomnia, and muscle injury. I have a lot going on and need to know if there is any way I can get cheaper insurance. Please help me.""

Car Insurance increase after moving?

I have just moved house and my car insurance has increased by 160. I have only moved half a mile from my previous address. If I ask my insurers to provide justification and proof for this rise (ie - why the area is higher risk) are they obliged to provide me with it?

How to estimate landlord insurance?

Landlord insurance Flood Insurance Are there any sites that give an estimate based on the location of the house? I'm looking for something that doesn't ask for all of my info before giving out an answer (because that's their outdated marketing tactic).

Cheapest Scooter Insurance for 16 year old?

I just turned 16 and want to get a scooter The actual license and scooter isnt too expensive 50 for provisional, 89 for CBT, bout 20 for the thory and 60 for practical However, insurance is a pain!! :/ does anyone know who the cheapest insurer is for a 16 year old? I would love to be able to drive on the scooter but insurance is too much. Also, what is the best scooter to get. By best i mean a scooter which has the cheapest insurance? THanks a lot!!""

Seriously what are the cheapest cars to insure in the UK?

alright so iv had enough, so im 17 and passed my driving test so im looking for a car, the cheapest cars iv found to insure as of december last year were a classic vw beetle or a 03 ford fiesta. i checked again and the fiesta has shot up in price for insurance now but the beetle has stayed the same but still not cheap. iv tried everything from little corsa's, clio's, punto's, peugeot's, everything, they are all really expensive, the vw beetle would cost 3000 third party fire & theft, every other car is 4000+ i mean a 2000 rover 25 would cost me 5300 to insure. seriously what is the cheapest cars to insure? i don't want names of companys that do cheap insurance i just want cars that are cheap to insure.""

If insurance companys are so evil like Obama says?

then why is he pushing for more coverage. Why not make health care more affordable so we wouldn't need it so much? have you ever seen so many soft balls thrown at a new ...show more

alfa car insurance

alfa car insurance

Buying insurance for an old car -- collision option - worth it?

I'm buying a 1995 car for about $3,000. The insurance company said it isn't worth buying collision insurance because the car is worth so little. They also said if in an accident, the repairs needed are more than the car is worth, they won't repair it. Instead, they'll pay book value. So, if my car got in an accident that would cost $4,000 to fix, which is more than the car is worth, would they pay for the car's value at $3,000 or for its value based on how much it's worth after the damage? So, if the car is worth $500 as is after an accident, is that how much I'd get? thanks""

Car insurance question?

How do the authorities find out that you have no insurance on your car? I know that if you are pulled over or whatever you can be asked to prove you are insured to drive the car and all, that much is obvious. Thing is, I called up to cancel my insurance on a car which isnt working and Im waiting on being scrapped. The insurance company said that its illegal for the car to be on the road without being insured, regardless of wheither or not its being used. As it turns out I am gona have to keep theinsurance for a few extra days until the car is uplifted, but it got me thinking. If Im not using the car then theres no chance Id be pulled over, so is there any actual way that anyone would find out a car in that position wasnt insured? Other than something like tha handbrake slipping and it rolling into the parked car in front or something. Cheers!""

Is it a requirement to let home insurance company before installing Trampoline in the backyard?

my neighbor told me that it is very necessary to tell your home insurance company before installing trampoline in the backyard and after that they will raise your insurance rate. I wanna know if this is true or not??

What is an insurance quote?

how do I check what insurance is the best?

Health insurance just for the baby?

What health insurance is out there that i can just get for the baby? My current job offers family coverage to what i have now but it will be $83 EXTRA per WEEK for family...thats over $300 per month! i was wondering if there was a health insurance program that would do just the baby. THOUGHTS ANYONE?

I suspect I may have cancer in my thigh but no insurance?

Over ten years ago I went to a doctor to exray a hard fat tumor in my thigh. He said it was nothing. Since then it has grown massively and is no longer movable, aches and seems very suspicious. Since then I had insurance through my sisters business but it was cancelled at the end of May. I did not know this but after making an appointment with an oncologist I had to cancel since I have no insurance. I know to get new insurance, they must have some sort of a waiting period for them to pay for anything due to the pre exsisting condition clause. Is it 3 months? Six? I don't know. But I am wondering if anyone knows of any other options of anything I can do?""

What is insurance expense and preaid insurance ?

A review of the ledger of Khan Company at December 31, 2006, produces the following data pertaining to the preparation of annual adjusting entries. 1. Prepaid Insurance $9,800. The company has separate insurance policies on its buildings and its motor vehicles. Policy B4564 on the building was purchased on July 1, 2005, for $6,000. The policy has a term of 3 years. Policy A2958 on the vehicles was purchased on January 1, 2006, for $4,640. This policy has a term of 2 years.""

""Just bought a used car, can he temporarily get away with liability insurance?""

My friend just bought a used car (2004) with a loan, of course they want full coverage insurance but the quote from progressive was outrageous. He can't pay it this month, but says he can budget it in for next month since he took on a 2nd, part time job. He wants to call another company and get liability insurance on it, at least for a month, is that possible? I know they run the car information pretty quickly, but what could they do?""

Car released to my insurance company?

my car has been released to my insurance company, for them to ascertain whether my car is repairable or is a write off, the car an MGTF Convertible was burnt to dust at the week-end and no courtesy car has been provided, making my journey to Edinburgh from Glasgow and back again every workday a bit of a nightmare, has anyone any idea how long this process of making me an offer will take, as it is costing me a fortune in rail fares""

When buying motorbike insurance is CBT= Provisional ?

I was looking about for insurance quotes for a 125 and when you select what type of licence you have it dose not say CBT at all, but it says UK provisional and UK moped, but i dont think moped is a CBT because moped is 50cc only, can anyone tell me what a CBT licence is called when buying insurance""

What's the best way to shop for insurance? Through a broker or online?

A broker has many insurance and knows where to shop if I go online am I going to be get the best rate?

Where do I find affordable homeowners insurance for home in largo florida?

my insurance with liberty mutual was just dropped.

Life insurance on an ailing parent? How do I take out a policy on my mother?

I'm the sole caretaker of my ailing mother, I have no siblings, just a husband, a 4 y/o and a baby on the way. My mother and I have been talking and she needs life insurance. I take care of everything with the household, bills, etc....but I'm kinda unsure what to do about life insurance. Right now I'm about to get power of attorney over everything but I'm inexperienced about the life insurance thing. What are some good companies to go with? What kind do I get? I think she had life insurance when she was working about 5-6 years ago but she has no clue what happened to it..so I'm taking matters into my own hands. Help? She has ALS (Lou Gehrigs).""

Can anyone tell me where to find affordable health insurance in Missouri?

I'm a rural carrier for the postal service. I'm not offered benefits for a year. But I need to be seen by a doctor soon! (Woman issues)

Is there a list of rankings of top car insurance companies? What is a good car insurance company?

I'm shopping for car insurance and want to look for reviews of all the major companies out there. I want competitive prices, but good customer service is top priority, such as not trying to find a way out of paying me if I have an accident and not raising my rates without my knowledge like some companies are rumored to do.""

Does anyone know where you can buy individual medical insurance? Epileptic reasons!?

Insurance expired.

""Is insurance on a kitcar cheaper than a standard car,ie,toyota mr2 with ferrari body kit,?""

Is insurance on a kitcar cheaper than a standard car,ie,toyota mr2 with ferrari body kit,?""

Should I do something to this company insurance?

Some how Bank of America took my personal information and gave to this company insurance that covers medical thing. They have my personal Banking information. I canceled the insurance policy on August 15 and they took out 29.99 out of my bank and I now have 60.98 in my checking account. Should I do something about?

Can I be reimbursed auto insurance for the days my car was undrivable due to accident caused by someone else?

So there was a car accident and it was determined to be the other person's fault. My car was a mess (I wish they just totaled the thing) and is still in the shop, it's been 2.5 weeks. They're saying they can't reimburse the auto insurance because if something happened to the car during this time it's covered. But is that a bluff (I know they try to get out of stuff). if something happened to my car at a repair shop, and it's only there because of the accident that was determined to be the other party's fault, if something happened to my car, isn't the other insurance company liable? It never would've been there if it weren't for the accident. And if so, who do I go to? It obviously wasn't the guy I just talked to. I don't think this is unreasonable. It's not like I'm asking for the auto loan daily rate. Obviously I would still have to pay for that since it's toward ownership of the car. But the insurance makes sense to me - no?""

Where can i get cheap insurance?

I Would like to get a new auto insurance, where can i find cheap insurance? Thanks in advance""

""If a deer hits me, how fast can insurance get me a rental car?""

I have a 97 Ram 4x4, full coverage at geico (I'm on my parents insurance), $500 deductible. How fast can insurance get me a rental if one hits me, will it raise my rates, (I work 3-11:30 PM, and travel mainly back roads since there aren't many other ways to get home if it helps). I've been driving for 6 months.""

Car insurance payment?

I would like to get the car insurance for my used car, and it is my first car. If I buy the insurance for 6 months, should I pay all the 6 months insurance at one time, or pay month by month? Thanks.""

Can insurance companies automatically add new drivers to an existing policy?

I had my g1 (permit) and got my g2 (license). I called the insurance company to get a quote of how much more it is going to cost my dad (which is what I'm going to have to pay) and they are telling me that I have to notify them that my license is now a g2 class. They can't quote me until he calls them (he's at work) when my dad calls to confirm then they will change it automatically and add me. But I don't have a choice if I want to add or not (If I don't like the rate) can they forcibly add me to a policy even if I don't agree with the rate? kinda tricky to explain but I hope you understand what I'm saying and if not then I will add additional details as necessary.

Car insurance? Do they check your credit rating?

I have just phoned to change my insurance over to another car, and was told twice that it was declined - firstly, he said due to the group of insurance, and secondly, I was told that the operator had a system problem. I am a bit concerned as I know my credit rating is bad at the moment, but I am trying to better it, and I don't know if this is why my insurance was declined? I thought that they had to tell you if they carry out a credit search, but nothing was mentioned and I don't particularly want it going against me if it was searched twice. I have paid my insurance for the year, and was going to pay any extra instantly, so there would be no need for a credit search as far as I can see. Does anyone have any more information on whether they credit search you or not for this?""

Hi how much does it cost for a moped licence in spain and how much is insurance?

im 15 and i know you can get a licence at 14. do you have to take a test?

alfa car insurance

alfa car insurance

https://www.linkedin.com/pulse/how-much-would-insurance-month-1988-ford-mustang-gt-16-noah-schultz/"

[clearsandwicheagle-blog]

Can I take money out of this life insurance?

"Can I take money out of this life insurance?

I am turning 21 soon and my mom gave me a thing from state farm saying that i am getting ownership of my grandpas insurance. I want to save it for when im retired but if there is an emergancy can i take money out of it?

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

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How do I get the car insurance $$ and still keep the car?

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""Can I lose in small claims court if I got into a accident that wasn't my fault, but I didn't have insurance?""

Can I lose in small claims court if I got into a accident that wasn't my fault, but I didn't have insurance?""

""What's the average cost of motorcycle insurance say, if you are 20 years old and live in Los Angeles?""

What's the average cost of motorcycle insurance say, if you are 20 years old and live in Los Angeles?""

Pregnant and no insurance?

hi, i have a friend who is about 3 months pregnant now and she has no health insurance. she is currently working but the employer does not provide benefits of any sort. she does not make that much an hour i think minimum wage and she is working part time. so she is without health insurance for her and the baby. she knows that she can probably get approve by medicaid to cover the pregnancy expenses but her mother is over age 65 and retired and she is currently on medicaid. and she know that if she were to find another job the insurance""

A question about car insurance....?

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my friend would like to come to the UK buy a car and then go back to Hungary , So for the time until he gets back to Hungary how to get a car insurance for that 1 or 2 days , and how to inform the DVLA ( if he has to inform them (i am not sure ) ) that the car left the UK ? Thank you for answers""

Auto insurance quotes?

What website you recommend to get instant multiple quotes for multiple cars, without agent or a representative involvement?""

State Health Insurance?

Other than Mass, are there any other states that provide free/cheap health insurance?""

Best Car Insurance Quotes?

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What can you do if an insurance company breaks the policy terms?

My dad's insurance company has changed his policy and made a new one after he's already made 2 payments on the old one.no terms were violated by my father and he did not add anything new. they raised his price by $126.88. i looked over at the statement current and old one. they're making no sense. what can we do? and also last question can they add interest rates to payments that aren't even due yet to each month? i thought interest payments were only a requirement if the bill wasn't paid on time??

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Affordable dental insurance?

I need two teeth fixed, one molar extracted and braces, prefer the invisible kind. I'm looking for some dental insurance, that's inexpensive, that will help cover paying for these things.""

Getting a check from both insurance companies?

I recently got in a car accident, and both insurance companies (mine & the other party's) sent me a check to cover the damages, each check is enough to cover the full damage. What should I do? a. Use check from other party's insurance, and return the one from my insurance company. b. Use check from my insurance company, and return the one from the other party's. c. Keep both checks""

Can you get a discount on motorcycle insurance if is has an alarm system?

I just go a 2009 zx6r and I was wondering if ICBC gives you a discount if it has a full alarm system and immobilizer? I live in vancouver BC canada thanks

What is the oldest year car I can buy without paying for collision insurance?

I want to buy a new car in the 2000's. I know that when you a brand new car you have to pay for collision insurance and I don't want to have to pay for that. What is the oldest year car that I can buy without having to worry about the collision insurance?

If my dad is a co signer for a car will my insurance be cheap?

I'm 19 and its my first car and my dad is the co signer will my insurance be low? What are cheap insurance agencies for teenagers?

How much would my car insurance go up if I got a mustang?

I'm 24 years old, have a good driving record, and I am currently on with my dad's insurance. I have a 2005 chevy aveo right now, with almost 75,000miles; and I pay $110 a month for insurance. Unfortunately, my car may be reaching it's end, and I may have to get a new car. I've found a used 2002 ford mustang, 2 door and 14,633 miles on it. How much do you think my insurance would go up? My dad says it would sky rocket... But I figure I'd ask anyway! Thanks!""

Does your insurance rates change when you switch it to a different car?

I drive a 2001 cavalier and I'm getting another used car in about a month (2004 pontiac grand prix) I'm under 25 so my insurance rates sky rocket. Will it be cheaper to transfer my current insurance over to the Grand Prix or to just get new insurance all together ?

Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?

I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party's auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn't they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.""

Will I be able to find car insurance for a '68 Ford Mustang?

I am planning on going through AAA. But I'm wondering if they will insure a car that is more than 40 years old? Will it be more or less expensive than it would be to insure a regular car? Has anyone had experience with insurance for a car more than 20-30 years old before??

Can I take money out of this life insurance?

I am turning 21 soon and my mom gave me a thing from state farm saying that i am getting ownership of my grandpas insurance. I want to save it for when im retired but if there is an emergancy can i take money out of it?

What is a more affordable car?

What is more affordable,a 2007 honda civic SI at 200 a month,NEW!!!!or a 2004 ford mustang,standard,at 300 dollars a month?????""

Changing insurance from car to van?

I have a multicar policy with admiral at the moment. I have bought a vw van to drive for pleasure, not for work. I am selling one of my cars in the policy and am replacing it with the van. The car insurance runs out in december. What will I do? Will I have to pay more and not get any money back. You can't have vans in the multicar policy!""

How much extra would it cost to add a 17yr old to insurance? helppp!?

i was wondering how much it would cost if i was added to my dads insurance as the 3rd driver, he pays arounds 400 for the insurance but i was wondering how much it would cost if a 17 year old who just passed his license would add to it. im sure it wouldnt be much as i will be the 3rd driver but im not exactly sure.""

Difference between policy holder and insured?

In Royal Sun Alliance my husband has two letters, one mentioned policy holder and the other insured. Whats the difference between them?""

What is the cheapest auto insurance company for bad drivers?

What is the cheapest auto insurance company for bad drivers?

""Does anyone realize that by making health insurance mandatory, your insurance premiums will skyrocket?""

just like car insurance premiums have? And when premiums skyrocket, everyone will be moving to the cheaper government run policy. If the government really cared and wanted to bring costs down, they would get out of bed with the specdial interest groups such as malpractice lawyers and PHARMA and reform these things.""

""If you're arrested at 17, does your car insurance go up?""

If you're arrested at 17, does your car insurance go up?""

""Dui in personal vehicle 5 years ago, can i get comercial insurance for livery service?""

independant owner operator of sedan service in st petersburg, fl""

Lost health insurance and am 37 weeks pregnant?

I just found out I was dropped from my previous health insurance plan from COBRA because I was late making a payment. I thought I was ahead a month so didn't pay in March and found out I wasn't ahead. I tried explaining this to the health insurance company but they said it was too late to do anything about it. I've called multiple health insurance companies to see if they'd cover me but of course being 3 weeks from my due date no one will take me. I also tried to contact my hospital that I will be giving birth at to see if I could go through a financial assistance program but my husband and I make to much. Same issue with Medicaid. I live in IN, is there anything/any health insurance company that someone can suggest??? Thanks!""

More affordable health insurance?

I'm paying about $1100/month for health insurance through work (me + family). I've heard I should stay with the group plan but can I get just as good coverage with a private plan? And we may decide to have another child... do private plans cover pregnancy? any ideas would help

When buying life insurance what is the best affordable option?

I am 37 with 2 kids I currently have term life on me for 250,000.00 and 100,000.00 on each of the kids. Now there are tons of different life insurances out here is one really better than the other? I currently have it thru met life does it really matter?""

How much will car insurance cost for a 17 year old in the UK?

I'm 16 years old, and 17 in a few months. I have a car already, in the garage. It's a Peugot 106, and my mum bought it for 350. I live in Newcastle, and I would like to know a rough price on the insurance? Realistically, around the region of 1000-3000 ect...""

""I own my own buisness, Where can i get affordable Health Insurance?""

Small business, small budget, only need health for myself. Who has the best price? Help""

Home Owner's Insurance?

I'm hurt my foot not even a year ago. May 22, 2012. I was at my neighbor's house when her husband called, She was outside in her pasture fixing a fence. I went to take the cell phone out to her. I forgot to put on my shoes. As I was walking, I was about 5 feet from her and my older brother. And I fell to the ground. A Re-bar about the width of a pinky went through my left foot inbetween the toe by the pinky going 4 inches inside. I had to stay in the hospital for 8 days. Almost losing my foot. I have no feeling in my toe but at the top of my foot, just touching it causes me to feel pain. Is it possible for her Home Owner's Insurance to pay at least half or all my medical bills? I owe over $36,000. This also Happened in Oklahoma, and I moved to Missouri back in November (don't know if that would affect my chances). My mother decided that she didn't want my neighbor to pay for it. And I'm disagreeing.""

""After one month, auto insurance gets cancelled?

I changed auto insurance after my other policy lapsed due to direct deposit mix up. I went with State Farm for both vehicles and paid about 20 dollars more per month for a better policy. I got a letter 2 weeks into coverage stating my policies are being cancelled due to not showing 30 days of coverage at the time of purchase. So I guess they can cover me for a month and ditch me? This don't sound right. I have zero tickets and zero wrecks and the same goes for my wife. My agent says the rate will go up from 138.00 per month to 245.00 per month! ! ! ! ! WTF?

Car insurance...?

I am thinking about buying a 1999 ford fiesta sometime. I have opted for a 5 door car rather than a 3 door car. I have heard of some people paying up to 3k per year for insurance. How much difference roughly in terms of  would having 5 doors make in stead of 3? And what would be the difference rouughly between insuring a car with a 1.8 diesel engine than something like a 1.4 diesel engine? I want to get a car when I have passed my driving test.

Health insruance for the umemployed?

I'm actually employed but theres no insurance....Are there any insurance companies that I could get with, keeping in mind that I already have health problems......You know most insurance companies wont even write because you have problems already, are there any that will???""

Van insurance young driver?

im 20 years old, been driving for 3 years with 1 year no claims, im a qualified tiler but i cant find van insurance cheaper than 6 grand anywhere its a joke, so i cant work cause i need a van wtf can i do""

Roommate Fell Off My Roof Will Homeowner Insurance Pay?

I asked roommate to put waterproof plastic on roof over-hang. He fell off roof and broke collar bone. We took him to ER. When he came home he needed more care then we could give him. He went to his cousins assisted-living hospital. He has Medicare and Medi-Cal, California. Will my homeowners insurance cover his unpaid bills? Can he sue for pain and suffering? Will insurance cancel my policy? He was been roommate for 3 years.""

How much would insurance cost for a 17 year old with a bimmer ?

Probably a late 1990's model. I have to pay for the car and 1/3rd insurance - so I'm just wondering how much insurance would be around for a BMW ?

How does life insurance for a baby work?

I am a teen mom. I am keeping my baby (please no rude comments, just answer the question.) I don't know how life insurance works though. And I don't know if I qualify for Medicare because my mother has a high income, but I on the other hand am not working, or making any kind of income. Please inform me on how I would get life insurance for my baby!""

Car insurance cost... roughly?

I am 15 and planning on getting my dads 1971 Plymouth duster as my first car when I'm 16, what would the yearly cost be?""

Which parent must pay for my car insurance?

My parents are divorced, and live in different states. I live in Florida with my mom, and my dad lives in Virginia, unfortunately. Anyhow, I get my license Feb 4th, and I'm also getting a car, and my mom is forcing my dad to pay for my insurance on top of my child support and various other fees she hits him with. My question is, can I be on my dad's insurance policy even though he lives in another state, or do I have to be insured under my primary possessive guardian(my mom) whom which I live with. Because if not, she is demanding that my dad pay for my insurance, full, a year beforehand, which at my age is close to $2,000. Thanks :)""

How much does learning to drive cost roughly?

how much do driving lessons + car (800 - 1000) + insurance etc cost??? thanks :)

Ideas for a research essay on Private Health Insurance?

Hey, We're supposed to write an essay on any topic of our choice and show it relates to well being and opportunity in Canada while addressing inequalities (that part is optional). I'm thinking of writing on Private Health Insurance in Canada. But what can I focus on on in terms of the health insurance. Any suggestions""

Can I take money out of this life insurance?

I am turning 21 soon and my mom gave me a thing from state farm saying that i am getting ownership of my grandpas insurance. I want to save it for when im retired but if there is an emergancy can i take money out of it?

https://www.linkedin.com/pulse/term-life-insurance-quotes-william-russell/"