#i went to talk to one of my senior instructors recently about the last big class i taught to become certified

[look-at-the-stars-tonight]

sorry for diary posting so much on main but this is the last one today prommy

[iwantasecretgarden]

Dear Misty,

@mercedeslackeyblog​ - please print this for her in the hospital! I want her to know we all love her and are rooting for her.

You have been one of the icons in my life for as long as I’ve been reading. Seriously. I picked up “Arrows of the Queen” when I was twelve and fell dizzyingly in love. So in love, in fact, that my father bought me the set of them leatherbound. It was one of the last things he ever bought me. They sit on my shelf with me wherever I move to (and I have moved a lot). They are the epitome of my childhood.

How do I even begin to explain what you have meant to me? I wrote you a fan letter in my teens, but I don’t think it ever reached you. Websites were less...polished then. I tried to find a copy to see what I had said, but I don’t have it anymore, so I’ll write this from scratch.

First off, for someone growing up in the 90s, sexuality was a difficult topic. My father was Catholic about it. My mother was liberal about acceptance, but not very liberal about giving us the tools to recognize it. I didn’t really accept the fact I was bi until I was 26 (last year). It was an embarrassing realization, because I had always been conditioned to already think women were interesting and cool and beautiful. But I honestly and truly believe one of the reasons I grew up being so tolerant of sexuality wasn’t my mother’s liberal attitude, but because of the fantasy I read, which didn’t use sexuality as a dramatic plot device. Your books, especially, in depicting queer relationships, poly relationships, and interracial relationships in such an ordinary light, in such a non-complaining, non special, non interesting way (as it should be!) that to me it became ordinary. I didn’t understand the big fuss when people started coming out in eighth and ninth grade. Well of course Brett could like boys. Silverfox did, and he’s one of my favorite characters, a fictional hero who I use to help combat my own anxiety and work through impossible situations. I didn’t understand why liking girls was so shocking. Keren was the impossibly cooler most perfect big sister/coach figure. I was into horse back riding until 16 (when, unfortunately, my horse died). Keren has a lot of the surly riding instructor in her, and it was a far more interesting aspect of her personality than her relationship with Sheri. Keren had even assured Sheri she would have been welcome as their third. As a kid, it hadn’t even occurred to me to make an argument against it. I - Talia’s age - agreed with her. When life gives you child brides and weird cult compounds, it’s better to find love where you can. Genuine love. Regardless of anything else.

Secondly, it was a book I needed when I didn’t know I would need it. A lot of fiction - especially geared at children - skates lightly over topics of depression, anxiety, and loss. Don’t get me wrong, I love Harry Potter with my soul. But even at the age I read it I felt the shallowness of their reactions when Sirius died. I felt my own reaction even crying while reading the book to be stronger. It would infuriate me that the next book they sort of conveniently forgot it had only been a few weeks/months. That Harry was “sad but manageable.” For context, my dad contracted Lou Gehrig’s disease at 44. They told him he had likely already had the disease 10 years. He lost everything; his temper, his dignity, bits of his mind at a time. Any filter between his brain and his mouth. His fine motor control, like holding a spoon. His major motor control, like being able to stand up. He was in a powerchair within the year. As the oldest daughter, it was expected that I would help turn him, change his catheter, and answer his shrill screams in the night. I was fourteen years old. 

Dad and I were inseparable. Father-daughter relationship compounded by the fact he had, in essence with a flexible work schedule, been a stay at home dad. He had been my primary caregiver, my confidante, my chef, my advisor, my everything. And now I was his punching bag as he lost a bit of himself at a time. “My friend, who’s a psychiatrist,” Mom always said it this way, to make sure we knew she wasn’t so weak as to need therapy. A challenge to dare us to say we did. “He says that he’s hardest on you, because he’s most assured of your love. That he can abuse you and scream at you and curse at you because he knows you’ll go back the next day. A moth to a flame.” And me staring blankly at her: “Of course I will.” Because even if it was my worst fear - it was, always had been - even if it hurt worse than I could have ever imagined - his death would have broken me, but only in half. His suffering crushed the pieces of me into dust and left me a gaping black thing sucking in the world - “I love him too much to miss a moment of this.” Even if every minute - every possible second - was me reminding myself I had to breathe and feeling my lungs on fire, my head was on the edge of a migraine, it was impossible to interact, but I had to. I had to smile. To go to high school. To turn in assignments on time regardless of the cost between going to bed at 2 and hearing him scream at 3. 

Your books, though, weren’t fake. I held onto them with the assurance of that one quote: life is the scream into the void; art is the answer you are not alone. I held onto the depression and grief and trauma of your characters and felt sane. If I hadn’t, I might have thought I was losing my mind. I was, of course. And I had been conditioned Catholically to think of mental health as a weakness, a secret shame. I had been told by my mother psychologists and medication were wonderful advancements for those people; sick people. Sick in their mind, she would say smugly. Her adamant assurance was: “We have to go on like usual. We can’t let people know we’re struggling.” And so we did. Social events. Big smiles. Sleepovers (somewhere else, my friends explained, your dad bums us out). People didn’t find out he was dying until prom of my senior year. I was on the receiving end of a lot of horror from teachers (why didn’t you tell us? Ask for an extension?) I had to be normal I wanted to tell them, but I didn’t even know how to begin to explain.

Once a pediatrician told my mom I was deeply angry and tired; I was losing my father. I was fifteen. I needed to see a counselor. My mom went ballistic in a public waiting room. She aggressively turned to me and asked if this was true? There was no chance, of course, for me to disagree. I didn’t even want to. My loyalty to my family was (is) so strong that seeing anyone upset her so badly had put my back against the wall and made me bare my teeth. I reflect a lot on it now; how poorly that doctor handled it, the way she would have bungled it much worse if it had been physical abuse. You never confront the person in front of the child. Never don’t have a safety plan in place. 

“She said you were so young,” my mother snarled on the way home. “When we both know you haven’t been young in years. I watched you. Watched you go from fifteen to twenty in months instead of years. Don’t you think?”

I could only nod, and when I covered my mouth, fingertips touched wet skin. I hadn’t been young in years. 

Darkwind was someone I identified heavily with. Someone who changed his name, cut his hair, let his grief consume him. Someone who shied away from Silverfox’s help. Someone who was glad when his father still got some. The day of my dad’s funeral, I cut off my hair. I was 19. The nightmare had lasted five years. I had stayed home to go to a local college so I could keep living at home, keep shielding my younger sisters, keep driving them to school and viola practice and karate. I had to give up my extracurriculars early on (and lie, of course, on my applications). It was actually a disaster at the hair cutting place (not important, but the lady called the police thinking I had stolen her cell phone which had fallen behind some tools). I went home. My mother took one look at my hair and told me it made my face look fat. “It’s for Dad,” I said steadily. In my mind, I was howling like Darkwind. I wondered if I could break my name into grief and sorrow, but it was too hard to think of the name I might have been, since the person I had been was as dead as dad was. 

On days where my two younger sisters were scared and confused (the youngest was 13 when he died), I read them The Fairy Godmother and One Good Knight. They liked that one especially well. I went on to absorb almost all of your works (I think it’s impossible though, to be honest. There are just so many that either you’re a witch or I keep reading the same ones again and thinking I’ve never read them. For instance, I have a Bard Song on my nightstand right now from a bargain bin. Never read it before. Recently read Four and Twenty Blackbirds). Of course, my favorite series was Valdemar. I know all those characters the best, having reread most of them over again several times. I liked Elemental Masters, 700 Kingdoms (some). I was sad that the Beauty & the Beast stories in both weren’t my favorites (The Fire Rose, Beauty and the Werewolf, since it’s my favorite Disney film (but as your stories follow the traditional fairytale a little closer, and that tale is a bit gross, I understand). I think my favorites were The Firebird, Phoenix and Ashes, Reserved from the Cat, The Wizard of London).

Honestly, I may be a tiny minority, but I ADORE Joust. I was sad there weren’t more of them. I spent much of the time I read them inventing my own dragon egg, my own falling through time and space. My own female girl rider takes on the Team without being just a sidekick who talked to animals. It is hard to recommend or talk about it without people laughing, and I appreciate it IS an incredibly hard-core nerd fantasy genre (ancient Egypt, jousting, dragons). It feels a lot like Anne McCaffery crossed with a Naomi Novik story (since Temeraire and Napoleonic Wars are equally hard-core nerd stories. I was lucky to stumble on that line recently - I feel like there’s not enough of the true blue 80s/90s fantasy voice anymore. Sometimes it feels all too dark and plot driven, lacking the characters and slice of life that your works have nestled in my heart, places like the Palace Compound that I know as well as I knew my middle and high schools. A place as real to me as they are, including my own room. My own Companion. My own Heraldic Whites when I turned 18 and took the leatherbound books from my father in an eyestinging rush of love. 

Even now when I was looking up a list of your work, I’m amazed and appalled to see I haven’t caught any of your works since 2009 or so. HOW MANY ARE THERE 100? 200? I thought there were 70 something, but no, you’ve far outstripped yourself. I usually pick up the books in secondhand shops. I’ll go straight for “L” and then just tip all of them into my arms if I haven’t read them. It’s one of my favorite rainyday activities. I noticed you even have a book out this year! CRAP! It should not be POSSIBLE you can write faster than I can read! I’m 27 and I still read a lot of the books that came out when I was born or in diapers. Sometimes I wonder which books you’ve written are your favorites. If there are books you’ve written you skim through like “hmmm I don’t even remember this” and read it with the same laughing intensity as the rest of us, resting your thumb on “oh yes, this was when I was...”

Anyway. I know this letter is long. You’ve been a saint for even getting this far. So let me say this. When I think of the BEST writers of fantasy in the 20th and 21st centuries, your name is among the greats. I’ll say something like: Anne McCaffery’s Dragonriders of Pern; Orson Scott Card’s Ender’s Game; Robert Jordan’s Wheel of Time; Mercedes Lackey’s Valdemar...and EVERYTHING ELSE. A lot more people know the names of George R.R. Martin, of J.K. Rowling, of Neil Gaiman. But none of them have put out the solid, unending stream of work that literally POPULATES what most people consider “fantasy.” Your ideas, your work, your world-building influence television, influence Dungeons & Dragons, other works. You are a Giant in your field, and even if you don’t feel it, you have laid the groundwork for an entire generation to lay themselves reverently on the altar of your sacrifice, your reflection of relationships, and taught young girls like me what it was to embrace themselves, in all shapes - black tar and bi pride. 

I know you probably tire of hearing this, but I want to be an author. And I’m a good writer. I don’t say it boastfully. I say it as something I’ve always heard, from teachers and friends and magazines. But mom said being an author was like being an actor - a pipe dream, a thing to do “on the side” and “as a hobby.” And it is a hobby of mine, for now. I did the Responsible Thing and became a lawyer. It was quite horrible. But I did it. For Dad, you know. Legacy and all that. 

But don’t you DARE die before I’m published. I’m not talking about the hospital right now. I’m talking about choking on a banana; slipping on the sidewalk; getting mobbed by adoring fans. It is literally my bucketlist to publish a book, to meet you, to dedicate the book to a woman who I’ve never met, who I’ve never known, but who had influenced and impacted my life SO profoundly I consider her characters as pieces of myself. Her worlds as places of safety when I’m sad. The helping hand she held out to a twelve year old girl, and fifteen years later the one I’m still gripping tightly. 

YOU are one of the best women in my life, and one of the best role models I’ve ever known. Even if we’ve never met, knowing that you could be a deeply nerdy human who loves horses and magic and reading every day and still be “successful” when the world outside told me I dressed wrong and looked wrong and felt wrong. That I needed to pick up a magazine, or watch sitcoms, or generally stop making them feel pitying and uncomfortable because of the things I liked. You made me proud to be a feminist, an ally, a writer, a dreamer, a reader, and maybe only lately of my sexuality, but still growing and going forward. 

So, here’s lots of love and adoration and gratitude flooding your way from:

One herald (whose companion was someone she knew in real life reincarnated too early, obviously grove born, with mindspeech, with magic, of course and lifebonded with a Kestra'chern. Predictably, I fought the lifebonding every step of the way, and consider him a great nuisance).

One dragon rider in the jousting wars (with a dragon named Altaira (high flying) who is such a deep dark color she seems black but ripples cobalt and violet).

One grateful apprentice to the Fairy Godmother, who herself was saved from one of a great many plots by the impetus of her father’s illness/death.

And of course, from one persnickety lawyer in DC, drowning in student loan debt and of course too many books, one cat too pretty to be a boy named Gandalf, and his Greyhounds (yes, two, who are very lowkey and I think you would like. They’re like large sleeping cats more than dogs, but very friendly with horses). Of course I named the cat Gandalf simply for the introduction of “Gandalf, the Greyhounds.” Originally I wanted to name a dog “Gandalf...the Greyhound” but because of who I am I went to the shelter and asked for the dog least likely to get adopted and sort of came out with a bonded pair and then it seemed they needed twin names so they’re named Fred & George after Harry Potter. 

But rambling aside, I adore you. I adore your books. I adore the world you’ve given freely for us to play in. Get well soon, and lots, lots, and lots of love. I’ll be playing in my worlds today especially a lot, thinking of you.

All the best,

Kaylee

[gracieisnotmuchofawriter]

Alone (Therapists & Children)

A couple years ago, I met someone who meant the world to me. His name was Robin. We sat in that room lit with bright orange lights. Steps ran down to the center where a piano sat. A projector sat atop the ceiling, pointing towards a white sheet just behind the piano. Off to the side sat a shelf with a stereo on top. The walls were dark, brown and obviously made of wood. Squares of foam sat a few inches apart across the walls. The entrance sat off to the side, on the other was a closet that stored all of the chairs. I sat at the back with all of the Mezzo’s. Ms. Curtis had trouble gauging what my range was. We were doing these team building exercises, to find our voices and sync up. When she got to the Mezzo’s she was very disappointed when she found out I had never sang a word in that room. She gave me Mezzo because of my speaking voice. So I sang throughout that hour with everyone who was just now realizing I existed.

  I didn’t sync well with the Alto’s because my voice was a little too high. Finally, she decided I was a Mezzo Soprano, so she grabbed a random Baritone Bass off the shelf to start the usual exercise. He sat down and it was the first time I was ever interested in a boy. He had big brown eyes, messy red curls on his head, all styled forward. He always looked so cool in those blue, slim fit jeans, slip-on Vans, some short sleeved button up shirt. His face wasn’t hard, it was soft but defined. We connected after the teacher found out we both hadn’t sang a word in that room. What started out as a team building exercise turned into another search for this boy’s proper range. She told me to sit back down and—as she put it—“Just, wait until we’re done.”

  When it was all said and done, the bell rang. It was the last hour of the day. Afterward we properly met after school. He walked me to the bank my aunt worked at, our conversation was easy enough. He took me out. It was the first time I wore a dress since I was four. I met his friends, they became my friends. They bought me an Xbox. This boy and I had sex, it was my first time. Then senior year happened. Texting everyday turned into a few texts throughout the evening. Weekends turned into a few texts in either the afternoon or the evening. All of the sudden, in October, he announced he was moving to California to be with his mom and dad. He stopped coming to school. He stopped talking to me. He stopped talking to his friends. Or at least I thought. I remember jumping online, seeing my brother on, he was talking to someone, I could hear him. I thought it was everyone else. It was Robin, the boy I was seeing.

  The next day, it felt like everyone was staring at me. My stomach felt hollow, my heart ached, I felt tired, hungover. I floated through the day, I slept in my history class. My friends (his friends) tried talking to me at lunch, but I couldn’t pay attention. I complained about an upset stomach and called Brielle. Her and her girlfriend picked me up. My room felt so big and empty. The white bumpy walls, the dark brown floors, the glass desk in the corner, the TV just above my dresser in front of my bed. My bed’s white blanket, my tan pillowcases. Everything just looked bland and lifeless. I ignored my brother through the rest of the week. He didn’t do anything wrong, though, he just thought I was still talking to Robin, he didn’t know, no one knew he ignored me like that.

  Today, my heart swelled to the size of a grapefruit. My lungs felt punctured. My chest felt like a cinderblock laid atop of it. I sat in the bathroom heaving, trying to catch my breath. No one heard me, Asha went home for the weekend, the girls on the other side went home as well. The ringing in my ears became louder. A harsh pressure pressed onto my sinus’, tears came out of my eyes. It felt like pins kept stabbing my back and across my shoulders. I laid down on my side, curling up into a ball.

  “Jude’s not the same.” I kept groaning through my heavy sobs.

  Jude went home to Lincoln, to see their family, their siblings. Apparently their brother had a kid recently. Jude left on Thursday, they haven’t texted me back. It’s Saturday.

  My brain kept bringing up terrible thoughts, the more I ignored them the louder they got.

  ‘Jude’s done with you.’

  ‘Jude’s tired of you.’

  ‘Jude’s bored of you.’

  ‘Jude knew you were irritating the day you bitched about lying to your instructor.’

  “No, they’re just busy.”

  “No, they’re just busy.”

  “No, they’re just busy.”

  “No, Jude didn’t care, they really just wanted me to move past it.”

  ‘Jude’s just another Robin. For good reason.’

  ‘Jude should move past you if this is how you react to a couple days of silence.’

  ‘Maybe your mom knew how much of a wreck you are, maybe that’s why she left you.’

  I got off the bathroom floor, I walked into my room, my eyes stung, my back hurt, my stomach hurt. I opened my drawer, finding that pill bottle. “Take one(1) as needed”. I dropped two tablets into my hand, stuffing them into my mouth. I grab my bottle of water, washing the pills down into my stomach. I stumble back, chest still on fire, thoughts still racing. I curl up onto my bed. I want my aunty.

—

“Jude’s memo, September Twenty-Eighth.

‘Eggs, milk, diet soda, Gatorade and a gift for this cute girl I met at school.’ That’s my list for today’s outing. It’s a relatively humid day, my hair feels all flat and my face feels like a cheeseburger. My armpits are kinda yeasty and I don’t care, nothing’s gonna stop me from wearing a tank top today. Anastasia carries my sweater so if those clouds man up and actually do something, I got something to cover up with. Also, I need to pay my phone bill. It’s prepaid, thank god, so no late fees.

I started making these after mom died, our families never been the same. But my brother’s kid being born has done the impossible. I’m driving down to Lincoln to meet up with my sister and we’re gonna go see his beautiful little family. We’re gonna lay our mom to rest, properly this time. When it happened, my siblings and I couldn’t bear to be around each other, we all just saw our mom in each other I guess. Each other. Us. It still really hasn’t hit me that we’re all gonna be in the same room together again. It seems so far away that I’m wondering what Amber might like from Lincoln, what can I find her that she’ll get excited about. Me,

Jaime and Judith are gonna be in a room again but all I can think of is my stupid crush. She’s not stupid, the act of thinking about her over this momentous occasion for the Kent family is strange and dumb.

I don’t know... Amber. She might just be a crush, just a curiosity for the school year, I mean, I’m not even sure if I like graphic design. I like doodling, I like making things, but advertising? Is that me? Maybe Amber is just someone to distract me from those fucking questions, but at the same time, her face keeps popping into my head, I can hear her voice if I just imagine it, I don’t know. She’s much, uh, ‘looser’ these days. She doesn’t seem so tense, so distant. I’ve been sitting next to her in Digital Layout One for the entire year so far, this week was the first time I saw her usually milky face turn colored, splashes of pinks on her cheeks, her lips seem, I don’t know how to describe it, but she seems like there’s just more life to her. Her shoulders slump more, her legs don’t bounce like crazy, her hair sits behind her ears more, she takes off that big ass sweater she’s been wearing. She replaced it with a much more comfortable cardigan. She just seems healthier. Probably because a friend sits next to her. But how ethical is it? I mean, this only started because I have a crush on her. Is this okay? Is it okay to pursue her with the slightest expectation that I might get some coochie at the end of this? The answer is probably no, especially given for the fact that I know next to nothing about her, her past, her wants and her needs. I mean, maybe it’s too early to judge things, perhaps I should slow down this thought of not knowing her well enough, the ethics and just have fun. She likes me well enough, I think. We laugh a lot, she shares her sense of humor with me. I mean, she made a sex joke earlier this week, and it was a fucking cute one at that! Jesus, what do I do? I want McDonald’s, there’s one in Missouri Valley, I’m gonna check it out, give’em a visit, see how those nuggets have been. Does Amber like McDonald’s, I mean we got Chipotle and Taco Bell, she must like McDonald’s. Or maybe she’s just too polite to ask, like I say I want Chipotle and she just goes with it. Maybe these questions are best suited to ask her and not the woman who’s gonna listen to this with me on Monday, Hi Jamie! What do I do? What would my mom say? She’d probably tell me just follow my heart because she really had nothing else to add, she always thought me being wholly queer meant she couldn’t give me adequate advice, but that’s not true, when she did give me advice, it was always fucking good, it was exactly what I needed to hear, even if I didn’t want to hear it. I know examples would be better, but, this recording is getting a little long. My mind is a bit wild today. From meeting Amber, to my brother and his girlfriend finally popping that kid out, getting to see my sister Judith after four fucking years. Maybe the reality of seeing everyone is actually hitting me, maybe I am really nervous and I’m just trying to use Amber as a shield from all of this.”

[chrisanthony88]

Nick 28/100 “I was born and raised in Santa Monica.” Did you go to SaMo [Santa Monica High School]? “Yeah. I went to Grant Elementary, John Adams Middle School, and Santa Monica High School. The full Malibu Unified School District curriculum.” Isn't SaMo known for celebrities attending their high school? “Robert Downey Jr., Charlie Sheen. When we went there Mel Gibson’s twin kids went there for like half a semester and the rumor was that they were sent there as punishment. They’re like, ‘Here’s some public school for ya.’ I didn’t even know they were there when it happened. Actually Santa Monica is one of the largest populated high schools. I think there’s like two thousand students on campus at all time, which is unheard of, you know. Venice High was like the second, like 1,500, and then there’s like Palisades and Malibu High. Those were the Northsiders,” chuckles Nick. What was it like growing up in Santa Monica? “Santa Monica, you know you hear like, quiet, friendly beach town, it is not friendly or quiet by any means. It is such a small city that has like, I mean like, gangs. There like five gangs in a five mile radius. Your Graveyard Crips, which are right across the street from Santa Monica College, your SM 13, basic Santa Monica thirteen gangbangers, Venice Shortline Crips, you know those three gangs, it was crazy. There was like murders all the time, and by senior year homies were gettin’ shot and like dyin’ and like holding services for these fools. Our football team, we never had a good football team because we were all a bunch of gangsters and we could never finish practice on time, and we never showed up, and you know when we did show up to play they wouldn’t play us ‘cause we’re a bunch of assholes. So it’s crazy, like Santa Monica was such a diverse group of just like beach kids and thugs, and just everything you can think of, it’s crazy.” So where in Santa Monica did you grow up? “Twenty-third and Ocean Park. Man I remembered my mom payed about $650 a month in rent for a single standing unit house, you know a two bedroom, one bathroom, it was awesome, and I was looking recently in the neighborhood, it’s a twenty-seven ($2,700) and over month place,” says Nick laughing. $650 a month in Santa Monica? “Yeah. Yeah it was unbelievable. It was the best, and Santa Monica is cool, lot of side streets and then alleyways everywhere so we can always just get to anywhere we needed to get then through an alleyway.” So where was a go to spot in high school? What did you do for fun? “Well, there were go to spots, like I was riding the bus in like fourth grade, that’s when I started riding the bus, it was fifty cents to ride the bus, so the Santa Monica bus line took us everywhere. So there was always 3rd Street Promenade and Santa Monica Pier. The 3rd Street Promenade was like the spot throughout middle school and high school, and you know they’re broken up in those blocks before they did all those renovations. The third block was called the ‘Promenade Rats,’ that’s where all the Promenade Rats would hang out, literally because the kids would have rats hanging on their shoulders. We wanted to be like those kids so we’d go hang out with them and smoke, and sneak into theaters and shit.” I thought they would be called Promenade Rats because they were rocking a rat tail [hairstyle], like back in the 90’s. “Oh, yeah the rat tail!” laughs Nick. “No, it’s because they had an actual rat tail hangin’ off their shoulder from a rat.” Was the 3rd Street Promenade as built up as it is now? “No, no. They put in those statues of the dinosaurs and stuff, and the fountains, so that brought a lot of attention so people would crowd around the fountains, so it wasn’t like really cool to hang out there and be a punk anymore. The Santa Monica Pier they had torn down all the old shit that we loved and put in a rollercoaster and a huge ferris wheel, so that kinda killed that. We stopped going there. The beach man, it was tough ‘cause you get on the bus in West LA because everyone was using their grandparents address so they can go to SaMo High with the rest of their friends, so we were one of those families that would use my grandma’s address, livin’ in West LA, taking the bus there, and man it was so hard to get off the bus when you can just sit on for two more stops and be at the beach and just chill at the ocean all day, you know. It was the best place. So it was tough, you know you’d be like, ‘We’ll go back second period. Ah, crap. We’ll go back third period. Oh, well, no point of going back now.’ That was always tricky.” How do you feel when you go to Santa Monica now? “It’s changed,” laughs Nick. “It’s all changed. Even in the last like, when I was working in Santa Monica like ten years ago, it changed so much just from then, you know. They put in that new Gold Line train, so just every couple intersections, just massive train construction for a bridge or stairway to get to the bridge.” Do you feel it has changed for the better or worse? “Umm. It’s hard to say, you know. It’s not the old Santa Monica, Old Santa Monica was chill. I guess in the sense that no one can afford to live there anymore, that’s not for the better.” Los Angeles is known for many things, one of which is the Entertainment Industry, and it is a well know fact that many individuals in the industry are not originally from Los Angeles, and is somewhat rare to find someone that is a Los Angeles native. What’s a big misconception or stereotype that many people have about Los Angeles or Angelenos? “The stereotypical thing would be something you see on Saturday Night Live. How people talk about how many highways it takes to get around the corner here and there, and we’re all laid back. I took a cross country trip with my buddies when I was seventeen, and it’s a whole different universe in between LA and New York, you know, and that’s what runs this country. And so I would say it’s easy to feel like once you’re here, born and raised here [Los Angeles] you feel like, ‘Well this is how it is everywhere.’ You can’t help but think like, ‘This must be how it is everywhere else,’ and that trip really taught me that, no it’s not. That we are a collection of the world’s top entrepreneurs, you know everyone comes here for a reason and that’s to get a great gig. There’s definitely opportunity out here and so I don’t blame people for flooding, but to answer your question, ‘A misconception?’ Yeah we’re not all laid back surfers that are doing yoga, or like hang gliding from the mountain tops, it’s a struggle out here. It’s not easy-going, never is, never has been.” So what did you do after you graduated high school? “I was wrapping up my pilot license. I got into flying real young, that was something my grandparents thought would be like a really good umm, school wasn’t my biggest thing, you know I stuck it out and finished it, but there was a little college money set aside and we kinda pow wowed and thought flight school could really hone some skills and put to use, and maybe become a private pilot or a commercial airline pilot. So I did that at the same time through high school and I think I got started too young, I got tired of just flying around by myself, or when I did have my private just the idea of flying one person to the next place, I just became a chauffeur to the skies.” What were you flying, a Cessna? “Yeah, Cessna, and later I moved onto multi-engine and got a little practice in the turbine engines and stuff and that’s when I realized this really isn’t what I want to do. We spent like fifteen grand in college fund to get there, and then the big kick in the pants was they had changed the rules to where you had to have a BA (Bachelor’s degree) to be a commercial pilot and that was the whole point was you didn’t need that. You needed a high school education and you needed a pilot license, and then hours, and so that changed. I could have been an instructor you know it’s just more of the same. Logging hours while someone is paying you to fly the plane. You know that tanked and I started working, making good money working. I graduated early, I graduated in February as opposed to June. I discovered summer school and college credits and everything to just graduate as soon as possible and start working. I moved out when I was seventeen with my buddies, you know we got a killer place together, threw the best parties, everyone worked, we just had to choke together like $1,200 dollars a month rent between the three of us. So that kept going for, you know we moved from that place to another place to Hermosa Beach, and that place was insane!” Nick lets out a laugh. “That was party central. We would bring the whole pier back to the house with us.” What season of your life are you in? “I think I feel like I’m definitely learning a lesson. I’m growing and learning from mishandling a lot of funds over the past ten years. Definitely that’s bitin’ me in the ass, so I’m like, you know kinda just like...I’m adjusting. Like to quote Eminem in 8 mile, ‘You know when you gotta stop tryin’ to live up here and start livin’ down here?’” Nick laughs. “You know things like that. I think, umm, desperation creates innovation and here I am with the Flick Nelix, and realizing this is something within my means that I can fully wrap my mind around from the beginning to end and make it happen. So that’s where I’m at. I’m starting to realize that I gotta get my shit together soon ‘cause or else it’s tough livin’ out here. West of the 405 is not for the weak.” Did you always have a passion for bikes? “Yeah, growing up that was, man, until I discovered chicks and pot it was all about just anything action sports related. Just cycling, skating, snowboarding, surfing, volleyball, just everything, so I’m tryin’ to dial back to those roots ‘cause it’s tough sometimes to find a passion and for me it’s being creative. Any opportunity to be creative, let alone get paid to be creative is the dream. So if I can sit around and conceptualize a bike and take it from a vision to a physical being, it’s very gratifying, and I get really pumped and excited about it, and not a lot does that these days.” So why vintage bikes? “Because I know that there’s a growing market in it and everything comes around full circle every so decades and I caught wind of this 70’s wave of old racing bikes, English road bikes, and it all started when I started restoring my uncle’s bike just for fun, just to get back into a hobby and then just going through the process and learning more about that process, and about that era of bicycling and it just ramped up from there. I saw how much potential there was and how little people were doing. Any opportunity to be creative is the direction I’m heading.” How did you start Flick Nelix? “Aside from tryin’ to open up my passion for cycling, I’ve recently learned how avid a road cyclist my uncle was, and I remember him showin’ up to the house to family events, and he’d ridden his bike from God knows where and he’d show up all broken and bruised and bleeding ‘cause some asshole ran him off the road, or you know he took a spill, or he was with a pot of bikes and got wrapped up, and I started remembering these things and I was just like, ‘Man, we owe it to him.’ He had passed away back in like 2002, 2003, so his bike had been sitting around in storage for that long [fourteen years] and I just remembered seeing this relic of a bicycle, and obviously I’ve been watching some shows on restoration and stuff like that and I figured ‘I love this, this is fascinating, I wish I had something to restore.’ Sure enough, there it is, it’s been waiting for me the whole time, so I gave it a go. I look into the best way to restore an old 70’s English road bike, and the way to go is you’re gonna paint it, you gotta powder coat it so it will never rust again, find the original decals, the original components, make sure everything is polished nice and bright and clean, and once I got to that point I realized that when it’s finished and it’s beautiful, it’s gettin’ tons of compliments, I was takin’ pictures of it, gettin’ a good response online, and I started to realize that there was money in this to be made. It’s not a whole lot of money but you know if I can make a couple hundred bucks here and there, a couple thousand bucks at the end of the month, it makes sense to me.” What was the story behind the name, Flick Nelix? “My name is Nick Felix and an old co-worker buddy of mine out of sheer boredom started calling me Flick Nelix, which is just a simple twist of the lettering of the name. I guess it stuck with me and then years later, you know I’m just shootin’ the shit, havin’ drinks, good friends and thinkin’ about, you know, ‘It’d be cool to get a cycling company going, maybe sponsor some riders, or start machining custom parts for bikes,’ and I asked my buddy, ‘What do you think about Flick Nelix?’ and he’s like, ‘It sounds like a trick, like a skateboard trick, like a double helix, a Flick Nelix.’ And we just got hyped on it and it stuck with me ever since, and when I did that restoration I kinda thought how I can brand it, you know. I’m not just flippin’ bikes like a Craigslist bike flipper, you know I’m restoring them to their former glory. The bike is worthy of a restoration process. Yeah, that’s how the name came about.” If you could go back in time ten, fifteen years, what is the single greatest piece of advice would you give yourself? “Dude, it’s so not exciting at all. It’d be, ‘Save for taxes.’” Nick laughs and adds, “But that was a unique situation that I was in that just fell on me like a pile of bricks, you know. Let see. I wouldn’t change any life decisions, I wouldn’t change any of my friendships, you know, I would…” Nick takes a moment of reflection. “You know it’s not fun stuff, it’s depressing, it be like maybe go back and help someone who wasn’t doing as well that didn’t make it as long as I did. Someone that may have taken their life, you know stuff like that I could have maybe have helped, things like that. Nothing really cool, like ‘Ah, man, I wished I never hooked up with that one crazy chick or something. I’ve got an answer that I would change. I would tell myself to never stress. Never ever stress. Especially over something you can’t fix or change on the spot, never stress. That’s what I would tell myself. Don’t worry, be happy, everything is going to be okay, you know.” What do you want to do before you die? “Getting in more traveling, as much traveling as possible. It’s all about traveling for me. This will always be home and it’s never going anywhere, so it’s okay to bail out of your hometown for a couple of years if you have to.” What do you like about traveling? “I guess the new experiences. I like just getting lost without ever having to worry about getting lost. I learn that when I drive, you know my worst is when I’m driving and I get like rage and then I start getting mixed up on directions and where I’m going, but when you’re on a road trip and you’re just tryin’ to get from, say like from here to New York, you can’t mess up as long as you’re just going one direction, you cannot go wrong. I remember that feeling on that trip I took when I was seventeen, I remember that feeling, never worrying about where we ended up or how much time is left in the day or whatever because it didn’t matter, and that’s what it’s like when you’re traveling.” What is your best friend going to say at your funeral? “I hear it to this day man, just fun to be around, and ahh, I don’t know, and I get that from my parents, I get that from my grandparents. We’re all just fun, happy going people. We rather laugh than bicker, you know, that’s just the way it is. In my family it was easier to be a friend than a parent figure, a grandfather figure, a grandma figure, let’s all just have fun together and not take things too serious.” 72 stories to go.

[wikimakemoney]

Top 10 marketing-related AI thought leaders to follow

30-second summary:

AI can help marketers deliver better overall customer experiences across all digital channels.

The key to success is in using it logically, ethically and in key areas where it can assist, save time and resource and help scale campaigns and performance.

To gain a better understanding of the benefits to marketing it is best to build your knowledge from a wide range of perspectives to identify the best use cases.

We look at 10 influencers worth following to get a good handle on how AI can and should effect the marketing sector.

Adoption of Artificial intelligence (AI) is growing worldwide, with a recent IDC report identifying the ability to deliver a better customer experience, greater employee efficiency and accelerated innovation as the leading drivers for adoption.

AI now powers marketing processes across the customer journey, from insights, search optimization and content marketing to personalization conversion optimization, predictive analytics, and beyond.

How can you stay at the forefront of advances in AI and machine learning? Follow these AI-in-marketing thought leaders.

I like to keep a wide range of disciplines in my newsfeed, to keep learning about now only what AI technology can do, but how we can use it in marketing ethically, logically, and most successfully.

Read their research and commentary, and don’t forget to join in the conversation on the platform of your choice.

1) Andrew Ng, founder & CEO of Landing AI

You’d be hard-pressed to find a more influential AI instructor than Andrew Ng.

To date, over 3.2 million students have taken his ‘Machine Learning’ course on Coursera, the e-learning platform he co-founded. Another 394,000 have studied his ‘AI for Everyone’ course—and these are just two of the eleven courses he’s created there.

Andrew is also an Adjunct Professor of Computer Science at Stanford University and one of the catalysts for the MOOC movement (in fact, he led the development of Stanford’s MOOC platform.

Last year, he announced the grand opening of his company’s first international office in Medellín, Colombia—you can read more about his plans to evangelize AI in Latin America here.

Good reads:

Advice on building a machine learning career and reading research papers

I. will be crucial to companies outside of Silicon Valley—and they need a new playbook for it

LinkedIn: Andrew Ng

Twitter: @AndrewYNg

2) Cassie Kozyrkov, Chief Decision Scientist at Google

According to her LinkedIn, data scientist and statistician Cassie Kozyrkov is on a mission to “democratize Decision Intelligence and safe, reliable AI.” In her role at Google, she guides the search giant in making safe and effective use of artificial intelligence technology.

In her lengthy career with Google, Cassie has advised over 200 teams on their analytics processes, inspired more than 400 new projects, and trained over 15,000 analysts and decision-makers in using machine learning to transform their work.

She shares her knowledge and unique insight generously outside of the classroom and boardroom, as well.

Good reads:

Machine learning — Is the emperor wearing clothes?

Whose fault is it when AI makes mistakes?

LinkedIn: Cassie Kozyrkov

Twitter: @quaesita

3) Moustapha Cissé, Research Scientist and Head of Google AI Center, Accra

Moustapha is the founder and Director of the African Master of Machine Intelligence at the African Institute for Mathematical Sciences. The one-year intensive graduate program is fully funded and offered in partnership with Facebook and Google. In 2019, it received over 7,000 applicants.

Prior to joining Google, Moustapha was a research scientist at Facebook where he worked in AI. He earned his Master’s Degree in AI, then his Ph.D. in Computer Science at Pierre and Marie Curie University in Paris, and a Master’s Degree in Computer Science in Montreal in between.

Good reads:

Look to Africa to advance artificial intelligence

Google AI in Ghana

LinkedIn: Moustapha Cissé

Twitter: @Moustapha_6C

4) Karen Hao, Senior AI Reporter at MIT Technology Review

Karen’s work has appeared in Mother Jones, Sierra Magazine, New Republic, Quartz and more. After a brief stint as an application engineer post-graduation, she found that her passion is in media and helping others by demystifying AI. Karen earned her B.S. in Mechanical Engineering at MIT.

Today, Karen tweets writes and tweets about breaking news in AI, black AI and technology scholars, the social and justice issues inherent to AI use, and more.

She gave a great TEDx Talk earlier this year in Mumbai on ‘Why We Need to Democratize How We Build AI’ that you can catch here:



Good reads:

A debate between AI experts shows a battle over the technology’s future

The messy, secretive reality behind OpenAI’s bid to save the world

LinkedIn: Karen Hao

Twitter: @_KarenHao

5) Brian Solis, Digital Thought Leader and Author

Digital analyst, speaker, and author Brian Solis has been studying the impact of digital on people and businesses for over 20 years.

A prolific writer, he has authored over 60 research papers and bestselling books including Lifescale: How to Live a More Creative, Productive, and Happy Life; X: The Experience When Business Meets Design; and What’s the Future of Business (WTF).

The Global Innovation Evangelist for Salesforce, Brian explores digital transformation, innovation, and disruption—and it doesn’t get much more innovative or disruptive than AI.

He’s a keynote speaker in the upcoming Artificial Intelligence in Marketing Summit, a half-day virtual event hosted by ClickZ, and a much-loved columnist in CIO, Fast Company, AdWeek and more.

Good reads:

2020 Enterprise Technology Trends: Digital Transformation, AI, Cognitive Automation And Quantum Computing

Now hiring AI futurists: It’s time for artificial intelligence to take a seat in the C-Suite

LinkedIn: Brian Solis

Twitter: @briansolis

6) Bernard Marr, Futurist, Influencer and Data Advisor

Internationally bestselling author and strategic business advisor Bernard Marr has been recognized by LinkedIn as one of the world’s top 5 influencers.

Among the 16 bestselling books he’s authored are Tech Trends in Practice: The 25 Technologies that are Driving the 4th Industrial Revolution; Data Strategy: How to Profit from a World of Big Data, Analytics and the Internet of Things; and Artificial Intelligence in Practice: How 50 Successful Companies Used AI and Machine Learning to Solve Problems.

Good reads:

How Artificial Intelligence, IoT And Big Data Can Save The Bees

3 ways the Internet of Things will change every business

LinkedIn: Bernard Marr

Twitter: @BernardMarr

7) Rama Akkiraju, IBM Fellow and Director at IBM Watson

Rama Akkiraju is one of AI’s top influencers. An IBM Fellow, the Director of IBM’s Watson division, and a member of the IBM Academy of Technology, she’s been named one of the top 20 women in AI research by Forbes and one of the top 6 ‘A-Team for AI’ by Fortune Magazine.

In her work with IBM, Rama explores new ways to make AI work for enterprise business. She and her team have developed a wide range of machine learning and NLP-powered AI services including Personality Insights, Tone Analyzer, and Emotion Analysis.

Good reads:

How humans and machines can collaborate to solve problems and communicate compassionately

Declare Your Biases

LinkedIn: Rama Akkiraju

Twitter: @rama_akkiraju

8) Dr. Craig Brown, Data Scientist and Lead Big Data Architect

As a technology and business consultant, Dr. Brown has been working on technological and innovative projects for top fortune 1000 companies for over 30 years.

He is a data science and data analytics expert, the CEO & Sr. Partner of STEM Resource Partners, and the author of Untapped Potential: The Supreme Partnership of Self.

After earning his B.S. from the University of Pennsylvania, Brown went on to complete his M.B.A. there at The Wharton School before tackling his doctoral degrees from the University of Pennsylvania and Cornell University.

Good reads:

9 experts answer your top data science & machine learning questions, feat. Dr. Craig Brown

Intelligent Connectivity creates value through collaborative ecosystems

LinkedIn: Craig Brown, PhD

Twitter: @DrDataScientist

9) Fei-Fei Li, Stanford’s Leading AI Scientist

As the Director of Stanford’s Artificial Intelligence Lab (SAIL), Fei-Fei Li led over 20 faculty and 100 students in the education and research of AI.

She served close to two years as Google Cloud’s Chief Scientist of AI and Machine Learning and VP, and is the co-founder and Chairperson of the national non-profit organization AI4All.

Today, she’s recognized as the leading AI scientist at Stanford, where she continues her work as a Professor in Computer Science and leads the Human-Centered AI Institute.

Her research focuses on AI, machine learning, deep learning, computer vision, computational neuroscience, cognitive neuroscience, and the intersection of AI and healthcare.

Good reads:

Fei-Fei Li: If We Want Machines to Think, We Need to Teach Them to See

Fei-Fei Li’s Quest to Make AI Better for Humanity

LinkedIn: Fei-Fei Li

Twitter: @drfeifei

10) Paul Roetzer, Marketing Artificial Intelligence Institute founder & CEO

The CEO and founder of the Marketing Artificial Intelligence Institute, Paul Roetzer is also the creator of the Marketing Artificial Intelligence Conference (MAICON) and the AI Academy for Marketers.

He’s the author of The Marketing Performance Blueprint and The Marketing Agency Blueprint, both published by Wiley.

Originally a graduate of Ohio University’s E.W. Scripps School of Journalism, Paul is a prolific writer. He still runs PR 20/20, as well, his first business and HubSpot’s first agency partner.

Good reads:

How AI is Transforming Search, Content and Digital Marketing

Can Artificial Intelligence Write Better Email Subject Lines Than Humans?

LinkedIn: Paul Roetzer

Twitter: @paulroetzer

Andy Betts is a Chief marketer and digital hybrid with more than 25 years of experience in search, content marketing, digital, martech and operations working across London, Europe, New York, and San Francisco. He works as an adviser and consultant for technology companies, agencies, and leading Fortune 500 companies.

The post Top 10 marketing-related AI thought leaders to follow appeared first on ClickZ.

source http://wikimakemoney.com/2020/06/25/top-10-marketing-related-ai-thought-leaders-to-follow/

[ennayork]

Hakuouki Shadows of the Past  Pt 2

Haruka had awoken the next morning with purpose.

Unsure of whether the team captain just wanted to talk or practice she made sure to dress in athletic wear. She was waiting on the front porch of her house when Samantha rolled up in her car. Haruka then bounded down her front lawn and tossed herself in the passenger seat.

“Someone’s eager for swim practice,” Samantha chuckled. She was already in her suit and jammers with a jacket thrown over top. Haruka grinned eager to share her plans for the day.

“Team captain messaged me last night and wants to talk to me. I bet he’s going to thank me for all my work, heck maybe we get to be co-captains.” Haruka excitedly shared with her friends who squealed excitedly. They got to the community pool soon enough.

Samantha carried in a white board that was scribbled in full colour coordinated detail what they were to do. She set it up on the deck over what had become their unofficial designated lane. The two girls jumped in and shrieked at the cool temperature of the pool before getting started on their training.

Haruka was still trying to perfect her strokes so that her form was just as spotless as Samantha’s. She’d given up long ago on trying to beat her friend in a race. She figured focusing on technique first would mean less disappointment. If swimming all summer taught Haruka anything it was that all her experience in sparring had prepared her for was decent endurance in sprint like activities. Samantha on the other hand could probably swim all day without a break while keeping a decent pace.

When they were done they rested together in the sauna. Sweat covered and exhausted.

“You’re front crawl is really good. Breast stroke is still a bit wonky and I really don’t get what’s going on with your back crawl,” Samantha told Haruka as she leaned her head on Haru’s shoulder. She giggled, “Really, I don’t get what’s up with it. If I did I’d tell you how to fix it. Have you been keeping track of your sprints? I think your twenty five meters have gotten better.”

“Not as good as yours,” Haruka groaned.

“Yeah but just like how you’ve been doing Karate forever I’ve been doing swimming forever. It’d be an embarrassment if you showed me up,” Samantha laughed, “I’m glad we get all this training in together. I’m thinking next year to get a scholarship through swimming.”

“You’ll get it no problem,” Haurka assured her, “You swim like you’re the Little Mermaid on steroids. You and your glamazon legs.”

Samantha giggled and the two red faced girls slipped out of the sauna before they overheated. The pool deck seemed freezing and they rushed to the showers to warm up again. They showered and changed and Samantha helpfully dropped Haruka off at the bistro she was meeting her team captain at.

She rested outside the bistro waiting for her team captain to appear. They’d been training for almost the same amount of time despite him being a few years older. Since Haru managed to pass through the belt ranks faster than Seth, it was more often than not that Ethan and Haruka found themselves in the same division at tournaments. The two of them had been competing since a young age. If anything Ethan was the closest thing Haruka had to a rival.

Ethan had gotten a little distant recently. Haruka attributed that to stress about starting University. He didn’t talk to her outside of class anymore, and would occasionally slight her during classes as well. Since his father was one of the most senior ranking instructors he’d gotten far more leeway with his behaviour than her. Something he’d really only begun to take advantage of recently.

Haruka was flipping through her phone when someone tapped her shoe. She glanced up to see Ethan giving her a curt nod of his head. She smiled and the two of them slipped into the restaurant. They got a table and each ordered something light to snack on.

Ethan reached into his bag and withdrew his laptop. Setting it between Haruka and himself. He opened it and began typing away on it while Haruka sat in her chair fidgeting awkwardly unsure of what to do. She prodded at the pastry she’d ordered and sipped on her hot chocolate. The two of them sat in silence while Ethan worked away on something on his laptop, the screen reflected in his glasses. Haruka began getting increasingly agitated from the lack of conversation and turned to bouncing her knees and flipping her phone on and off again.

Finally after what seemed like an eternity Ethan glanced up at her clearing his throat, “So we should talk about the tournament. It’s a really big deal for everyone involved, and it means a lot to the dojo as well.”

Haruka nodded her head, “Yes I agree.”

“And you’ve done a lot really, I can’t thank you enough for all of your work. With my first semester just starting I’ve had a lot to do and wouldn’t have been able to get half of what you’ve done completed.” Ethan stated as he adjusted the glasses resting on his nose.

“Happy to be of help team captain!” she beamed happily with a grin.

“That’s why this decision has been really tough, but I think I’ve made the right choice,” Ethan announced, and Haruka quirked a brow in confusion.

What decision? She wondered quizzically. Ethan shifted and cleared his throat. He was never very decisive or assured of himself outside of the dojo. He met her eyes with a very serious expression on his face.

“I’ve decided that you’re off the team.”

Haruka blinked and then shook her head unsure that she’d heard him correctly. She leaned back in her chair to take it in. She was aware that her brows were furrowed together as she stared at him. She took several breaths of air in before she responded.

“What?! I’m off the team?” She responded.

“Yes, I’ve decided that it’s better if you’re off the team for everyone,” Ethan nodded.

“But why? What? I can’t,” Haruka babbled stupidly unable to comprehend what was happening. A sick sort of feeling was settling into the bottom of her stomach.

Ethan sighed, “It wasn’t an easy decision to come to. But I think you’re simply too young to be representing the dojo at such a large event. We will win which means from there we’ll only be going to bigger and bigger stages. I don’t want your inexperience to hold us back.”

“We’re two years apart! I’ve been doing Karate longer than you have,” she retorted.

“Look this is just as important to me as the dojo alright? It’s going to look great on my applications to Law School if I win a state championship my first time being team captain,” he explained to her, “And I’m not going to let some little high school girl take that from me.”

“You were in high school this time last year! I’m the one who’s done all the work. I’m one of the strongest competitors on the team. I don’t understand,” Haruka argued back beginning to get angry.

“See! This is exactly why, you’re too emotional. Look I’m grateful for all your work. You’ve really brought the team together. But I can’t afford for you to mess things up,” Ethan assured her with a pat on her arm. She jerked back from his touch and hissed.

“This is ridiculous! This is my team!” Haru shouted at Ethan still in utter disbelief at the turn in events, “I know you’re team captain but I’m the one who has done all the work! I’ve made the choreography and trained the team.”

“Like you said I’m team captain.” He shrugged leaning away from her as he took a sip of his coffee.

“You can’t just take all my work like that! It’s not fair!” She argued as her foot stomped on the ground.

“I can and I will.” He stated plainly.

Her hands fisted by her side as her nose flared, “Did Sensei say you can do that?”

“He’ll be fine with it. We need a team that will win. And I’m sorry to say but we just can’t have someone as young as you representing the team.”

Haru thought back to all the work she put in. All the scheduling for practices, and coordinating which kata they’d use and determining the bunkai to go with it. She’d sacrificed so much of her free time, it had been like homework every night for the past two months. Her hands fisted by her sides and she pressed her lips together, but she couldn’t say anything as Ethan was her senpai.

“I’m talking to Sensei about this,” she stated and turned around to hide her anger. Ethan made a dismissive noise behind her. She pushed out of the store the chimes over the door ringing and stepped out onto the street. She glanced back at Ethan who settled in behind his laptop and went back to typing away.

She turned back to the street and set her shoulders square. She took in a breath to calm down and looked around for somewhere to hang out for some time to cool off. She’d planned to spend an hour with Ethan, having expected to run through everything they’d practiced and planned. There were a handful of restaurants and cafes, even a book store.

She realized with a grin that she’d never paid for her food and drink which meant that Ethan would. If he complained she’d tell him it was the least he could do for kicking her off the team. She decided that she’d check if the bookstore had any new shonnen manga to pick through. But as she stepped out onto the street her phone buzzed in her pocket.

“Hey,” she answered without looking at the caller ID. She hoped she didn’t sound impatient or angry.

“How’s the tournament practice going?” Subaru asked her curiously with a big grin.

“Not good. Ethan says I’m off the team.” She struggled not to growl.

“What? Do you need me to go talk to Sensei?” Subaru asked her worriedly

“No, this is my tournament I want to handle it myself.” Haruka responded with a deep inhale trying to centre herself and not throw a fit. Ethan had said it had been her immaturity that had gotten her off the team. If she created a scene it would only prove him right. She pinched the bridge of her nose.

“How about instead we chill out together huh? I was going to ask if you could swing by and meet me by my dojo when you were done your training session. But you could come over now instead.” Subaru offered and Haruka huffed glad that there was a distraction.

“I’d like that. You’re going to have to wait though since I need to catch a bus out there,” She answered.

“It’ll give you plenty of time to calm down on your way over. I still remember about your temper,” Subaru laughed and she made a noise of insult at that jab, “Alright you go catch that bus and message me when you’re near. I’ve got a surprise that I think you’d really like.”

Haruka softened, “Thanks Subaru,” she murmured.

The two of them quickly said their goodbyes and she hung up looking for the nearest bus stop. Haruka sat down at the stop and huffed angrily swinging her legs as she waited for it. Just as the bus was coming down the street a breathless Ethan showed up in front of her.

“Hey you forgot to pay for your food!” He exclaimed at her angrily. Haruka glanced down the street at the bus gauging how long it’d take for it to pull up. She then glanced back at Ethan. With a shrug she decked him just as the bus pulled up to the curb. It wasn’t a full forced punch, just a rabbit jab. But it had done its intended job. Ethan was doubled over as he covered his injured eye.

“Guess you’re right I’m too immature for the team,” she spat as she hopped on the bus. She knew it was immature. She knew it was going to get her in trouble and would probably only help Ethan’s case. She was going to feel bad about it later. But as of right now it felt really great to hit him in the face.

The bus driver was looking concernedly at Ethan as Haruka tossed her handful of change into the deposit box.

“Bad break up,” she shrugged and the bus driver nodded still looking confused but printed her a transfer slip anyways. She crossed to the back of the bus and found an isolated seat to settle into. The bus ride was long as she’d expected. She messaged Samantha about the unfortunate news, and tried to turn negative into positive stating now that she could help Samantha with her grading instead.

I hope you punched him Samantha jokingly responded.

I kinda did Haruka admitted.

OMG you haven’t hit anyone like that since Trevor in middle school! Are you going to get in trouble? Samantha responded.

Probably, I mean dojo rules are clear we’re not supposed to go around hitting people as we please. Haruka responded as the unease in her stomach worsened. She really had just made things worse.

Well he deserved it Samantha responded and Haruka chuckled. I’ve got to go, mom wants me to try on a new dress for my next pageant.

Ok! Have fun! Haruka responded and went back to fiddling with her phone to find a means to entertain herself before she got to the next town over. She debated messaging the rest of the team to notify them of the change, but since she couldn’t write a polite message she decided to write no message at all. She’d let them figure it out for themselves. She fiddled with her phone some more, playing with her apps.

Finally the bus chugged along to Haruka’s destination and she tossed a message to Subaru. He picked her up at the bus stop with a smile. Haruka forced herself to smile back and he wrapped her into a warm embrace.

“Hey, cheer up monkey,” Subaru comforted her as he gave her a warm squeeze, “It’s just one tournament. You’re young and skilled. Something great will come of that.”

She pressed her lips together and melted, “Thanks.”

“So are you ready to see my dojo?” Subaru asked her excitedly, “I wanted you to see it first because I think it means the most to you.”

Karate had been a huge bonding point for Haruka and Subaru. He’d been the one to realize that she was suffering in ballet. She couldn’t stand the dresses and the fact she couldn’t move as gracefully as the other girls. He recognized her growing frustrations and made her skip class one day to go to the dojo instead. For the next few weeks it had been their little secret until Subaru revealed to their father that Haruka was going for the first stripe on her white belt.

For the longest time it had just been the two of them going together. Haruka had excelled at it and pushed herself to impress Subaru in class and make him proud. When Subaru went away on trips she’d learn a new kata to show him when he got home.

If Antonio was her replacement mother, than Subaru was her second father. He’d been the one to take her on her first deer hunt, had shown her how to strip the carcass bare. And even though a few of her other siblings had joined karate it had never meant as much to the others.

“I’m really glad you chose me,” Haruka told her brother as she hugged him back, “It means a lot to me that I get to see this first.”

Subaru smiled warmly, “Well, I was thinking while I was at Grandpa and Grandma’s place you never actually got to go there. Everyone but you and Seth got to spend at least a few years living there, and ever since we moved back to the States we’ve never gone as a full family to visit.”

“So I thought to myself if I can’t take you to Japan, then I’d bring a little bit of it back with me for you. Granddad talked to me a lot while I was there, about a lot of things. Things about our family I never knew before,” Subaru explained, “And it really made me realise how important it is to be with family. I’m going to talk to dad. I want you to come and meet your grandparents. This summer it’ll be you and me.”

Haruka perked up and her eyes widened in excitement, “Really? You and me in Japan? No way!”

“For now though you’ll have to settle for what I’ve brought back with me,” Subaru teased and reached into his pocket, “I’ll let you do the honours of unlocking the place.”

Haruka was bouncing giddily with excitement the second the key landed in her hand. She squeezed the key tightly and squealed in excitement. Subaru laughed as he smacked her on the back.

“When we’re done here how about we grab a bite?” Subaru offered.

“My day could literally not get any better,” she announced.

The two of them chattered as they continued down the street before coming to a stop before Subaru’s dojo. Haruka took in the exterior. It was almost identical to what she had envisioned. She bounded to the door sliding the key in giddily. Her whole body shaking with excitement. She swung the door in and stepped into Subaru’s dojo. The place smelled of new paint, the freshly washed tatami mats and Windex that had been used on the mirrors. Suabru slipped in behind her flicking the lights on and inputting the security code to shut the alarm off.

Haru’s eyes scanned the room taking in all the new equipment and tools. She eventually settled on the front of the dojo which was positioned to the East as it should be with the kamisa set up to respect all the past instructors. She slipped her shoes off sliding them to be toes facing out towards the doorway. She stepped onto the edge of the dojo floor and bowed politely.

She strode to the centre of the dojo floor and glanced around in awe. Subaru had managed to find a nice large open space. He had a decently stocked wall of weapons for his students to borrow, and she was jealous of the neatly organized rack that her dojo lacked. She glanced up at the kamisa but didn’t recognize some of the instructors.

“So you like it?” Subaru asked her excitedly, “I called a girl I went to high school with to help me paint the place so it looked more like a traditional dojo.”

Haruka glanced over the walls. They had been painted to feel like they were made out of paper and wood and not dry wall. It was a very convincing illusion. She nodded her head in agreement as a smile stretched on her face.

“That’s not the only thing I wanted you to see either. I’ve got a surprise from Japan that I haven’t told anyone else about.” Subaru whispered excitedly.

“Hey Subaru why are we whispering?” she whispered back.

“I think it’s just because I’m excited,” Subaru responded with a laugh. He trotted across the mats and she followed to find a hidden alcove that lead to an office. Subaru gestured for her to wait outside and she waited impatiently. She shifted from foot to foot as she waited. She glanced over at the images on the kamisa trying to focus in on the unfamiliar ones to see if she could identify them.

He came back with a complete daisho in his hands. Haruka’s mouth jaw dropped in awe at the elegant pair of blades. They were old, she could tell that much. But they’d been well cared for, the years had not been unkind to them.

“They’re beautiful aren’t they? Grandfather gave it to me,” Subaru whispered to her his voice filled with awe, “He showed me how to properly care for them. They’ve been in the family for generations, and he asked that I carry them in our mother’s place.”

Haruka’s hands were itching to hold them, to feel their weight in her hand. She watched as Subaru marveled over them.

“There’s a lot of history in these swords Haruka. They had to be hidden during the world wars. I had to help Grandpa dig them up,” Subaru breathed, “They haven’t been used since the Meiji era. Since then they’ve just been for display.”

“The Meiji era,” Haruka repeated and glanced up at her brother excitedly.

“Apparently we had family members associated with the Satsuma clan, and family members associated with the Shinsengumi,” Subaru explained, “Grandpa didn’t tell me much more outside of that. We’ll sit down for lunch someday, I’ll tell you all about it. And then he’ll tell you more when we go.”

Haruka nodded her head. She was only half listening too entranced by the swords in front of her.

Subaru laughed at her excited face, “You’re just itching to touch these aren’t you?”

He passed her the katana, and the second the scabbard touched her hand she felt a jolt of electricity run through her. She felt the weight of hundreds of years and the lives this sword had taken fallen over her.

Her excitement was still there but she’d been hushed by the enormity of the seriousness of this.

It wasn’t as physically heavy as she’d thought it’d be. But the sword seemed to bear a soul of its own and that was what was heavy. Her right hand shifted over to the hilt and she wrapped it around it squeezing tightly. Her breathing was shallow as she held onto the blade. Exhilarated as if she’d just fought a battle. There was a great weight crushing down on her now.

“I knew you’d like that,” Subaru chuckled, “Now I know you’re just getting to know each other but I’m going to ask you to put the real sword away while I show you how to use it.”

Haruka handed him back the sword which he carefully stowed aside. She watched as he retrieved two wooden bokken. He tossed her one and she caught it easily. She’d handled a bokken a few times before in seminars and from a few impromptu training sessions with Subaru. But her hands more familiar with the feel of a bo staff or even a pair of tonfa.

“Alright, now for me to show you my new moves,” Subaru informed her. The two of them shifted to the centre of the training area and bowed respectively to the kamisa and then each other. Subaru began running her through some exercises. They practiced side by side with Subaru giving instruction. When he was satisfied enough with her technique the two of them worked on partner work.

Subaru of course was handing her ass to her on a platter. She was managing to hold her ground but she definitely wasn’t going to be winning any sword fights any time soon. She was good enough that she could block and evade his strikes. But not good enough to go onto the offensive without exposing herself. Her evasion and agility was mainly attributed to the other martial arts she knew. However, her lack of experience in handling a bokken was what held back her offensive abilities.

Haruka was the reason that they stopped practicing. She begged Subaru to give her a second to breathe. The two of them were both doubled over and panting for breath. Subaru was swiping sweat from his brow as Haruka sat on the ground feeling like she’d just dragged herself out of a boxing ring. She already had bruises starting on her arms.

“So, did that make you feel better?” Subaru asked her breathlessly.

“Totally. I feel like I could fight a ronin in a dark alley now,” Haruka panted as she collapsed back on the tatami mats exhaustedly. Her bokken stretched out across her stomach.

“I’m taking the daisho home with me tonight to show everyone,” Subaru told her, “So maybe after dinner I’ll let you practice with a real sword.”

“Sounds amazing,” Haruka replied and grinned, “So, lunch?”

Subaru laughed. The two of them got back to their feet and cleaned up the dojo space together. Once it was cleaned they bowed to the kamisa again and trotted to the edge of the dojo space. Haruka bowed as she stepped off the dojo floors and reached for her sneakers.

They were well-worn runners that could probably do with being replaced. She was planning on replacing them last month but had gotten distracted some shonnen manga Samantha had dug up at the local bookstore. The laces were mismatched from being replaced. The heels were decorated in notes from her friends written in sharpie.

Brother and sister clambered out of the dojo and into Subaru’s large pickup truck. He drove them to a nearby taco truck. Each of them put in a small order.

“Thank you for cheering me up,” Haruka told her brother with a grin.

“What’s a big brother for?” Subaru insisted. They drove home afterwards and Haruka realised her whole weekend had been used up. She’d have to wake up and go to school the next day.

After dinner she did go outside with Subaru to practice. Using a real katana for the first time was the closest to a magical experience that Haruka had ever experienced. For her this was her coming down the stairs in a dress and heels for prom night moment. Her breath as it slipped in and out of her was shaky in both excitement and fear. It was a true honor to hold such an amazing tool.

But it also made her feel like a child. It brought to light all of her inexperience and weaknesses. It reminded her that she was inferior to the previous owners of this blade. She was just a child playing make-believe. She wanted to make her ancestors proud. A fire was lit in her belly to train harder and impress the hands that had held this weapon before her.

She stopped when she was sweaty and exhausted with a grin she dragged herself upstairs to shower and collapse in her bed. She groaned the next morning and it took several moments of bargaining with herself to get out of bed. Yawning she dragged herself in front of the mirror to brush her teeth. She stumbled sleepily down the stairs to make a fruit smoothie for breakfast.

“Maybe you should have taken it a little easier yesterday sis,” Seth teased her.

She groaned and rolled her eyes, “Says the boy who spent most of yesterday sitting in an ice bath.”

The two of them snatched up their bags and slipped on their shoes to walk to school. Seth asked her about yesterday and she relayed the details of her time with Ethan and most of what had happened with Subaru.

“Do you think he’ll take me too?” Seth asked her.

Haruka paused she hadn’t thought at all about Seth yesterday with regards to the offer to go to Japan. He didn’t have any familial ties there. He was the reason that their father was never welcomed back by Haruka’s grandparents. But he still had emotional ties to go there just like her.

“Well I won’t go unless you can come too,” she assured him and gave him a side hug. They wandered into what seemed like just any other day of classes. Of course Haruka couldn’t wait for a moment alone to tell Samantha about her brother’s daisho. Samantha of course reacted like how Haruka expected, jumping up and down and clapping her hands as she squealed and Haruka joined in as well. As the two of them were getting out of class she got a voicemail from Subaru.

“Hey sis I hope that you’re feeling better over yesterday. I’ve got an idea to make you feel better, but first could you run my katana to the dojo for me? I want to talk to Sensei about a few things for tomorrow’s class. I’m also going to announce the opening of my dojo tomorrow.”

Haruka grinned and she texted her reply. Sure thing, I’m on my way home right now. I’ll do it then.

She only hung around long enough for her group of friends to gather together and they set off. The group shrank and shrank until it was just down to Samantha and Haruka. The girl’s laughed and chatted until it was time to part ways.

Haruka got home and stripped off her school uniform to get into athletic wear so she could go for a run when she was done her errand. She grabbed her brother’s katana and strapped it to her back figuring that would look less intimidating.

She set off immediately for her dojo. The sword thumped along her back. It felt like a stranger and a friend. The weight was familiar and it felt like she’d carried it a thousand times before. But at the same time it felt foreign and strange.

She was stopped at a cross walk thinking about that odd sensation, staring at the blinking red hand. An electric current was coursing through her spinal column and her hair felt like it was standing on end. The sensation was unnerving and making her afraid. She shifted from foot to foot as her hands fisted and unfisted by her sides. She glanced over to the pond over to her left.

“Help me!” a voice cried out and Haruka turned around looking for the source, “Please! Help me!”

She glanced around her confused her heart thumping violently in her chest. She did her best to get control over her breathing as she searched for the person who needed her help. Suddenly a hand slammed into her chest pushing her back as a girl ran past her.

“Someone help!” the terrified girl cried out. Haruka only paused long enough to register that the girl was wearing a furisode. She sprinted after the blonde beauty aware that there was something coming after the two of them.

“Let me help you!” She yelled at the girl. She caught up to the other girl easily and snatched her wrist. The girl’s brilliant ruby eyes swept up to hers and widened as they found Haruka’s sword. An awed sort of look crossed her features as the ruby eyes swept to Haruka’s stormy ones. Haruka wasn’t exactly sure how to explain it but she felt her heart thudded oddly in her chest.

“Behind you!” the girl cried. Haru turned putting herself between the girl and the threat.

There were several specter like creatures rushing towards them. If Haruka were to explain them she’d say demonic. The vaguely humanoid figures lunged towards them with their clawed hands.

“Get behind me!” Haru cried and faced the beasts down. She took a steadying breath and reached for the blade on her back. Her hand closed around the hilt of the sword just as the mysterious girl snatched Haru’s arm.

“I don’t have much time! You can’t fight those things! But I need your help-” she started in a rush but was quickly cut off as one of the specters unleashed a ghostly tendril that shot forwards and snatched her arm. The girl yelped in pain and without thinking about it Haruka drew her brother’s sword slashing down on the ghostly tendril. Black ink like blood splattered as the creature shrieked so loudly that Haru had to cover her ears. She and the girl stumbled back away from it.

The girl shook off the tendril that flopped around on the ground. Haruka lunged forwards with her blade to thrust it into the creature black blood spluttering on her face. She kicked the beast away and turned to face the next one.

“I came here to ask for you for help!” the girl pleaded with her. Haruka glanced back at her giving her a nod of assurance. Another creature lunged for the girl and Haruka went to intercept it. “I need you to-”

The girl didn’t have a chance to finish before the shadowy demon moved faster than Haruka could. Its hand slammed into her and Haruka was hurled backwards away from the girl she was trying to protect. She tucked her chin and pulled her arms in. She hit the pavement hard and rolled. She struggled up to her feet but just as suddenly as it had all started it was all over.

The girl, the creatures, all of it was gone except for the tendril still writhing on the ground. Haru shakily stumbled towards it sheathing the sword and reaching out for it. But as soon as her fingers stretched towards it the tendril disappeared.

She stood up spooked by what had happened, her heart pounded and her mind was racing madly trying to figure out what exactly had just happened. Her hands were shaking and her legs felt like jelly. But nonetheless she was relieved it was all over.

She wanted to sigh in relief but before she could her face was illuminated. She suddenly became aware of the blaring of a horn and screeching tires. The illumination had come from the headlights of an incoming truck. She heard the crash. Metal crunched as she hit the hood. Glass cracked when her head connected with the windshield.

She was knocked straight off of her feet. She felt the crack resound through her. The collision shattered her bones as easily as breaking glass. She could see the front of the truck that had just crashed into her.

Is that what’s going to be left of me? A dented bumper coated in blood? Her mind thought as she flew from the impact. The air was knocked from her lungs and she felt herself go numb. She flew over the street and slammed hard into the side walk before rolling down the embankment on its side and falling down into the river.

She splashed into the water bubbles flying up all around her. She involuntarily breathed in the water. It rushed into her lungs and she choked on it. Her vision was going blurry and darkening. She struggled to stay awake and tried to kick for the surface. Again she made the mistake of breathing in water. She felt as it flooded down into her lungs. And then darkness swallowed her whole.

[bloginstantmooncollector-blog]

Tip cheap car insurance for my 19 year old son

"Tip cheap car insurance for my 19 year old son

Tip cheap car insurance for my 19 year old son

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

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I'VE been vomiting and been feeling sick but i dont know what is causing it so i applied for health insurance and got approved. On the application, it askedif i was diagnosed with any illness and i was not. But if i go to a physical exam, telling them of my symptoms and do get diagnosed with something, can theinsurance drop me? I feel like i did not lie on my application because i dont even know if i have a disease but i am worried that they will say that i had a preexisting condition?""

Best deal for car insurance in london?

can somebody help me to find the best deal for car insurance in london for bmw 320d,se,1994 thanks and good week end""

Insurance rates?

How much will insurance be for a 16 year old driving a 2007 Dodge Charger in the state of California? By the way, I get the good student discount.""

""In Florida, How much (if any) will my auto insurance rate increase with 3 points on my license?

I got a ticket for improperly changing lanes and I'm electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

""I got a dui and i was told i need an sr-22, im already covered by geico insurance....?

ok im already covered but i want to know how much extra it will be a month having this sr-22 .. i know age a car varys ... im 19 but i do not know what car i would have yet but i juat want to know about how much so i can be prepared.

What is the cheapest/reliable car insurance company in Miami Florida ?

I have clean record, 34 years old.""

How can I afford car insurance (17 - 18 year old)?

Does anyone have any ideas on how to afford running a car, especially insurance which would be around 2500-3000 per year. I'm still in sixth form and plan to go to university so I only really have weekends to work. Is it possible to afford to run a car? How to people do it? Thanks""

How does uninsured motorist car insurance work?

I was hit, not my fault. First accident. The guy that hit me has insurance, but I guess im wanting to know if im going to have to pay out of pocket my deductible for my uninsured motorist even though he has insurance? (don't know how the insurance works)""

Tip cheap car insurance for my 19 year old son

Tip cheap car insurance for my 19 year old son

Auto insurance claim?

My car came out of the autobody shop this week and I paid my deductible based on the insurance. Now my insurance expires the same month. I am transferring the title over because I wont be in the states for next two years and leaving at the end of the month. Will I get a surprised invoice from the auto body shop because I didn't renew my auto insurance and the insurance company decide not to pay? Thanks in advance

What does depreciation cost mean when it comes to home insurance?

filed a claim to replace my floors.getting a check in 5-7 business days.it says i have 180 days to replace the floors,to cover depriciation cost.what does that mean exactly?""

Who offers cheapest auto insurance in ontario canada?

Please suggest the cheapest auto insurance company in Ontatio, Canada.""

How much do you pay for Auto Insurance A Month?

what do you pay a month on your auto insurance. and do you think it's to much or do you save money?

Choosing a good car which has cheap insurance---I live in CANADA?

Car choosing help--I LIVE IN CANADA.? I need help choosing a car that is going to be low insurance for me. I'm 22/female/college grad/part time worker/full insurance G / Went to driving school. Thanks in advance.

How much is my motorcycle insurance going to be in Alberta Canada(rough estimate) please help!?

Hi I live in Alberta Canada and i im 15 and have my learners, when I am 16 I am planing on getting my motorcycle license i have nothing on my driving record (crashes, speeding tickets, ect). The bike I am planing on getting is a 2010 Kawasaki ninja 250R and Im looking for a rough guess on how much it would cost to insure for a year. Thanks""

""525i First car, how much insurance?""

Hey, Im currently trying to get my driving lisence and I was thinking of buying a BMW 525i 1995 model as my first car, how much will the insurance cost approximatly? i know it will be expensive, but how expensive?""

""I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""

I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""

I need Auto insurance for the Yukon?

I am looking for a canadian auto insurance company for coverage in the yukon. Having trouble finding one online. Can anyone help? Thanks

How do I??? Register and insure a car in florida without a license

I need an interlock device installed on my car before i can get my license back, but i don't have a car.(need to show proof of it's installation before they will issue my restricted license) Can i register and insure a car in Florida without a license so i can have the device installed so i can then go get a license?""

Bad Faith Auto Insurance?

Should I hire an attorney for this?, I purchased a policy online a few months ago within the first few days that i had this insurance I had a storm and damaged my vehicle (minor) with hail damaged I submitted out a claim, appraiser was sent they covered the loss sent a check to me, now i take it to the bodyshop and try to have it fixed but they need a supplement, they contact insurance co. but insurance co, makes many excuses over this they state I dont have full coverage which I do, and it was verfied with them that i do, the next few weeks pass and then I finally get a call from a manager at the insurance company stating that they mistakenly sent me out a check because I made a false claim report, they said that they can tell by my pictures before policy was bought that vehicle had damaged (which is an excuse of denying supplement) and stated the the adjuster overlooked everything point here is that insurance co, cancelled my policy by stating underwriting issues, so now Im without insurance coverage, the manager also stated she reported this to the texas state but mentioned she could not put a stop payment on the check and that I could still use it to fix the car or cashout the check... I am really dissapointed at how all this was handelled, Im thinking about getting an attorney, I already discussed and this issue with the Insurance company and Im basicly told that I lied about the claim and they end my call... Should I wait to get an attorney or should I just get one and go from there? I believe this is bad faith insurance coverage, What should I do? I mean I still have the check it is not cashed out, I cant really do much with this check everyone charges an arm and a leg, can they file insurance fraud charges and if so even though I know I did everything right should I get an attorney?""

Why don't insurance companies insure holistic doctors?

It's kinda sad to me.. That the only doctors they will insure for are doctors that prescribe drugs. Is there any insurance companies that work for holistic doctors?

How can I get US health insurance for my (non US residents) parents (in late 50's)?

This is both an Immigration question and a Health Insurance question. My parents will start living in the US several months a year or more as legal visitors to live with us until they get green cards and can move here permanently. They are close 56, 59 years old. How do I go about getting them health insurance so unexpected health concerns don't ruin them, they can get their prescriptions filled w/o paying an arm and a leg, etc? Are there specialized US insurance companies that offer insurance to non-residents that's worth anything? I don't need the gimmicky travel insurance that won't cover anything or require outrageous deductibles and paperwork sent to some tax haven country ... I need a reliable US insurer who can be found, operates under laws of US, has customer service who can explain their policies, etc.""

Carr insurance with 2 years clean driving record?

I am planning to buy a used car my Driver liscence is 2 years old with a clean driving record i am wondering will i have to pay a lot of insurance or just minimal based on my record and DL. Please suggest which is a cheap insurance option

How much would insurance cost for a 17 year old?

I'm going to be seventeen soon and I'm just curious how much it will cost to insure me. My parents have USAA and they have some kind of family type plan with me my sister and both of my parents. I will probably be driving this car http://cgi.ebay.com/ebaymotors/2004-NIssan-350Z-custom-body-work-and-paint-/320645191467?pt=US_Cars_Trucks&hash=item4aa7f1572b#ht_930wt_1123 I don't care about your opinion of the car, and I don't need a lecture on the fact that I shouldn't street race I just want a ROUGH estimate of how much it will cost per year or per month or whatever you can find""

Does anyone know how much the government's health insurance will cost per month for families?

Does anyone know how much the government's health insurance will cost per month for families? Everyone for the bill is so happy because they finally get affordable insurance, but I have yet to hear how much they will really be saving compared to private insurers? Thanks!""

What is a reliable car with a low insurance group?

I've done a little research and noticed they put cars together in insurance groups - like 2e for example. Is the letter for the level of security - so is 'e' bad, for example and 'a' good? Could someone please explain the process, and as I've just passed (I'm 18) - could you name a suitable car for me - lower insurance bracket if possible?""

Best car insurance today?

I just got my car licence.. and I'm looking for a place to inform me about car insurances. Thanks

How much do you pay for car insurance if you're 20?

i need answers for a statistics project. anyone 20 years old please tell me how much of your premium are you paying MONTHLY??

Progressive insurance help?

im going to be getting my permit in a few weeks but i was wondering: will my parents' Progressive car insurance rate go up wen i get it?

Car insurance websites and Brokers? What's your suggestion?

About to hit that time of the year where the dreaded Car insurance renewal occurs. Just wanting your opinions on what would your best websites, brokers, advice will be for insurance. Who? Where? Pricecomaprison websites? discuss and help me in the process : ) Many thanks Incidently im 23 and have a 1.6vetec Honda Civic""

""Okay so sent off for my provisional license and thinking about cars and insurance now, just need a little help?""

Okay so I'm 16, turning 17 very soon and going to start driing lessons soon, but I need a car after that and I'm going to have to pay the majority of the insurance and the car myself. I only have a part time job where I work thursday evening and saturday mornings at like 6.00 an hour. What car is a good car for a person my age, what about insurance for that car how much is that going to cost? Overall what would you say is the total amount I should save up in order to get a car and decent insurance? Thanks :)""

Auto insurance claim?

My car came out of the autobody shop this week and I paid my deductible based on the insurance. Now my insurance expires the same month. I am transferring the title over because I wont be in the states for next two years and leaving at the end of the month. Will I get a surprised invoice from the auto body shop because I didn't renew my auto insurance and the insurance company decide not to pay? Thanks in advance

""Are there any good insurance companies who dont take part in comparison websites like confused, gocompare etc?""

Are there any good insurance companies who dont take part in comparison websites like confused, gocompare etc?""

""What insurance company insures the redskins, or fedex field ?

is there an official insurance sponsor for the redskins

Tip cheap car insurance for my 19 year old son

Tip cheap car insurance for my 19 year old son

How can I lower my car insurance rates?

I'm 17, and got a car a little over a month ago. My car insurance (with Gieco) is $250 a month. My mom's is $100. I'm on her plan, or something. I never took drivers ed (and with two jobs, school full time, and online classes, I most likely never will). I do have all A's though, does anywhere give a discount for that? I've got no tickets or accidents. Please help me find something cheaper!""

Car Insurance rate increased when I moved????

I recently moved WITHIN the same county and my car insurance rates increased because of the move. Should it increase even though I am in the same county???? It's seriously like 5 miles from my old house....

Drivers license and Insurance?

When you get your drivers license do you have to get insurance with it or do you have to wait until you get a car? Do you have to get insurance when you purchase a car? Also does the cost for insurance decrease when you turn 21? How much is insurance a month generally and in North Carolina? I know insurance is necessary though I just need the facts before buying it.

Where can i get cheap auto insurance in mass ?

OK. So I'm basically a new driver only got my licence about 3 months ago and now I'm buying a car. I am 20 years old and don't know if I am going to pay like 400 a month cause that's insane. Does anyone know a cheap auto insurance company or any where, where I could get help?""

Car accident with no insurance?

I'm 19, and the car I was driving was constantly breaking down. When it was completely broken for two months, I stopped paying my insurance and instead saved back money to get the car fixed. My insurance canceled during that time. When I got it fixed on Friday, I was planning on renewing my insurance Tuesday, a day I had off work. Unfortunately, Saturday morning I got into a car accident. I was turning out of my apartment entrance to get to a middle lane where I could then get onto another road, and somehow didn't see a car close enough to hit me. He t boned me in the drivers side. Somehow neither of us got hurt. My car is pretty much done and his car, while not as bad as mine, did get some split open damage. The ticket says the damage is worth 3,000. Since I had no insurance at the time, how will this get payed??? I have a court date on the 9th to discuss the fact of my no insurance...I'll have coverage by then of course, but I'd like to know what I should expect...""

Can I pay a AAA Auto Insurance bill online?

I'm in California but I don't know if that makes any diffrence.

How much is it to add a second car to the insurance.?

im getting my first car and im wondering how much it would be to add it to my dads insurance plan.It is a 1990 firebird

Insurance and financial help?

Here's the deal, I broke something that wasn't mine (on a trip) and was given a bill. I paid for it with my saving account. Why would my parents need a copy of the bill for our insurance co.""

What would be the cheapest auto insurance for me? i am 19 and drive a 1998 camaro z28?

What would be the cheapest auto insurance for me? i am 19 and drive a 1998 camaro z28?

Any advice on GAP Insurance?

Just signed up to buy new SMART car with Mercedes dealer on 1,000 deposit then 111 a month for 3 yrs with option to buy car for balance at end or hand car back. Finance guy has advised me to buy GAP insurance cost 300 for 3 years. (This is on top of normal insurance) Has anybody had any dealings with this or can they advise please? I would appreciate serious replies only THANKS A LOT""

Difference between health and life insurance?

Difference between health and life insurance?

Is it possible to get Car Insurance for a 17 Year Old Boy under 2000!?

Looking on GoCompare I can not find car insurance for less than 2K anywhere! Does anyone have any suggestions I can afford to pay 150 a month, not cheap but it's realistic. I found a company called Young Marmalade who can do it for that, but they also have restrictions which I could do without! Any help and suggestions would be appreciated :/""

""First car, low insurance group, modifications, help?""

Just asking for a few suggestions for a first car, second/third hand not too expensive 2000-3000 max, however i would like to add modifications to it such as alloys and lowered suspension. Have you any ideas for what car would be cheapest and if possible what UK driving insurance company? Thanks :)""

I need liability insurance for a small taxi company in NJ. Anyone have any recommendations?

I need liability insurance for a small taxi company in NJ. Anyone have any recommendations? Also need price quotes for both taxi car insurance or limo car insurance.

""No health insurance, now what?""

for the last 3months ive had numbness in both my arms and feet, i believe its a pinch nerve, as of now i have no health coverage until january cause i applied late for it through work. am i doing the right thing by waiting , i cant afford to pay for a doctor, medical bills are expensive, what would you do""

AAA insurance question.?

I signed up for insurance for a home when I bought it 7 years ago. I told them I wanted full replacement which is what you have to have in order to get a mortgage. 7 years ago when I went down there to sign papers I specifically told him that I wanted to make sure everything was at full replacement value and my husband wanted to make sure the roof had full replacement value. I told the insurance guy that he is a roofer so that was a main thing he wanted me to make sure we had. The insurance guy laughed and made a little joke about it. So now, 7 years later we had hail damage and guess what.. my house does have full replacement value and all our property inside has full replacement value everything but the roof. Hmmm..imagine that. So I am sure I signed papers without reading the contract, I just took his word for it. Is there anything I can do? I am going to report this to the local new station. The insurance guy out right lied to me. This is in oklahoma. Is there a district office in oklahoma? I googled it and couldn't find anything. Any help would be appreciated. Thanks.""

How much would my insurance be?

I am a 17 year old male and I'm looking a getting a ford mustang. I am trying to get a 2008 v6 4.0 L convertible is my car insurance going to be rediculously high?

How does car insurance work?

I got my driver's license last January when I turned 16. Our family only drives one car. My dad has insurance for our car under his name. Do I need insurance under MY name to drive the car too?

Insuring a new driver?

I will be soon getting my license (California), however I will not immediately be purchasing my own car. I am sixteen and I will most likely be driving one of my parents cars in the interim. Now here's my problem. My dad owns and e55 and my mom owns a 328. My mom commutes every day so driving her car is off the table. My dad almost never has to go anywhere in his car as he is currently on disability. The only problem is insuring me on the e55 will cost a fortune. My dad currently has the car insured under State Farm and their quick estimate say's I'd be paying nearly $600 a month. Now, I know there are multiple discounts I can apply for, but I'm not exactly sure what I'm eligible for. Since this would be a shared policy as a part time driver, would it be significantly cheaper? I'm just looking for options here, my dad wants me out of his hair but he also wants me to be paying insurance. I make enough that I could just barely afford $500 a month but that would leave me with no expendable income so.... help. Thanks.""

Would zero demerit points mean that my insurance rates wont be effected?

In terms of my driving record, etc?""

""Why after almost 4 years in office, can we not get affordable health insurance that was promised us?

I have a preexisting condition which makes it difficult to get affordable Health Insurance. I have found that it is better in some instances to have no insurance then to have it and not get quality coverage. The limited indemnity insurance does not cover what it is worth to go to the hosipital. Pays $100 on a $4000 bill.

""If i become knighted, will my car insurance costs be lower?""

If i become knighted, will my car insurance costs be lower?""

Is there an affordable health insurance plan?

Hey, I'm 17 years old and I have a baby. We both have MOLINA insurance. But my boyfriend who's 19 doesnt have any health insurance. He works full time and is about to be going to college part time. Well his wisdom teeth are coming in crooked and he cant get them fixed because it costs so much. Is there any health insurance plan that wont cost us an arm and a leg? And doesnt have a catch?""

Classic car ownership in the UK; apparantly there's an advantage over other cars such as cheaper insurance or

tax, or MOT, but I can't remember what...anyone know?""

How much do you pay for car insurance?

How much do you pay for car insurance?

Tip cheap car insurance for my 19 year old son

Tip cheap car insurance for my 19 year old son

https://www.linkedin.com/pulse/delaware-flood-insurance-michael-jones/"

[shamelessmilkshakepanda-blog]

Maxed out IRA...what about whole life insurance?

"Maxed out IRA...what about whole life insurance?

I have maxed my IRA and my employer does not offer a 401k. I am 28 and make 85k/year. Where can I invest my money for retirement? Is a whole life insurance policy the only option remaining?  Why is 15k the amount for 401k and only 4k for IRA's?

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

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Does anyone have any idea how much it will cost to insure a learner in the UK?

I am just wondering if anyone vaguely knows how much it would be for me to be insured on my dad's insurance so I can learn with him as well as an instructor? Thanks x

""Got into a small accident with my mothers car. She has insurance I dont, what will happen?""

I was driving my mother's car, was in a small accident. I rear ended a car in front of me at a stop sign. Completely my fault. There was no damage to both cars but the driver called an ambulance due to neck pain. A police report was made. What will happen next? She has full insurance for the car with Geico. Will the insurance rate go up? Will I have to pay any fines? Will I get into trouble for driving her car with no insurance? My mother wasnt feeling well I was using her car to run errands. Thanks!""

How much will insurance cost for a 16 year old kid with a licence.?

how much more will it cost to add him to his parents insurance, and its MERCURY INSURANCE""

Does insurance cost more if you have a sporty car versus a truck?

Guess im just wondering cause some of my friends with sporty cars talk about there insurance being high cause of that, or if it didn't matter what kind of car they have. Insurance is just based on the person not the vehicle...if that makes sense lol""

Question about suing car insurance company after auto accident.?

My mother was the passenger in a vehicle that was rear ended on the interstate a few weeks ago. The driver is a co worker of hers. They were both injured but not rushed to hospital. My mother suffered a fractured disc in her back and whiplash. The driver suffered from whiplash and torn ligaments in her neck. They are both still seeing a doctor. They asked me to handle this for them. I am not an attorney, but have sued the insurance company of the driver at fault before (state farm). It was all going ok, i had all paperwork needed and was asking for $9500 each including medical. The claim has been turned over to an impossible woman. She refuses to deal with me and wants to deal directly with mother and coworker. Should I hire an attorney now, and how much should we ask for/get? p.s. both are told by doctor that they will have long term therapy.""

What is the required age for a young driver to drive a VW T4 or T5?

What is the minimum age limit to drive either a T4 or a T5 VW van and does anyone know a rough estimate on how much the insurance would be?

What type of insurance is auto insurance?

http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm out of all these types which is for auto? and if i wanted to work in a place that sells life insurance do i have to get certified for that too?

Do you have to have insurance in you're 16 and only have a permit?

I'm 16 right now and i live in California. I really want to start the process of getting my license but my mother says we can't afford insurance for me. So I was wondering, do you have to have insurance even if you just have a permit?""

How much would insurance cost me?

Hi im 16 and an about a week im going to get my car the honda s2000. my parents wanted me to look around for insurance under there name? you guys know any cheap insurance companys? and how much do u think it would cost me a month?

Car insurance for dependent child with no car-(US)?

Do I need to add my son (age 20) to my auto insurance policy if he does not have a car and drives so very little!

Will an insurance company insure our home if there is a unpermitted cottage?

I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price. Thank you in advance.""

Looking for good medical insurance BUT AFFORDABLE?

i'm a senior age 62 wife 69,still working my medical insurance at work is 185.00 per payroll 307.00 per month it's killing where can i get good insurance but affordable.i live in california also i'm planing in retiring july 2013,i'll be 63, yahoo answers find me insurance i put my trust in answers people thank you gilley p.s. no kids""

Car insurance helpp!!?

Do you have to be over the age of 21 to be able to drive someone else's car on your own insurance policy, if that car has insurance and your are given permission by the driver. It states on my policy that i can but have herd multiple times that you must be over 21. Im with Co-Op. Thanks.""

Are there any car insurance companies that you don't have to give your SS# and DOB to get a quote?

If I get a good quote then I will give all of my information to that company.

Car insurance?

how much would it cost for a 16 year old girl, honor student & drivers ed to start a plan by her self, or would it be cheaper to be added to my parents plan? aslo the car would be a madza 3. THANKS :)""

Car Insurance Question?

Okay, can your car insurance go up if you get a ticket, a lawyer fixes it, and you get no points on your license? In other words, do you have to get points on your license for your insurance payment to go up?""

Will an insurance company know if I leave another insurance company without paying?

I am actually on my mom's policy, (we split the bill) and we are unable to come up with all the money they want(two months payments) totaling $1200.00. today is the cutoff day on our insurance now. she told me just to go to a different insurance company. her name is the name on the insurance we have now, so i don't think they will find out, or will they? please help!""

""How much would car insurance be for a f, pa, 16?""

how much would pa car insurance be for a 16 year old, female driver car suggestions: -mustang -X3 or any car on the hyprid/luxury end?""

Why are Pickup trucks so expensive to insure?

ok, I'm 17 and I own a 1999 Dodge Ram 4x4. I pay an insane amount for insurance, and I know I'm a teenager, but I haven't had any tickets or accidents to make it go up. Anyway, my truck is really common in my area, there are Ford, Chevy, and Dodge trucks everywhere you look. But yet I compare the insurance of my truck to a brand new Camaro SS, and the Camaro way cheaper, Heck I compared it to a Brand new Mercedes Benz CLS63 AMG, and it's still way cheaper. I'm thinking about getting a little newer Dodge Ram, but the insurance is a little more expensive on it than what I'm already paying. So why are trucks the most expensive vehicles to insure? I mean if they are in a low speed accident, they don't cost nearly as much to fix as a Brand new expensive car such as a Mercedes with expensive parts, and trucks don't get damaged as easily either. It's kind of frustrating that I have a 11 year old vehicle that you see everywhere, and the cost to insure it is outrageous already, but even If I get the same truck only 5 years old, it's even more to insure, which is understandable seeing how it's newer. I know trucks are big, but even a Brand new Suburban cost less to insure than my 11 year old truck. The truck I'm thinking about buying is the most expensive vehicle possible to insure on a standard drivers license.""

Why is my car insurance so expensive?

I am trying to figure out why my car insurance costs so much, and I am having problems getting a straight answer from any insurance company. In the last 5 years I have 0 speeding tickets, no dui's, and 1 not at fault accident. I am a 26 year old male with full coverage on an 07 Cobalt ls, so not even a sports car. The absolute cheapest insurance I could find is just shy of 350$ a month. Most companies wouldn't even cover me, and none of them would tell me why. So if anyone has any ideas of what could be causing this I would really appreciate it.""

Car insurance coverage?

The cancellation date on my car insurance was 10/11/09 at 12:01 am but on 10/11/09 I renewed the policy and received a reinstatement as of 10/11/09 12:01 am. but my car got into an accident on 10/11/09 - is my car covered?

Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?

Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?

How much would Liability cost on my car?

Im 16 and i just got my license. Me and my dad are gonna go look at a car tomorrow. its a 1999 mitsubishi eclipse GS with 130,000 miles. take in to consideration all of the basic things of a teenager nothing special just an average kid how much would liability in wisconsin cost? all my friends say they pay around 65 a month but than i went to some insurance website and it said some crazy thing like 850 a month... how much for an average 16 year old kid am i gonna pay monthly for liability?""

""After the insurance adjuster gives an estimate on the damages on my car, whats the next step?""

My car was hit by a van and the vans insurance company is paying for everything. I recently got a call from a body shop saying they received the estimate cost for the damage of my car. My question is: if I find another body shop to fix my car for less then the insurance company estimated, what happens with the left over money? Do they keep it or I do?""

What is the cheapest motorcycle insurance?

what is the absolute most shitty dirt cheap motorcycle insurance you can buy in the state of california?

Maxed out IRA...what about whole life insurance?

I have maxed my IRA and my employer does not offer a 401k. I am 28 and make 85k/year. Where can I invest my money for retirement? Is a whole life insurance policy the only option remaining?  Why is 15k the amount for 401k and only 4k for IRA's?

Is my daughter covered under my car insurance?

My 18 year old daughter finally got her drivers liscense (how i do not know) She has had it for four days. Last night I let her drive before I put her on my car insurance. She hit a car . I wanted to pay the guy out of my own pocket but it looks to be $4000 in damage. Im pissed .

Obamacare starts in three days. will more people have health insurance or less?

an estimated 5 million had their health insurance cancelled because it did not meet the requirements of the Affordable Care Act. The administration says 1 million signed up for Obamacare you do the math http://www.hhs.gov/healthcare/facts/blog/2013/12/enrollment-surged.html

What is the CHEAPEST car insurance for a 21 year old male who never had his own policy?

What is the CHEAPEST car insurance for a 21 year old male who never had his own policy?

Will my monthly premium for car insurance go up?

i have a brand new car 89 mi only which i damaged when i backed out of the garage. body shop and insurance co.said amount is $4300 to repair. i definitely cant afford to pay out of the pocket .i am a first time car owner and a new driver. how much do you think will my mo. premium go?i live in california by the way

Do you need auto insurance to ride and motorcycle insurance to ride a motorcycle?

Ok i have a couple questions But first off all im 15 1/2 (all ready have motorcycle and car permit) 1) when i get my license do i have to buy auto insurance to have motorcycle insurance, Because my dad said to have your license and to ONLY drive a motorcycle you need both insurances. (even if i dont drive a car) 2) do i need to have motorcycle insurance to drive a motorcycle with a permit? (since you dont need car insurance for driving with a permit) Thank you!""

If the point in my license won't affect my insurance rate?

I received a traffic ticket for not stoping at a stop sign. I registered and took traffic school I also Completed it. I followed up with my court and my case was dismissed but, I wanted to know if the point in license would be gone ?""

Pulled over with expired car insurance.?

I was pulled over and asked for my car insurance.It turns out it was expired.I didn't notice since I have been up to date with my payments every month and the insurance company never contacted me to remind me. My insurance expired in September. I got a ticket for it. is there something I can do? even if it expired, does it still matter that I kept paying it?""

Cheap health insurance?

anyone know of any cheaper health insurance (maybe like $ 50/mo) i am a single student. i know my school provides insurance in case of emergency. but i am looking for something to help cover my prescriptions & doc visits.

Does planned parent hood accept health insurance?

does Planned parent hood accept health insurance ? if they do does anyone know if they will accept aetna health insurance?

Car insurance question?

My car is currently under my parents name any under my parents insurance. It was a gift from my parents but we never bothered changing the ownership over and it wasn't a big deal since we live in the same home. I am planning on moving out soon, do I need to have the car put in to my own name to get my own insurance and to make it legal? I've heard that continuing to pay through their plan without living in there house would make it void. If I don't change my ID right away would it still count as me not living there?""

Can I purchase a car in my name but put the insurance in someone else's name?

I plan on purchasing a car soon, but I want to put it on my fathers insurance because it would be cheaper to pay. Is that possible? also does it depend on the state that you live in? If so can someone tell me for the state of Virginia? Thank You.""

Health insurance after you've turned 18?

My mother receives Social Security checks and insurance (She had cancer, and can't work due to other conditions brought on by the chemotherapy) and because of this, I had medicaid. I turned 18 last month and I'm wondering if I automatically get cut off from her insurance, or if I stay on the plan because I'll be a student in the fall. I know the system for this changed recently, so I have no idea if I still have insurance or not.""

When will I need to buy additional business insurance for my car?

I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. What happens if I had a car ...show more

I'm stuggling to find car insurance HELP!?

I'm 21 and i past my driving test in may 2011 and got my car in july, I was insured by swiftcover for 145 per month but then I become ill and had to leave work so I couldn't afford the payments and decided to cancell my insurance til I could get back to work, but when I tried to renew my claim with swiftcover then said their policies have changed and they can no longer provide insurance for people who have been driving less then 4 years! So now every other insuance company want around 250-280 per month and I just can't afford this. Do u know any cheap insurers that take on young drivers in the UK, HELP!""

Where can I get scooter insurance?

I am looking for insurance for a 150cc Scooter. I can not find any companies that want less than $1500 a year. Geico quoted me that, but I think they thought I had a motorcycle. Any ideas on companies?""

What car would cost more to insure?

A used 2003, 2005 Mercedes Benz C230 or a New Mitsubishi Lancer? im a teen and yes i kno insurance is expensive and so thats why im asking b4 i get a car.""

Where can i get a gyno check with no inrurance and very low budget?

i really need to get a check up at a gyno. for the last 5-6 months ive been having a very irregular period. i never had problems with that at all. ive heard that stress and extreme dieting could be the cause but as far as that goes i am a normal and healthy 22yr old women. its just frustrating on me and my boyfriend. eeevery month the same thing... im late for my period... sometimes up to 3 weeks. i even skipped my period for 2 month straight in january. i dont have insurance and and a very low budget as i mentioned above, so if anyone knows where i can go to or what to do pleaselet me know. :) thx!""

What type of car business insurance do i need?

i have a small take-away business and i want to let my employees to drive my car. i have 3 cars for my business. can you please give me list of websites

About how much will ensureance cost me?

Heyy ya'll, I'm 15 (ill be 16 next month) and I'm saving to buy a car next year! My mom says since I'm young they're going to charge me more for insurance, so what I want to know is about how much will they charge me a month since ill be 17 when I buy the the car?""

Is the premium the only determinant of how much your health insurance costs?

Does the deductible matter? Does a possible subsidy change things? And most importantly, are you taking into account what you would have to pay out of pocket for things your junk plan does not cover? In the long run, even if your premium goes up but you get better coverage, you will save money.""

Is health care in the US affordable to everyone?

If not, then why is so many people opposed to free universal health care like in France, UK, etc? How many of you can pay $100 doctor visits or (god forbid) $500,000 surgeries, not counting expensive prescriptions?""

About how much is high point auto insurance a month?

Well, I just recently got my license and I wanted to buy a car, but my mom said that it's a bad idea and one of the reasons is because of how expensive insurance is. My friend told me her insurance- high point- is only 60 dollars a month. I'm not sure if that's true, because that sounds really really cheap. Does anyone have this or know approximately how much this auto insurance would be a month?""

How do i become an insurance agent in california?

How do i become an insurance agent in california?

Why is auto insurance cheaper in quebec than ontario?

Why is auto insurance cheaper in quebec than ontario?

I need motorcycle repair dealer insurance?

I have a harley repair shop.I am looking for shop insurance in the state of MO.

Maxed out IRA...what about whole life insurance?

I have maxed my IRA and my employer does not offer a 401k. I am 28 and make 85k/year. Where can I invest my money for retirement? Is a whole life insurance policy the only option remaining?  Why is 15k the amount for 401k and only 4k for IRA's?

How to get cheap car insurance at 19 ?

I passed my test on the second of January at 19, i have been looking at getting a ford fiesta , or a vauxhall corsa for around 500-1500. i might go on to do the pass plus but not sure if its a waste of money. Anyone got any tips on how to get cheap car insurance ?""

Will the 2010 honda fit be considered as a sports car to insurance companies?

Thinking about getting one of these, but I'm a little worried that insurance cost is gonna be high since it's a hatchback. It is a sedan with 4 doors though, would insurers still see it as a potential car that might be used for racing?""

""How much is a speeding ,no insurance,and without id ticket can cost in Augusta Georgia?""

my daughter was caught speeding,no license,no insurance,how much does the tickets total?""

Is state farm a good insurance company?

just wonderin, anyone got any advice on a good one?""

Aussie car insurance?

who are the cheapest car insurance company for aussie p platers also.. are there any companies that offer reduced term cover.. id like 6 months insurance so i can take up a years insurance once thats finished to break up insurance and rego

Insurance for motorcycle?

i live in Montreal Quebec, and would be around 18-25 years old would a Kawasaki ninja 250 (250cc sport bike) be more expensive than a 800cc cruiser? cuz i was originally intresetd in the 250 because of its fun factor and etc... but my uncle is saying that insurance would be a lot because it is a sport bike and i would be still young, so its better to get a cruiser (sportster style bike) because it is heavyer, stabler...and will cost less to insure. but im a little skeptical because a 250cc engine really is not fast (compared to the 600cc sport bike) and a guy on youtube said that his friend pays a little less than half of what he pays for his kawa. 900 custom""

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.""

Can i get my own car insurance policy at 16?

i would really like it if someone could answer this. i coudnt fint the answer i was looking for online so i came here. if you guys are going to say it has to be under your mothers its not happening shes a *****. my dad has a car at his house thats mine he just doesnt want to give me the keys tell i have insurance and my license. but im getting my license in a few months. so if you can tell me this answer thanks, and can you give me a average price. and i know they do it based on the car so if i had an 06 nissian sentra with moded parts, and ome rims and a body kit would there be a difference. thank you so much for the people that are going to answer this""

Auto insurance for teen questions?

okay so for my 17th birthday (when i get my G2) i want to buy my own car. I've done a few quotes and found Im going to be paying practically 10k per year...more than the cost of the car! however, if i was female it would be like 4k. would it work if i had the car registered in my girlfriends name and the insurance in her name, but i paid and i always drove it. if i was pulled over i'd just say Im boring my girlfriends car? is that legal?""

What's the purpose of insurance?

What's the purpose of insurance?

Vehicle insurance question?

If I make a buisness delivery in my personal vehicle and have an accident, will my insurance cover me?""

""Who has the cheapest car insurance in Houston, Tx?

I have Geico right now.. I am a 17 year old boy who has a car accident on his record (in june 2010).

How much is car insurance for a 16 year old?

It is a 1998 ford explored 4.0l engine 2wd. I bought it for $2800. About how much is it going to cost for insurance a month. my parents have state farm

Car insurance for a G37?

I am under my parents car insurance, i havent been in an accident and have no point on my record. I also have all a's and b's. I currently have AAA and have been driving for 2.5 years.""

Auto Insurance rates?

Is there a web site where I can see how a particular type of car rates for insurance vs another car?

License in insurance?

What would it be for? How would I go about obtaining one, and is it a solid field to get into? I currently work in member service for health insurance and am looking into getting into a different type, but I see a lot require a license in insurance.""

What to do with my auto insurance?

hello I plan to give my 18 year old daughter my car and I plan to get another car. Does anyone know how does this work. I mean I not only will be putting her on my insurance but I will be adding another car. Will I have to pay double because of this? Or would it be cheaper for her own insurance and if I should leave the car I am giving her in my name or put in her name?

Is there anyone in california that helps people with claiming insurance from the other party's insurance compa?

My wife and I were crossing the street in San Francisco when we were run down by a cab. Police report says cab driver is at fault. Problem is we're about to head back to our country (we're tourists) and need help settling obligations with the hospital by claiming damages from the cab company's insurance company. While we're back in our own country. Is there an office that assists foreigners with claiming?

Where can I get E&O insurance at a reasonable price?

I am an insurance agent working through an agency. I need E&O insurance before I can sell certain policies. I'm looking for easy, affordable coverage.""

Esurance insurance question?

Hi, I was looking into getting car insurance, and Esurance gave me a great quote for NYC. Can any one share any experiences with them, I wanna know what kind of company they are, how they deal with claims, and just over all how the company is. Any help would be appreaciated. Ty""

Car insurance for a 17year old help?

I just went online and was quoted 8grand to get insured to my dads 1.9 tdi VW Bora, would it be cheaper to buy a cheap car for a grand which is a 1.2 petrol engine and get that insured or should i stick to my dads car which cost 8 grand to insure? which one would end up being cheaper for me?""

Insurance pricing?

i bought a car and need to put plpd insurance on it but i do not have much money and have a lot of points on my lisence i am over the aloud amount in my state. how much would it cost for plpd insurance? i need the cheapest possible and my car is 17 years old and is only worth $200.

2005 Mustang V6 Insurance?

I'm 20 years old, have a clean driving record, and qualify for most merit-based discounts (no wrecks, good grades, etc.). I'm currently driving a 1998 Pontiac Grand Prix GT with a 3.8L V6, and paying about $800 per year listed as the primary driver of this car. I cannot possibly stress enough that I know having a newer car that I am still making payments on will increase my insurance. My question is basically if the change in price will be drastically higher than if I got full coverage on my current car. I was thinking I could expect somewhere in the range of $1500 - $2000 per year. Is that about right, or am I way off?""

Is Matrix Direct a good ins company?

Is Matrix Direct a good ins company?

What are the requirements to become a licensed insurance agent in Texas?

I have applied at GEICO and I want to know what the state of Texas requires, besides taking the exam, to become a licensed insurance agent.""

Maxed out IRA...what about whole life insurance?

I have maxed my IRA and my employer does not offer a 401k. I am 28 and make 85k/year. Where can I invest my money for retirement? Is a whole life insurance policy the only option remaining?  Why is 15k the amount for 401k and only 4k for IRA's?

Alternative ways to insure a car?

Im 17 and looking for car insurance someone told me that you can insure it by giving some company a certain amount of money around 15k and then at the end of the year they would give u it back, however if you were to claim, the cost would come out of the money you gave, is this true and anyone know what its called if it is? ty""

""Brother got speeding ticket in my car, does my insurance for my car go up?""

so i let my brother drive my car, and he's a pretty safe driver, however he got caught doing 69 mph on a 55 mph in north carolina. i understand that he will have to pay a fine/get points on his license. will the insurance on my car be affected? my brother is actually not listed as one of the drivers in the insurance (my mom and i are listed as the main drivers- both of which have never gotten a ticket/motor offense).""

Who should get my fathers life insurance?

My father passed away on Jan, 5th 2013. He has a paid in full policy amounting to $100k. When we figured out that my mother (his ex wife) was left the sole benifecary, we filed a claim. The insurance provider (John Hancock) denied our claim based off of a CA law that states if the claimant had been divorced, they essentialy get nothing. However, it clearly states in their dissalution of marriage, that life insurance should not be affected. My father would have wanted his children to have this...What action can I take, or should I just forget about it?""

Best place (in australia) to get car insurance???

hey ive just finally bought a car now i want full comprehensive insurance weres the best place to go through? like aami,racq,nrma,real....etc thank you.""

What is the best car insurance?

What is the bestt car insurance for an 18 year old?

The anybody have auto insurance with the general auto insurance?

I'm looking for a cheaper car insurance, I have progressive it suppost to be cheap and now it can higher. I heard about the general but I want to know if it really cheap. Anybody""

How much does it cost to insure a 1999 Audi?

I am a 16 girl and just bought a 1999 Audi in Vermont. How much will it cost to insure the car?

Appropriate and affordable health insurance for my autistic son?

Here is the situation: My son is seven and severely autistic. He lives with his mom (we are divorced). As part of our agreement, I take care of his health insurance and medical bills, co-pays and things related to his medical care. I pay for insurance for him thru my employer, around $280 a month, just for him. However, although it is pretty good for office visits, it is really bad for hospital. Because he is autistic, he has to be knocked out for some procedures that he wouldn't normally be knocked out for. Recently he incurred a $9000 bill, which the insurance company wont pay because he already maxed out his hospital indemnity for the year. I feel that the time has come to provide him with some sort of hospital indemnity, but I can't find any that I can actually afford. I don't make very much, I make enough to pay his regular health insurance and his child support, and the occasional doctor bill. But I don't make enough to pay the huge premiums that a regular hospital indemnity plan has. To add another wrinkle, I live in New York, he lives with his mom in Connecticut, she is the one who brings him to the doctor/hospital, I'm just the one who pays for it, which I am happy to do. But the problem is, that anything available with NY, only covers providers in NY. CT wont work with me because i do not live there. Am I screwed (as in I have to pay 900 per month in hospital insurance), or is there something I can do? By the way, I make about $36000 per year, not a lot for New York. I just want to provide the best care for my son, but I need something I can actually afford""

How do I know if my health insurance premiums are pre-tax or post-tax?

I am using H&R Block tax software and they are telling me to enter my health insurance premiums that I have paid for this past year to claim them as deductions. They say NOTHING about whether or not they can be pre-tax or post-tax. I keep reading everyone else saying that they cannot be pre-tax premiums in order to claim it. I have no way of knowing if the premiums I have been paying are pre-tax or post-tax. It does not say it anywhere. My wife and I are both employees of the state. Thank you.

What do you belive is the best insurance agency for teens?

I am a 16 year old who needs insurance. I plan on get a new car in a month which is my 17th birthday. The only problem is, I need to know what agent is the cheapest.""

What happens if you get in an accident and your insurance relapsed?!?

We got into a small fender bender and our insurance was expired. What will happen to us?! We renewed that same day RIGHT after the accident.

Amica car insurance........?

I heard this is the cheapest auto insurance out there and wanna ask what makes it so cheap and what do you need to qualify I want to insure my dodge stealth if that helps thanks in advance

How much would car insurance be on a Mini Cooper (approx) for a 1st time driver?

I'm a 20 year old female in London. Hoping to take my test soon and just curious about insurance on a Mini Cooper! (I know it's expensive!) thanks x

Do I need to have insurance or proof of insurance when renting a car?

I'm planning on making a trip to Chicago. I have been wanting to go on a road trip for a long time. And I am afraid of taking a bus or going on a plane. A plane ticket costs a little bit too much for me. I'm 21. I currently do not own a vehicle of my own. So I am considering renting a car. I'm just wondering if I have to have car insurance in order to rent a car. I've never done this, so I have no idea what kind of things are required in order for me to rent. I've got my driver's license and a clean driving record. I don't have a line of credit. I don't have any credit cards so I hope there's no credit checks involved. Also, what's a rental car service that you would recommend? One that is cheap, honest, reliable, etc. My budget is $300. I'm going to meet a friend in Bartlett who is going to help provide me with lodgings so my only expenses to consider besides the car, are fuel and food costs. Thanks.""

Any car insurance which insurances foreign cars?

Hi! I live in Italy and I am italian. I heard that there are some english insurance which insurance cars and people in foreign country. Is it real? do you know anything about that? Could you give me some advice about that? I am waiting your answers! Bye!

Insuring a new driver?

I will be soon getting my license (California), however I will not immediately be purchasing my own car. I am sixteen and I will most likely be driving one of my parents cars in the interim. Now here's my problem. My dad owns and e55 and my mom owns a 328. My mom commutes every day so driving her car is off the table. My dad almost never has to go anywhere in his car as he is currently on disability. The only problem is insuring me on the e55 will cost a fortune. My dad currently has the car insured under State Farm and their quick estimate say's I'd be paying nearly $600 a month. Now, I know there are multiple discounts I can apply for, but I'm not exactly sure what I'm eligible for. Since this would be a shared policy as a part time driver, would it be significantly cheaper? I'm just looking for options here, my dad wants me out of his hair but he also wants me to be paying insurance. I make enough that I could just barely afford $500 a month but that would leave me with no expendable income so.... help. Thanks.""

Motorcycle Insurance?

If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it?""

What would be a good FIRST CAR?

i'm a 15 year old who has a birthday a little ways away, but i'm trying to get a good idea of what i might get for my first car. my preferences: -nothing the cops would pull over late at night for suspicion of younger driver. i plan on sneaking out, and my city has a curfew, for everyone 16 and under. -i would LOVE for it to be rear-wheel drive. this isn't really needed, but i'd love for it to be. -my parents are spending no more than $10,000 on the car, and it'll be have to be used. -airbags. (parent requirement.) -insurance can't be too high. as in, not sporty. nothing like a mustang or anything along those lines. -it can't be BMW, jaguar, infiniti, cadillac, lexus or anything like that. my mom said they're snobby or grandma cars. -no SUV. (also parent requirement.) -i'm not a hatchback fan. -GOOD GAS MILEAGE!!!!!!! cars i had in mind were: nissan altima mitsubishi lancer mazda3 ford focus honda accord i'd like for you to mention the year of the car, too, if you know it.""

How to get cheap insurance without no claim bonus?

Hi basically I had been a additional driver on my brothers policy for 3 years and I do not hold any no claim bonus as it was on my brothers name. I want to get insurance done on my name now but I am looking for any good deal being a only driver with no claim bonus as I have no accident history, I have clean record of driving so any ideas on how to sort it out cheap let me know thanks in advance :)""

Motorcycle Insurance?

My son has had his motorcycle in storage and has been paying insurance on it. He has had to pay for monthly insurance as if he had been driving it. Is this right?

Where can I get affordable insurance for my girlfriend?

There could be a chance she might be pregnant in the future. Where can I get affordable maternity insurance?

Ford focus insurance?

any one know which type of ford focus has a low insurance group, i am looking to buy one soon but want one that has a cheap insurance policy, i am thinking of a focus ghia 1600 or 1800cc around 03 reg, any help please

How can immigrants over 65 afford health insurance in the United States?

Federal employee looking to rotate back to the States and take my in-laws who are 73 and 75. Cannot get Medicare until they have been in the U.S. for five years Any suggestions?

""How much do i have to pay to cancel my auto insurance, if the vehicle is parked?""

My vehicle is currently parked and has parking insurance, this vehicle has been parked for over a week now, but i currently found some cheaper insurance and i would like to cancel my insurance, how much will it cost me to cancel it.""

Insurance on a 1998 Toyota Camry 16 y/old about to be 17?

Ok so i need your help. I am 16 years old and about to be 17 im going back to the u.s. and have a old 1998 toyota camry waiting for me (btw yuck) ok and my parents said to drive this until my insurance lowers and theyll get me a new car by graduation which is next june. So my question is how much do you think my insurance will be? Its a fairly old car and not in a good condition and i have had 1 accident which was pretty big but not completly my fault like 60%

Maxed out IRA...what about whole life insurance?

I have maxed my IRA and my employer does not offer a 401k. I am 28 and make 85k/year. Where can I invest my money for retirement? Is a whole life insurance policy the only option remaining?  Why is 15k the amount for 401k and only 4k for IRA's?

https://www.linkedin.com/pulse/purchasing-car-insurance-alexander-robertson"