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#and this entire time my parents are moving everything from our short term rental to a proper house
horsemage · 5 months
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Jesus christ why do I feel so much like a hunted animal (<- knows exactly why)
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jessiebanethedragon · 4 years
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Can we get a fic where the bad batch is on a mission and they find a SUPER shy 16 year old girl (the reader) who lost her parents in the war. The men take the reader with them and take care of her. But they don’t know that the reader has been trained in advanced martial arts her entire life and they find this out when the reader takes out a bunch of droids by herself. The bad batch take the reader in as their little sister in the end.
kinda long, i hope thats okay, and as always i really hope you enjoy it! 
You’re found underneath a mountain made of rumble, mud, water and ash. The Bad Batch takes hours moving debris for Wrecker to pull you out of a still smoking room that was once your family's apartment. 
Your people were an interesting folk, training their young in intense forms of defensive combat. You could speak more languages than you could count on your fingers, and years of being taught anything and everything, one could consider you to be a perfect soldier. Except for the fact that your people dedicated themselves to the natural wonders of the universe and were neutral in every notable war the republic had ever seen. 
The separatists did not see it that way. 
“What do we do with it?” Crosshair asked when they returned to the camp, you haven't said a word. And clone force 99 was starting to wonder if you even spoke basic. So far you had only moved when necessary and they only realized you were even human once the dust, mud and blood had been cleared from your face. 
“I think the ‘it’ is actually a ‘she’.” Tech corrects side-eyeing you from where you sit close to their fire. 
“What are we going to do with she?” Crosshair repeated, annoyed. But enjoying the mumbling from his brother about ‘grammatical insolence.’ Wrecker and Tech both shrugged as Hunter sighed and took a plate of rations over to you. 
“Hey, you need to eat.” He said pushing the plate towards you, watching as you watched the plate, but made no move towards it. 
“Can you tell me your name?” Hunter asked, trying his hardest to sound not like a hardened military sergeant. He sees your lips move but can barely make out the sound that travels past them. “Can you just be a bit louder maybe?” He asks for the first time ever, given his enhanced hearing. He catches your name as it wisps by him, repeating it to make sure he’s got it right.  
“Do you have anyone? Anyone off-world or that might still be…” He stops himself before the word ‘alive’. And you shake your head ‘no’ anyways. It’s only after Hunter gets up to leave that you slowly reach for the plate of food. 
“She has to come with us.” Hunter relays to the group, who are keeping their distance from the shy young girl they’ve found. Each member nods, none of them seem to know what to do with you, but they know you’re safest with the Bad Batch. 
It takes weeks before any of them hear your voice, your real voice. So far you’ve stuck to mumbles, nods and hand gestures. No one seems to mind, except for when you make Wrecker jump out of his skin when you seemingly appear out of nowhere. 
“Crosshair you di'kut!” Tech shouts one morning running into the main area of the Havoc Marauder. Everyone has to suppress a chuckle at the sound of Huttese coming from his helmet. “How in the kriff am I supposed to fix this?” Tech throws his hands in the air, slamming his bucket on the table. 
“Would you like me to fix it?” You offer from your corner of the ship. Stunning everyone into silence. “I am fluent in huttese.” You explain reaching for Tech's helmet, and matching holopad. No one says anything as you tap a few things and place it back down. 
“Thank you, mirdala.” Tech says in awe. Opting to compliment you in mando’a rather than basic as to not make you uncomfortable. 
“I also speak mando’a.” You add, looking at him with a smile. 
“Kandosii'la!” He exclaims happily, “nice to finally have some more brains around here.” Tech smiles at you while his brothers come over the shock of hearing your voice properly for the first time. 
After that morning things begin to shift a little bit. The batch takes to calling you mirdala as a nickname and constant compliment. (And to try and get you out of the sarlacc pit of shyness you live in.) And you slowly start to chat rather than just talk with the men you find yourself in the company of. Yet you still don’t talk about your home at all, eventually they stop asking. Until one day Hunter presses a small blaster into your hands while the five of you are standing on the ramp of the marauder. 
“Just a precaution, this place shouldn't be  dangerous. But I'd rather you have it and not need it then need it and not have it.” He tells you, and places a hand on your shoulder. “Know how to use it?” You nod, flipping it around in your hand, it’s foreign and familiar all at once. The click of the safety sounds a bit janky and the hilt is slightly off kilter. Hunter watches you inspect the blaster with the precision of a GAR clone. 
“Thank you.” You say to him, tucking it away, and following the group off the ramp and into the market. 
It takes all of one half of an hour for all hell to break loose. One battalion of droids verses one bad batch’s Wrecker didn’t exactly go well, the two of you attacked from behind unsuspectingly leading him into throwing you onto the nearest roof and going through the droids one by one. You hear the whir of commando droids before you see them and take off, launching yourself onto the next roof as blaster bolts rush by. Running through the second market that rests on the rooftops of the one below you dash between stalls, people and droids as you scramble away. One last jump into what you think is the side of a building but is actually air covered by a mass of cloth sends you into the  ground below winding you. 
“Mirdala!” Crosshair shouts in surprise as you seem to literally fall from the sky above him. This brief distraction allows for a droid to take a shot at him and you know he’s too preoccupied to save you. 
That's fine, you don’t need saying anyways. 
Falling into a fighting stance is so familiar to your muscles, you could close your eyes and you’d be back in your training centre. It feels so real you can almost smell it. Elbows and feet fly, echoes of advice ring in your ears. ‘Your elbows carry power, your feet are the most important weapons, stance is everything.” At this point the blaster is basically useless, you’re the weapon Hunter wished you didn’t need. And so when Crosshair barrels into you, throwing the two of you behind a crate as a detonator goes off, you both face plant into the ground. 
“You okay Mirdala?” Tech asks pulling you off the ground, dusting your shoulders off.  
“Where is everyone?” You ask worriedly looking around for everyone, once you see Hunter, Wrecker and Crosshair near you, you begin to calm down. Wrecker comes over to you looking far too happy for a man who was just in battle. 
“That was amazing Mirdala! Shoulda seen ‘er Sarge!” He says nudging Hunter harshly. You can’t help but blush as Wrecker rentals how you flew from building to building. Letting Crosshair summarize your skills with ‘she fights well.’ (Before taking over and gushing about you again.)
You’re sitting outside as the sunsets, being alone is preferable right now. Today was, for lack of a better term, a lot. But of course, naturally, the Batch joins you. 
“You ever gunna open up to us mirdala?” Hunter bluntly asks, looking scared and worried. You nod but stop yourself, pushing the shyness for a verbal answer. 
“Yes, just not used to it.” it's a short answer, much shorter than it should be. But it’s a small win and Hunter is happy for it. 
“I researched your home world, were you going to tell us about your skills?” Tech asks, eyes meeting yours. 
“I thought it was normal.” You explain, looking around for others before sighing. “I’ve never been off-world before, not even outside of my city. This is very unusual for me.” You say trying to explain that your people keep to themselves even where they're around those they trust. 
“What else can you do?” Wrecker chimes in, curious as ever. But adds “never mind” when Crosshair elbows him. 
“You’re trained like us...” The sniper says, catching the curves of a small smile beginning when he says this. “Vod’ika.” He adds slowly, careful to watch your face to make sure he didn't upset you.
“Come out of your shell vod’ika, our shell most certainly has room for one more.” Hunter says, looking not at you but at the setting suns of the planet. 
“I always wanted a little sister!” Wrecker encourages with an excited hop. You turn to Tech waiting for his take on the situation. 
“Makes logical sense.” He teases, putting his helmet over your head. “Fits well, looks good vod’ika.” The helmet doesn't fit at all, flopping from side to side as you look around. 
“Sounds good to me ori'vod.” you say with a lopsided smile on your face. As the suns finally start to  turn into stars. 
“Aliit ori'shya tal'din” Hunter says, prompting his brother to repeat it after him. 
“Family is more than blood.” You translate to basic stunning at the touching words. 
“Come lil’ sister. It’s kriffing cold out here.” Crosshair says getting up off the ground, Wrecker immediately scrambles to piggyback you to the ship. The five of you teasing each other and laughing all the way.
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saleintothe90s · 4 years
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423. The Chevy Chase Show, September 9, 1993.
The other day, I ran across this video from YouTube user VideoDisorder that discussed the first episode of the Chevy Chase Show.  He hit all the same points I hit when I wrote my entry about Chevy’s extremely short lived talk show from 1993. I loved his video so much that … that I had to watch another episode of Chevy’s show. I just really have the craving to tear down another episode.
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I’m watching night three of Chevy’s show, September 9, 1993 . I chose this one primarily because our boy, Harry Anderson from Night Court and Dave’s World was in it. 
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Also, I had a dream a few weeks ago that Harry and I were community college students who were married and lived in the huge money pit house my parents and I moved into my senior year of high school. Seemed fitting.
The show opens with Chevy putting on a wig, which kinda makes him look like he did at the beginning of the Christmas Vacation movie. (Clip: youtube.com/watch?v=ozksR8QLWzM) Just me? ok.
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Oh, but no, there’s a baby in it!  Harry’s gonna staple gun it on for Chevy.
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Chevy still thinks it’s funny to fall and stumble into his opening … its night three, Chevy. Stop it. He also tries to make a basketball hoop just like he did on night one. Was that supposed to be a tradition? A reference to the Fletch movie? The modern equivalent to this would be on Good Mythical Morning when Rhett and Link do a tournament and Link always misses throwing away the bad food behind his back into the trash can. (Tiny print: man they’ve been doing that too much, but ANYWAY)
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Chevy does a tour of the set, which he shoulda done the first night instead of that birthday cake bit with Goldie Hawn’s son. He shows off the aquarium….oh that reminds me of something I found last night!!  I went to see if I could find anything about the show on The Internet Archive (archive.org). I found this article from this small down paper about high schooler’s thoughts on the late night wars of 1993 1.
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Chevy flubbed his lines through the entire segment. He said the guest book passport thing was there to “Keep his guests from coming back” by accident. Tell us what you really feel, Chevy.  Someone in the audience even heckled him! 
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Chevy: …they get some sort of prize..
Audience Member: LIKE WHAT?!
Chevy: The first prize would be trying to get you out of her in a fashion that wouldn’t be too exciting.
On your tenth visit (okay) you could get Michael Jackson in a can. Audience boos. This was a couple of weeks after the beginning of the claims that Michael had molested a boy.
Chevy then goes into a segment where he goes to a desk company to look for his desk. They got to visit the desk from Barbarians at the Gate! Something I’ve been meaning to watch for years. Tyre’s also dumb jokes about Chevy putting gum under a desk, and then retrieving it. The man at the desk warehouse said “ew”. He wasn’t playing, straight up “ew”.  I had to stop it at that point. Zzz city.
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A dramatic recreation of Martin getting Nair put on by makeup ladies.
Martin Short is the first guest of the night. They sing a song from Three Amigos and its cute. Martin has a full head of fuzzy hair. It’s glorious. The interview is not. I caught myself reading the news on my phone during it. At one point, Martin says, “I will imagine my own death, and imagine people hearing the news.” Later on he discusses being in the movie Clifford and how he had Nair his legs, and he got the makeup crew to help him. Turns out he had his “little fella” hanging out of his underwear the whole time.
The News Update segment is awful. He tried to tell a joke about the rampant killings of tourists in Florida at the time:  
“The two white men in Florida who were charged [stumbles] on all accounts of setting black men on fire were convicted … that’s it… the two men could face two life terms, or a stiffer sentence of driving a rental car through Miami dressed as German tourists.”
(Crowd groans, someone in the audience even said, “NOPE!”)
He also calls Snoop Doggy Dogg, “SNOOPS Doggy Dog”.  How is he stumbling through everything like this.
On inhalant abuse, especially with aerosol deodorant:
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“These are you underarms on drugs”
FINALLY, we get to Harry! This was right before Dave’s World started, where Harry played writer Dave Barry. Harry describes Dave’s books as “books you read on a plane”, and his newspaper column, “as something you read on the crapper”.
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Why do I remember the bathroom from Dave’s World so well! I loved that house. 
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“Was that your card?”
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NO. They brought this stupid segment back from the first night. I don’t know what this even IS. It’s not funny, I know that. I read in Chevy’s biography by Rena Fruchter that these were all his faces. 2
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“I love Harry Anderson, I love all of you. Goodnight.”
Facebook | Etsy | Retail History Blog | Twitter | |YouTube Playlist | Random Post | ko-fi donation | Instagram @ thelastvcr | other tumblr
“Late Night Battle Begins” Romulus Roman, September 26. 1993.  https://archive.org/details/Romulus091993/09-22-1993/page/n21/mode/2up
Fruchter, Rena. I’m Chevy Chase-- and You’re Not: The Authorized Biography. London: Virgin, 2007. 154.
Related:  Unearthing the Complete and Total Disaster That Was ‘The Chevy Chase Show’ By Roger Cormier 
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prorevenge · 5 years
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The neighborhood remembers. The neighborhood punishes.
This is a story I've been sitting on for a few years now, and having discovered r/prorevenge a couple months ago, I decided it's finally time to let the world know what happened to a sociopath who dared to cross The Neighborhood.
To set the stage, I used to live in a big but not huge city, lets call it palmville. I lived near the corner of a dense suburb nestled between overstuffed apartment buildings, a river that smelled like diesel when at low tide, and two busy highways. I was a minority in this neighborhood and I caught a lot of heat for it, people didn't really like white people there, but enough of our neighbors were accepting of us that aside from a few disagreements between families and the beatings that came with them I didn't feel like I was in danger when leaving my home. It was a rough neighborhood, but it was my home, and it protected its own.
The Community Center was like a temple, and...lets call her A.M. was the priestess. In our neighborhood she was respected like a living deity, and her calm and understanding reflected her status. I never once saw her behave without a strong moral code.
And the final piece to set this stage, our former landlord. Short asian lady in all the stereotypical ways, kind and sweet. Our house was above my parent's pay grade and she knew it. She went out of her way to find house repair and maintenance jobs for tenants that were having money problems. She'd pay them by taking chunks out of their rent, often times a bit larger than how much the work they did was worth. Looking back, that was probably illegal, but that's irrelevant because she died. The circumstances surrounding her death were suspect, but none of the suspects play a part in this story so there's no need to go into detail on it.
Her sons, who wanted nothing to do with real-estate, took over the business. They couldn't make heads or tails of how she managed to float books with so much red in them and began dumping properties, ours was on that list. I harbor no ill-will towards them, and still wish them the best, but the guy who bought the house...enter the sociopath and today's victim.
This guy wasted no time in making our lives hell. His first action was to raise the rent. Apparently when the account changed hands, he was allowed to update the rent to modern pricing. We'd been there for several years and were paying below market even from the onset, so this was a huge blow by itself. The second blow came when he said that the rent had to be ready, in full, on the first of every month, no partial payments, no work to reduce it, no extensions. Full rent on the first of the month or an eviction notice on the second. This was hemorrhaging our savings, but we were surviving for the moment.
Meanwhile, A.M. had lobbied hard for the city to co-fund a revival project to renovate the entire aging suburb and she succeeded. One street at a time had conga lines of work trucks almost every day and people were getting old leaky pipes replaced, sinkholes in yards patched, fences repaired, paint renewed, it was an amazing thing, and an enticing thing for The Sociopath.
Being at the corner of the neighborhood, our house was on the last street on the list, and Sociopath wanted us out so he could relist the house after renovation. He never said this directly, but multiple conversations made his intent clear even for 10 year old me.
Random inspections, overhyping of minor problems with the house, even so far as trying to bring us up on completely false animal abuse charges because our cat was attacked by what we believe was a raccoon and he tried to claim we did it, yeah, because a vet can't figure out the difference between knife wounds and a mauling.
We read the writing on the wall and began preparations to move. We decided to move in with my oldest brother in a place I'll call banjoland. Most of us had moved except my other brother, who stayed behind because he still had a lot of social ties in Palmville and his new job meant if he cut corners, he could keep paying sociopath's inflated bills.
Well, despite his best efforts, he came up $20 short one month and sociopath jumped on it. he had 30 days. We made the 400 mile trip from Banjoland to Palmville to get the rest of our stuff and I can't say as I approved of my brother's living conditions, but I guess that's beside the point. The month passed rather uneventfully, I guess Sociopath figured he'd won so there was no need to burn the gas to drive out and gloat.
The neighborhood had learned what was going on and that was the first time I'd ever been back in that neighborhood where I didn't get a single callout, a single glare, a single racist remark. Everybody behaved reverently, it was kind of disturbing in all honesty, I guess people in lower incomes all know what eviction means and felt like I was having a bad enough time already.
Well, 20 days later he says it's time to leave. We still had a week left, but it didn't matter, we didn't have the money to try fighting it with a lawyer. A.M. descended from the heavens and bought us a couple extra days, but it was evident he really really wanted us out, possibly because the work trucks were now one street away.
The last time I ever saw the house I grew up in, workmen were throwing my childhood possessions into a large bin when we supposedly still had three days left to leave. Everything that follows is a collection of information I got through the grapevine and phone calls with people present at the events.
Immediately, Sociopath moved into the house himself. Why you may ask? People who owned the homes they were living in were getting the full cost of renovations comped by the city. He figured that by moving in himself, he'd be able to get this house he bought at liquidation price renovated for free and flip it.
A.M. was having none of it.
She explained to him that at the time the revival project was approved, that house was a rental lot, and they can't change the budget now. She then explained to him that the partial cost coverage that had been approved for the lot was in our name, not his, and he wasn't eligible for partial cost comping either.
He'd have to pay every penny himself, and since the entire neighborhood was getting a facelift, he was required to at least renovate the exterior, otherwise she'd see the house condemned as an eyesore or dilapidated or whatever the legal term is. He went really cheap on the renovations, basically put in new carpets and a coat of paint, this would later come to bite him in the ass.
He then began trying to sell the house in earnest. The neighborhood remembered what he'd done. There were vandalisms when nobody was there, and loud noises from the neighbors when people were there to look the house over, and anytime a prospective buyer asked around, they got the full stinkeye from anybody they talked to. They made sure he simply couldn't get that house sold at market value.
After three months of this, he lowered the listing price. Then a month later he lowered it again and finally got a bite. A.M. personally made sure he had to file every. single. piece. of paperwork before it changed hands. Every single part of the house had to be inspected thoroughly.
And that's when Karma herself caught up with him. In his hasty and cheap renovations, he'd somehow damaged the pipes.
Black. Mold.
A.M. remembered how he'd treated us and she decided to pay him back in kind. I never heard how exactly she pulled it off, but she managed to delay him getting the news about the black mold being discovered for several days, long enough that by time he did get the news he didn't have enough time left to try getting it cleaned or make a last ditch effort to save the house.
The house was condemned days later.
In their final act, A.M. and members of the neighborhood filed every single complaint and injunction they could and arranged for him to be compelled by the city to demolish the house immediately. A cost he had to pay out of his own pocket.
He tried to destroy a family and broke laws just to make some quick cash, and instead was left fighting a year long legal battle and ended up losing thousands.
The neighborhood remembers. The neighborhood punishes.
(source) story by (/u/TanyaSapien)
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thesickpanda · 5 years
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Where is My Mind?
Stress can make you feel like you're going crazy.
I cannot emphasize this enough. Long-term, persistent and intense stress well above your baseline levels can make you feel like you're losing your mind.
Life is stressful and when I think back to when the intense periods of stress started in mine it gets a bit ridiculous because I grew up in a domestically violent household with severely mentally ill parents in a country on the brink of civil war with one of the highest crime rates in the world. So I have been kinda stressed for a very long time. However, in more recent months, the level of acute stress I've been experiencing has made me feel disconnected from reality. I've experienced derealisation a number of times due to Lyrica withdrawal and accidental cannabis highs. But this one is different. The depersonalisation I’ve been experiencing is from pure, unrelenting stress. I really did question my sanity more than once.
 In July, I saw my psychologist to describe this feeling to her. She very helpfully drew a diagram which explained the neuroscience of why we feel this way when we've experienced high levels of stress for a long time. It was really helpful to see that because it reassured me that what I was feeling was, as much as this can be said, "normal", given the amount of strain I was under. But the stress hasn’t let up since then and I have been well above my baseline for much too long.
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 Long story short, I haven't really recovered since my family visited me last year. 2018 was a year from hell. 2019 hasn’t been much better but for different reasons. Basically, the hardships I’ve endured being the leader of a non-profit all these years reached critical mass and finally, at long last, broke me. After 8 years of pouring all my heart, soul and every last spoon I had into it, I quit last month…and to very little fanfare at that. 3 people turned up for our final meeting, and only because we needed to hand them the organization’s physical assets. We had a little unplanned dinner out and that was that.
I'm grateful to the handful of people who have reassured me they will continue its legacy beyond my departure, genuinely I am, but overall I think I stayed in that position at least a year longer than I should have. I feel incredibly jaded and cynical about the whole thing.
 And I’m sorry if this offends anyone, but screw Sydney’s activists. The vast majority of them can barely call themselves that. I have never been in such an apathetic, vain, self-centered and lazy city when it comes to political activism. This migrant has had enough of trying to get Australians to care about their own issues. (And yeah, the people I handed the non-profit over to? Also migrants).
It is telling that the final meeting was also the night before we moved house (because we always had to wrap our own lives around the goings on of that organisation, not the other way around, which is another major reason we quit). So after an hour and a half’s drive into the city, we had to get home late to get up early the next day to start that fun process.
 But I am getting ahead of myself. Before we ever got to moving day, we first had to find a house. If you haven’t done it before, let me tell you, the process of house hunting on a tight budget in a hostile market is disgustingly stressful.
We were looking from June. The property market in Sydney is unbelievably expensive and even though it experienced a so-called "correction" for a year, (meaning that house prices stabilized instead of continuing to rise), that ended just as we entered into the property hunt. I am extremely grateful that we got the house we did at the price we did, but my God, getting to that point nearly killed me. I keep explaining to people that it felt as if my partner and I ran full blast over broken glass to the edge of a dock, leapt several metres and grabbed onto the barnacles of a departing ship by our fingernails. I really do think we may have been among the last millennials that got on that “property” ship, and it was only because, at long last, we had help from my partner's extremely wealthy parents. After shaming us for a decade for not being able to afford impossible house prices (“ok boomer…”), he finally relented and helped us out. Again, I'm grateful, but also disgusted that this is the world we live in. Housing should be a human right and we shouldn't have this intergenerational greed and infighting over something so basic. Forgive my inner socialist. 
Finding the house was only the first part of the equation; moving into it was the next step.
 The moving process was incredibly arduous. At the time we should have been packing up the house, my partner's work decided to send him interstate for business on multiple occasions. By the time moving day came round, we were not ready and we couldn't afford to pay removalists. We enlisted the help of two amazing friends and Joe's brother-in-law. Again, super grateful that I had their help, but my God, was it intense. It took the better part of four days to move everything. We had to pay off the mortgage and the rent for the previous place for a two-week period, putting considerable strain on our savings. At the same time, we needed to get some work done in the new house so that was being done while we were trying to sort out the old house. The rental laws in this country are a joke and are widely considered to be abusive to renters, including by many of my American friends who now live here. I doubt we will ever see our bond returned, even though we were treated like crap living there for three years in a house that was not sealed, had no insulation or air conditioning, leaked and was draughty, didn't have proper doors et cetera et cetera. I mean, we had maggots falling from the ceiling… twice. The place was rotting and rotten but because my partner couldn't completely colour match the paint when he tried to cover up what was absolutely reasonable wear and tear on one of the walls, I'm sure we will lose all that. As usual, the landlord will claim it costs our entire $1800 bond to get a $50 an hour painter in to patch up one wall.  They always do this. In your contract it says reasonable wear and tear are a few knocks and dings on the wall and that the tenant is not expected to pay for that. In reality, in every rental we have ever lived in,  the landlord has refused to refund the bond when there’s been even the slightest bit of damage, even if we had a record of being model tenants. It was almost comical how hard my partner was trying in the middle of the move to cover up a few scrapes on the walls from moving furniture in and out. It all came to nothing because for love nor money he couldn't find the correct match of paint. And then of course he had to mow the entire grounds of the last rental when he really wanted to be using his weekends to sort out and unpack the new house. Good God, it was awful.
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 My partner and I barely spent any quality time together during this period and he was extremely stressed out and distant from me. I totally understand why but the whole thing flared every single one of my conditions and I needed him as my carer. But he couldn’t really do that, as he was trying to do literally everything else. Moving house is hard on a healthy body, never mind one with two chronic pain disorders, irritable bowel and generalised anxiety disorder. And then (because of course), a family member of mine (one of the abusers) picked that moment in time to start harassing me, thereby triggering my PTSD which led to a nervous breakdown which led to intense depersonalisation, insomnia and nausea. Everyone and everything seemed unfamiliar to me, even my partner. I started to doubt whether or not I loved myself or anyone else anymore. I just felt so completely and utterly disconnected from the world. I began to lie awake at night terrified that I was fading away, that I could no longer feel anything other than fear. All the time, people kept saying, “congratulations on the new house! You must be so excited!” But all I could feel was sickness and dread.
 Two weeks after moving in, I had to drop my Lyrica one more time. This drop has been very difficult. All of the stress has led to some dark thoughts in the back of my mind which of course Lyrica then co-opts and exaggerates. I have had a more than a few moments of suicidal ideation. Everything in my life on paper has improved. We are now homeowners, we live in a beautiful part of the world, we've made some new friends lately, things are settling down et cetera et cetera. But I feel like I'm in shell shock after this year and last year. I haven't even had time to process that I am no longer the president of the not-for-profit I founded and formulated an identity around. I just haven't had the time to process literally anything. I've been more exhausted that I have ever felt. Oh, I'm sure everyone will say, “this too shall pass”. But I do not believe that bullshit. Yes, this individual stressor will pass but more horror will come and I know that makes me sound super negative but I just cannot remember a period of time when things were calm for… I can't remember. I just feel like I've been in a hurricane forever.
 So yeah, I'm writing this post while experiencing Lyrica withdrawal which makes me depressed and anxious. It's probably colouring my vision on everything. Fine. But I have been going through Lyrica withdrawal for two years, so it’s kinda become my normal. My final drop is on 26 December after which I will experience two more months of withdrawal and hopefully, after that, some semblance of sanity again. In the midst of all this I have to study for my citizenship test which is at the end of this month. I don't get any government support for my disability until I have been a citizen of this country for eight years, and as I’d like to survive my 40s, I need to get citizenship now. But yeah… studying an eighty-page textbook with an addled brain is just so much fun.
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 Of course, during this time we haven’t have Internet because we had to disconnect the old place and it takes an age for it to get reconnected at the new place. We only recently acquired it at the new house. So there are piles of emails waiting for me. Many of them are from friends and I'm glad for that. But there is also a lot of life admin I now need to do. I have to change my address on every account I hold, which is really tedious. We have also had to organise time with family. Because my partner's family helped us get this house, we feel especially obliged to go to every single one of the family events, of which there are many. He comes from a big Catholic family so every relative who comes to visit, every party that's being held, every birthday, wedding, funeral and religious holiday, we’re now expect to attend. We have several in the next few weekends, taking up most of the time we *needed* to be unpacking the house. We’re obligated now.
 In all this negativity, though, I want to say that I am genuinely grateful to be one of the lucky ones to have a house. I know it sounds like I am whining about a good thing. It's not that I'm not glad for this (I know how ridiculously privileged we are). I just haven't been able to really feel it yet. I think that regardless of what happened this year, I’d be feeling this way. Something broke in me last year and just hasn't really come back. I feel shattered.
 And all my chronic pain conditions have been wearing me down too. I found out this year that the operation that cost me and my friends so much money (to remove that nerve in my foot) had failed. Or rather, the surgeon had completely botched it up. I have PTSD from that surgery. Just the thought of going back to have it done again fills me with heart racing terror and cold sweats. I’ve had numerous surgeries before that one and been fine, but the reaction I had from the anesthetic last time was so severe, and the recovery so long, that I genuinely fear it more than almost anything else. And yet I need to go in for that nightmare all over again in 2020. I'm going to be asked to trust a different surgeon to do the same so-called “simple operation” to restore some functionality to my left foot. My right knee is probably also going to need surgery since it has been resistant to any physiotherapy rehabilitation. And on top of all this, my poor partner's health has also taken a hit this year from the stress which is worrying me. Because I can always do with some more worry…
 But hey! This too shall pass! You should be happy! Life is great now! Yay yay yay!
Fuck, sometimes it just want to be allowed to feel shit and to have other people say “okay you can feel shit now. Yes, some good things have happened but right now you need to process the bad and that's okay too”. My lord, if people could just do that for me. If they could just let me feel what the fuck I need to feel.
 What I feel is exhausted, scared, freaked out, traumatized, weird, sick, angry, overwhelmed and fed up. And I need to feel those things before I can feel anything else.
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quicksilversquared · 5 years
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A Mountain of Fun
A field trip to a downhill ski area doesn't sound that out of the ordinary. But add in two (only slightly) panicky dorks who have never skied before (and their very unhelpful friends), and you get a fun day, full of snow and laughter and hopefully not too many bumps and bruises.
links in the reblog
Everyone had been looking forward to this day for ages. Getting out of the classroom, getting out of Paris, and being outdoors for a day. It had been talked up for weeks, people checking with each other- can you come? Can you come? How about you?- to make sure that their friends would be there, too. They had talked about nothing else for the days leading up to it, and now it was here.
The school field trip to a downhill ski area. They had taken a train out of Paris early- too early for Marinette's liking, and she had napped for most of their time on it- and now a bus was shuttling them from the train station the rest of the way to their destination.
Despite the fact that most of the group had either never been skiing before or hadn't really skied much, the excitement levels were high. Kim and Alix boasted about what runs they wanted to do, each talking up larger and harder slopes until Ms. Bustier put her foot down and informed them in no uncertain terms that some of the slopes would be off-limits to them, since the teachers weren't comfortable with how potentially dangerous they could be and there was no way of knowing if their parents would be okay with it..
"We are not going to have any broken arms today," she told them sternly. "So if you want to go off on your own and do anything bigger than the bunny hill, we'll have an instructor go with you for a run or two to make sure that you can handle it."
"They could have asked our parents, too," Alya pointed out as Kim and Alix settled back down with nearly identical pouts on their faces. "I've been downhill skiing loads of times. I'm not going to do anything crazy, of course, but I can definitely move off of the bunny hill."
"Yeah, I'm mostly going to be on the blue slopes, and maybe some of the easiest red slopes," Nino agreed, and both Adrien and Marinette frowned.
"Red slopes? Blue slopes? What does that mean?"
"Intermediate and beginner slopes," Alya explained. "It's the classification system, so that people know what hills they'll be able to do safely before they get to the top of the hill. I'd be surprised if all of the red hills are open to us, actually. There's a couple that are easier and then a few that are more difficult even within the red classification, so people can choose what they want."
Marinette nodded nervously. She hadn't ever been downhill skiing before, so everything was so new. "Why don't they make smaller classification types, then? Wouldn't it make sense to mark hills as specifically as possible so that people don't get hurt?"
"That's what all of the waivers are for," Nino joked, waving the forms that they had been given to fill out at home. "We sign our lives away before we even get out there."
"Not helping."
"They usually have write-ups of the slopes in the brochure," Alya told Marinette, sounding tired. "Nora had a copy from when she went last year with some of her friends, so I've been looking at them and deciding which ones I want to try. I'll start on the easier slopes, I think, and work my way up."
Marinette nodded. She would be starting on the bunny hill, and in all honesty would probably be staying there. Even though her coordination had improved since becoming Ladybug, putting heavy boots and skis on her feet would probably throw all of that out the window. She probably wouldn't see Alya all day, which was disappointing. But she didn't want to hold Alya back, either, and being on the bunny hill when she was used to intermediate slopes wouldn't be fun at all.
"I wouldn't even touch red slopes in some places," Nino was saying when Marinette tuned back in. "The really big areas that are way out? Nope, not a chance. I like my neck too much. But this is a smaller area, so the slopes aren't as long or as steep as some places."
"There was one place I went to once- because my mom was catering for a party there, we got free passes- where I only dared touch, like, half of the green slopes," Alya agreed. "And then there were people whipping down the black slopes, and I was just like, are you nuts? You could die! And there were always accidents. Several injuries per day wasn't uncommon- but not necessarily bad injuries!" Alya added hastily, seeing the looks on Adrien and Marinette's faces. "Like, sprains and concussions. I mean, there were some broken bones, but-"
"Alya, just stop talking," Nino cut her off with a laugh. "The injuries were on the more difficult hills. The most you'll get on the bunny hill is a couple bruises, probably."
"I'm not liking these qualifiers," Adrien told Marinette. "And there seem to be a lot of them."
"It'll be fine, I promise!"
"So Alya, if you ski so much, why don't you have your own equipment?" Marinette wanted to know, changing the topic before Alya and Nino could devolve into debating all the possible injuries that one might be able to get on the bunny hill. "Nino does."
"I outgrew mine last year," Alya admitted grumpily. "And I'm not tall enough for Nora's old skis yet. So I'm renting this year and probably next year, too, unless my dad has an afternoon off and we can make it to a used equipment store or something."
"Downhill stuff isn't cheap," Nino added. "My family always buys used. Used, or deeply, deeply discounted, when the stores have old stock sales."
"I did bring my own helmet, though, since I don't really want to use the ones in the rental shop," Alya told them. "And my goggles. I didn't outgrow those."
Marinette's anxiety mounted as the bus continued down the highway, even as their conversation moved onto other topics. She could already see herself tripping and falling and somehow breaking an arm or a leg or something- or worse, breaking someone else's bones. Maybe she would accidentally stab someone with a pole while falling. Maybe…
Oh, gosh, what if she hurt Adrien? She'd never be able to face him again.
"They won't give beginners poles." Nino's voice cut Marinette's thoughts short. He was talking to Adrien, who looked about as concerned as Marinette felt. "It's just one more thing to trip over and worry about. You don't need 'em, really. Not for the basic runs."
"Oh, thank god."
The bus slowed and turned onto a smaller road, and the excited chatter in the bus turned up another degree. They wound through a tall forest of pine trees, branches brushing over the top of the bus.
"Oh, great," Adrien muttered. "If there are trees like this on the hill, we're going to end up running into them, aren't we?"
Nino whacked his shoulder. "Stop worrying so much."
"Sorry, that's impossible."
"Oh my god, you're such a downer, dude."
The bus continued through the trees for a bit, winding upwards. Slowly, the trees thinned out and bright white snow replaced their view, extending out in all directions as far as the eye could see. Automatically, Marinette peered out the window at the gleaming slopes outside. Immediately, though, she wished that she hadn't.
"That's small?" she demanded in a squeak, eyes bugging out of her head as she whipped around to face Alya. Behind her, she could hear Adrien expressing a similar sentiment to Nino. "And we'll be going down those? Alya-"
"Oh, relax," her (absolutely insane) friend told her, grinning. "It'll be fun!"
Adrien's nerves weren't going away as they were shepherded into the building and through the rental area. The hills were huge, super tall and long and steep. Almost no one else seemed surprised by that, which meant that they had probably gone downhill skiing at least once before or at least was more familiar with the concept than he was.
Well, almost no one except for Marinette. She seemed as intimidated as he did, which was honestly a relief. They could stick together and be terrified as a team.
The workers behind the rental counter worked together almost seamlessly, shuttling their class through the area incredibly quickly, considering that the entire lycée was going through at once and it looked like absolute pandemonium to him. Then they were bundled up and shuffled outside to meet their instructors.
Adrien did not see any hills that didn't look absolutely terrifying. They were all tall, all steep, and worst of all-
"Why isn't there any room to stop at the bottom?!"
-there were really only maybe a dozen meters between the bottom of the closest several slopes and the mesh fence right in front of the chalet. Marinette was staring at that space with a look of horror on her face, clutching at Alya's arm as though her friend could change that somehow.
"You start slowing down before you hit that bit," Alya told them. "Slow and then turn so that you run along the bottom instead of straight into the building."
"How?"
Adrien wanted to know that, too.
"They'll teach you," Nino reassured them. "You won't just hop on the hill without any idea of what to do. They'll tell you how to slow down and stop first."
"But we're just supposed to go up without any practice?" Adrien demanded, voice coming out embarrassingly high. "There's no short slope to practice on first?"
Nino gave him a disbelieving look. "Dude, that is the short slope."
Adrien made a noise that he wasn't sure was entirely human.
"Can the more experienced skiers come this way, please!" one of the instructors called. "We're just going to do a quick run or two down the hill before we turn you guys loose."
"Right, see you guys later," Nino told them with a grin. "Don't die on us!"
Alya slapped his shoulder. "Nino, don't joke about that!"
"I was just trying to be funny, I swear!"
And then Adrien and Marinette were left on their own. Adrien suddenly wondered if it would be suspicious if he vanished and Chat Noir appeared to ski in his place. He would feel a lot safer in a indestructible super suit, but somehow he suspected that his classmates weren't that oblivious.
They watched as their more experienced classmates hopped onto the lift, slowly ascending the slope before vanishing at the top. There were a few minutes of nothing, and then they started appearing, zipping down the hill like it was nothing.
As though there wasn't an entire freaking building at the bottom, solid and imposing and unmoving.
Someone was doing fancy zigzags, curving from side to side as they went down. They all started slowing down as they approached the base of the hill, though Adrien couldn't tell how.
Whose bright idea was it to strap bits of plastic and metal to their feet and go plummeting down a hill? Seriously, how did anyone find that fun?
The group piled back onto the lift and headed back up. Adrien would have kept watching, but the instructors had started dividing the rest of the students up into groups and he wanted to be sure that he stayed with Marinette. They could fall down the hill together.
And then their lesson started. Adrien listened as closely as he could, trying to soak up all of the information before they got sent down the slopes. He was hoping that Nino was joking, that the actual bunny hill was hidden away somewhere, but no such luck.
At least it wasn't one of the hills with the chalet immediately at the bottom. If they didn't stop or turn right away, at least they wouldn't go straight into the side of the building, just the mesh fence and all of the ski racks at the side of the building.
(Well. Unless they turned in the wrong direction, they wouldn't go into the side of the building. If they did, they would be in for a world of pain.)
"I'm honestly surprised that we're still doing field trips like this," Marinette said quietly as they were shuffled towards the lift. "What with Hawkmoth's akumas interrupting class so often…"
Adrien nodded. It was a struggle for the teachers to stay caught up on the curriculum when classes were interrupted, and although not all attacks caused interruptions (for the majority of the school, at least), the ones that did added up over time. He had only dared to leave the city because Hawkmoth and his kwami had been injured in the last attack, two weeks prior, and their magic hadn't recovered enough yet for him to be able to akumatize anyone. "Maybe they knew that people would complain if they canceled. I bet a lot of people were looking forward to it."
"Crazy people."
Adrien could only laugh and agree.
They were up next for the lift, and Adrien's knuckles turned white under his gloves as he sat down and gripped the bars. His feet felt awkward and heavy- a huge change from when he was fencing, or playing basketball, or being Chat Noir- and his skis clunked together and criss-crossed as they lifted up into the air. Marinette didn't look like she was faring much better.
They climbed up, and up, and up. The top of the hill grew closer, and Adrien gulped as he glanced back down the slope.
Could he just stay on the lift and go back down? He had changed his mind, he didn't want to do this.
Their instructor left them no choice. She met them at the top, ushering them off and into a haphazard line.
"We'll go two at a time, to make sure that we aren't tripping over each other," she told them. "Ready?"
"Nope," Adrien muttered under his breath, and next to him, Marinette let out a nervous giggle.
In pairs, starting with the people who had skied a couple times before, the group started down the hill. They wobbled, swerving unevenly back and forth as they made their way down the hill.
It didn't look any smaller from the top. Adrien gulped, watching the line get shorter and shorter as he and Marinette got closer to the front.
And then the first of the first-timers went, sliding haltingly down the hill.. They let out a screech as they fell, only a dozen meters or so from the top of the hill.
That was embarrassing. Adrien hoped that he wouldn't do that. He had a reputation as athletic and coordinated that he wanted to uphold, so hopefully he wouldn't be wiping out. Not right away, at least.
If he got to the bottom of the hill and wiped out, that would probably be understandable. Bottom or two-thirds of the way, at least. Of course, if he fell then, he would probably be going faster than he really wanted. Going faster and coming to a sudden stop would probably mean a higher chance of breaking bones or otherwise injuring something, right?
...maybe he could swallow his pride and be fine with falling earlier. He probably wouldn't have a lot of choice in the matter, after all. And the only people who might actually judge him- Kim and Alix, mostly, plus a couple people from his fencing team- were already scattered across the mountain, far out of sight.
And Marinette wouldn't tell anyone. She would probably be falling right next to him on their way down the hill.
"Okay, you two next," their instructor told them. "Snowplow the entire way down, so that you don't pick up speed, and then get out of the way once you reach the bottom."
Adrien gulped and glanced down the hill. Nope, it hadn't shrunk at all since the last time he had looked. Not even a little bit. Still, Marinette was inching her way forward, so he couldn't stall any longer.
His skis inched over the edge, and then he was moving downward in starts and stops, wavering uncertainly. Marinette had started making a noise that was not unsimilar to a teakettle as she moved down the hill, just a bit faster than Adrien was going.
He managed a smile at that. Even when flustered, Marinette was cute.
"Wait, how do I turn at the bottom again?" Marinette yelled as they reached the halfway point. "I've forgotten!"
"You do something else with your skis, I think!" Adrien hollered back from nearly a dozen meters behind her. "At least I hope that that's what it is, because that's what I was planning on doing!"
Marinette turned her head partway, clearly about to give him a dubious look, but then she wobbled alarmingly and whipped back to face the front, arms extended to try to keep her balance. Adrien winced, fully expecting her to fall, but she didn't. Surprisingly enough, Marinette made it to the bottom of the hill upright and wobbled across the flat part at the base of the hill, finally inching to a halt right before the plastic mesh fence.
Adrien was still a third of the way up the hill, inching his way down at a much slower pace.
"Are you scared of going faster?" Plagg asked, popping his head out of Adrien's jacket. "This is so slow!"
"I picked this speed and I'm sticking to it," Adrien insisted. He tried adjusting his skis and squawked when he jolted forward. "It's a perfectly good speed."
"Your friend is already at the bottom of the hill," Plagg pointed out helpfully.
"Yeah, she must have been doing something different." Adrien wobbled as he hit a bump in the snow, windmilling his arms to stay up. "I'll get there. Eventually."
"Yeah, tomorrow."
"I don't exactly have a supersuit on right now," Adrien pointed out tensely. "If I fall or run into anything, I could actually get hurt. And if I get hurt, then I can't fight akumas as well as usual."
Plagg groaned loudly. "Oh my god, I can tell already why you don't have any downhill skiing experience, you're such a worrywart. I'm surprised that your parents didn't have you learn."
"Neither of them liked it, so why would they teach me?" Adrien let out a yelp as his ski hit a bump and made him wobble. "And I can see why they wouldn't like it, too!"
Plagg snorted and retreated back into Adrien's jacket as they finally got to the bottom of the hill. Adrien wobbled to a stop, then shuffled his way over towards Marinette.
"I thought that I wouldn't be able to stop," Marinette told him with a laugh. "I nearly hit the fence!"
"At least it wouldn't have been a hard hit," Adrien pointed out. "And you were going faster than I was. I was going at the approximate speed of a particularly tired snail."
Marinette giggled, and they moved over to join the rest of the group. "I wanted to go slower, but I didn't dare adjust my skis at all. By the time I was halfway down, I was fine with it. Mostly."
Adrien grinned at that.
It wasn't long before their instructor joined them. She waved them into a tight group, then smiled at them. "Okay! That was a nice first run. Now we're going to divide up a bit- people who didn't fall on the run will try doing a loose zigzag. Maddie will demonstrate- you want to go from one side of the run to the other and back, very shallow zigzags so that you don't go too fast. People who fell will do another snowplow run."
"Oh god," Adrien muttered as the assistant instructor started divvying them up. "Zigzags? That sounds like it requires adjusting the skis mid-hill."
He wasn't looking forward to that. There would no doubt be several seconds of the skis facing directly downhill while they made the turn itself, and if they weren't turned in time he could find himself zipping straight down the hill.
"I promise not to laugh if you fall," Marinette offered helpfully. "As long as you don't laugh when I fall."
"And I'll even promise to do my best to not fall on you if you fall," Adrien said with a laugh. "I'm not sure how much my best counts for, though."
They rode up the lift again, waiting anxiously in line for their turn. Their assistant instructor went first, making smooth turns before heading easily across the snow again. The first pair went, and Adrien was surprised when there was no falling.
Then he remembered that oh, right, some of the others have skied before. They just hadn't skied much, which was why they were in lessons with the rest of the beginners. They would be more confident than he and Marinette were on their skis, just not confident enough to head off without a review first.
"I can't wait for lunch," Marinette commented as they inched forward in line. "Getting off this hill and having a break? Eating food? That I can handle."
"I think we have to have mastered the basics before we can go in," Adrien said glumly, because now that she mentioned it he was remembering the food choices on the menu that he had looked up, and some of the offerings sounded really good. "And maybe it's a good thing. If they can make this at all enjoyable before we go in, maybe I'll go back out after eating instead of staying in and playing games on my phone."
Marinette made a face. Clearly she was in favor of just staying in. Adrien was leaning that way too, to be honest, but he had only done one run so far. Maybe it would get better.
Of course, maybe he would end up falling down on his face like the person who had just started their run down the hill. That didn't look comfortable.
And then it was time for him and Marinette to go.
Adrien gulped as their instructor angled him and then gave him a gentle push off the top of the hill. He started across the hill, at a shallow enough angle that he wasn't picking up too much speed, right at the trees that bordered the run.
He wasn't a fan of that bit. Couldn't the run be bordered by cushions or something? Maybe some pillows?
Behind him, Marinette's teakettle noise had started up again. Adrien chanced a glance behind him, spotting Marinette as she caught up to him.
Apparently she was going faster than him again.
Marinette took the turn before he did, letting out a tiny cheer as she successfully got herself turned around. Adrien tried to follow, and instead found himself angled a little too far down.
Oh, no. He didn't like this. Not one bit. Not at all. He wanted off, now.
"Adrien!"
"Shoot shoot shoot, what do I do?" Adrien yelped, wobbling as he picked up more speed. "Plagg-"
"Turn, kid! Turn or fall!" Plagg had stuck his head out again and was watching nervously as the opposite side of the slope approached quickly. "Or do that snowplow thing that you were doing earlier!"
Adrien tried. He pushed his heels out and his toes in, trying to put on the brakes. Instead, his skis got tangled up and he pitched forward into the snow. There was a loud click from the vague direction of his feet, and he had enough presence of mind to hope that it was his boot or the ski instead of his bones or something else important before he hit the ground face-first.
Nothing seemed to hurt, at least. Well, except for the sting of the snow against his face.
"Adrien, are you okay?" Marinette's worried voice cut through Adrien's mental groan (he couldn't have at least had a slightly dignified tumble? It had to be a complete and utter failure of a fall?) "Adrien- oh! Your ski!"
Adrien extracted his face from the snow in time to see one of his rented skis head down the rest of the hill without him. He stared after it for a few seconds- that explained the click, at least- then heaved a sigh and planted his face right back in the snow.
There was a distinct snicker from his jacket. Apparently Plagg was amused by the situation. That made exactly one of them.
"Adrien, can you get up?" Marinette pressed, and Adrien resigned himself to getting up. There was no point in needlessly worrying his friend just because he was embarrassed. "Adrien?"
"'M fine," Adrien assured her, pushing himself to his knees. To his surprise, Marinette was only a meter away and had somehow managed to grind to a near-halt without falling herself. He blinked at her, and after a moment realized that she had probably been headed straight for where his head had been before she had stopped herself.
Well. That was fortunate that she seemed to be doing better than he was at downhill skiing, at least.
Marinette's whole body drooped with relief. "Oh, good! I was worried! That looked like a nasty fall," she added. "And your legs kind of went at funny angles, too, so…"
"Everything feels all right," Adrien told her hastily. Then, just to lighten the mood, he added, "Well, except for my pride. But it'll recover."
Marinette was still watching him like a hawk. "Are you sure?"
"I promise." Adrien glanced down the hill, where his ski had settled against the side of the building. "I'm not sure how I'm meant to get down now, though. If downhill skiing sounded hard, downhill skiing with only one ski sounds even harder."
Marinette craned her neck and wobbled dangerously. Adrien winced, fully expecting her to topple over on him. Miraculously, though, she stayed up. "I think I see one of the instructors getting it. They'll probably bring it back to you."
Adrien briefly wondered if he could just bury his face in the snow again. No other student had needed a teacher to come down and help them mid-hill, so it was embarrassing that he did.
It didn't take long at all for the instructor with Adrien's ski to get up the hill and then back down to him, expertly sliding to a stop next to him.
"Marinette, please proceed down the hill," she told Marinette, who had managed to stay relatively close to Adrien. She hadn't been able to completely stop moving, so she had made a sharp turn and was now creeping past on Adrien's downhill side. "We'll meet you down there."
With one last look at Adrien, Marinette adjusted her skis and started moving down the hill again, slow but steady.
She was definitely getting the hang of this faster than Adrien was. He would have been jealous, but honestly he was proud of her. She was dealing with her nerves a whole lot better than he was.
"All right, Adrien," the instructor said, turning to him and holding out his ski. "Let's get this on and finish the hill, all right?"
Marinette got to the bottom of the hill and turned one last time to glide along the flat area, a grin on her face as she managed it. She had wobbled pretty badly on several- well, most- of her turns, but for once her clumsy tendencies had worked in her favor. She had plenty of practice in catching herself before she properly fell, and there had only been one time when she floundered enough to have to push off the snow to stay up.
It was really a miracle that she hadn't overbalanced and fallen the other way. A miracle, or just really, really good luck.
"Good job!" Tikki told her proudly. "I told you that you could do it!"
"I just had to do the same thing I did when I was learning how to use my yo-yo, just like you told me to," Marinette told her kwami. "The fear is there, but I have to not let it overtake me and stop me from learning and trusting my gut. And then I was worried about Adrien, too, so I had to act on instinct- and it worked!" She was a little giddy, to be honest. The entire way down, she had been convinced that she was going to mess up and end up zipping into a tree, but she hadn't. When she had tried to turn, she had actually turned, just like she wanted to.
Marinette wasn't going to be going any faster anytime soon- the lazy curves that she had been doing were the perfect speed- but she had done it.
"I hope Adrien is all right," Marinette added, glancing back up the hill towards where Adrien and the extra instructor were making their way down the hill. She seemed to be making sure that he wasn't going any faster than he wanted to be. "That was a really nasty fall. I didn't even see what happened."
"I think he tried to snowplow and angled his skis too much," Tikki told her. "And then they criss-crossed and he came to a faster stop than he expected."
Marinette winced.
Adrien's face was pink when he finally got to the bottom and shuffled over to join her in line for the lift. He looked distinctly disgruntled.
"You have snow in your jacket," Marinette commented, automatically reaching up to try to brush some of it off. "That doesn't look comfortable."
Adrien winced as he reached up as well, digging his fingers down the back of his jacket and pulling out several chunks of snow. "Yeah. That's what I get for being an idiot and falling."
"You're not an idiot," Marinette said immediately. "You're just learning."
"You're learning faster than I am," Adrien said, sounding discouraged. "I mean, the rest of the run went all right, I guess, but the instructor was pretty much tugging me into place every time. I keep not being able to do turns as tightly as I want to."
"I was nearly falling every time I did the turns," Marinette pointed out. "Except for that one time when I was barely moving at all. It's not like I was zipping down effortlessly."
"I'd rather nearly fall but make the turn right than end up not making enough of a turn and send myself zipping straight into the trees." They moved into position and sat down on the lift seat before starting their ascent again. "I wish we had a shorter slope to practice on. Shorter, and less steep."
Marinette nodded. That would be nice.
During the next run, she finally fell on a turn. It wasn't a hard fall, though, and most of the other turns seemed less wobbly, so she was going to count that as improvement. Maybe this would be fun after all.
Adrien seemed less convinced. He had nearly fallen once, but had also been snowplowing all the way down, except when he was turning. It was a surprise, really, since he was fabulous at every other sport ever, it seemed, but Marinette supposed that Adrien couldn't be good at everything. Besides, maybe he had had a steep learning curve for all of his sports but it had just been so long ago that he didn't remember it. She had heard that once somewhere, that little kids were less worried about getting hurt (or maybe they just couldn't know how badly they could potentially get hurt) so they didn't hold themselves back as much as teens and adults. Maybe that was what was going on with Adrien, too.
"Is it lunch yet?" Adrien asked as they headed up again. "It has to be soon, right?"
Marinette tried not to giggle at his exaggerated pout. "You just want to be done, don't you?"
"I mean- yeah, kind of," Adrien admitted. "It's frustrating that I'm so good at other sports and yet I'm at a complete loss here."
Marinette glanced over at him, curious. "Didn't you start out not so good at your other sports, too? I mean, you didn't just get thrown into fencing and immediately start winning trophies, right?"
Adrien laughed at that. "No, definitely not. But those sports are fairly safe, you know? If I ever felt uncomfortable when I was doing them, I could just stop. And none of my normal sports ever threw me onto a slippery hill with two bits of fiberglass strapped to my feet. It's that bit I don't like." He shrugged, wriggling his feet a bit and watching little bits of snow tumble off of his skis and fall to the ground below. "But there's also a part of me that wants to get at least one good run in, you know? Like, I have to improve enough for that, to make up for the mess earlier."
...well, if Adrien's pride was going to bring him out again after lunch, Marinette wasn't going to complain. She was intrigued now, just a little bit- and she wasn't going to lie and say that she wasn't also interested in making a nice, smooth run down the hill, free (or at least largely free) of wobbles and falls.
It turned out that the ski instructor had other ideas.
"Marinette, do you want to try going a little bit faster this time?" she asked, smiling at her. "Just a little bit! You can always snowplow if you decide that you want to slow down partway down the hill."
Marinette was sure that her whole expression dropped. Faster? Well, sure, she could try it, but wouldn't faster mean that she would be more likely to fall?
"And you can snowplow going into the turns," the instructor added, as though she was reading Marinette's mind. "So that you stay upright on them."
"You can do it!" Adrien encouraged her, beaming, and, well, there was no way she was going to say no after that.
"I bet you'll do great!" Tikki whispered as Marinette and Adrien joined the line. It was shorter than before, she noticed, and it didn't take long to realize that people were both going down faster and they weren't waiting for the full group to reconvene before having people go down again.
It gave her less time to really worry over the concept of going faster, which was probably a good thing. Hopefully it would be like when akuma fights had forced her to put aside her worries and focus on the moment instead of all the possible ways that she could mess up.
At least then she had had a magic super-suit to keep her from getting injured when the learning curve was a little too steep and she ended up falling or ramming into the side of a building.
When she and Adrien went up, Marinette started first. She did her best to avoid seizing up as her skis went a little bit faster than she had gone before.
"That's it, stay relaxed and move with the skis," Tikki coached. "You're doing well!"
"I'm repressing the urge to panic," Marinette ground out through gritted teeth.
"That's great! Keep repressing!"
For some reason, that made Marinette giggle. "And here I was thinking that repressing emotions was a bad thing!"
"Repressing is good- wait, no, that's not what I meant!" Tikki giggled as well. Then she gasped. "Oh! It's almost time to turn!"
Gradually, Marinette angled her skis in, slowing herself down until she was comfortable turning. It took a few seconds after the turn to readjust so that she would go just that little bit faster, and then she was off again.
It actually….wasn't that bad. She had slowed to a crawl, and had only really needed to work a little to keep her balance.
Huh.
She crossed the ski slope again, and this time when she turned she was confident enough to go a little faster, even. She had to give herself more time to slow down before the following turn, but it wasn't bad at all.
Cross the slope. Turn. Cross. Turn. Cross. Final turn-
"Why don't you go a little faster for the bottom one?" Tikki suggested. "It'll be fun!"
Marinette made a face. It was tempting, but… "We'll see."
She slowed down to a crawl, then re-angled herself, at a tiny bit steeper of an angle. To her surprise, it didn't feel bad at all.
Maybe she was getting the hang of this after all-
"Hey! Coming through!"
Marinette yelped and veered as someone went flashing by. The sudden movement threw her off, and then she was going much faster than anticipated down the remainder of the hill. She struggled to get back under control, but then she was at the bottom of the hill and skidding towards the chalet. Marinette angled her skis the best she could, altering her course enough that she wasn't headed directly at the building. There wasn't enough time to snowplow first before her turn, so she took it too fast and too sharply.
It really wasn't a surprise when she went tumbling into the mesh fence moments later. Marinette sighed at the sensation of finding herself on the ground (not that it was a new feeling, really), pushed herself back up, got herself untangled, and moved out of the way so that Adrien wouldn't hit her once he reached the bottom of the hill.
Adrien, who no longer had his ski instructor chaperone helping him. Marinette frowned, glancing around, and almost immediately spotted the instructor headed right for the man who had nearly hit her, a scowl on her face as she chased him down.
It took another minute for Adrien to get down. He seemed much steadier this time, and there was a small smile on his face as he drifted to a stop near her.
"That wasn't bad," he told her with a grin. "But that guy nearly took us out, didn't he? He knocked me over, too. What an ass."
"It looks like he's getting chewed out now," Marinette commented. "Hopefully he'll move to the other hills. Clearly he's good enough to do it."
They watched the man argue with the ski instructor for another minute before he suddenly conceded and stomped off, red-faced. The instructor glanced around, spotted them, and headed right over.
"We'll not have to deal with him again," she told them. "He had no business being on the bunny hill."
"What was he doing there in the first place?" Marinette wanted to know.
The instructor laughed. "He's from the US and didn't think that that was the bunny hill. He was raging on about how they shouldn't let beginners down the intermediate slopes, and I had to inform him that it was our bunny slope. I pointed him towards our intermediate slopes, though, and I think he maybe isn't quite so keen on them."
They both laughed.
"I'm guessing that he's from somewhere flat, where their expert slopes are our more basic intermediates," she added with a giggle. "And he probably didn't bother to look up the rise on our slopes before coming."
"So wait, what would their bunny hills look like?" Adrien wanted to know. "Not like this, apparently?"
"Very short and very flat." The instructor glanced at her watch. "On a more cheerful note, I think it's time for the lunch break! You can re-join us after lunch or ski on your own," she added. "I think you two might be interested in that slope over there. It's longer, but there are large portions that are a gentler slope than the bunny hill."
Marinette and Adrien gave the hill in question a slightly dubious look. It was taller than the bunny hill for sure, and longer, but at least it didn't have the chalet or a fence directly at the bottom. There was plenty of room to slow down.
"You can do it, I'm sure," she assured them. "And you don't have to decide right away. Think about it over lunch."
She headed off, and Adrien and Marinette shuffled towards the building. It took a bit of wrestling before they got their skis off- it was not straightforward- and then they headed in. The cafeteria area was already busy, and so the two of them dug out their money and headed over to get in line. Some of their group was already getting food, but most of the people around were adults, people who were serious skiers taking the day off to tackle the harder slopes. Still, it didn't take too long for them to get their food, and the two of them wound through the main part of the chalet to grab a table by the windows that were facing the mountains.
"I can't believe the instructor thought that I should be going anywhere near a hill that's not the bunny hill," Adrien commented as he dug in. "You, sure, since you seem to have gotten the hang of things, but she was still pulling me back on track."
"But the other hill isn't quite as steep," Marinette pointed out. Now that the instructor had suggested it, it stood like a challenge. She wanted to try it. She probably wouldn't have felt the need to do it before she became Ladybug, but now? "So you wouldn't be going as fast, right?"
Adrien glanced over at her and suddenly his expression turned thoughtful. Maybe he saw the pleading and hope in her expression- she didn't want to go down by herself, that would be no fun, and so far they seemed to have some sort of unspoken pact to stick together for the day- and was thinking about it. After a few seconds of thought, he spoke up again. "Maybe we could do the bunny hill a couple more times first? I'd- I'd be willing to try it after getting a little more practice with my turns."
"Sure!" Marinette wouldn't mind more practice, either. She needed that one good run without wobbles and falls. But more than anything, Marinette was glad that Adrien was willing to join her, despite his misgivings. It was really nice of her, and there was a tiny part of Marinette that wondered if he was going along with her because they were friends, or if maybe, maybe it was an indicator of his interest extending a bit more…?
"Oh, there's still a few people from our lesson out there," Adrien commented, pulling Marinette out of her thoughts. "I guess they wanted to try the bunny hill a few more times?"
"Maybe they just sent us in earlier because of that man who almost hit us," Marinette suggested, watching as two people slowly criss-crossed the hill. "I mean, I was a bit shaken after nearly getting hit. It was nice to get a bit of a break after that."
"Yeah- oh, look at that guy!" Adrien exclaimed, pointing, and Marinette looked. One of the other students was flailing a bit, and suddenly their skis were pointed down the hill. "Oh no! Look at them go!"
"They're not going to be able to stop!" Marinette gasped, leaning forward to watch. "At least they were most of the way down the hill when that happened, but oh! They're not snowplowing at all! And- oh, no, turn the other way!"
"Panic makes people forget all of their lessons," Adrien pointed out. He was leaning forward, too, a frown on his face as the skier slid across the flat. They hit the mesh net and went down in a heap, tangled with the plastic netting. They slid a little further before hitting the building with a low thud.
The instructors were on them in an instant, trying to untangle net and skier and then get the netting back up before anyone else came in danger of hitting the building. Somehow the skier was unharmed, and he was soon scooting off across the snow.
That did not make her want to get back out there on the hill.
"At least he didn't have poles," Adrien commented. "If he did…"
Marinette winced. Sharp, pointy objects and flailing combined? That would have been bad.
They settled into a comfortable silence as they ate lunch together, and Marinette thanked her lucky stars that she had gotten better about keeping her composure around Adrien. She only really stuttered and flailed around him now if she was trying to ask him out or if he startled her (and who knew that Adrien could be so sneaky?) but the rest of the time, they could hang out normally. The two of them had even exasperated Nino and Alya on occasion with their pun-offs, and giggling with Adrien was fun.
If she had still been getting all flustered around Adrien like she had the previous year, this trip wouldn't have been nearly as much fun. She would have been too busy tripping over both her words and her feet to be able to enjoy herself.
"Ready to head back out?" Adrien asked as they finished up their food. He scraped one last bite off of his plate and popped it into his mouth. "I'm done."
"Sure!"
The rest of the afternoon positively flew by. Adrien and Marinette hadn't returned to skiing right after lunch, instead opting to wander around and explore the area for a bit. They had watched snowboarders and skiers alike pull off crazy tricks on the terrain park hill, only leaving after seeing a particularly nasty tumble. Then they stumbled upon the trailhead for a few cross-country ski trails, which had Marinette grumbling that they hadn't been told about that.
"I mean, I've only done cross-country once and it was years and years ago," Marinette told Adrien as they headed back across the flat area. "But it was fun! And the hills were a lot smaller, too."
They stopped at the bunny hill next. Three runs later, Adrien was more confident with his turns and Marinette was celebrating a run that had been practically perfect.
And then Ms. Bustier informed them that their group would be leaving in just under an hour, and if they wanted to try any of the other hills, they would have to do it now.
"Wow, time really flew!" Adrien exclaimed as he and Marinette shuffled over to the hill that the instructor had pointed out earlier. "We haven't been here for that long, it seems!"
"Well, part of the day was taken up by getting here," Marinette pointed out. "It took a while. And then we had to get our stuff."
Adrien nodded. That made sense. Still, they had had to get to school early to get going on their field trip, and they weren't even trying to make it back by the normal end of the school day. It would have long since fallen dark by the time they got back to school and could go home.
This time, the lift ride was longer. Adrien's knuckles turned white again when he glanced back and saw how far off the valley floor they were getting.
It wasn't anything like the big slopes, the ones Adrien could see vanishing into the distance- the ones where there could be twenty or thirty people or even more people going down and they would still look pretty empty- but he could tell that they were going farther than before, and also just a little bit higher.
Hopefully the angry man from earlier had moved on to completely different slopes. Adrien didn't exactly want to get yelled at again. Or run down, either.
"Okay, what's the plan?" Adrien asked with a bit of a breathless laugh as they got off the lift and moved across the top of the slope. "Any preferred route down?"
"I was planning on pointing my skis straight downward and seeing how fast I could go," Marinette said, and Adrien's vision practically blurred with how quickly he whipped around to stare at her. His (confusion? Mild panic? Extreme panic?) quickly dissipated, though, when he saw the amused grin that she was (unsuccessfully) trying to hide.
"Ha-ha, you really got me," Adrien deadpanned, trying to not sound as amused as he felt. "Very funny."
Marinette's smile turned smug. "I thought so, too."
Surprisingly, their first run down the hill went better than Adrien had expected. He had fallen, sure- there had been one section that switched from really gentle slope to a slightly steeper slope, and there had been enough of a change that he had toppled- but it really wasn't bad at all. Longer, yes. It took longer to get all the way down and he and Marinette couldn't criss-cross the entire slope or they would get in someone's way, sure. But it hadn't been bad.
They went down twice more before they were called in. Adrien felt a bit bad for the workers in the rental area as an absolute pile of equipment was returned all at once as their school packed up, boots and helmets filling the counters and skis absolutely everywhere, but they didn't seem to be bothered by the complete and utter mayhem.
"Oh, gosh, my feet," Adrien groaned as he finally pried his boots off, feeling blood rush back into his feet. He could walk again! "I didn't even realize they hurt that much."
"I've got pins and needles," Marinette agreed as she hobbled towards the counter to give her boots back. "Ow ow ow."
One hasty gathering-up of their things later, and their group was bundled out the door and onto the bus, sweaty, tired, and a little bruised up. Apparently Alix and Kim had ended up on the Terrain Park later in the day and had tried a few tricks that they had really never learned. They had both wiped out pretty hard, and Alix was nursing a bruised wrist while Kim had gotten a sprained ankle. Needless to say, the teachers were not happy with them.
"So did you two ever move off the bunny hill?" Alya wanted to know as she and Nino piled into the seat in front of Adrien and Marinette. She was flushed and sweaty from skiing and her hair stood up on end as she pulled her hat off. "You must have been out a lot, Nino and I didn't see you at lunch!"
"Well, it was busy," Adrien pointed out. He tugged off his own hat- and wasn't it fabulous that Marinette had managed to find yarn in the exact shade of his favorite scarf and made a hat to match?- and did his best to tame the wild mess that his hair had turned into. "And we weren't in for long! It was nice outside."
"So the slopes weren't quite as scary as you thought, huh?" Nino asked smugly. Adrien just shook his head.
"Oh, they were just as scary." He turned to Marinette with a smile, reaching out to give her head a friendly squeeze. "But you know what? They're not so bad with a friend to keep me company."
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porchwood · 5 years
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Fic Bits 2018: The One That Got Away
Modern AU; Madge POV. Jude/Madge, Gale/Madge. 
They say you can never go home again, and yet here I am, packing to do just that.
The second autumn after you graduate from college is when the niggling feeling starts, like you left town without returning your library books or forgot to put the new insurance card in your glove compartment. When the first one comes around, you’re elated that you don’t have to think – let alone worry – about registering for classes, mapping your daily routes across campus, or buying school supplies of any kind, but by the second you’re starting to feel like something’s wrong. It’s easy to understand why so many people fall into teaching. Your body gets set on that routine, so that going back to school in fall is as instinctual to humans as seasonal migrations are to birds.
Ironically, it was the school year that determined this move – or rather, the school year that necessitated it, though the fall semester is already several weeks underway. Beginning in January, Dad will be teaching again for the first time since I was in elementary school – and, doubt it not, loving every minute of it.
At twenty-three my life could and probably should be independent of my parents’, but no matter which way I turned the situation around in my mind, there was no truly good reason not to move back with them. As badly as I don’t want to go back to the small town where I grew up, there’s nothing substantial enough to keep me here if my parents are gone.
We’ve always been thick as thieves and, oddly, moreso since moving to the capital city. The fibromyalgia and chronic fatigue that kept my mother to a quiet routine in our hometown made her a veritable recluse amidst the constant bustle of squealing brakes and blaring horns, and everything was so blindingly expensive, we rarely partook of the concerts and boutiques and exotic restaurants that had sounded so exciting from our living room back home.
Moving here as a family had been the result of two somewhat predictable stars aligning perfectly: after twelve years as mayor, Dad was elected to the state legislature and I was accepted into the music program at a small private college, a short bus ride from the capitol building. My parents rented a spacious loft halfway in-between the two, which enabled me to keep tabs on my mother while enjoying the independence of living off-campus all through school, while our place back home was loaned out to visiting professors and the like – short-term rentals to keep the utilities running and keep an eye out for any maintenance issues that might arise. I’m told I missed out on the “full college experience” by not living in a dorm, but from all accounts, it’s a party I’m glad to have skipped.
For all intents and purposes, home has been 37 Ash Terrace for the past five years. Four-and-a-half hours isn’t the longest drive, but there was always one reason or another to stay here through the holidays – which is not to say we’ve never gone back, of course. Our family revisits can be counted on two hands, but I’ve made a few extra trips on my own for special occasions, the last of which – the baptism of Katniss’s son Janni – was more than two years ago now.
I look up at my bulletin board, now stripped of everything but the central photo, and have just tugged out the tack when my phone rings. It’s a local cell number – local to our hometown, not to here – but doesn’t pull up a contact, and I cross the first two fingers of my free hand, hoping one of my cover letters has snared an interview as I answer, “Hello?”
“Is this Madeline Undersee?” asks a young male voice.
That was one of the best things about moving away, and one that I’m particularly loath to leave behind: finally getting to be Madeline, not Madge. That a young professional back home is addressing me as such, however, gives me hope.
“It is,” I affirm, and there’s a brief, quickly stifled sound from the other end before the caller goes on, “I was wondering if you might be available to play a wedding in November.”
The pieces snap together in my mind. It’s probably a local boy who went to college in the capitol like myself – it’s a common enough path – and found himself a fiancée, though it is a trifle odd for the groom to call ‘round for an accompanist.
“I’m sorry; I’m actually moving out of the area this weekend,” I reply, “but I can refer you to several other musicians who would be excellent choices.”
“I’m afraid it really has to be you,” he says with what sounds far more like mischief than regret. “What about a wedding in your hometown? Would that be a little easier to manage?”
“In –?” I break off, mind whipping through the possibilities. It’s hardly a secret that the Undersees are moving back after five years in the big city, but we’ve kept radio silence on my own return except where potential employers are concerned, so there’s no way some random local groom could even know about me, let alone want to hire me for his wedding. “Who is this?” I demand more than ask, a shy fifteen-year-old bookworm all over again, bristling in anticipation of the prank.
“You really don't know?” the young man responds, sounding genuinely surprised, and for a half-second my heart skips in hope, never mind that his voice bears no resemblance whatsoever to Gale’s rough, smoky timbre. “I’m wounded, mädchen,” he laments, and my heart trips halfway through its skip and somersaults clumsily forward to faceplant onto the concrete below.  
“Jude?” I squeak.
“You haven’t forgotten me entirely, then?” he teases.
“Don’t be daft,” I retort, my stunned heart now flailing in shock. “So…you’re getting married?” I almost ask if it’s Columbine but that crush is surely ancient history now, never mind that last I heard, she was headed to some fashion design or modeling program out east.
“Don’t be daft,” he throws back with characteristic self-deprecation, but the affection beneath it wraps about me like a blanket – or one of Jude’s incredible lingering hugs. “But I do need a wedding accompanist,” he goes on, “which as I said, really has to be you, but I want to tell you about it in person. When are you back?”
“Well – tomorrow,” I reply, and the whole thing suddenly feels surreal. “Well, the day after, really,” I clarify. “Tomorrow’s the drive up and the U-Haul unload. Mom and Dad hired movers but you still want to go through everything, you know?”
“Of course,” he assures me. “Want to meet at Primavera for Saturday lunch – say, 11:30? My treat.”
“Primavera?” I puzzle. There’s never been an Italian restaurant in our hometown – it’s too small and rural to sustain any such – but the nearby city has a few shopping malls and a much wider selection of eateries; it makes sense that Jude would want to go to one of them. “What – where is that?” I ask.
He gives a little choke of laughter in reply. “Have you really been away so long, mädchen?” he wonders, but something about my ignorance seems to amuse – even delight – him. “It’s Italian – awesome Italian – right next to Mellarks’.”
“There’s nothing next to Mellarks’,” I counter, because our tiny historic downtown has never been able to keep shops for long, not with countless department stores and discount stores not twenty miles off. “Unless…are we having a sidewalk picnic, Judah?” I venture, almost hopefully, and he laughs.
“If the first date goes well, we can do whatever you want on the second,” he replies, and I miss him so much that I snatch up a pillow with my free hand and hug it to my chest as hard as I can. “But I promise: there is a legit Italian restaurant next to Mellarks’,” he says. “I’m going to buy you lunch there on Saturday, and you’re going to love it so much that you’ll refuse to live out of takeout range ever again.”
“Color me intrigued,” I tease. “As much about your mysterious wedding as this new eatery.”
“They’re both worth the wait,” he promises, and I can hear the grin in his voice.
“I missed you,” I blurt and Jude falls suddenly, uncharacteristically silent. There are any number of well-deserved retorts he could hand me, ranging from You didn’t have to to I didn’t go anywhere, but Jude is the sweetest boy I’ve ever known – on a level with Peeta, really – and even in our most frustrated moments, he never addressed me half as harshly as Gale would on a good day.
I think I hurt him a long time ago, though he’s never said as much.
“I missed you too,” he murmurs, and the corners of my eyes prickle hotly.
I don’t want to go home – you can never go home again, everyone says as much – don’t want to explain why I have a music degree from a respectable college and am looking for any old day job in my hometown and living with my parents. I don’t want to see Gale Hawthorne – never mind how wildly I do want to see him – to face all the inevitable jibes about how I “couldn’t make it in the real world.”
But if Jude – sweet, funny, precious Jude – is coming back into my life, it just might be bearable. He’ll have a job and new friends now – a girlfriend, to be sure – and he may not even live in town any longer. But we can grab lunches together here and there and laugh about stuff that happened in high school. Maybe we’ll find new things to laugh about.
“See you Saturday?” I say.
“I’ll be the one with the red ribbon,” he replies.
As always, I’m the one who hangs up.
Jude always let me end our calls, always hanging on in case of one last thought or lament, one more drawn-out Night-night or See you tomorrow.
Looking down at the phone in my hand, I remember the incredibly idiotic reason Jude isn’t saved as a contact anymore and sit on my stripped mattress, both arms curled around the pillow and my chin resting on its edge. It was stupid and childish – and ultimately pointless, because he didn’t try to get in touch at all after that. Oh, he did the usual friendly Facebook stuff – comments on my posts and the like – because Jude is that kind of sweet, but he’d never do anything to make me uncomfortable.
And also, maybe, he was hurt.
It’s not as if I shut him out – there were no calls or texts or emails to ignore – and you could hardly call my across-the-state move for college “avoidance,” but it certainly aided me to that end, especially five summers ago.
I bite my lips together for a long moment, silently call myself an idiot, and save the number as a new contact: Judah Tolliver. Neat, professional, and objective, like a grown-up. After all, if he’s hiring me for a wedding we’ll be exchanging calls and texts over the next few months; there’s no reason not to add him to my phone.
Returning to my call history, I dial Rue, the high school friend I’ve stayed closest to by virtue of us attending the same college. Our courses of study and career veered apart over the past few years as Rue set aside music to pursue dance full-bore and is currently spending her days with a traveling company that does famous ballets in a pared-down, intimate contemporary style, with dreamlike costumes that I suspect her father has a hand in, but we’ve stubbornly kept in touch all this while, meeting for a meal and a chat whenever her schedule allows.
She’s halfway across the country dancing Swanilda in Coppélia this season, so our farewell supper took place about two weeks ago. I don’t expect her to answer and am beyond surprised when she does.
“Hey chickie-babe!” she cries. “Are you home? I’ve only got a minute but I want to hear all about it. How did your house hold up?”
“We haven’t left yet,” I tell her. “We’re loading the U-Haul tonight and driving back tomorrow.”
“So where’s the fire?” she teases. “Don’t get me wrong, I love you to bits, but why call now? Are you getting sad about leaving – or going back?”
Rue understands my misgivings, even if she doesn’t share them. After I told my parents I’d move back with them, I curled up on Rue’s couch and cried myself into a stupor while she nestled her tiny fairy-form around me in a supportive hug. Going home is not failure, she told me over and over again, her husky voice sounding so like her mother’s as she rubbed my back in soothing circles. You and your parents have always supported each other; it makes sense you’d go back with them, at least for a little – and it’s not forever, not if you don’t want it to be.
Rue’s parents – a costumer and a choreographer – left the capitol when they started having kids and heartily embraced small town life in the heartland, but they both had vibrant careers behind them and were ready for quiet inexpensive living, for Piggly Wiggly and the county fair and a fixer-upper farmhouse, and they quickly found avenues to exercise their talents on a smaller scale.
I’m a year and a half out of college with eleven wedding gigs, five funerals, and a teaching slot at the local conservatory to show for twenty years at the piano and a B.A. with high distinction.
“Jude just called,” I reply by way of explanation. “He wants to hire me for a wedding –”
“His?” she interjects impishly.
“No,” I quell, “but he wouldn’t tell me who it is over the phone either. We’re meeting for lunch on Saturday to discuss it.”
“Meeting for lunch to discuss a mysterious wedding right after you move back to town?” she presses slyly. “Maybe it’s yours!”
Rue knows there’s nothing of that sort between Jude and me and never has been, but she’s equally convinced that there must be, or should’ve been. He adores you, you know, she’s told me time and again. Like, Peeta-and-Katniss level devotion. Couldn’t you just kiss him once and see what happens?
“Be serious,” I snort.
“I am,” she insists. “I never understood why the pair of you never got together, or why you fell out of touch after graduation. Jude was crazy about you –”
“He was like that with everyone,” I counter. “The sweet, funny thing – that’s just his natural demeanor.”
“And did he ask everyone to marry him if their respective crushes married other people?” she wonders.
“He said we should go on a date, not get married,” I remind her, the edge of a snap creeping into my voice. “It was a low moment and a long time ago. We were both feeling angsty.”
I don’t mention the other thing, the thing I’ve never told anyone – not even myself when I can help it.
“Well…maybe it’s time, sweetie,” she posits quietly. “Maybe Columbine finally found a husband and Jude wants to give the pair of you a chance.”
“I really don’t think that’s it,” I tell her, oddly wearied by the subject, but judging by the increasing volume of background noise, Rue’s about to be pulled away anyway.
“Sorry, I have to go,” she admits at the selfsame moment. “I’ll be back in a few weeks myself, but call me ASAP after your lunch with Jude, okay?”
“You got it,” I promise, and we hang up. I set the phone on my mattress, next to the photo of Gale Hawthorne from the state hockey finals seven years ago, and sigh.
I haven’t seen him since the reception after Ashpet’s baptism, and it wasn’t the most auspicious encounter.
I’d never struck a man before – or since – and certainly never in a church basement.
“Magpie?”
My father pokes his head through the open doorway. “Movers just got here,” he says. “Is your room ready to go?”
I tuck the picture of Gale inside my battered paperback of Jane Eyre, just behind the Candygram with the red ribbon threaded across the top and tied in a perfect, pressed, bow. “This is it,” I affirm, and slip the book into my purse before following my father downstairs.
As a tween I was enamored of the 1995 remake of Sabrina and resolved to head off to school with a photo of Gale – obligingly supplied by Jude, who worked on the yearbook – to pin on my bulletin board and systematically cover with playbills, flyers, ticket stubs, and the like. But I could never quite bring myself to obscure him completely, and when I went to London for my semester abroad I brought him there too, to try and forget in a foreign land.
The book is a Gale token too, also obtained for me by Jude.
I finagled to take Senior Lit in spring of my junior year in order to free up an elective senior year and as a result took the class with Jude. The first book on the slate was Jane Eyre – which I loved, somewhat to my surprise – and in true high school fashion, each copy had a log card inside the cover for the present user to write their name on, beneath the names of the book’s previous readers. Of course, neither Jude nor I got Gale’s but we knew someone had it, and at Jude’s graduation party – months after all the books had been checked back in – he stole me away to his room to press the prized copy into my hands.
I think you were looking for this, he said as I opened the cover, frantically scanned the names inscribed therein and threw my arms around him with a shriek.
But Jude, I realized, pulling back with a start, you swiped this; what if they won’t let you graduate-?
I just did, he reminded me gleefully, and the diploma is signed, sealed, and securely secreted in Mom’s wall safe as we speak. Anyway, it wasn’t my copy, so even if they do notice it’s missing, it’s not me they’d come after.
I looked back at the last name on the card – Annie Cresta – and shook my head at him. If she gets in trouble for this, I warned.
She won’t, he promised. They don’t care that much about one of twenty-three beat-up paperbacks, and it means a whole lot more to you than to the school.
I hugged him again, fiercely this time, and he curled his arms around me with a little sigh. I’m so glad you like your present, mädchen, he murmured. I know it’s not you graduating, but I wanted to beat the rush.
I spent most of Senior Lit associating Gale with Mr. Rochester, to Jude’s clear chagrin, which was curious as he didn’t seem to like the character any more than he did my sullen, dark-haired crush. I’ll grant you similarities, he agreed, but can you imagine Gale delivering that beautiful string speech in any universe?
We took our Jane Eyre final on Valentine’s Day, and in the class directly following I received an anonymous Candygram with a strawberry lollipop affixed, a red ribbon painstaking woven through neat holes punched across the top and tied in a small bow, and the handwritten message:
“I sometimes have a queer feeling with regard to you – especially when you are near me, as now: it is as if I had a string somewhere under my left ribs, tightly and inextricably knotted to a similar string situated in the corresponding quarter of your little frame. And if that boisterous channel, and two hundred miles or so of land some broad between us, I am afraid that cord of communion will be snapt; and then I've a nervous notion I should take to bleeding inwardly.”
I wished so badly for it to be from Gale – never mind he wasn’t even in school anymore, let alone inclined to quote Charlotte Brontë – or maybe that I had some other mysterious tall-dark-and-handsome admirer, but I knew exactly who it was from and let my head fall against his shoulder as we sat next to each other in the choir room, his literary Valentine cupped in my hands.
Jude’s breath caught a little at the gesture, then leveled out in a long slow sigh.
Thanks, Jude, I whispered.
We both knew it wasn’t a real love note but I treasured it as one just the same, pressed between the pages of my student planner until finding a worthier setting inside Gale’s copy of Jane Eyre. The book and Candygram went everywhere with me – every summer camp and weekend trip during my senior year and in college, on every choir tour, every visit back home, all across Europe on my backpacking trip with Rue and then on to my bedside table in England. If I couldn’t lay hands on it at a moment’s notice I’m not sure I’d be able to breathe.
The movers are quiet and efficient and the truck is loaded in a fraction of the time we anticipated, prompting Dad and me to hash out the pros and cons of setting out tonight instead, but there are plenty of last-minute little things to wrap up and we’d all prefer to make the drive on a good night’s sleep – which unfortunately, is not to be had for me. Dad booked us a hotel room in the suburbs for convenience, so we could check out of the loft as soon as the truck was loaded and leave in the morning without having to wait for one last walk-through with the landlord, but while he and Mom drift off quickly in their queen bed, I frown up at the ceiling from the sofa sleeper, contemplating Jude and Jane Eyre.
The capitol is a long way off, mädchen…
My junior year – Jude’s senior year – was like high school is in the movies: a charmed, wonderful dream that feels like it’ll never end. In October Peeta finally plucked up the nerve to ask Katniss out, and their relationship brought both her and I – and to a lesser extent, Rue – firmly into the Mellark circle. Jude and I had been friendly before that, but he’s both cousin and close friend to the Mellark brothers, and as a result he and I were thrown together almost constantly at meals, school events, even youth group outings. We jokingly called these “triple dates” or “quad dates” sometimes, since the rest of our group consisted of fast-and-firm couples – Peeta and Katniss, Luka and Johanna, and often Finnick and Annie as well – but no one ever seemed to take the idea of Jude and me as a couple seriously.
We were madrigal seat partners that December, which necessitated all kinds of marriage banter throughout the dinners, then after Christmas came Senior Lit and Jane Eyre and auditions for school’s production of Fiddler on the Roof. Determined not to miss out on a role when my best friends were undeniable shoo-ins, I dyed my hair a deep chestnut-brown the night before my tryout – solidly shocking everyone in my acquaintance, but it served its purpose when I was cast as Tzeitel. I’d had my hopes set on playing any one of the sisters and forgot until the read-through that I was playing the one whose wedding is a major showpiece of the play – and that I would be marrying Jude, made even more endearing in little round glasses.
I’d never had so much fun, before or since.
I left most of my high school mementos at home when we moved to the capitol but the Fiddler album has stayed with me, and from time to time I page through the photos, the notes that came with flowers from my parents and teachers, the programs that we all signed – and the subsequent ridiculous everyday notes from Jude addressed to “Wifey” and “Mrs. Kamzoil.”
Prom came around in April and our school required everyone to attend in pairs, so it was effectively decided over youth group pizza after a highway trash cleanup that I would be going with Jude. I’d nourished a pipe dream that Gale might magically materialize and ask me to go with him – you could attend with someone who had graduated and it happened now and again, with college freshmen coming back to escort their girlfriends – but when he actually did appear at the dance it was with Leevy, his flavor-of-the-month girlfriend, if the rumors were to be believed.
I still had my brown hair at prom-time, which Jude lamented to no end while alternately telling me that I was “gorgeous just the same” and making me laugh at the silliest things. The dance was a blast for the first two hours, and then Katniss and Peeta quietly revealed to our group that they were engaged, with plans to marry the following spring after graduation.
Their courtship had been rapid and intense – emotionally, not physically – and no one was surprised that marriage was forthcoming, but the timetable was shocking to say the least. None of us believed that Katniss was pregnant or anything of the sort but they were both barely seventeen, and neither had any interest in going on to college. Peeta had a career waiting at the bakery he loved and Katniss was supremely adaptable to almost any kind of work – and neither was closing the door on trade schools or vocational degrees, if a good fit should present itself. They had decided – rather practically – to spend their senior year planning the wedding and finding a home rather than fretting over the ACT and college applications, and they would get married at the end of May, before the weather got too hot and everyone headed off to college.
It was a preposterous and entirely sound plan.
Peeta and Katniss skipped the school-sponsored after-prom party, unsurprisingly, while the rest of us splintered off into contemplative pairs. Finnick and Annie and Luka and Johanna both seemed as good as engaged to me, but the announcement had rattled them as well, and Jude and I wound up watching the smarmy stage hypnotist by ourselves in a subdued sort of silence.
It wasn’t that either of us was unhappy at the news, exactly. While I considered Katniss my best friend, we had never been chatty in typical girlfriend-fashion, and yet her impending marriage struck my stomach like an icy stone. You’ll be going to college anyway, I reminded myself, and you’ll stay in touch, but none of this served to soothe.
Jude absently wrapped his tux jacket around my shoulders and then his arm, resting his cheek on the top of my head. He’d barely spoken since the engagement reveal and I couldn’t begin to guess what his uncharacteristic silence meant.
It sounds really nice, he said suddenly, softly. Staying right here, getting married, coming home to a wife and babies.
I wanted to retort something dry and mildly caustic but couldn’t find the words for any reply at all because it was nice, this future Peeta and Katniss were setting up for themselves. I wanted to continue with music as long as I could; to study abroad, to live in the capitol and maybe other cities in due course,, but that wasn’t the future either Katniss or Peeta wanted, and why should they force themselves through the college mold, going eyes-deep in debt for degrees they had no interest in and possibly jeopardizing their relationship with the distance and other, inevitable, obstacles when the future they both craved was easily within their grasp?
Madeline, Jude continued in that same soft tone – I was always Madeline or, affectionately, mädchen to him – if Columbine and Gale marry other people, will you go on a date with me?
Almost as long as Jude and I have been friends, we’ve been aware of each other’s hopeless longing for an oblivious sweetheart and openly commiserated about it, with no fear – or even thought – of annoying each other or hurting feelings. Butcher’s son Jude was in love with Columbine Wilhearn, all black curls and lovely voice, whose mother was a small-scale – if highly in-demand – clothing designer and I was in love with broody, breathtaking Gale, whose mother managed the local laundromat and who despised my very existence because, as the mayor’s daughter, I had surely been born to privilege – never mind that my father had been a music teacher before his election and that as mayor he served a rural town of some 8000 people and dealt with weighty matters like dog waste ordinances and ribbon cuttings for tiny antique shops.
We’d both made periodic, futile attempts to elicit our respective crush’s attentions, but somehow for the course of that year – the year of madrigal seat partners and Jane Eyre and getting married on-stage in Fiddler – the longing had felt a little less pressing. Jude still ordered flowers for Columbine on opening night – she was playing the female lead, after all – but in other circumstances he would’ve done so for every performance, not just the first, and he brought me flowers too – a vaseful of red tulips from his mother’s garden to brighten my corner of the greenroom. And while I knew he’d asked Columbine to prom their junior year – and been turned down, of course – I don’t think he even tried the next time around, just cheerfully stepped up to escort me when the opportunity arose.
In fact, to the outside observer, Jude and I probably appeared to be dating for the past year.
The realization left me cross, embarrassed and oddly weary. Jude and I were just friends, everybody knew it, but could we have inadvertently sabotaged each other’s crushes by spending so much time together? Would Gale have emerged to ask me out if I hadn’t been so immersed in the Mellark circle this year – and in Jude’s company in particular?
We’re at prom, I reminded him, my tone shorter than he deserved. I’m wearing an evening gown and your tux jacket. How much more of a date do you want?
I want to pick you up at your house, he replied without hesitation, a brush of lips against my lilac-threaded crown braid. Just you and me and maybe your dad on the porch, to shake hands and talk about the weather and remind me to have you back by 10:00, and I’ll tell you how beautiful you look as I slide an orchid on your wrist. We’ll go to a fancy restaurant and trade bites of our entrees and steal a pepper shaker when we leave, just to see if we can get away with it. We’ll hold hands under the table and slow-dance like it means something, not just because we came together and it’s obligatory, and when I drop you at home, you might let me kiss you under the porchlight.
I pulled away to look up at him, at those gentle smoky eyes – gray like Gale’s and yet absolutely, utterly, nothing like Gale’s – and tried to decide whether to throttle him or burst into tears, because I knew he didn’t mean any of this the way it sounded but it was still the sweetest thing I’d ever heard – and remains so to this day. But I didn’t want Jude – I didn’t, I was sure of it – and he didn’t want me, he was just getting broody – in the hen fashion, not the Gale fashion – because of Peeta’s engagement and Columbine had remained stubbornly indifferent to him, even in a tux or stage makeup or a doublet and tights.
Please, can I go home? I whispered. I’ll call my parents so you don’t have to leave.
Don’t be daft, he said lightly, but his eyes were sad. There’s nothing left to stay here for anyway.
Out of the corner of my eye I spotted Columbine at the soda table laughing at something Gale had just said and was inclined to agree.
I didn’t go home, though Jude was more than willing to make the detour: I went to Rooba’s, because she had a spacious house and had invited our whole group to stay over after the after-prom party, to sleep till noon and enjoy a lazy brunch before going home. We were a remarkably well-behaved group of teens so it felt more like a church lock-in than anything else, except for the fact that I changed into my pajamas from an evening gown and slept in Lettie Wilhearn’s bedroom – sans Lettie, of course, Rooba having given her older kids the weekend off work and banished them to the lake cabin.
Jude didn’t say a word on the drive. When we got to his house he asked if I wanted anything to eat or drink, then obligingly disappeared after retrieving my overnight bag and directing me to the nearest bathroom.
I belatedly recalled that I was still wearing his tux jacket and intended to hang it on the back of Lettie’s desk chair when I turned in, but somehow I ended up taking it to bed with me as an additional makeshift cover, my nose burrowed in the comforting scent of his collar.
I dreamt about orchid corsages and hand-kisses and sneaking a pepper shaker into my purse and woke with sore, slightly puffy eyes, as though I’d cried myself to sleep. Lettie’s alarm clock read 11:18am in the blaring midday sun and in the papasan opposite me was Jude, curled up like a child with a pile of throw pillows under his tousled head. His eyes were open and contemplative and very carefully focused on the pillow adjacent to me.
Hey, I greeted him in a sleepy croak.
Hey, he replied softly, eyes flickering to mine. Do…do you hate me, mädchen?
I blinked rapidly, trying to think what he might have done to make me hate him or if he was just referring to the fact that we’d ended up sleeping in the same room, which didn’t bother me two pins. We’d fallen asleep on each other on the bus back from Knowledge Bowl tourneys and music competitions more times than I could count.
Why on earth would I hate you? I puzzled.
Because I…asked you out, he reminded me with a wince while still firmly maintaining eye contact, as though determined to stay strong for his sentencing.
At prom, I confirmed, a smile creeping irrepressibly across my mouth. It’s a bit like being in love with one’s own wife, Sir Percy. Demmed unfashionable.
The Scarlet Pimpernel was second on the Senior Lit slate and Jude had loved it just as much as I loved Jane Eyre.
Consequently, my remark won a grateful, crooked smile and I patted the bed beside me: an invitation Jude accepted without hesitation, stretching out his lanky frame with a groan and a breathless oof! as I flung my arms around his waist and pillowed my head on his chest.
I liked the smell and feel of Jude beneath my cheek. It felt like home – or going back there – and I think in that moment I finally realized those moments were numbered and swiftly counting down.
I’ve never been asked out before, you know, I reminded him. It was sweet; the sweetest thing anyone’s ever said to me. And anyway, you potentially asked me out, under a very specific set of circumstances.
True, he agreed, and that seemed to set everything to rights. Want go find some breakfast? he wondered, tracing my braid with a fingertip.
No, I replied firmly and nuzzled deeper into his t-shirt, hiding my face from the sun.
Me neither, he agreed, and curled his arms around me, hugging me snugly to him.
Jude had clearly passed a rougher night than me because he drifted off almost immediately and was still sleeping hard at 12:30, when the savory smells of Rooba’s thick-cut bacon and handmade sausages roused my belly and brain respectively. (I learned later that Luka and Johanna had commandeered Jude’s bed, not for anything sketchy, but that they were curled together and sound asleep by the time he finally made it there, hence being relegated to Lettie’s papasan – a fine place for reading and cat-naps but miserable for a night’s worth of sleep.) On my way to the bathroom I practically collided with Jenny, Jude’s fourteen-year-old sister, noshing on a bacon sandwich and voracious for gossip.
So are you and Jude together now? she demanded with all the cheerful frankness of their mother. I saw you cuddling in Lettie’s bed.
I had always adored Jenny Tolliver more than I would ever let on. She and Jude were the only full siblings among Rooba’s five children and the similarities were endearingly obvious, despite the fact that Jenny inherited their father’s stunning black hair where Jude was a tow-headed, gray-eyed hybrid.
That was snuggling, I corrected her. Small but crucial difference.
You should think about leveling up, she advised gravely. He adores you, you know, and I hear teenage weddings are coming back en vogue.
Go away, imp, I teased, unbothered by her implication. She’d wanted me and Jude to get together since our first season of Knowledge Bowl and stubbornly refused to acknowledge that we didn’t like each other that way. I need to find some coffee and then we can argue this further.
I’ll be waiting, she said gleefully, stepping aside to let me into the bathroom.
But Jenny and I never reconvened for that argument, because that afternoon was the start of the slow crumble of the perfect high school year. Not because of anything to do with Jude or prom or Katniss’s engagement: because of something I overheard on my way to the kitchen that ended up being far more significant than I could’ve imagined.
Rooba and Marek – the Mellarks’ bachelor uncle – were preparing all the cooked food for the sleepy teenage brunch binge but Peeta’s father had stopped by with an assortment of pastries from the bakery and was on his way out again, talking to Rooba on the back porch, when I passed by en route to the kitchen.
So they’re young, she was saying. They’re hard workers with good heads on their shoulders, and they both went through the wringer at a young age. They know how to provide for a family and will do whatever it takes to put food on the table. They’ll do fine – better than fine, if we help them out a bit.
Janek Mellark’s response to this wasn’t clear – something about waiting – and Rooba replied in a strange, edged tone: Would you wait if Alys was willing?
I moved away before I could hear his reply, if indeed he made one, and enthusiastically engaged burly, cheerful Marek in a debate as to which of his offerings – stuffed French toast, chocolate chip pancakes, or Belgian waffles – would be the best to start off with, but there was a hot thudding in my ears and my eyes couldn’t seem to focus.
Alys, of course, was Katniss’s mother Alyssum – my mother’s best friend and confidante from childhood to the present – and I knew through my mother that Alys and Janek Mellark had been high school sweethearts on the very cusp of getting engaged when she unexpectedly broke up with him to get together with Jack Everdeen. Janek married Raisa Brognar – Rooba’s younger sister – on the rebound and everyone had gone on to produce their respective children and find varying degrees of contentment in their lives, but by all accounts, the Mellarks had rarely if ever been happy together, and of course, Katniss’s father died six years ago, leaving Alys bereft and in a stupor of grief, not unlike my own mother when her twin sister died at sixteen.
According to my mother, Alys Everdeen and Janek Mellark had carefully avoided each other since their breakup in high school, but when Peeta and Katniss began dating, they were thrown together to a certain extent and forced to interact socially. Further, in an unguarded moment that winter, Janek had admitted to Alys that he was still in love with her – feelings, Alys confessed to my mother afterward, that she was troubled to find she returned.
Of course, I discussed this with no one but my mother, though many a time I’d ached to confide in Jude, since we were similarly on the fringes of this relationship – not directly involved but connected through our mothers and their own relationships with the couple in question.
Something about Rooba’s remark that morning after prom implied that things were changing or had done, maybe irrevocably, and when I asked my mother about it that afternoon she gave a long sigh and kissed my forehead as though I were still a little girl. Do you really want to know, petal? she wondered. It might be easier to be ignorant till it all comes out.
Of course, I wouldn’t be me if I hadn’t wanted to know, and that’s how I learned what happened after the newly engaged Peeta and Katniss left for prom. About the argument that ensued when Alys furiously confronted Janek about his son’s proposal – and what happened after the argument.
I suppose it shouldn’t have come as that great a shock, but when you hear about a classmate’s parents getting divorced, you don’t think about his father sleeping with another classmate’s mother – or getting her pregnant. But it was some months before all of that came out, months when I could almost forget the secret burning in the back of my mind as the perfect year wound down to its inevitable, poignant end.
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mnranger5 · 4 years
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“Falling” in the NorthEast, Boston, MA, Portland, ME, Boothbay, ME, Whitefield, NH,  9/27/19 – 10/1/19
More than once on this trip, we heard people say they “SUMMER” in the Boothbay, Kennebunkport and in the rolling mountains of New Hampshire and Vermont.  One older gentleman, with a sweater draped over his back, sleeves tied around his chest, explained it on our evening ocean sail, as “Summering, as a verb.”  Well, we here in the Midwest have our own term - it’s called “VACATIONING.”  And since it is no longer summer, this trip is VACATIONING IN THE FALL.  But, in the spirit of rebranding words to sound like an East Coast Hoity Toity, this blog is all about Dyan and I FALLING across the northeastern United States.  
One of our bucket list trips was an east coast roadtrip which included indulging in an obscene amount of lobster and taking in the brilliant fall foliage in the White Mountain National Forrest.  So, for Dyan’s birthday, I booked this trip for her.  This turned out to be a wonderful getaway as we wandered around the NE with no real agenda.  Having no plans really allowed us to get creative with the journey and we ended up stumbling on some very interesting locations and activities.  And the people watching on this trip was priceless.  Surely worth more laughs than the best SNL skit.
9/27/19
Like all our trips, we were up early.  Our 6:50 flight took off just after sunrise and we surfed the clouds at 35,000 feet all the way to Boston.  A quick little 2-hour flight of smooth sailing is my kind of travel!
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We Uber’ed over to the Courtyard Marriott hotel in downtown Boston.  This hotel is directly across the street from the TD Boston Garden, the venue for the concert we’d be attending later that night.  With the room not being ready yet, Dyan and I ventured out into downtown, in search of a lunch-time lobster roll.  We settled on Luke’s Lobster.  We ate at Luke’s on our first visit to Boston, and we both recalled it being delicious.  We ordered the lobster rolls, drizzled in warm butter and a side of clam chowder. The lobster rolls were fabulous, albeit pricey.  At $25 for a hot dog sized sandwich, it’ll leave you wanting two more.
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After lunch, we walked around a bit more seeing some of the Freedom Trail sites.  We walked the entire Freedom Trail on our first visit in August of 2016, so this time we hit one main exhibit that had been closed for restoration.  Old Ironsides, also known as, the U.S.S. Constitution.  We toured the ship for nearly an hour.  An absolute highlight for me that I had been hoping I’d get to see since our trip in 2016.
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For dinner, we chose Bell in the Hand Tavern, American’s oldest tavern.  This storied establishment has been around since 1795. Obviously, it’s been renovated, but the bones and stonework of the building are original.  Of course, their specialty is cold drinks and seafood. Yes please.  We got the best seat in the house, the table at the point of the restaurant.
Obviously, we ordered oysters and lobster rolls and beer.  While we ate absolutely everything on our plates, they were probably our least favorite lobster rolls of the trip, and most expensive at $28/roll.  The lobster was a bit dry, the buns weren’t griddled and the shredded lettuce under the lobster was wilted.  Complaining about having to eat lobster…first world problems.
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After dinner, we walked a couple of blocks over to an establishment where everybody knows your name. And they’re always glad you came!
Yep, the original Cheers! bar.  It was here Dyan fell for unfiltered, “chunky” cider beer called DownEast Cider.
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From there, it was over to the Boston Garden, home of the Boston Celtics and Bruins.  A storied facility, like its well-known brother down the street called Fenway Park.  But tonight, was not about Larry Bird’s basketball team or Bobby Orr’s hockey team. Tonight, was a different kind of birthday gift for Dyan.  Tickets to The Chainsmokers & 5 Seconds of Summer (5SOS) concert!  We had great seats too, sitting low on the side just off stage left.  Opening act, Lennon Stella, was underwhelming, as she played to about 5,000 fans that were in the process of filtering into the area.  Her set felt very small on the massive stage and worse, all her songs sounded the same.
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The second band of the night were the Ausie Punk Rockers, 5SOS.  These guys were full of energy from the moment they hit the stage.  Easily could be headliners of their own show, they rolled out all their hits including their hard rock version of Easier, one of my favorite songs.  They did a sweet cover of Blink 182’s What’s My Name and closed their set down with an amazing rendition of Youngbloods.  5SOS was amazing, and we agreed we’d both go see them again.
The headliner was the DJ duo, The Chainsmokers.  This is one of our favorites.  While we aren’t part of the stereotypical rave or EDM crowd, we do love a good Chainsmokers remix on then Sonos while we’re cooking dinner for the kiddos! Anyway, the show was more like a spectacle.  There were more laser lights, smoke, pyrotechnics, flaming drumsticks, motorbikes, giant suspended metal globes (which the bikes rode in), and great music than any show I have ever been to.  The show was probably the best show either of us have ever been to.  They opened the set with Takeaway (with Lennon Stella) before hitting just about every hit they’ve ever made, like Paris, Something Just Like This, Don’t Let Me Down, Call You Mine, This Feeling, Who Do You Love (with 5SOS) before closing with Closer.  From 5SOS to The Chainsmokers, Dyan and I never sat in our seats. Boston got to see all my best dance moves!  It was an incredible concert.
9/28/19
By 8AM, we were checked out of the hotel, and Uber’ed back to the airport to pick up our rental car. We rented from Alamo.  Just our luck… Alamo had the ONLY line in the entire rental car reservation area.  We waited in line for about 30 minutes before reaching the counter.  Obviously, I rented as cool of car as I could get my hands on.  Afterall, this was going to be a roadtrip and we needed to drive in style!  So I selected the Mustang convertible class several months earlier.  When it was our turn to approach the counter, the attendant asked me the car class I was looking for.  I told her we reserved the standard convertible.  She shot me the most dead serious look and told me the last couple at the counter had just upgraded to the last convertible.  My jaw dropped as I searched for words.  Then she flashed her pearly whites at me and said, “Just Kidding!”
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Within minutes, we were headed out to the garage.  Sitting right up front were two gorgeous Mustang convertibles.  One was bright red car under the “Standard Convertible” sign, and the other was silver under the “Premium Convertible” sign.  The silver was the 5.0L Mustang GT.  The lot attendant was a 16 year old gal who likely had no idea the difference in the cars.  She lead us over to the red car.  I asked if we could take the silver car.  She shrugged her shoulders.  We picked the silver GT and got out of the garage before anybody knew any better.
Our road trip had officially begun!  First stop, Salem, MA.  Salem is a cute little town that 100% plays to tourists coming to learn about the town’s history.  Specifically, Witches and the Salem Witch Trials of 1692 – one of the most tragic events of early American History.  
There were dozens of historical sites to see in a one-mile radius stretching from downtown Salem to the waterfront.  We only had time to hit a couple of sites, so the first site we visited is the Witch House, widely considered ground zero in Salem’s eerie history.  In 1692, the home was owned by Jonathon Corwin, a wealthy merchant and politician.  He was also the magistrate and judge in Salem who presided over the Salem Witch Trials. In short, Corwin oversaw the imprisonment of 150 people (witches, thought to be practicing witchcraft) and the death of 19 (18 of which were hung, and one pressed to death.  Our second stop of the day was at The Salem Witch Trial Memorial, just blocks from Corwin’s residence.  Each of the 19 killed in 1692 have their own granite slab indicating their demise.
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Our reaction to Salem was mixed.  Interesting, yes.  Creepy, yes. Sad, yes.  It is too bad all those people had to die because a couple of kids were acting out (acting like kids when they don’t get iPad time) and their parents thought somebody was casting a spell on them.  Time for people to die.  Sheash! Obviously, the story is tragic and cruel, but the entire town plays to the story. Virtually every shop in the historic area has to do with spooky costumes, Halloween decor, dark presences and witches.  It really is a bizarre place to visit with a creepy vibe.  Doubtful we’d ever go back.
Next stop on the roadtrip was Kennebunkport.  This little gem of a coastal town is quaint, yet insanely overcrowded with tourist milling around.  The two hotspots, The Clam Shack and Arundel Wharf Seafood had very long lines, so we settled on Alisson’s Restaurant because it had immediate seating.  Talk about a sleeper!    This place gets none of the seafood hype but delivers up some fantastic lobster rolls! Dyan got the regular lobster roll, while I ordered the lobster roll trio “sliders.”  Finally a lobster meal that was filling!
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Back on the road!  By 3PM, we reached Portland.  Our hotel, the Westin Harborview, sits beautiful perched up on the hill overlooking the Fore River dumping into the Atlantic Ocean.  While waiting for our room, we had a couple of drinks at Top of the East, the rooftop hotel bar.
Later that evening, we walked from the hotel to the waterfront as we evaluated all the seafood restaurants.  Obviously, we were having lobster again, but there was a lot of restaurants to choose from. The Fisherman’s Wharf had at least a dozen piers, all of which appeared to be working docks.  They all had shops, businesses, seafood markets and a few restaurants.  So many signs stating “Best Lobster Roll”, “Freshest Lobster”, “Most Lobster”, “Affordable Lobster”.  How do you choose?  We were drowning in choices.  We took a walk down Portland Pier seeing neon lights at the very end.  Must be another lobster joint…  As we got closer, the establishment’s sign came into view.  It wasn’t just any lobster joint.  Nope, this was Luke’s Lobster’s flagship location – a brand new facility that just opened in June of this year. Winner-winner-lobster-dinner!    Dyan and I got seated waterfront on the patio. We had an amazing view of the sunset at low tide.
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9/29/19
It was another gorgeous autumn morning.  After a delicious breakfast at the Westin, we headed north.  With the heater blasting, and Dyan covered in our jackets, we cruised with the top down through the Maine Points.  
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One of our stops was at Bath, ME.  Prior to the trip, dad gave me a tip that this is the location of Bath Iron Works (BIW), the defense contractor that builds the United States elite warships. While we really couldn’t get close to the ship, we did have a couple vantage points of the USS Daniel Inouye (DDG-118), and Arleigh Burke-class destroyer.  This destroyer is widely considered the world’s most advanced surface warship.
As we crossed the Kennebec River, we got a different view of BIW, and saw a different ship currently being fitted.  It was the USS Lyndon B Johnson (DDG-1002).  The Lyndon B will be the third and final Zumwalt-class destroyer. With out of controls costs, and 29 canceled orders, the total project costs were spread over the three ships at a staggering price of 7.5 billion dollars per ship.  Yikes!
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On our way to Boothbay, we made a wrong turn and ended up at Knickerbocker Park, a small island on the Black River.  
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What a hidden gem this little park is.  We used this pit stop to walk a bit in the sun, and warm up!  
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We arrived in Boothbay around 11:00, and proceeded to shop around the small town for about an hour. Dyan picked up a new wooden lobster marker for the family room picture shelf and also booked us a three hour afternoon sail to the nearby lighthouses on the Atlantic Ocean coastline.  
But first, lobster. We needed some in our bellies.  We had it narrowed down to two options.  McSeagulls or Mine Oyster.  Both on the water, both with seafood on the menu.  However, McSeagulls had this great cover band on their patio belting out some 80’s hits.  This was my kinda place.  Mine Oyster on the other hand seemed to be known for their oyster menu – not my thing. I remained silent, hoping Dyan would succumb to the great tunes bellowing from the bar.  Dyan chose Mine Oyster.  Of course, she did.  But this is her birthday extravaganza afterall, so whatever makes mama happy makes me happy!  We were promptly seated at the patio overlooking the Boothbay Harbor.  Full disclosure, other than for breakfast, we had lobster for every single meal thus far.  We kind of wanted to try some other fresh caught seafoods.  First up, Dyan got a small order of Oysters Rockafeller (sambuca flambéed spinach, garlic, shallots, bacon, cream and Swiss cheese) – the same style of oysters her and dad fell in love with while we were in Florida Keys for Alissa’s wedding.  I tried one, but it just reaffirmed that oysters are not my thing!  Dyan on the other hand was in Heaven.  We also got an order of fresh Maine squid, fried up into delicious calamari.
But oysters and calamri weren’t very filling.  The waiter told us that if we ordered the woodfired lobster dinner, he would personally guarantee that we’d never have better lobster in our life.  EVER.  That’s a hell of a guarantee.  Obviously, there was no saying “NO” to that claim.  And so, we had lobster for lunch, again.
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It was served, pre-split for us.  The shells and edge of the lobster were a bit blacked from the wood fire.  But the meat glistened with a garlic/lemon butter.  It was obvious this place knew how to prepare lobster, and from bite #1, they made good on their guarantee.  We had had some great lobster on this trip, but the smokiness of the woodfire put this lobster in an entirely different category.  There literally was no comparison to this lobster. The meat literally fell out of the shell and into your stomach…not sure if I ever chewed.  Dyan and I spent 30 minutes peeling every tiny shred of meat out of every tentacle, tail orifice and claw.  This was one of the best meals I have ever had in my life.  And the fingerling potatoes served with it would have stolen the show on any other entrée except this one.  They were roasted perfectly in a butter glaze. Crispy skin and soft creamy middle. This restaurant  This meal could easily be the ONLY reason necessary to visit Boothbay.  Just wow. We sat on the patio for two hours drinking cold beers and watching lobster boats coming and going from the harbor.
Next up, was our sail boat ride on the Schooner Eastwind.  A perfectly relaxing sail for Dyan, but a working sail for me.  Within 5 minutes of boarding, we broke dock and were out into the harbor.  The captain and 1st officer needed assistance raising the sails.  
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Obviously, I volunteered.  Me and another guy hoisted the main sail to full mast. Immediately, the wind caught the sail and we were heading south out to the ocean.  The trip took us past Burnt Island Lighthouse and Cuckolds Lighthouse. 
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While no whales were spotted, some on the boat claimed to see multiple porpoises.  We did see a seal swimming through our wake which was pretty cool. It was a perfect day for sailing – bluebird skies, temps in the 60’s with some decent wind.  At the midpoint of our sail, we passed Cape Island, better known as Witch Island.  This island was owned by Margret Hamilton, better known as the Wicked Witch of the East from Wizard of Oz.  Apparently, she was a lovely woman and was known in the area for the being such a kind and sweet natured person!
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After our sail, we headed out to Spruce Point Inn, our resort for the night.  Our cabin had a front row seat to a gorgeous Boothbay/Atlantic Ocean sunset.
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We had a very comical end to the night that Dyan and I just could not stop laughing about.  It was 8PM and we were famished.  We took the shuttle back into Boothbay for dinner.  There was a quaint Italian restaurant, The Ports of Italy, that seemed to be the local favorite.  We didn’t have reservations, so it was a bit of a wait. Great people watching, however. Like, better than the state fair or airport.  Lots of old money and tourists made for an entertaining dinner.  Because this restaurant is quite small, the tables are virtually on top of each other.  After being seated, a younger couple was sat directly next to us.  They kept looking over at Dyan and I, clearly judging what we were eating.  I had this GIGANTIC plate of spaghetti in front of me and Dyan an equally large portion of lobster ravioli.  We chowed like nobody’s business.  We even ordered a second basket of bread just so we could mop up the sauce left on our dishes.  Meanwhile, the other couple was eating dainty salads with their glasses of vino.  They obviously could not believe how much food we had consumed.  They didn’t disguise their non-verbals very well.  Then we ordered dessert…not one, but two!  Cheesecake and lemon cake.  Obviously, those plates didn’t last long.  And the looks from our neighbors just kept on coming.  I could have eaten another basket of bread, but I refrained.  
After dinner, we walked around town.  Most of the shops were closed.  It was cold, as temps had dropped into the 40’s.  Neither of us had brought our jackets.  There was a shop that was open a couple blocks ahead of us with people streaming in and out of.  It was an ice cream parlor, and our hope was that they’d have some hot coffee.  We walked in, stood in the long line and glanced at the menu.  No coffee. We turned around and guess who was right behind us in line.  Yep, the couple from the Italian restaurant.  They must’ve really fallen off their rockers when they saw us in line – probably thought we were ordering our second desserts.  What a riot!
9/30/19
As beautiful of a resort as Spruce Point Inn is, we didn’t stick around long in the morning.  We were headed for the hills of New Hampshire by 9AM.  We stopped for a quick breakfast-on-the-road at Dunkin Donuts which brings me to a rant about the Northeast.  I am a pop drinker.  At several locations in the NE (including this Dunkin), we stopped to get pop – Dr. pepper for Dyan and Diet Pepsi for me.  Everytime we cracked a 20oz. bottle, there was no “PSSSSST”.  The pop was perfectly flat - no fizz, no bubbles, absolutely void of any carbonation.  It was like this nearly everywhere.  
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By the end of the trip, the common denominator for the carbonation-less soda was bottles with this symbol on the cap.  Bizarre and disappointing because we probably wasted at least $10 on bad pop before figuring out not to buy pop with that cap.
The drive into New Hampshire was stunning.  We drove winding mountain roads as we climbed in elevation.  The fall foliage went from early signs of fall to full blown peak colors in a matter of an hour.  Brilliant reds and oranges cascaded down the mountains.  These are the colors that people rave about on NE fall road trips!
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With the top down, we cruised along New Hampshire backroads that aren’t even recognized by the GPS. Around noon, we arrived at our stately resort, Mountain View Grand Resort, perched high on a hill in the White Mountains.  
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The resort, built in 1865, is a massive, sprawling compound complete with a golf course, farm (with animals), mountain trails, pools, tennis courts and axe throwing. The place is magnificent. 
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We were too early to check in, so we had a great lunch in the restaurant before heading outdoors to rent mountain bikes.  Yep, we were about to go mountain biking dressed in our Sunday-best.  And for the record, we aren’t bikers.  Renting bikes had as much paperwork as buying a new car. The Activities Manager, Mike, asked us our skill level, which prompted a response like “This is our first bike ride in 30 years.”  He laughed. He was planning to send us on Trail 1. He assured us it would be easy. He built up how much fun we’d have. “It’s a nice scenic view of the White Mountains.” We were sold!  His parting words were, “Stay right on the Old Farm Road (OFR) until you see a sign for Trail 1, then take a left.”  
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Great! We were off.  OFR is a significantly long downhill  dirt road out the backside of the resort.  Within moments, Dyan and I were going WAY too fast on the loose gravel.
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At this point in the story, I should mention that OFR has no clear signage.  There are several forks in the road to other dirt roads.  I recalled Mike saying “stay right”, so I called out to Dyan to take the right fork.  It led us into the resort maintenance area…a dead end.  We retraced our path uphill to the fork, walking the bikes up the steep road.  This was the first moment I regretted jeans and a sweater.
We headed back down OFR approaching another fork.  This time Dyan called out the right fork.  The road meandered into the woods and abruptly dead ended after a quarter of a mile.  Ugh, backtrack again.  This was annoying.
As Dyan walked her bike uphill, I rode my bike hard in a standing position, to get more power. SNAP!  My pedal flew out from under me as my foot slipped off causing me to nearly lose my balance.  The chain had popped off.  
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Frustrating. I spent a few minutes getting the chain connected again, leaving my hands black with oil and nowhere to clean them off. After backtracking, we continued down OFR looking for Trail 1.  We came across a an unmarked trail.  Feeling like we had gone WAY TOO FAR on OFR, we decided to take it.  It turned out to be Trail 3, and Intermediate blue rout full of up/downs and rocks to dodge.  We obviously had gone the wrong way, but whow would we have known since the trails were not clearly marked.
As we huffed and puffed on Trail 3, we approached a fork in the road.  To the right was Trail 5, but straight was unmarked.  The unmarked trail turned out to be Trail 4, the most difficult trail on the mountain.  It was So steep, there were points we had to stop and walk our bikes.  My chain continued popping off, and Dyan’s bike wouldn’t shift into higher gears.  She was stuck doing uphills in very low gear settings – which made the challenging ride virtually impossible!
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Trail 4 was the most challenging because it was super steep.  I swore under my breath a few times at the long meander downhill that OFR tool us on.  This was the payback.  An intense uphill with seemingly no end in sight.  After 30 minutes on Trail 4, we arrived at a junction with a sign that said, Trail 1!  Finally. Trail 1 gave us a nice easy ride out to the paved Mountain View Road where we could enjoy some of the beautiful scenery without having to worry what was over the next hill!  By this time however, Dyan was beat from her gear shifter not working, and I was a filthy mess from fixing my chain a half dozen times. When returning the bikes, Mike made a comment about how greasy my hand were.  I told him of our chain and gear shifting problems which caused him to react oddly.  He actually blamed the problems on us stating that while Dyan’s bike was gear shifting hard, it must have been user error because “it worked for him.”  He went on to tell me that I was obviously riding the bike wrong if the chain kept coming off.  He was quite defensive, so Dyan and I headed to the front desk to check in to the room – we had lots of plans this evening!
First up, we had a wine tasting in the 1865 Wine Cellar.  I can’t tell you the kinds of wine we tasted, but they were pretty tasty.  They also served cheese, crackers and fruit, which was a nice little snack before dinner.
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And speaking of dinner, we had reservations at Stickney’s Steak and Chop Pub, in the iconic Omni Resort at Mt. Washington – a quick 15 minute drive from our resort.  This place is supposed to be a world-class steakhouse, but it ended up being anything but that.
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We aren’t wine drinkers, but thought we might try it with our steak dinners.  We asked the waiter for a sweeter red wine.  Dyan and I chose differently based on his recommendations. Neither ended up being sweet at all. Mine tasted like jet fuel, and Dyan’s was like a glass of red vinegar (although, she didn’t complain about hers).  After one sip, I ordered a Diet Pepsi.  
For starters, we selected the crisp fried mozzarella, which was a giant brick of mozzarella with little fried coating.  We also both got the filet mignon.  I don’t know how you mess up a filet, but they surely did.  No seasoning not cooked very well and just overall a tough piece of meat.  That would be the worst $150 we spent on the trip.  Dinner was a bust, but at least we got a good laugh!
10/1/19
I had expected today to be a boring drive on the interstate back to Boston to catch a flight home. However, the drive turned out to have some really fun impromptu stops which ended up being highlights of the trip.
Being that we were only 10 minutes away from the Bernie Sanders territory, we decided to make the trip west to the N.H./Vermont border town of Lancaster for breakfast.  Then, we crossed the state line into Vermont and made our way down highways through the sleepy towns along the Connecticut River. Just outside of Lunenburg, VT, we crossed the Mount Orne Covered Bridge.  This was our first covered bridge of the trip!
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We continued south winding along the river and valleys, taking in the vibrant red and orange foliage that canvassed the mountains.  It was the most beautiful fall colors we had seen the entire trip.
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We joined up with I-93 in St. Johnsbury and headed southeast toward Boston.  
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It didn’t take long for us to start gaining elevation as we made out way out of Franconia and up Cannon Mountain.
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Just past the very intense black diamonds of the ski area were signs for Flume Gorge.  I recall seeing the first sign for the area and turning to Dyan and saying something like, “That sounds like a cool place!” Dyan looked at me and said, “I was thinking the same thing!”  Neither of us knew what a Flume Gorge was, but we took the next exit, because we were now on an adventure to find out.  The Flume Gorge could have been a trail, an amusement park ride, a historical site, a logging mill or maybe even a hotel or restaurant.  We didn’t even know where it was.  It could have been an hour away or maybe longer?  Just off the interstate we got our first idea what and where the Flume Gorge was.  On the exit ramp was a state park sign for Flume Gorge telling indicating it was less than a mile away.  Sweet!
The parking lot was in the middle of the mountainous forest, and it was packed with cars.  Hikers were milling around in their big boots, rain gear and cold weather clothes.  Dyan and I looked like we were dressed for a summer day on the water.  Shorts and flip flops.  The cold damp weather was not going to stop us from doing or seeing whatever this Flume gorge thing is…
We approached the visitor’s center where mountaineers stood in line for tickets.  When it was our turn, we asked, “What are we standing in line to buy tickets for?”  The ranger pulled out a map with hiking trails leading to Flume Gorge.  It was deep ravine with rushing water running through it creating multiple cascading waterfalls.  It was a 2-3 hour round trip hike, but if we used the shuttle, to the base of the gorge, it was a 1.5 hour hike.  The ranger told us it would be wet, slick and muddy.  I looked down at my flip flops, and Dyan’s cute canvas shoes. Our eyes met, smiling, knowing there was no chance we were leaving that place without experiencing the Flume Gorge. We bought tickets.
Because we were pressed a bit for time (we did have a flight out of Boston in 6 hours, and were still a solid 2 hour drive from the airport), we opted to take a shuttle to the base of the gorge.  The shuttle ride is super cool because it took us across the Flume Covered Bridge – the most photographed covered bridge in all of New Hampshire.  
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After a .5 mile hike up a steep trail, we reached our entrance to the gorge (which is actually the exit because it’s where the water flows out of the gorge).  The granite walls shoot straight up in the air nearly 100 feet.  The pathway through the gorge is a narrow platform that has been constructed to walk above water level.  The water flows through the gorge, which is never more than 20 feet wide. If you have claustrophobia, this is NOT the place for you.  The walkway raises alongside the gorge wall as it zig zags across the water giving visitors the best views of the waterfalls.
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It took about 45 minutes to make our way through the 800-foot long gorge.  And by the end, we were way up on top of the gorge, where the creek dumps in.   This was one of the coolest stops on our trip.
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By noon, we made it to the Mustang and were about to get back on the interstate, but first needed some fuel.  We were in the run down resort town of Lincoln, NH when we stopped at Irving Oil. A Gas Station that will certainly leave an impression on you.  This is ground zero to the Betty and Barney Hill alien abduction.  The gas station is full of newspaper articles, pictures and documents explaining the events that had taken place.  Complete with alien blow up dolls and visitor t-shirts this gas station was an experience that caters to the tourists.
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The remainder of our drive into Boston was not nearly as eventful.  We actually arrived a few hours early, so we sat at Constitution Beach Park and watched jets land over Belle Isle Inlet.  
Around 6PM, we were wheels up en route to Minneapolis.  There were some pretty good lines of storms over the NorthEast and upper Midwest, so our flight path diverted us way north over Sault Saint Marie in Canada before finally bringing us home.  The flight was over 4 hours, which was nearly double our flight time to Boston.
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This trip solidified Boston as our favorite Big City to visit.  
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clarencevancleave · 5 years
Text
Meet the Real Estate Tech Founder: Brian Davis from Spark Rental
In our latest real estate tech entrepreneur interview, we’re speaking with Brian Davis from Spark Rental.
Who are you, and what do you do?
My name is G. Brian Davis, I’m a landlord and co-founder of Spark Rental.
Our mission is to help everyday people reach financial independence and retire early with real estate. If that sounds specific, it actually covers a wide range of disciplines. We teach people how to invest in rental properties, of course. Our blog and free videos cover topics like how to buy property with minimal money down, financing options for rental properties, some of the best cities for rental investing based on a range of data, and so on.
Because rentals are long-term investments, they need to be managed. So we focus heavily on property management education, and we offer free landlord software to help mom-and-pop landlords manage their rentals.
But there’s also the personal finance side of the equation – to reach financial independence at a young age, you need a high savings rate. The more of your income that you save, the faster you build wealth and passive income. So we get into budgeting, tricks like house hacking, how to handle health insurance if you retire early, and dozens of other lessons. We even cover how stock investing and where stocks fit into your financial independence plan.
What problem does your product/service solve?
Our business solves two problems. First, we want our audience to understand that they have complete control over their finances and retirement horizon. You can design and live your perfect life, but it usually involves short-term sacrifices to create your perfect life long-term.
Want to retire in five years? You can do it, but it requires radical lifestyle changes and aggressive investing. Most people simply spend almost everything they earn, and then complain that they don’t earn enough to invest. Few people acknowledge that their current budget represents a choice, even if one made thoughtlessly.
Second, we help landlords and smaller property management companies automate their rental management. Our online landlord software lets you syndicate your rental listings to platforms like Zillow and Trulia, collect rental applications, run tenant screening reports with one click, create lease agreements, collect rent online, and track income and expenses.
What are you most excited about right now?
What I’m most excited about right now is a new co-investing program we’re preparing to launch. We’re going to help new investors earn while they learn, by partnering with us on rental property deals. They become true partners with an ownership share, and get access to see behind the scenes of finding deals, renovating properties, screening tenants, and so forth.
It’s a bit tricky, as we have to tread carefully to avoid the label of real estate syndication by the SEC. Even trickier is making the numbers work, as there’s a lot of labor involved on our part and little direct compensation for that labor. But education is a priority for us, and we’re determined to give everyone, not just accredited investors, access to directly partner on rental deals for as little as a few hundred dollars.
What’s next for you?
Deni and I have several large projects on our plate in the coming year. We’re planning a major overhaul of our software, to vastly improve usability and reduce pricing even further if we can do so profitably. We’re also constantly updating and expanding our FIRE from Real Estate course, designed to help middle-class earners reach financial independence and retire early (FIRE) with rentals.
Finally, we’re looking to scale and grow our team to keep expanding our business. My co-founder Deni Supplee and the rest of our team are stretched thin at the moment, so we’re gradually systematizing and scaling our business to grow without losing our vision. We’ve never been interested in the Silicon Valley model of gobbling up as much cash as possible. We want to maintain complete control of our business and serve our audience as best we can for many years to come.
What’s a cause you’re passionate about and why?
We’re a family business, and want to stay a family business. That’s actually something I’m quite passionate about: supporting other family businesses. Whenever possible, we choose family businesses and small businesses as our partners. In my personal life, I shop at family businesses and avoid mega-corporations whenever possible.
Despite what the naysayers will tell you, I believe now is a better time than ever to launch and grow a small family business.
I’m also a huge believer in financial literacy. They don’t teach personal finance in schools, yet we’re all expected to manage our own budgets, investments, and retirement planning? And it only makes the problem worse that our culture has a taboo against talking about money. Most parents can’t or won’t teach their kids personal finance, so adults end up having to learn it on their own. Except of course most never do. It’s an enormous loss of potential in our economy.
Finally, I’m a travel fanatic. My wife Katie and I spend the majority of the year overseas and visit an average of ten countries a year. Katie’s an international school counselor, and as a digital entrepreneur, I simply rent an office in a local coworking space. Our home base for the last four years was Abu Dhabi, and we recently moved to Brasilia, the capital of Brazil.
Which is one way I practice what I preach – my wife and I live entirely on her modest salary, which is comparable to a teacher’s. We invest 100% of my income, and plan to be financially independent in the next four or five years. Yet we still live a relatively luxurious life because we house hack, live without a car, and pay very little in US income taxes. It all comes down to intentionally designing your perfect life!
Thanks to Brian for sharing his story. If you’d like to connect, find him on LinkedIn here.
We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop me a line (drew @ geekestatelabs dot com).
The post Meet the Real Estate Tech Founder: Brian Davis from Spark Rental appeared first on GeekEstate Blog.
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cathrynstreich · 5 years
Text
Meet the Real Estate Tech Founder: Brian Davis from Spark Rental
In our latest real estate tech entrepreneur interview, we’re speaking with Brian Davis from Spark Rental.
Who are you, and what do you do?
My name is G. Brian Davis, I’m a landlord and co-founder of Spark Rental.
Our mission is to help everyday people reach financial independence and retire early with real estate. If that sounds specific, it actually covers a wide range of disciplines. We teach people how to invest in rental properties, of course. Our blog and free videos cover topics like how to buy property with minimal money down, financing options for rental properties, some of the best cities for rental investing based on a range of data, and so on.
Because rentals are long-term investments, they need to be managed. So we focus heavily on property management education, and we offer free landlord software to help mom-and-pop landlords manage their rentals.
But there’s also the personal finance side of the equation – to reach financial independence at a young age, you need a high savings rate. The more of your income that you save, the faster you build wealth and passive income. So we get into budgeting, tricks like house hacking, how to handle health insurance if you retire early, and dozens of other lessons. We even cover how stock investing and where stocks fit into your financial independence plan.
What problem does your product/service solve?
Our business solves two problems. First, we want our audience to understand that they have complete control over their finances and retirement horizon. You can design and live your perfect life, but it usually involves short-term sacrifices to create your perfect life long-term.
Want to retire in five years? You can do it, but it requires radical lifestyle changes and aggressive investing. Most people simply spend almost everything they earn, and then complain that they don’t earn enough to invest. Few people acknowledge that their current budget represents a choice, even if one made thoughtlessly.
Second, we help landlords and smaller property management companies automate their rental management. Our online landlord software lets you syndicate your rental listings to platforms like Zillow and Trulia, collect rental applications, run tenant screening reports with one click, create lease agreements, collect rent online, and track income and expenses.
What are you most excited about right now?
What I’m most excited about right now is a new co-investing program we’re preparing to launch. We’re going to help new investors earn while they learn, by partnering with us on rental property deals. They become true partners with an ownership share, and get access to see behind the scenes of finding deals, renovating properties, screening tenants, and so forth.
It’s a bit tricky, as we have to tread carefully to avoid the label of real estate syndication by the SEC. Even trickier is making the numbers work, as there’s a lot of labor involved on our part and little direct compensation for that labor. But education is a priority for us, and we’re determined to give everyone, not just accredited investors, access to directly partner on rental deals for as little as a few hundred dollars.
What’s next for you?
Deni and I have several large projects on our plate in the coming year. We’re planning a major overhaul of our software, to vastly improve usability and reduce pricing even further if we can do so profitably. We’re also constantly updating and expanding our FIRE from Real Estate course, designed to help middle-class earners reach financial independence and retire early (FIRE) with rentals.
Finally, we’re looking to scale and grow our team to keep expanding our business. My co-founder Deni Supplee and the rest of our team are stretched thin at the moment, so we’re gradually systematizing and scaling our business to grow without losing our vision. We’ve never been interested in the Silicon Valley model of gobbling up as much cash as possible. We want to maintain complete control of our business and serve our audience as best we can for many years to come.
What’s a cause you’re passionate about and why?
We’re a family business, and want to stay a family business. That’s actually something I’m quite passionate about: supporting other family businesses. Whenever possible, we choose family businesses and small businesses as our partners. In my personal life, I shop at family businesses and avoid mega-corporations whenever possible.
Despite what the naysayers will tell you, I believe now is a better time than ever to launch and grow a small family business.
I’m also a huge believer in financial literacy. They don’t teach personal finance in schools, yet we’re all expected to manage our own budgets, investments, and retirement planning? And it only makes the problem worse that our culture has a taboo against talking about money. Most parents can’t or won’t teach their kids personal finance, so adults end up having to learn it on their own. Except of course most never do. It’s an enormous loss of potential in our economy.
Finally, I’m a travel fanatic. My wife Katie and I spend the majority of the year overseas and visit an average of ten countries a year. Katie’s an international school counselor, and as a digital entrepreneur, I simply rent an office in a local coworking space. Our home base for the last four years was Abu Dhabi, and we recently moved to Brasilia, the capital of Brazil.
Which is one way I practice what I preach – my wife and I live entirely on her modest salary, which is comparable to a teacher’s. We invest 100% of my income, and plan to be financially independent in the next four or five years. Yet we still live a relatively luxurious life because we house hack, live without a car, and pay very little in US income taxes. It all comes down to intentionally designing your perfect life!
Thanks to Brian for sharing his story. If you’d like to connect, find him on LinkedIn here.
We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop me a line (drew @ geekestatelabs dot com).
The post Meet the Real Estate Tech Founder: Brian Davis from Spark Rental appeared first on GeekEstate Blog.
Meet the Real Estate Tech Founder: Brian Davis from Spark Rental published first on https://thegardenresidences.tumblr.com/
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0745hl · 5 years
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Residents share struggles of trying to return to Bay County after hurricane
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PANAMA CITY — Bay County may still be a storm-torn county, but to thousands displaced from the area, it is still home.
Three months after Hurricane Michael, many residents — stunted by financial troubles, legal issues, and lack of housing options — are still desperately struggling to return.
Here are four stories of families struggling to return home.
GRACE HALL
Grace Hall, a lifelong citizen of Panama City, was 36 weeks pregnant when Hurricane Michael swept the county on Oct. 10. When she began having slight contractions a week following the hurricane, Gulf Coast Medical Center recommended she travel to Tallahassee to give birth.
Hall has been unable to return to Panama City since due to lack of housing. Her former home, which she was renting, is no longer livable. Even in Tallahassee, Hall struggled to find someone willing to rent to her due to an eviction on her record placed after the hurricane, which she has been unable to fight because she can’t return.
Initially, Hall received some assistance from FEMA, which she planned to use to travel back home. However, she estimates about 90 percent of the funds have already been used up on hotels, food, and diapers for the new baby during her housing search, until she was finally accepted into a women’s home that had a space for her and her baby.
“The most challenging part of everything is leaving everyone I know after the storm,” Hall said.
Despite now living in a women’s home, Hall has a case of survivor’s guilt, knowing she is taking hot showers while loved ones at home are struggling without utilities and a shortage of food.
Still, Hall wishes to return to Panama City, which is her home and has been her entire life.
“It’s where all of my memories are,” she said. “I know every road like a Google Map in my brain. It’s home.”
Hall has also had to send her 14-year-old son to Texas. Though Hall’s partner was able to be there for the birth, he has since had to return to Panama City, as he cannot stay with her in the all women shelter. Following the return to Panama City, he slept in his truck for weeks before he was able to find space in his brother’s home.
Now with a 2-and-a-half-month-old, the hurricane has left her with no transportation, no income to find housing and no family.
SHERRY COTTERMAN
Sherry Cotterman was renting a home in the Callaway area with her three family members prior to Hurricane Michael.
“We did decide to stay for the storm, which is my biggest regret in all of this. We went to bed for the night on the ninth of October thinking that it wouldn’t be too bad,” she said.
Cotterman, a native of Florida, said her prior experience with hurricanes misled her into believing the family would be safe even as Hurricane Michael barreled toward the coast. On the morning the hurricane made landfall, four more family members and one coworker joined them to hunker down in the brick home.
As the second half of the storm tore though the town, the family’s kitchen window finally blew in. Cotterman’s children were placed in the bathroom, an interior room, until water began leaking through the light fixtures. Then, the ceiling in each room began caving in.
One of the adults in the house grabbed the kids and ran to the neighbor’s house, who let them stay inside until the winds finally died down. That night, the family slept in their cars.
Cotterman, her partner, and their children spent the next week living in a hotel in Destin, then hopped to a friend’s home in Panama City Beach for the next two weeks as they fervently searched for a new place to stay.
“We would drop our kids off every day to my sister’s and drive to real estate companies who were still open, and apartment complexes. All of them were either destroyed or had no openings or were so expensive,” she said. “Most of the places we looked at were asking upwards of $2,500 a month for a house smaller than what we were previously living in.”
After no luck finding a suitable place in Panama City, the family began a search in the surrounding areas. They were able to find housing immediately in Fort Walton Beach.
“I want to return to Panama City so bad,” Cotterman said. “Panama city is the only home I’ve ever known up until hurricane Michael. I wanted to raise my children in Panama City like I was.”
Though the family continues to search for a place in town, Cotterman says it looks more and more like they will have to stay in the Fort Walton Beach area for at least another year before they will be able to come home.
“The most challenging part of this ordeal has been completely starting our lives over in a place where we know no one. Sure, it may only be an hour and a half to two hours away, but we can’t go visit everyday,” she said. “We never thought any of this would have happened to us.”
Cotterman’s partner still works in town, where he drives two hours each way to work as a general manager of a restaurant. The rest of Cotterman’s extended family is still living in Panama City.
Even after donations were given to the family, plenty of small expenses have eaten away at the family’s funds after losing everything. The family was denied FEMA assistance due to having renters insurance, but when the insurance money finally came in, the family was shocked by how little they received.
“You don’t realize all the small things you have lost until one day you’re doing something as simple as trying to cook dinner and you realize you don’t have a measuring cup,” she said. “All of those little things have added up tremendously.”
ALISSA PELHAM
Panama City has been home to Alissa Pelham for 25 years.
Nine years ago, she moved into a rental in the Cove with her husband, Sean, near her family.
“The possibility of upheaving our lives to go anywhere else, is a tough pill to swallow. Our support system is here in Panama City and in the Panhandle,” Pelham said. “We are currently commuting from the west end of the beach and that is exhausting.”
In the early hours of Oct. 10, Alissa, Sean, and their 5 and 3-year-old girls, Hannah and Sophia, scrambled to the shelter at Rutherford High School for safety.
Alissa Pelham described the shelter conditions as deplorable, with people using buckets in the hallway as toilets when the bathrooms became unusable. However, she has no regrets about evacuating to the shelter because she is certain their vehicles would have been destroyed in the storm, had they stayed.
The family hurried back into the Cove as soon as they could, driving as close to their home as possible before dozens of fallen oak trees blocked their way.
“Our home was destroyed in the storm, but we were able to salvage most of our belongings and move them into three storage units,” she said. “Two in Niceville and one in Miramar.”
The winds of Hurricane Michael suctioned the roof off the home, allowing water to pour inside. After only three days, mold blanketed the interior walls of the rental.
The Pelhams were also spread far and wide, first staying in a Pensacola hotel for three days and then a bit closer to the city by moving into an Airbnb in Miramar Beach, graciously provided by Alissa’s company.
“I was able to work from the rental and we enrolled my oldest daughter in daycare through the holidays,” Alissa Pelham said. “We kept an eye on the rental market and even homes for sale in Panama City. We had considered buying a home before the storm, but now we are very weary.”
The family has finally been able to move into the west end of the beach, but are hoping for a more permanent solution soon, in part because the family has had to foster their two cats until they find suitable housing.
Soon, Alissa Pelham said, the family will likely move into her parent’s two bedroom, one bathroom home until something opens up. While the housing situation will be a tight squeeze, the family says renting a place at the rates they are finding, in addition to the cost of childcare, is simple unaffordable.
“We have no other choice. The thought of buying a home has really been taken off the table,” Pelham said. “No matter what, we know insurance rates will be going up and property taxes will also rise due to the debris cleanup bills in the city and county.”
Every day, Pelham fears when a future storm inevitably as strong as Hurricane Michael, and every night her daughter Hannah prays for the trees to regrow.
“Now that things have settled and we don’t have that adrenaline/survival mode to aid us, the hardest part is making decisions, both short term and long term,” she said. “Looking at the market now, we can’t find any rentals that are even slightly comparable in standards of living and price. Everything is over our budget, and we don’t foresee anything going down for a long time.”
LAURA JOHNSON
By the time Laura Johnson’s family realized they needed to evacuate, it was too late — with only an hour until landfall and less than a quarter tank of gas, they had no choice but to hunker down.
Johnson’s family lived in an apartment complex before the storm. Though her unit in particular was relatively unscathed, the rest of the complex sustained major damage, which forced all occupants to leave their units.
Formerly a resident of Lynn Haven, Johnson spent two weeks searching for housing to no avail before transferring to Dothan, AL.
Still struggling to find permanent housing, Johnson is about to give birth in as little as seven weeks.
“The biggest struggle has been medical,” she said. “The most challenging part of everything has been finding a place to stay and getting everything transferred over.”
Now the rising cost of housing, combined with the lack of housing, is keeping the Johnsons from their return.
Living in Dothan has forced Laura to job hunt simultaneously to make ends meet.
“Panama City is home. Our family is there, and I personally have dreams of my children growing up and experiencing the things I experienced when I grew up,” Johnson said. “We want to go home badly but it’s just not possible soon.”
The Johnsons have been impacted financially in a huge way. Because Johnson has been unable to work, the family has almost completely depleted their disaster assistance funds and is paying double the rent they were in Panama City.
“It has all just put us in a financial mess.”
Johnson hopes to refocus on returning home once their main concern is no longer on having a healthy birth.
“I understand that most people believe that Panama City is fine now, but it’s not,” she said. “Panama City and surrounding areas are still struggling to get their lives back together.”
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Drivers: How much do you pay car insurance?
Please state: Licence type Years driving Gender Age Engine size
How much is insurance for a teenager?
hey i wanna buy a car, and im about to get my license. i just wanna know what the average price is for my age. im turning 17, and i want a 2002 firehawk trans am..yes i know i shouldnt get it, i should get a honda civic lol. but ive saved up and i want it. i just want to know the average price. my mother has geico and im a guy. if you could give me a estimate for every month or every couple of months it will cost for a trans am also how much cheaper it will be if i got the cheaper car. much thanks!! i also live in new jersey if that helps.""
""Average car insurance for 17 year old in ON, Canada?""
I'm a 17 year old female, no problems with driving, and with drivers ed course completed and certified. I have good grades going from 70s-90's. I'm looking into getting the new 2012 Ford Fiesta once I get my G2. How much would I pay a year/month for car insurance? Thanks""
Homeowner's and Auto Insurance?
We've been with Allstate for home and auto insurance for over 30 years, and they have recently starting screwing with us about renewing out Homeowner's insurance. We're pretty sure they are nitpicking about things because they are not writing new policies for Californians, but are keeping existing customers for now. Anyway, I went to the Auto Club this morning and got quotes from them for Home and Auto Insurance and their prices are much better than Allstate's. What I want to know is anyone's experience with AAA insurance. Are they a good company to insure with, any problems, etc? Thank you for any information you can provide.""
What happens when you don't pay cancellation costs for car insurance?
Un-named popular car insurance provider added my 22-yr old son to my policy without my permission. Said it was done internally, couldn't take him off policy. So I canceled. I should say that before I called to cancel this policy, I started a new policy w/ a local company. Progressively, I received a bill for cancellation costs of $120.00. What happens if I don't pay?""
Can anyone recommend a good dental insurance company that offers orthodontic coverage? ?
I have to get braces for my daughter and would like to get a good dental plan for her so that I can get as much the cost for her braces covered as possible. I know that there are few good plans out there that cover any significant amount when it comes to braces, but there must be one or two out there that are the best for orthodontia services. HELP!!!""
Legal questions regarding my car insurance and getting my car painted?
My girlfriend recently put her car in the shop to get painted. Damage was done to the car and she had to put a $500 deductable to get the car painted and the insurance company paid $1500. she chose a shop to use and the check was made out to her and the shop was under her name on the check. The paint shop said she has to sign the check over for them to do the work. It has now been a month and they still have not completed any of the work. She keeps getting the run around with them. They are saying the have to bring the adjuster backout cause they found a dent they want to get fixed and then they found another dent. Basically we want the car out of there but how can we accomplish this and can we take legal action if needed, and what action can be done? Also on a side note we live in florida. As well she supposedly only has the check stub and no paperwork cause they never gave her any.""
I just got my license and have no insurance..?
no car yet but will soon have one...what do you recommend?what will be cheaper to get my own insurance or be put on my parents...
Car Rental Insurance?
I will be going to the US soon. I am a US citizen but do not live in the US. I will be going to visit family for a month and will be renting a car. My question is this, do I need to get the insurance from the vendor or is there a 3rd party insurance I can puchase? Most of the car rental places have LDW / CDW insurance for purchase but this almost doubles the cost of rental. My credit cards and car insurance here in my country of residence do not cover car rentals so I will have to get something. Does anybody know of a different route to take other than purchasing at the vendor?""
Does anyone know if Nationwide insurance will raise your rates if you have a red car/suv?
I'm looking for a new car and wanted to call them this morning but it's a little late now. Does anyone know if Nationwide insurance will raise your rates if you have a red car/suv?
What does Obamacare do to make my insurance more affordable ?
My rates have increased by 35% since it was passed...
""Used Car, How Much Insurance?""
How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?""
My car insurance quotes are ridiculously high?
Recently I have been considering starting to drive. I researched which cars were in insurance band 1 (the lowest, and ultimately the cheapest) and began searching for quotes online. I'm a 21 year old single male, with no children and no mortgage. I haven't had my license for very long and I live in an area with really high insurance premiums. I have been quoted a minimum of 9,000 for a car worth 400 (a '97 Citroen C5). How will I ever be able to afford to drive?""
What insurance companies should i be looking into?
I am 17 and I am getting my license next month...im not sure if my parent are gunna pay for me and I am not expecting them to....i have a 2001 grand cherokee limited v8 it is registered in my name I know gas is gunna be alot but i have a 8/hr job so ill pickup extra shifts since i dont have to walk miles anymore....what should i know when picking insurance, how can i get it for really cheap? in a couple days my school is giving me a drivers ed class and the also said itll give me a discount on insurance.what are good companies that like new drives?..please good responces!""
""I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
Will applying for medicaid affect the insurance I have now in any way?
I am 32 weeks pregnant and I am covered under my dad's insurance through Tricare. I remain eligible under his insurance until I am 23 and everything is full coverage. However, as soon as my baby is born he is not covered at all. I am looking into my options and I read that if I apply for medicaid now, then I can call the day my baby is born and just have him added on so that way he will have coverage right away. I am worried if I do try and apply for medicaid now that it will affect the insurance I am covered under now by Tricare. I do want to stay under tricare, I do not want to lose this insurance and its coverage if that is the case. I am also worried that since I have to wait until the baby is born to apply him for his own insurance through CHIP or Medicaid - whichever one he ends up qualifying - that I will have to wait a long time before he is actually covered and I know the baby is going to need check ups and a pediatrician right away. I am really worried about all this and wondering what is my best option and what I should do! Will I lose my insurance if I apply for Medicaid in advanced so my baby will be covered right away? Is my best option waiting until the day he is born and then applying? I also live in PA if that makes any difference. Anybody who can help out, thanks!""
Can car insurance charge you if you dont have a car?
state farm is charging my mom extra $$ because i got my license a few months ago (im currently 21) i got it late but they are charging her and i dont even have my own car. are they allowed to do that? how much would they increase it by?
""I was denied homeowners insurance by state farm, are there any companies that will insure me?""
I made 3 claims 12/18/09 amt. $302, 9/1/08 $0; and 5/10/08 amt.$1302. Allstate has said no as well.""
What happens if you get pulled over and get a ticket for no insurance?
OK so I just got pulled over this morning for not having any insurance and I had no idea I did not have it. For one the car is not mine its my boyfriends and for two his mom was the one that had insurance on it and dropped it without telling me, so I had no idea. I just went and got insurance on it like an hour after I got the ticket, so will the ticket be dismissed, if not what will happen and how much will this all cost?""
If i have no car do i have to pay insurance?
if i have my liscence but no car, but i drive my parents car do i still have to pay insurance""
Primary and Secondary Health Insurance?
This has been a big complication for a few months, but back in October of 2008, I had a physical exam and my provider billed, what I assumed at the time, my primary insurance company (Horizon NJ Health). However, two years later, Horizon took back that money and my provider has been billing me for that physical back in 2008. I called Horizon and apparently they took back the money because I had another health insurance, and Horizon was no longer my primary. I had not known about my other health insurance company, Aetna student health care, since they never gave me any information or membership details, and I was automatically enrolled for it when I entered my university. When I contacted Aetna, they told me that they weren't the primary insurance company because they were just student health care. After several phone calls back and forth between Aetna and Horizon... I STILL haven't figured out who my primary insurance company is since they both claim to be the secondary insurance (and they seem to have endless reasons why the other is primary). I contacted my provider and asked them who they have listed as my primary, and they seem to be clueless about it too (when I spoke to the receptionist and asked, they kinda changed the topic). Is it possible to have two secondary insurance? If not, who should be my primary insurance? If Horizon is my primary, doesn't that mean they shouldn't have taken the money back for the physical exam?""
If I bought car insurance in one state and then move to different state do I have to buy new insurance?
I bought insurance for the year in one state but just moved to a different state where I will have to register my car again and get a new license plate. If I already paid for the year, do I have to get new insurance? If I do have to get new insurance, can I get my money back because I didn't drive for the whole year while under my insurance company's policy?""
How much does your insurance go up for a speeding ticket?
I was going 48 in a 30. How much will my insurance go up and how many point will I get?
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.""
What is the age in Florida for males when car insurance gets cheaper and the prefered minimum age...?
for renting a car?
""What do I look for in a company to insure my quarter horse for loss of use, mortality and surgery?""
If one had an expensive barrel horses what would they look for in a company to insure them. ONly looking for protection on loss of use, death, theft and major surgery. Who are some of the better companies?""
Where can I find the cheapest auto and motorcycle insurance in Tennessee?
the absolute cheapest state minimum just to drive legal
Local Car Rental Brooklyn NY No license/insurance to practice?
Local Car Rental Brooklyn NY No license/insurance to practice driving I will have a licensed person in the passenger seat, but i need a car just for one hour, to practice my skills and prepare for the exam this is very simple, i need a car to practice driving, i have about 15hrs, need mroe any local car rentals in Brooklyn NY? I do not care so much for the cost, as much as just simplifying the process of renting a car for a measly hour. Thanks""
What's your monthly car payment? And Insurance?
I'm interested to see what people pay for their cars and car insurance compared to me. I'm a single 28 year old female living in a city. (RI) I pay $282 for a new Jetta lease and insurance is $157 per month. Just seeing if this is the average.... I'm also moving to NY suburbs and am considering changing my insurance, anyone know if I can do this if I own a home in RI still? RI has month to month sales tax, but has higher insurace premiums and NY wants sales tax up front, but NY suburbs insurance costs half as much as what I pay now. I wonder if its worth it to switch states???""
My car insurance company raised my bill because my zip code changed.?
But I thought that in California they passed a bill called prop 103 that says that changing zip code should not be a base to raise the bill... I talked to the insurance guy on the phone who said that prop 103 never passed,yet when I'm reading about it in the internet,it says it passed..Am I missing something? Can I file a complaint to the consumers'affairs and the BBB in order for them to drop back my rate to my previous zip code? It's only a few dollars but it ads up at the end of the year..""
Car insurance for adult first time driver?
Hi there! I am 29 and still don't have a car and car insurance of almost 4 yrs of living in states. I think my husband is scared of the cost since I have never driven before even in my country of origin since we don't really need cars there. I just want to ask how much does it cost for an insurance for first time adult driver, i mean any idea? thanks! I just want to take my child to the park or somewhere since we just stay almost all our time in our house.""
Can I use my mums Tesco Clubcard to get cheaper car insurance?
I'm looking to buy my first car and naturally insurance is expensive. It is usually just out of my price range but I discovered yesterday that if I use my mums clubcard to get a discount on Tesco's website it brings it down to an affordable level for me. However I was just wondering if I can use my mums clubcard to lower my insurance or is this not allowed?? I can't find anything that definitavely answers my question on Tesco's website.
The least expensive type of life insurance is _____.?
whole-life insurance term insurance endowment life insurance limited-payment life insurance
Getting a license in another state will they check to see if my car insurance has expired?
Im going to minnesota and getting a new state license.My insurance expired a couple weeks ago but i still have my documents that state its good till next year.Will they check it etc and find out that it expired?
Car insurance question?
how much is it for a 17 year old for a year of insurence if i have my own car? btw i have allstate and i will be on my parents plan
""I am 18 years old and have 6 points on my driving license, will my insurance cost go down after a year?
I currently aren't on any insurance policy!
What does Obamacare do to make my insurance more affordable ?
My rates have increased by 35% since it was passed...
""What does 100,000 300,000 coverage mean for auto insurance?""
Does that mean 100,000 per person injured? 300,000 max per accident?""
""Need Jaw Surgery, No insurance. Low Income, [Best] advice please.?""
I need Jaw Surgery, and have no insurance. I'm from low income. From online readings, I heard you can get it done at UCSF for free, but there is a waiting line?? not sure about that. If have to pay, I heard 5k-7k with insurance. I don't have insurance, and if I were to get it, I don't want to pay kaiser $150/month. What is your [best] advice?? Thanks a lot!""
What is the average insurance for motorcycles vs cars in the US?
I need an average insurance price for a cheap bike and the average insurance for a cheap car.
Car Insurance ?
How much do you think it would cost to put my daughter on my AAA (triple A) policy? She's 18 just got a 2001 Hyundai TIburan with 66,000 miles on it. If anyone could help out, thanks!""
What does no-fault auto insurance mean?
I live in California which, I think, is a no-fault state. What ramifications does that have if I'm in an accident? Does it matter, in any way, whether the accident is my fault or the other driver's fault? Thanks you.""
Do insurance companies raise premiums based on points or violations?
I have two tickets one for stop sign, and one for speeding. My question is which one should I turn in my traffic school certificate with to erase the point. I know they are both 1 point violations on my dmv record. Will it make a difference to my insurance rates? By the way I have USAA.""
Are you still suppose to pay car insurance when...?
Are u still supposed to pay car insurance after you have had an accident?? The car was a total loss..so I don't have it anymore and there is no other cars on my policy..am I still responsible for anything especially when my car paid for itself, the deductable, and then some....???""
Is it cheaper insurance for a classic car?
I am hoping to pass my driving test soon and I was wondering whether it would be cheaper insurance on a classic car. I would like a Rolls Silver Shadow, though this is probably too ambitious.""
Baby insurance?
what a cheap and reliable baby insurance? any advice? my sons a month old
Car insurance won't cover accident?
Ok, so I live here in phoenix arizona. I haven't had insurance on my car for a while up until Friday November 2, 2012 when I got paid from work. (Don't harass me for this it was a stupid decision. I live five minutes away from my work and that is all I do is work and home). Now, was heading into work and I thought I was parked. I was on private property, I was at Arrowhead Mall here in az. There are no camera's. etc. I thought I put my car in park when I had it in reverse and I started fiddling around for my purse in the passenger seat. I lifted my foot off the break and the car started rolling backwards and before I knew it I hit the other car that was parked. There was no one in the car and we swapped insurance information but because I had just gotten insurance that day it didn't process til November 3rd. So my insurance wouldn't cover the claim. Now I'm screwed and the guy is telling me that he is out of state and would like to get this fixed before he leaves. He was told that the claim has to be settled between us now. I want to make this right. It was my fault. But there was no police report. So, the guy is looking around for estimates on fixing his bumper. If I can't pay in the time frame he needs me too pay, what can I do? I don't think i can even get a loan because I don't know about my credit history and I'm not having family or friends help in this. I just don't know what actions I can even though I want to help him and make my mistake right.""
Which type of insurance is the best for a family insurance and Child insurance in India?
I want to know more detail about the insurance in India for Child and Family.
SAS resume for insurance companies?
i need to make a sas resume for insurance companiy.can anyone help with what to write in work experience describing experience in an insurance company setup.
Shall I buy Loss Damage Waiver (LDW) at car rental?
I have car insurance for my Honda compact car via Geico. I need to rent a car at an airport for a small vacation. When I rent the car from Hertz or Enterprise or Dollar, shall I buy the Loss Damage Waiver (LDW), which is about $10/day ? I already have insurance on my car and the insurance company said that my existing Geico coverage will be transferred to the rental car. So it really so? Just wanted peace in mind and I do not want to spend unnecessary price either. Could you please comment? Thanks a lot.""
Are Farmers Insurance rates competitive?
My friend has auto insurance with them and claims they raised his insurance rates 4 consecutive times (every 6 months). He has 3 cars with them and no accidents nor tickets during this period. Is this normal other insurance companies to be raising their rates during the last 2 years? I mean the economy sucks and they still raising rates? Is the insurance business a monopoly? Do they raise their rates all at the same time, same rates?""
Health Insurance for diabetics?
If i were to get health insurance and then marry my girlfrind (who at the moment is pregnant) do you think that she would be able to get on my insurance even though she has a pre-existing condition of type 1 diabetes? She can not get her own insurance because of it, only if her work provides and her work does not and the job market is still rocky. So what would we have to do to get her insured?""
Need insurance to cover pregnancy?
Does anyone know of insurance companies with coverage in Georgia that will cover a pregnancy without having to wait a year? I make too much money to get Medicaid so I really need some help. I can't exactly afford to pay out of pocket for every expense. Thank you.
Why is it that you pay all this money for car insurance?
Why is it that you pay all this money for car insurance and after an accident you still need to pay a deductible? Think about this; if you payed $200 a month for 5 yrs without an accident; that's $12,000; you would still need to pay a deductible to get your car fix and your premiums will go up. That's enough money to buy a new compact car. Just curious to see if anyone has the answer.""
Who cannot receive health insurance in NJ?
can a college summer event receive health insurance?
What's the cheapest car insurance rates?
I wanna know the absolute cheapest car insurance someone you know pays and what their life situation is. I'm just curious where I would have to be in life in order to get the cheapest ...show more
Cheap UK car insurance companies for 18 year olds?
Im 18 and paying 2600 a year for a 1.1 peugeot 206 with insure2drive found on confused.com. Ive been driving for 6 months with no ncb but i have my parents on my policy as 2nd and 3rd drivers. Does anyone know any cheap insurers or know anything i can do to get the price down?
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!""
What does your car insurance company do for you?
If you are not at fault in an accident, what will your insurance company do in order to get your car fixed? How much help will they give you, or are we supposed to settle everything, make the calls etc. with the other carriers insurance. I was hit from behind while I was stopped at a yield sign. The other drivers fault ( a no-brainer). Yet I am getting different information from my agent, the other drivers agent, and even the auto-repair shop !!! Any feedback will help greatly.""
How much would car insurance increase?
my mother is a single mom i live with her and she just lowered her car insurance for her owned mini van to 800$ a year for her amazing record. now i am 16 years old took a drivers ed course, won a AAA award for being a mature driver and signed up for a defenisve driving course. i am a straight A student and will be gradutaing next june. i am reciving a 1999 nissan maxima passed down to me from my father for my mom to regester it under her name. if she went to the insurance company and added that car under her name and added me as a part time driver for the maxima, how much would it cost???""
I have a financed car can I take my car out of circulation to stop paying insurance?
Ok, my car has been broken for like 5 or 6 months already. It hasn't been driven at all. Right now it has an expensive fix. I was waiting for my taxes to fix it but I had my identity stolen so I may not get my taxes until December, if even that soon. Anyways, long story short...it's an expensive fix, about $2000...which I don't have. I've been paying for both the car and the insurance every month with the car not even moving. I know I have to continue paying the car. I'm going to verify with my bank, but I'd prefer not to get them involved until I have some details. Is it possibly to take my car completely out of circulation by turning in the license plate and then stop paying insurance until I fix it? I assume theres no need to have insurance if the car doesn't have a tag so it can't be driven. I live in Florida, if that changes anything. Paying $280 for insurance and not driving the car makes me sick...its worse than paying the actual car and not driving it.""
Can i get Renters insurance if i am?
Can I get rentersinsurance if i am living in one of my uncles home?
What does Obamacare do to make my insurance more affordable ?
My rates have increased by 35% since it was passed...
https://www.linkedin.com/pulse/sr-22-insurance-how-much-does-i-cost-luther-clark"
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Will my auto insurance go up?
"Will my auto insurance go up?
I am a California San Diego resident. Four days ago, it was raining very heavily and I was driving a carpool lane on the freeway at about 60-65mph. All of a sudden my car hydroplaned and spinned 360 degrees about 3times and then it finally stopped when my car's rear crashed into the concrete median. FORTUNATELY, it was 4am and this accident did not involve anyone else. I had to leave the place like nothing had happened, because I was on my way to the airport. When I arrived at the airport I looked at my car's rear and the bumper and trunk was heavily damaged. Now, I am in a foreign country enjoying my vacation. My questions are following: (1) Will my insurance go up if I report this accident to my auto insurance? I have a full coverage. (2) Will I be in problem if I report this accident when it has been 4days? I really had no time until now because I had to fly and then settle a problem over here in Asia. Any thoughts/opinions are very welcome! Thank yoU!
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I Want Contact Lenses , Will My Insurance Pay For Them?""
Camaro 69 Car Insurance...?
Ah... I just wanted to know, or get a general idea of how much car insurance would a 16 year old male pay monthly for a 69' Chevy Camaro. I am looking to get a vehicle sometime this year and wanted to know...because if the insurance would be too high, guess I will not get one then... thank you... just need a general idea...car insurance... -Chevy Camaro, muscle car, american dream...-""
What is a good long-term health insurance policy for international stays?
I am planning to move to Germany in spring and require acceptable, long-term and affordable coverage. What is a good company and policy for me to look in to? I've seen several offers but only one I could afford because it had a deductible of 10k$. Is there better?""
Motorcycle insurance quote - Progressive?
I only need insurance on my bike for like a week and progressive only gives me the option to either pay the full 12 month cost ($255) up front now OR 2 payments a year which is $135 up front right now. Im not paying $135 when im only going to be riding it for a week...?
USAA insurance for motorcycles?
Does anyone know what motorcycle insurance through USAA would cost for a female beginner between the ages of 18-24? first bike (let's say a Buell Blast, if the type of motorcycle matters), never had any accidents or speeding tickets, and passed all the safety courses, etc. I'd look it up myself, but for some reason the website isn't letting me look at the motorcycle section right now. Thanks in advance.""
Supplemental health insurance provider?
Does anybody have supplemental health insurance? Do you know of a good provider? I have never heard of it, my Mom was telling me about it. I looked and I found some places that said quotes for supplemental health insurance. but when I filled out the info it seemed like it gave me a quote for regular health insurance plan not supplemental health insurance. My health insurance I have through work has a high deductible so i am always paying out of pocket for I have not met my deductible.""
Will my insurance go up if I putting a claim to replace my windshied on my car? How Much?
Will my insurance go up if I putting a claim to replace my windshied on my car? How Much?
Will my auto insurance go up?
I am a California San Diego resident. Four days ago, it was raining very heavily and I was driving a carpool lane on the freeway at about 60-65mph. All of a sudden my car hydroplaned and spinned 360 degrees about 3times and then it finally stopped when my car's rear crashed into the concrete median. FORTUNATELY, it was 4am and this accident did not involve anyone else. I had to leave the place like nothing had happened, because I was on my way to the airport. When I arrived at the airport I looked at my car's rear and the bumper and trunk was heavily damaged. Now, I am in a foreign country enjoying my vacation. My questions are following: (1) Will my insurance go up if I report this accident to my auto insurance? I have a full coverage. (2) Will I be in problem if I report this accident when it has been 4days? I really had no time until now because I had to fly and then settle a problem over here in Asia. Any thoughts/opinions are very welcome! Thank yoU!
What is a good health insurance company?
I don't make much $, but I would like to have health insurance at a reasonable cost. What say ye?""
What is full coverage auto insurance?
What counts as full coverage auto insurance in California? Thanks!
How to win the claim case from the other car insurance company?
ok. So few days ago, I got into a car accident. I was driving down the highway simply just going straight. All of a sudden, this SUV crashed into me from my left lane and knocked off my side-view mirror & left some marks on my left front door. At that time of the being, I was so shocked because all I did was just go straight & I guess the car next to mine was trying to make a lane change but he wasn't fast enough to advance me. so instead, he bumped into me and realized what he's done then went back to his lane. after the accident, we both exited out from the highway & parked our cars on the side road because that's where the other car led me. I was driving alone at that time & I was so scared because it was my first time getting into this kind of an accident. I quickly tried calling 911 & told the 911 lady to send me a police. But she just asked if there was any injury & I said no then she just told me to exchange the insurance. How rude of her. Not to be mean, but I was little scared of the mexicans b/c the area I was in at the moment was really ghetto. so then I took some photos of the damages and exchanged the insurance company. The guy kept telling me in bad English that he was ahead of me so it's my fault. and I told him that I didn't even move & he was the one changed the lane without even checking to see if it was clear. but he couldn't really speak english well or he didn't even want to listen to me. so I left like that with my sideview mirror dangling next to me. *sigh* this isn't the end of the story yet. I claimed his insurance company which ive never heard of. They said that he's telling them I was the one who hit their car. which made NO SENSE. I even have a picture of their car bumper's mark on my side of the car door which proves that there's no way I hit their car and left a mark on mine and broke my own side view mirror and left THEM no damages. His car was clear with one inch scratch on the side which was made when he hit my car after bumping into me with his bumper and quickly turning back into his own lane. I can't even believe how he can lie about this kind of stuff. I feel so mad that there're ppl like him existing!!! It's so frustrating to see the liar defending himself. His Insurance company didn't even try to look at my car & told me that they are sorry & they can not help me b/c their customer said he didn't do it. What should I do in this situation? I have no witness, there wasn't any police there at the time because they wouldn't send me any which is SO WRONG of them to do. I want to sue 911 people. grr. How can I possibly prove them that I have no faults and they should repair my damn side view mirror?!?!?! What can I do?""
Life Insurance :?
can i stop paying my premium and get back the amount i paid for? . I took insurance for 15 yr. Already 2 years over. Is ther any option to get the invested money back?
Ok i 21 and need car insurance?
so whats the cheapest place to get insurance i no cheap isn't always better but i need to have insurance info 21 male never had a ticket r accident please help
Does anyone know the average 1st car insurance payment & subsequent payments for teen girls in Florida?
On average, does anyone know how much the 1st payment is? My parents are thinking it'd be around $2,000. And does $600 sound about right for subsequent payments?""
What's the average price for car insurance?
i'm turning seventeen soon and i need to get enough money together for a year's worth of insurance.
What is the cheapest car insurance full cover + road side ass.?
what is the cheapest car isurance, full cover + road side assistance. for 4cy 2007 toyota, have to be under $800-""
How much would a teens insurance be for an 08 ram 1500?
Family friend is turning 16 in a few months. She's looking to buy an 08 Dodge Ram 1500 from her friend. How much (about) would her insurance be/year? She is being put under her mother & fathers insurance plan. They have no accidents/tickets/anything that would boost their insurance. They have Nationwide. Can anyone give me an estimate of what her yearly or monthly insurance would be?
Should I cancel my car insurance policy?
So long story short -- I totaled my car in an accident which was my fault back in December, and unfortunately did not have collision coverage on my insurance policy. I am a full-time student and have been unable to afford purchasing another car since then, and do not know when I will be able to afford another car. Although I am now without a vehicle I have been reluctant to cancel my insurance policy because I was told that if I did, whenever I purchased another car and had to buy insurance again the price of it would skyrocket because I would be considered high risk for having a chronological gap in my coverage. So basically I am currently paying $80 a month for car insurance when I do not even have a car, just to avoid having it go up even more at some point in the unknown future after I buy another car. Is this worth it or would it be wiser to just go ahead and cancel my policy? I would like to get some other people's counsel on this who know more about car insurance and who are more financially competent than I am. Thanks so much.""
Where can i get cheap car insurance?
im driving a six years old Saab aero convertible.and on red 'p' and im 26yrs old.i was told i have to pay near $5000 a year .is there any other way to get around it?
Best insurance for Japanese imported car?
I am thinking to buy Mazda Eunos 1992 Japanese import. As i am new driver I find it hard to find decent insurance which will cost me under 2000. Any suggestions? Maybe you know any good company in mind?
Car insurance?
Does anyone know of any insurance company's where you can be on your parents insuance but still get no claims? Thanks
""Car insurance decreases, when? 26 yrs old?""
I started driving when I was 22 years old, and never had an accident. Right now, I'm 26. I pay $116/month for insurance, which I think is kinda high. The vehicle I drive is a 2006 Hyundai Eantra. Car insurance is: Erie Insurance http://www.erieinsurance.com/""
If I get my g2 will my parents insurance rise?
I would like to get my g2 in october, but not get insurance and start driving alone until november. Would this raise my parents insurance from just getting my g2. Also, if i have an 80% avg at midterm, will it lower the cost of insurance? If yes then would a 90 avg lower the insurance cost even more?""
Auto Insurance Is trying to screw me?
My insurance company totaled my 2002 audi a4 after I hit a puddle and hydro locked my engine After investigating and taking over 3 weeks to finally give me a figure they offerd me 12500 including the taxes the Kelly Blue book rates it at 14000 and the Nada Value is 15,700 I dont know what the process is but i dont understand how they can do this and its very frusterating as well as hard being without a car for over a month now the car was in great condition and had low miles for the year any advice???""
""Car insurance for a person, not a car?""
haha if that makes any sense. my friend was telling me about how her friend is insured as a person...so she can drive say her moms car, her friends car, and her boyfriends car. she doesn't have a car of her own so she got insurance to drive other peoples cars? can you do that? if so, what company offers that sort of coverage? thanks""
Do car insurance rates go down in the time you have you license even if you don't have car insurance?
I am going to be a new driver and I am wondering if I just drive my girlfriends car without getting my own insurance if when I drive and get insurance for myself in a couple of years if my rates will be lower. Thank you all for any help.
What is the cheapest way to get insurance with a friends car?
I'm already practising my driving lessons and theory. Once I pass what's the best and cheap way to be insured.
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?""
How much would I pay for car insurance.?
I am 17 and a half year old; about to turn 18 in less than a month. Ive achieved my high school diploma. My parents are adding me to their car insurance and theyve been driving for more than 30 years. Non of them have received any tickets or have cause in accident. Clean record . we live in London Ontario and we drive 2 cars. a 2003 Dodge Grand caravan and a 2003 Chevrolet Malibu please help me
How much does workman's compensation insurance cost?
How much does workman's compensation insurance cost?
Insurance payout after lien paid?
My insurance recently sent my lien-holder, Chase Bank, the agreed amount for my totaled car. I owed about 3k less than what they paid out so am now left wondering when I will receive the difference. Chase received the payment a week ago.""
Auto insurance : which company do you recommend?
We want to switch car insurance...our current one is so expensive! Any recommendations please?Thank you so much.
""What is the average cost for liability insurance for a startup pressure washing small business in BC, CA?""
I own a franchise of College Pro Window Cleaning in Washington State and have been doing a lot of pressure washing through that. I do roofs, decks, driveways, walkways and fences. I am hoping to start up a small weekend pressure washing business in Vancouver BC because I go to UBC. I want to register it and do everything legal but I really want to know about how much i am looking at to get liability insurance or if I should just have my clients sign a damage waiver and probably then cut roof work to decrease my risk of damage. Any insight would help me out a lot.""
Will my auto insurance go up?
I am a California San Diego resident. Four days ago, it was raining very heavily and I was driving a carpool lane on the freeway at about 60-65mph. All of a sudden my car hydroplaned and spinned 360 degrees about 3times and then it finally stopped when my car's rear crashed into the concrete median. FORTUNATELY, it was 4am and this accident did not involve anyone else. I had to leave the place like nothing had happened, because I was on my way to the airport. When I arrived at the airport I looked at my car's rear and the bumper and trunk was heavily damaged. Now, I am in a foreign country enjoying my vacation. My questions are following: (1) Will my insurance go up if I report this accident to my auto insurance? I have a full coverage. (2) Will I be in problem if I report this accident when it has been 4days? I really had no time until now because I had to fly and then settle a problem over here in Asia. Any thoughts/opinions are very welcome! Thank yoU!
How much does a Yamaha YZF R125 cost? And how much is insurance/tax per year?
Cheers :)
Insurance on a 2004 hyundai tiburon GT?
im 16 and i want a 2004 hyundai tiburon GT for my first car and was wondering if you could give me an estimate on what the price would be for insurance each month if it is under my dads name who is 47 he also has an avalanche an armada and a 2500 dodge ram under his name if that helps?
Cheapest car insurance for 17 year olds in the Uk?
Hi, 17 in a week and was wondering what the cheapest insurers would be for 17 year olds, I know there won't be no cheap cheap ones because, well I'm 17 lol but anyone have any ideas? is it worth looking on go compare etc?""
Uk Motorcycle insurance question?
I'm currently doing my CBT and the going to do my A2 licence, which would permit me to ride a 400cc bike, so i'm planning on getting a 600cc bike and restricting it. Would that lower the insurance if i were to mention it has been resticted, i looked it up and for an 18 yr old i got a quote for a 600cc bike for about 1,300. would that be lower if i said it was restricted??""
Will my car insurance skyrocket if I switch from a '97 to a '09?
I live in NYC so my car insurance is already astronomical. I drive a 97 Saturn right now and Im thinking of getting a Prius because of gas prices. Do you think my insurance will increase by a lot because of the difference in model and year? I know I could just get a quote but that's a process with my insurance company.
About how much would it cost to for a year of car insurance for a 17 year old in new york?
I am planning on getting a used 2001 Mercedes-Benz C-Class C320. Before I buy the car I will have a senior license and will have taken drivers ed and a defensive driving coarse.
Help! I dented a car and need an idea on how much it will cost without going through insurance...?
I have a picture of the damage. I am still shaking so worried, it is my first year of driving so am looking to deal with it privately, luckily my car wasn't damaged, however it was my fault so I am going to have to do the paying! <a href= http://s7.photobucket.com/albums/y298/Gothixpixie/?action=view&current=Photo-0107.jpg target= _blank ><img src= http://i7.photobucket.com/albums/y298/Gothixpixie/Photo-0107.jpg border= 0 alt= Photobucket ></a> http://s7.photobucket.com/albums/y298/Gothixpixie/?action=view&current=Photo-0107.jpg Not sure if these hyperlinks will work! Any help would be great!""
How much is cost of insurance of car driven by Indian driving licence holder in UK?
How much is cost of insurance of car driven by Indian driving licence holder in UK?
How much is insurance on a lamborghini?
I'm 16 and thinking about getting this as my first car and just wondering the insurance.
Will I get my parent's insurance after age 18?
I plan on taking a year off of school when I graduate high school. When I turn 18 during that year, because I am not a full time student, will I get taken off my parents health care?""
""Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?""
how much do u think it will add onto the insurance already?, its a 2003 ford focus""
Should vegetarians be required to pay as much for health and life insurance?
We get breaks for being non-smokers, not taking risks, why not for being vegetarian. It is a healthier lifestyle, for me at least, and why should we pay for the cardiac care of those who eat meat? Very few vegetarians suffer from heart disease - the leading cause of death in America.""
Can you rate these cars on insurance coasts?
I was looking at buying a car. I have selected a few cars that I was interested in buying, but I don't know the coasts of car insurance. Can you give me a price range or tell me terrible, bad, average, good, great. If you can give me a price range that would be great and thanks for the help. The cars are 2005 Nissan 350Z Coupe, 2006 Hyundai Tiburon SE, 2009 Mitsubishi Lancer ES, 2006 Audi a4, 2000 Hyundai Tiburon, 2002 Audi TT, 2004 Mazda RX-8, and 2010 Toyota Corolla.""
What is the average car insurance cost for new drivers? (ages 16 and up)?
What is the average car insurance cost for new drivers? (ages 16 and up)?
What kind of car insurance do i need?
hello there,i'm a plumber,i have 7 year no cliam on my vans insurance,till now coz i was goin every where with my van i didn't needed a car,now with new baby we won't be able to go every where with my van so i had to buy a new car,because i won't have any no claim on my car the insurance is sky high....i'm sure i'm missing something in here,i can't drive my van and my car at the same time so why i can't use my no claim on my car too,surely i'm the driver didn't have the accident on these7 years not the cars so why my insurance got to be so high....any idea what can i do about it? thank you so much for your time...take care and all the best""
Why should my family's insurance go up if i get a car?
I'm 17 and am currently on my parents insurance plan, so there are 3 of us with only 2 cars. I'm listed on the truck, b/c it has more horsepower. I'm about to buy a '92 Prelude, and they said the insurance would go up about $122 for 6 months. This doesn't seem too bad, but if i'm now driving my own cheap car, why is that a greater risk than driving the truck with full coverage, not just liability? It seems like it should almost go down, because there's a lower chance that i will crash up one of the more expensive/higher hp cars. Is that just the way it works or is there a better option for me? My agent also said my own policy would make it even more expensive, which i could see, because we wouldn't get the multiple driver or car discount.""
Do anyone reccomend Geico Insurance over Allstate?
Do anyone reccomend Geico Insurance over Allstate?
I am 17 and i am looking for cheap car insurance. does anyone know a good insurer?
I am 17 and i am looking for cheap car insurance. does anyone know a good insurer?
Pre-existing condition on health insurance?
If I apply for health insurance with a preexisting condition and they give me a 12-month waiting period before covering the condition - does that 12 months start over if I am treated within the waiting period and I pay for the treatment on my own? Or does the 12-month waiting period begin from the date I purchased the insurance, regardless of what takes place during the waiting period?""
Car insurance question?
Originally I registered my car insurance with my previous address. Now I've moved to a new place, do I require to update the address? What happen if I don't update the address and continuously using my previous address as registered?""
Cheap health insurance?
anyone know of any cheaper health insurance (maybe like $ 50/mo) i am a single student. i know my school provides insurance in case of emergency. but i am looking for something to help cover my prescriptions & doc visits.
Car insurance question?
My idiot cousin hit my parked car with their truck. He doesn't want to go through his insurance unless absolutely necessary & asked (after I got the estimate the mechanic they go to) that he wants it to go through my insurance (e.g.: wants to act like a hit and run/that he'd pay). What I want to know is, if I go through my insurance as say a hit & run on my parked car, will my rates go up at all/anything negative with my rates?""
""Hello , I have a car in my wifes name ...but the car insurance is in my name can i get it licensed?
Can i get it licensed in kentucky ...while it is in her name? ..she doesn't drive ..i have the insurance on the car in my name..etc .
So im 18 now and i am currently going to school. Iam trying to find out the cheapest auto insurance out there.?
My parents currently have me under mercuary, but i would like to buy my own insurance. Any suggestions?""
Do I need a consent to settle by my own auto insurance company?
The guy who hit me does not have an ample amount of insurance to cover my injuries. They are offering me the policy limits to settle. My own uninsured or uninsured motorist has been given enough documentation to know that my additional insurance will come into play. I have filed suit against the guy and his insurance company, but do I need a letter of consent to settle with them from my own insurance company to make sure that my uninsured motorist coverage will still be available to me. I really think it is criminal for any insurance company or state to make the limits on auto insurance so low, when the average cost of an auto accident is higher than the minimum coverages that they allow drivers to driver under. Also, there are many attorneys that wont even look at taking a case unless the limits are much higher than state minimum, because they can make considerably more on those who are very well insured. My own insurance company is treating my like I am retarded, and I was until I started reading all the insurance laws and bought a very fine civil litigation book for 4 dollars, best investment I ever made. But I am no Pro Se expert, my hat is tipped to you attorneys and insurance adjusters. What a stressful job you have and so many laws to abide by and to follow. I can only get better the more I read the more I know. Thanks for your time.""
Will my auto insurance go up?
I am a California San Diego resident. Four days ago, it was raining very heavily and I was driving a carpool lane on the freeway at about 60-65mph. All of a sudden my car hydroplaned and spinned 360 degrees about 3times and then it finally stopped when my car's rear crashed into the concrete median. FORTUNATELY, it was 4am and this accident did not involve anyone else. I had to leave the place like nothing had happened, because I was on my way to the airport. When I arrived at the airport I looked at my car's rear and the bumper and trunk was heavily damaged. Now, I am in a foreign country enjoying my vacation. My questions are following: (1) Will my insurance go up if I report this accident to my auto insurance? I have a full coverage. (2) Will I be in problem if I report this accident when it has been 4days? I really had no time until now because I had to fly and then settle a problem over here in Asia. Any thoughts/opinions are very welcome! Thank yoU!
Average cost for motorcycle/scooter insurance?
Im considering getting a scooter or small motorcycle, and was just trying to estimate my monthly payments, including insurance. Could you please give me an estimate or exact numbers on how much i should expect to pay? And is it generally cheaper with a smaller bike? cheapest with a scooter? Im 25, no accidents or tickets whatsoever, and am looking for something between 80 and 250 ccs.... Thanks!!!!!!!""
Business names?What is a good name for an insurance agency?
What is the best name for an insurance agency
19 year old car insurance.?
My family has a 02 Honda civic that I can fix up and use I'm 19 going on 20 and I need a car to get around. I done online insurance quotes and I've been getting ridiculous quote prices for a low end 12 year old car. (200 - 300) What would be some recommendations for possible companies. And how much do you think it would be if I got on a policy with my parents.
California Medical for teens?
I am 19 & i have no insurance at all and i was wondering if theres a way to get on the Medi-caid or medi-cal that the state offers to usually younge kids or pregnant women? can someone give me info?
Insurance when you die?
If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed""
Born abroad car insurance premiums higher?
I have been gathering quotes for car insurance online on confused and was delighted to see the price down at 615 for once as I have been getting car insurance every year since the age 18 and it has always been over 1000. However, just having a quick check over my details to make sure everything I had entered was correct and then I noticed I had ticked the resident from birth box. I was born in Spain as my mother went over there to work and then had me. I was born in 87 and she took me back home in 88 or 89 roughly. (She is a full British citizen born and raised in UK). As I have no contact with my father and I don't even remember being in Spain or nor can I even speak the language well, I feel fully British and also am regarded as a British citizen. My mum also registered me at a british consulate in april 88, just 6 months after I was born. So I put on the form that I became a resident in 1988. I then calculate the prices again and the insurance quotes shoot up with 955 being the cheapest and the rest going up to 1000. I then think back to all the years I have been paying the insurance and building up my no claims and being the perfect driver with no claims despite having to pay the shocking premiums that young people have to pay and this makes me absolutely livid that my insurance goes up by 340 to 400 based on the fact that I was born in Spain and spent 1 year of my life there and the rest of the 23 years as British Citizen raised here. I am just wondering if I could get away with just going ahead and saying that I was a resident from Birth as I have a baby on the way and really wish that my premiums were a reasonable ammount for once or I should go through it and just demand that they bring the premiums down to the 615 like originally quoted! It just makes me really annoyed that they can get away with this kind of stuff and I really don't like the fact that I am having to pay higher premiums just for the sake of it. Any advice on this?""
Whats the insurance for a first driver teen?
Im gonna be driving in a couple mths and i need to know a ins rate. I will be getting a 1998 Ford Mustang V6. I live in Houston, Texas. If u know leave an answer. Thx""
Good maternity insurance in Michigan?
We are looking for good affordable maternity insurance here in Michigan. Everything that I've found has a huge waiting period, and they still expect me to pay through the entire time. Any help?""
Canceling Geico car insurance?
I've had Geico insurance on my car for the past year and I've found a much better rate elsewhere and plan to switch. I'm in Virginia. How do I go about canceling with Geico? Do I have to wait until a certain time (end of 6mos, etc) or can I do it at any time? Is there a cancellation fee? Thanks!""
Best health insurance for 22 yr old?
Okay so right now I have insurance through my job and the insurance really blows (for lack of a better term). Every time I go to the doctor I end up paying a couple hundred dollars for the tests they have to run (I'm a girl so I go once a year). Plus they don't cover hospital visits (had to go the emergency room and me insurance didn't pay a dime so I had to pay $500 out of pocket for the visit). So I was looking into getting my own insurance but I am not sure which one I should get. I live in Arizona and I am a 22 year old female. The only time I go to the doctor is for my yearly gyno visit and if something is really wrong (which is very rare). I would also like a vision and dental with it too since I go to the dentist once a year along with going to the eye doctor. So any suggestions would be nice :) Thank you in advance.
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.
How to Improve a Car Insurance Company's Offer?
Someone hits my car while I parked on the street, the lady hits 2 cars. My car value is 11,000 (my car is one way) and the other car value is 2,000. The lady's insurance only cover up to 10,000. So I only can get 84% of the 10,000 (so i got $8461) How I ask for more money?""
""Where can I buy cheap auto insurance in Houston, Texas?Just moved here, only paid $30/month in California!?""
Want to buy cheap auto insurance in person! In California I paid $30 a month at a place that catered to poor people basically, but had good coverage for cheap. I am not interested in paying double online with Geico, progressive, etc (as the quotes I've gotten are). Where can I get cheap basic coverage in person in Houston Texas? Thank you.""
Would you accept a job working as an Insurance Call Center Agent?
The job entails helping senior citizens all over the country obtain affordable insurance solutions that cover their final expenses and medical bills. The work hours are Monday  ...show more
What is the cheapest insurance company?
Ok so I'm 16 years I have an 08 Kawasaki ninja 250 and I live in rural California what should I expect to pay for liability only
I don't have dental insurance.?
I don't have dental insurance and I haven't been to the dentist in years. Anyone know of any good dental discounts or insurance. I really want to go and get a cleaning and check up. I think i'll need some work done considering my jaw hurts and the gap in my teeth seems to be getting wider. Anyone else not have dental insurance? Thanks for the help
""I heard that car insurance is cheaper if i include my spouse, why ?""
i would imagine car insurance would cost more then there are more people using a car, not the other way around""
How much should I be paying a month in car insurance?
I'm going to be buying a car hopefully in the next two weeks, and I'm just wondering what the average rate I should be paying for car insurance should be. I'm 23, live with my parents, would be parking in the garage, and the car I would be buying is a 2012 Honda Civic LX. I would mostly be using it for commuting to and from work, I've never had a car before so I know it's probably going to be somewhere around $300/month. Note: I live in Canada so if you're in the states there will probably be a big difference in how much I pay.""
How much does an auto insurance agent get paid?
..so i was wondering going into the field of auto insurance and what would be the dollar premium that an agent get paid or the minimum...just received my license so i think thats ...show more
""No insurance, can i go to the doc?
I don't. have insurance except plan 1st (for birth control) i need to go to the doctor but would they even see me?
""In the state of New Jersey,how long does it take to get caught driving with no car insurance?""
My insurance lapse a month ago today.I am waiting on my workers comp settlement from a job related injury.Is there a way that cops can detect that my insurance has lapsed other than an accident?I have and legit insurance card till June,and registration.Can they suspend my registration?if so is there a warning?I will try to stay off the road till next month but i need to make my Dr.appointments etc.""
How does car insurance work with multiple drivers and one car?
My family has one car and the only one who currently drives it/has auto insurance is my dad. If my sister and I are to get our drivers licenses (and would only ever drive this one car, too) how does insurance work? Do me and my sister both have to pay insurance on that same car too? Thanks!""
What is the Average Cost for Health Insurance?
I want to buy health insurance? What is the average cost for health insurance? Thank you.
My parents just lost there health insurance. ?
My dad retired from the city of Stockton after 36 years. Due to our city filing bankruptcy all retirees now have to pay for there health insurance(1200 dollars a month for my parents). This is just not affordable for then so they lost there insurance. My mom takes enbrel for her medical condition. How can I get her that medication at an affordable price? I have been looking but can't find any help. My parents are 60 years old.
Individual health insurance plan?
I'm trying to find an individual plan that covers all my needs. I do have a routine medical problem that requires a few prescriptions every month, it's not a big and costly issue like cancer or HIV. Should I disclose this as a preexisting medical condition if asked, will I be denied coverage if I'm honest? If I obtain the insurance after denying my condition could I be denied the care/specialty visit/meds from a very routine medical condition?""
Will my auto insurance go up?
I am a California San Diego resident. Four days ago, it was raining very heavily and I was driving a carpool lane on the freeway at about 60-65mph. All of a sudden my car hydroplaned and spinned 360 degrees about 3times and then it finally stopped when my car's rear crashed into the concrete median. FORTUNATELY, it was 4am and this accident did not involve anyone else. I had to leave the place like nothing had happened, because I was on my way to the airport. When I arrived at the airport I looked at my car's rear and the bumper and trunk was heavily damaged. Now, I am in a foreign country enjoying my vacation. My questions are following: (1) Will my insurance go up if I report this accident to my auto insurance? I have a full coverage. (2) Will I be in problem if I report this accident when it has been 4days? I really had no time until now because I had to fly and then settle a problem over here in Asia. Any thoughts/opinions are very welcome! Thank yoU!
https://www.linkedin.com/pulse/car-insurance-question-ruby-holder"
0 notes
yourchoicepage · 7 years
Text
Years Of British Ridiculousness Pave The Way For UK PropTech Boom
It’s been a fascinating, if occasionally turbulent, few years here in the UK; when David Cameron first promised a referendum on EU membership back in 2015, even our best minds had no idea quite how dumbfounding the events that followed would be.
A sure-fire win for Remain was upturned by a narrow a Leave victory, at which point Cameron jumped ship before most of us had buttered our toast. Michael Gove, having stated repeatedly that he doesn’t have what it takes to be leader, stabbed Boris in the back by telling the nation that he’s the only man who has what it takes to be leader. It didn’t take long for Gove to reveal his overt repugnance, and after Andrea Leadsom suggested that only a parent could lead the country, she too fell away. It was Theresa May who finally staggered from the flames.
Despite a relatively strong Tory governance, May grew heady from surprisingly positive opinion polls and, having previously stated on multiple occasions that she would never plunge the country into a snap election, plunged the country into a snap election under the guise of strengthening her parliamentary majority and bolstering her negotiations with the EU.
That misguided plan, however, was scuppered by the The Summer Of Jeremy Corbyn. The Labour leader and old-timer surprised the entire nation, not least his own shadow cabinet, by stripping the Tories of any sort of majority at all. People like Jeremy because he seems honest and promotes peace and takes the bus just like you and me. But then other people hate Jeremy because he seems dishonest and is almost definitely ‘a terrorist’ and doesn’t even own a car.
In the midst of all this rubbish, one would be forgiven for assuming that the atmosphere has grown somewhat sour around here, but it’s not the case. And one of the biggest surprises, post-Brexit, is the fact that the property industry has not only survived, it has thrived. If 2017 keeps going the way it is, the UK will be able to boast more PropTech investment than anywhere else in the world.
How can it be possible that the most valuable asset class of a nation in political and geographical limbo can maintain such growth? The way I see it, there are a few reasons.
Brexit Boom
All anticipation of a post-Brexit property slump was proven wrong almost immediately. In fact, since Brexit, UK commercial property is healthier and seemingly more prosperous than ever.
It is my opinion that the vote to leave Europe may have contributed directly to this period of boom. By drawing attention to an uncertain future, Brexit may have forced big companies that hold a major stake in the UK economy to play their hand earlier than they were perhaps planning to.
In or out of Europe, the UK, and London in particular, are essential hubs for big US companies. The UK is America’s portal to the European market and, because business is carried out in the English language, it likely always will be. Therefore, companies like Facebook, Google and Apple have significant interests in the health of our economy. As such, in the wake of Brexit, they may have felt the need to act quickly to show solidarity and belief in the future of Britain. Apple purchased much-revered office space in the Battersea Power Station and Google has committed to a sprawling ‘landscraper’ campus in historic King’s Cross.
Had Cameron not been a complete twonk and called for a referendum based on self-interest and vanity, these companies might not have yet played their hands, in terms of investing further in the UK, and 2017 wouldn’t be proving such a bumper year for property.
What about UK PropTech?
Let’s move away from general property to focus on UK PropTech. What forces have allowed investment and growth to keep rising in a period of such uncertainty?
First and foremost, it was time. Between 2014 and 2016, America and Asia enjoyed the majority of investor’s interest. Millions upon millions were ploughed into disruptive startups as well as established companies pivoting to survive in this period of digital transformation. Meanwhile, the UK plodded along, sure and steady, waiting for its time in the spotlight. That time is now. America and Asian investment have levelled off and all eyes have turned to Europe.
But that’s not to sell short the talent that we have in the UK. Our budding startups and emerging brands have made bold moves to try and push increased adoption of their services and products. The property world is notoriously cagey towards new tech and one early barrier to the UK’s success was a reluctance to adopt the innovative systems being introduced.
That’s why PropTech companies have had to be simultaneously patient and proactive, re-analysing their business models to try and overcome initially cool receptions. One example of this is EyeSpy360, a virtual reality company who provide 360-degree virtual tours for property. In order to speed up the adoption of their tech, they made a brave and brilliant move. They realigned their plans in order to offer a Freemium service that allows anyone and everyone to create a virtual tour of their property absolutely free of charge.
A significant obstacle to wider market adoption of VR is accessibility. By providing the equipment and expertise required for people to create DIY VR property tours, EyeSpy 360 are actively contributing to the rising demand for the technology.
Numerous examples of this sort of creative problem solving have been key contributors to the rapid growth of UK PropTech.
The Queen is Ditching Deposits
Yes, the snap election was a pantomime, but it did result in a Queen’s Speech sooner than we planned. And because the Tories had lost their parliamentary majority, they were unable to push through the majority of their proposed policies. The Queen’s Speech was much shorter and lacking in solid pledges than ever before. However, what’s really interesting is that one thing that did make it in was a complete ban on the hidden fees that estate agents and landlords like charge incoming rental tenants. In a speech thin on content, it’s important that this was chosen for inclusion.
It has caused a mixed reaction; predictably, the people who get charged are happy, the ones who do the charging are glum. Fees and deposits are big news here, and there are numerous PropTech groups working to save homebuyers and renters money by eliminating extra costs.
We have companies like Purplebricks, the online estate agent, running ads like this, directly using ‘no fees’ as their hook. And then there is Reposit, a PropTech company with the singular mission of eliminating the tenancy deposit with an affordable and reliable alternative.
Interestingly, a large collective, lead by Zoopla (our equivalent of Zillow), has recently announced that they themselves are to introduce a tenancy deposit alternative; there could be no bigger sign that there is a growing interest in this niche sector.
Outlawing hidden fees is a good example of how changes in UK laws and regulations are paving the way for greater PropTech success, and it’s it’s early introduction is another example of UK PropTech enjoying a happy accident resulting from arrogant politics.
Collaboration
UK PropTech has long been a secretive industry where companies are reluctant to show too much and are closed to collaboration. But that’s normal for a young industry, still working out exactly what its core mission is. Thankfully, this is coming to an end as UK PropTech enters adolescence and entrepreneurs are realising that, to act truly in the interests of the property industry, they need to interact, share and collaborate with other companies and institutions.
For me, this sort collaboration is an essential ingredient in the future success of the UK scene. Without it, we place great limitations on the speed at which we can innovate.
As well as inter-PropTech, we are also seeing an even more exciting type of collaboration, one which demonstrates how the mentality of our major institutions is changing. One recent example is the announcement that HMLR and Ordnance Survey have partnered up with the sole purpose of helping the PropTech community with more accessible, more efficient and more comprehensive land data.
The UK has long suffered from sluggish, anti-tech attitudes from the established, traditional property firms. In 2017, we are finally leaving these Luddite attitudes behind and even the most traditional of institutions are opening up to collaboration with tech.
Open Data
The subject of land data brings me nicely to another key area of UK PropTech; the argument of open data.
Open data, data that is free for all, is quite simply essential for future growth. If big companies don’t share their data sets with each other, all they are able to do is analyse and reanalyse their own; over and over again. But if everyone shares, everyone has access to everything, and with access to everything, creative minds can do anything.
There is still some reluctance to sharing, especially from the biggest of firms, but to illustrate how seriously the idea of data is being taken in the UK, I point you in the direction of a man called Dan.
Dan Hughes is somewhat of a PropTech celebrity over here, thanks mainly to his position as Director of Data and Information Product Management at The Royal Institute of Chartered Surveyors (RICS). For such a traditional body to create such a forward looking job position shows how important the improvement of data practices is being taken, and a great indicator that we are moving towards being a truly forward thinking industry.
Some Things Still Need Work…
Things are looking good for UK PropTech, but that’s not to say there aren’t a few areas of concern. One example, and a particular niggle for me, would be the apparent reluctance to distinguish between disruption and innovation.
Although ‘disrupt’ is very much the zeitgeist term, I am firmly in the camp that believes more in innovation, and it concerns me some recent PropTech announcements and forecasts have been more focussed on disruption.
The difference between the two, as I see it, is that innovation is technological advancement for the benefit of the user; disruption is the uprooting and replacement of a previously trusted system.
Disruption certainly has its place and is an important part of the digital transformation, but here in the UK, I don’t think we are asking enough questions before accepting disruptive rather than innovative forces.
For example, over in America, since Zillow introduced instant offers as part of their service (a clear attempt to bypass the realtor), there has been a strong backlash from the realtor community, including calls to boycott the Zillow platform altogether. I think it’s interesting, and a little disappointing, that we’re not seeing similar reactions over here. Zoopla, our prominent online property portal, has, in my opinion, obvious intentions to introduce a series of services that would normally be fulfilled by a broker.
Much like Uber has nearly wiped London cabbies off the map, Zoopla could start following up on their own leads, rather than selling them on. And yet nobody is saying anything about it.
The people at the core of our PropTech industry have worked too hard and too long to be completely disrupted by a full-service giant. I hope, moving forward, we hear more from the people who want to protect the core values of property and stop those in their tracks who want to introduce forces that go against the wider and greater interests of the industry.
The UK benefits from a rich history and enviable culture that is recognised the world over. Because of that, it will forever remain a key global hub. We are lucky in that. But there is still a real issue of North and South divide. As a nation, we place too much emphasis on London, and major cities in The North remain underserved by the government as well as global investment.
For UK PropTech to truly thrive, this needs to change. Currently, London has very different cultural and political stances than the vast majority of the country, something painted in screaming colours by the Brexit vote. This is the direct result of an uneven distribution of wealth and with property being the most valuable asset class we have, it carries a large responsibility in addressing this issue.
Our political future may be impossible to predict, but that doesn’t seem to have had any effect on the appetite for UK real estate. Just so long as our industry keeps its eyes open and looking forward, and our government improves efforts to share London’s success with the rest of the country, our PropTech entrepreneurs and innovators have a clear and fruit-lined road ahead.
Or maybe it’s all down to ‘The Bo-Jo Effect’
The last few years have been negotiated with a stereotypically British bumble, and maybe that’s the secret to our success? The rest of world finds it endearing, hence Boris Johnson’s staggering popularity overseas. It could be that, rather than turn the world off, our political ineptitude has actually helped the UK become more attractive. Maybe, when we finally get our shit together, investors will get bored and PropTech investment will level off?
The post Years Of British Ridiculousness Pave The Way For UK PropTech Boom appeared first on GeekEstate Blog.
Years Of British Ridiculousness Pave The Way For UK PropTech Boom published first on http://ift.tt/2vfDHOG
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garynsmith · 7 years
Text
Years Of British Ridiculousness Pave The Way For UK PropTech Boom
http://ift.tt/2uy7S0D
It’s been a fascinating, if occasionally turbulent, few years here in the UK; when David Cameron first promised a referendum on EU membership back in 2015, even our best minds had no idea quite how dumbfounding the events that followed would be.
A sure-fire win for Remain was upturned by a narrow a Leave victory, at which point Cameron jumped ship before most of us had buttered our toast. Michael Gove, having stated repeatedly that he doesn’t have what it takes to be leader, stabbed Boris in the back by telling the nation that he’s the only man who has what it takes to be leader. It didn’t take long for Gove to reveal his overt repugnance, and after Andrea Leadsom suggested that only a parent could lead the country, she too fell away. It was Theresa May who finally staggered from the flames.
Despite a relatively strong Tory governance, May grew heady from surprisingly positive opinion polls and, having previously stated on multiple occasions that she would never plunge the country into a snap election, plunged the country into a snap election under the guise of strengthening her parliamentary majority and bolstering her negotiations with the EU.
That misguided plan, however, was scuppered by the The Summer Of Jeremy Corbyn. The Labour leader and old-timer surprised the entire nation, not least his own shadow cabinet, by stripping the Tories of any sort of majority at all. People like Jeremy because he seems honest and promotes peace and takes the bus just like you and me. But then other people hate Jeremy because he seems dishonest and is almost definitely ‘a terrorist’ and doesn’t even own a car.
In the midst of all this rubbish, one would be forgiven for assuming that the atmosphere has grown somewhat sour around here, but it’s not the case. And one of the biggest surprises, post-Brexit, is the fact that the property industry has not only survived, it has thrived. If 2017 keeps going the way it is, the UK will be able to boast more PropTech investment than anywhere else in the world.
How can it be possible that the most valuable asset class of a nation in political and geographical limbo can maintain such growth? The way I see it, there are a few reasons.
Brexit Boom
All anticipation of a post-Brexit property slump was proven wrong almost immediately. In fact, since Brexit, UK commercial property is healthier and seemingly more prosperous than ever.
It is my opinion that the vote to leave Europe may have contributed directly to this period of boom. By drawing attention to an uncertain future, Brexit may have forced big companies that hold a major stake in the UK economy to play their hand earlier than they were perhaps planning to.
In or out of Europe, the UK, and London in particular, are essential hubs for big US companies. The UK is America’s portal to the European market and, because business is carried out in the English language, it likely always will be. Therefore, companies like Facebook, Google and Apple have significant interests in the health of our economy. As such, in the wake of Brexit, they may have felt the need to act quickly to show solidarity and belief in the future of Britain. Apple purchased much-revered office space in the Battersea Power Station and Google has committed to a sprawling ‘landscraper’ campus in historic King’s Cross.
Had Cameron not been a complete twonk and called for a referendum based on self-interest and vanity, these companies might not have yet played their hands, in terms of investing further in the UK, and 2017 wouldn’t be proving such a bumper year for property.
What about UK PropTech?
Let’s move away from general property to focus on UK PropTech. What forces have allowed investment and growth to keep rising in a period of such uncertainty?
First and foremost, it was time. Between 2014 and 2016, America and Asia enjoyed the majority of investor’s interest. Millions upon millions were ploughed into disruptive startups as well as established companies pivoting to survive in this period of digital transformation. Meanwhile, the UK plodded along, sure and steady, waiting for its time in the spotlight. That time is now. America and Asian investment have levelled off and all eyes have turned to Europe.
But that’s not to sell short the talent that we have in the UK. Our budding startups and emerging brands have made bold moves to try and push increased adoption of their services and products. The property world is notoriously cagey towards new tech and one early barrier to the UK’s success was a reluctance to adopt the innovative systems being introduced.
That’s why PropTech companies have had to be simultaneously patient and proactive, re-analysing their business models to try and overcome initially cool receptions. One example of this is EyeSpy360, a virtual reality company who provide 360-degree virtual tours for property. In order to speed up the adoption of their tech, they made a brave and brilliant move. They realigned their plans in order to offer a Freemium service that allows anyone and everyone to create a virtual tour of their property absolutely free of charge.
A significant obstacle to wider market adoption of VR is accessibility. By providing the equipment and expertise required for people to create DIY VR property tours, EyeSpy 360 are actively contributing to the rising demand for the technology.
Numerous examples of this sort of creative problem solving have been key contributors to the rapid growth of UK PropTech.
The Queen is Ditching Deposits
Yes, the snap election was a pantomime, but it did result in a Queen’s Speech sooner than we planned. And because the Tories had lost their parliamentary majority, they were unable to push through the majority of their proposed policies. The Queen’s Speech was much shorter and lacking in solid pledges than ever before. However, what’s really interesting is that one thing that did make it in was a complete ban on the hidden fees that estate agents and landlords like charge incoming rental tenants. In a speech thin on content, it’s important that this was chosen for inclusion.
It has caused a mixed reaction; predictably, the people who get charged are happy, the ones who do the charging are glum. Fees and deposits are big news here, and there are numerous PropTech groups working to save homebuyers and renters money by eliminating extra costs.
We have companies like Purplebricks, the online estate agent, running ads like this, directly using ‘no fees’ as their hook. And then there is Reposit, a PropTech company with the singular mission of eliminating the tenancy deposit with an affordable and reliable alternative.
Interestingly, a large collective, lead by Zoopla (our equivalent of Zillow), has recently announced that they themselves are to introduce a tenancy deposit alternative; there could be no bigger sign that there is a growing interest in this niche sector.
Outlawing hidden fees is a good example of how changes in UK laws and regulations are paving the way for greater PropTech success, and it’s it’s early introduction is another example of UK PropTech enjoying a happy accident resulting from arrogant politics.
Collaboration
UK PropTech has long been a secretive industry where companies are reluctant to show too much and are closed to collaboration. But that’s normal for a young industry, still working out exactly what its core mission is. Thankfully, this is coming to an end as UK PropTech enters adolescence and entrepreneurs are realising that, to act truly in the interests of the property industry, they need to interact, share and collaborate with other companies and institutions.
For me, this sort collaboration is an essential ingredient in the future success of the UK scene. Without it, we place great limitations on the speed at which we can innovate.
As well as inter-PropTech, we are also seeing an even more exciting type of collaboration, one which demonstrates how the mentality of our major institutions is changing. One recent example is the announcement that HMLR and Ordnance Survey have partnered up with the sole purpose of helping the PropTech community with more accessible, more efficient and more comprehensive land data.
The UK has long suffered from sluggish, anti-tech attitudes from the established, traditional property firms. In 2017, we are finally leaving these Luddite attitudes behind and even the most traditional of institutions are opening up to collaboration with tech.
Open Data
The subject of land data brings me nicely to another key area of UK PropTech; the argument of open data.
Open data, data that is free for all, is quite simply essential for future growth. If big companies don’t share their data sets with each other, all they are able to do is analyse and reanalyse their own; over and over again. But if everyone shares, everyone has access to everything, and with access to everything, creative minds can do anything.
There is still some reluctance to sharing, especially from the biggest of firms, but to illustrate how seriously the idea of data is being taken in the UK, I point you in the direction of a man called Dan.
Dan Hughes is somewhat of a PropTech celebrity over here, thanks mainly to his position as Director of Data and Information Product Management at The Royal Institute of Chartered Surveyors (RICS). For such a traditional body to create such a forward looking job position shows how important the improvement of data practices is being taken, and a great indicator that we are moving towards being a truly forward thinking industry.
Some Things Still Need Work…
Things are looking good for UK PropTech, but that’s not to say there aren’t a few areas of concern. One example, and a particular niggle for me, would be the apparent reluctance to distinguish between disruption and innovation.
Although ‘disrupt’ is very much the zeitgeist term, I am firmly in the camp that believes more in innovation, and it concerns me some recent PropTech announcements and forecasts have been more focussed on disruption.
The difference between the two, as I see it, is that innovation is technological advancement for the benefit of the user; disruption is the uprooting and replacement of a previously trusted system.
Disruption certainly has its place and is an important part of the digital transformation, but here in the UK, I don’t think we are asking enough questions before accepting disruptive rather than innovative forces.
For example, over in America, since Zillow introduced instant offers as part of their service (a clear attempt to bypass the realtor), there has been a strong backlash from the realtor community, including calls to boycott the Zillow platform altogether. I think it’s interesting, and a little disappointing, that we’re not seeing similar reactions over here. Zoopla, our prominent online property portal, has, in my opinion, obvious intentions to introduce a series of services that would normally be fulfilled by a broker.
Much like Uber has nearly wiped London cabbies off the map, Zoopla could start following up on their own leads, rather than selling them on. And yet nobody is saying anything about it.
The people at the core of our PropTech industry have worked too hard and too long to be completely disrupted by a full-service giant. I hope, moving forward, we hear more from the people who want to protect the core values of property and stop those in their tracks who want to introduce forces that go against the wider and greater interests of the industry.
The UK benefits from a rich history and enviable culture that is recognised the world over. Because of that, it will forever remain a key global hub. We are lucky in that. But there is still a real issue of North and South divide. As a nation, we place too much emphasis on London, and major cities in The North remain underserved by the government as well as global investment.
For UK PropTech to truly thrive, this needs to change. Currently, London has very different cultural and political stances than the vast majority of the country, something painted in screaming colours by the Brexit vote. This is the direct result of an uneven distribution of wealth and with property being the most valuable asset class we have, it carries a large responsibility in addressing this issue.
Our political future may be impossible to predict, but that doesn’t seem to have had any effect on the appetite for UK real estate. Just so long as our industry keeps its eyes open and looking forward, and our government improves efforts to share London’s success with the rest of the country, our PropTech entrepreneurs and innovators have a clear and fruit-lined road ahead.
Or maybe it’s all down to ‘The Bo-Jo Effect’
The last few years have been negotiated with a stereotypically British bumble, and maybe that’s the secret to our success? The rest of world finds it endearing, hence Boris Johnson’s staggering popularity overseas. It could be that, rather than turn the world off, our political ineptitude has actually helped the UK become more attractive. Maybe, when we finally get our shit together, investors will get bored and PropTech investment will level off?
The post Years Of British Ridiculousness Pave The Way For UK PropTech Boom appeared first on GeekEstate Blog.
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