#cash home buyer in Hawaii

[autozillahawaii]

Streamlining Transactions: Sell My Car Online for Cash Offers a Hassle-Free Solution

In the age of digital convenience, the process of selling a car has undergone a significant transformation, with sell my car now in Oahu  emerging as a game-changing solution. This innovative approach not only simplifies the selling experience but also provides sellers with the added benefit of receiving quick and hassle-free cash offers for their vehicles.

The traditional method of selling a car often involves a series of time-consuming steps, from advertising and negotiating to completing paperwork. Recognizing the need for a more efficient alternative, sell my car Hawaii platforms have risen to prominence, offering a streamlined solution that aligns with the pace of the digital era.

One of the key advantages of selling a car online for cash is the speed of the process. Sellers can initiate the transaction from the comfort of their homes by visiting the platform's website. The process typically begins with providing essential details about the vehicle, including make, model, year, condition, and mileage. Leveraging advanced algorithms, these platforms swiftly generate cash offers based on the submitted information, eliminating the need for prolonged negotiations.

The online platforms ensure a user-friendly experience, guiding sellers through the entire process with clear instructions and intuitive interfaces. This approach not only saves time but also simplifies the often complex and daunting task of selling a car. Sellers can navigate the platform at their own pace, submitting information and accepting offers with just a few clicks.

Transparency is a hallmark of reputable "Sell My Car Online for Cash" platforms. Sellers receive detailed breakdowns of the cash offer, understanding exactly how the valuation was calculated. This transparency builds trust between the seller and the platform, ensuring that the seller is well-informed and confident in their decision to accept the cash offer.

Once the seller accepts the offer, the online platform takes care of the logistics, scheduling a convenient time for a vehicle inspection and finalizing the sale. This eliminates the need for sellers to navigate the intricacies of coordinating meetings and inspections, further streamlining the process.

The efficiency of online transactions for cash extends beyond the convenience for sellers. Buyers are also drawn to this model due to its simplicity and speed. The straightforward process appeals to those looking for a quick and direct way to purchase a used vehicle, creating a win-win situation for both sellers and buyers.

Environmental responsibility is another aspect where selling a used car Hawaii platforms excel. These platforms often collaborate with environmentally conscious disposal and recycling services, ensuring that vehicles are handled in an eco-friendly manner. Sellers can take pride in contributing to sustainable practices while also benefiting from the cash offers provided by the platform.

The rise of "Sell My Car Online for Cash" platforms has transformed the vehicle selling experience. Offering a streamlined, transparent, and efficient process, these platforms cater to the needs of sellers in the digital age. Sellers can part ways with their vehicles swiftly, receiving cash offers without the headaches associated with traditional selling methods. As the automotive industry embraces the digital revolution, online platforms for cash transactions continue to redefine and simplify the way we sell and buy cars. https://www.autozillahawaii.com/sell-used-cars.htm

[borrowbuysell]

Jumbo Loans: How Does It Work, Who Should Get A Jumbo Loan.

New Post has been published on https://borrowbuysell.com/jumbo-loans-how-does-it-work-who-should-get-a/

Jumbo Loans: How Does It Work, Who Should Get A Jumbo Loan.

Jumbo Loans: How Does It Work, Who Should Get A Jumbo Loan.

  In the dynamic realm of real estate and finance, the term “Jumbo Loan” echoes with a certain mystique. It’s a phrase often thrown around in conversations about high-end real estate transactions, but what exactly does it entail? Whether you’re a seasoned homeowner, a prospective buyer eyeing the luxury market, or just someone intrigued by the intricacies of financial jargon, understanding the nuances of Jumbo Loans is crucial. In this comprehensive guide, we embark on a journey to demystify the concept of Jumbo Loans, unraveling the complexities that surround this specialized form of financing. From deciphering the eligibility criteria to exploring the impact of Jumbo Loans on the housing market, we’ll delve into the intricacies that make these loans distinct from conventional mortgage options. So, fasten your seatbelts as we navigate the landscape of Jumbo Loans, shedding light on the key components defining this intriguing facet of real estate financing.  

What Is the Definition of a Jumbo Loan?

  Overstepping the restrictions imposed by the Federal Housing Finance Agency (FHFA) is a kind of financing known as a jumbo loan. Jumbo mortgages are another name for jumbo loans. Unlike an average mortgage, a jumbo loan does not fulfill the standards to be bought, insured, or securitized by Fannie Mae or Freddie Mac. However, jumbo loans do not qualify. Jumbo mortgages have specialized underwriting requirements and tax ramifications since they are meant to fund high-priced homes in areas with intense competition for real estate. These mortgages have become popular as the housing market has recovered from the Great Recession.  

Benefits of Obtaining a Jumbo Loan.

  The fact that borrowers may get jumbo loans means they can get mortgages for more considerable sums than what is typically authorized by the Federal Housing Finance Agency (FHFA). This regulation is not uniform throughout the country. The Federal Housing Finance Agency (FHFA) annually establishes regional conforming loan limits. In 2023, the ceiling will be $726,200 over the bulk of the United States. This is an increase of $79,000 over the previous cap in 2022, which was $647,200. The baseline limit for counties with higher average home prices is $1,089,300, or 150% of $726,200. When it comes to setting loan limitations, the FHFA uses a distinct set of standards for territories that are situated outside of the continental United States. As a direct result, the standard limit for a jumbo loan in Alaska, Guam, Hawaii, and the United States Virgin Islands will also be $1,089,300 as of 2023. That number might be low in places with a higher home price. A jumbo mortgage is necessary to purchase a home that costs more than $500,000, but you need more cash to make the down payment. A jumbo mortgage is a much bigger loan than a conforming mortgage. You should realize that the requirements for your credit score will be much higher than for a conventional loan if you were a homeowner. This is because the lender assumes more of the credit risk on jumbo loans since Fannie Mae or Freddie Mac does not back them. The stakes are higher because of the larger quantity of money at play.  

How Jumbo Loans Work.

  The requirements for qualifying for a jumbo mortgage have become increasingly stringent since 2008. To get approved, your credit score must be at least 700, and your debt-to-income ratio should be as low as feasible. The DTI must be under 43% and preferably closer to 36%. Even though they are not conforming mortgages, Jumbo loans must meet the requirements of the Consumer Financial Protection Bureau’s “qualified mortgage.” A system of financing with universally accepted conditions and standards, such as a DTI cap of 43%. You’ll need proof that you can afford the payments, which would be high if you opt for a standard 30-year fixed-rate mortgage. Borrowers are required to furnish pay stubs and W-2 tax forms going back two years, in addition to 30 days’ worth of pay stubs; however, the entire loan amount decides the particular income levels and reserve requirements of applicants. If you’re self-employed, two years of tax returns and the most recent 60 days’ worth of bank statements are required. In comparison to employee requirements, they are more stringent. The borrower must also provide evidence of sufficient liquid assets and cash reserves to cover anything from six months to a year’s mortgage payments. In addition, every applicant must provide appropriate paperwork on any other loans they already have, as well as evidence of ownership of nonliquid assets (such as additional real estate).  

Rates on Jumbo Loans.

  Interest rates on jumbo mortgages used to be much higher than on regular mortgages, but the gap between the two kinds of loans has narrowed in recent years. In the present market, the average annual percentage rate (APR) for a jumbo mortgage is usually the same as the APR for a conventional mortgage. In other circumstances, it is even lower. In other words, the APR for a jumbo mortgage is equivalent to the APR for a regular mortgage. As of July 21, 2023, Wells Fargo’s annual percentage rate (APR) for a 30-year fixed-rate conforming loan was 6.699%, while the APR for a 30-year fixed-rate jumbo loan was 6.341%. Although government-sponsored enterprises (GSEs) cannot securitize jumbo loans, many other financial institutions are. Due to the higher risk level, the yield on such instruments trades at a premium compared to conventionally securitized mortgages. However, this buffer has shrunk because of the rising loan interest rate.  

Down Payment on a Jumbo Loan.

  The first payment’s terms and conditions have improved during this same period. Traditional jumbo mortgages require a down payment of at least 30% of the purchase price from the borrower. This amount is well above the industry benchmark of 20% for a mortgage. This number ranges from 10 percent to 15 percent lower than its earlier value. One possible benefit of a larger down payment is eliminating the requirement to purchase the private mortgage insurance (PMI) required by most lenders for down payments of less than 20%. This is one scenario in which a more significant down payment might be helpful.  

Who Should Get a Jumbo Loan?

  How much money you may borrow depends on several factors, including your assets, your credit, and the property value you want to buy. Mortgages of this sort are frequently considered fit for a subgroup of high-income earners who make between $250,000 and $500,000 yearly. HENRY is an acronym for “high earners not yet affluent,” which describes this group of people. These people make a lot of money on average, but they have yet to save millions of dollars or amass many assets. While members of the HENRY market may not be able to afford a sizeable down payment on a brand new home in cash, they are more likely to qualify for a conventional mortgage loan because of their higher incomes and longer credit histories than the typical homebuyer. This is because higher-income people spend a more significant portion of their money on housing. They also often have more solid and secure retirement funds. They tend to have a longer track record of contributing to the system than individuals with lower salaries. Counting on a manageable amount of tax benefits from a large loan would be best. There is a $750,000 (or $375,000 if married filing separately) limit on mortgage interest deductions for loans taken out after 2017. Since these clients often have more complex financial needs, they are attractive to banks and other financial organizations as long-term solution subscribers. As a bonus, a mortgage for $2 million is more straightforward for a bank to maintain than ten loans of $200,000 apiece.  

Considerations for a Jumbo Loan.

  Although you may be eligible for one of these loans, more is needed to rush out and apply for one. Should you do so if, for example, you believe doing so would substantially reduce your tax liability? If you itemize your deductions, you are aware that you can potentially deduct from your taxes the amount of mortgage interest you paid during any given year. While the IRS imposed a cap on this deduction, it’s unlikely that you’ve ever had to worry about it. This ceiling was cut due to the passing of the Tax Cuts and Jobs Act. Mortgage interest paid on up to $1 million in debt (the previous maximum) is tax deductible for borrowers who closed on their loans on or before December 14, 2017. However, if you completed your home purchase on or after December 14, 2017, you may only deduct the interest on a $750,000 mortgage. The mortgage interest you may deduct from your taxes lowers as its principal value rises. For example, if you wish to take up a jumbo mortgage for $2 million and pay $80,000 in interest each year, you can only deduct $30,000. The IRS only allows you to deduct interest on the first $750,000 of your mortgage. The actual percentage of mortgage interest that may be deducted from your taxes is 37.5 percent. This means you should borrow money with prudence and do the math to determine how much you can afford and what sort of tax benefits you will be entitled to before making a final decision. Owning property in a high-tax area can increase your financial stress since the deduction for state and local taxes is restricted to $10,000 per year. Consider the pros and cons of getting many smaller conforming loans and one bigger jumbo loan by comparing the terms of both types of loans.  

What Are the Jumbo Loan Requirements?

  To get approved for the loan, you must have a high credit score (at least 700) and a low debt-to-income ratio (DTI). The DTI should be closer to 36% but no more than 43%. Even though they are not conforming mortgages, Jumbo loans must meet the requirements of the Consumer Financial Protection Bureau’s “qualified mortgage.” A lending system with well-established parameters and rules, such as a maximum DTI of 43%. How Much Does a Jumbo Loan Require for a Down Payment? Traditional mortgage lenders often required borrowers to put down 20% of a home’s purchase price; jumbo mortgage lenders typically required borrowers to put down 30%. This figure is now anywhere from 10-15 percent lower than it was previously.  

In summary

  Loans over the limits set by the Federal Housing Finance Agency (FHFA) are known as jumbo loans or mortgages. This means neither Fannie Mae nor Freddie Mac will buy, insure, or securitize a large loan. Super-sized loans are another name for jumbo loans. To qualify for a jumbo loan, your credit score must be much higher than needed to get a standard loan. You need an excellent credit score and a very low debt-to-income ratio to get accepted. The interest rate on a jumbo mortgage is usually the same as the rate on a conventional mortgage, and down payments average between 10% and 15% of the loan amount. We help you borrow, buy and sell real estate with your bottom line as our first priority. For more informative content you can visit our social media platforms i.e. Facebook and Twitter also, Thank you!

[webuyhouseshawaii]

Prepare For A Quick Home Sale

Are you trying to sell your house in Hawaii? Read our below tips to get started.

What is Your House Worth

An important step in getting your house ready to sell is to know how to price it correctly. 

De-clutter Your Home

To appeal to more home buyers, get rid of the clutter in your house. This includes personal items like photos, awards, and knick-knacks. Buyers want to imagine themselves living in the home.

Repairs

You’ll want to repair any defects in the house that will deter buyers from making an offer. Leaks, dripping faucets, stained caulk around the shower, and worn-out flooring can turn off a buyer. 

Consider Choosing a Cash Buyer Instead

Don't even worry about getting your home ready to sell with a professional cash buyer. A professional hawaii home buyer will buy your house "as-is" with all cash and close within 7-10 days! No hassle, no stress!

[ninetimesnetwork]

Is it a Good Time To Sell a Home on Maui?

Is it a good time to sell a home on Maui?

As a professional Maui real estate agent, one of the questions I am frequently asked is whether it's a good time to sell a home on the island. In this blog post, I'll discuss the current state of the Maui real estate market and provide some insights into whether it's a good time to sell your home.

First, let's take a look at the current state of the Maui real estate market. Like many other parts of the country, Maui has experienced a strong seller's market over the past year. Demand for homes on the island has increased significantly, while inventory levels have remained low. This has led to bidding wars and multiple offers on many properties, driving up home prices.

According to data from the Realtors Association of Maui, the median sales price for a single-family home on the island was $1.1 million in January 2022, a 27% increase from the same time the previous year. The median sales price for a condominium was $605,000, a 23% increase year-over-year.

This strong seller's market is due to a combination of factors, including low interest rates, high demand from buyers seeking a change of lifestyle, and limited inventory. Many buyers are looking for a more relaxed lifestyle and are drawn to Maui's natural beauty, outdoor activities, and laid-back culture.

So, is it a good time to sell your home on Maui? The answer depends on your individual situation. If you're looking to take advantage of the current seller's market and cash in on the high demand for Maui real estate, now could be a great time to sell. With low inventory levels and high demand, there is likely to be significant interest in your property, and you may be able to receive multiple offers and sell quickly.

Another factor to consider is the potential for competition. With the current low inventory levels, there are not as many homes on the market as there are buyers looking to purchase. This means that your property may stand out in the market and receive more attention from buyers.

However, it's important to keep in mind that the real estate market is cyclical and can change quickly. While the current strong seller's market may continue for some time, there are no guarantees. If you're not in a rush to sell and can wait for a better market or a more opportune time, it may be worth holding off on listing your property.

Finally, it's essential to work with a knowledgeable and experienced Maui real estate agent who can help you navigate the current market conditions and make informed decisions about selling your home. An experienced agent can provide insight into pricing your home appropriately, staging it for sale, and marketing it effectively to attract potential buyers.

In summary, the current Maui real estate market is a strong seller's market, with high demand and low inventory levels driving up home prices. If you're considering selling your home, now could be a great time to take advantage of the current market conditions. However, it's essential to work with an experienced Maui real estate agent and carefully consider your individual situation before making a decision. Contact me today to learn more about selling your home on Maui.

Mahalo for reading our blog. We are Nine Times Network, and we intend to be your go-to Maui Real Estate Team.

Whether you are looking to buy a home or sell a home on Maui, we are here for you.

Please reach out anytime.

Adam Miller R(S)81648

808-866-6606

Real Broker, LLC

www.NineTimesNetwork.com

Ten Things to Know Before Moving to Maui

Maui Home Buying Guide

Maui Relocation Guide

Maui Home Sellers Guide

The Ultimate Moving to Hawaii Guide

Top 20 annual Home Maintenance Tasks

Your Guide to Buying a Condo on Maui

[severepeanutobservation]

11 Creative Ways to Write About we buy your house hawaii

Even in these rough economic periods, men and women are even now earning dollars. Although house values are dropping, and homes aren't advertising, there remains dollars to get designed inside the housing marketplace. When looking at methods to earn cash via housing, you need to look at buying residences in foreclosure. At the end of this short article you can master in which to go to receive more info acquiring properties in foreclosure, and also other strategies to earn money by purchasing property.

A foreclosure is a house which has been repossessed from the lender. When the homeowner is unable to make demanded payments on the home finance loan the lender has the best to take the property back. The lender, generally a lender, now owns this property and is attempting to eliminate it. Banking companies will not want to keep houses on their own publications because it is considered a foul personal debt. They are willing to provide a home down below market place value just to get rid of it.

Purchasing properties in foreclosure indicates you're employed directly Together with the financial institution to acquire the residence. There is de facto nothing at all diverse to carry out with your portion, shopping for households in foreclosure isn't any distinct then purchasing a standard household listed about the housing sector. In fact most properties in foreclosure are stated on frequent real estate Sites.

The reason a lot of buyers like getting properties in foreclosure is mainly because they are somewhat more basic. The homes are outlined as is, and there's no need to handle a seller that has emotional ties to your residence and could feel that It really is worth much more than it truly is. The financial institution is aware of the amount money is left about the property finance loan. They add to this what it Charge for them to amass the assets. At times they've to fulfill second or 3rd liens over the assets in addition to you can find fees incurred with clearing the deed and title. Here is the selling price the financial institution places within the assets. If it is a excellent offer, this value is much lessen than the market benefit. This is certainly Great news for the Trader as they can flip around and offer the house for gain or can hire it out and have a Significantly greater income margin.

Acquiring houses in foreclosure assists out the bank given that they are finding Qualities they don't want off of their books, and it can give you a chance to get a good deal on a residence. You ought to even think about obtaining homes in foreclosure Even though you approach on dwelling in the home. Your property finance loan payments are going to be reduce than the cost you'd Usually pay Visit this website out or you may get An even bigger house for the same amount of money.

Get From the Know now about real estate property investing and purchasing properties in foreclosure [http://www.real-estate-in-the-know.biz/investments/foreclosures/buying-home-in-foreclosure.html] Get details about purchasing and providing residences, distinctive home finance loan forms together with other real estate property info at Real estate property - Get Within the Know

[freehawaii]

AS SEEN WEDNESDAY ON FREE HAWAI`I TV

Tackling Hawai`i’s Affordable Housing Crisis By Targeting Non-Residents HAWAII NEWS NOW - JANUARY 18, 2023 Day one of the new Hawaii State Legislature means fresh faces and innovative ideas. One idea includes tackling Hawaii’s affordable housing crisis by going after non-residents. “The problem that we’ve seen over the pandemic was the home prices went up $400,000,” said Minority Floor Leader Sen. Brenton Awa. “There were a lot of people just paying cash, $100,000 on top of the next person’s offer, and so that’s what was driving these housing prices to go up so much,” Awa added. According to a recent state report, 25% of homes were bought by out-of-state buyers from January to September 2022 — A significant increase from previous years. The report also states more Canadians are buying more single-family homes and more people from Japan are buying more condominiums. On the flipside, in several countries — like Canada — foreigners are not allowed to purchase homes. Many people are wondering what can be done to accomplish the same goal in Hawaii. One of Maui County Mayor Richard Bissen’s campaign promises was to create more housing for locals. “To me, that’s so obvious. I mean, who else would you want to be advocating for?” Bissen said. “We should be advocating for our people who have been here for generations, who deserve to be here.” However, it’s unconstitutional to reserve homes for Hawaii residents only. “Wish the governor could just make it... boom...you gotta be born in Hawaii, or live here 20 years to buy,” Awa said. “But it’s not that simple.” Bissen said there is an obligation to do whatever they can within the law. “And if we have to change the law, then that’s something that happens all the time, every session of the legislature,” Bissen said. Senator Awa’s bill goes after the Hawaii Real Property Tax Act.

“If I buy a house, and I’m a non-resident, for $800,000, and I wanted to go sell it for a million dollars... well today I can do that, and I have to pay 7.5% of that $200,000 gain. Well, what we’re trying to do is make it 100%,” he said.

SB34 passed its first reading on Wednesday. Awa is encouraging the public to testify so they can hear everyone’s ideas. Proposal aims to tackle Hawaii’s affordable housing crisis by targeting non-residents

[fiemanrealestate]

We physically and virtually staged the unit with professional photography. We found 2 early all cash buyers who both backed out for various reasons. We stayed the course and eventually a 1031 exchange buyer came along willing to pay all cash just under asking. It takes a little more patience in this new cooled off market but eventually the right buyer will come along. Our sellers owned this unit for a very long time and now have the funds necessary to pay off their other mortgage and live comfortably for the rest of their lives. The market has shifted a bit so it takes a proactive, experienced agent to properly get your home sold for the highest possible price. #hawaiirealestate #oahurealestate #oahu #hawaii #compasshawaii #agentsofcompass #oahurealtor #hawaiirealtor #oahurealestateagent #hawaiirealestateagent #realestate #realtor #realestateagent #home #property #forsale #investment #realtorlife #househunting #dreamhome #luxury #interiordesign #newhome #luxuryrealestate #house #homesweethome #architecture #luxuryhomes #realestateinvesting #realestatelife (at Lower Nuuanu) https://www.instagram.com/p/CjUp3GuOVXP/?igshid=NGJjMDIxMWI=

[hometoursandotherstuff]

Look at this beautiful bamboo gate that’s the entrance to a treehouse in Volcano, Hawaii

How magical and Zen is this? It’s called The Moon Gate, and you walk thru it to follow the path to the house.

The path leads to these stairs to the treehouse.

It’s a 2 story treehouse and was built of recycled lumber from a church on the island of Oahu. 

On the the1st fl., a hot tub is recessed in the deck.

It only has a kitchenette, b/c it’s basically a vac. home.

The fireplace is gas, probably propane, b/c the house is off the grid and powered by a generator.

There is a large overhead door that opens to the deck.

The bamboo fence is by the entrance to the living room.

The composting toilet is huge- it’s as high as the sink.

Climb the ladder to the bedroom on the 2nd level.

The stained glass window was done by a local artist.

Another deck is on the upper level. 

The new owners had to pay cash for the property which was sold somewhere between $233,000 - $256,000 b/c there was no building permit to build it! There’s no provision made for a treehouse. The buyer will have to keep checking w/the county if he wants a permitted property, in case they allow treehouses someday. Weird situation.

Anyway, look at the property- it’s definitely a tropical paradise.

https://www.redfin.com/HI/Volcano/11-3883-4th-St-96785/home/88392654

[noladyme]

The Crown Princess of Charming - Part 1

Welcome to Charming - its name says it all. Cat needed a fresh start; and though she hadn’t planned on that being in the arms of the crown prince of this little town’s bikerclub - that was what happened. This Charming CA would either be the death of her - or a whole new life. 

This story is obviously non-canon. It will include characters from multiple seasons; some of them having never met on the show. In this universe, Tara didn’t come back from Chicago. I’ve done this to get the story I wanted.

I’ve also decided to give the protagonist a name in this story. I hope you’ll enjoy reading it.

1

“Move, you goddamn piece of shit!”. My car had stalled just a few yards before a sign that read Welcome to Charming – our name says it all. So far it hadn’t been very charming at all. Multiple cars were passing me and blaring their horns. “Do you think I just decided to park here?”, I yelled at a white Honda, with a blonde behind the wheel. She gave me the finger in response. “Shit!”.

I heard a roar of engines behind me; and a leather clad man on a motorbike pulled up next to my window. “You found a hell of a place to break down, luv’”, he said, with a Scottish drawl. “Yeah, thanks. I hadn’t noticed”, I sneered. “Pardon me, I was just stating facts”, he smirked. I frowned. “Sorry. I’ve just had a long ass drive”, I mumbled. “Mind if we take a look at it?”, he asked. I gestured for him to go ahead; and stepped out of the tired, beat up car; that had been my home for the last 4 days – driving from Chicago, to my new home in the town I’d chosen by its name alone. Charming.

I needed something charming at this point in my life – the last few years having been chaos – so I’d thrown everything to the wind; and had basically run away from the city, when I’d applied for, and been offered a job at Charming Middle School.

Behind my car, two more mc’s were parked – one of them a tall bearded man who sent me a friendly smile; and the other a blonde, lean guy, wearing a white t-shirt and white sneakers. Interesting choice for riding a motorcycle, I thought. All three men had the same patch on their backs – a skull-headed reaper. The writing said Sons of Anarchy – California.

The scot had opened my hood, and was looking into the steaming entrails of my car. He let out a long whistle. “When was the last time you checked our oil, luv’?”. I decided to ignore his choice of nickname for me. “I have no idea. I just bought it a week ago; haven’t really done anything but drive it”. He smiled and shook his head. “Jackie!”, he called. The blonde man looked up; and took of his sunglasses – revealing a pair of piercing baby blues. “We’re gonna need the tow-truck”.

The blonde got off his bike, and joined the scot at the front of the car. “Shit”. He drew out the word, ending it with a full-on laugh. “Darlin’, you’ve killed it”. I sighed. “Great…”. “Were you going far?”, he asked. “Charming was my destination; but I didn’t even make it past the sign”. I ran my hand through my hair. “Shit!”.

Blonde guy called out to the bearded biker. “Ope! Call TM. Get Rat out here with the tow”. “We can’t leave her here, on the side of the road”, the third man answered. Blondie chewed his lip. “You up for a ride?”, he asked me. I was caught off guard. “What?”, I asked. “We’ll get your car back to our shop. You can wait there for it; and figure out your next step”. I shrugged. “Yeah, why the hell not”.

Blondie walked up to me and stuck out his hand. “I’m Jackson. Scottie here is Chibs; and the kind man calling a tow-truck for you, is Opie”. I took his hand and shook it. His grab on mine was firm, but gentle. “I’m Cat”, I said cautiously. He smiled brightly at me; a glint to his eyes that made me blush slightly. “Welcome to Charming”, he said. “Now, come on”.

He handed me his own helmet; and got on his bike; patting the seat behind him. I grabbed my purse from the front seat; leaving my keys on the left front wheel. Welcome to Charming, indeed, I thought, and got on Jacksons bike with him, looking for something to grab on to “You’re gonna have to hold on to me, Cat”, Jackson smirked. I put my hands on his waist – noticing his firm and muscular frame – and he started up the bike. The force of the engine between my legs made me jump a little; and I heard Jackson chuckle in front of me. “Don’t worry, I got you”. He revved the engine, and we rode in to town.

—

We drove into a big lot about 10 minutes later. I noticed a large amount of motorcycles; and more bikers clad in leather. They all wore the same patch as the three men I’d just met – though some said Nevada. There were two large buildings; one was an auto shop – Teller Morrow – and the other seemed to be some sort of a clubhouse.

Jackson halted his bike at the end of the line of motorcycles; seemingly a spot reserved for him. I climbed off, almost stumbling; and he grabbed my hand to steady me. “You good?”, he asked. I nodded.

A tall middle-aged woman, with an amazing rack, came out of the office of the auto shop. “Jax; Clays been looking for you”, she said. Jackson smirked, and backed his bike into his spot. “What else is new?”, he said. The woman kissed his cheek. “I’m picking up the kid in a few. You need anything at home?”. “Milk. And coffee”, Jackson answered. He looked towards me. “Ma; this is Cat. Her car stalled just by the edge of town”. The woman looked at me; her eyes enquiring, but mostly friendly. “The one Rat and Juice went out for?”. Jackson nodded.

She shook my hand. “Gemma Teller”, she said. “Cat Rose”, I smiled. “You’re the new teacher down at the middle-school”, she said – more a statement than a question. I nodded. “Yeah, I am. How’d you know?”. “Gem knows everything”, the biker named Chibs said; and kissed Gemma’s cheek. “Hi, mom”.

I chuckled. “You seem a little too young to be his mom”. “Around here, I’m everyone’s mom”, she answered. “Though my only biological kid, is the cheeky blonde you rode bitch with”. I took that as meaning Jax was her son. The cheeky blonde sent me a smile. “Gemma will take care of you from here on”, he said. “See you around, teach’”. I smiled in return; and Jackson walked towards the clubhouse.

I followed Gemma into her office. “What’s the Sons of Anarchy?”, I asked. “Sweetheart, stick around long enough, you’ll find out”, she said. “Coffee?”. “Yeah, thanks”, I smiled.

I didn’t see any of my new biker friends the rest of the day; as my car arrived not long after we did. A mohawked Latino named Juice, of all things; informed me that my cooler was shot; and I needed a completely new starter. None of this made any sense to me; as I didn’t know anything about engines – but looking at the costs of repairs needed to have the vehicle function again; I decided to sell it for scrap.

“Too bad, honey”, Gemma said. “I had one of those as a teenager”. “You wanna buy it?”, I grinned. “I wouldn’t be caught dead in it”, she answered, and lit a cigarette; offering me one. I accepted. “Juice; is Tig still selling his old chevy?”. “Yeah, he hasn’t gotten a buyer yet. I think it’s ‘cuz it smells like wet dog”. I shook my head. “I won’t be able to afford it; with or without the smell”. Gemma winked at me. “I’ll get a you a good deal; and you can make payments”. I smiled. “I’m gonna like this town”. “We all do”, she smiled back.

—

Gemma gave me a ride to the motel I was going to stay at, until I found a new place. I got my four boxes and two suitcases out of her trunk and backseat; thanking her for all her help. “It’s me who should be thanking you. The school had been looking for a good arts teacher for over a year”. “I’m taking over 6’th and 7’th grade English as well”, I said. She laughed. “Mrs. Bloom finally decided to retire, huh?”, she said. “She taught both me and Jackson”. “Wow…”, I grimaced. “I’m not that old”, she said. “That’s not…”, I began. “Just pulling your leg sweetheart”, she smiled. “See you around”. She drove off, and left me to settle in to my new temporary home.

I spent the evening scanning the newspaper for cheap rentals. Money was scarce; but I knew the motel needed to be short term – especially after noticing the thin walls inability to hide the sounds of my neighbors having kinky sex. Some woman kept screaming Yes, Daddy!; making it difficult to concentrate on my apartment-hunting .

In the evening; after ordering a pizza; I decided to take a shower. I let the water run for a bit; before stepping in – trying to ignore the metallic smell of it. Washing 4 days of roadtripping off my body; I finally felt clean enough to face my new situation.

I’d left Chicago in a hurry; leaving my furniture, and only bringing my most cherished belongings. I wanted to get as far away from the city as possible; but a ticket to Hawaii was out of the question on my teachers’ salary – and I wasn’t ready to go back to dancing at clubs. Most of my last cash had been spent on the now dead Ford; that I’d sold for scrap through TM.

Chicago wasn’t my home town; but I’d thought it was the place for me. I’d been proven wrong, when a relationship had gone wrong. Very wrong. I’d needed to get away from the guy in question; as his possessive nature throughout our relationship had ended up scaring me. Trying to get a restraining order hadn’t worked due to his own contacts within the court-system. I wanted a new life. Maybe Charming could be the base for that.

Stepping out of the shower; I wrapped myself in a towel. There was a knock on the door, and I went to open it. Outside stood Jackson; a grin the size of the county on his handsome face. “You’re not pizza…”, I said. “Not the last time I checked”, he chuckled. “You left behind some paperwork at TM”. I looked down at my lack of clothing. “I should get dressed”, I smiled. “Come on in. Sorry about the mess”. He stepped inside. “It’s fine, darlin’. You should see my place”.

I grabbed a pair of pajama bottoms, and a tank top from an open suitcase; and went into the bathroom. “Do you usually order pizza in just a towel?”, he called after me. “Only if the delivery-guy is really cute”, I called back. Shit… now you’re flirting with the biker. Good one, Cat. “I’ll have to change professions”, I heard him mutter.

I stepped back into the room, fully dressed. “What’s the paperwork?”, I asked. He handed me an envelope. “Just a signoff for the scrapping of the car”, he said. “It’s too bad. My mom had one of those back in the day”. “She told me”, I smiled. “Coffee?” He smiled. “Nah, sorry, I gotta run again”. “Too bad”, I said. Dammit! Stop, you idiot.

He chuckled. “It’s good to have some fresh blood in town. I hear you’re starting at the school. You’ll be teaching one of Opie’s kids. Ellie – sweet kid”. I signed the papers he’d handed me, and gave them back. “I’ll remember to give her good grades”, I said. “Yeah…”, he answered sadly. “She’s been through it. Her and Kenny both. Their mom died a year back”. “I’m sorry to hear that”, I answered earnestly. “Donna was a good mom. And a good old lady”, he said. “What’s that?”, I asked. “An old lady? Shit, you are new in town”, he smirked. I shrugged. “Just not used to biker lingo”, I winked. “I’ll have to get you used to it, then…”, he said with a smile. I chewed my lip, a rush of heat going through my body.

He remembered himself. “The car – the one you’re buying”, he said. “Tig will be down at the shop tomorrow night. You can pick up the keys then”. I exhaled; trying to calm down my budding crush on the gorgeous man in front of me. “Thanks. I’ll be there. 7 pm good?”. “We should be done with church by then”, he said. “Tomorrow’s not Sunday”, I answered. He chuckled. “Not that kind of church”. I narrowed my eyes playfully. “Biker lingo…”, I said. “Biker lingo”, he smirked.

We stood there for a while, both unsure what to say; before Jax broke the silence. “Tomorrow; it’s Gemma’s birthday. There’s gonna be a party at the clubhouse”, he said cautiously. “If you wanna stick around for a while…”. “Maybe”, I smiled.

“Yes Daddy! Slap that ass!”, we heard from next door. We both laughed. “If I’m not mistaken; Tig might be right next door. But it’s probably not a good time to disturb him”, Jackson said. “I’ll wait”, I agreed. “See you tomorrow?”. “I’m looking forward to it”, Jackson winked; and walked out the door; giving me a final grin; before closing it behind him.

Cat. You can’t have sex with the biker, I told myself. But the warm sensation streaming though me, told me I’d probably have a problem sticking to that, if I had the opportunity.

—

The next day I slept in; enjoying the feeling of being in an actual bed for the first time in days. I did some light shopping for groceries – the fridge in my motel room not being very big. The people I met seemed friendly enough, though a bit standoffish. I figured it was because I was new in town.

Walking back towards the motel; a group of bikers rode by – one of them being Opie. He lifted a hand in a wave at me. I noticed that the bikes were ridden almost in a procession; with a leader in front; and everyone else keeping to their assigned position in the group. It was led by a grey-haired man with a prominent jaw. He looked at me, and nodded. I nodded back.

Back in my room, I had a light lunch; and decided to figure out what the hell one wore for a birthday party at a biker club. I figured some skinny jeans and an off the shoulder, black t-shirt would have to do. Putting on my favorite necklace – a silvery hand with an eye in the middle; a Hamsa symbol – I let my hair hang lose; and put on a little makeup. Black cat eye; and red lips. It usually did the trick. You’re actually dressing up for the biker now, I smirked at myself.

I was early; so, I tracked down a coffee shop to sit and read a book. My shoulder bag usually had at least one volume in it. This week, it was American Gods, by Neil Gaiman. I was completely concentrated on my book; when suddenly Chibs and a large curly haired man stepped in to the shop. “Well, look who we have here!”, Chibs smiled. “Bobby, this is the young lady who killed her car just outside town”. I grinned. “Thanks”, I said. “I needed a reminder of my bad mechanic skills”. “I aim to serve, madam”, the scot grinned. Bobby stuck out his hand. “Welcome to town, my lady”, he said; and kissed my hand chivalrously. “Careful Bob. VP’s got his eye on this one”, Chibs said. “What’s that supposed to mean?”, I asked. “Don’t worry about it”, Bobby grinned.

I took a sip of my coffee, and shook my head. “What are you doing here?”. “Coffee run for church. It was a long night”, Chibs winked. The man behind the counter handed over some coffees to Bobby; who pulled out his wallet. “Your money’s no good here”, the barista said. Bobby nodded. “How’s your mom?”, he asked. “Much better, thanks”, the man answered and smiled. “I’ll pay you back”. “We know you’re good for it, Gary”, Chibs said. He looked at me. “See you later?”. I nodded.

The bikers left the shop; and drove off towards TM. The barista walked up to me with my check. “Welcome to town”, he said warily. “Look… Samcro; they’re a part of this town; and they do a lot of good. But they’re in to some pretty bad stuff as well. Be careful”. He didn’t wait for an answer; but just went back behind his register. I frowned, and tried to wrap my head around his words. I paid Gary, and left the shop myself.

I decided to do some light sightseeing. It was Saturday; so most of the small shops closed early; but I made my way to the middle-school that would be my new place of work the coming Monday. The trek was a bit longer than I’d anticipated; so I was glad that I had a newish car set up for me. The building wasn’t large, but I figured it was large enough for the amount of kids in the area. The look of it gave me some peace of mind. It would be an easy start, I thought. And I was looking forward to it.

—

Walking back towards TM, I stopped by a florist who was closing up. I got a nice bouquet for Gemma, and walked into the auto-shop lot. The place was bustling with people. At least 20 bikes were parked in the lot; and everywhere people were shaking hands, and grabbing wrapped presents out of their cars. The men were all clad in leather; except for a man in a sheriff’s uniform; and the women were mostly wearing miniskirts and dresses – their boobs on display as much as possible.

I didn’t recognize any faces, and felt a bit anxious, before someone grabbed my shoulder. “Hey, darlin’”, Jax was beaming at me. He leant in and kissed my cheek; his stubble and short beard scratching my chin in a delicious way. “I’m glad you made it!”. “Yeah, me too”, I smiled. He took my hand, holding it confidently. “Come on. I’ll introduce you”.

We walked in to the clubhouse. It smelled like motor oil and whiskey, and the air was heavy with smoke. It should have put me off; but I was enjoying it. It reminded me of my former profession as a  dancer, and the kind of trouble I’d gotten in to then. Jackson let go of my hand, and put his own on my lower back, leading me to the bar counter. “You remember Opie”, he said; gesturing at the tall bearded man. With his helmet off, he was now wearing a hoodie, and had a beautiful blonde on his arm. Opie shook my hand and smiled at me friendlily. “This is Lyla”, he said softly, and gestured at the woman. “Nice to meet you”, she smiled. I thought I recognized her face from somewhere, but I couldn’t make the connection. “Cat”, I smiled, and shook her hand.

Jax led me on. “Chibs and Juice, you know as well; and I’m told you already met Bobby”. The men both nodded at me. “Then there’s Happy…”. A tall menacing man sent me a warm smile. “Piney; Opies dad”; Jackson said, gesturing at an elderly man with an oxygen tank hanging from his shoulder. Jackson looked at a scrawny looking guy, and a tall heavy man standing next to him. “Those are the prospects. They don’t matter”. I scrunched my brows at him. “Trust me”, he chuckled.

We walked towards a dark-skinned, kind looking woman, holding a beautiful baby in her arms. “Hey Neeta”, Jax smiled, and took the baby from her; holding it to his chest. His face was glowing with pride. “And this is my boy. Abel”. I let the baby hold my finger, and smiled at his chubby face. “Hi, Abel”. Jacksons eyes met mine; gleaming. “Is… his mom…”, I tried – fearing the answer. “Not around”, Jax answered. “It’s better that way”, he said meaningfully. I nodded. It wasn’t the time.

Abel started fussing. Jax took a baby-blanket from a diaper-bag on a table. “Did you bring…?”, Jax said, before Neeta handed him a bottle. Jax smiled warmly in thank you. He put the bottle to Abel’s mouth. “Here you go, little dude”. He bounced the baby up and down softly. “You’re good at that”, I smiled. “My mom would have my ass, if I wasn’t”, he grinned. “Besides, he’s my little man”. I stroked a finger over the baby’s forehead. “He’s perfect”. Jax looked at me proudly. “Yeah”, he smiled.

I looked around. “Where is your mom, by the way?”. “Shit, yeah”, he said, looking at the watch on his wrist. Jackson kissed the top of Abel’s head, and handed the bottle back to Neeta. “Gemma and Clay will be here in 5”, he called into the room. “She doesn’t know why she’s here. So quiet the hell up!”. There was a rumbling of an engine outside. “Shit, they’re early!”, Bobby said. “Turn off the lights!”.

Someone hit the lights; and about ten seconds later the door opened. “Goddammit, Clay”, Gemma grumbled, as she walked in. “You promised to take me to dinner, you jerk!”.

“Surprise!”, everyone yelled; and the lights turned on again. Gemma stood, mouth agape; flanked by the grey-haired man I’d seen on the road earlier; and a black-haired man with piercing eyes, I figured was Tig. “Oh my God!”, Gemma cried out. “You assholes!”. She laughed, and began hugging the people around her. Jackson walked up to his mom; and embraced her warmly; Abel still in his arms. Gemma kissed first Jackson; and then the baby, taking him from Jax’s arms. “You guys are dicks”, she said; happy tears in her eyes. The grey-haired man – Clay – put his arm around her waist, and kissed her warmly. “Happy birthday, baby”, he said. “At least you remembered it this year”, Gemma pouted playfully at him.

She looked towards me, a sense of wonder in her eyes. I smiled, and mouthed happy birthday. She mouthed me a thank you in response; followed by a warm smile. For a second her eyes shifted from me to Jackson, and she narrowed her eyes at him; whispering something in his ear. He laughed in response, and looked at me, biting his lip. He nodded at his mom, and walked back to me.

“Do you want a drink?”, he asked. “Please”, I said, smiling nervously. “Don’t worry, babe, you’re here with me”. I laughed. “Maybe that’s why I’m worried”. He winked at me. “In that case, you should be worried. Word around the street is, I’m dangerous”. He kissed my cheek again, and put his arm around me. “Rat, get this lady a beer”. The scrawny prospect handed over a cold bottle, and I took a welcome sip of it.

Opie joined us. “You’re teaching my kid this year”, he said. “Yeah, Jackson told me”, I answered. The tall man looked a bit uncomfortable. “She’s been having some issues… It’s been messing with her schoolwork”. I smiled comfortingly. “Don’t worry, I won’t be a hard-ass”, I said. Opie smiled softly. “Thanks”, he muttered.

Jax looked at his friend. “I told Cat about Donna”, he said. Opie nodded and met my eyes. “So you get it”, he said. “I do”, I said. “Let me know if there’s anything I can do to help”. Opies expression warmed. “Thanks”, he said. “Cheers”, he said, raising his bottle at me. We clinked our beers, and both took a sip.

Opie looked meaningfully at Jax. “We got that thing, brother”, he muttered. Jackson frowned slightly, and looked at me. “I need to do some business”, he said, and put a strand of hair behind my ear. “Be back in a bit”. He walked off with Opie, leaving me to sit on a stool by the bar.

The black-haired man walked up next to me. “I hear you’re in need of a car”, he said, accepting a beer from the larger prospect. “I’m Tig”. “Cat”, I answered. “I know”, he winked at me. “It’s a piece of shit old chevy, but it’s better than the one you came to town in”. “Anything is better than that”, I laughed. He handed me a set of keys. “80 a month for a year work for you?”, he said. “That’s cheap”, I said, frowning slightly. “We take care of our own”, Tig said, and patted my shoulder. “By the way; if you get sick of the VP, let me know”, he smirked. I laughed again. “Sure, Daddy”, I grinned. “So the was you, next door”, he chuckled. I shrugged, and nodded.

Juice stepped up to stand on the other side of me. “Hey”, he said, giving me a crooked smile, and a lifted brow. Tig tapped him over the head. “Hands of, Juicy!”, he said. “Jax territory”. The young biker took a step away from me. “Sorry”, he laughed nervously. I shook my head, laughing. “This place is weird”, I said. “Welcome to town”, Tig said; and clinked his bottle to mine, taking a sip of beer. I joined him in the drink. We took a shot of whiskey together, before Tig’s attention went to a busty brunette in the corner. “Excuse me”, he muttered; and sauntered off, leaving me alone again.

I decided to look for a friendly face in the crowd, being a bit uncomfortable on my own. Jax hadn’t come back for his business yet, and I was worried he’d leave me alone all night. Lyla was standing with another woman, looking like they were gossiping about something. She caught my eye and waved me over. “How are you holding up?”, she asked. The other woman walked off; climbing on to Happy’s lap, where he was sitting on a couch. “Uhm…”, I began. “I just got in to town, and I’m already having drinks with the local biker gang. I’d say I’m a little out of my comfort zone”. She smiled friendlily at me. “You’ve already bagged the vice president. You’re doing just fine”, she said. “I haven’t bagged anyone”, I smiled. “He’s known you for 2 days, and already invited you to his mom’s birthday. I’d say you’re a bit more than some crow-eater”, Lyla responded.

I took another sip of my beer. “What’s a crow-eater?”. Lyla chuckled. “Ok, quick lowdown on the women in the club”, she began. “Most of the women in here, are what we call crow-eaters. They hang around the club, make the men feel good about themselves… you know”. “An easy lay”, I muttered. “Yeah”, Lyla smiled. “Some of us are what you’d call old ladies. We’re the ones who have locked our men down. See this…”. She showed me a tattoo of a flying crow on her shoulder. “This means no one but Opie touches me”. “Doesn’t it feel weird to be… marked, like that?”. I grimaced. “Sorry… I didn’t mean…”. “Don’t worry about it, honey. I get it”, Lyla responded. “This is just my way of showing everyone around me that I belong to Opie; but also, that Opie belongs to me”.

She smiled, and took my hand, squeezing it. “You seem nice, so I’ll let you in on a secret. This life… it’s not easy; but I wouldn’t have it any other way. I love Opie – and his kids. He takes care of me and my boy”. She looked at me meaningfully. “But if you’re unsure about whether this is your idea of a good life; you should walk away. I mean that in the nicest way. Please don’t take it as anything else”. I gave her a crooked smile. “I’ll take it a day at a time”. She nodded.

A hand grabbed mine. Jax was standing next to me. “Hey”, he said softly. “Come say hi to my mom”. I followed him over to Gemma. “Hey sweetheart”, she said. “Thanks for the flowers. They’re beautiful”. “You’re welcome”, I smiled. “This is my husband, Clay”, she said, and the man at her side shook my hand. His eyes were deep and menacing; and I was unsure whether to be afraid of him or respect him. “Welcome to town, teach’”, he said. “Thanks. It’s been good so far”. Clay nodded at me, and looked at Jax. “Did you finish that business?”. Jackson clenched his jaw. “It’s done”, he said. “I made the call”. “Good”, Clay said. “Let’s just hope it doesn’t blow back on us”.

Gemma patted his chest. “No club business on my birthday, baby”. Clay smiled at his wife, and kissed her again. “Yes, ma’am”, he muttered. Gemma looked at Jax. “Do you need me to take the baby tonight?”. Jax looked at me, and then back at his mom. “Would you?”. “You know I love taking him”, she smiled. “Make it my birthday present”. Jackson chuckled. “Shit, I’ll take back the diamond necklace then”, he said. He took my hand. “Come on, let’s find somewhere quiet”. My breath hitched, and I followed him out of the clubhouse.

We sat down by a picnic table just outside the door. Jax had brought us a pair of freshly opened beers. “You doing ok?”, he asked earnestly. “Yeah”, I smiled. “Just … a bit out of my element”. He bit his lip and looked at me enquiringly. “What element is that?”, he asked. “I dunno… I usually don’t go to mc-parties”. He chuckled, and took my hand. “I’m glad you’re here”. “You don’t even know me”, I said quietly.

He sighed. “Tell me, then”. “What do you want to know?”, I smiled nervously. “Whatever you want to share”, he shrugged. “Why?”, I asked. He looked at me with a genuine warmth. “Because I’ve been thinking about you ever since you wrapped these hands around my waist, and it sent chills down my spine”. He took my other hand, linking his fingers with mine. “Where did you come from?”.

I didn’t know how much to tell him. I was still mentally sore from my ordeal with the guy in Chicago – but his serious expression made me trust him. “Chicago”, I said. “I was a teacher there as well. It didn’t work out…”. “Why?”. I sighed. “The city can wear a girl down”, I smiled theatrically. “And there was… a guy. He didn’t know how to take no for an answer”. Jacksons jaw clenched. “What’d he do to you?”, he almost growled “At first he was fine. We had a few dates, before he suddenly proclaimed his love for me”. “You didn’t feel the same way?”, Jax asked. “No. I mean; back then, he was friendly, had a steady job… He saw himself as a catch; and I guess he was. But I just didn’t care about him like that. He was… possessive. I tried to call it off, but he acted like I’d never said anything, and continued dropping by at my school; sending me flowers; and showing up at my apartment at all hours of the day”. Jackson bit his lip. “Sorry… I guess you’re off men for a while”, he said, and met my eyes again. I smiled. “No. Just him”. “Good to know”, he muttered. “But why didn’t you get a restraining order?”.

I sighed again. “I tried… he has connections. When he didn’t like my way of handling things, he let the word spread in the school council that I had an issue with drugs”. Jax shook his head angrily. “Asshole”. “Yeah”, I agreed. “I managed to get the drug accusations of my record – but it was too late, and I was fired”. “So you came to Charming”. I nodded. “I looked at names of towns on the west coast; and Charming seemed promising”, I smiled. “There was an opening as a teacher the elementary school; so I applied – and they must have been desperate, ‘cuz they gave me the position with just a phone interview”.

He squeezed my hands again. “I’m glad you’re here”. “Me too”, I muttered.

Jax put his hand on my cheek, and stroked my temple. “So if you’re not off men… mind if I give it a shot?”. I bit my lip, trying to stifle a smile, and shook my head.

He leant in, and stroked his nose against mine. Our lips brushed each other for a second; and he kissed me. I parted my lips slightly, and the tip of his tongue met mine. He put his hand on my lower back, pulling me closer to him. He smelled like leather and some musky cologne; a warm smell that fit him perfectly – and his kiss tasted like the beer he’d been drinking, and mint chewing gum.

He exhaled deeply and pulled back a bit. “Do you want to get out of here?”, he asked softly. My body was screaming yes, but I was desperately trying to control myself. “Jax… I just moved into town. We’ve known each other for 5 minutes… I don’t think…”. “I get it”, he smiled. “I’m not expecting you to jump in to bed with me. But I do want to see you again”. “I’d like that”, I smiled.

Our lips met again. “You taste like… pancakes”, he smiled. “Is that good?”, I smiled. “It’s perfect”, he said against my lips, kissing me deeply one more time.

The door opened, and Juice stepped outside with a ginger girl. “Shit, sorry”, he smiled. “It’s fine, Juice, the table is yours. Just clean it up afterwards”, Jackson smiled. “Come on”, he said to me, pulling me with him.

“I think it’s time for me to go home”, I said softly. He looked at me with a kind smile. “You want a ride?”. I jingled the keys in my pocket. “I got a new car; remember?”. Jax groaned. “Shit; I would have loved to have these legs wrapped around me, in one way or another”. He slid a hand over my thigh; squeezing them gently.

Juice looked impatient; and Jax took my hand – leading me over to a black, classic looking Chevrolet. “Wow…”, I said. “I popped an air freshener in there for you. It had a pretty gnarly smell”, Jax chuckled. “Thanks”, I smiled, and looked at him warmly.

Getting into the car – immediately thanking Jax an extra time for the air freshener; as it was needed – I rolled down the window. “Thanks for inviting me”, I smiled at the blonde man. Jax took the hand I had resting in the window-opening, and squeezed it – winking at me. His face suddenly dropped. “Shit, Cat. I didn’t get your number…”. I grinned, and rattled of my digits, and he punched the number into a flip phone from his pocket. Who uses flip phones anymore?

Jax leant in, and planted a final soft kiss against my lips. “Bye”, he whispered, and bit his lower lip. I smiled and started up the engine. My new car purred, and I had a wide smile on my face, as I left the lot – sending a final look towards the picnic table, where Juice was face deep in the red-haired girls cleavage.

Welcome to Charming, I grinned to myself, and drove off.

—

Tag-list: (let me know if you want on it)

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[autozillahawaii]

Streamlining the Road to Ownership: Exploring Car Purchase Sites

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[wickedsrest-rp-archive]

Name: Morvern McAuliffe Species: Human (Hunter) Occupation: Game hunter and tanner; hunter-for-hire Age: 59 Years Old Played By: Mel Face Claim: Jennifer Jason Leigh

“Kiddo, I shredded my road map to this joyride a looong time ago.”

She served her revenge piping hot, ladled over rice and mixed in with potatoes and onion and mushroom just like papa used to make. Back in the day, werewolf could’ve fed half the clan. The rest of the meat was wasted. Thirty-six years, and she still wasn’t used to cooking for less than fifty plus strong.

For the most part, life had been a great ride. Sure, there had been some hard feelings on that night back in ’84 when Morvern clambered into the F150 older than she was, kin watching her from the trees with eyes shining like lampades hidden in the dark. Truth was, they had driven her mad. A hundred and seventy-five years and no Galford, Littlethunder, Van der Meer, Iskier, and certainly not any McAuliffe had ever set one foot further than the foothills and tributary rivers of the West Virginia-Kentucky-Virginia Appalachian communities they called home. No home but they mountains, they’d always say. No sense of adventure! Just a promise you’re going to be dead by the time you’re thirty, screaming and crying for your father to put you out of your misery in the dirt that nurtured you. That really harshed her mellow, killed her vibe. So she bounced. Bailed. No regrets, no looking back.

And boy, America’s a grand old place.

She never did find a Wampus Cat in East Tennessee, but she did find mermaids in Miami and shriken near Shreveport. Kereshag in Kansas City, lubber fiends in Laramie. She packed everything she needed into the back of a sunflower yellow Kombi van, networking with hunters everywhere she went to treat the whole country like their safari ground. Picked herself up a husband, too. Married in a Vegas chapel, Elvis officiated. Morvern + Clyde. A couple of kids, Kathleen and Beau. By the time they’re ten years old, daddy Clyde’s long gone. That’s just the way it is, she tells them, just like her mother told her.

In the end, Beau took after her more than Katie ever did. He was twenty-one when he told them he was through. Bounced. Bailed. No regrets, no looking back. He calls occasionally, but never gave his own address. Once four, now two. Even mountain odds were never as bad as that.

They made it to every state except Hawaii by the time Katie married and settled down in New Hampshire. It was the first hunt she’d gone on since before she’d given birth. She couldn’t wait for Morvern to make it up from Georgia, and when she died screaming and crying for her mother she wasn’t there and her blood drained into dirt that never even knew her, much less nurtured her. It’s not an easy thing to live with, the face of the child you once nursed proudly in your arms seared forever in your nightmares with her face torn off, eyeball hanging by a tendon. But that’s life, isn’t it? Sometimes you beat the odds, the first McAuliffe in a century in a half to nearly scrape sixty, and sometimes a werewolf decides your daughter, your first-born child is gonna be pack chow.

But two could play at that game.

It took five years to hunt him. Five hellish years of a phantom haunting your every waking thought, and then when you finally track them down in White Crest, Maine and kill them stone dead after they try and beg and plead and tell you how they’ve changed, they take it upon themselves to Haunt you haunt you this time around. Even when he was fresh, he tasted spoilt and she told the pieces of him floating in their own juices as much. Maybe that’s what made him so pissed that he felt the need to move in. Problem is, he knows a medium when he sees one. Exorcists, too. Even ghosts can make themselves scarce when inclined. The mediums shrug their shoulders, the exorcists do, too.

Maybe it’s true about hunters, they think as they head out the door. They all go mad in the end.

Character Facts:

Personality: Crafty, good-humoured, observant, secretive, gracious, stubborn, loose morals, independent, bitter

Lives deep in the woods by Candleton Cemetery in a ramshackle, formerly off-grid cabin that was only introduced to electricity and WIFI after Morvern became acquainted with online poker and Farmville. In the latter, she has now achieved the rank of Bastillion of the Barn. Recently picked up Animal Crossing. And DOOM.

Ardent old-school conspiracy theorist and is vehemently anti-government and anti-authority. True believer in an agrarian society governed by The People. WCPD can definitely stay off her lawn (not that she has one). The Freemasons are an ancient order of vampires, people!

Sells her leathers out to buyers all around New England. Mostly, they’re made from deerskin and cowhide, but occasionally more… exotic skins find their way to a select picking of vendors. As for her meat, it’s bought under the table by private buyers and unscrupulous restaurants around town. Accepts cash only in all her business ventures. Never reports taxes.

Is able to get along with most species nowadays on a case by case basis if they’re not total squares. Werewolves, however, are totally exempt from this. Not much of an undead fan either, but met a vampire who followed the Grateful Dead once, so maybe they’re not all bad.

Grows weed and psilocybin mushrooms in her vegetable patch. Mind you don’t mix up your cup of tea with hers. Or do. Be wild!

Like most of the friends and family she grew up with, Morvern was never born with a hunter specialty due to the historically insular nature of her community who were constantly coming to blows with all sorts of mountain creatures. They believed in strength in numbers and rarely hunted alone, and as such she connects herself with the hunter community in White Crest and beyond.

Jill of all trades, master of none. Favours ranged weaponry (expert marksmanship) and traps; not a fan of solo melee and hand to hand combat. Strong knowledge of non-humanoid regional monsters and favours hunting these types; will rarely accept a job to hunt humanoid or intelligent monsters alone. Knows which ones you can eat, and what parts to cut out. Make sure you avoid those salamander spleens!

Has two dogs. Atreides, a Golden Retriever, and a Maltese. His name is Richard.

[exitrealtycentral]

Meet Marie Priola, REALTOR®

Aloha! I am Marie L. Priola, dedicated REALTOR®, real estate investor, military wife, and mother. She has a Bachelor’s of Science degree from Chaminade University of Honolulu, Hawaii with some courses in business, marketing, and entrepreneur. Being a member of HRRA (Hampton Roads REALTOR® Association) this holds her to a higher standard of education, training, and a code of ethics. She is also a member of PREIA (VA Peninsula Real Estate Investors Association) since 2014 that introduces her to many investors, cash buyers, and vendors in the area to help sell your distressed property for cash NOW! She has a loving husband that is a service member in the United States Navy so she understand having to move from one state to another with little to no notice, so she is perfect agent to help put your home on the market, up for rent, or help you find a home to buy for you and your family. She stays involved with the community by attending local events, military events, festivals, etc. She also has over 10 years of customer service experience, years of real estate investing knowledge, college education and training. I have an amazing international company with EXIT Realty Central that donates to Habitat For Humanity International with a portion of each transaction, we work as a team to provide the best service for your needs, we have a marketing team with over 25 years of experience plus many awards for top producers, sales agents of the year, Outstanding Service, and many more.

Originally from the beautiful beaches of Hawaii Marie L. Priola has lived most of the time between Hawaii and California, and moved to Hampton Roads area where she fell in love with how family oriented it is here, with great military support systems, and the beauty of the area “especially during the fall!” She keeps herself busy by continuing her education and training in both real estate investing, marketing, and networking in local social events. Marie enjoys indoor and outdoor activities with her family such as camping, going to local events and festivals, rock climbing, indoor skydiving, scuba diving, visiting the local museums, spending summers on the beach, hiking, and traveling to new and exciting places. When she’s not working with clients she makes time for her daughter that is an active daisy girl scout, soccer player, cheerleader, gymnast, swimmer, t-ball player, and which ever new sport or activity she decides to try next! She is active with Fleet and Family events and assisting in their mentor programs and helping military spouses with potential careers in real estate.

EXIT Realty Central

Marie is ready to assist in finding you your dream home or sell your home so you can start your next adventure. She works all over Hampton Roads area (Poquoson, Yorktown, Hampton, Newport News, Williamsburg, Seaford, Norfolk, Virginia Beach, Chesapeake, Portsmouth, and Suffolk). Feel free to call, text, or email her at:

Email: marielpriola@gmail.com

Website: https://mariepriola.exitcentralhr.com

FB: https://www.facebook.com/marielpriola/

Cell Phone: 757-912-3372

[kotstarusa]

Building Business With Free Online Classified Ads

One time sellers and long term sellers can cash in on the advantages of free online classifieds. Despite the service is given to you free of cost, free online classifieds ad websites offer great service in helping you sell your products.

Free online classifieds websites generally are of two kinds - some have an option for upgrading your free classified ad to a paid one and for others it is completely free. Completely free online classifieds ads websites find revenue by attracting advertisers who like to include text links or banners pointing to their websites.

Either way, one can get online classifieds ad placing for free. Good free classifieds ads websites have some moderation to filter the ads that appear in the website. This is to avoid such items like illegal to trade items from showing up in the classifieds ads listings.

The completely free for all, no moderation websites offer little value to either visitors or advertisers as the whole site will be spawned with thousands of advertisements that have no real value to the visitors.

Businesses looking to build their business with online free classified ads should take necessary care to avoid such websites that are open for all and no moderation. The only thing will be lose of time.

Online classifieds ads free websites that offer to place free classified ads should have human filtering system. Sites that don't maintain its integrity this way will not easily be recognized as good websites, even though they offer the service free of cost.

Online classifieds ads websites that allow you to place classifieds ads do collect your email address and use the email address to sell you products, software and other schemes for advertising your products.

This is actually a downside of free classifieds ads websites. They first attract you with a genuine offer by giving you an option to post your classified ads for free. Then they will also send you emails, telling you about further great opportunities to post your ad for a fee.

Many people who actually use free classifieds ads websites signup for a new @yahoo.com or @gmail.com account for the sole purpose of managing free classifieds ads accounts.

You can get maximum mileage out of your free online classifieds ads if you apply the basics of classifieds ads writing. Think what your prospective customers will be looking for while they read classifieds ads put by you. Draft your free classifieds ads in such a way to appeal to that requirement.

In simpler words, imagine yourself as a buyer of that specific product and imagine you are looking for that product. What product description will attract you the most? Which product description will be believable to you? And what ads will be able to sell you the product. Make sure to apply the answers of those questions in your ad.

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[kittyramblesalot]

Everything A Real Estate Agent Doesn't Want You To Know, A Year In Review 2006

Through 2006 I have written a number of articles known as the "Everything A Real Estate Agent Doesn't Want You To Know" series which has long been a consumer oriented series of information to help home purchasers and sellers protect themselves when conducting a real residence transaction. These articles are a natural extension of courses I have written known as "Everything A Real Estate Agent Doesn't Want Your house Buyer To Know" and "Everything A Real Estate Agent Doesn't Really want A Home Seller To Know". The first book written through 1990 was called "Everything A Real Estate Agent Doesn't Want You to definitely Know" and it had a fair degree of national success, extra than I thought it would, when I introduced it towards the media during 1991/92. We sold the book in each state in the U. S. including Alaska, Hawaii and since far as Pakistan and Japan. This was not a damaging performance for a self-published under-funded author. I wrote the book because I was a licensed real estate agent in the talk about of Ohio and, more importantly, I was a readily available mortgage banker for a few years and I saw a large number of home buyers and sellers experience financial damage as a result of dealing with inexperienced and unethical real estate agents. Many of the agents happen to be either totally incompetent or so self interested that they would certainly mislead buyers and sellers, anything to get them to indication a purchase offer or a listing contract. Many of these family home buyers and sellers who were cut through the neck and also didn't even realize they were bleeding because they lacked understanding and insight into how the real estate game is competed. These books have always caused friction between real estate agents and myself because many agents resent the heading of the books and the ill conceived premise that the position is that all agents are bad crooked people today, which is false. In fact , whenever I did a media gig I always made it a point to clarify this is NOT a baby blanket indictment against real estate agents. There are good, honest, knowledgeable, full time mum real estate agents in the business who are highly professional. The problem is they are the particular minority and not the majority. The major problem with the real estate market place as a whole is the ease with which a person can get a realty license. While the educational requirements vary from state to state, normally, anybody can get a license to sell real estate in about 90 days. This just doesn't make sense to me. Consider that many realtors are little old women who operate part-time, do not have business or selling background, go to school for 33 or 90 days and are licensed to represent home owners in property transactions from around $50, 000. 00 and up. I mean, a lawyer has to go to school for more effective years to get a license to write a fifty-dollar will or perhaps represent somebody in a petty traffic accident. But silly-sally can go to school for 30 days and list the $250, 000 house for sale? That does not compute in my thought process. What kind of representation will a seller get from a in someones spare time agent with one toe in the tub? And the full-time pros know what I am talking about. I have had many close interactions with agents while I was in the business and the the important point is that part timers are often the weakest relationship in getting a deal done, unavailable for showings, etc . The bottom line, part time agents give part time results if you are a buyer, seller or a full time agent attempting make a living. And the truth is that most people, especially first time residential buyers and sellers don't know what is going on... not really. How you find an agent to sell a home, the nature of contract law as well as negotiable elements of listing contracts, purchase contracts, etc . will be way beyond most first time buyers and sellers. The actual result is that sellers sign stupid long-term listing agreements with the wrong agents and the wrong companies and individuals pay way more for property then they would if they received more insight into the workings of real estate transactions including commissioned real estate sales agents. I didn't originate the problem, I identified the problems and the solutions for home buyers plus sellers. CAVEAT EMPTOR is legal jargon which means "buyer beware" and it means what it says. Whether you happen to be a home seller or home buyer, you better determine what you are doing when you are making decisions and signing contracts for the reason that, it is your duty to know and ignorance is no alibi under the law. If you do a stupid real estate deal, it will be your fault. Which is a shame because buying or selling a home is actually a BIG business decision. It is a business transaction composed of individuals, emotions, contracts and cash and those are all the compounds for legal and financial pain if you don't know what what you are doing, and most people don't. And how are people likely to get access to this information that will protect their legal and personal interests before they buy or sell a home in any case? THE POWER OF THE NAR OVER GOVERNMENT AND MEDIA The things many people don't know is the National Association of Realtors Ò (NAR) is one of America's largest special interest categories who have incredible lobbying power over our politicians to put in writing real estate laws that benefit the real estate industry, not even consumers. Thus, the caveat emptor clause... state as well as federal real estate laws are written in the interests of this local real estate company and not you. Something else people are un-aware of is the tremendous advertising influence the NAR seems to have over print and electronic media to manipulate the news you will read, hear and see because of their advertising dollar power. There may be an article written by Elizabeth Lesley of the Washington Journalism critique called Demand Happy News And Often Get It and it exposes the corruption and manipulation of the news consumers trust in to make decisions about buying or selling a home. I strongly encourage everyone to read this article. Real estate is like the stock market utilizing some ways. When you hear of a fad like "flipping" you may be probably at the tail end of that gimmick bubble, kind of like the dot. com days... everybody jumped in as they quite simply thought it was hot and it was really the end of the us dot. com bubble. A lot of people have gotten caught with their dirt bike pants down on the flipping angle. Home foreclosures are " up " across the U. S. because real estate agents and the lenders what person cater to them (the real estate industry has tremendous determine over the lending industry because the are the source of so many place loans) have qualified otherwise unqualified borrowers, by positioning them in gimmick loans. In the mad dash for you to milk the market, people have been steered in to interest primarily loans, negative amortization loans or attractive teaser borrowing products like low interest adjustable rate mortgage (ARM) and other mindless financing that is NOT in the best interest of the buyer. Consumers many of the foreclosures are happening. Naïve and gullible individuals were sold a bill of goods based on unrealistic place values. The market got hyped and the agents and providers were right there to exploit buyers and sellers. Does some people make money? Sure. But many people have found themselves with wall with too much "house", too big a payment along with a housing market that looks pretty bleak for a while... All you will need is one ripple in our fragile economy to turn the estate market into a landslide. Here's a news flash: Typically the economy is on shaky ground. The economy has long been kept strong by housing sales and corporate profit margins and both are an illusion. The real measure of typically the economy is durable goods, like automotive sales, which you'll find in the tank causing massive restructuring and layoffs. Individuals can't afford to buy cars because they are scraping the enameled off their teeth trying to make house payments... So , whoever you are, and you read my real estate articles, take into account the reason I have done what I have done, and will perform what I do, is because I am on the side of the consumer. Now i'm on the side of the person who wants to be a better, more up to date consumer. I am on the side of the person who wants to save a handful of thousand on their real estate transaction by being smart and about the more level playing field with real estate agents. And you really know what? By educating people and teaching them how to achieve deals more intelligently, how to weed out the piece timer agents from the pros and save a few dollars in the process, I am actually helping the professional full time providers. The truth is that honest agents won't have a problem with my place because it will get rid of the riff raff.

[masterthehomesellingblog-blog]

Sell Your House For Cash In Any Condition Fast

Owning a home is one great investment because you will not be paying rent. However, there comes a time you see homeowners trying to dispose off their house because they are relocating or having some financial challenges or foreclosure. In such cases, one is forced to sell the property fast. We know that no same person wants to spend millions of dollars buying a house that is in bad shape. However, some companies accept to buy your house as it is, gives a good quote and close the deal within hours.

If you are selling a house in Hawaii, you want it gone quickly and at the same time, get higher prices. However, buyers want a property that is in good condition. This makes it hard to get an offer when there are several breakdowns seen. For the seller, all they need when they want to sell is to talk t the Crowne Properties Inc. This is a company that buys houses as they are, in any condition and give a fair quote to the seller.

The  Crowne Properties Inc.is an expert in buying local houses as they are. They buy house Oahu in any condition and ensure you get a fair offer. You can log into their site and complete the form, send the information and get a quick quote which is within the market range. 

Today, any person who wants to sell their home fast will contact Crowne Properties Inc. Here, the home wiener will not worry as there are no fees and commission charged, unlike in places where a person hires a real estate company to market and find a seller. Once you agree to the quote, you get your check and close the deal a happy owner. The best thing about selling your house as-is to the home buying company is its ability to close the deal within one week. You can see page to understand how long it will take to have the deal closed.

Your house might not be in good shape, but you want to sell it fast. You will contact the home buying company to see details. The seller is required to fill the online form or make the call showing interest to sell.  The buyer will listen to the sellers need, and when everything is set, the cash offer is made within 24 hours. With this home buying firm, you can stop forelcosure, relocate to another town fast or sell the property without spending more money doing repairs. Visit this site for more information : https://www.huffpost.com/entry/five-reasons-to-sell-your_b_7798324.

[quickhousesalesguidefacts-blog]

A Guide to Choosing a Home Investor

  There comes a time in our lives where we get the need to change our houses. There are many things that bring about this need amongst them being the  desire to upgrade or if one is relocating. Whichever the need, make sure to choose the best of them all. It is for this reason that this article will seek to bring to light all the elements that we need to factor into our selection process. Adhere to them without fail and you will for sure have no regrets.

 The first thing that you need to have in mind is the credibility of the person that you are thinking of working with. This factor is essential in the sense that if they are credible, it means that you can trust them to deliver excellent services. Without trust, you will find that you keep looking behind your back hoping that you do not get played. So, if you are not sure where to start your selection process, you can always ask for referrals from other people who have sold their houses for cash and you value their counsel. With these reviews, you need to opt for one that is best reviewed and you will enjoy the transaction process.

 Secondly, you need to find out how much money they are offering for your home; before you commit, ensure that you are not selling at a loss. Therefore, consider engaging the services of a home valuer; this is a professional who will come check your house and give you the market price range and from there, you can set a price that is realistic and workable for you. If you find that the hawaii foreclosure properties buyer is pushing for a significantly lower price, do not feel compelled to settle look around for others until you find one that makes you happy.

 Lastly, you need to know the logistics that go into selling your house for cash. For starters, it is usually a shorter process owing to the fact that you do not need to get your home listed neither do you need to handle all the legal procedures by yourself. Additionally, seeing as they usually buy the house as is and later repair or renovate and put up for sale or rent, it means that you get your money sooner than you expected. Be sure to read more now!

 In summary, having all these factors in your mind makes selling you home a much simpler process which is what we all wish for. Take your time if you must and you will for sure get the best. Get more facts about real estate at http://money.cnn.com/real_estate/homes/.