#main never goes directly to what id consider first but that pays off in the end

[hopeheartfilia]

i was like "if youre looking for medieval books i suggest you try the church - they often provided the highest education one could get" and now main has joined the church

[lightsovermonaco]

His Good Sweater: Chapter 18

Masterlist

Thanks to @acollectionofficsandshit for being my bestie and beta reading! This would have never happened without her ❤ Make sure you read Roman Profile, set in the same universe!

Word Count: 7.6k

Abu Dhabi holds a special place in Pierre's heart. The food is great, the views are spectacular, and there is always plenty to do to keep him busy. Night races are some of the more exciting races too and Pierre appreciated the variety.

Coming into the final race of the season, Pierre holds on to seventh in the championship by a few points. Perez sensed the usurper creeping up on his seat and had cranked it up to eleven. 

Exams had kept you in London for the race in Brazil, where Pierre had finished sixth and Checo DNF'd. You had managed to fly out for the weekend in Saudi Arabia, where Perez had finished fifth and closed the gap to Pierre to only four points behind. 

If Pierre didn't finish ahead of Perez this weekend, he was fucked. And he was at the distinct disadvantage of his good luck charm being absent, stuck in London finishing up your final few exams of the semester. Two weeks without seeing you coupled with barely hearing from you had worn on him. It wasn't purposeful on your part but Pierre's stress was already compressed like the suspension on his car. Stray an inch too far over the racing line, hit a curb too hard and it was liable to snap, sending bits and pieces flying.

Pierre checks his phone for the millionth time as he waits to check in to the hotel. Wednesday was late for this many crew members to be arriving. His main concern though was that you hadn't responded to the text he'd sent you upon landing.

"Look lively, will you?" Max claps Pierre on the shoulder and he slides his phone into his pocket. "It's the last race of the season. We get to go balls to the wall and leave it all out in the track. And here you are looking like a kicked puppy."

"Easy for you to say," Pierre starts, grinning at his friend. "You clinched the title weeks ago. You don't even have to race this weekend if you don't want to and you'd still win."

"Doesn't mean I won't be shooting for a podium."

Pierre rolls his eyes. "Yeah well we can't all be so lucky, can we?"

"Next year you'll be playing with the big dogs." Max hands the receptionist his ID, says a few words and turns back to Pierre. "Looking forward to having you as a teammate again. It was fun for those couple races and I'm sure you'll be a challenge now that you've found your groove."

"You're gonna jinx it if you keep talking." Pierre laughs, praying that it covers up the old wound Max's statement picked open. Pierre hated the idea of moving back to Red Bull but he didn't have much choice. He was still contracted to one of four Red Bull branded seats for next season. A promotion, at the very least, would help him showcase his talent and further cement his value. If he had to spend any longer than that with the team, ripping out his hair was a real possibility.

"Wasn't someone supposed to be with you this weekend?" Max quirks a brow. "Where is she?"

"In London." Max bringing you up doesn't help the pit forming in Pierre's stomach. Win or lose, seventh or eighth, Red Bull or Alpha Tauri, come Sunday Pierre wanted you at his side. Interview requests were bound to roll in either way and Pierre would need someone to ground him, a task much easier to accomplish if you were physically at his side.

"Too bad." Max clicks his tongue and takes his room keys from the receptionist. "It's gonna be a fun weekend."

"I don't think-"

Pierre's vision goes dark at the same time someone whispers, "Guess who?"

Pierre sucks in a breath, spins on his heel and wraps you in a hug in one smooth motion. You laugh as he lifts you off your feet and presses kisses to your cheeks. 

"What are you doing here?" He grabs both suitcases and tugs you aside. His room can wait.

"Tost asked me to come." Your grin is contagious, its twin appearing on Pierre's own cheeks. "He said that since you were flying out from Milan on your own there was an extra seat on the jet, so if I got myself to Nice I could fly out with the Red Bull boys."

"Seven hours trapped in a tin can with Max, Yuki and Checo?" Pierre rubs his chest. "I've got heartburn just thinking about that."

"It wasn't so bad," you say, finally giving him a proper kiss. "Yuki and I just played games on our phones the whole time. And I beat Max at Scrabble."

"How many Dutch words did he try to use?"

"Mmm, about half the words he tried were definitely not English."

"Yep, sounds about right." Pierre throws an arm around your shoulders and leads you back to the reception desk. He pays for an upgraded room when you aren't looking- though when you're assigned a suite there's not much higher you can go- and slips the woman behind the counter an extra bill for good measure.

"I could use a nap," you note, leaning against Pierre like you'd otherwise fall over. "I didn't get much sleep last night."

Pierre checks his watch. "We've got time for a nap."

"We?" Your raised eyebrow is question enough. Pierre smiles and swipes his key card once you're in the elevator with him. He hadn't looked at the price of the room but he was positive it was more than he'd spent on a single night in his entire career, considering it occupies an entire floor of the swanky hotel.

"It's date night," Pierre says simply. Initially his plan had been to invite Charles over for a game of Fifa but the Monegasque wouldn’t fault him for cancelling at the last minute. "We're in one of the most luxurious cities in the world and I'm going to show you off every chance I get. The restaurant down stairs is to die for."

Your attempt at nodding along with what he says is thwarted by a yawn. "Sleep first, eat later." Seeing as it was impossible to deny you, Pierre simply drops a kiss to the crown of your head.

"Wait until you see our room." The way your eyes light up when he says our room makes him want to say it again and again just to see you sparkle.

"I know you upgraded it, Mr. I-think-I'm-sneaky." You uncurl yourself from against his arm when the elevator chimes. "How much did it cost?"

"A few extra pennies."

The stainless steel doors open directly into the suite. The living space is dominated by a curving crescent of full length windows overlooking the cerulean harbor and the jagged steel of the city skyline beyond. Suitcase forgotten, your jaw drags along the floor as you toe off your shoes in favor of sinking onto one of the half moon couches situated around a low coffee table.

"Did you get some sort of bonus you didn't tell me about?" Pierre sees your inner engineer cataloging the chandelier dripping crystals over the carved dining table and the pattern of the black veined marble flooring. "This cost more than a few pennies."

"I didn't really look at the price so it's possible," he admits. In the end it was worth it to see you like this, happy as a pig in mud. Pierre was in his element at the track you were in yours in beautiful buildings. For all Pierre cared you could be sharing a dingy room at a motel; it would still be five star worthy with you there. 

Every once in a while though, you deserve a bit of pampering for all you put up with. Late nights and months apart wasn’t easy on either of you, but you stuck by him. And when the day comes that Pierre retires or loses his seat, you would be the one there to comfort him. Spending frivolous amounts of money to see you smile was nothing in the grand scheme of things. 

In Pierre’s world, money is temporary, you are forever.

"Well I have half a mind to tear into you for spending so much on a room we won't spend all that much time in," you start, your star-speckled gaze landing on Pierre, "the view is too pretty to be upset about."

"Mine isn't half bad either." You laugh, tucking an errant hair behind your ear. You both know he isn’t referring to the glittering bay or the expensive furnishings.

"Up," Pierre demands softly, holding out his hand. Your hand is warm and dwarfed by his long fingers but you barely seem to notice. The heart in his chest pounds for no discernable reason as he leads you down the narrow hall past doors leading to what he can only assume are bedrooms and bathrooms, to the one at the end of the hall. Based on his mental floor plan this one has the best view, if he's guessed correctly.

Your breezy oh confirms his hunch. You stutter at the threshold, coming up short behind him to bathe in the beauty of the sea, dotted through with white sails. Sunlight twinkles off the waves and if he breathes deep enough, he can almost smell the salt.

"Come on," Pierre says with a chuckle, urging you to fall into the fluffy down of the bed with him. You follow reluctantly, too enamored by the sights to pay any real attention to how Pierre arranges your limbs to his liking, your head resting on his chest and your joined hands laying atop his stomach.

"How about that nap?" He murmurs, running the fingers of his free hand through your unbound hair. 

You sigh and snuggle in closer. It was rare that Pierre had the opportunity to steal moments like this during a race week, when he had nothing better to do than tangle himself in you.

"I'll tell you a story." 

Just as he expected, you leap at the offer. "Can you tell me the one about the time you and Charles got in trouble when you were karting?"

Normally he opts for something fictional that allows him to embellish the details to fit his narrative. Pierre loved spinning tales rife with laughter and intrigue but he also didn't mind indulging your curiosity.

"Yeah, I can tell that one. Let me set the scene. It's midnight on a Friday at a little track outside Rouen. Two gangly teenage boys, one French and one definitely, positively not French, have nothing better to do than get themselves in trouble…"

**********

Fans began whispering when Pierre set foot in the lobby. The price of stardom was high and had taken years to get used to. Some days the bombardment of people asking for photos and autographs overwhelmed him to the point he was desperate for an out. Most people respected his boundaries and when they sensed it was too much, they backed off. Other days it was simply too much and he would mumble excuses and book it out the door.

The pressure increases tenfold when he steps into the lobby with you on his arm, the pair of you dressed to the nines. He clocks a group of women- clearly tourists based on their body language- perched on a sofa the minute their low murmurs turn into excited squeals.

Pierre mentally braces for you to stiffen or stop altogether but you do neither. You carry on unaffected, either ignoring them or completely oblivious to the women who do nothing to hide their pointed stares.

"Table for two please." You smile at the restaurant host and then at Pierre. You must not have noticed the fans then. You were getting better at coping with the photos and whispers, although your smile usually became forced the longer it dragged on, the polar opposite of you currently beaming at him.

Pierre's shoulders sag a bit when you're led to a secluded table towards the rear of the dining space. Privacy wasn't a luxury he was often afforded. With his back to a wall of windows, there were fewer angles for people to approach from which was a small comfort.

Apparently you find sitting across from Pierre unacceptable because you shuffle your chair to his side of the table before plopping down in it. Pierre shoots you a questioning look but keeps his mouth shut. Inquiring after your motives didn't tend to end well for him.

Instead he leans over to kiss your cheek, relishing the blush his lips coax to the surface.

“It all sounds good,” you say, scanning the menu. “You’ve been here before, I take it?”

“Hmm? Oh, yeah I have. It’s all wonderful.” 

The fans from the lobby remain in the blurred fringes of his vision. Pierre does his best to focus on the waitress explaining the specials. He tunes in automatically to the fan’s heavily accented English as they argue with the host, vying for a table as close to Pierre as possible.

Their phones remain out as an annoyed waiter tries and fails to coax the gaggle of girls into ordering something. Pierre drags a hand through his hair.

Being the center of attention usually doesn't bother him. Coping with the spotlight and the scrutiny that accompanies it is second nature; if the press conferences at Spa in 2019 had taught him anything, it was the importance of a solid poker face. Fame is new to you though and interactions with polite fans make you nervous. Having your picture taken without permission and splashed on social media? Forget about it. Pierre didn't care to find out how you'd react.

"Don't be nervous." You lay a hand on Pierre's thigh. The touch is enough to temporarily pause his bouncing leg. "You're going to do amazing this weekend. All you have to do is finish in front of Checo and you're golden."

How you haven't noticed the girls giggling mere yards away is beyond him. The last thing he wants to do is ruin this perfect, beautiful moment of bliss. You look gorgeous with your painted lips and that sinful black dress that he doubts can be comfortable based on how it hugs your curves like water. To top it off, the pride in your gaze is something to behold, making it impossible to doubt himself when you so clearly and openly believe he can conquer the world.

But it's better to tell you now versus you finding out on social media later. "That's not what's bothering me."

"Oh?" You sit straighter and set the menu down. "What is it then? Because if it's Horner, I have no problem marching in there and chewing him out. Birdy will back me up."

Despite himself, Pierre can't hold back his smile. "Where did all this confidence come from, hmm?"

"I'm learning," you insist, nodding your head firmly. "I'm growing as a person and you should be proud."

"I never said I wasn't." Maybe you'd spent the last month at university interacting with racing fans on campus. Perhaps being exposed to endless questions in a setting you controlled was the key. "Did you take a course in confidence at university?"

You scrunch up your nose and laugh in the most adorable way. Pierre's heart lurches at the sight, regardless if it was him you were laughing at.

"No, but I did make a few new friends that have a habit of pestering me about you." You jab a finger in his side for good measure. "It helped, I think. I don't look for cameras as much anymore. You're my focus now, not paps that may or may not be lurking in bushes."

"I knew it." Pierre is slightly impressed that he'd hit the nail squarely on the head. "I figured there had to be someone at uni responsible for helping you out."

You shrug and purse your lips. "I guess we'll have to see how I handle this weekend. I mean, there's bound to be press trying to corner me, what with the stakes and all. But I think I can take them." You raise your fists in front of your face and Pierre has to laugh. 

“Throw a punch like that and you’ll break a finger.” He takes one of your clenched fists in his and untucks your thumb from under your fingers. “That’s how you make a proper fist. And you hit with these knuckles here- make sure you distribute the blow across all four, or you’ll be hurting.”

“Regardless,” you say, jabbing the air a few times, “The shock factor of having little old me in their face ought to be enough to earn me an advantage.”

Pierre finishes the lap to circle back to the topic at hand. "How about we test your confidence?” 

"Okay," you say, dragging out the 'a' until it hangs in the air between you like a spider's web. 

Pierre rakes a hand through his hair and nods to the girls a few tables away. "They've been taking pictures since we sat down. I'm sure they'll be all over Instagram in an hour, if they aren't already."

You steal a glance at the table in question under the guise of grabbing something from your purse. You hum, contemplating how to go about responding. Pierre is almost certain you'll ask to head back upstairs where it's just the two of you, no cameras or outside influence to ruin your night. His wallet is already out under the table, ready to leave a hefty tip for putting up with your drink-and-dash.

“We aren’t doing anything interesting,” you point out, swirling the knuckle’s worth of whiskey in your glass. “Why do they feel the need to document every passing second?”

Pierre lifts a shoulder in a shrug. “It’s just what some people do. If you’re uncomfortable we can go.”

“Who said anything about leaving?” You scoff, the corners of your lips turned up in a teasing smile. “I figure the best course of action is to give them something worth photographing.”

“What do you-”

Pierre’s yelp is decidedly unsexy when you yank him forward by his tie and attach your lips to his. Caught entirely off guard, he flounders for a moment before he catches himself and sinks into you. One hand on your cheek and the other creeping up your thigh, Pierre slides his tongue over the seam of your lips. You don't hesitate to obey the silent command.

He should be embarrassed. He should be contemplating the consequences of this kiss being splashed across tabloids the world over. He can’t bring himself to care, not when you’re the only release he needs and something as simple as a kiss sets his skin alight and causes any sane thoughts to trickle from his head.

Nothing matters. You're kissing him and your hand is a few inches below his hip on his right thigh, burning a brand that he prays leaves a puckered pink scar. Your scent and your mouth and your unmistakable hiss of pleasure saps the worry from his limbs. He's floating up off his chair, lungs filling with helium as you steal every last molecule of oxygen from the room.

Just like that, Pierre is the one that's roaring to leave for an entirely different reason.

Your hand on his jaw keeps your lips a hair's breadth apart as you whisper, "Are they staring?"

A blissed out nod is all he manages. Thoughts evade him and speaking is utterly out of the question when your lips are within striking distance. He surges forward for another kiss, heavier on teeth than on tongue. He makes sure to hold your lower lip between his teeth longer than necessary, putting on a show now that you've given him permission.

"Pierre," you murmur, using the hand splayed on his chest to push him away. The whine that escapes him is wholly unintentional. Thankfully it's low enough that only you hear, pressing a finger to your sinful lips.

"Down, boy." You extricate his hand from the dimpled flesh of your hip and place it chastely in his own lap. "We've accomplished what I wanted to."

Saying you tossing a wink over your shoulder at the intrusive fans isn't the hottest thing he's ever seen would be a lie. Pierre needed to be sure to thank Daniel's girlfriend the next time he saw her for whatever the hell she said to finally bestow you with a healthy serving of self-assurance because this new you is an entirely different entity, one Pierre intends to explore at the next opportunity.

"Problem solved." You brush your hands together and Pierre half expects to see dust clouds in the air like you'd just finished a woodshop project. 

Pierre's brain is operating on a ten second delay. So really, normal operating procedure when he was in your vicinity. "I don't think we've accomplished everything I'd like to get done."

"We have a dinner to finish first." You pick up your menu and resume browsing like you hadn't just forcibly ripped his appetite for anything other than you right out of him. "The salmon sounds good, don't you think?"

"You sound good," Pierre mumbles under his breath and picks up his own menu. God, he'd love to let his fingers drift to the apex of your thighs. You’re always cute when you squirm. It was so simple to do too, all you needed was a brush of his knuckle to your center and you'd be gasping.

"Are you ready to order?"

The soft-spoken waitress bursts Pierre's bubble. She brings fresh drinks and jots down an order of two salmon fillets and leaves with a smile. 

How Pierre has managed to make it this long without fucking you is beyond him. From the moment you surprised him in the lobby, his limbs have been thrumming with energy. And now your surprise kiss had been the pebble that preceded an avalanche of feverish longing. Those red painted lips would look better wrapped around his-

The pointed toe of your shoe digs into his calf. "Quit staring."

"Either you let me daydream or you let me take you upstairs,” Pierre quips back, licking his lips before he can catch himself.

"Can we get through one date without you mentally undressing me?"

Pierre dips his grin in a vat of lust, his words dripping with waxy promise. "No. Not when I know that as soon as we're alone, you'll let me do what I want."

"And what about what I want?" Your pouted lip does absolutely nothing but push his mind further in the gutter. 

"Your wish is my command." His hand floats under the hem of your dress to graze along your core. And there it is, that sound he would swim across oceans to hear, your chastizing gasp of surprise. 

The cross way you whisper his name is a thing of dreams. No one else's name sounded like that on your tongue, that honor is reserved solely for Pierre. The two breathless syllables are more exhilarating than standing on the top step. The rush of adrenaline that accompanies them is ten times what he is rewarded with when passing a world champion on track. He'll give it all up to hear you repeat it when you're pissed or lonely or tired- he just wants your voice echoing in his ears like a broken record.

You move his hand a safe distance down your thigh, nearly at your knee. Pierre gives your leg a sharp squeeze. "Can we please get our dinner to go?"

"Not tonight. You can wait, mon amour."

The French rolls off your tongue awkwardly but Pierre will be the last to complain. Your encyclopedic knowledge of which buttons to press when had come back to bite him in the ass.

"That's not fair." His pout is a mirror image of the one you turned on him earlier. "You can't use my own language against me."

You pat your pockets as if searching for something and shrug when you come up empty. "I don't see a rulebook anywhere."

Reminding you what happens when you tease him shoots to the top of his to do list. "I'll play if you wanna play, ma chérie. Don't bite off more than you can chew."

"I think you're forgetting who usually wins off track."

Pierre can't help it. He takes advantage of his superior reflexes and surges forward to claim another searing kiss. You did normally win and it wasn't for lack of trying on his end. No matter the tactic he employed, you generally got the better of him. Not that he minded.

"Why don't you come here?" He purposely grazes his lips to your ear as he speaks and grins when a shiver runs down your spine. 

"Because we are in public," you hiss back, though the way your head tips to the side betrays you. Pierre's nose touches the underside of your jaw and you struggle to find your breath.

"We should eat." A self satisfied smile splits his face when he notices your heaving chest and wild eyes. 

"When did our food get here?" Pierre did that. He got you so worked up that you blocked out your surroundings so thoroughly that you hadn't heard the clink of plates. Pierre wears that fact like a badge of honor.

"A minute or so ago. Remind me again who's winning?"

"We may be even," you relent, adjusting the skirt of your dress. Yeah, even isn't the word he would pick, considering how flustered you are. It's a good thing Pierre has learned to eat with one hand because he doesn't plan on moving the arm currently slung over the back of your chair anytime soon. His finger traces the letters of his name on the bare skin of your shoulder. Whether you realize what he's writing or not you lean into him as you eat, falling in closer with each lemon-scented bite.

"Excuse me?"

You don't bother to look up but Pierre does. Disappointment washes over him when he is met by one of the fans, apparently deeming now to be the appropriate time to approach him, while clearly on a date, in the middle of a meal.

"I'll be happy to take a photo once I'm done." Sometimes passive aggressiveness works best with people like this, who have no regard for personal space. "Right now I would prefer to be alone, thanks."

"Oh, right." The blonde giggles, tucking a lock of hair behind her ear. "You two make a… cute couple?" The end of her sentence turns up and your fork falls to your plate.

Pierre tucks you a little closer to his side, both possessive and reassuring. "We know."

Your discomfort is plain, the way you curl in on yourself making his heart hurt. But you surprise him by taking a deep breath and turning to the woman with a smile. 

"If you'd let us finish our meal, I would appreciate it. We can stop by on our way out and chat with you." Sylvie would be proud of that answer. Diplomatically phrased and said with a smile that negates any negative connotations.

"Of course." The blonde's smile is sickly sweet. To Pierre she adds, "Good luck on Sunday."

Pierre nods. The woman's rude behavior didn't warrant a verbal response. She mumbles a feeble goodbye before slinking back to her friends. If nothing else at least their whispers died down, put out by his behavior. 

Pierre loves his fans. Without them he wouldn't have a sport to compete in, and of course he appreciated their endless support. Stopping for photos or autographs had gotten him in trouble with Marko multiple times for being late to meetings that usually turned out to be pointless anyway. As a whole, their enthusiasm gives him an extra boost on Sundays and lifts his spirits after a bad weekend.

And then sometimes there were people like the blonde woman that had interrupted his dinner. Those people he has far less tolerance for. Basic manners were imperative to Pierre giving someone the light of day, otherwise he saw no need to waste time and energy on them.

"All good, ma chérie?" Pierre rubs your shoulder, hoping it'll stave off any anxiety.

"I'm good," you confirm with a nod of your head. "Let's finish up and go to our room."

Pierre presses a kiss to your temple and scarfs down the remainder of his meal in record time. He flags down the waitress and hands her his card, leaving a substantial tip when she returns with the check.

“Can you distract that table?” Pierre asks, aware of how unusual the request likely is. “I’d like to get out of here without making a scene.”

“Of course,” the waitress says with a warm, sincere smile. Pierre waits until she loudly announces, “Excuse me? Your card has been declined, do you have another method of payment?”

Neither of you can contain your laughter as you stumble through the lobby. In the sanctity of the elevator, Pierre wraps his arms around your middle and molds himself against you. "You look especially gorgeous tonight."

"You're not too bad yourself." One of your hands finds the nape of his neck, guiding his face to the crook of your shoulder. Pierre takes the invitation at face value and nips at the sensitive skin. Your hum goes straight to his cock, twitching against the swell of your ass.

"I win," you purr, tangling your fingers in his hair and tugging. 

For once Pierre is glad to be in the world's slowest elevator. Since he's already lost, he might as well lose in style. He spins you to face the mirrored wall. And because he knows it'll make you tremble, he trails his hand lazily over your throat to grip your jaw.

A low moan leaves your parted lips. Pierre studies your reflection, from your hands gripping the railing to the skin dimpling beneath his fingers. 

"Fine, you win this time. But I think you and I both know, I'll come out ahead in the end."

**********

Waking up to soft kisses will never get old. Thirty years from now when Pierre was retired and you fell asleep each night with his arms around you, you'd still yearn for the brush of his lips to your cheeks, neck, and shoulders to rouse you from the violet shores of sleep.

"Good morning," you mumble, a sentiment which Pierre echoes with his gruff, sleep tinged voice. "Sleep well?"

"Best sleep I've ever gotten. You tired me out last night." You both grin at the reminder. Fueled by a slight tinge of jealousy after the women at the restaurant made eyes at him, you had refused to let him tumble into bed until well past midnight, when you both were well and truly exhausted. Thursday is press day, nothing strenuous that he couldn't afford to be a little sore for.

Pierre rolls to straddle your hips, lips capturing yours for a proper kiss. The taste of freshly brushed mint makes your skin tingle when he tugs your lip between his teeth.

"It's too early for that." You throw your arms around his neck and urge him to bend his elbows until he falls atop you. It takes him a moment to snuggle in, his head on your chest and his arms sliding under your middle. 

You're convinced that ten minutes in this position can cure any ailments, physical or mental. The weight of your soulmate pressing into you, forcing you to focus on breathing instead of whatever might be bothering you. It's easy to forget about the outside world when everything you require to be happy is wrapped around you like a blanket.

You stroke a hand over Pierre's hair until his breathing evens out, only rousing him when the sun peeks over the harbor. Amiable silence fills the space as hues of orange and pink paint Pierre in swaths of color. Suddenly you're seeing him for the first time, completely enamored by the angles of his cheekbones and the sharp cut of his stubbled jaw. The golden hour of dawn shines on it's golden boy, his lashes brushing his cheeks as he turns towards the warmth calling him home.

"Pyry and I are going for a run soon if you'd like to come with us."

You cringe. Running used to be fun when you were in school, but seeing as you hadn't properly trained in years you doubted you could keep up with a pair of professionals. "How about you text me when you're back and I'll come to the gym with you? It looks fancy, if George's snaps are anything to go by."

Pierre trails kisses up your sternum, over your neck and only speaks once he's reached your lips. "Looking at other men, are you?"

"Shut up," you laugh, shoving him off you. "I'll have you know it was a rare shirt on picture, thank you very much. I don't need to see George shirtless ever again."

A satisfied, "Good," rumbles from Pierre's chest and he stands to stretch the lingering sleep from his limbs. Clad in nothing but a pair of white four inch inseam shorts and with his back to you, you grin as an idea forms. You scramble forward before he can process you moving and smack his ass so hard he yelps.

"Gotcha!" You devolve into a fit of giggles as he rubs the spot you hit, whining about you taking advantage of his distraction.

"You like it," you tease, and Pierre remains strictly pouty for two whole seconds before he breaks into a grin and nods. "Now put on a shirt and get downstairs before Pyry calls you and you get reamed for being late again."

Pierre leans down for one last kiss before rushing off to the lobby. Waking up before the sun leaves you plenty of time to laze about if you choose to. Kicking your butt into gear seems like the better option so you drag yourself out of the relative warmth of the sheets and shuffle to the kitchen in search of coffee. 

Apparently the suite came fully stocked with a handful of different freshly ground blends, and much to your delight you recognize one of your favorites. You scroll through the room service menu on your phone while it brews. Without a doubt Pyry would rope you in to whatever workout he had planned for Pierre, albeit giving you a watered down version of what he gave the driver. Regardless, it would still be grueling and you needed to fuel up.

A hearty breakfast of fresh fruit and cinnamon sugar oatmeal shows up at your door ten minutes later. You're just finishing up when Pierre's snapchat comes through and you nearly choke.

Come on down baby

The sweaty, shirtless selfie that accompanies the caption is wholly unnecessary. Pierre's stupid tongue sticks out and the fingers of one hand are tangled in his hair. The muscle of his bicep is perfectly flexed, an obvious but appreciated attempt to rile you up. You shamelessly screenshot the photo before it disappears to save it for later.

You change into a simple set of leggings and a loose t-shirt and head to the elevator, curating your music queue on the way down.

The outdoor gym overlooks a pool of the same crystalline blue as the sea not far beyond. A few Alpha Tauri and Red Bull team members you recognize occupy a handful of machines. You wave at the ones you recognize, including Alana- she was a sight for sore eyes. You make a mental note to catch up with her at some point today, as you're sure to cross paths again.

Pyry spots you before Pierre does and waves you over. "Start stretching," the fin orders, "I'm glad you dressed for the occasion this time."

"I've learned my lesson." You plop down next to Pierre and lean into a stretch to stage whisper, "He drives you this hard?"

"Get used to it." Pierre shoots you a grin that sets you on fire. He's got a shirt on now, which means he only took it off earlier to send you that snap. Tease.

Any other time you'd chide him for his behavior but this weekend you let it slide. Tension has been brewing since the moment you spotted him across the lobby; simple things tip you off to the stress winding up in him. If flirting could offer him a small amount of release, then so be it, even if it was torturous for you to see him like this and be unable to do anything about it.

"If you two can't get through this without making heart eyes at each other I'll separate you," Pyry warns, pushing at your shoulders and helping you stretch a few more inches. You hide your wince and laugh, leaning into the slight burn.

"Sorry coach," Pierre chimes in, "I'll keep my hands to myself, don't worry." He accepts Pyry's hand to be pulled to his feet. Bouncing on his toes he throws a few punches at the air and catches your gaze over his trainer's shoulder.

"Definitely not you I'm worried about."

As Pyry says it, you blow Pierre a kiss. You quickly tuck your hands behind your back when Pyry's head whips around. Your cheshire grin gets you off the hook and Pyry just points to the stationary bike in silent command. At least he was going easy on you.

Headphones pumping a Pierre curated playlist, you lose track of time as you cycle mile after mile. Pierre sparring on the fringes of your vision helps distract you from burning muscles. Sweat soaks his black tee and is absorbed by the waistband of his oddly patterned orange and white shorts. No matter how incessantly you tease him for his fashion choices, he never fails to amaze you for how well he pulls it all off.

Lost in the music and the incredible view, it takes you a moment to realize Pierre's lips aren't just moving silently. You yank out an ear bud and blubber, "What did you say?"

Pierre's breathless laugh is accompanied by a shake of his head. He half curls in on himself, hands on his hips and mouth agape as he tries to catch his breath. The image stirs memories of the last night, when he was panting just like that but with nothing obscuring you from drinking in his godlike muscled body.

"I said," Pierre starts, walking over to kiss your cheek, "I need a shower before press. I'm going upstairs. You can stay here and Pyry can take you through some more-"

"No thanks!" Pyry shrugs off your immediate refusal. Training top tier athletes and training you sat at polar opposite ends of the spectrum and often times the Fin pushed you farther than you thought capable. You'd like to be able to function tomorrow, thank you very much.

The elevator ride to the suite is filled with salted kisses and wet touches. A breadcrumb trail of clothing leads from the stainless steel doors to the glass encased shower. There's not enough time to worship Pierre like you'd wanted to but he sighs when you run a soapy cloth over his body. Your lips follow the suds, leaving light kisses to the tender muscles. By the time you pour shampoo in your palm and lightly scratch at his scalp to work it into a lather, he's practically purring.

Media appearances are a necessary part of being a driver. Pierre usually handled them well enough on his own and occasionally with Sylvie's help when she could be bothered to get off her phone for a few minutes, but having you with him is different. You pride yourself on reading him well enough to know exactly what he needs. Some days, when the press isn't a pack of rabid animals, he returns to his driver's room and needs nothing more than a quick kiss to have him righted. On days when the pack of piranhas descend to feast on the bones of a bad session or the whispering of drama, a delicate touch is required.

If your suspicion proves right, today would be the latter. Being ahead of the frenzy might take the edge off when Pierre got in the thick of it.

When the tap cuts off, you step out and wrap Pierre in a fluffy towel. His smile communicates how grateful he is- and that he knows what you're doing.

You hand him a stack of Alpha Tauri branded clothes and sit on the foot of the bed. "Do you want me to come to the paddock with you?"

Pierre pauses with his shirt half on. "If you don't mind."

"Of course I don't mind." You pluck a few of his rings from the nightstand and hold out your hand. "You have to complete the look."

"What would I do without you," he murmurs, slipping one on his pinky and one on the thumb of his opposite hand.

"Probably be ridiculed for your lack of fashion sense."

**********

As a driver's girlfriend, you had come to grips with being relegated to a background role when it came to team events. You have to ask Sylvie to repeat herself twice before her words sink in.

"Come with me to the media pen," the woman grits out. Apparently Tost intended to have some fun torturing the woman before he fired her at the end of the season. Hopefully whoever Pierre got stuck with next was a bit more personable than Sylvie.

"Pierre told me to wait here," you say, gesturing to the garage buzzing around you. You were a rock and the mechanics were the stream, parting around you without a care in the world. You were barely a blip on their radar, everyone too honed in on their tasks to pay you any mind.

"And now I'm telling you to come with me. The other wives and girlfriends are in attendance and it'll look odd if you're not there too." Clearly, Sylvie didn't like the idea. And any idea that pissed Sylvie off sounded like a good one.

"I know the way," you say and breeze past her. Your feet follow the familiar path to the cluster of reporters crowded around metal gates, keeping the drivers in like caged animals. It was fitting, considering how often people referred to the sport as a traveling circus.

Pierre is already knee deep in an interview with one of the more popular journalists in the bunch, Will Buxton. Careful to stay out of the lens, you lean against the guardrail to listen in. So far it seems to be going well, Pierre's laugh brings a smile to your face.

"So, Pierre." Will shifts on his feet, pausing to create a sense of drama. "Your seat for next year. We know you'll be in Alpha Tauri or at Red Bull. Only a few points separate you from being demoted right back to eighth in the championship, which would officially relegate you to keep your seat at Alpha for the upcoming season. Are you worried about a mechanical problem or an accident stripping you of your chance to prove yourself and leaving you stuck where you are?"

Your stomach sinks. Buxton knew how to phrase a question, you had to give him that. Each word had been carefully chosen to elicit an emotional response from Pierre. You hate seeing him backed into a corner, forced to answer the same questions again and again, helpless to prevent it.

"Well first of all I'd like to stay that I'm not stuck at Alpha." Pierre shifts his weight and you exhale. Buxton's poisoned dart had missed its mark.

"Given a few years of development I know we could have a really competitive car. But it's more so that I'm ready to move up, fight with the leaders now instead of waiting. I'm in my prime and I don't want to let that pass me by.

"So no, I'm not worried about things that are out of my control. My team has given me an amazing car this year and I'm not concerned about mechanical problems. Things out of my control aren't worth my energy. There's nothing I can do about it so I don't even give it thought. I'll focus on my driving and pushing my limit- if an accident happens, I'm just a passenger."

"Well said." Buxton nods and turns away, effectively dismissing Pierre. As soon as he's out of the camera's view he's reaching for you and you meet him halfway. Sylvie trails after you as Pierre leads you through to the Alpha garage.

"Five minutes until your briefing," Alana says the second you enter. "And hey girl. Don't think I've forgotten about that sweater I loaned you. I still want it back!"

Your friend doesn't leave any room for rebuttal before heading for the conference room, presumably to set up whatever presentation she had created. Sylvie had disappeared too, leaving you as the only one for Pierre to focus on.

"You think I can do it?" He asks quietly, playing with your interlaced fingers.

"I don't think." You tilt his chin up so he's looking at you. "I know. And I'll be right here when you cross that line on Sunday and bring home points. You've got this, baby. Don't doubt yourself now."

"Pierre!"

Your grip on his chin prevents him from following the voice, not that he would if he could. You shoot him a raucous grin, "Red Bull colors would look pretty good on me, huh?"

Pierre's smile is brighter than all the stars in the sky. "Anything with my name on it will do.”

@seasidetom @flashcal @limp-wrist-max @sunshinesewis @lifeofzoemichael @ninuffi @perfectfantasies22 @lamboleglerg @ladyperceval @0forgottenparadise0 @evie-pr @avsensio @ninuffi @lu-morningstar @ggaslyp1 @swiftyhowlz @xeniarocks @teenwaywardasgardian @saintandrea-droidsmuggler​

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[caffeinatedwasteland]

Campus Memories (part 1)

Notes: Hi! I’ve never written on Tumblr before but I’m hoping someone might enjoy my series that I’m starting. This is only part one so there’s not gonna be much romance or anything yet, just an introduction to our reader and the first boy we meet.

Word count: 1495 words

Looking back on the day, it really wasn’t anything special funny enough, just a few bumps in the road along the way. Overall just a normal day of work at Coffee Cart, the café itself wasn’t overly fancy looking, but had a warm atmosphere inside. More well-known for our extensive types of coffee beans, assortment of drinks and freshly made baked goods than anything else. I emerged from the backroom where I had been on my break, making my way over to cover who was next while tying my apron behind my back. I take up the drink station, taking over making the café au lait that had just been ordered and grabbing the to-go cup. I’ve never really understood why the owner had chosen this symbol for the logo, the face looking a bit off to me. But whenever questioned on it she would always reply “I see myself in it somehow.” She's a bit weird but I respect her since she is very passionate about coffee and her shop. As odd as she may seem to others she is very kind.

I’m taken out of my thoughts when I place the cup on the ledge and get a “Thank you” from the man waiting, and look over to see what drink to make next and notice the man standing at the till is still deciding. The man in question looks quite confused as he stares up at our menu boards, occasionally he glances from the boards to my coworker waiting for his order, his green eyes appearing slightly panicked. He doesn’t seem like the typical type of customers we get here, given he is wearing a plain white t-shirt and jeans with his longer brunette hair pulled into what looks like a hastily done up bun. I hear him give a small sigh before moving his right hand to scratch nervously behind his neck “Uh, would I be able to get a” he pauses to look up, I’m assuming he’s seeing if we have any fancy names for our sizing, his expression looks relieved when he looks back down and continues “medium coffee, with two milk and two sugars, to go please.” I hear his order and turn back to the machines in front of me and start making his coffee as he pays and moves over to the counter to wait. As I go to place the coffee in front of him I clear my throat for him to look up from his phone and grab his cup. He gives me a soft “Thanks” as he moves over to sit by the window, I find myself drawn to him for some reason. Maybe it’s the way the sunlight reflects off his verdant eyes highlighting the different hues within them.

 I turned back to the station in front of me, not wanting to freak him out by staring at him, continuing to make the orders that were placed after him. The cafe’s line had started to slow down by the time my other coworker had returned from their break, so I decided to go out and wipe down the tables various customers had been sitting at. I pick up one of the clothes and a spray bottle and place them into one of the bussing trays and make my way towards one of the tables in the corner to wipe it down and take away the dirty plates and cups, slowly making my way around the café. Occasionally I stop to bring the tray back into the kitchen to place the plates and mugs into the sink and throw out any empty paper cups that were left behind. I head back out to wipe down the last few tables without anything on them or customers sitting around them, finding myself at the table right behind the brunette man next to the window. I notice him occasionally looking up from his phone to glance outside or towards the door. He must be waiting for someone, I wonder who he’s waiting for.

 He is rather good looking so he could be waiting for a date, considering this doesn’t seem like his type of place to go to whoever it is must’ve chosen the location. I take my time wiping down the table behind him, closing the blinds next to the window by the table slightly, considering the sun shining directly through the window. I glance up at the clock and notice it’s now two in the afternoon, meaning I only have an hour left on my shift before I can go back home and finish my paper due next week. I take a quick glance back in the man’s direction when I hear him let out what seems like an irritated sigh before he smacks his phone down on the table. He goes to run a hand through his hair before seemingly remembering his hair is tied back and pauses before picking back up his phone and moving it to his ear. I finish tending to the table I was at as I hear his irritated voice to whoever he had called “Seriously Zeke? You told me to meet you here, and now you say I have to meet up at your classroom. I was already on campus before I headed over here! Now I have to head over to the damn science building.” He lets out another angry sigh and hurriedly starts to gather his belongings that he had tossed on the table like his keys and wallet.

 I see him take a sip from his cup before I turn to bring the cloth and spray bottle back with me behind the counter, making my way past his table before I feel something or I should say someone smack into my side and almost knock me off of my feet. He places his hands onto my sides to grab me before I fall over, so I only slightly stumble backwards and drop the spray bottle. After he steadied me he opened his mouth to say “Uh, sorry I didn’t see you there, are you alright?” I nod my head slowly a bit dazed after him bumping into me “Yeah, I’m fine don’t worry about it” I smile slightly, noticing the panicked look in his eyes begin to disappear. “Okay, cool. Sorry again.” He nervously chuckled as he released his hold on me, rubbing the back of his neck before looking to the side. I watch as he gives me an awkward smile before moving to throw out his cup and hurrying outside the door, signaled by the little chime hanging on it.

 I bend down to pick up the spray bottle I had dropped and notice a wallet next to it, he must’ve dropped it when he bumped into me. I picked it up along with the bottle and shoved the bottle under my arm, remembering him mentioning campus on the phone with whoever “Zeke” was, maybe he went to the same university as me? He must have since this café is a few blocks away from the main building. I made my way behind the counter to place the spray bottle back in its proper place before opening the wallet. I looked over the pockets of the wallet to see if there’s any form of ID in it to make sure it was his wallet. Noticing a card the same colour as my own school ID I pull it up slightly to see the name of the university along the top, so he does go to the same university I do. That makes things a little easier for me, I glance down to see his name “Eren Jaeger.” 

He looked as uninterested in his photo as he did when he first entered the café, seeming to not have cared how he looked in the photo. His hair is down making me wonder if they made him have it like that or if he chose to. I look up when I hear my name be called out by my supervisor, raising a brow I call back “Yes?” Heading towards them, wallet still in hand I begin to move it to my apron pocket. “It’s already five after three, your shift is over for the day.” I glance up at the clock when they finish speaking, feeling my face heat up slightly. I returned my gaze to them “Oh, sorry. I’ll be heading out now.” I head over to where the aprons sit on a hook and remove mine, not forgetting to take Eren’s wallet out of my pocket. He had mentioned the science building when he was on the phone, maybe I can catch him if I head over there now? I unlock my locker in the back room, pulling out my bag and putting on my jacket. Punching out at the clock I toss my bag over my shoulder and start making my way to the science building to find this “Eren Jaeger.”

[honeymoonjin]

enjoy your stay (reader x Bangtan, Hotel AU)

A/N: Hi everybody! This is my first time posting a fanfiction about BTS, and also my first time posting fanfiction on Tumblr, so please forgive me if I mess stuff up! 

ENJOY YOUR STAY ↳Boss!Namjoon, Chef!Jin, Receptionist!Hoseok, Bellboy!Jimin, Bartender!Jungkook, Accountant!Yoongi, Photography student!Taehyung ↳Some inappropriate language and cursing. Later chapters will have sexual content.

SUMMARY ↳Working the graveyard shift at a hotel isn’t the most exciting job in the world, but your coworkers are certainly happy to have you here.

CHAPTER ONE ↳You’re surprised you were ever considered for a manager position, but your boss Namjoon seems certain you’ll be a good fit. (Note: Taehyung isn’t in this chapter, but that’s just because he’s not an employee. You’ll see him in Chapter 2 and onwards, I promise!)

You run the pad of your finger back and forth across the newly-cut corner of your staff ID card. As the owner led you through the winding halls of the main building, you had noticed that none of the other staff members seemed to be wearing theirs. You drop it and let it hang limply from the forest green lanyard and tune back in to what the man beside you is saying.

"...but you won't need to worry about that, since you won't be here during the day. Really, there aren't a whole lot of customers out and about after 11pm. Maybe if we were a bigger hotel, there'd be more customers off red-eye flights, but generally, the graveyard shift is pretty quiet." He clears his throat again and comes to a halt, clearly unused to giving the full tour. "Your job is more helping me and the other staff out than customers. I know it's probably not what you were expecting a night manager's role to be."

You smile softly at his sheepish grin and shake your head. "Honestly, I'm just glad you even considered me for the job at all. I kind of applied for this on a whim. Until you called me last week, I was resigned to working as a waitress until my dying day."

He let out a genuine laugh, one you joined in with. Although you were joking around with him, you were really honoured to be here. Not only was the job well paying and pretty straightforward, but Mr Kim, or, you supposed, Namjoon, seemed like a really kind man to have as a boss. That was rarer than a good job, and here you were with both.

"Well," he murmured, attention caught by a commotion down the hall, "we're glad to have you. Wh- Jin! What is this?"

You follow Namjoon's gaze to where the noise, a squeal from an older lady, had come from. She had her hands thrown up in the air in a show of dramatised fright, and one of them was dripping water down her sleeve.

The culprit was a man in a pristine white chef's uniform holding a metal ice bucket. His lips were parted and eyes widened in bewilderment. His head shot around to make eye contact with Namjoon, who had patted you on the shoulder in apology before storming down towards him.

Unsure of what you should do, and secretly wanting to get in on the drama, you quietly followed after him, hovering by a fake potted plant while he confronted the chef.

As soon as he asked what was going on, the elderly lady, now cradling her damp hand, screeched in outrage. "This is some sick prank! What's wrong with you people?"

Jin interjected. "Actually, ma'am, this is dinner." This time, when he lifted up the bucket again, you could see several live lobsters wriggling around in the water.

"Not helpful," Namjoon shot back, before turning to the lady. "I'm so sorry, Mrs Kang. It should've been in a food-safe container, not an ice bucket."

"Well, I never! My husband and I order a bottle of champagne to celebrate our anniversary and instead this...this madman presents us with seafood!"

Namjoon winces, but straightens up when he sees another figure approaching. "Ah, here the champagne comes now, Mrs Kang. Again, I'm terribly sorry about the misunderstanding. We'll take the champagne off your room tab for your troubles. Have a good night, and happy anniversary to you and your husband."

Pleased with the concept of free champagne, as well as its eventual arrival, Mrs Kang makes herself scarce, returning back into the room from whence she apparently came.

Heaving out a relieved sigh, Namjoon turns to the chef. Tiredly, he mutters, "that was a two hundred dollar bottle of champagne, Jin. Was there really nothing else you could've put the lobsters in? Lobster isn't even on the menu."

The chef, Jin, gives a radiant smile to his boss. "Lobster wasn't on the menu. It is now." He looks back down at the bucket. "At least, I hope so. She might've scared the lobsters to death or rotted them with her godawful screaming."

Namjoon darts forward and latches onto the arm not holding a lobster-filled bucket. "Quiet!" He hisses. "We're still outside the room, idiot!" From his new vantage point, he sees you hovering uncertainly on the edge of the hallway. His shoulders drop and he fails to meet your gaze. "Go set up for the dinner service, Jin. And for the last time, don't go through the lobby, use the service entrance."

Namjoon joins you, hand rubbing the back of his neck, and waits for Jin to happily trot off down the hallway to the restaurant. "I'm sorry about that."

"Don't worry, now I know not to harass customers with crustaceans. I'm glad I left mine in the car, now."

The brief awkwardness of the past few minutes is worth it to see the brilliant smile that lights up his face as he laughs. "If I were you, I'd be going out to make sure those weren't my crustaceans. Who knows where Jin gets his groceries."

The rest of the tour goes well, Namjoon having relaxed more, and you feeling more and more positive that this was the place for you. Apart from Jin, Namjoon said, the other workers in the hotel would leave at 11:30 to make way for the night shift. Since you were taking the tour at just 6pm, you wouldn't meet any of your coworkers until your first day, or night, of work.

That first night comes quickly, and although it's been less than a week since the tour, your heart races in excitement when you see Namjoon waiting by the front reception to greet you.

He looks good today, which is maybe not a thought you should be having about your boss, but the other day he was off duty in a polo shirt and linen trousers. Today, he was in all black, apart from the single stripe of forest green that ran down the front of his shirt. His pants were tighter than the linen ones, and his dress shirt had a high neck rather than a collar, making for a very appealing silhouette.

The lobby itself was lighter in colour, but no less dashing. The marble floor with its flecks of gold, the deep green couches, the high ceilings. You felt slightly inadequate, glad for the fact that you had a matching uniform rather than your own clothes.

He greeted you with a warm handshake, and drew your attention to the man sitting leisurely at the reception desk. How you ever missed him coming in, you didn't know, but now that you met his gaze, it felt like the room had brightened several degrees.

His luminous grin and friendly eyes reeled you in, and you found yourself grinning back as you shook his hand. Namjoon introduced him as Hoseok, but the man waved his hand. "Call me Hobi, everyone does."

You began to nod, but Namjoon made a noise of displeasure. "In your own time, sure, but when you're on the clock you can be professional, please, Hoseok. You don't walk around calling me Joonie when I'm trying to deal with unhappy customers."

"I would if I could, buddy." His eyes twinkled as he shot a sly wink at you, swivelling lazily back and forth on his chair.

"Hoseok here is the first thing that anybody who enters the hotel sees, so in many ways he's the face of the business. You can't redo a first impression. If you ever do have a customer out and about during your shift who wants to know something you aren't sure about, just send them his way." Behind Namjoon's back, Hoseok's eyes widen comically and he quickly shakes his head. "For example, if a customer wants to know where they can go to do laundry during a long stay, you'd send them to Hoseok and he'd tell them..." Hoseok's face lights up with a brilliant as Namjoon turns around to face him, but instead of answering, just waits expectantly for Namjoon to continue. Namjoon sighs and turns back to you. "He should tell them that there's a 24 hour laundromat a five minute walk from here if you go right at the main entrance."

You nod resolutely, willing your mouth to keep still instead of quirking up in response to Hoseok's sheepish grin. "No problem, sir."

The gazes of the men in front of you slide over your right shoulder, and you turn reflexively to see what's caught their attention. A young man in a classic bellhop uniform approaches the three of you with an eager grin on his face. The strap of his hat as well as his chubby cheeks cause his eyes to almost disappear in his smile, and when he reaches the desk he leans his back against it. "Hey, boss, is this the new chick?"

You introduce yourself to the bellhop as Namjoon cringes at the boy's forwardness. His name is Jimin, and he makes it very clear with his body language and cheeky grin that he's pleased to meet you. You feel your face heat up when he licks his lips, still staring directly at you. "Being a bellhop with no luggage to tote gets pretty lonely. I hope you get a chance to come and keep me company every now and then."

Hoseok, who had been previously watching this exchange from a leaned-back slump in his chair, sits up in outrage. "I'm here, Jimin! Am I not good enough to keep you company?"

Without turning to look at him, Jimin replies. "Not the kind of company I'm after."

Namjoon's fingers pinch the bridge of his nose and he scrunches up his face. "A little less sexual harassment in the lobby would be great, Jimin. We don't want to scare the new manager away before she's even begun."

You replace your flattered and flustered smile for what's hopefully a more professional, neutral one. "It was lovely to meet you two. I'm sure I'll see you guys around."

Namjoon takes that as a safe point to end the conversation, and mutters a gruff goodbye to the other two before guiding you out of the lobby with a warm hand against your lower back. "I apologise for them," he murmurs as he navigates the carpeted hallways, "the majority of our employees work during the day, and as it happens, all of the female employees, too. The night shift has been a boys club for a while now." He anticipates your unease as you process his statement. "But don't worry! All the guys are great, and you'll get along just fine. Any problems, you can talk to me."

He suddenly turns a corner, and you're led into a small lounge with a fully stocked bar in the far end. There's a man behind the bar, looking the part with an apron around his waist and a rag thrown over his shoulder. The rest of the room is empty except for a single figure at the bar, hunched over with his back to you. He doesn't look up when the two of you approach the bar, even when Namjoon pulls out a stool to sit beside him. The mystery man is flicking back and forth through pages and pages of spreadsheets and data tables, scrawling notes here and there and punching furiously into a calculator. Namjoon leaves him to it for now, and calls over the bartender.

"This is Jungkook, our newest hire. Well, I suppose he was before you came."

The man in question flips a glass bottle of liquor in his hand with a touch of showmanship. "I'm a seasoned employee now, Namjoon. Did I tell you I got to make a sex on the beach the other day? I just about passed out when the lady ordered it, I had her pinned for a white wine kinda gal. I reckon she just had the hots for me, because she took one sip and scrunched her face up like this," you grin at his enthusiastic recreation of her expression, "like she didn't realise what the drink had in it."

"Or maybe you just made a terrible sex on the beach."

"Well, maybe if I was put on the evening shift I could actually make enough drinks to find out," he protested, crossing his arms over. You hold your gaze stubbornly to the shelves behind you in order to avoid staring at the way the muscles of his exposed forearms flexed and the veins in his hands jumped with the action. Why the fuck was everybody in this hotel so hot?

"Yoongi, would you like to introduce yourself to our new night manager?" Namjoon tried to give the man at the bench meaningful eye contact, but the black head of hair was buried in paperwork.

"What I would like," the man drawled under his breath, "is for us to stick to our goddamn budget for once. Just one month, Namjoon, and I'd kiss your fucking shoes." Namjoon cringed at the curse, but had the decency to look a little guilty. The man, Yoongi, sat up a little, enough for you to see most of his face, and flipped through until he found a certain page. "Here," he growled, finger rapping angrily at a money breakdown report, "does Seokjin really have to spend nearly three hundred dollars on chicken stock? Nobody's ordering chicken noodle soup in the middle of summer!"

Namjoon frowns and leans in closer to Yoongi. The pair of them fall into intense conversation, and you awkwardly avert your gaze to give them some privacy. The bartender, Jungkook, sees you shifting around and rests his elbows on the bench. "You want a drink?"

You blink. "Oh. No, I don't think I should be drinking on the job. But thank you for offering."

He lets out a chuckle. "We have water," he says, eyes twinkling. "Do you really think I'd get you drunk on your first shift?"

You shake your head, feeling silly that you had assumed he was offering you alcohol. "Water would be nice. Thank you."

He sends you one last toothy grin over his shoulder as he grabs a glass, and fills it for you. The water is so cold that by the time he sets down a coaster in front of you, condensation has gathered on the outside and drips over your fingers when you take a sip.

He watches you for a moment, reflexively whipping out his rag to clean up the water droplets on the bench. "So, why the hotel?"

"Hm?"

"Why is a girl like you applying for a job where the only hours are the middle of the night?"

You set your glass down. "I don't know what you mean by a girl like me, but to answer your question, I'd take any hours if it meant I didn't have to wait tables anymore. I've dealt with enough shitty customers to last a lifetime."

He nods thoughtfully, but his lips are quirked into a smirk. "Better no customers at all, huh?" He waves his hand to gesture at the empty room.

"Actually, better all the angry customers have tired themselves out with the day staff and are sleeping peacefully." The pair of you fall into a comfortable lull of silence, but it doesn't last. "Don't you get bored? Being a bartender with no drinks to make, I mean?"

"Not when I have a pretty girl to think about." Although he wiggles an eyebrow suggestively, you know you're right.

Unaware of the fact that the conversation to the left of you has finished, you shoot back a reply. "Thanks for that. So far every staff member tonight except Yoongi has flirted with me. I feel like I'm collecting the whole set."

You hear a scoff, and the fact that it's too deep to have come from Jungkook sends blood rushing to your cheeks. The man in question has tidied up all his papers into a single neat pile and is staring directly at you. You're not completely surprised to see he's absurdly good-looking too, now that you can properly see his face. He doesn't seem to be mad, just a little begrudged. "Maybe if Namjoon would hire adults for once, rather than horny little boys, you wouldn't have to deal with it."

Jungkook lets out an offended cry, but you ignore him and turn to face the two older men. "I don’t know,” you joke, “just think how much money you must save hiring horny little boys rather than qualified adults! It probably evens out the chicken stock fund." You don't quite manage a laugh out of him, but Yoongi's quick flash of a grin seems reward enough.

Namjoon decides it's time to move you along, and the last thing you see as you exit the bar is a rueful smile and wave from Jungkook, and Yoongi's curious stare. You expect to be led to another room to meet more employees, or to Namjoon's office to get started, but before you go anywhere, he gently presses on your shoulder to slow you to a stop, and leans in to talk to you in a soft murmur.

"I'm so, so sorry if you feel like the other staff members have been inappropriate with you." Guilt darkens his face. "And I would be completely disappointed in myself if you felt like I had acted the same. I'm so sorry," he repeats awkwardly.

You shake your head and give him your brightest smile. "It's totally fine! All the guys, you included, have been nothing but sweet to me, and besides, I was just joking around with Jungkook. No harm done, honestly."

He searches your face for a few moments, then slowly nods. "Okay. Okay, let's get started, then."

[karmanticmoved]

1-85 uwu

j esus okay

1. describe yourself.

uh,, emotional ig, dumbass, quiet, exhausted all of the time, v queer, healthy mix of feminine and masculine, insecure, and not tha t great tbh. kinda a pussy ass b itch

2. if you could go anywhere for a week all expenses paid where would it be?

idrk. maybe somewhere like a hella nice beach in another country, maybe somewhere in europe. i like travelling but i hate the travel to get there and have no money so i havent put thought into it. maybe hawaii or somewhere like that.

3. do you have siblings?

the one thats still alive is my half brother

4. what is your favorite constellation, why?

orion maybe bc i don't know a lot but i can see that one from my bedroom window even in the city n idk. its comforting. or scorpius cause i'm a scorpio

5. favorite color.

yellow, pink, or blue.

6. what kind of music do you listen to?

almost anything. whatever catches my interest.

7. favorite flower. (you can name as many as you want cause flowers are awesome)

forgot what i said last time but those

yellow carnations i think?

8. if you could do magic, what is the first spell you would learn?

maybe smth to put myself to sleep immediately bc f uCk

9. favorite childhood memory.

my summer camp memories are pretty great. also memories of my dad and i going fishing are good.

10. have you ever been cheated on?

i mean in theory i couldve been bc online relationships but no. n im polyam and have identified as such for a majority of my relationships so no.

11. if you could describe your perfect room, what would it be?

big but not too big, yknow? like big enough that it can be filled and have room to walk around and lay on the ground or whatever but not Empty. and a pretty big bed to stretch out on, n a closet in the room. multiple windows w blackout curtains so theres light but it can be blocked out. n fluffy rugs or carpeting but preferably rugs in case smth spills so we can get it out of at least Remove the rug. and probably a cat tree thing in corner for dipper. n a computer desk and actual lights that light up the whole room. but probably,, fairy lights too bc full lights too bright. and i kinda want a pink room but blue or yellow work also. a nd pride flags on the walls + posters and various other stuff bc plain walls are boring. and tons n tons of b ooks too.

12. favorite animal.

river otter

13. what was the last photo you took of?

cat

14. do you believe in soul mates?

i'm not sure. i do kinda think there are people who you will like. really really click with and who become so important in your life that they're like. apart of u yknow? but i don't think that anyone as an individual needs to keep those people in their life forever. they arent destined to stay with them, and they shouldnt force that relationship (platonic, familial, romantic, or whatever) even if they were close for years and years. screw destiny. youll have people you care about, and sometimes you have to break that bond to save yourself, and thats okay. there will be other people who can and will be just as important. that got kinda off topic skbsks. i don't think theres really like Destiny soulmates. but there could be like. soulmates in the sense of for however long we're together, we're soul bonded. even if its not forever. does that even make se nse skbsns

15. do you hang toilet paper over or under?

over is the one thats socially acceptable right

16. your go to place to eat & your favorite thing to get there.

idk theres a place near a movie theater closeish to my house and its a nice little cafe and i dont eat there bc i dont eat much in general but i get their bubble tea and i love. raspberry bubble tea w rose popping bubbles. its comfort drink.

17. do you believe everything happens for a reason?

no. sometimes shit happens for no reason, and its bullshit, but you can't reverse it, so you gotta figure out how to move on from it.

18. guilty pressures?

im assuming thats meant to be pleasures

umm,, idrk. i don't know what exactly i like that would count as a guilty pleasure so,,

19. favorite mythical creature, why?

merpeople are s o cool i fuckin. love funky aquatic pals hell yeah. maybe im just Water babey but. they're rad. dragons are also hella cool bc like dragons???? theyre scaly and prett y and can breathe fire or have wings and kill u?? also like selkies bc again. water. but i used to hear a lot of stories abt them and theyre so nea t

20. something most people don’t know about you.

i have the potential to be a huge asshole and also kinda Wish to fuckin murder someone sometimes but. i act nice most of the time anyway.

not murder murder but i can get angr y enough that i just wanna Stab smth

21. where did you grow up, what was it like?

grew up kinda near the edge of the city, still in it but not like the main city area. in western washington. it was kinda rly boring, i used to spend a lot more time outside or just by myself playing with leaves or toys or whatever. when i had friends i played make believe w them even when outside of school. so yeah. boring id say.

22. do you believe aliens exist?

sure.

23. what was your last google search?

other than names for some actors n stuff, i was looking up various star wars things

24. what did your last relationship teach you?

the one that like. ended? i guess thatd be. be careful with your own feelings and try to figure them out before jumping into anything, and also don't try to force smth that in reality isnt really working.

25. would you relocate for love?

honestly yeah

26. do you hold grudges or forgive easy?

both. it just depends on how badly i or someone i care about was hurt by it. more likely to hold a grudge if a friend was hurt by someone d eep enough to leave a lasting impact or if they don't get a genuine apology i will be 🔫🔫. or if the person keeps hurting them. even if that person is also my friend.

27. favorite book.

favorite graphic novel is bloom by kevin panetta

favorite books in general are autoboyography, more happy than not, and what if its us. all gay. i know. its okay. im a kinnie.

28. do you consider yourself an extrovert or introvert?

introvert by far

29. have you ever kept a journal, do you now?

i tried once. i probably will have to once i go see a therapist, or at least one for my Bad Thoughts

30. top 5 favorite movies.

in no particular order

little shop of horrors, love simon, coco, it (2017 and 1990), and shazam! ig? maybe others but i definitely Forgot all the shit ive watched

31. do you believe that everything happens for a reason?

no

32. what is your greatest fear?

definitely gotta be all of the people i love hating me and abandoning me or secretly hating me and then leaving me without saying anything. and the worst part is im always afraid its gonna happen babeyy

33. favorite alcoholic beverage.

im baby

34. most embarrassing thing you’ve done.

im embarrassed by my own existence. i don't remember the Most embarrassing thing

35. do you believe in ghosts?

not until i have proof that i can actually trust and believe in

36. what is the best and worst part of your personality?

idk ig im nice. but im also. very easily set off on certain emotions especially the bad ones which sucks like especially jealousy bc i dont wanna!! feel jealous!! tho i think that ties into my greatest fear bc my brain immediately tells me im useless to everyone and they hate me. but. sometimes i get jealous and then feel bad for that and then hate myself for all of it. bc my friends deserve to hang out w other people and care about other people im just fucking stupid babey !!

37. should you split the dinner bill?

i rly don't get why you wouldnt tbh like if u both wanna be there u should both pay. but if one person gonna pay it should be the person that asked.

38. are you a good liar?

most of the time. when it comes to my mental health i can either lie great or im literally breaking down in front of the person so

39. what keeps you up at night?

depressing thoughts. anxiety about everything. wishing i could cuddle and fall asleep w jay. sometimes i just cant sleep bc im too restless.

40. would you rather go without your phone or music?

music. i need my phone to text my friends and i Need my friends

41. do you believe in god?

what god would let the world get to the point its at. what god would allow people to do such fucked up shit.

no. i don't.

42. how do you relax when frustrated?

cry, take a nap, take a shower, listen to music, cuddle dipper

43. what’s something that offends you?

when people go "oh yeah i support gay rights but im still gonna eat at chick fil a bc its good" like i get so fucking. pissed off by that. youre not gonna fucking s ta rv e without their goddamn chicken. i know a bi person who goes there and says its okay bc they dont Directly Give Their money to Specifically anti gay organisations but im just. ugh. fucking pissed bc there are other places to get food just avoid the one place for fucks sake. their food is good it doesnt matter. its like saying yeah pewdiepie is a bad person and nazi and a racist asshole but his videos r funni haha so im gonna watch him anyway

44. favorite food

i hate myself whenever i eat food

45. if you were on a 10 hour flight and could sit and talk to any person the entire time, who would it be?

@destinedformuchmore or @pinaplelee

46. when do you feel the most confident?

never? but ig i feel confident when working on tech construction during theater tech. as long as i know what im doing.

47. what do you do in your free time?

sleep. draw. cry. play video games. talk to my friends.

48. is there anyone who has completely lost your respect

matpat did for being a dick abt neopronouns and making a transphobic joke and only apologizing when a cis person told him to. not when hundreds of trans people did. and also other jokes that are inherently offensive to various groups. a n d for making extremely not Child friendly jokes in his videos which are very much targeted towards kids. say what you will about the target audience, there are a lot of children who watch them. please stop making creepy nsfw jokes if you won't even swear, sir.

49. have you ever broken someone’s heart?

i guess so yeah. but she also broke mine first.

50. did/do you play sports in school?

i did. i don't anymore bc highschool sports are bullshit but. basketball, ultimate, and soccer.

51. when are you happiest?

talkin 2 jay prolly

52. coffee or tea?

tea

53. what is one possession you own you wouldn’t want to live without?

my binder. or my stuffed cat puppet thing ive had since i was 7

54. what is the first thing you notice about a person?

their general emotions, mostly. like if theyre in a good mood or if theyre bored or distracted or whatever. or if they seem interested in actually talking to me

55. what is your favorite season, why?

fall. my birthday, the atmosphere is nice, it's pretty, its hoodie weather.

56. what makes you laugh?

stupid little comments or jokes my friends make tend to make me laugh a lot harder than i should but jabdn

57. are you a clean or messy person?

a mix. i Cannot have some things messy or i will ksjqkd. Die but i don't make my bed too often bc its ha rd when its against 3 walls.

58. what is important for a successful relationship?

communication communication communicati

talk about ur goddamn problems n keep talking to each other.

59. what was your upcoming like?

if thats supposed to be upbringing

idk, very relaxed. pretty easygoing and kinda boring.

60. favorite holiday?

any holiday in december rly. i don't celebrate a Lot but the atmosphere and others celebrating is nice to see. i kinda wish my parents did more to embrace the jewish part in our family blike. whatever. christmas is fun.

61. what is the first thing you’d do if you won the lottery?

give half of it to my parents. and then probably use it for plane ticket

62. what’s the best pizza topping combination?

hawaiian pizza. pinapple n canadian bacon ty

63. favorite outdoor activity.

frisbee

64. how are you? honestly.

not great. i want highschool to end.

65. would you rather go camping in the woods or stay at a beach resort?

idk. camping is fun but if i get to stay at the resort for free i would rly love 2 stay at a resort tbh ive never done that

66. what is the most beautiful thing in nature?

waterfalls. or rivers or just. water in nature. and very green forests. aNd snow.

67. favorite type of candy?

none

68. if your life was a book, what would be the title?

i can and will do arson, an autobiography

69. what movie quotes do you use of a regular bases?

i quote john mulaney and whatever my obsessions are pretty regularly

70. what was cool when you were young but not cool now?

silly bandz. pokemon cards. these weird unicorn figures i collected

71. what’s the craziest conversation you have ever eves dropped on?

im mostly the one having the weird conversations

72. what’s the most interesting documentary you’ve ever watched?

i watched one about dogs and cats and their evolution which was lit

73. what’s the worst hairstyle you’ve had?

when i let the lady just go fuckin ham on my hair bc i was watching spirit that horse movie and didnt wanna stop so it was. rly bad bangs and hella short in back but not the sides

74. what do you like to cook?

whatever im hungry for. i don't have the energy to cook a lot

75. what’s the coolest animal you’ve seen in the wild?

really pretty tropical fish

76. what’s the funniest tv show you’ve ever seen?

idk. i rly like schitts creek its pretty amusing

77. do you usually follow your heart or your head?

heart at first but my head if things get bad

78. what is your favorite quote?

"i have a splitting headache and i think i'm dying. how are you?"

or a character just saying "try harder" when another failed to do smth.

this is supposed to be deep or whatever but im in a Mood

79. what’s the weirdest crush you have ever had?

once had a crush on a character in a minecraft parody lmao

80. what’s your love language?

sending shit that makes me think of them. n just. making tons of stuff for them both online and irl like bracelets.

81. do you ever feel alone?

oh yeah. all the time. im not but it feels like i am which sucks

82. ever been bullied?

yeah

83. are you usually early or late?

late bc of my parents rip

84. what kind of art do you enjoy most?

drawing, or writing. also theater.

85. what do you wish you knew more about?

i just wish i could remember everything ive learned more about. i know a lot i just forget all.

id like to know more about forensics tho

[clarencenicholsonata]

9 Ways to Start Leveraging YouTube for Your Brand's Marketing

YouTube is widely regarded as the second largest search engine, topped only by Google. And because people use YouTube the same way they use Google, it’s a valuable marketing platform for businesses big and small.

Want to start leveraging YouTube marketing for your brand? Here’s everything you need to know to get started.

Why invest in YouTube marketing

If you want to see why YouTube marketing can be your next main marketing platform, just take a look at how one marketer benefited from using YouTube.

In 2017, WebsiteSetup.org founder Nick Schäferhoff focused on putting out blog posts that taught people how to create websites. He eventually found the space too crowded and many visitors would bounce then look up the same topics he’d be teaching from YouTube videos.

Schäferhoff then decided with Youtube influencers, getting them to promote his guide to making a website. The move paid off – traffic to his website increased 22.3% in the year that followed, most of which came directly from YouTube.

We can attribute the success marketers receive from YouTube for the following:

Demand for video content is on the rise. About 300 hours of video are uploaded each minute while 5-7 billion videos are watched every day. In fact, YouTube alone gets about 30 million visits a day.

Videos can show off your brand personality. Many brands are turning to YouTube for a reason – they get to be more personal and approachable for their audiences, establishing relationships that might be harder to do with just blog posts and email newsletters.

Better engagement and brand recall. Because you’re able to present information differently, people are more engaged with your content and are likely to go through the Know-Like-Trust journey faster.

How to Start YouTube Marketing for More Leads and Sales

You probably already have a few lead generation strategies up your sleeve. So if you want to leverage YouTube and use it to boost your current marketing efforts, follow these essential steps.

1. Create an audience-first content plan

On YouTube, your content is king. While it pays to put a product demo or two on your channel, you won’t generate more leads unless you provide deep value. So in order to create the best possible content, get to know things that your audience might like, such as:

Video style. Do they prefer talking head videos like vlogs, animated videos, interviews, screencasts, tutorials, etc.? Chances are they already view more than one video type, so you’ll have several top options.

Length. Some people want to get as much information out of their videos as possible and don’t mind comprehensive 15-minute videos. Meanwhile, others might want quick info they can get in just a few minutes.

Topics. When you’re using YouTube for marketing, it’s important to create content about your niche. Feel free to experiment on creating topics in adjacent niches or formats. For example, if you’re marketing your app for weight loss, you can create the occasional broad lifestyle video that briefly mentions weight loss – e.g. 10 Habits that Will Change Your Professional Life – instead of focusing on just weight loss topics.

If you’re already blogging, you can repurpose your content into videos. But if YouTube is your first content platform, refer to your buyer persona to determine what kind of videos to create for your audience.

2. Optimize your video titles and descriptions

YouTube SEO isn’t nearly as complex or deep as Google’s, mostly because your video title and description do most of the work for you. Because of this, have SEO-friendly video titles and sprinkle in your main keywords in your description organically.

Unfortunately, YouTube doesn’t consider things like backlinks to help boost your video rankings. Instead, it focuses on Audience Retention, meaning how long people stay on your video when they first click.

3. A/B test your video thumbnails

Thumbnails are the first thing people will look at when deciding which videos to click. To help you find the best formula for thumbnails, consider these best practices:

For reviews, testimonials, etc., it’s best to include either photos or logos of the products you’re reviewing.

Generally you’ll want to include a person – particularly the person in your videos – to be in your thumbnail.

Inject short eye-catching text around your thumbnail.

For list type videos, you can tease some of the items by including their photos.

For tutorials and walkthroughs, showcase the finished product.

Have a signature look for your video thumbnails. You might be able to get this only once you’ve determined which thumbnail styles get you the most views.

4. Add cards and end screens

If you want YouTube to recognize your channel and content as valuable and interesting to viewers, you’ll want them to keep watching your videos for as long as possible. This is where cards and end screens play a big role in leading your viewers to another related video on your channel.

5. Organize videos into playlists

You can easily show audiences that you have related content by putting videos into relevant playlists. These work great especially for a series of tutorials that might tackle a different step in detail.

This way, you keep people watching your content and allow them to discover any related videos that might not have popped up on their Related Videos sidebar.

6. Add subtitles and closed captions

We briefly mentioned before that YouTube SEO isn’t as complex. While you’re mostly limited to your title and description, another way to optimize for search is by including subtitles and closed captions.

These serve another purpose beyond search, of course: you can give better customer experiences on your videos by giving viewers the option to read subtitles while they watch.

7. Partner with other YouTuber channels and influencers

There has never been a better time to connect with YouTube influencers. Recent data from Internet Advisor shows that YouTube traffic is up 60% from February 2020.

As of writing, this can be attributed to the coronavirus-related quarantines, which is forcing many people to search for content either to inform or entertain while they’re at home.

This makes doing video content a prime arm in your marketing strategy. And while you should be creating your own videos, it’s equally beneficial to reach out to more established YouTube creators who can help you reach your audience. (Remember our earlier example about Nick Schäferhoff and his 22.3% traffic boost from working with YouTube influencers?) Consider sponsoring a video, sending free product or trials for a review, or even doing a close long-term partnership together.

8. Cross-promote your videos on other platforms

When your videos are published, you’ll want to promote them on other platforms to get as many views as possible. Share the link to the video to your email list, embed videos on your blog posts, and reshare the video multiple times on social media.

We’re sure you’ll be publishing a lot of evergreen content on YouTube, so be sure to keep reposting links to these videos on your social media feeds and email newsletters even as time goes on.

9. Review analytics constantly

Last but not least, your YouTube analytics can tell you a lot about your video performance. Instead of paying attention to your total views per video, zoom in on metrics like Watch Time, Average View Duration, as well as Likes vs Dislikes.

Watch Time and Average View Duration can tell you whether or not people are watching until the end or if they start dropping off at a certain time.

Likes vs Dislikes can also tell you which videos people found helpful – but you may also want to pay attention to comments alongside this to see why people might have rated your video the way they did.

Get vlogging

Video is a fantastic way to engage with your audience like never before. And if you’re sure this year is the year you want to start leveraging YouTube marketing to create and promote more video content, then follow this guide above to help you get started. Soon, you’ll see raving fans and hot leads coming in – all thanks to YouTube.

About the Author

Kevin Payne is the Founder of Kevintpayne.com, an inbound marketing agency and HubSpot Partner that helps tech startup founders implement inbound marketing campaign sprints to increase their qualified leads.

from RSSMix.com Mix ID 8230801 https://ift.tt/2KnQ80v via IFTTT

[sizzlingcrusadebouquetfan-blog]

Oswegatchie New York Cheap car insurance quotes zip 13670

"Oswegatchie New York Cheap car insurance quotes zip 13670

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Am I elgible for Unemployment Insurance. I am a Green Card Holder 3 years and I'm suddenly out of work!?

Am I elgible for Unemployment Insurance. I am a Green Card Holder 3 years and I'm suddenly out of work!?

""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 :)""

Do i need to call my car insurance company?

I was in a car accident today and it was not a small accident. I hit a car on its side. there was an older woman so an ambulance came but she ended up not being hurt, just procautionary. the police were called and they took all my info and whatnot. It was wierd the police did not give me any papers or anything and told me i could leave. they just asked me if i wanted my car towed and i said no. the police officer also told me when i asked him that i dont need to call my insurance company unless i want to make a claim. is that true? i only have 1 way insurance so im probably going to scrap my car. I always thought u should call them no matter what, do you know if i am obligated to call them or will they contact me? location: Quebec, Canada thanks a bunch, Tyler""

Oswegatchie New York Cheap car insurance quotes zip 13670

Oswegatchie New York Cheap car insurance quotes zip 13670

Is AETNA a good health insurance to get?

my benefits package came from work, it offers medical from Aetna is that a good health insurance provider? What about Guardian Plan ppo for Dental??""

Is Progressive Auto Insurance a good company?

I have several insurance quotes from State Farm and Allstate, and Progressive beats the price by almost half. But, when something looks to good to be true, it probably is. Is this good insurance? Are they good with claims?""

I need help on a car insurance question....?

so i got in a car crash and got the guys information; aside from his house address.... so my question is there any way that i can get a copy of that information or something with his name and adress included??

Will Progressive insurance do this for me?

Progressive advertises that they show you the rates of other insurance companies as well as theirs. I am a current long time customer of Progressive and want to shop to around for cheaper options. If I call Progressive, will they give me the quotes of other insurance companies without me having to shop around?""

Motorcyle prices?

IM thinking about buying a crockrocket. What are the average monthly payments.......ball park... And also, what is an average montly insurance payment?""

""I got into a car accident with no insurance, but it was 100% his fault.....?""

I was just wondering..... I got into a car accident that was 100% his fault. I have no insurance and he did. My car got impounded and was wondering a few things.... If the police report says its his fault, would his insurance people fix my car or get it out of impound or anything? Or am I just screwed because I had no insurance?""

Car Insurance Question?

Can a 16 year old girl drive her parent's car alone without her name being on the insurance?

Car insurance?

Are there any cars which are very cheap to insure? I have at several but insurance is still quite high, how do i know which will be lower than others?""

Can car insurance be under my name if the title of my bfs car is in his name?

My bf is getting his mothers car. Can he put the title and register it in his name but have the car insurance in my name? He wants the insurance in my name so that he has a better rate. He had a DWI 2 years ago. If that is possible what kind of issues could i possibly have if the insurance is in my name.

Why is the tripling of insurance premiums called Affordable Health Care ?

I got a letter from my health insurance company that my current policy (which I was just fine with) would be cancelled in 2014 and if I did nothing I would automatically be changed ...show more

What kind of life insurance companies are there in states?

What kind of life insurance companies are there in states?

What is the best insurance policy for my llc business?

What is the best insurance policy for my llc business?

Is motorcycle insurance normally cheaper than car insurance?

For example if I wanted a Kawasaki Ninja 250,compared to a Toyota Corolla?""

What are the best car insurance company's?

In California it is Wawanesa low insurance rates for good drives only

Is it misandric that young men have to pay more for car insurance?

I mean, its noted that young men tend to have more severe accidents, than women and older men - but isnt this just another case of generalising based on age and sex? A similar generalisation made about women, would have caused an uproar and certainly no policies would have been based on such generalisations about women - as it would face immediate protest, then why is it OK to generalise young men like this? Source : http://education.yahoo.net/auto-insurance/articles/why_do_men_pay_more_for_car_insurance.htm""

Does leasing a car affect insurance more than financing?

So because I don't technically own the car, will leasing a new car be more expensive than buying a new car... insurance wise? Or is there a negligable diffenence?""

Where can I get a cheap-ish car insurance quote online?

Where can I get a cheap-ish car insurance quote online?

E&O insurance?

Any suggestions on where or from what company I can buy affordable E&O insurance? I'm in GA with a soon-to-be life and health license.

How much would taxi insurance cost?

How much would it cost to insure a car essentially as a taxi? Also how much would it cost for a person to be insured in a customers car (any car they drive)?

What is car insurance quotes online policy ?

what is car insurance quotes online policy ?

Can a health insurance company deny emergency medical coverage based on the final diagnosis?

I went to the emergency room for symptoms suggesting a life-threatening illness. It turned out I did not have a life-threatening illness and the ER doctor diagnosed something much ...show more

Are SUVs more expensive to insure?

I know you can't tell me for sure whether or not one will be more expensive. But, generally speaking is a small SUV such as a Ford Escape more expensive to insure than say a midsized car like a Honda Accord.""

Insurance Question?

If I am pregnant and my current employer provided insurance covers maternity but then my husband gets a job out of state and we must move will his comparable insurance pick up my maternity costs even though it is a pre existing situation?

Can you change health insurance before surgery?

I have an Anthem individual health plan. It's kind of expensive but I haven't been working and really wanted to have health insurance. I just started a full-time job that offers health insurance benefits. They offer Anthem insurance similar to what I already have just at a much cheaper cost to me but I'll probably have to get a new policy number. I'm having breast reduction the 2nd week of August and I've already received approval from my insurance company for them to pay. However I want to get insurance with my job but I only have 30 days from the start of employment to enroll in their plan. I'll be calling Anthem next week to see how this will affect my surgery but what do you all think? Is it possible to change policies before a surgery that's already been approved? I don't want to miss the open enrollment with my company but I also don't want to risk having to cancel my surgery. Thanks!

""How can i get insurance if my car cost 20,000?""

How can i get insurance if my car cost 20,000?""

Oswegatchie New York Cheap car insurance quotes zip 13670

Oswegatchie New York Cheap car insurance quotes zip 13670

Looking for a car around $6000?

so im looking for a car that i can make my baby and put some time in to.. not looking for a full restore project. needs to driveable when i need it to. i have 6000 to spend and really want awd. stock turbo or supercharger would be a plus but not a must. would love to have an audi a4 but a little worried about how much the maintenance and insurance will cost me. cars that i have been thinking about instead honda accord coupe vw jetta/passet/golf nissan maxima ford mustang v8 (of course) acura tl/rsx toyota celica Mitsubishi Eclipse gsx any input to help make up my mind would be nice

Do Police Officers have to pay for their police car & insurance?

Im wondering if police officers have to pay for the police car they use, and if they have to pay for the insurance, or is it covered by the police department? and do they receive gas money or you have to pay for it out of your own pocket?""

""People tell me i can get insurance of my own under18, is this true?

i want a vehicle but my father wont let me get one because hes scared that if i wreck than it makes his rates go higher. can i get my own insurance and not be on my parents?

Do I have to tax a car if it is insured? I know that you HAVE to insure a car if it is taxed.....?

What I know. You have to tax your car unless you do a SORN. If you have done a SORN you don't have to pay car tax or even insure your car if you don't want to. If you don't intend to drive your car but it has car tax then your car HAS to be insured by law. But what about the other way round ...? If you have a car insured but it is in the garage and you never intend to drive it, for example it is a collectors item, do you HAVE to tax it? I can find on the net yes you have to insure your car if it is taxed but cannot find confirmation either way whether you HAVE to also have your car taxed if you never intend to drive it but you do want it insured. If someone confirms that it doesn't have to be taxed, could you provide details of where you found this information so that I can obtain a copy for my records please? Many thanks Lisa""

Cheaper insurance? bmw 3 series or volkswagen jetta?

What would be cheaper on insurance? A 2002-4 Volkswagen Jetta gli or gls (manual v6 around 200 horse). Or a 1999-2002 BMW 3 series? (also v6, manual, and around the same horsepower). Both would be sedans. Im a 18 year old student with a perfectly clean driving record. What would be cheaper? Why? how much cheaper?""

Does getting car insurance quotes lower your credit score?

I was wondering if getting multiple insurance quotes can significantly lower your FICO score due to inquiries..especially if you have a limited credit history..

""I need good, affordable health insurance. Any suggestions? Do any exist specifically for Nursing students?""

I already looked into StateFarm and they quoted me at near $200, and that's just way too much. I need something that's gonna be less than $100.""

Auto insurance?

My car was hit about a month ago and I'm still strugling with the insurance company. I was not at fault and my claim was denied because the insurance company can't get in contact with the policy holder (obviously doesn't want to take responsiblity). I think it's a bunch of bull---. Is this possible?

Does it cost more money to ad your spouse with your car insurance?

My wife keeps asking for my car. But I dont feel comfortable giving it to her becuase her name's not under my car insurance. How does it work if i want to ad her on? Do the insurance company charge you more money or is it still the same? If they do charge more money, do you know any insurance that's reasonable price? thank you""

False Auto Insurance Claim Against A Friend?

A very close friend of mine received a call from his auto insurer yesterday regarding a 3rd party claim against him. According to the 3rd party, my friend hit their parked car (which was parked on the curb in front of their home), then parked his own car, went up to their house, rang their doorbell and exchanged insurance information. The 3rd party claims that this took place in a town that's more than 1 hour away from where we work and live. This allegedly happened 3 months ago. There are two major problems with this story: A- The alleged incident never happened. I carpool with my friend to and from work and was with him that night. B- The 3rd party has all of his insurance information. Could the insurance company have called the wrong person (i.e. gotten policy numbers mixed-up while processing the claim)? If not, how could a 3rd party have his insurance information? How common are fraudulent insurance claims (against another person)? And has anything similar happened to you or someone you know? My friend is a little worried because there is some minor damage to his rear bumper. We live in a major city and pretty much every 3rd car has nicks and scratches along the bumper from parking garage 'mysteries' and whatnot. Also, about 8 months ago, a young woman rear-ended us while we stationary, waiting to turn left at an intersection. Other than a scratch to his rear bumper caused by her license plate bolt, there was no cosmetic damage, and while we exchanged insurance information, my friend decided not to file a claim (she was very nice and didn't look as though she had a lot of money). I'd hate to think that it's her trying to commit fraud against him...""

List of top insurance companies in USA?

Can u pls list down top 20 US companies in each category of insurance ... Car Home Life Health Property Marine General etc.

How much a month for loan and insurance for a 350z?

Ok so I'm gonna be 20 in a couple months and I'm tired of driving my crappy integra. I've been saving up and I'm set on getting a 350z. My price range is about 12,000 tops. If I put a down payment of about 5 or 6 grand how much would I pay per month for the loan. And how much would I pay a month for the loan along with the insurance. I'm on my parents plan. I don't know much about interest rates. Can you give me estimates on different lengths of loans and interest rates Thanks ily""

""I want to buy a 42,000 dollar truck, but only make $8.03 an hour, will I be able to afford it?""

I am estimating a 600 dollar a month payment ( not including vehicle insurance) I work at a hospital. Work 12 hour shifts, about 3 times a week. Monthly paycheck about 600 bucks. Will I be able to afford this truck? I really want it, my dad says I won't be able to afford it. But if he co-signs for me ( being he has excellent credit. Will I be able to get the truck?""

Owner of car but not main driver on insurance ?

Hi I'm 18 in a month, and I'm buying a car on finance and I am paying because it will be my car. My dad will use it the same amount as I will be using it until I have it paid off then it will be completely mine. I was wondering can I be the registered owner of the vehicle but be a named driver on the insurance? I know about fronting but of we drive it equally why wouldn't my dad be the main driver as it is cheaper? But does it mean he has to be the registered owner? Thanks""

Where can i get auto insurance for cheap?

i have a utah license but live in idaho. i don't want to pay much more than $150 a month.

How much will my insurance go up for a leaving the scene ticket?

How much will my insurance go up for an 18 year old male, with a leaving the scene ticket and driving with an expired license ticket go up? I was at college yesterday, I hit a car. I didnt leave a note, i was not thinking straight from pulling an all nighter for an exam. And I did not call the police because no one hurt, in fact, the other person was not even in his car. And i did not want to miss my exam.. I know, i could of wrote a note, but im an idiot... i feel like ****. i feel bad for my father, his car and stuff.. Im going to get a job to pay for it.. i cant let him pay for my shitty mistakes.. so i was wondering, how much will my insurance go up.. :(""

How much would my car insurance cost?

I'm trying to find about how much my car insurance would cost and none of the insurance website would give me a quote for some reason. I'm a 17 year old female who has a 2003 saab 9-5 (4 door) who's never been in an accident and who took drivers ed.

What is the cheapest auto insurance?

Hi thanks for taking your time to answer this question... I have geico right now, but dont think its the cheapest insurance company I have... I dont really care if customer service is bad, as long as its cheap!!! so please tell me... WHATS A CHEAP INSURANCE COMPANY??? lol""

WHO HAS THE CHEAPEST CAR INSURANCE (FULL COVERAGE) AND THAT'S NOT GEICO?

I just had geico and I would like to change car insurances. Whose rates generally have lower down payments and monthly?

HOW MUCH WOULD INSURANCE BE?!?1?

So I'm looking at buying a new car but don't want to pay a ton for insurance. First of all I'm a 15 year old guy and i know that's going to change the cost. Now the two cars I'm looking at are a 1974 Chevy Nova or a 1995 Mitsubishi Eclipse. from your experience how much would you guess? And i know its different for every insurance agency and right now I'm going with Progressive. Thanks a ton for your help.

I need cheaper car insurance?

hi there.. im 19 years old and ive been driving 1 year and ive had 1 claim against me. when i 1st started driving i paid 1600 for the years insurence..now it has gone up to 1900 cheapest on compare the market. is there any insurence company or brooker who can give me a quote for 1600 or less who specialise in young drivers who have had a claim? please help me asap as I am really depressed about this

What is the normal rate for car insurance for drivers between 18 and 25?

Hello i am interested to know how much the average car insurance cost would be for young drivers between 18 and 25 years. can anyone help me please? thank you.

Cheapest car for a learner driver to insure?

my mums insurance wont insure anyone under 21 and my dads insurance want just under 3000, so i wondered which would be the cheapest car for a learner driver to insure? thanks xxx""

What is the cheapest car insurance?

I'm going on a road trip with my friend and we're wild and stupid. I'm not looking to hear your advice on the subject I'm smart enough to come to those conclusions on my own. However, I want to know what car insurance, would be the cheapest so that we may legally drive in every state. What kind of coverage would be required? How cheap can we get it down to? Thanks friends.""

Car Insurance Problem Please Help!!!?

Hi everyone, somebody hit my car and drove off about 3 weeks ago. I phoned my insurance up and made a claim, the problem lies now on my son, who is the addtional driver and who hasnt been driving my car because he doesnt need to. The problem is that he has had drink driving conviction and no insurance conviction for about 3.5 years. Prudential my insurance company want to see my licence and his licence counterparts, BUT we completely forgot about the convictions etc. So now I have a problem where i think my insurance will be void but he doesnt drive the car nor was he involved in the accident. What happens now as they have requested both photocopies of our licences, is there a way out of this, thank you""

Oswegatchie New York Cheap car insurance quotes zip 13670

Oswegatchie New York Cheap car insurance quotes zip 13670

What is the most affordable personal medical insurance carrier you have found?

I know that no medical insurance is cheap, especially when you have to buy a personal policy not given thru your work. But, I have to get coverage for me and my husband. We just need basic insurance I guess....Like for medical and dentist visits. Have you found a more affordable insurance carrier? Or have any advice on what to look for in a new one? Thanks!""

Do you need motorcycle insurance in Georgia?

do you need motorcycle insurance in Georgia

Can a car insurance company make up points on your license?

So in early march my apartment was raided for pot, and a 1/2 gram was found. I was convicted of possession of marijuana and as part of Michigan's driving laws even if the incident did not occur in a car your license is restricted for 6 months. Yesterday my mother (the insurance for the whole family is in her name) received a notice that i had 8 points on my license and my insurance rates would be raised. Confused about this i went to Sec of State and in fact found out that i have no points. I called Memic and explained this to them, they informed me that they do not use actual points, they use their system of points. For example OUID is a 6 point offense but they count it as 8 points. Passing a stopped school bus (which as far as i can tell is no points) they view as 8 points. My question is, can they do this? We are switching insurances next month due to cheaper rates but this seems like a shady business practice to me. Thanks for ur time!!! -Pat""

Where can I find affordable medical insurance as a self employed person?

I am a self employed person so I don't have medical benefits like you would if you work for a company. I am paying well over $600 a month for medical insurance coverage as a business owner. Does anyone know of a program or something that offers cheaper insurance to business owners?

Which of these cars would be good for a first driver? Which one would have the cheapest insurance?

1. 2005 Ford Five Hundred 2. 2000-2005 Jeep Wrangler 3. 2000-2005 Honda Accord 4. 2007 Dodge Caliber 5. 2004-2006 Mazda 3 6. 2006-2007 Volkswagon Jetta Please Help!!!!

How much will insurance cost on a 94 eclipse?

I am an 18 year old first time driver. the car has 133000 miles on it and i'm thinking about buying it from a friend. it is white. how much will the insurance be monthly? roughly?

Whats a good insurance company?

Hi guys!I just bought my first bike and I'm trying to find out which insurance company is cheap? I bought Suzuki Sv 650 bike.I need full coverage insurance. I just don't know how to get a insurance for my bike please help. Please tell me everything I should know aboout.

First traffic violation. How much will it affect my insurance?

So today I got my first traffic violation after 9 years of driving. I am 25 and have been driving since I was 16. I stopped to far in a stop sign and passed the line. How much will the ticket cost? I live in CA. How badly will this affect my auto insurance? Right now I pay $150 every 6 months for liablity coverage.

Why does my car insurance come up so high even when im 21 years old?

hi the car insurance has been destorying my life. I cannot figure out why car insurance in UK is so high, im 21 and i want to insure a 1.6 mazda 3 which is i think group 6 insurance. I HAVE CLEAN LICENCE!! no claims or any other other conviction and still the cheapest quote i get is 6000 hahahaha. thats ridiculous!!! like 2 years ago i use to get cheap quotes for same size cars at around 1000 now for some reason same thing costs me more!!!!!!!!!!!! i have tried everything but cannot figure out why this happening. PLZZ HELP ANY ADVICE WILL HELP SO MUCH. i have 0 years no claim discount but thats because i have been on my dad's policy but even then dont you thing 6000 quote is mad, even when i try insuring a littlle 1.0 ltr car quote comes out at 5000 lool""

How do you get long-term heath care insurance in Georgia? And how you pick the best one for you?

My grandma might need to go into an assisted living home soon? My family are thinking about a Sunrise Community and they take long term health care insurance? How do you obtain and pick the right type and does Medicare cover it? thanks

Does anyone know where I can get cheap short-term car insurance?

I'm due to go away travelling in January, so just want to insure my car (previously declared off the road) for a month or two before I go. Thanks in advance for your help! :) Sarah""

Is Globe life insurance any good?

I requested info from them, and after looking at their brochure, I think I would like to sign up for it. Is it really any good??""

""How much would insurance cost me for a $200,000 porsche as a teen?????? PLZZ HELP GUYS PLZ!!!!!!?""

Im planning to buy a $200,000 porsche drive away. Im going to get superior insurance (the best insurance) that covers my car fully. HOWEVER the problem is im a teen 19 year old and insurance rates appparently fly above the sky. HOW much will it cost insurance a year????????????????????? ?????????????????/""

How much will my insurance go up??

i have 21st century auto insurance and i have been driving since february 2008 and i am 18 years old. i bumped a state vehicle (caltrans) but there was no damage done whatsoever to the vehicle...as for my car...there was a small scratch that i will not repair. however chp said since its a state vehicle they have to report it. how much will my insurance go up??

Primary and Secondary Health Insurance?

I would like to know what health insurance company is my primary. I had health insurance through my previous employer. I worked until the 6th of the month and I was told I had coverage through them until the end of the moth. My new job health insurance went into effect on the 1st of that month so for one month I had 2 coverages. One health insurance company is saying the job I was at first would be primary until the coverage ended. The other insurance company (the one I had the longest) says they would be primary up until my last day at my first job. Then even though I had two coverages my active employers health insurance would be primary. I will find out from my health insurance company tomorrow what is primary but since there office is now closed does anyon know the answer to this.

What is the least expensive car insurance money can buy?

So i REALLY need a car, but i CANNOT afford insurance. Honestly, if it was legal to not have insurance on a car, i would do that. So the only reason i'm getting insurance is so that i'm legal on the road. I don't care if the insurance covers only the tires of the car, what is the least expensive company and quote i can get?""

Car insurance problem..help!!!?

my bf crashed my car and was trying to cover my car with his insurance they said since i gave him permission to drive that i had to cover it.. i callled my insurance they said since he was at fault that i have to cover my own car out of pocket..is there anything else i can do ...

What is the best and cheap motorbike insurance I can get?

Hi everyone. I'm buying a motorbike soon and wanna know the cheap and best motorbike insurance I can get. I'm 17 and getting a 125cc motorbike and just wanna know the cheap and best I can get thanks you.

Will my car insurance rate increase if my car is stolen and never recovered?

I also have GAP insurance.

Is a mechanical failure covered by an auto insurance policy?

is the cost of repairs for a mechanical failure covered by an auto insurance policy? Example: engine or transmission? I have full coverage on my vehicle

First time drivers auto insurance?

Ok so I'm 17 and I'm a first time driver can you please name some of the cheapest insurance for me. The most a 100/ month thanks I live in California

Is this insurance Fraud?

My Fiance and I have very expensive car insurance right now and when we went to change companies the company we were at (its a certified insurance company) wanted to keep our business so they made our insurance allot cheaper by saying we are married, but we are only engaged. Can we get in trouble for this? Is it insurance fraud.""

Insurance cost?

how much would insurance cost if i took drivers ed classes and get a license if you are 16 and own a paid off car

Insurance would cost for 21 male?

how much would it cost me if i get liability not full coverage ... i havnt bought a car as yet but im thinking of buying 95 accord 4 dr or 96 maxima ... just curious to know what my insurance would be...

Car insurance--rates hiked after filing claim for hit & run?

do car insurance companies hike your rates if you file a claim for someone else doing hit & run damage to you? I've heard stories of car insurance companies doing that--even if ...show more

Oswegatchie New York Cheap car insurance quotes zip 13670

Oswegatchie New York Cheap car insurance quotes zip 13670

https://www.linkedin.com/pulse/online-health-insurance-quotes-missouri-olivia-berrington/"

[victoriazoey26]

How to Pay Off High Interest Credit Card Debt

Perhaps like many Americans your New Year’s resolution involves paying down credit card debt. After all, even the most ardent supporter of the plastic hears that little voice in the back of their head “credit card interest rates are a huge ripoff, I shouldn’t use my Visa card as much as I do.” To be sure, if you’re trying to get your financial life in order, taming high interest credit card debt is job number one. Unfortunately, many consumers get caught in the minimum monthly payment trap, leaving stagnant balances that seem to never go away. So how do you go about paying down credit card debt and getting rid of Mr. Visa once and for all?

Damage Assessment

The first step to paying off your credit card debt is to figure out the exact amount that you currently owe. It’s not until you have exact balances and the interest rates you’re being charged that you’ll know how high of a mountain you’re faced with climbing. In addition to outstanding balances, add up the monthly payment for each card and figure out how much of your income is going to credit card payments every month. Organization is key. We’ve created a simple chart to help you organize what you owe.

Break Your Dependence on Credit Cards

In other words, stop using the credit cards! The idea in starting a plan to pay down credit card debt is to attack the principal balances rather than just paying interest every month. The credit card companies want you stuck in debt, feeding them their interest every month. The only way to stop interest from increasing is to stop the balances from increasing. Put together a budget and stick to it, without using your credit cards. Often, aggressive budgeting is the fastest way out of debt. It might hurt at first, but the sense of satisfaction you’ll receive from paying off your credit card debt will far outweigh any temporary inconvenience. If you absolutely need credit cards to live, it might be time to consider filing for bankruptcy.

Pay Off One of the Cards

To gain momentum in your quest out of credit card debt, pay off the smallest card first. Completely retire one of the balances, it feels good. Some will argue that tackling the highest balances first makes sense, but momentum will play a big role in getting you out of credit card debt. Get rid of the smallest card and the rest will start to fall in line.

Pay More Than the Minimum Monthly Payment

Salt Lake City bankruptcy attorney wrote an excellent post on the National Bankruptcy Forum describing the major problems consumers face when they try to pay just the minimum on a credit card. He listed a table showing how long it takes to pay off small debts at low interest rates which we’ve included here:

$1000 balance, 18% interest, minimum payment $100 = 11 months to payoff $1000 balance, 18% interest, minimum payment $50 = 24 months to payoff $2000 balance, 18% interest, minimum payment $100 = 24 months to payoff $2000 balance, 18% interest, minimum payment $50 = 62 months to payoff $3000 balance, 18% interest, minimum payment $150 = 24 months to payoff $3000 balance, 18% interest, minimum payment $100 = 40 months to payoff $4000 balance, 18% interest, minimum payment $200 = 24 months to payoff $4000 balance, 18% interest, minimum payment $150 = 34 months to payoff $5000 balance, 18% interest, minimum payment $200 = 32 months to payoff $5000 balance, 18% interest, minimum payment $150 = 47 months to payoff $5000 balance, 18% interest, minimum payment $100 = 93 months to payoff

As John points out in his article, these figures don’t even factor in administrative or late fees which can add up quickly! The bottom line is that minimum monthly payments on credit cards usually represent interest only, the underlying balances aren’t touched by making these payments. To actually get out of credit card debt it will be crucial to pay more than the minimum monthly payment, there’s simply no other way.

Transfer Debt to Lower Interest Cards

As the table above demonstrates, the credit card companies kill you with high interest rates. As we’ve established, if you’re trying to get out of debt, paying the minimum won’t do. Instead, try transferring balances from one lower interest card to another, and keep doing it as opportunities arise. Many banks offer promotional “teaser” rates to induce consumers to open a line of credit. If you pay enough attention to deadlines, you can move your credit card balances around to banks offering the lowest rate, this will cut down on some of the money you’re throwing away on interest.

Negotiate With The Bank

Many lenders are open to settling past-due credit card bills for less than the full amount owed and a good consumer attorney can aid in negotiating with your credit card lender as a way to avoid bankruptcy. How is this possible? Once a loan goes into default for long enough, lenders no longer carry it on their books as a performing asset. In cases where a consumer has fallen behind for many months, recovering anything at all may be considered gravy by the credit card lender. This doesn’t mean your lender will be a push over, they’ll likely ask that you produce financial information as part of the negotiation process, but to the extent you have some cash to throw at the problem, you might be able to get out of debt for far less than what you owe. In these cases, the amount of debt forgiven will be taxed as income come April. For more information, see: Tax Consequences of Forgiven Debt.

Know When to Look for Help

If you fallen behind on your credit card bills or need credit cards to purchase basic necessities such as groceries and gas, it may be wise to meet with a bankruptcy attorney. Although options outside of bankruptcy should always be explored, filing for bankruptcy protection will eliminate credit card debt as well as medical bills.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

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Source: http://www.ascentlawfirm.com/how-to-pay-off-high-interest-credit-card-debt/

from Securities Lawyer In Utah https://securitieslawyerinutah.wordpress.com/2018/04/22/how-to-pay-off-high-interest-credit-card-debt/

[jenniferramona1]

How to Pay Off High Interest Credit Card Debt

Perhaps like many Americans your New Year’s resolution involves paying down credit card debt. After all, even the most ardent supporter of the plastic hears that little voice in the back of their head “credit card interest rates are a huge ripoff, I shouldn’t use my Visa card as much as I do.” To be sure, if you’re trying to get your financial life in order, taming high interest credit card debt is job number one. Unfortunately, many consumers get caught in the minimum monthly payment trap, leaving stagnant balances that seem to never go away. So how do you go about paying down credit card debt and getting rid of Mr. Visa once and for all?

Damage Assessment

The first step to paying off your credit card debt is to figure out the exact amount that you currently owe. It’s not until you have exact balances and the interest rates you’re being charged that you’ll know how high of a mountain you’re faced with climbing. In addition to outstanding balances, add up the monthly payment for each card and figure out how much of your income is going to credit card payments every month. Organization is key. We’ve created a simple chart to help you organize what you owe.

Break Your Dependence on Credit Cards

In other words, stop using the credit cards! The idea in starting a plan to pay down credit card debt is to attack the principal balances rather than just paying interest every month. The credit card companies want you stuck in debt, feeding them their interest every month. The only way to stop interest from increasing is to stop the balances from increasing. Put together a budget and stick to it, without using your credit cards. Often, aggressive budgeting is the fastest way out of debt. It might hurt at first, but the sense of satisfaction you’ll receive from paying off your credit card debt will far outweigh any temporary inconvenience. If you absolutely need credit cards to live, it might be time to consider filing for bankruptcy.

Pay Off One of the Cards

To gain momentum in your quest out of credit card debt, pay off the smallest card first. Completely retire one of the balances, it feels good. Some will argue that tackling the highest balances first makes sense, but momentum will play a big role in getting you out of credit card debt. Get rid of the smallest card and the rest will start to fall in line.

Pay More Than the Minimum Monthly Payment

Salt Lake City bankruptcy attorney wrote an excellent post on the National Bankruptcy Forum describing the major problems consumers face when they try to pay just the minimum on a credit card. He listed a table showing how long it takes to pay off small debts at low interest rates which we’ve included here:

$1000 balance, 18% interest, minimum payment $100 = 11 months to payoff $1000 balance, 18% interest, minimum payment $50 = 24 months to payoff $2000 balance, 18% interest, minimum payment $100 = 24 months to payoff $2000 balance, 18% interest, minimum payment $50 = 62 months to payoff $3000 balance, 18% interest, minimum payment $150 = 24 months to payoff $3000 balance, 18% interest, minimum payment $100 = 40 months to payoff $4000 balance, 18% interest, minimum payment $200 = 24 months to payoff $4000 balance, 18% interest, minimum payment $150 = 34 months to payoff $5000 balance, 18% interest, minimum payment $200 = 32 months to payoff $5000 balance, 18% interest, minimum payment $150 = 47 months to payoff $5000 balance, 18% interest, minimum payment $100 = 93 months to payoff

As John points out in his article, these figures don’t even factor in administrative or late fees which can add up quickly! The bottom line is that minimum monthly payments on credit cards usually represent interest only, the underlying balances aren’t touched by making these payments. To actually get out of credit card debt it will be crucial to pay more than the minimum monthly payment, there’s simply no other way.

Transfer Debt to Lower Interest Cards

As the table above demonstrates, the credit card companies kill you with high interest rates. As we’ve established, if you’re trying to get out of debt, paying the minimum won’t do. Instead, try transferring balances from one lower interest card to another, and keep doing it as opportunities arise. Many banks offer promotional “teaser” rates to induce consumers to open a line of credit. If you pay enough attention to deadlines, you can move your credit card balances around to banks offering the lowest rate, this will cut down on some of the money you’re throwing away on interest.

Negotiate With The Bank

Many lenders are open to settling past-due credit card bills for less than the full amount owed and a good consumer attorney can aid in negotiating with your credit card lender as a way to avoid bankruptcy. How is this possible? Once a loan goes into default for long enough, lenders no longer carry it on their books as a performing asset. In cases where a consumer has fallen behind for many months, recovering anything at all may be considered gravy by the credit card lender. This doesn’t mean your lender will be a push over, they’ll likely ask that you produce financial information as part of the negotiation process, but to the extent you have some cash to throw at the problem, you might be able to get out of debt for far less than what you owe. In these cases, the amount of debt forgiven will be taxed as income come April. For more information, see: Tax Consequences of Forgiven Debt.

Know When to Look for Help

If you fallen behind on your credit card bills or need credit cards to purchase basic necessities such as groceries and gas, it may be wise to meet with a bankruptcy attorney. Although options outside of bankruptcy should always be explored, filing for bankruptcy protection will eliminate credit card debt as well as medical bills.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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from Michael Anderson http://www.ascentlawfirm.com/how-to-pay-off-high-interest-credit-card-debt/

from Utah Bankruptcy Law https://utahbankruptcylaw.wordpress.com/2018/04/22/how-to-pay-off-high-interest-credit-card-debt/

[johnwiliam19]

Exercise, Eat Healthy and File Bankruptcy

If you find yourself deep in debt and are desperately trying to avoid bankruptcy, it might be time for a paradigm shift.

Not only does bankruptcy provide relief from debt, it provides relief from chronic stress that can lead to poor health. Constantly worrying about bills and your financial future is far more toxic than a negative line on your credit report.

It is rarely, if ever, discussed, but filing for bankruptcy could actually improve your health and prolong your life

How did I reach this conclusion?

For starters, I’ve represented clients in numerous bankruptcy cases and have seen firsthand the relief that starting over financially can provide. People generally don’t regret filing bankruptcy, they welcome the opportunity to begin anew, and many are able to successfully turn their lives around. Unfortunately, the reason for personal bankruptcy success stories is often lost in more technical discussions of the amount of debt that was discharged, what chapter the debtor filed under or whether tax debts were eliminated.

The real value of bankruptcy is stress relief.

Arnold Palmer famously said that golf is 90% mental. Well, the same is true of debt.

It’s never the actual red in the ledger that causes debtors to suffer, it’s the worry about supporting a family, collection phone calls, lawsuits, foreclosure and the myriad of other mental beatings the seriously indebted are forced to endure. Whether it’s fear of having a credit card rejected at the grocery store or concern over a pending wage garnishment, consumers who find themselves in debt are constantly reminded of their predicament. They can’t escape mentally. The debt follows them wherever they go, becoming their constant companion, causing incredible stress that breaks up marriages and ruins friendships.

Make no mistake, this debt stress can make you sick.

According to the Clinic, the following conditions are caused in whole or in part by stress:

Heart disease

Sleep problems

Digestive problems, such as irritable bowel syndrome

Depression

Obesity

Memory impairment

Worsening of skin conditions, such as eczema

Heart disease is still the number one cause of death in America today. Over time, digestive disorders, such as irritable bowel syndrome, can lead to cancer and other more serious conditions. Depression robs its victims of their desire to use their God given talents, taking the very meaning out of one’s life. You get the idea, the implications of stress caused by debt reach well beyond your checking account.

It’s not just about debt, it’s about your health.

Consider your daily thought patterns. If you’re deep in debt, they will be consumed by plans to pay back creditors, stave off lawsuits, keep your children from finding out how bad things have gotten, keeping up appearances with neighbors, and on and on the nightmare goes. Although the mental aspect of health doesn’t get as much play as more “scientific and provable” diagnoses, the toxicity created by debt stress is very real.

How can you properly focus on a child’s sporting event, or a project at work when you are consumed by stressful thoughts about debt?

How can you and your spouse enjoy and support each other when your interactions are constantly blighted by fear and uncertainty?

Bankruptcy is not anyone’s first choice, and it is certainly not a process to be entered into lightly, however, it does provide an opportunity to start over spiritually as well as financially.

For some, the benefits of that opportunity do far more than merely eliminating debt.

Free Consultation with a Utah Bankruptcy Attorney

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Additional Bankruptcy Resources

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Source: http://www.ascentlawfirm.com/exercise-eat-healthy-and-file-bankruptcy/

from Divorce Lawyer West Jordan Utah https://divorcelawyerwestjordanutah1.wordpress.com/2018/04/14/exercise-eat-healthy-and-file-bankruptcy/

[bestutahattorneys1]

Exercise, Eat Healthy and File Bankruptcy

If you find yourself deep in debt and are desperately trying to avoid bankruptcy, it might be time for a paradigm shift.

Not only does bankruptcy provide relief from debt, it provides relief from chronic stress that can lead to poor health. Constantly worrying about bills and your financial future is far more toxic than a negative line on your credit report.

It is rarely, if ever, discussed, but filing for bankruptcy could actually improve your health and prolong your life

How did I reach this conclusion?

For starters, I’ve represented clients in numerous bankruptcy cases and have seen firsthand the relief that starting over financially can provide. People generally don’t regret filing bankruptcy, they welcome the opportunity to begin anew, and many are able to successfully turn their lives around. Unfortunately, the reason for personal bankruptcy success stories is often lost in more technical discussions of the amount of debt that was discharged, what chapter the debtor filed under or whether tax debts were eliminated.

The real value of bankruptcy is stress relief.

Arnold Palmer famously said that golf is 90% mental. Well, the same is true of debt.

It’s never the actual red in the ledger that causes debtors to suffer, it’s the worry about supporting a family, collection phone calls, lawsuits, foreclosure and the myriad of other mental beatings the seriously indebted are forced to endure. Whether it’s fear of having a credit card rejected at the grocery store or concern over a pending wage garnishment, consumers who find themselves in debt are constantly reminded of their predicament. They can’t escape mentally. The debt follows them wherever they go, becoming their constant companion, causing incredible stress that breaks up marriages and ruins friendships.

Make no mistake, this debt stress can make you sick.

According to the Clinic, the following conditions are caused in whole or in part by stress:

Heart disease

Sleep problems

Digestive problems, such as irritable bowel syndrome

Depression

Obesity

Memory impairment

Worsening of skin conditions, such as eczema

Heart disease is still the number one cause of death in America today. Over time, digestive disorders, such as irritable bowel syndrome, can lead to cancer and other more serious conditions. Depression robs its victims of their desire to use their God given talents, taking the very meaning out of one’s life. You get the idea, the implications of stress caused by debt reach well beyond your checking account.

It’s not just about debt, it’s about your health.

Consider your daily thought patterns. If you’re deep in debt, they will be consumed by plans to pay back creditors, stave off lawsuits, keep your children from finding out how bad things have gotten, keeping up appearances with neighbors, and on and on the nightmare goes. Although the mental aspect of health doesn’t get as much play as more “scientific and provable” diagnoses, the toxicity created by debt stress is very real.

How can you properly focus on a child’s sporting event, or a project at work when you are consumed by stressful thoughts about debt?

How can you and your spouse enjoy and support each other when your interactions are constantly blighted by fear and uncertainty?

Bankruptcy is not anyone’s first choice, and it is certainly not a process to be entered into lightly, however, it does provide an opportunity to start over spiritually as well as financially.

For some, the benefits of that opportunity do far more than merely eliminating debt.

Free Consultation with a Utah Bankruptcy Attorney

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Additional Bankruptcy Resources

The Cook Islands Trust

Contempt of Court in Utah Custody Parenting and Visitation Cases

Utah Divorce Lawyer on Divorce in Utah

Call a West Jordan Car Accident Lawyer

Things You Need to Know About Prenups

The Attorney’s Role in Commercial Transactions

from Michael Anderson http://www.ascentlawfirm.com/exercise-eat-healthy-and-file-bankruptcy/

from Best Utah Attorneys https://bestutahattorneys.wordpress.com/2018/04/14/exercise-eat-healthy-and-file-bankruptcy/

[furynewsnetwork]

Quoting old movies is fun, particularly when they involve surreality.  Government functions are almost entirely surreal, but quoting them is rarely fun … unless Trump is somehow involved.  Love him or loathe him or something in between, he’s brought fun quotes back to self-governance.  And with them come the witch hunts.

There are ways to tell if someone is a witch.  What do you do with witches?

Burn them!

And what do you burn apart from witches?

Republican officiocrats who work for a loathably abrasive New York democrat twitter freak holding the White House as a republican that the Deep State Swamp is desperate to delegitimize because he’s declared war on it.  In other words: more witches.

Never mind that Medusa sold foreign policy futures to foreign government agents in the guise of contributions to her and Cuckold Bill’s charitable foundation.  The real issue is that members of the Trump campaign met with Russian government provocateurs who − wink wink nudge nudge, your wife’s a goer − had “information” on Medusa that would “bring down” her campaign.

Therefore, he’s made of wood.

And this contact wasn’t disclosed on the security questionnaire, which means he lied.  The only reason you lie about something this substantial is to hide the truth.

Therefore, he weighs as much as a duck.

The officiocrat’s security questionnaire was amended four times, and now contains hundreds more foreign contacts.

Therefore …?  A WITCH!! BURN HIM!!

Time the fuck out.  Has anyone ever completed one of those security clearance questionnaires?  I have.  Multiple times.  I’ve held a clearance for most of the time since 1980 when I joined the Air Force.  It is form SF86, in case anyone wants to follow along.  It can be found online.  Giving answers that can be construed as lies by those wishing to do so is trivially easy, for the form was devised by bureaucrats and their legion of loyyers.

The current version [as of 2014] is 157 pages long in its raw form on paper, including instructions and multiple release of liability and signature pages.  Paper applications are no longer accepted; it is now completed online requiring a government login ID and irrationally long gibberish password that cannot be remembered and must never be written down.  You will be calling the toll free help desk repeatedly to have your password reset.

You may not advance to the next section of the form until the current section is completely answered.  Unless you are fresh from the womb, you will have scores of addenda and explanation pages to add information.  These addenda are needed for families larger than you and two parents and one sibling, for any travel farther afield than the local Walmart, and for anything you’ve done more complex than buying a stick of gum.  God forbid you have a relative − to include in-laws − born in a foreign country.  I have such an in-law.

But still, I’m an incredibly boring individual with a relatively small family and no social or civic affiliations to speak of.  I’m a libertarian and thus have no meaningful political affiliation, either.  One investigator in the 90s looked at me and my paperwork and said, “Ah … N J.”  I quizzed, “N J?”  He replied, “Non-joiner.”

My most recent clearance application ended up being 380+ pages long.  …Not including instructions and signature pages.  It took me over five weeks to complete.

The online form has pull-down menus for standard fill-in-the-blanks.  But just try explaining where your father-in-law came from.  He’s been living in the US since the age of 9, but was born in a village in Yugoslavia to German parents.  He spent the first 7 years of his life in Nazi, and then Soviet, prison camps.  The online form no longer lists Yugoslavia as a legitimate nation [I used Angola, since it was listed first and I was not about to dignify their inept system], nor does it accept his home town.  The village itself was obliterated de facto by the Wehrmacht and de jure by the follow-on Tito government.  After the dissolution of Yugoslavia, the specific location may be in Serbia, or Bosnia, or Slovakia, no one is quite sure.  Not that it matters anyway; it’s gone.  His naturalization document lists a naturalization center in the US no longer in existence and therefore not in the pull down list.  His naturalization is identified by a certificate number using a layout no longer recognized as valid − not enough digits.  My father-in-law is just generally suspicious, I suppose.

Explaining this one fairly trivial matter that I covered in one paragraph took − I recall − 15 additional pages on the SF86.  Maybe more.  One’s eyes tend to glaze over after a certain amount of useless necessity.  In any event, it took 15 pages too many.

But then comes the sections of the questionnaire that has caused Trump teammates so much trouble, and which would cause me the same trouble were I a republican party officiocrat instead of a mere libertarian DoD data analyst: section 19, about halfway through form SF86, “foreign contacts”.

I have been on eleven cruises, and I’ve met literally thousands of foreigners.  Most were wearing name tags, and many of those who weren’t told me their names.  I wrote down none of them.  With the exception of maybe a half dozen, I couldn’t tell you much more about them than their first name, sometimes not even that.  There is Pedro [last name unknown], the effusively friendly manager-slash-head waiter of a little cantina [forgot the name] on the second floor over a souvenir shop [forgot the name] on the main tourist drag [forgot the name] of San Miguel on the island of Cozumel.  We visit the place for lunch every time we’re there.  Pedro’s head is shaped like a bowling ball, if that helps the investigators any.

There is Major Tom [last name unknown], the unofficial greeter for the nation of Belize, and head of the Belize City Chamber of Commerce.  He runs several tourist excursion operations, including one we took our first time there.  He used to be in the Belizi army − hence his title of Major.  He looks like a young Ricardo Montalban, or did the last time I saw him.

There is Ngede [last name unknown], our Indonesian head waiter on not one but two cruises, on two different ships … and what are the odds?  Highly suspicious if I were a republican officiocrat.  He has his First Night patter down: the nearest any English-speaker can ever come to pronouncing his name is “g’day”, so just say G’day.  He has an advanced degree in engineering, but works as a waiter on US cruises because at $10 a day plus tips he makes more than an engineer in Indonesia. …where you have to be politically connected [i.e., the correct race, the correct tribe and the correct religion, none of which includes him] in order to get a job that pays more than twenty-five cents an hour.  He is now considered extremely wealthy among his countrymen … at least on his time off when he goes back home.  He showed us how to make a rat out of a linen napkin.

There’s the guy on Cayman who runs Moby Dick’s − the stingray encounter excursion.  His name is Richard something, and he’s from England.  He charges almost $100 American for a thirty minute boat ride and a bucket of squid to twenty folks at a time to feed the stingrays tamed by generations of hand-feeding on a sandbar in the sound.  Wouldn’t know him on sight.  He was thoroughly unremarkable, apart from being well-tanned.

On the ship, I try to find one of the bars with a particularly attractive bartender and get my glass of before-dinner wine or after-dinner drambuie from her.  The last two cruises these bartenders were in the form of a cutey from Ukraine, and a hotsy from Brazil.  I impressed the Ukrainian by knowing how to say please [pazhalsta], thank you [spaseeba], goodbye [da svedanya] and I’m bored [mnya skuchnya] in Russian.  I made my bartender from Ipanema laugh by butchering the words to Mas Que Nada.  I have long forgotten their names.

But by far, the most memorable foreign contact I had was a little boy, maybe four years old. He was paying close attention to the cracks in the sidewalk while walking with his mother, an attractive twenty-something, and older brother, maybe seven years old.  This was down one of the back streets of San Miguel on Cozumel.  I was searching for a cheap cantina serving actual Mexican tacos.  The older brother was in navy blue shorts, starched white shirt, and a solid black tie.  His shoes were polished black.  He was going to school, and mom was walking him there.  I was approaching them on the sidewalk, and as we neared I smiled and said, “Hola.”  Mom smiled back, and the older brother looked puzzled.  Both said “Hola.”  The four year old boy, though, looked up from the cracks under his feet, directly at me.  He pointed and announced, in surprise, “Mama!  Gringo!”

His mother was mortified, and stammered a Spanish apology interlaced with scolds directed to her child.  I laughed and told her “De nada.”  I still laugh when I replay it.  But that was it; that was the entire foreign contact.  I never quizzed them for their names.  Were I a republican officiocrat I’d be required to.

Section 19 of form SF86 requires full names, addresses, dates and places of birth, employer[s], all nicknames, not to mention affiliations, and purposes, and outcomes of all foreign contacts.  Per instructions, it limits the contacts required to be disclosed to those of “close and continuing” nature, but one’s definitions of “close” and “continuing” are extremely subjective, and might well rely on political partisanship.  Very few of the items under foreign contacts allow for the option of declaring “I don’t know”.  “I don’t remember” is not permitted at all.

As someone who’s had a clearance for over thirty years and a Top Secret clearance for all but my four years in the Air Force, I know exactly what they’re trying to get at here.  They want to know if a clearance candidate has ever encountered any foreigner who went out of his way to indicate that he was trying to dig for information about things he shouldn’t be digging for.  “Has any foreigner you’ve ever encountered asked you nosy questions about what you do, who you do it for, or otherwise acted like a spy?  If yes, list as many details as possible.”

That’s what they’re trying to ask, but they don’t.  Instead, they require that anyone wanting a security clearance from the US government act like a spy themselves every time they encounter a foreigner, by getting full names, addresses, dates of birth, employers, the foreigners’ affiliations and purposes for existing … none of which anyone ever does.  You don’t go on a cruise with a notebook and stubby pencil demanding the names of every vendor hawking his souvenirs upon every passer-by.

“Come in! Come in! We have condition air.  Feel all cool and cold while buy your pretty wife a necklace, eh?”

Not until I know your full name, date of birth, nationality, who you work for, and what civic groups you participate in.

… yeah, not gonna happen.  As a result, almost everyone filling out this form leaves these things out.  And no one cares that you leave these things out.  …unless you’re a republican officiocrat working for an outsider president that everyone loathes because he’s harsh, abrasive and an outsider who’s declared war on the Deep State Swamp which creates − among other things − obscenely obstreperous national security clearance questionnaires.

Section 20 of form SF86 inquires after “foreign activities”; subsection A deals with foreign holdings, of which I have zippo.  Oh, drat.  I have a self-directed IRA which has mutual funds which hold foreign stocks and bonds.  Subsection A is trying to find out if I have meaningful holdings.  Never mind that “meaningful” is arbitrarily and subjectively determinable itself.  Ah, the hell with it; “No”.

“Do I own, or plan to own, property in a foreign country.”  Yes, I plan to retire to Mexico.  I like Mexico.

“Give the date of purchase, or planned purchase.  Where do you plan to purchase property, and what price are you paying for it?”  What? The hell?  I veered off onto one of the “explanation” pages with the following:  Listen, guys, if you think I can give you the speculative date and speculative location and speculative price of a speculative purchase of a retirement home for a speculative retirement and have this information mean a single god damn, then you must think I have a crystal ball.  If I had a crystal ball I’d be using it for personal enrichment and wouldn’t need a job which requires a clearance.  I plan to retire in Mexico, at some point, don’t know where, when, or how, but a guy can dream.  That’s all I’m saying about it.

I’m not going to describe the other 5 pages of this subsection.  Needless to say, it’s more of the same useless necessity.  Each item must be answered; “I don’t know” is not usually accepted.

Subsection B: foreign business, professional or government contacts.  Uh oh.  I’ve had literally hundreds of contacts with foreign government agents. … that I know about.  Knowing the nature of government, I’ve probably had dozens more government contacts that I don’t know about.  Eleven cruises, multiple port calls each cruise, encountering customs agents, port security wonks, police − in Limon Costa Rica, we were trying to find an outlet for the local coffee so I could bring home a few pounds of whole beans.  Had a conversation with dos policia who knew bupkus English.  With my formal Spanish lessons ending in 7th grade forty years prior, and my informal Spanish picked up in bits and pieces [Dos cervezas, por favor.  Muy Frijo.  Donde es el baño?] … my wife reports it was an amusing conversation to watch, and it would undoubtedly have been fun to participate in had I not been hung over.

Do I have to list these government contacts, to include full name, nationality, government agency and rank or title, date[s] and purpose of contact and all “offers” made?  I do if I’m a republican offiocrat working for the aforementioned outsider president loathed by the Deep State Swamp.  Does el policia pointing me at a bodega which sells coffee beans constitute an “offer”?  If I’m a republican officiocrat, yes.

Additionally, I’ve undoubtedly run across government agents burrowed into excursion outfits watching for illicit activities − you know what those Americans are like when they get closer to the source of their recreational drugs.  Many Americans attempt to score their own while visiting drug exporting nations, and their arrogant self-absorption is a direct contributor to the unsolved murders of dozens of us a year.  But do I know they are undercover government agents?  No I do not.  Does it matter?  Do I have to list them as well, even though I don’t know who they are?  Only if I’m that republican officiocrat.

There are another 7 pages of this subsection that I won’t go into.  All items must be answered; almost none apply.  “I don’t know” is only acceptable for a small portion of the items.

Subsection C: foreign travel.  Once again: eleven cruises.

Specific dates [which I no longer know] for each nation visited.  And for each nation describe once again the information previously inquired after in section 19.  This was the section that was trying to, but did not, ask, “did any foreigner get too nosy about things that are none of his business?”

It had taken me three weeks to get to this part of form SF86.  I’d long ago exceeded my tolerance for bureaucratic impertinence, and used one of the many “explanation” pages to freeform the following paraphrased blowback: Lookit, my wife and I have taken one cruise a year between 2004 and 2012, and one year we took two when we had both our parents along.  You have much more access to the dates of our cruises than we do at this point; all I can tell you is that they were usually in May.  We’ve met thousands of foreigners, and over a hundred foreign government weenies, and not one of them was any more forward than to pester us about emptying our wallets in their particular store.  No one asked what I do, or who I do it for, and no one especially asked if I had any government secrets to give out.  The only thing any of them wanted was my business.

I bawled out the apparatchik in the Deep State Swamp with irreverent, impetuous scold.  And once again, does this matter?  The answer is, once again: only if I am a republican officiocrat working for the well-loathed outsider New York democrat holding the White House as a republican and who declared war on the Deep State Swamp.

The nature of government bureaucracy is to evolve into an endless stream of gotchas.  It is these gotchas that are levied against anyone chosen to be the witch du jour.  You would have to be blind or a partisan shill to fail or refuse to see who is being gotchaed at the moment.  The republican officiocrat was doing opposition research during the presidential campaign, and was contacted about gaining opposition candidate spice.  He showed up to get the spice and met two Russians, neither of whom said, “Hey!  I’m with Moscow and work for Putin!” thus cluing him into it being a government contact.  The meeting was short, and the subject was not juicy gossip about Medusa; it was about US sanctions that resulted in Moscow curtailing Russian adoptions to the US.  The meeting was abandoned and none of the players ever met again.

Section 19 of SF86 requires − per instructions − “close and continuing” contact with foreign nationals to be disclosed.  A single meeting with a female Russian loyyer and her [from all accounts] silent partner is neither “close” nor “continuing”.  Unless, of course, you have it in for the republican officiocrat and the well-loathed guy he works for.  Therefore … a witch.

In contrast, the encounters with my bartender from Ipanema, occurring each day of the cruise before dinner for a glass of wine, and after dinner for a glass of drambuie was, in comparison, intimate and perpetual.  Even though I no longer remember her name − it was five years ago now − I learned much more about her than any republican officiocrat ever knew about the two Russians.

But it doesn’t matter because I’m not a republican officiocrat working for a New York democrat playing a republican president on twitter, and who declared war on all the jealously self-important bureaucrats who spend their days constructing 157 page long gotchas with which they can play king for a day.

King?  Pffft.  We didn’t vote for them.

You don’t vote for kings.

How’d they get to be kings then?

The Deep State of the Swamp, arm clad in the purest shimmering samite held aloft Regulation, signifying by authoritarian providence that they, the bureaucrats, should rule this land.

Listen, mysterious functionaries lying in ambush distributing arbitrary rules is no basis for a system of government.  Supreme executive power derives from broad support of the masses, not from some farcical procedural ceremony.

I fart in your general direction.

Ni.

You’ll be dead in a minute.

BU-U-U-URN him!!

The post He Turned Me Into a Newt! appeared first on The Libertarian Republic.

via Headline News – The Libertarian Republic

[jenniferramona1]

Different Types of Liability in a Restaurant or Bar

Running or owning a restaurant can be a really fun experience. It can also take up a lot of your time and require your full responsibility. Not only for your actions, but the actions of others.  If you run a restaurant or plan to buy one in the future here are a few liabilities you will want to consider.

DUIs

One of the most common types of liability in a bar or restaurant are those that revolve around DUIs.  Somewhere around 30% of the traffic fatalities that happen each year are due to DUIs.  But, don’t think that regular automobiles like cars and trucks are the only thing to look out for.  If you have an establishment, for example, in the mountains that allows snowmobile drivers or people on ski-lifts to get off and come in your restaurant, these people are also a liability.

Make sure that you purchase a Liquor Liability Policy if you plan on having liquor or alcohol in your establishment.

Activity Hazards

At first thought, you might not be able to think of any activity hazards that might happen in your establishment. But, here are a few to get your brain moving:

– Mechanical Bulls – Falling from Chairs – Bar Fights – Burns from the bartenders flaming alcohol trick – Making bananas foster or other food items in front of tables

These hazards aren’t just for your patrons either. They cover your employees as well.  In order to properly be covered for Activity Hazards in your establishment, you need to write down exactly the types of risks involved and put them on your insurance application so that the agent can give you the right amount and type of coverage.

Missing Exit Zone

If you do not have an exit zone in your establishment OR you do but the light on the sign is broken or out, you could be asking to get sued not only by anyone in your establishment that might get hurt because of an emergency, but  family members of anyone who is killed in the event of an emergency.  This light should always be on and should never be blocked.

Flammable Decorations

In the same way, you need to recognize possible injury for activity hazards, you also need to recognize the possibility of flammable decorations and injuries as well.  Burns are painful, but they also can disfigure a person so not only would you be paying for an individual’s medical treatment, but also pain and suffering which can be incredibly high.

Decorations such as Tiki torches are a great example of flammable decorations.  They look great, they might add to the atmosphere or theme of your establishment, but is that really worth possibly injuring someone and then, in turn, getting sued for it?

Probably not.  Tiki torches aren’t the only flammable decorations, so are outdoor heaters, fireplaces, Chinese lanterns, etc.

When looking for insurance for your establishment, make sure they have loss control inspections.  This enables a Risk Management professional to come in and tell you which areas or processes in your building might be problematic.

Essentially they are your go-to person for figuring out what items, activities, or even food items in your establishment carry the most risk.  (i.e., a mechanical bull.  It may seem like a fun thing to put into a bar, but without the proper insurance and proper forms for your patrons to sign, you could be in big trouble if someone gets injured.)

Free Consultation with a Utah Business Lawyer

If you are here, you probably have a business law issue you need help with, call Ascent Law for your free business law consultation (801) 676-5506. We want to help you.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Helpful Business Law Articles

Business Lawyer in Utah

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from Michael Anderson http://www.ascentlawfirm.com/different-types-of-liability-in-a-restaurant-or-bar/

from Utah Bankruptcy Law https://utahbankruptcylaw.wordpress.com/2018/04/19/different-types-of-liability-in-a-restaurant-or-bar/

[victoriazoey26]

Different Types of Liability in a Restaurant or Bar

Running or owning a restaurant can be a really fun experience. It can also take up a lot of your time and require your full responsibility. Not only for your actions, but the actions of others.  If you run a restaurant or plan to buy one in the future here are a few liabilities you will want to consider.

DUIs

One of the most common types of liability in a bar or restaurant are those that revolve around DUIs.  Somewhere around 30% of the traffic fatalities that happen each year are due to DUIs.  But, don’t think that regular automobiles like cars and trucks are the only thing to look out for.  If you have an establishment, for example, in the mountains that allows snowmobile drivers or people on ski-lifts to get off and come in your restaurant, these people are also a liability.

Make sure that you purchase a Liquor Liability Policy if you plan on having liquor or alcohol in your establishment.

Activity Hazards

At first thought, you might not be able to think of any activity hazards that might happen in your establishment. But, here are a few to get your brain moving:

– Mechanical Bulls – Falling from Chairs – Bar Fights – Burns from the bartenders flaming alcohol trick – Making bananas foster or other food items in front of tables

These hazards aren’t just for your patrons either. They cover your employees as well.  In order to properly be covered for Activity Hazards in your establishment, you need to write down exactly the types of risks involved and put them on your insurance application so that the agent can give you the right amount and type of coverage.

Missing Exit Zone

If you do not have an exit zone in your establishment OR you do but the light on the sign is broken or out, you could be asking to get sued not only by anyone in your establishment that might get hurt because of an emergency, but  family members of anyone who is killed in the event of an emergency.  This light should always be on and should never be blocked.

Flammable Decorations

In the same way, you need to recognize possible injury for activity hazards, you also need to recognize the possibility of flammable decorations and injuries as well.  Burns are painful, but they also can disfigure a person so not only would you be paying for an individual’s medical treatment, but also pain and suffering which can be incredibly high.

Decorations such as Tiki torches are a great example of flammable decorations.  They look great, they might add to the atmosphere or theme of your establishment, but is that really worth possibly injuring someone and then, in turn, getting sued for it?

Probably not.  Tiki torches aren’t the only flammable decorations, so are outdoor heaters, fireplaces, Chinese lanterns, etc.

When looking for insurance for your establishment, make sure they have loss control inspections.  This enables a Risk Management professional to come in and tell you which areas or processes in your building might be problematic.

Essentially they are your go-to person for figuring out what items, activities, or even food items in your establishment carry the most risk.  (i.e., a mechanical bull.  It may seem like a fun thing to put into a bar, but without the proper insurance and proper forms for your patrons to sign, you could be in big trouble if someone gets injured.)

Free Consultation with a Utah Business Lawyer

If you are here, you probably have a business law issue you need help with, call Ascent Law for your free business law consultation (801) 676-5506. We want to help you.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Helpful Business Law Articles

Business Lawyer in Utah

How to Screw Up Your Bankruptcy Discharge

Financial Planning for Beginners

Business Lawyers

Dismissal After Passing Chapter 7 Means Test

Estate Planning for Blended Families

Source: http://www.ascentlawfirm.com/different-types-of-liability-in-a-restaurant-or-bar/

from Securities Lawyer In Utah https://securitieslawyerinutah.wordpress.com/2018/04/19/different-types-of-liability-in-a-restaurant-or-bar/

[victoriazoey26]

Exercise, Eat Healthy and File Bankruptcy

If you find yourself deep in debt and are desperately trying to avoid bankruptcy, it might be time for a paradigm shift.

Not only does bankruptcy provide relief from debt, it provides relief from chronic stress that can lead to poor health. Constantly worrying about bills and your financial future is far more toxic than a negative line on your credit report.

It is rarely, if ever, discussed, but filing for bankruptcy could actually improve your health and prolong your life

How did I reach this conclusion?

For starters, I’ve represented clients in numerous bankruptcy cases and have seen firsthand the relief that starting over financially can provide. People generally don’t regret filing bankruptcy, they welcome the opportunity to begin anew, and many are able to successfully turn their lives around. Unfortunately, the reason for personal bankruptcy success stories is often lost in more technical discussions of the amount of debt that was discharged, what chapter the debtor filed under or whether tax debts were eliminated.

The real value of bankruptcy is stress relief.

Arnold Palmer famously said that golf is 90% mental. Well, the same is true of debt.

It’s never the actual red in the ledger that causes debtors to suffer, it’s the worry about supporting a family, collection phone calls, lawsuits, foreclosure and the myriad of other mental beatings the seriously indebted are forced to endure. Whether it’s fear of having a credit card rejected at the grocery store or concern over a pending wage garnishment, consumers who find themselves in debt are constantly reminded of their predicament. They can’t escape mentally. The debt follows them wherever they go, becoming their constant companion, causing incredible stress that breaks up marriages and ruins friendships.

Make no mistake, this debt stress can make you sick.

According to the Clinic, the following conditions are caused in whole or in part by stress:

Heart disease

Sleep problems

Digestive problems, such as irritable bowel syndrome

Depression

Obesity

Memory impairment

Worsening of skin conditions, such as eczema

Heart disease is still the number one cause of death in America today. Over time, digestive disorders, such as irritable bowel syndrome, can lead to cancer and other more serious conditions. Depression robs its victims of their desire to use their God given talents, taking the very meaning out of one’s life. You get the idea, the implications of stress caused by debt reach well beyond your checking account.

It’s not just about debt, it’s about your health.

Consider your daily thought patterns. If you’re deep in debt, they will be consumed by plans to pay back creditors, stave off lawsuits, keep your children from finding out how bad things have gotten, keeping up appearances with neighbors, and on and on the nightmare goes. Although the mental aspect of health doesn’t get as much play as more “scientific and provable” diagnoses, the toxicity created by debt stress is very real.

How can you properly focus on a child’s sporting event, or a project at work when you are consumed by stressful thoughts about debt?

How can you and your spouse enjoy and support each other when your interactions are constantly blighted by fear and uncertainty?

Bankruptcy is not anyone’s first choice, and it is certainly not a process to be entered into lightly, however, it does provide an opportunity to start over spiritually as well as financially.

For some, the benefits of that opportunity do far more than merely eliminating debt.

Free Consultation with a Utah Bankruptcy Attorney

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Additional Bankruptcy Resources

The Cook Islands Trust

Contempt of Court in Utah Custody Parenting and Visitation Cases

Utah Divorce Lawyer on Divorce in Utah

Call a West Jordan Car Accident Lawyer

Things You Need to Know About Prenups

The Attorney’s Role in Commercial Transactions

Source: http://www.ascentlawfirm.com/exercise-eat-healthy-and-file-bankruptcy/

from Securities Lawyer In Utah https://securitieslawyerinutah.wordpress.com/2018/04/14/exercise-eat-healthy-and-file-bankruptcy/

[johnwiliam19]

Should Filing Bankruptcy Be The Last Resort?

Although we’ve mentioned it time and again on the forum, it bears repeating: filing for bankruptcy is not a decision to be entered into lightly. In fact, it is important to get good information and carefully weigh your options.

Is Bankruptcy Always a Last Resort?

Having said that, delaying too long can cause unnecessary financial strain and serve to compound existing problems. Is bankruptcy always the last option? Some of the common things consumers do before they consider bankruptcy include: • Cash out their retirement funds to pay debt • Pay a debt settlement company to settle their debts • Settle their debt by dealing directly with the creditor or its attorney In some cases, these bankruptcy alternatives can be just what the doctor ordered, however in others they can put you in deeper trouble without meaningful debt relief.

Depleting Your Retirement To Pay Debt

Selling assets to avoid bankruptcy is often a bad idea and a retirement account is no exception. As Bankruptcy Lawyers in Utah like to point out to everyone who meets with us about bankruptcy…

The fact is that the lingering recession is causing a lot of people to file for bankruptcy who never thought they would. While the recession is is undoubtedly a sad turn of events, I am also seeing an even more disturbing trend. Namely, a lot of them are selling all of their property in an effort to stay current with their bills and avoid filing for bankruptcy. By the time they come to me, they have already gone through everything they own. While these efforts are always well-intentioned, they are catastrophic for their finances. In a lot of cases, people are selling assets that they would otherwise be able to keep if they would have thought about filing for bankruptcy a little sooner.

Perhaps nowhere is this point better illustrated than in the context of a retirement account. ERISA qualified 401(k) accounts and many IRAs are completely exempt in bankruptcy. This means you can file bankruptcy, shed your debts and keep your retirement. As Jacob describes, it is always difficult to see someone liquidate their retirement only to be forced into bankruptcy a few months later. For more information, see: Retirement Savings and Bankruptcy.

Debt Settlement vs. Bankruptcy

Debt settlement companies promise the world but rarely deliver. They often charge fees that far exceed the cost of bankruptcy and actually require their clients to go deep in default in order to settle their debts. Here is how the process works: you, the debtor, stop paying on your credit card accounts and other bills and instead save some of the money. When you’re deep enough in default, the creditor has written off the debt and may agree to accept a reduced payment in satisfaction of the balance. You fork over the money you’ve saved plus a hefty fee and you’re out of debt. That’s how it works sometimes, but definitely not all the time. While you’re waiting on the debt settlement company, you’re creditors are definitely not waiting on you. They’re reporting delinquencies on your credit. calling and sometimes actually suing to collect. By the time you’ve reached your debt settlement goals, your wages may already be in the process of being garnished or a judgment might have been entered against you. Sure, filing for bankruptcy can help with most of these problems, but why wait?

Negotiating With Creditors instead of Bankruptcy

While the debt settlement waiting game is expensive and often ineffective, sometimes negotiating directly with creditors can be a nice alternative to filing for bankruptcy if you already have the cash to make a deal. If you stand to have more assets liquidated in bankruptcy than you’d save in debt, dealing with the creditor through an attorney can often result in signifcant savings and a permanent solution to the problem. In these cases, bankruptcy may very well be your best option. For example, let’s say you owe $50,000 on a delinquent business loan but have $150,000 in cash and stocks. Filing for bankruptcy would result in the trustee liquidating your stock portfolio to pay your creditors, in fact, they’d likely get paid in full. In these instances, it makes much more sense to negotiate a reduced payment directly with the creditor.

Fresh Start For You

Although the costs are not insignificant, the purpose of bankruptcy is to provide those struggling with debt a fresh start. Sometimes, the bankruptcy card is only to be played as a last resort, however, in some cases it offers the most thorough relief on the best timeline. Each situation is different, if you’re contemplating bankruptcy, be sure to meet with an experienced attorney.

Free Consultation with a Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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Source: http://www.ascentlawfirm.com/should-filing-bankruptcy-be-the-last-resort/

from Divorce Lawyer West Jordan Utah https://divorcelawyerwestjordanutah1.wordpress.com/2018/04/09/should-filing-bankruptcy-be-the-last-resort/