#i dont even know if its frank like at all but it certainly carries the name

[narcolini]

open wounds

frank castle x gn!reader, ex dating, hurt/comfort, 2404 words

for day 6 of whumpril : salve | painkillers | bad coping mechanisms

warnings for burns, implied suicidal intentions, terrible first aid probably

a/n: yknow when you love a character so much that you dont even know where to start with writing about them?? no?? just me?? im shaking in my boots... also huge shout out to @ashlingiswriting for helping with this!!

tagging: @drabbles-mc @hausofmamadas @cositapreciosa @cositapreciosa @cositapreciosa @cositapreciosa @cositapreciosa​ (five times as requested)

He’s dripping wet. Frank, back at your door, for the first time in half a year, and dripping wet from head to toe. His jeans, his hoody, his boots—which must weigh a tonne, if they’re as full of water as the rest of him. He’s scrubbed his face dry, clearly, because the front of his hair is sticking upright, brushed up by the rough of his fingertips, and his cheeks are cleaner than the rest of him. Bare of the grime he’s covered in. If it wasn’t so obviously a bad thing—him being here, him being anything other than his usual self—you might’ve laughed. Might’ve joked about him choosing the worst church for an over-due baptism.

‘What the fuck happened?’ you scoff, bypassing all other greetings. You don’t even spare the thought to be annoyed at him, to tell him to go away, get out of here, before someone sees you. You just balk, and frown, and hang off the door as you look him over. ‘You look like you went free-diving in the river, Frank.’

He doesn’t respond, just sighs and tilts his head as if to say—

‘Oh my God.’ He did. He jumped into the fucking river. ‘That explains the stink, then.’

‘Yup.’

It’s pouring off him. Stale water, oil spill.

‘Look, I gotta ask you a favour,’ he says, awkward about it, though you’d thought as much already. ‘I wouldn’t be here if I didn’t have to be.’

And you wouldn’t let him in, either, if you didn’t have to.

‘Come in.’ The less time he spends in the corridor, the better. ‘Do I even want to know what you…’ The words fizzle out once you’re behind him, door closed and facing his back.

The material of his hoody has been singed away, not entirely, but across his shoulders and in patches down his spine, the t-shirt beneath in a similar state. He’d been set alight, somehow, long enough for it to burn all the way through. Two layers of cloth and then skin. Red, raw, skin.

‘Jesus, Frank.’

‘Had to put it out somehow,’ he shrugs, ‘seemed like the quickest option.’

‘Do you even realise how much shit is in that river?’

But he must do, of course, because he’s here. He’s not at home, self-medicating, slapping soap and water on it and hoping for the best. He’s here because he’s smart enough to realise bacteria will kill him easier and faster than any bullet would. Which isn’t usual, for most, but he has a knack for surviving no matter how many holes they put in him.

‘Bathroom, please,’ you tell him. You remember where it is.

You watch him nod in front of you, hands tucked in the sodden pockets of his hoody. He’s holding himself rigid—tense arms, straight shoulders—to hide the shakes, you realise. The wet has gotten into the bones, chilled him deep enough to send shivers through the muscles. Why he’s bothering to try and cover it, you don’t know. You’ve seen him in worse shapes.

When he reaches the bathroom, you in tow, he turns and waits. In front of you, on the curling blue bath matt beneath. It’s been a long time since you’d done him a favour. A long time, since you’d been alone with him, for reasons other than why this doesn’t work, why the two of you won’t work.

You sigh, close your eyes. He knows as well as you do what’s coming.

‘Am I in danger,’ you ask, feeling the sick twist of regime in your stomach, the edge of familiarity in the question, ‘by you being here? Is it putting me in danger?’

‘No, no, I promise.’ His head shakes. ‘No-one knows I’m here.’

‘You’re sure?’

He pauses, swallows. Nods. ‘It’s just me.’

‘And is it only the burns? Nothing else?’

‘I’d do it myself, but I,’ his teeth chatter, ‘I can’t reach.’

‘Okay.’ No surprise gunshot wounds, no broken bones. You can handle it, as long as you know what to expect. ‘I’ll do my best,’ you tell him, now you know it isn’t at your detriment, and turn to look through the cabinet above the sink.

‘Thank-you,’ he begins, which you try to wave off. ‘No, I mean it, I—I know you must hate…’ The words get away from him. A drop of water shakes from the peak of his hair onto his cheek. ‘Yeah, just, thank-you.’

You know what he’s implying. He’s as wrong about it now as he was then.

‘I don’t hate you, Frank.’

‘Well, you don’t like me much,’ he grumbles. ‘Not that I blame you.’

You don’t like his choices. You don’t like his instincts. You don’t like his susceptibility to getting himself in trouble, once a fucking week. ‘Take this off,’ you tell him, tugging at the sopping wet of his sleeve. ‘You’re shivering.’

He complies, jaw-setting as he pulls both the hoody and t-shirt over his head, no doubt having to rip the burnt-fibres from the edges of his wounds. He does well to hide it—if that’s the case—removes them without a hiss of pain, or any hesitation. The wet lump of them lands on the tiles with a slap, water splattering over your socks.

You fill the sink, making sure it’s lukewarm, cool. It’d be better to douse him with hot water, really, to stop the shivers and get rid of the smell, but the burns are more pressing. The very last thing they need is more heat.

‘Jeans and socks too. Then sit on the bath,’ you instruct before leaving the room. It isn’t for privacy’s sake, but to get your blanket from the couch and a clean towel from the closet. Get him warm, get the site disinfected, then cover it in Saran wrap and hope for the best. It isn’t as good as real, authoritative, medical treatment, but it’s better than he could manage by himself.

When you’re back, he’s done as you said again, and is sitting on the edge of the bath in just his boxers. A sorry sight, long past the invitation that it used to be. You’re sure there’s scars there that you aren’t familiar with, across his chest, below his naval, but there isn’t time to inspect them. He’s shaking still, and looking up at you like he’s sorry to occupy the space at all.

‘You ever treated burns?’ he asks, as you hand him the blanket.

‘Nothing like that,’ you admit. ‘Spin.’

He does. You put the towel on the floor beneath his back, where the drips will be, as he drapes the blanket over his lap. He isn’t shy about it now, how cold he is. He pulls the edge of the throw up to his chin, tucking his arms inside it, and gives a bigger, exaggerated shiver afterwards. Like he’s purging it, and inviting warmth to take it’s place now that it’s out.

Without the clothes, the burns look dangerous. Red and angry, almost the print of a cross over his back, with the worst of them sitting in a thick strip along his shoulder blades.

‘What even…?’ You brush a thumb by the edge of it, bending down to get a closer look; it’s not just a burn, but a scrape too, a layer of skin torn off like he’s been dragged over tarmac. ‘What happened, beyond the fire?’

You don’t mean the order of events that led to it, or the reasoning behind him shouldering fire in the first place—you’re long past caring or asking about his endeavours. Anything that ends in a list of dead bodies, people he’s killed, is none of your business. That stopped being your problem, the same time he did. But the longer you look, the less it seems like a simple, standard burn. The less you know about how to treat it.

Frank grunts, head dipped. ‘Over-estimated a jump. Slipped off a, a wall, going into the river.’

You wince. ‘Yeah, looks like you left a bit of your back attached to it.’

He puffs out through his nose. ‘That bad?’

Not by his standards, you’re sure. ‘Well. I think it’s saved you from the worst of the blistering, at least.’ The smaller scalds will, no doubt, tonight or tomorrow, but the wide abrasion across the top might have saved him from something more severe. ‘I don’t think you’re supposed to put cream on them,’ you say, ‘but I’ve got an antiseptic spray that I think will be worth the risk.’ And the pain. ‘Okay?’

‘Yeah,’ he agrees, without hesitation, ‘do what you gotta do.’

When you start at it with the water, poured slow from a mug and onto his back, he hisses. Sucks breaths in and out between the clench of his teeth, regulates the pain for your sake alone, you’re sure, and you can bare that. You can work while he does that, quiet and dedicated.

But when you move onto the spray, he swears, low and rasping, like he hates you for a moment. Like he’s angry at you, the antiseptic, the base of the bath that he thumps with his heel.

‘I’m sorry,’ you put quickly, unable to ignore it. ‘This is the worst part.’

Maybe bad enough, really, that you shouldn’t be doing it at all. In the grand scheme of things, agitated burns are better than infection, right? Better than leaving whatever germs live in the Hudson, to fester in the scrapes of his skin.

‘Keep going,’ he insists, through the clench of his jaw—so you do, grimacing each time he swears and flinches under you.

By the time it’s done, dried and wrapped, you’re both exhausted. Him more than you, that you can admit. He sits quietly on the bath now, waiting for the painkillers you’d promised. It’s the first time he hasn’t tried to convince you that he doesn’t need them.

‘Here.’ You hand him the pills, the glass of water. Watch him swallow them both, before sitting beside him, facing the opposite way. Shoulder to shoulder. ‘I think that’s about all I can do for you,’ you say, glancing at his waiting gaze.

He’s got his head turned towards you, dark eyes only inches away. You can’t match them for long. You’re looking back at the pile of wet clothes on the floor before you speak again.

‘If it shows any sign of infection, Frank.’

He puts the glass down, head shaking in the edge of your vision. ‘I’m not going to a hospital. I can’t.’ He’s dead already, he means, and waltzing into the ER would ruin the only leg-up he has.

‘Then someone who knows more than me, at least,’ you insist. ‘You can’t do any of your righteous, vigilante bullshit with sepsis, you know.’

‘I know,’ he says, and he means it. Sounds sore about it too, regretful, even. Not because of his health, but because of what it would take from him.

You let him sit with that for a moment, watching him drop the blanket from his shoulders and put his hands over the top of it instead, pooling in his lap. The shaking’s stopped now; without the wet clothes, and in the warmth of your home, it didn’t take long to scare them away. After the ordeal you put him through, he’s sweating instead. Damp across his brow.

‘Why d’you do it?’ you ask, though you’d told yourself long ago that you would stop asking him that. Stop wasting your breath on something that would never change.

‘Do what?’ He looks like he might laugh, glancing sideways at you, like he’s itching to say, you think I toasted myself on purpose? But it’s over-compensation, really. He knows what you mean.

‘Put yourself in these fucking situations, every time…’ You sigh. ‘You had a chance to get out, Frank. To start fresh.’

But why bother saying it to him? You know the answer as soon as it comes from your lips. You know what makes him do it. You know he can’t function otherwise. If bad coping mechanisms had a poster boy, he would be it. If self-hatred and self-pity was a competition, he’d win. He would lap everyone before they’d even got off the mark.

‘You’ve got to retire at some point,’ you tell him, which sounds like a plea you hadn’t aimed to give.

He scoffs, shaking his head. His thumbs toy with the edge of the blanket. ‘You know it doesn’t work like that.’

Not for him, that’s the truth, and it snowballs in your head until you say, ‘You’re gonna keep going until something kills you, aren’t you?’

He doesn’t answer, because he can’t do that either. Admitting it aloud, to himself or to you, would make it real. Undeniable.

‘Well,’ you start, bending the conversation into something liveable again, ‘you’re lucky your ex is so good at first aid.’ You shoulder him, lightly, smiling until he smiles back. Just enough.

‘Yeah,’ he breathes, ‘yeah, I am.’ He considers you for a moment, before tucking his chin and looking to his hands. ‘I didn’t think you’d be so,’ he hesitates, searching for the word.

‘Willing?’

He nods. ‘Thought I’d have to talk you into it.’

You snort, a real smile creeping onto your lips. ‘Would you have begged if I asked you to?’

‘I don’t know.’ His brows pinch together, thick and sorry-looking. ‘Would you have turned me away if I didn’t?’

‘No,’ you realise, because you had patched him up too often to let him suffer now. The blood on your hands has to have been worth something. ‘But I’d have taken an extra pass with that spray.’

He laughs weakly. ‘Yeah, that, I’d probably deserve.’

Because that’s his answer to everything, isn’t it? Every ounce of pain he endures, is nothing but a coin in the never ending debt that he owes himself. The only person that would ever expect it of him. The only one that thinks he deserves this, burns and wounds that he can’t fix for himself.

‘I think you should go,’ you say quietly, as your heart tugs in the opposite direction. ‘It’s late.’

Late, and approaching the longest time you’ve spent with him since the two of you broke up. Any longer and you might forget why.

[writtenworkshop]

Hello! May I please have a group critique for this poem? Thank you very much!

shou sugi ban

writing on paper surrounds me

little seedling might become tree

but a fiery spark here and there

or a blaze that is everywhere

instantly consumes or removes

but also paradoxical, proves

to be protector, and preserves

immortal words

@kathrrinka

_____

Our Critique

@cruxymox response:

this is a fun little poem. i had to look up the meaning of the first line, but i enjoy discovering new terms / words / language-things that i’ve not heard of before.

i’ve no suggestions for improvement - to me, it is lovely as it stands.

@renegadegirl13 response:

I liked it too. My only issue is that it’s one run on sentence and the lack of proper capitalization at the beginning.

@foreveratlas response:

A couple of apologies to make: the first being that one of our members is ill this week and wont be commenting on your piece. We wish her a speedy recovery but because of her absence, I will try to make up for it and give you more to go with. The second apology is how long it has taken me to respond compared to my colleagues. I have had some trouble with your poem, and though I am happy they enjoyed the piece, I struggled with it. I actually had to consult a friend to make sure my points were valid. My third apology is that this will probably be my longest critique to date.

So first, let’s talk about what you’re doing great here with: you invoke some great imagery here, for starters. You’ve put attention to detail in a short space and that makes it a lovely piece on its own.

That being said, not to be mean, but your poem is suffering. You’ve put an emphasis on rhyme, which is totally fine (see what I did there?); but your poem lacks a consistent meter throughout. It’s hard to find the rhythm you want to convey when I am slowing down because your words aren’t quite matching the flow. Also, the rhyme of here and there / … everywhere is very, very predictable. To be frank, I’m not sure if you’re rhyming just for rhymes sake rather than for the poem itself.

You’ve used not one but two oxymorons. Little seedling. Fiery spark. It’s unnecessary. Not only is it unnecessary, but it’s also a clichè and clumsy. Avoid those at all costs with poetry. You want less is more here, definitely, but you don’t want it to feel too simple, either.

Paradoxical serves no purpose in this poem whatsoever. I can follow the piece, but the moment I come to that third line, I just stop. I focus on that one word. Compared to every other word in the poem, it’s too heavy and it doesn’t fit with any thing that you’re saying. Irony/Ironic feels more appropriate because of the definition. It’s irony that wood burning creates art. It is not a paradox. Paradox means self contradiction or absurdity and this is not that. There is art in destruction. It doesn’t fit or work and ruins what flow you do have going, and compared to the language throughout, it’s too advanced. It just kind of feels like you wanted to use a big word even if out of context.

There needs to be more in regards to the metaphor of wood burning as writing too, as I dont see the connection. To be frank, nothing really pulls me in and gives me any emotional clarity as well. You have one idea of you in this poem and that’s it. You jump right into the metaphor and I don’t understand the effort behind your writing or why I should care.

Read Ezra Pound or even Robert Frost if you prefer to keep this as a rhyme. Focus on the concept of less is more; you have that idea in place, but your word choice is pulling this down. Less is more.

I have read through some of your other stuff on your blog and I honestly think you’re an amazing writer. This piece confuses me as it does not feel like it’s you writing it. Like, maybe this is an old, old work. You’re a capable writer with a strong sense of self and emotion. Incorporate that into this and revise. Revise, revise, revise.

@reinventing-wednesday response:

I like the art form written about in the poem. It’s something I hadn’t heard of before, so it gave me the opportunity to learn something new.

I agree with @foreveratlas. Especially the part about not being emotionally drawn to this piece. The concept itself is a beautiful one, and I think writing it more simply would put emphasis on the emotion/situation/concept you are wanting to portray. 

The rhyming made it difficult for me to connect to this piece. The words chosen are predictable to the point where I could finish the thought before reading the next line. That predictability carried through the poem itself because of the rhymes. The meter is also off because of the line breaks and rhymes used. I would nix them completely or use near rhymes instead.

Consider removing or revising ‘little seedling’, ‘fiery’, and ‘paradoxical’ as @foreveratlas said.

The idea of burning wood is a great one, but I was disappointed it wasn’t explored more in this piece. The title itself indicates what the poem will be about, but the content doesn’t expand on that idea. There’s very little relation between the title and the body of this piece. Please, please, include more on that. It’s a stunning idea, and having read your other writing, I know you are more than capable of it. You’ve been blessed with a gift, so show that gift off, because you most certainly have it. 

[cjostrander]

Nine Inch Nails: Bad Witch

Hello everyone! I’ve ben facing some technical issues with my laptop which has been preventing me from putting out reviews last month. Since then i’ve been able to still get my hands on a bunch of newer albums and really need to start scratching a couple of them off of my list. This album is the final of what was supposed to be a trilogy of eps from Nine Inch Nails. From what i read the only reason that they decided to instead turn this into a full album was due to how thrown aside eps tend to be on promotion sites. He definitely isn’t wrong in that regard since they dont usually hold the same excitement on a listener as an album does when discovered. This one from what i have heard is going to be a very unique one in the band’s catalog. Trent Reznor actually has a second official band-mate in his group by the name of Atticus Ross. Musically it does have familiar Nine Inch Nails elements but seems to make the effort to display similarities to other artists that were in his field or admired. You will notice heavy comparisons to David Bowie’s final album “Blackstar” (i reviewed) and Radiohead. The David Bowie similarity was intentional due to his admiration of the late singer and previous work with him in the 90′s. Bare in mind also that due to its initial intention to be an ep; this is the shortest NIN album with only 6 songs and roughly a half hour of runtime. Knowing how full the band’s albums can feel at times; this may not be a bad thing but time will tell.

Shit Mirror: This opening track starts off with some aggressive loops or guitars; never sure which is which with this band lol. It warms itself with its initial rhythm and Trent infuses himself into the mix with a much rougher and muffled vocal style than usual and seems to give a very cluttered feeling on the song. The drums and interesting brass elements certainly will provide the listener with quite a bit of activity to focus on. The song does well in the notion that it establishes a nice party atmosphere for somebody to play in the background. Because of this it won’t capture heavy emphasis from the listener when focused directly on. I still find it to be an interesting opener for this album/ep experiment and hopefully leaves the listener with enough of an impression to carry further on into the album. 7/10

Ahead of Ourselves: Now this song begins with electronic drum loops and immediately screams 90′s era David Bowie. The reviews that i have read have referenced Bowie’s album Outside in particular but i personally feel this initial opening is more in tune to Bowie’s follow work Earthing (which i reviewed). This open seems energetic but pretty simple and Trent centers himself in the back of the mix to further build the electronic rhythm of the song. Brass makes an interesting return to this song but the strongest attention grabber is the aggressive drum bashing combined with harsh screams from Trent. This segment will bring fond memories of Trent’s aggressively gloomy style from his 90′s heyday. Like the previous song it comes off as a song meant to be played in the background rather than as a front and center piece. Definitely not a bad thing but if you were to try and over analyze it; the song is going to feel like it is more empty or formulaic than you may like. If you don’t like that kind of mindset then getting into this band may not be for you yet. I would still check Downward Spiral and With Teeth first before giving it a final decision; but so far this album should be complex enough to get you thinking about his work in general. 8/10

Play the Goddamned Part: This track begins with a low bass rhythm and a rather groovy electronic loop that will make it very interesting to dance along to and enjoy a drink over. Brass fades its way in much more blatantly than on the past songs and will bring further David Bowie elements into the album. This brass component is a very strong element in Bowie’s last album Blackstar so if you like this then make sure to check it out. This is an instrumental piece as well so you will definitely find yourself treated to a much stronger focus on complex instrumentals. I actually really like that he decided to bring brass here because his give’s then band slightly fresher sound and exposes a longtime fan to something risky and new; even if you can point out a few very blunt comparisons. 8/10

God Break Down the Door (Single): Now this is the first and probably only single for the album. Electronic loops and strong jazz drumming begins the song off on an energetic note. You almost don’t even notic that this the start of another song since this sounds like a natural progression of the last song so it gives a nice sense of unknowing fluidity to both songs. Trent experiments with a vocal style that bares elements of big band vocals (think Frank Sinatra) but is most likely another throwback to David Bowie’s style since it is very comparable to Bowie’s base vocal style. This style fits specifically for Bowie in his late 90′s era up to his death since he seemed to take on a more classical approach himself (vocally)  during this period. I definitely wouldn’t have picked it as a single for promotional purposes since nobody would think to guess that this is a Nine Inch Nails song. At the same time though; it is a good pick for single because it is just that; a song that isn’t what you’d bring to mind for Nine Inch Nails and showcases probably the biggest risk/experiment that the band takes on this album. That alone should be enough to help give this album a little extra substance to stand strong on. 8/10

I’m Not from This World: This is the second instrumental track on the album and arrives with an eerie extraterrestrial type sound. It is very soothing to the ears and will bring the listener into a rather deep state of relaxation and contemplation. It is a slow building piece so be patient since it is just under six minutes long. The next song is longer at just under 8 so the remaining tracks on the album are going to take their time to make sure you notice them. For an instrumental i really like this one since it brings forth a heavy dose of tension into the atmosphere and would be perfect for a soundtrack to a thriller film. Between the break for the ep project and the last album Hesitation Marks (i reviewed) Him and Atticus were focused on a bunch of film and tv soundtracks. I Believe this lengthy collaboration is what made Trent Reznor grow comfortable to name him as an actual member in the band since everyone before him barely was allowed input on record and were just for touring. Call it a douchebag move for Trent but it’s his project and vision so if he wanted to limit the scope that others could participate; it is entirely in his right and surely they knew what they were singing onto as well. 9/10

Over and Out: This finale piece begins with an 80′s like electronic rhythm and almost flirts with the concept of jazz qualities, Loop wise it has strong comparisons to both Nine Inch Nails’s earlier instrumentals and some of Radiohead’s work on King of Limbs and their Kid A/Amnesiac albums (i reviewed all three). Other than that this one definitely is another slow boil for the listener to focus on; though the softer chime interludes are very soothing and will leave much for the listener to contemplate over. Trent arrives vocally after the first three minutes to deliver more of his Bowie-styled vocals; which are basic but play heavy emphasis on building a deeply moving rhythm on the song. Lyrically substance will be hard to find but it gives a nice push for the instrumentals to liven up a bit. After this it fades away with a soft closing and leaves this short album feeling rather full in my opinion and completed as such. 7.5/10

Overall album rating: 7.9/10

Well this was interesting one to quickly put on and take off of my promotional list. It is short but as i said before his lengthier stuff has had the habit of being a but tiring at times due to the scope of what they have aimed for. This one certainly has that effect as well towards the end but provides to engaging listening music that is good to carry about you day to; party to; and to some small extent contemplate over. I would check it out after having acquired a firm taste for the band’s style since this album doesn’t go out of its way to try and win new fans over. It’s simply an enjoyable experiment that Trent wanted to do and in doing so put out music that he simply wanted to make; nothing more nothing less. Tomorrow i should be pounding out another album for review since i gotta keep up on my anniversary sheet since i haven’t really scratched much off of it this year. Enjoy your day everyone and i will see you next time!

[isitfake]

A list of rejections of famous authors was circulating on Tumblr awhile back and, because Is It Fake was in exams at the time, Is It Fake got really into debunking them. It has now been more than a year and Is It Fake is just gonna put it up and let this roll.

See, they’re all or almost all from Rotten Rejections, a book written with a marvelous disregard for facts, and they’ve therefore been in circulation for more than twenty-five years. Some of them are entirely true; some of them are totally fake; a lot of them appear only in Rotten Rejections but can’t otherwise be disproven. Many of the stories behind them are fantastic.

As a general note, although this was only really useful for Plath, if you enjoy this we recommend “Publication is Not Recommended: From the Knopf Archives,” which is available on Project MUSE if you’ve got access and is just… it’s wonderful. Blanche Knopf was a riot.

Okay, let’s get going!

TRUE

Sylvia Plath: There certainly isn’t enough genuine talent for us to take notice.

Not only true, but actually much worse than depicted here. Internal rejection only. The editor, having been told that this is contest-winner Sylvia Plath’s book, rereads, and is marginally nicer and 500% more patronizing: "maybe now that this book is out of her system she will use her talent more effectively next time.” Accurate text available here: http://cloudyskiesandcatharsis.tumblr.com/post/57272275430/sylvia-plath-originally-submitted-her-novel-the

Emily Dickinson: [Your poems] are quite as remarkable for defects as for beauties and are generally devoid of true poetical qualities.

True! Thomas Niles to Thomas Wentworth Higginson, June 10, 1890— the brackets are wrong, because he was addressing another possible publisher, to say that he thought it would be “unwise to perpetuate” the poems, oh my STARS.

Ernest Hemingway (on The Torrents of Spring): It would be extremely rotten taste, to say nothing of being horribly cruel, should we want to publish it.

True, and directly to Hemingway himself. To F Scott Fitzgerald he managed to get up an “I am less violently opposed to Torrents of Spring than anyone else who has read it” but to Hemingway himself, nope, full no.

William Faulkner: If the book had a plot and structure, we might suggest shortening and revisions, but it is so diffuse that I don’t think this would be of any use. My chief objection is that you don’t have any story to tell. And two years later: Good God, I can’t publish this!

True. Both are true. They are so true.

The first refers to Sartoris/Flags in the Dust, and the story is really funny and sad. Faulkner sent it to Horace Liveright (his publisher) with enormous confidence: he called it the “damdest best book you’ll look at this year” and tried to ensure at this early stage that the printer not screw up his punctuation (“he’s been punctuating my stuff to death; giving me gratis quotation marks and premiums of commas I dont need.”) He also insisted that the title was perfect and that he had designed his own dust jacket which he would send by separate cover. Anyway, bye, he was going on a hunting trip, he looked forward to Liveright’s glowing acceptance!

Liveright did not exactly… do that. Besides the quote above he also noted how much he hated Mosquitoes, Faulkner’s last book, and how disappointed he was w/this one and how much he really wanted Faulkner not to submit it anywhere else, in case he got blacklisted, because the book was so, so bad.

WHOOPS

(Thanks to "Flags in the Dust and the Birth of a Poetics” by Arthur F. Kinney for those quotes.)

The second is about Sanctuary, a book Faulkner hated and described as a “cheap idea…deliberately executed to make money.” The full rejection, according to Faulkner in his introduction to the book, was “Good God, I can’t publish this. We’d both be in jail.”

Edgar Allan Poe: Readers in this country have a decided and strong preference for works in which a single and connected story occupies the entire volume.

Not quite the exact quote, because “(especially fiction)” should appear after “works” and “entire” should be “whole”— but true. Harper & Brothers rejected Tales from the Folio Club in 1836 with this phrasing, the second of their three reasons for turning the stories down. The first was that a lot of them had been printed already, and the third was that the papers were too “learned and mystical,” like spooky bonbons.

http://www.eapoe.org/papers/psbbooks/pb19781c.htm

Poe responded to this by writing The Narrative of Arthur Gordon Pym, which he privately referred to as a “very silly book”, and which is a classic of American literature.

MIXED TRUE/FALSE

Jack London: [Your book is] forbidding and depressing.

Sort of true. This rejection is from the Atlantic on the 3rd of May, 1900, it’s about “The Law of Life”, and it was a lot nicer than this, because according to Ellery Sedgwick’s "A History of the Atlantic Monthly, 1857-1909: Yankee Humanism at High Tide”, this was a period in which the Atlantic was being very ruthless and cynical about what would run, because depressing things didn’t sell commercially.

The full quote is, “We have heartily liked the vigor of it and the breadth of treatment with which you have written it. But the subject is forbidding—in fact seems to us depressing, and so the excellent craftsmanship of it has not changed our mind."

Stephen King (on Carrie): We are not interested in science fiction which deals with negative utopias. They do not sell.

True, but not about Carrie. It’s from Donald A. Wollheim at Ace Books and it’s about the Richard Bachman book The Running Man, which King had written after Carrie got rejected basically everywhere in the world. “The book, unfortunately, was not fantastic,” he later commented, which might’ve been because he wrote it over a weekend in a “low rage and simmering despair.” Thanks to the Stephen King Companion for this one.

UNATTESTED (AND, ONE SUSPECTS, NOT REAL)

Rudyard Kipling: I’m sorry Mr. Kipling, but you just don’t know how to use the English language.

Unattested. ID’d as the publisher of the San Francisco Examiner or Call writing in 1889, or is it 1899? Yeah, probs not, and Is It Fake couldn’t find it.

That said, the Call fucking hated Kipling. For example, the San Francisco Call did write about Kipling in 1899; it castigated him for his poem “the White Man’s Burden,” saying, “the white man’s burden is to set and keep his own house in order. It is not required of him to upset the brown man’s house under pretesce of reform and then whip him into subjection whenever he revolts at the treatment.” (Among other sources, can be found here.)

Another review of “The Lesson” from 1901 opens "KIPLING'S latest poem, 'The Lesson,’ must be very gratifying to Mr. Alfred Austin, for, if it does not confirm Austin's right to the office of Poet Laureate, it at least shows that Kipling has no better right.” 

Dr. Seuss: Too different from other juveniles on the market to warrant its selling.

Unattested. But he was indeed rejected 27 times for his first book. 

The Diary of Anne Frank: The girl doesn’t, it seems to me, have a special perception or feeling which would lift that book above the ‘curiosity’ level.

Unattested. The diary was rejected by 15 publishers before publication, but Is It Fake can’t find any of them who specifically said this. Here’s one from Knopf:

In the summer of 1950, Alfred A. Knopf Inc. turned down the English-language rights to a Dutch manuscript after receiving a particularly harsh reader’s report. The work was “very dull,” the reader insisted, “a dreary record of typical family bickering, petty annoyances and adolescent emotions.” Sales would be small because the main characters were neither familiar to Americans nor especially appealing. “Even if the work had come to light five years ago, when the subject was timely,” the reader wrote, “I don’t see that there would have been a chance for it.”

Joseph Heller (on Catch–22): I haven’t really the foggiest idea about what the man is trying to say… Apparently the author intends it to be funny – possibly even satire – but it is really not funny on any intellectual level … From your long publishing experience you will know that it is less disastrous to turn down a work of genius than to turn down talented mediocrities.

Unattested. Catch-22 (or as it was called at the time, Catch-18) was rejected over and over again, but this exact language is just vapor.

On the other hand, we have some of the language of acceptance, thanks to Vanity Fair:

“I … love this crazy book and very much want to do it,” Gottlieb said. Candida Donadio was delighted by his enthusiasm. Finally, someone got it! “I thought my navel would unscrew and my ass would fall off,” she often said to describe her happiness when negotiations went well with an editor.

And this incredible rejection from Evelyn Waugh:

Dear Miss Bourne:

Thank you for sending me Catch-22. I am sorry that the book fascinates you so much. It has many passages quite unsuitable to a lady’s reading

You are mistaken in calling it a novel. It is a collection of sketches—often repetitious—totally without structure.

Much of the dialogue is funny. You may quote me as saying: “This exposure of corruption, cowardice and incivility of American officers will outrage all friends of your country (such as myself) and greatly comfort your enemies.”

George Orwell (on Animal Farm): It is impossible to sell animal stories in the USA.

Unattested. It was rejected for a lot of reasons, but most of the ones I can find histories of were basically for it being anti-USSR at a time when the Russians were war allies. One publisher was basically ordered not to run it so as not to hurt the war effort, by somebody who later turned out to be a Soviet spy, like a lot of people in wartime Britain.

If you want to read T. S. Eliot rejecting Animal Farm for being too pro-Communist (not a joke) (jazz hands), you can find that here. 

Vladimir Nabokov (on Lolita): … overwhelmingly nauseating, even to an enlightened Freudian … the whole thing is an unsure cross between hideous reality and improbable fantasy. It often becomes a wild neurotic daydream … I recommend that it be buried under a stone for a thousand years.

Unattested. Could be real and internal, but it was never given to Nabokov, because Nabokov gave us a recounting of his rejections, and this wasn’t in them.

Is It Fake’s fave bit: "Some of the reactions were very amusing: one reader suggested that the firm might consider publication if I turned my Lolita into a twelve-year-old lad and had him seduced by Humbert, a farmer, in a barn, amidst gaunt and arid surroundings, all this set forth in short, strong, realistic sentences. (He acts crazy. We all act crazy, I guess. I guess God acts crazy. Etc.)"

Richard Bach (on Jonathan Livingston Seagull): will never make it as a paperback. (Over 7.25 million copies sold)

Unattested, and Is It Fake doesn’t even have anything interesting to say about it.

H.G. Wells (on The War of the Worlds): An endless nightmare. I do not believe it would “take”…I think the verdict would be ‘Oh don’t read that horrid book’. And (on The Time Machine): It is not interesting enough for the general reader and not thorough enough for the scientific reader

Unattested. It is the personal opinion of Is It Fake that they’re both false. The Time Machine was actually commissioned as a novel, so it’s hard to see why it’d receive a rejection like that, and both stories were serialized before publication, not run in book form, so the War of the Worlds one doesn’t ring true. Fun supplemental fact--War of the Worlds was immediately pirated upon release and rerun as “Fighters from Mars,” localized to New York and Boston respectively and run with a story called “Edison’s Conquest of Mars” about how Thomas Edison took over Mars and Is It Fake is not making this up.

Herman Melville (on Moby Dick): We regret to say that our united opinion is entirely against the book as we do not think it would be at all suitable for the Juvenile Market in [England]. It is very long, rather old-fashioned…

This must be false (no one ever appears to have been under the delusion that Moby-Dick was a children’s serial, and in fact he got it printed kind of as like an art book, a 500-book edition with great critical acclaim and no sales) but since one can’t actually prove that it is, “unattested,” but Is It Fake would like to register the strongest possible objections to anyone who would bother to make up a reason for Herman Melville to be sad, dude was like high king and priest of making his own ass sad in the desert, leave him alone

If for some reason your life has been missing negative reviews of Moby-Dick you can find the full spectrum of praise to castigation here. Personal fave goes to the writer who said “There is nevertheless in it, as we have already hinted, abundant choice reading for those who can skip a page now and then, judiciously....”

PROVABLY FAKE >:(

Oscar Wilde (on Lady Windermere’s Fan): My dear sir, I have read your manuscript. Oh, my dear sir.

False. Is It Fake can’t believe even people talking about Oscar Wilde are getting the Oscar Wilde effect. It’s attributed to a bunch of people, but the oldest attribution found was to John Clayton, from Albert Chevalier’s autobiography of 1895, as

“My dear sir, I have read your play. Oh! my dear sir! Yours truly, John Clayton.”

As Albert Chevalier was a comedian & music hall performer and this is part of a collection of anecdotes, one is perhaps not super convinced this was ever real, from anyone. (There’s also a fwithout the last line: “My dear sir, I have read your play. Yours, Fred Thompson.”

Gertrude Stein spent 22 years submitting before getting a single poem accepted.

Possibly true, in that Is It Fake can’t find the date of publication of her first poem, but not substantively true, in that Three Lives ran when she was 35, so unless we’re counting whatever she submitted at 13, this is false. Stein was constantly and continually rejected though. Like just absolutely constantly, and crushingly too. This rejection letter is particularly amazing.

[flauntpage]

Carson Wentz Responds to the Philly Voice Story Labeling Him as “Selfish” and “Uncompromising”

How about this on a Monday morning?

I did not expect Carson Wentz to address the Joe Santoliquito column that turned Philadelphia upside down a few weeks ago, the story citing anonymous locker room sources that painted the Eagles quarterback as an “uncompromising” guy who was responsible for the mid-season offensive struggles.

The Birds brought in a few beat reporters recently to sit down with Carson and talk about the article. It was embargoed until Monday morning, which is why the various stories all came out at the crack of dawn on the day after the Super Bowl.

Here’s who wrote about the meeting:

Zach Berman (Philadelphia Inquirer)

Jeff McLane (Philadelphia Inquirer)

Reuben Frank (NBC Sports Philadelphia)

Dave Zangaro (NBC Sports Philadelphia)

Sheil Kapadia (The Athletic)

Tim McManus (ESPN)

I don’t know if that means all of those guys were physically there. For instance, Roob could have given his audio to Zangaro to write two stories instead of one, or vice versa. McLane was in Atlanta for the Super Bowl, so yeah, I dunno.

But Santoliquito was obviously not there, and Jimmy Kempski was not invited, though I think he should have been.  The setup was described as Wentz “speaking to a handful of reporters during an interview that lasted about 23 minutes,” according to Kapadia. It’s worth noting that Wentz was not available for an entire month before speaking to media in the Eagles locker room on the day after the Saints loss.

There are a lot of quotes from the various articles, but the overall takeaway was that Wentz disputed some of the specific things in the piece while admitting that he certainly is not perfect and has a number of flaws. He didn’t outright dismiss the story, which I found interesting.

This passage from Berman’s story jumped out to me:

“It hasn’t been the easiest last year for me on the physical level, just battling the injuries, but then just personally going through it, sitting on the sideline and then playing and then sitting on the sideline again,” Wentz said in a wide-ranging interview. “So I realize I maybe wasn’t the greatest teammate at times because I was emotionally kind of all over the place. To the outside world, I probably didn’t show it much. But internally, you’re definitely fighting some sort of emotions. … So there’s things to learn just about how to handle myself in certain situations.”

In his first public comments since that report, Wentz disputed specific examples that were cited by PhillyVoice.com and denied that he was the cause of friction on the team. However, Wentz did not refute certain characterizations from the story.

“I know who I am, first of all,” Wentz said. “I know how I carry myself, I know I’m not perfect, I know I have flaws. So I’m not going to sit here and say it was inaccurate and completely made up, I’m not going to do that. But at the end of the day, I will say our locker room is really close. If there were guys that had issues, in hindsight, I wish we could have just talked about them.

“It’s never fun to read, but to an extent, you look at it and be like, ‘Well, if someone did have this perception of me, why? What have I done wrong? What can I get better at?’ I realize I have my shortcomings. Yes, I can be selfish. I think we all have selfishness inside of us. There’s human elements to that, that I really look at and say, ‘Well, I can get better.’ I always say I can be better on the field, off the field, how I carry myself.”

Wentz did, however, directly dispute some of the specific claims made in the Santoliquito piece, after the jump.

Via The Athletic:

“The fact of bullying Mike Groh … Groh and I talked to each other that day when it came out, and I think we all know that never took place,” Wentz said. “I even go back to the year before with Frank (Reich), I know Frank has gone and said that he and I used to have these competitive arguments, but they’re healthy. That stuff happens. That’s, I think, what good football teams have, the ability to respectfully do that and be stubborn and those things. It was the same way with Groh. In my opinion, he is a very good football mind and in my opinion I feel like I have something to contribute too, so I thought we had some really healthy dialogue. To say, quote ‘bullied him’ I’d say that’s kind of disrespectful to Groh. I don’t think anyone bullies coach Groh. And then B, I think we have a great relationship and it’s just going to keep getting better. That line, I was kind of blown away with what that would have meant.

“And then the idea of running Foles’ stuff, we both see the game differently to some extent. But to say I was resistant to running his stuff and then vice versa, there’s so many things to the X’s and O’s of the game, to just say a blanket statement like that just doesn’t necessarily do it justice. We both like different concepts but overall we’re running similar stuff. And we kind of base it off of, what’s the defense giving us … it’s such a blanket statement that there’s too many intricacies to that that don’t necessarily apply.”

It’s a pretty fascinating read.

ESPN and NBC Sports Philadelphia both transcribed the entire god damn thing, so if you want to read straight through it, click this link. 

The post Carson Wentz Responds to the Philly Voice Story Labeling Him as “Selfish” and “Uncompromising” appeared first on Crossing Broad.

Carson Wentz Responds to the Philly Voice Story Labeling Him as “Selfish” and “Uncompromising” published first on https://footballhighlightseurope.tumblr.com/

[unlikelydreamlandcreation-blog]

Car accident and cost $500 to repaint the bumper ?

"Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

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

RELATED QUESTIONS: 

Should my car insurance company be forced to cover preexisting conditions?

After all, liberals want preexisting conditions be covered for health care. What's the difference? I want them to fix that dent in my front end that was there when I bought the car.""

I am 18 and car insurances are too fukcing high (UK)?

hello, my first car will be a peugeot 1007 and most of the quotes offer me 5000 pounds which is a super joke because its impossible for me to afford it and also my mom. I'll be the first one to drive in the family and we badly need a car soon because its so hard to carry a 100 kg. sack of rice for 3 miles from the shop to the train station from the train station to our house with a return ticket. plus also, my mom's been cycling to her work for almost 10 years now and she's getting old and the least i could do is drive her to work. 1.) so my question is, why is this rule or law so much biased and stereotyped against the youth? isn't it time to change our perspectives, to be quite frank the youth of today are a lot more intelligent than the previous generations. 2.) why are car insurance companies and the UK government such a dick? 3.) why aren't there any activists protesting about these prices? that's all thank you.""

Cheap car insurance companies?

i've just passed my test and own a renault clio sport 1.4 w reg all insurance quotes have been over 3000 pound does any one know where to go for cheap car insurance

Auto Body shop quote and Insurance quote?

My insurance adjuster came out and cut me a check for 1,200. The check issued is a fair price.The shop i trust gave me a quote of 1,300 which means I will only have to pay 100 out of pocket. My deductible is 500. Do i still have to pay 500 even though the check will cover most of the expenses?""

What is the best and most affordable auto insurance company?

I have a 1997 geo metro, I don't drive much everything is around me and I work out of my house, I just want basic coverage at a cheap rate.""

Insurance Q???

would my insurance rates go up if i title/register my sons car in his name

Does health insurance cover the cost of autism treatments?

And if it doesn't, should it?""

State based insurance?

Trynna find insurance that only covers a few states . I need one that covers I'm Florida?

How much is the average car insurance payment for a teenage?

I'm 16 & I know I'll be on my moms insurance since I'm not 18. would I be better off getting a 2011 or 2012 year car? I've heard it's pretty costly

Liability insurance for small pizza delivery business?

Do I need any kind of special liability insurance for a small pizza delivery business? My delivery drivers will drive their own insured cars not company owned vehicles.

A 1967 FORD MUSTANG coupe Insurance (UK only please)?

Can anyone tell me what the average insurance is for this car is. I tried car insurance sites and all they want is my info and i dont have a licence yet i just want to know what one would insure for. An estimated guess is all i am looking for. Thanks. Also does the historic tax still in use? if a car was made before i think its something like 1974. That would a helpful thing to know as well. Thanks People.

My Insurance Company Want Me To Buy My Car Back!?

I had Learners insurance out with Collingwood Learners. I had a crash and have excepted responsability. They have now inspected my car and decided it is beyond economical repair, but a garage I know can fix it for me! My Insurance company have asked that I send in my Vehicle Registration Document as well as the most recent MOT Test Certificate and also the Service History Book! They have told me they will value my car and then pay me the price they believe it to be worth, They will take the 350.00 excess from this also and then I can choose to buy my car back from them at whatever they value it to be! Is there a way around this where I wont lose my car for example refusing a payment from them or something? Please help me I'm new to this all! Thanks""

Car Insurance Question?

Here's the quick version of the story- I'm 21 and have just totaled my Altima on a rainy night, crashing into the back of a parked SUV, also totaling that. I have received a $700 bill for the ambulance, a $1200 for the radiography and, here's the kicker, a $24,000 bill for the hospital. I do not have medical insurance or medical coverage on my car insurance and will not be able to pay off the hefty hospital bill. What options do I have?""

What is The Age Limit To Use My Medical Insurance?

Hi I'm 20 years old and i want to know what is the age limit medical insurance covers? I hardly use it and now that i need it to have an eye check, I don't know if it will cover me... I reside in California. Thank You!""

Why does California suck so much?!?!?

UGH! I'm a teenager, who drives a 2001 Honda Accord, right? I've been driving for almost two years (this November) and I had my insurance set up that I pay it every 6 months and it would accumulate to $720.90. I've always paid my insurance a week or two ahead of time and my driving record is perfect thus far. But then, I get my insurance this time and now it's $777.90 dollars!!! It increased $57 out of nowhere. I called and it's because of North Carolina doing a business deal with California and California increased everything or something. I know that sounds sketchy. I have Progressive, by the way. And no, they don't offer any student discounts (I got straight A's when I was in high school and now I'm in college and I still get them) but they don't acknowledge that because California or whatever took the rights away to lend out such discounts. My question is: why does California suck so much? It isn't fair whatsoever... $1600 (almost) a year for insurance on a 2001 Honda Acoord is ridiculous. Is there any cheaper insurances out there besides Progressive?""

Do Cops get free car insurance?

As part of one of their benefits? Just curious..

How much is insurance for a 17 year old ?

im looking forward to buying a mitsubishi galant 1999-2003 but before anything i would like to know how much is the insurance , because im paying everything myself ,so it would be under my own name .""

""On Car Insurance, do additional drivers have to drive the car?""

Im trying to get quotes for car insurance. Im a new driver and buying my own car myself. By myself the quotes are quite high, around 5000. Ive added my mum as additional driver (im the main driver), that got it down to 3500. But I was wondering, what would happen IF my mum didnt actually end up using the car? She probably would...but I was wondering if it would effect my insurance if she just didnt end up using it?""

Anyone know of affordable dental insurance for western Ky? ?

i need to have dental work done, but no insurance.""

""Obamacare supporters, question for you.?""

Actually a few questions. Which magic money fairy will appear to bestow money upon those who couldn't afford insurance before the mandate to allow them to afford it after the mandate? The Obama administration has already granted enough exemptions that the whole concept is pretty well doomed. Is there another magic money fairy that will appear and make up for all the exemptions they've already given? If your old enough to remember when your state made auto insurance mandatory how many fold did your auto insurance go up in the next five years. Mine went up %350 after insurance became mandatory. In light of this how would you not expect health insurance costs to do the same. Hasn't Obama essentially created a monopoly and forced American citizens to throw their money at health insurance. Given that half or more of the cost of seeing a doc IS insurance itself. Wouldn't LESS insurance be the answer not more insurance? You go to a clinic that accepts no form of insurance and you are paying only slightly more than folks pay in co-pay. Then your done. The insured usually gets a bill for at least part of the visit that's not covered and on top of that they have their premium deducted. For most people insurance is a losing proposition. Insurance companies being for profit institutions will go out of business if they don't make a profit. As such mandatory health insurance means you will certainly pay more for health care than if you pay out of pocket. The discounts given to insurance companies do not make up for the overhead costs that insurance companies force providers to go through. Nor do they make up for the no pays and slow pays so common from insurance companies. As such one sure way to raise the cost of health care in the US is to require insurance. If you got more out of it than you put in the insurance companies would go broke. Insurance companies regularly restrict activities and or penalize people for engaging in what they consider high risk activities. Athletes are especially restricted. Having a monopoly why would they not do the same for everyone? Snowboarders, Smokers, bungee jumping, riding a motorcycle all dangerous activities already prohibited by many insurance policies. How do you propose to prevent insurance companies from becoming lawmakers using collusion which they openly engage in already to prohibit activities? Before Obamacare if you didn't like it you just did without insurance. Insurance companies have had to be conservative with what they mandate and prohibit because of that choice. With that choice gone now what? Insurance companies have regularly engaged in activities to the detriment of a patients welfare in the past. HMOs especially forced Docs not only to give patients substandard but cheaper care they have gone as far as prohibiting doctors from letting you know that you cannot receive the normal standard of care because of restrictions by your insurance. The unprecedented power handed insurance execs by Obamacare will clearly change how medicine is practiced in the US and that doesn't worry you? If everybody has insurance then insurance companies will dictate to Docs what they can and cannot do as they do if Docs participate in HMO and even some PPO programs. The idea that we MUST purchase a product, doesn't that bother you? Today it's health insurance. Tomorrow maybe it's socks. How can the Gov FORCE you to buy anything? Don't hand me the auto insurance scam. Mandatory auto insurance hasn't significantly reduced accidents, hasn't reduced losses to uninsured drivers. It has made insurance far more expensive for all. It does violate a basic principle of individual sovereignty that is supposed to be a key component of any free society. What will they make us buy next? In 20 years will gov mandated expenses consume the entire budget of the average American? How do you stop such a beast once it starts rolling? Millions of Americans will lose everything they have because of Obamacare. They will make just a little too much to be exempted or the time/effort to get an exemption will be impossible given their work schedule or they will have a valid exemption or be rejected for invalid reasons and unfairly prosecuted. Sure they might eventually get it straitened out but not before it gets them tossed in jail. Literally millions will be left homeless by this law in the first 5 years. Doesn't that bother you?""

""Can you NOT have car insurance ? ? and if you buy a car in cash , what is the tax on that ?""

okay i'm new to America and i'm planing to buy a car for about 14000 in cash , do you need to get insurance ? and is the tax on cars the same as sales tax ? , and any info about buying my first car ! would help !""

Should I drop collision from my auto insurance this renewal?

I have a ten year old Honda Civic, just over 40,000 miles, has a crack in the driver's side rear bumper that I ignore. I have an excellent driving record, no points, am the only driver, am at that age where I'm not young enough or old enough to be considered a threat, but I live in a high rate state and money is more than tight and they just shot my house insurance through the roof, even though I never put in a claim, because, get this, there is a chance that someday we may have a hurricane! Am I being pennywise and pound foolish, or am I paying for something that won't pay off even if I need it? Thank you!""

Car insurance questions - with regards to cancelling due to cheaper quote?

I have a couple of questions with regards to my car insurance. First of all, if I do a search on moneysupermarket.com/gocompare.com etc, will it record a search on my credit file? I turn 25 fairly soon, and I have a feeling my insurance should probably reduce accordingly, and want to know if it's worth my while shopping around. My current insurance policy ends in October. Also, if I do decide to shop around, and find a policy cheaper than what I'm currently paying, can I cancel my existing policy before it's due to end? I'm not sure how it works with car insurance - i.e. I know, if you wanted to cancel your phone contract early, you would be liable to pay the price for the whole contract - is it the same with car insurance? or can I just cancel it whenever I like?""

No insurance and pregnant.?

Serious answers only please. I'm currently 13 weeks pregnant without insurance. Also, I live in Pennsylvania. I have had prenatal checkups and bloodwork and stuff done, but my mother-in-law in paying out of her pocket for everything. My husband and I already applied for Medicare/Medicaid through the assistance office, but we got denied because we slightly make too much money. At my work, pregnancy is a pre-existing condition and it won't be covered on my insurance if I picked it up. The only other thing that I have done so far is apply for something at our hospital called the I-Care Fund. It only pays a % of laboratory work that you get done at the hospital such as bloodwork, etc. And they are going to pay 40% of the laboratory fees and a woman at the office said that it might cover the labor, but she's not sure. If anyone has any other advice on what I should do, please tell me. I feel really bad that my mother-in-law has to pay for everything.""

Is a 2000 Grand Prix gt sedan considered a sports car to insurance agencies?

I want to buy this Grand Prix gt sedan that's for sale but I can't afford a sports car car payment it's my first car will insurance consider it a sports car

Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

2000 Mitsubishi Eclipse RS. Need Reviews & Insurance prices?

Hi, im 16 I am thinking of buying a 2000 Mitsubishi Eclipse RS Mileage: 72,130 Transmission: AUTO $3,960 Is this car good for a teen? Is maintenance expensive? Will my insurance rate be higher than usual? Thank you.""

Are insurance premiums negotiable?

My home insurance rate goes up every year but this year it was $400 bec they said they redistribute my home and lumped it with a neighboring more expensive one. I called their main office spoke with the lady who answered the phone who wouldn't budge a dollar!! She gladly emailed a document to sign to terminate my policy. It really pist me off. Would it make a difference to call and ask to speak to the agent?

Car insurance for 17 year old?

around how much would insurance cost on a BMW M3 E46 CSL its a 3.2 litre ? i am 17 years old.

Whats the cheapest car insurance?

Whats the cheapest car insurance?

""So I am 19 years old and received my first speeding ticket, will it increase my insurance?""

I've asked this before and want to clarify. Some people told me the first ticket is a freebee and my insurance won't go up. Others have told me yes, my insurance will go up. I am in the state of California, I have Allstate insurance, and I'm on an insurance plan with my mom. I've been driving for a little over a year. Thanks everyone!""

I'm 17 years old will my insurance go up for a speeding ticket i just recieved?

i was getting away from someone tailgating me, horn blowing etc. for reasons still unsure and i was afraid if i pulled off the road, he would too, so i was in my corvette, i tapped my brakes, nothing and he gigged me so i pulled away and he turned off onto a side road and was i was clocked going 64 in a 45. if i go to traffic school will my insurance not go up much since its my first offense?""

Will my insurance go up when i get my own car?

i'm on my grandpa's insurance which makes my insurance 27 dollars a month but i do not have my own car. when i get my own car will the insurance go up and if so, how much will it go up?""

Anyone know anything about Alliance for Affordable Services ...its a health benefits program ??

I got a call about this program, and met with the representative today..everything sounds good..but I'm trying to do some research online about customer reviews and can't find ...show more""

How much adding coverage for substitute vehicle to my insurance will cost me?

I live in Mass

Is there a way to get 6 month car insurance?

I need a 6-7 month car insurance quote and was wondering if there was a way possible to do this for example could i buy a year and cancel after 6 months.. that way do i get half of my money back?

How much is good car insurance for a uk driver?

I am looking around at car insurance comparison websites, and I want to know if the quotes I'm getting back are reasonable. How much would a reasonable monthly insurance payment be for a UK driver with more than 15yrs experience? Also, how much would it be if you added a newly qualified driver as secondary driver to that. The car is a 2006 Ford Galaxy. I know it depends on the other extras etc, but I just want to get a rough idea of what would be a reasonable amount to expect for this, on average.""

""How much would it be if got allstate insurance for a new 2009 nissan altima. im 20yrs old, live with my parets?

my parents have allstate. this is my first car under my name.

Taxi insurance?.....?

Just wondering how much about the taxi INSURANCE is to be a driver. Im 21, have my own car. Normal insurance is around 240 PM (60 week). Anyone know how much extra on top of that for taxi insurance? Around 30 more ive been told?""

Do you have to have full coverage insurance on a new car?

We are going to try to get our first new car ever,and not really sure of the whole insurance process..We do keep liability insurance on our 2 cars we have now,but that alone about kills us,we pay $105 a month for 2 vehicles and 2 22 year old drivers..Everyone says its our age that causes us to have high insurance.Anyway, are we going to be required to have our own full coverage insurance on a new car if we get one? Or will the dealership help us with it or factor it in the payment? Because I don't think we could afford full coverage if its much higher..I priced it when I was 18 on a mustang and it was like $300 a month...I know crazy!!""

Kit car insurance at 17?

Watching an old top gear episode where they showed an mr2 (love em) converted into a ferrari, something like a 430, they said that his premium decreased. I called up an insurance company today, im 17, looking to buy a toyota starlet and transfer all the panels from a glanza v onto the starlet but nothing from the engine bay, so it would be classified as a kit car? but no where near as high risk as not having better performance parts or the turbo added. The end result was me spending ages on the phone and them saying they wouldnt insure me, even though it is a kit car and no performance parts, please please please... can someone with better knowledge clarify why they would decline me when it should make it cheaper!! Ty Jordan""

Temporary Car Insurance?

I want to pick up a car, i live in manchester uk and the car i am buying is in sheffield, what do i do about insurance when driving it back.""

Question about car insurance?

My parents are buying me my first car soon. My question is that I currently do not have auto insurance so if I drive off the dealership back home in my new BMW, will I get in trouble if I get caught? My brother has insurance on a different car, will it work if he drives it home? Thanks!""

Car insurance rate differences between the years question?

Okay, I'm almost going to be looking for car soon, and I'm wondering, since I'll only be a 16 year old boy, insurance will be really damn high for me, and I was curious, say you have two cars of the same model, trim, style, transmission, driving record, miles, engine wear, etc. One car is something made in the late eighties or early nineties while the other car is late nineties or early 2000s. What I basically want to know, is, which car would have a cheaper insurance premium? (approximately. I know you cant give me an exact number.)""

Average Teen Car Insurance Prices?

I'm a 16 year old female who is currently just looking around to see how much I can expect to possibly pay when I get my own car. Please don't give me answers like Add yourself to your parents insurance Or Have your parents call their agent ... My parents DON'T drive and I'm NOT burdening anyone else in my family to put me on their insurance plan. I want to be independent and see if I can do it on my own.. So back to the question. On average, how much money could someone in their teens expect to pay for car insurance?""

""Please help, how much will I be paying for car insurance?""

I am a 20 year old female. I didn't complete high school, but I will get my GED and go to school next fall. I'm getting a car this Feb when taxes come back and I'm buying no more then a good decent $3000 car. I have a child too so I heard that helps bring the insurance down a little. Because the car will be under my name, & I am the ONLY driver in this house hold so there will be only 1 person on the insurance, how much do u think I could be paying a month??? Any guess for wage? I want full coverage but if its more then 300 a month i will go half. I've had my permit to since I was 17, no accidents. Please help.""

How can I get my my insurance to pay for my nose job?

I had deviated septum surgery last Spring and now I want rhinoplasty. My nose was fairly large before my surgery now I have an even larger bump on my nose. I know that my insurance ...show more

Does production company need insurance?

One of my biggest concerns when starting a production company that would specialize in small time video making for buisnesses and there services for marketing and commercials possibly who knows would be INSURANCE would I need liability insurance or is it illegal to just not have that or is it for piece of mind.So say if my production business shoots a restaurant and there services and then shoot some motor cross business where they advertise there atvs and vehicles etc.If the answer is yes then what if I use my own stunt riders? is liability insurance a law to have? I'm in the TEXAS

On average how much is horse insurance for a 5yr old 16hh Thoroughbred Show Jumper for example?

I'm trying to calculate expanses for when I get my own horse. I will most likely be getting a Thoroughbred around 5 to 8 years of age. I will have him/her for Show Jumping purposes including competing. On average how much will insurance cost for this horse?

Teen Driving Insurance?

I am wondering how much the type of car will affect the price of car insurance for a 16 year old. Which if the following cars will the insurance cost the most? and the least? 00 BMW 323ci, 04 Mazda 3s, 2001 audi a4 1.8t, 04 acura rsx base, 04 mitsubishi eclipse gs""

Can I add my 18yo niece to my medical insurance?

She is a college student and we provide more than half of her support. I do claim her as a dependent on my taxes, but only starting this year. I know I can keep my own children on the policy through age 26 (if in college, I think), but I didn't know if I could add my niece. thanks!""

Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

How much is your car insurance?

Just wondering. Mine's coming to 700!!

Car Insurance coverage?

I was driving in a dirt parking lot at my school, I drove over some 3 foot tall weeds, I didn't see there was rocks underneath and as a result, damage to the under carriage occurred to my vehicle as follows: 1. Radiator crack 2. Transmission oil pan bent, 3. Exhaust damage total est cost $1,800 I am wondering whether or not this will be covered by insurance this happened yesterday I have not yet contacted my insurance company it occurred within 100 Yards of a paved road.""

How much does Viagra cost without insurance?

How much does Viagra cost without insurance?

""Cant get a good insurance quote, got any estimates?""

i'm a 17 year old boy in Florida with my motorcycles license (just got it), i took drivers ed, took the motorcycles safety course, never got arrested, no tickets, no law violations at all, i never drink, smoke, or do drugs, and i'm getting a 2013 Honda rebel 250. can someone PLEASE give me at least a ball park estimate on what ill be paying with insurance. i would be VERY grateful!""

Insurance question?

Well I'm under 18 and don't live with my parents. my job doesn't offer dental or health insurance. I need to go to an orthodontist to get a check up, and I may need some kind of retainer, braces etc because of jaw pains. Is there a way you can make payments without insurance? Or get some kind of plan? If I can't do anything until I'm 18 what kind of insurance should I get? thanks!""

Totally outrageous car insurance quote?

I had some issues paying my car insurance and it was cancelled. I called by ins company today to renew it. They told me they couldn't renew my policy but they have a buddy company that can give me an insurance policy. So they get all my info and they quoted me 730 dollars a month! I understand I have bad driving history and I let my insurance get cancelled, but that doesn't seem right at all, I was paying 100 dollars a month before. That doesn't even seem like a real number to charge someone for car insurance, it's more than I pay for rent!""

Does california law require insurance on motorcycles?

I know the law requires proof in financial liability in the case of accident or injury, and always requires insurance for cars, does it require ins. for motorcycles?""

Top life insurance companies in india?

Top life insurance companies in india and its performances

How to get car insurance for less than 1000 for a 17 year old male?

Living in England, the most expensive country in the world, and being the most expensive group of driver to insure, yet earning only 50 a week is too hard! I can get no help from family or anything I have to pay for it all myself. Realistically I need to find insurance for under a grand in order to be driving in less than a year's time. I would really appreciate any ways anybody knows of getting the cost this low. I have heard classic car insurance is a good way, but you have to be lucky to find a classic car which is cheap enough itself to make it worthwhile. Also pass plus seems ok but it seems not all insurance companies care about if you've done it - I mean if its only the more expensive ones that end up giving discounts anyway then its not worth it.. Thanks""

How to appeal to insurance company?

My mom had Healthnet for her insurance provider in California. We started our move to Texas in Dec 2005. Mom made her payment in January. They still had their home in California, and it wasn't sold until February. So legally she was still a California resident. At the end of January she told them that she had moving to Texas. They refused her payment saying that she wouldn't be covered in Texas. In February she had emergency surgery. Healthnet paid everything. Then in October 2006 they denied all payments. Mom was supposed to have surgery on the hernia back in California but the doctor kept post poning it. Until finally he just said he wouldn't be able to perform the surgery. That was in January 2006, after she made her paid her insurance. My mom didn't know she had any rights, so she started paying on this $40,000.00 bill. I don't feel like she should be paying this. I have been trying to figure out how to write a letter to appeal it. I just don't know how to go about it.""

How much money does car insurance go down when you turn 17?

I'm 16 years old and turning 17 in a few months. I am currently paying about $435 for insurance in a 6 month period. Will that rate decrease when I turn 17, not having any tickets or accidents?""

Can someone please explain health insurance to me?

I'm looking for individual health insurance and it is very confusing. Can someone explain what things like deductible, copay, and coinsurance mean? Also, what's the difference between a PPO, Network, Indemnity, and a HSA-qualified plan? Lastly, how do I know exactly what is covered before I apply? People have sent me things in the mail and I'm looking online and I was given a list of things covered, but then it says that this isn't everything and once I sent in my payment I will get a full list of my policy and coverages. That seems shady, and these are top companies like Aetna and Health America, so I don't think they would rip me off. Plus, how come these companies aren't offering a bundle plan, where I can get health insurance, vision, and dental all in one plan with one monthly payment?""

Need an idea of how much insurance is gonna be?

I'm 16 and am looking at purchasing a 2000 Honda Civic Si Coupe. If I buy this car, will it be considered as a sports car to the insurance? I live in central California btw. If I were to wait until I hit 18 to drive, would the insurance go down substantially? Around how much am I looking at per month?""

Heath Insurance like Car insurance?

I am sick of paying High prices for health insurance because of over-weight out of shape people who have all types of health problems! With that said, I believe health insurance should be more like Car insurance. If you are healthy and havnt been in Accidents then your insurance should be lower than people who are healthy, workout, eat right and dont smoke or do drugs. I no longer have health insurance because I cannot afford it. When I did have health insurance I never used it because I am healthy. Should people like me be paying less than others who dont care about their health?""

Who the best auto insurance that dont cost too much?

Who the best auto insurance that dont cost too much?

How does the affordable care act apply to me?

Right now, I live with my Mom and she earns about $120000 per year. I work and earn about $22000 per year.""

Can I sue someone with auto insurance?

I live in Las Vegas and I was involved in a car accident in November. There were 6 cars involved and this process is being UNUSUALLY long. It is impossible to get in contact with one of the claimants so we can not settle for our car damages. Can I sue the individuals that were held respoinsible for the auto accident?

Do I have to use my insurance check to fix my car?

someone hit my car and I received a payment from their insurance. Do I have to get my car fixed or not. It's not major damage it's just a broken light and some scratches and they wanted to charge me like a thousand.

""How many people out there would love a health care insurance exchange, where you can buy insurance on your own?""

and not have to choose a job based on benefits, and you could switch jobs without worrying about losing coverage. Why would people be against this, unless they are part of a union and do not want everyone to have great benefits like they do?""

How much would insurance be for a 2006 Mercedes Benz 230c?

How much would insurance be for a 2006 Mercedes Benz 230c?

How much did your car insurance go up when your teen began to drive?

How much did it rise? Did they get their own car or did they drive yours? Did they have a good student discount? Did they take drivers ed (and get a discount)? Are they a boy or a girl? Anything Else? Thanks... Just trying to figure out how much ours is going to go up

Looking for some cheap full coverage car insurance.?

Looking for some cheap full coverage car insurance.?

""Moved out of state, Can I still be on my parent's car insurance?""

I just graduated college and moved to California. I bought a new car in Iowa before I left and my parents cosigned the loan. We registered the car in Iowa, saying my name first or my father. Since then, they have brought the car out here. Am I able to stay on my parents insurance (Farm Bureau) even though I am no longer a resident of Iowa or their house? Also, am I required to register the vehicle in California even though he is on the loan and the current provider of insurance?""

Is it true people cannot afford health care insurance?

Is it true people cannot afford health care insurance? Or would many rather spend their money on weed, crack, strippers, whores, booze, cigarettes, gambling, body piercings, tattoos, cell phones, internet, cable, eating out, fast-food and other luxuries? People can afford health care; they chose to spend their money on other things.""

How much is Car Insurance in the US for a new driver?

Does it depend on the state? Just give me an average price. Im from the UK and my Insurance was 1700 for 1 year.

Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

How can I get a fair replacement cost by the auto insurance company when my car is totaled?

my car is being paid off by the other person's insurance company, not mine.""

Do they drug test a newborn if the mom has private insurance?

Please read the entire post before replying. I have heard many conflicting stories. Some people say that they automatically drug test newborns if the mother is on medicaid. Some ...show more

What medical insurance company should I get?

What medical insurance should I get? My employer doesn't provide medical benefits anymore. I don't want to spend alot and I live in California.

How much do you think insurance for a 16 year old?

i live in texas but i want to buy a car year 2004 and up which car would be less expensive as in insurance

Which is the cheapest & best car insurance co for skoda fabia car in India?

Which is the cheapest & best car insurance co for skoda fabia car in India?

What does this dental insurance code mean?

The code is 42560 and it's by the insurance company equitable life insurance company of Canada . So what does this dental insurance code mean? How much will they cover for the gum graft? It's only one tooth that I need to have done for 600$. It's medical not cosmetic.

Does having a nissan 350z as your first car and a new driver added gonna make the insurance go up?

their are 3 drivers in my family and the insurance is like 200 i think would the bill go way up if a new driver is driving a 350z?

Why has my car insurance gone up?

My question is about my car insurance renewal quote. I got my renewal quote from esure, last year I paid 357 with 7 years no claim discount, and with full uk licence held for just under 4 years. In whole year I haven't made any claim, same car, same address, still the new quote I got is 627. I am almost shocked. Last year also I had same problem, my renewal quote was about 40-50 pounds higher. I checked for new quote with different insurers but not getting anything cheaper than 460, still way above what I paid last year. Does anyone know why does it go up? I remember last time when I spoke to call centre guy, he told me that it depends on number of claims in your area etc. Is that true? Also somewhere I read the article that insurance companies are paying more than what they collect as a premium and they are raising premiums by up to 20% but still in my case the premium is almost double. If anyone has any knowledge on how this industry works please let me know. Any help is appreciated. Thanks""

Where can i get good health insurance?

ok im 18 and a college student i found out a few months ago im no longer covered by my former heath plan since i turned 18... i need a heath insurance that wont cost alot? any ideas?

How to fill out insurance quotes?

Ok first I'm going to explain the situation. Since I was 17 I drove with a licensed driver, and with my permit. When I was 18 I got a ticket for Under 21 drink and drive. It's a petty misdemeanor on my record, and I only got my permit suspended for 30 days. Just two days ago I got my license and passed my road test, I'm 20. I have a car picked out to buy so I've been looking into insurance quotes. However my ticket was never for a DUI and they never give me the option of what my ticket actually was. How do I go about this? Does it count? The quotes I've gotten back are 150-220 a month. Can someone help, or recommend an insurance company. I also qualify for driver's training discount, and good student discount.""

Insurance company !?????

How does someone own or idk a insurance company.. I mean I would like to own my own office with State Farm insurance how do you go by doing this

Would having a Dodge Charger raise your insurance cost?

I'm almost 17 and got my liscense a few months ago and I can get pretty much any reasonble car i want. I'm leaning on getting a used charger (not new cos im prob gonna reck it or at least mess it up). I was just wonder will it raise my insurance up just bc its a Charger? (I already know my age and new driver will be more expensive)

Who does the cheapest car insurance for 17 year old males?

I am looking to get insured on a peugeot 106 quicksilver for under 3,000 its only a 1.4 but all the company's i look at want up to 11 grand.""

Motorcycles and California ?

Ok so im almost 18. I wanna get a motorcycle when I can afford it. How much would u say I'd be looking at for good insurance and the bike. I want a decent bike but nothing to fancy because of my price range. I wanna also know the process to getting a motorcycle licence

How can I buy home insurance if I use one room for my business?

Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as not eligible for home insurance. Is this true? How do I get around that? What's the best home insurance company?

Getting Car Inspected Late - will insurance go up?

If you let your car inspection sticker in Massachusetts expire before and then you go to get the car inspected late, will the Massachusetts RMV find out that you let it lapse and then hit you with points on your license and/or increased car insurance rates? Would if your car doesn't pass inspection, will that raise your car insurance also?""

Does anyone know about how much insurance costs for a Mitsubishi Lancer?

Im 16 so if that changes anything and im from texas and the car is a 2008 Mitsubishi Lancer

Could a car insurance agent please answer my question?

I live in CA. I have Mercury insurance. I had 3 old cars on my policy which was too expensive so I sold 2 of them. I was paying $273 monthly automatically deducted from my bank on the 21st of every month. I sold the first car Jan. 29th. On Jan. 30th I took release of liability to AAA DMV and then to my insurance agent asking for the car to be removed from the policy. On February 10th I sold the second car. I took the release form to AAA DMV then straight to the agent asking for release. When I look at my policy deducting the 2 cars my insurance should be about $180 per month. They tell me it will be about $210 per month. Today rolls around, I check my bank account and they have deducted $273 from my checking. I call the 800 number for Mercury. They tell me it needed to be in by February 5th in order to make the billing deadline. Then they said they will NOT refund the money they removed from my account or prorate because under writing takes time. Is this legal??????""

Motorcycle Insurance?

I'm 19 yrs. old, and I'm going to be getting a 2008 Harley XL Sportser 883L, I'm going to be getting my license very soon, and I was wondering about insurance rates, anyone have an idea what my rate might be?""

How much does motorcycle insurance cost?

17 yr old male.... and 1st motorcycle.

Goal to live without having to have life insurance in the future?

At 50 I would like to live without having life insurance. No dependents. What financial requirements in retirement accounts and cash should I have? Plan on having no mortgage. No loans of any kind. And retirment funds in check to get me $20,000 a year from age 70 to age 100. Roth Account equal to the above amount for incidentals like cars for cash and medical bills. Children or grandchildren will be beneficiaries to these accounts. Would anyone under these circumstances need to pay for life insurance?""

""Maximums for lawsuits in California have been capped at $250,000 for many years, and insurance costs haven't?

...gone down one bit. Lawsuits are only 5% of insurance companies costs - it's been proven many times including during the 2004 Presidential debates. Why is this the only suggestion they ever have?

Question about car insurance.?

my dad has never been in a car accident or anything of the sort. 4 months ago we got a 2005 dodge ram rumble bee. i was really confident about my driving. but today i was exiting on a freeway and the car in front of me stepped on the brake real hard and i had no choice but to swerve outside the lane. i didnt hit anything else but the bottom of the front bumper kinda got wrecked and bent. i didnt hit the car in front of me or anyone else and i gained control of the truck and slowly got back on the lane. so if my dad reports it to the insurance how much will it go up?? he told me not to speak of this to anyone and he was gonna say it was him that it happened to. please help. what if i replace the bumper and dont report it? should i even report it?

What is the difference between home insurance and buildings and contents insurance?

hi. I will soon be moving into my first house with my girlfriend and its all new to me. We have been told we need a few insurances. Is there a difference between home insurance and building and contents insurance? or are they both the same thing? will they cover leaks, fire, structural damage, theft, boiler etc The house is in Newcastle UK. I would appreciate any help thank you

Should I get a new health insurance plan?

Hi there, I'm a 26 y\o male living in california. I just came off my family's kaiser health plan in April and have started paying for cobra to stay on it. As of today it's $670 a month. I know very little about buying health insurance, but I'm wondering if I can get a better deal with an individual plan. My only worry is being turned down for per-existing conditions. I have an anxiety disorder which requires medication and have had 2 eye surgeries for retinal problems. I know very little about the health insurance market other than that insurers having little compassion for the gouge they put on people. Is this a fair price? Or would it be better to look for a different insurer? Also, what is a deductible and how do they work? thanks""

Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

https://www.linkedin.com/pulse/long-term-care-insurance-anthony-peterson/"