#mostly because i was still sick for a good portion of january

[xknivesandpensx]

Like Pieces of a Puzzle

Chapter 16

Summary: What if Harry wasn't the only extra student called upon to participate in the Triwizard Tournament? Far from the most popular candidate, Draco not only has to take on the trials but also deal with his unexpected feelings for Hermione. Will he be able to face the challenges as well as follow his heart? Chapter length will vary. I'll be referencing both the books and movie versions. Some things from what I've previously written will be mentioned, all of which you can find here.  And for those who asked to be tagged: @dayane245love

Two weeks had gone by and not much changed for Draco. Most of the Slytherins either kept their distance or overly asked questions regarding the tournament. He thought by now they’d given up pestering him. The first task was nearing and he hardly knew where to begin. No clues were spared, which only increased his in ability to concentrate.

He managed to maintain his focus during class, for the most part, but otherwise the stress started to get the better of him. Draco noticed the same with Harry, yet he had additional things to concern himself with.

For instance, Rita’s article. She went on about Harry and his tragic backstory. Hardly mentioned Fleur or Viktor (spelling both their names wrong), left out Cedric completely and bypassed Draco almost entirely. The part she mentioned described little. Rita even managed to mix up his wording. Luckily, she left out anything in regards to Death Eaters. He complained to his father soon after, having sent his owl home that evening. Surely, he took charge of the situation through the Ministry.

Worse though, Rita mentioned Harry being together and very much in love with Hermione. The mere sight of the words irked him, immediately sending a spark of anger throughout his body. Pansy openly teased her for Rita’s use of the word pretty to describe the teenager. Draco saw the description as the truth. He obviously kept silent on the subject.

Their first Hogsmeade trip did little to cheer him up. The weather changed to cooler winds and cloudy days. He wore a light jacket to keep himself warm, maintaining a scowl the entire length of the walk.

“How many times do I have to tell you, I don’t know,” Draco remarked for what felt like the hundredth time to Crabbe and Goyle. “Don’t you think if I knew who put my name in, I would’ve said something?” But the boys merely shrugged and he went off ahead.

Even those two started bugging him. Pansy, on the other hand, insisted to be by his side everywhere he went. Of course, he realized by now she had a crush on him and in hindsight matching them together made sense. Any pure-blood witch (within reason) would satisfy his family. Astoria also kept staring at him too, that kind of wide-eyed, nervous stare twelves-year-olds gave when they fancied someone. Daphne seemed indifferent about the whole thing, as did he.

Despite himself, he let Crabbe and Goyle catch up before going into any shops. Draco could admit he liked the afternoon away from Hogwarts. Being their second year going, he knew where everything was and made it a point to avoid going anyplace overly crowded.

But then he noticed Rita Skeeter walking around and he darted in the nearest building to avoid her annoying inquiries. The Three Broomsticks maintained a rustic sort of look. The adults who lived in town sat next to teachers, surely trying to get details concerning the competition. They’d fail the same as everyone else.

Otherwise, he spotted a few familiar faces seated in various tables. Cho, who he only recognized due to her popularity. Everyone knew of her. She sat alongside a few friends. Then he noticed Fred and George Weasley, in the far back corner, up to their usual antics, no doubt.

Just as he thought about getting a Butterbeer, Hermione came into view. Hagrid and Moody moved away from her table, passing him to head through the door. Surprisingly, she sat alone. A drink to her right as she jotted notes down.

Draco knew ignoring her was paramount, yet a part of him resisted the notion. As Crabbe and Goyle trailed right behind him, he felt it necessary to make some kind of rude remark merely to maintain his usual self. No matter how dimwitted the pair were, they’d notice if he simply bypassed her. Maybe. He thought them too distracted to pick up on such little details.

Still, he sauntered over and swiped the parchment from the table. Reading its contents, a frown came to his face. “You’re really going a bit overboard with this S.P.E.W. rubbish, you know? Perhaps if you actually took the time to ask them what they wanted, you attempting to save them from servitude wouldn’t be the answer.”

Hermione immediately stood, maintaining her distance. “Like I can really believe anything you say when it comes to house-elves, given the way you’ve treated Dobby,” she defended, despite only knowing details from Harry. Who currently sat on the chair next to her, stubbornly refusing to come along if not under his Invisibility Cloak. To avoid Ron, though mostly to keep himself from getting rushed at by other students.

“He’s a servant, they all are. And they happen to prefer it that way.” Draco shifted the paper above her reach, holding it between his fingers. In any case, Dobby no longer worked for his family. Lucius treated him horribly while Narcissa upheld a more placid attitude towards him. He simply knocked the elf around, tending to call out orders mostly.

Hermione resisted the urge to jump up to try and snatch it back. She’d look foolish making the attempt, knowing he’d pull it away quickly. “Says you. I happen to know a little more regarding the unjust they suffer from daily. Once they realize the opportunities they could have, no house-elf would ever think about being enslaved again. Just give it back already.”

Draco pretended to take a second to consider it. “I don’t think I will. Unless, you manage to persuade me. Though I’m not sure why you’d want it. It’s pathetic, really. Why not offer to do my homework or something of the sort. Everyone knows you help Weasley and Potter. Not like I’d accept, but seeing you attempt to barter may convince me to return your silly scribbles.”

She tried to take her own advice and ignore his teasing remarks. Hermione spent endless days trying to teach Harry a Summoning Charm, in hopes it might help him out, discussing various ways to keep students from staying up too late in the common room, given the conversation Sirius asked for. Which happened to be tonight, the very same that Hagrid asked about meeting him at midnight, leaving no more than an hour between the two appointments.

Viktor also started appearing in the library whenever she and Harry were searching through books. His fan club of over enthusiastic girls annoyed her more than his actual presence. Hermione doubted he was interested in reading. Viktor never checked anything out from what she knew of. He kind of hovered close by. She thought maybe his intent was to keep an eye on the competition, yet the first task hadn’t even begun.

“As if I’d stoop so low.” Moments such as these made Hermione question why she held onto her feelings for him so tightly, almost afraid to be without them. “Honestly, you’re acting childish. Just because you see no importance in house-elves, doesn’t mean they don’t matter.”

Harry began by simply watching the exchange, hoping it’d diminished quickly. However, sitting idly by why Malfoy harassed one of his friends didn’t settle well. He slowly slipped away from the chair he occupied (only those really paying attention would notice it slid from the table) and went to a secluded corner. Harry thought of trying to get rid of him while under his cloak, yet there were too many eyes on them. Reluctantly, he pulled the material off and stuck it in his pocket before emerging.

“I know you’re not above stealing, Malfoy, but Hermione has a point,” Harry replied after grabbing the parchment. Draco lowered his arm just before he came over, allowing his grip to lesson in time for Harry to step in. With a slight apologetic look, he handed her back the crinkled page.

“Come to defend your girlfriend, have you?” Draco spat, fighting to keep the sudden spike of jealousy from coloring his face. “It doesn’t surprise me or anyone really that you couldn’t do any better than Granger.” He wanted nothing more than to take Rita’s article as a lie, and perhaps it was, nevertheless neither one came outright and denied the story.

He saw Harry move forward and Hermione’s expression change as a flash of light hit. Squinting for a moment, Draco saw Rita standing there, smiling as if quite pleased. His stomach sank, already predicting her next headline.  

“A thrilling love triangle. The readers simply eat up those types of stories,” the blonde mentioned, her quill quick at work. “Harry Potter versus Draco Malfoy for the heart of one lucky girl. Of course, she only has eyes for one no matter how drawn to the other she is. Who prevails in the end, who can say, but I know where I stand.” Rita directed her gaze towards Harry for the last part, hoping to get a reaction from him.

“You can’t say any of that. None of it’s true,” Draco remarked, noticing the few glances he received from his slight raise of voice. Lucius warned him not to embarrass the family and this definitely fell under the category. “You’ll get sacked for false information. Not to mention stalking the competitors. I saw you sneaking around earlier. I’ll make sure of it myself if I must.”

“Note Draco is highly sensitive in relation to the subject of Hermione. So in love it blinds him,” Rita mentioned to her quill prior to addressing them. “My information is always true and well researched, as long as you know where to look. I think I’ll see myself out. I have an article to finish.”

At the word love, he felt his cheeks burn. Embarrassed while also angry, he glared at the pair. “This is all your fault, Potter. If you’d just mind your own business as I’ve said in the past, we could’ve avoided that mockery she’s going to print.”

“I can’t see how I caused this one.” Harry knew Cho witnessed the whole thing. He practically sensed her eyes on him now. “You came over and started bothering Hermione. Sorry I’ve got a problem with people going after my friends. I don’t usually sit back and do nothing.”

Hermione lowered her head, unsure how to calm her racing heart. Being put in the Daily Prophet for every witch and wizard to read, pinned down as Harry’s girlfriend no less, magnified her to be subjected to ridicule. Yes, she loved Harry, yet not in that sense. What will the world see her as once claimed as stringing two boys along? Especially, in regards to Draco. The three of them were likely in store for more taunting than they anticipated.

“I think we ought to go.” Hermione lightly tugged on Harry’s arm, hoping to detach them from the situation. But she paused mid-action, catching Ron’s gaze. His expression was unreadable and she wondered exactly how much he saw.

“Yeah, fine. I think I’m ready to go back to the castle.” Harry, not really thinking too much on it, took hold of her hand to lead them out of the building, in means of not losing her in the slowly growing crowd. He avoided passing by Cho directly, unsure if looking at her (and allowing himself to be utterly captivated) would aid in their escape.

Draco let out a huffed sort of breath. He saw Harry interweave his fingers with Hermione’s, proving in more ways than not, of them very much being together. He never should’ve gone over in the first place. A mixture of resentment and discomfort clung to his chest. Draco ran his hand through his blonde hair, hoping to relieve his frustration. Then he saw something Hermione left on the table. He reached for it, picking up a small box of candy, the very one he remembered telling her they still sold if she knew where to ask for it.

“There you are, Draco,” Pansy exclaimed, pushing past Crabbe and Goyle. “I’ve been looking for you everywhere. I wanted to ask you to come to Madam Puddifoot's Tea Shop. I heard it’s a nice spot for people to talk and we never really get to.”

Draco stuffed the candy in his pocket, inwardly sighing. “You mean, where couples go to gawk at each other over cups of tea? Why would I want to go to ruddy place like that?” He started walking away, returning Ron’s glower in the process as he passed him. Despite his rudeness, Pansy followed him out, to which he could only roll his eyes at and deal with her company for the rest of the trip.

[viridiantly]

Final Writing Update for Advanced Floriography

I finished writing my fic today.

It’s been nearly four years since I started writing this fic. I started in January 2019 and it’s really hard to put into words what this fic meant to me. When I started writing this fic I had no idea writing a novel length fic could be so difficult. I was a healthy person. I got sick in February 2019 and was basically house bound for three years after. Some days it felt like finishing this fic would not happen at all. It was particularly difficult in 2021 when I became very very sick. I made a miraculous semi-recovery early this year and this fic would not have been finished so early if I had not recovered to the extent I did.

When I started writing this fic I wanted to give it the happiest ending possible. When I got very sick I thought I would give it a sad ending. In the end I wrote a bit of a bittersweet ending, heavier on the sweet than bitter.

I thought I would write an epilogue for this story, mostly because I wanted to title them after the famous lines from “seventy years of sleep #4” by Nikka Ursula (“I think we deserve a soft epilogue my love.//We are good people, and we've suffered enough”), but instead I think I am going to make some art for this fic and maybe do a series of outtakes after a while if I still feel up to it. The story feels complete unto itself as it stands, and adding epilogues would just be gilding the lily at this point.

I am so very grateful for everyone who supported this fic over the last few years. I am really grateful for how this fic helped me connect to the fandom, and helped make the course of my chronic illness bearable. I am always surprised by how generous fandom can be, and I'm happy I was able to make a contribution of my own. Big thanks to @turtlewexlerapologist for being so patient with me, @chronicxlogolepsy for being here for a good portion of the development and beta work of this fic, and @lhbeauty for your endless support.

I was eager to finish this fic, and thought I was ready to be done for years at this point, but now that this is done I am actually quite sad. I will miss working on this fic, and the little world I made up with flowers and spite.

I know the way to get over the sadness of one story ending is to work on another one, but I don’t think my next long work will be in fandom. I will still be around, enjoying other people’s art and writing, and I will probably still write some short stories, but for now I’m tapped out of long stories for Harry Potter.

Thank you everyone who made the last three years of my life brighter than it would have been otherwise. It’s been a real pleasure.

[lady-divine-writes]

Good Omens - I Was Given Four Rules to Follow ... I Broke Every One: Chapter 3/3 (Rated PG13)

Summary: When Warlock Dowling is summoned to the old South Downs cottage of Aziraphale and Crowley to help clean out their attic, presumably after their deaths, he is given four rules to follow.

... He breaks every single one.

Read on AO3.

January 15th –

He opened his eyes!

He opened his eyes and looked at me!

After hours of waiting in the dark and in the cold, despairing every second and wishing I was dead myself, he opened his eyes.

But it came close to being all for naught because I almost died myself right then and there.

It was good to see him with his eyes wide open, but the golden eyes I loved so much are gone. 

These new eyes are white on white, the pupils infinitely dark, the irises torn. They stare without blinking. They look into me, into my soul, it seems. They connect to the love that runs deep within me, to every touch he has ever left on my skin, to every promise we both made. 

But they do not recognize me. 

Am I, at all, familiar to him?

I don’t want to reject him, whether he knows me or not. But those eyes unnerve me.

There’s so much about them that’s innocent and frightened.

So much about them that’s desolate and dead.

We literally spent the morning just looking at one another.

I would give anything to know what’s going on in his mind. 

What does he see when he looks at me? 

I want to reach out and touch him, but I’m afraid. I know it won’t be the same. He won’t be warm, won't be comforting. What could be worse than a dead copy of a once alive and loving creature? I don’t know. 

But whatever this is, it might be. 

He won’t smell like Crowley. He won’t have his cheek, won't have his soothing voice. It’s almost as if I adopted some wild animal and decided to make it my husband.

What have I done?

***

January 16th –

All day long, he tried to move, grunting with the effort of struggling to stand up and get out of bed. He didn’t speak words; he just groaned. I wanted to help him. I wanted to pretend that he was simply convalescing after a horrible illness. I wanted to bathe him and dress him. I wanted to sit him down in front of the television, prop up his feet, and feed him brandy and ice-cream. I wanted to put this chapter behind us and get on with our lives.

I wanted to make believe him dying had never happened.

But I’m not that good an actor.

He behaves exactly the way the old woman warned me he would. He reminds me of a child.

I never wanted children.

This is the ‘in sickness and in health’ part of the marriage package, which I agreed to without hesitation.

Never mind the ‘till death do us part’ portion.

This comes with my vows, and I will honor them.

My love will help him. I know it will.

…

Can I really do this, or am I fooling myself?

***

January 17th –

I’m trying my best to take the bad with the good.

I managed to get him to the living room sofa. His legs were stiff, and he couldn’t seem to bend his knees.

He had been declared dead-on-arrival because of the injury to his neck. But I wonder if anything else is broken. I wasn’t really paying attention to the doctor when he went over the extent of Crowley’s injuries. After I heard the word dead, I tuned out.

I should get a copy of Crowley’s hospital records.

But if his legs are broken, how will I deal with that? Will the potion magically fix everything? It brought him back to life. Could fixing broken legs be more difficult than reanimating a corpse? What is the extent of the potion's effects? Do I need a secondary potion of some kind to repair internal injuries?

Maybe I should call the shopkeeper back and ask.

We’ll cross that bridge when we come to it.

He stumbled numerous times and fell on me. I did my best not to cringe at his touch or accidentally drop him. But those eyes, so close to mine, were like looking into a nightmare. I could see through them to the veins and arteries behind, the blood inside them black and unhealthy.

The fourth time he stumbled, though, I got the feeling that maybe he was falling on purpose so that I would be forced to catch him.

I even thought I saw the shadow of a smile cross his lips.

I watched him as he sat in front of the TV and renewed his passion for The Golden Girls. That show had been one of his favorites since he was a small boy.

He sat so still. 

He didn’t swallow. 

He didn’t appear to breathe.

The only time he moved was when he looked over to where I sat, I think, to make sure I was still there.

He sat for hours and watched TV. 

There was nothing else for him to do.

I fed him salad for dinner, let him stay in front of the television instead of making him go to the dining room table. I didn’t see any reason to move him. He leaned down and sniffed the cold lettuce leaves, but he did not eat.

Neither did I.

***

January 19th –

After a full day of limping him around the house, Crowley is surprisingly steady on his feet. He can make it from the bedroom to the living room sofa by himself. It takes him a while, but he can do it.

His body is still in rigor, but he seems to be getting more comfortable with it.

I should be jumping for joy at his progress. The more mobile he becomes, the less dependent he will be on me. Every day that he improves, even a little, he is closer to becoming the man he was.

But I don’t know how comfortable I am with that anymore.

***

January 21st -

He doesn’t sleep. And now that he doesn’t rely on me to get around the house, neither do I. I know he sees me as a parent-figure, so he won’t hurt me. But he’s such an alien creature. Not like the old Crowley at all.

It’s strange having this version of him around the house.

When Crowley was

Before the accident, Crowley was so independent. He didn’t need me, didn’t need my help with anything.

But now, he needs to be near me all the time.

I understood there would be a change in our dynamic, but it’s such a striking change that it’s difficult to get used to.

I took a shower for the first time in days. I left him in the living room watching TV, but when I finished and opened the curtain, there he was, standing there … staring.

I fell asleep for about an hour afterward, and when I woke up, he was kneeling beside me, again staring at me.

He’s always staring.

What does he think about doing when he stares at me?

***

January 22nd –

I finally broke down and gave Crowley a shower. He didn’t stink, but there was something about him, something that smelled … well, I can't seem to find the words to describe it. 

I just wanted it gone.

I’ve seen the injuries to his chest numerous times, but I haven't paid much attention to his back.

When I saw them, I almost threw up.

And he noticed. 

He heard me gag. 

I gasped, held in my urge to be sick.

He turned to face me, and for the first time, he had an expression on his face different from his blank one … but also different from that smile I thought I saw when I was helping him walk around the house.

He looked hurt.

***

January 27th -

Each day that he improves, I debate telling our friends that he's here. I know they miss us terribly. But in the end, it would be too cruel. He’s not himself anymore. He never will be. Most days, I curse myself for doing this to him. My motives were selfish. I wasn’t thinking of anyone but myself when I made the decision to bring him back. 

I wasn’t even thinking of him.

Our lives are unrecognizable. We’ll never travel the world like we'd planned. Who knows if I’ll make it back to my bookshop? Should probably shut it down and have my books transported here. The way things look, the rest of our days will be spent in this cottage. 

I have to be okay with that.

But what about Crowley?

If you asked rational me if I think he wants to live this half-life, with no potential to be anything other than a human puppet, who only barely resembles the man that was Anthony J Crowley, I would have to say no. Absolutely not.

But I can’t turn back now.

What am I expected to do? Poison his tea? Smother him in his sleep?

Would attempting to kill him even work?

And what about his soul? 

If there is a Heaven, I surely pulled him out of it with my cock-eyed plan. What if there is no going back for him? 

I can only hope that my love for him is enough to keep him from hating me when he’s able to comprehend what I’ve done to him.

***

February 1st –

I’ve finally gotten him to eat – bits and pieces mostly, bites of vegetables and corners of bread. It doesn’t seem like he likes it, but he eats it, and that’s good. He eats because I tell him to. It shows that he trusts me.

He’s more self-sufficient now. 

He showers and brushes his teeth on his own. He picks out his pajamas and dresses himself. Sometimes he tries his hand at making the bed. He is attempting to be more vocal, but he has yet to say a single thing that isn’t a grunt or a moan.

I’ve been looking up the subject of speech delay on the Internet, trying to find ways to help him learn. I came across one website in particular with fun, creative ideas. I started making flashcards of consonant blends and one-syllable words. I felt so accomplished, so hopeful, like I was actually doing something positive toward the goal of moving us forward. I felt confident that after a little work with them, everything would be all right. I was so excited to show them to him, but then I realized …

… I have no idea if he can read.

***

February 3rd –

I tried calling the old woman at the antique shop in Soho to ask about the effects of the potion, but the phone has been disconnected.

I guess they went out of business after all.

It doesn’t matter. Nothing appears to be broken. Or maybe it’s that he doesn’t feel pain.

I was teaching him how to cook, hoping it would bring a bit of the old Crowley back. We used to cook together all the time. Honestly, we weren't all that good at it, but that didn't stop us from trying. We had just gotten the hang of a decent souffle before ...

Anyway ...

I started him small. 

I had him grating cheese. 

Seemed simple enough. The grater stands on its own, so not much to juggle. But he pressed too hard, ran the grater over the backs of his fingers, scraped off skin. He didn’t so much as flinch. I think it bothered me more than it bothered him. I bandaged it up and, without thinking, I kissed the wound. I looked at him in utter shock …

… and he smiled.

My heart leapt.

It’s so nice to see him smile again. 

I never thought I would.

***

February 4th –

I took off Crowley’s bandage, and his wound from the cheese grater is gone! There’s not a trace of it left!

I guess that answers that��question.

I should be relieved, but it bothers me, and I don’t know why.

***

February 21st –

Today was the most unexpectedly intense, depressing, and wonderful day all at once.

It started when Crowley woke this morning. He got up before me and tried to make me crepes. I had no idea why. He hadn't tried to cook by himself before, didn't even show an interest in cooking without me. He burned them, himself, and the stove all in one go. The fire alarm woke me, blaring in my ears. I managed to get to the extinguisher in time, but poor Crowley looked heartbroken over his ruined pan of blackened food.

Then, before lunch, he wanted to go outside. I think he was trying to sneak out, but I caught him jiggling the front doorknob (he has yet to master the bolt - thank God). When I caught him, he slammed his hand on the door in frustration and sprinted for the back one. I followed him, knowing it was locked and that he wouldn’t be able to open it. When I reached him, he was trying to wedge his way out of the old cat flap. (Note to self - board up the cat flaps! I don’t know why we kept them. We’ve never owned a cat.) 

I patted him gently on the shoulder and asked him what he needed. He stood up and groaned, moving his mouth and wiggling his tongue, making nonsensical sounds. When he couldn’t say what he needed to, he pointed out the window to the garden. I assumed he wanted to check on his dahlias. I’m a disaster with flowers, and, unfortunately, I haven’t been able to keep them up the way he could. 

Of course, it's one degree outside. The poor things are frozen solid. They're not even flowers any longer, I don't think, but the frigid remains of what they once were.

But he’d had yet to show any interest in them, either, before today. 

I shrugged, repeated that I didn’t understand. He pointed more forcefully, jabbing at the window with his index finger.

“I don’t know what you're trying to tell me, my dear,” I said. “Do you want to go for a walk?” 

I've taken him walking around Soho a few times. I've been trying to tie up loose ends, decide if selling the bookshop is the road to take. I wrapped him up in a full-length coat and scarf with just his eyes peeking out. I guess he enjoyed it, but he’d never asked to go outside. He shook his head and pointed again, this time at the dying rose bushes that I hadn’t had time to deadhead. I didn’t get it. I shook my head, and he stormed off to the bedroom.

I followed him there, but he blocked the door.

I could hear him inside, moaning. It was horrible. It sounded like pain and embarrassment and frustration, all rolled together. And I couldn’t help him.

He wouldn’t let me.

I tried to lure him out several times, but he didn’t come out till dinner time.

And when he did, he was dressed in a black Bergdorf suit.

Crowley has dozens of expensive black suits, and he looks stunning in all of them.

But this suit.

This suit in particular.

This suit had been hanging front and center in his closet.

Because it was the suit I had planned on burying him in.

It threw me for a loop, dragging me kicking and screaming back to that day I found out he had died, before I’d decided to try bringing him back, before I knew that I could. I took out the suit to air it. I guess I hadn’t put it back with the others because there it was, standing before me with the living corpse of my husband inside.

The sight took all the air out of my lungs.

“Take it off,” I said quietly, trying not to alarm him, but how was I supposed to explain to my somewhat dead husband that I didn’t want to see him dressed in the suit I had planned on putting him in the ground in?

He looked confused and shook his head, opening his mouth and groaning.

“Please, Crowley,” I begged, hoping he would hear my anguish and understand, “take it off.”

He stomped his foot and shook his head, the way a petulant child would. It should have been cute, but I couldn’t handle it. I've had issues getting used to his looks lo these many weeks, but for the first time since he came back to me, he looked dead.

“Take it off!” I screamed. I ran at him, grabbed the lapels, trying to tear it off his body. He held me, pinned my arms, and I could feel his renewed strength. I hadn’t really let him touch me before, but now I knew that if he wanted to, he could probably hurt me.

I stared up at him, realizing that he was hovering above me, and I was lying on my back on the floor. My heart stopped. He had never looked menacing before. Even in death, he seemed so innocent. But now, he looked like a monster. He had a piece of paper balled in his grasp, and he tried to make me look at it, but I couldn’t take my eyes away from his face – pale and cold and lifeless, regardless of the fact that he was my Crowley.

He stared at me, trying to speak.

It hit me like a pile of bricks.

Speak.

That’s exactly what he was doing. 

His lips were moving in exaggerated, grotesque ways that shouldn’t be able to turn sound into words, but they were.

“A … Az … Azi …”

Crowley blinked and shook his head.

“Azir …”

“Aziraphale?” I asked in awe that he was trying to say my name.

Crowley laughed. It was a glorious, hollow, frankly frightening sound, but I couldn’t help smiling when I heard it. He put his fingers to my lips. 

I guess he didn’t want me to steal his thunder.

“Azzzir-uh-phale,” he said, smacking his lips. “I … lo … I lov …” Crowley swallowed again, closing his eyes, trying to make the words in his head match the movement of his lips. “I … love … you … Azzzir-uh-phale.”

Crowley tapped again at the paper on the floor. This time I did what he wanted and looked. He had torn off the current page from the calendar and was poking at a box circled shakily in red. I peered down at it.

I could have cried.

“Our ... our anniversary?” I asked, looking into his broken eyes. He sighed, nodding.

It was our anniversary.

He’d wanted to make me breakfast in bed … for our anniversary.

He’d wanted to get me roses … for our anniversary.

My husband had wanted to do something nice for me … for our anniversary.

My husband had spent all day teaching himself how to say, “I love you, Aziraphale,” because there was nothing else he could do for me.

My husband remembered our anniversary ...

... even when I had not.

***

June 4th -

Five months-ish later…

I can’t believe it! 

I cannot believe it!

Five months later and we’ve made it! Despite the odds. Despite the difficulties and the heartaches. Despite every time I thought about giving up, here we are.

Happy.

Together.

We spend our days wrapped in each other’s arms. We watch TV. I read books out loud - he sits and listens. Crowley is re-learning how to drive, and I’m on the hunt for a new Bentley. Our lives might not be what they were before, but they’re perfect for us.

We’ve managed to go to the city more, spent a few glorious nights at our flat in Mayfair. We've even interacted with one or two of our old friends. It's a wonder what some foundation and blusher can accomplish! I told them it was a medical miracle, and they believed me.

Because that's what Crowley is.

A miracle!

Okay, maybe I am tempting fate. But maybe fate needs to be tempted from time to time! 

His vocabulary has expanded immensely, and a hint of his old suave confidence has come back, along with the muddy accent I so often teased him about.

I am finally at a point where I am optimistic about the future.

Because I’m beginning to think that there might actually be one for us.

***

August 13th –

I woke this morning to a strange squealing noise. At first, I thought it might be the smoke alarm again - odd since we got the cooking situation sorted, I thought. The longer I listened to it, the more I realized it wasn’t the smoke alarm. It didn’t sound familiar at all, so I didn’t worry too much about it. As long as an errant sheep didn’t get hit by a car, there was really no reason to jump out of bed and investigate. After a few minutes of listening to the goings-on outside, I determined that wasn’t the case, so I considered going back to sleep.

But then I noticed that Crowley wasn’t laying beside me in bed.

That isn’t too unusual. He’s normally the first one up on any given day. I just curl back into a ball holding his pillow to my chest until he returns.

He always returns.

The squealing wasn’t really that weird. I’ve thought for the last few months that we might have rats. Or squirrels. Or possums. I’ve heard that same squealing a few times before. But seeing as I can’t find any evidence of rodent-caused destruction anywhere in the house, I haven’t been too aggressive about hunting it down.

My stomach began to growl. I guessed I had been asleep for longer than I thought. Instead of returning to bed, I decided to make some waffles for breakfast. So I got up and went out into the kitchen.

That’s where I found Crowley.

He was crouching on the floor …

… covered in blood …

… biting into the spine of what used to be a raggedy old Maine coon …

I looked at him.

He looked at me.

He grinned his old, sly grin, licked his bloody lips, and said, "Hello, Aziraphale. Can I get you a cuppa tea? I know just how you like it."

He winked at me, and my heart stuttered.

…

I may have a problem.

***

Those are the last words on the page.

A page where the ink is smeared from tears, and the edges crusted in blood.

I haven’t seen Aziraphale or Crowley in decades. They used to send the occasional letter, but those stopped a while ago, and they never call. But something tells me neither of them ever left this house alive.

I’m afraid my time, too, has run out. I came to this house alone. But huddled in the darkest corner of the attic, I hear footsteps coming closer, a sour voice on the wind calling my name …

Ka-thunk …

“Warlock …”

…

Ka-thunk …

“Warlock …”

…

Ka-thunk …

“Warlock …”

…

KA-THUNK!!

***

“Warlock Dowling!” Crowley calls, barging into the attic, footsteps heavy on the worn floorboards. “Are you recording another one of those Clip-Clop thingies again?”

“It’s TikTok, Nanny,” Warlock replies, rolling his eyes, “and no. I’m reading a story for my YouTube channel.”

“Well … you done getting a costume together or wot?” Crowley asks, changing the subject, saving face that he actually understands anything Warlock just said. “Adam and his hooligans are gonna be here in a minute. Aziraphale is gonna have kittens if you’re not ready to go Tricks or Treats!”

“Yeah, yeah, yeah,” Warlock says, gathering up his camera. He loves Halloween with a passion, but he’d been eyeing this one journal in Aziraphale’s bookshop for some time now. This video he’s been putting together promises to be epic - the crowning achievement of his burgeoning story channel. Most horror story channels get their material from the Creepypasta Reddit, but he has a unique source of original material … when he can get out to Soho, that is. “I’m coming.” He pulls the lapels of the leather jacket he’s borrowing for the evening together in front to tighten it up. 

It’s slim fit as it used to be Crowley’s from back in the day, but thirteen-year-old Warlock still swims in it. 

Warlock marches to the door under Crowley’s watchful eye. Before he can make his way through, Crowley stops him, slipping a hand underneath the jacket and rescuing an extraneous prop - an antique journal.

“Have you been snoopin’ through Angel’s old manuscripts again?” Crowley asks, wiping the cover clean. “You know how he feels bout that.”

“I know,” Warlock admits sheepishly, “but my audience loves them! I get thousands of hits off his stories! Besides, I put my own twist on them, freshen them up a bit.”

“Do you now?” Crowley asks with an unamused eyebrow notched.

“Why didn't he get them published?” Warlock shifts gears before the lecturing can start. “He’s an amazing writer!”

“He had his reasons,” Crowley mumbles, flipping through the pages. After skimming a passage or two, he puts it down on a pile of similar journals, a shiver sliding down his snakey spine. “Oof! Those things’ll give you nightmares.”

“They should terrify you. He’s murdered you in every single one!”

“Ah, but he does it with love.” Crowley grins wide enough to swallow his whole face. “It’s an honor.” 

[dragon-quest-ensemble]

DQE: The Status Of Things

**Trigger Warning: Contains Sensitive Subject Matter** A Message From The Main Admin

Hello Dragon Quest fans and fiends (endearing). You’re all probably wondering why the radio silence so shortly after A Fervid Darkness was supposed to take up the reigns in my absence. And you would be right to be concerned about the status of this game.

Firstly, I’m still debilitatingly ill. If you’ve studied the weather from beginning-mid January until now you’ll find some very finicky weather patterns across the lower Eastern USA. I just unfortunately don’t have the luxury of living in a place that is better for my health and have been virtually bedbound. The laptop battery did come in, but it still needs a bit more assembly before I can use my laptop and I have no one to help me assemble it while I’m sick like this. However, progress was never supposed to come to a dead silent halt.

As some of you may remember, a certain portion of the DQ “fandom” tends to do some less than savory things towards members of this team. Please bear with me as I outline some things from 2019-present. This isn’t arbitrary, but will explain the decision I reveal at the end of this announcement.

  DQE initially began development (real development - away from planning) in 2019. Towards the end of 2019 a few of what we had assumed were extra hands on the game began targeting a specific team member. Not only was this person bullied for everything under the sun, backstabbed, etc. they were also physically and sexually harmed IRL by these “fans”. Said team member’s mental health took a nosedive and because they’re such a core person to this team, and one of my closest friends, I pulled back a lil from development because I didn’t want to continue without them. 

Throughout 2020, this behavior pattern from the “fandom” continued, with this specific member as their main target. However, sweeping back to 2018 when DQE was just a thought in our minds, their efforts were on another of the team members - this is by no means a new thing for any of us, but the severity in their attacks and the frequency and intensity of the attacks are more concentrated on this present member. In later 2020 there were still activities going down, but this member was having a few better mental health days and trying to cope…...and so I thought bringing DQE back to full swing would be possible since it’s something they really wanted to do.

And I did.

A few weeks ago, the activity amped up again. They told this member that if they were to interact with their lover (who is also a team member) that they would murder that person and send a picture of their corpse. They sent a picture of a decapitated corpse, causing this targeted member to enter into an episode of psychosis (their lover is actually unharmed). Yes, it’s that sadistic. Meanwhile, A Fervid Darkness, who has been responsible for helping some of these “fans” get put away, was also physically attacked while trying to more or less bring the others to some type of justice. 

This group is widespread and mostly anonymous, most of them coming from the Dragon Quest “fandom”. They cyberstalk and cyber terrorize, sometimes even posing as interested “fans” or new friends. They’re an insanely insidious bunch and specifically target individuals with intent. 

Why? We’re not entirely sure of why, although this member’s gender identity and mental health issues (Borderline Personality Disorder) have been the subject of some of the attacks so that at least has played a part. Their target previous to that was targeted for their sexual orientation. This included multiple “corrective rapes” to “cure the sexuality”. 

I wanted to simply try to forget about them while in the place where DQE was worked on. A sort of safe haven where my friends and I can make a game we’re passionate about and destress. 

Now, you may wonder, why say all of this?

Members of this group have sent threats to DQE workers telling them that if they continue working on the game, they’ll die. They have also sent me messages from anon and throwaway accounts saying that they will target people who play the game.   

And now, knowing a little of the history, you probably can guess where this is going.

I can’t, in good faith, continue making a game that may be exploited in some way to dox and harm its players. This is not a decision that I just threw my hands up and quit easily. I’ve been in long, long talks with A Fervid Darkness about it for a bit now. And I would rather sacrifice my dignity as a game dev than be responsible for a medium that these absolute monsters claim they’ll use…..to do to others what has been happening to my friends. A Fervid Darkness has mirrored this, in fact brought it up to me before I did to him (although I already had the thought).   

But I don’t want to NOT make a game. Instead, I proposed that we could make an offline game (still a Dragon Quest game) so that players wouldn’t “run into” this group while playing. A game that can be downloaded more or less anonymously, no usernames linked - nothing - completely anonymous, to be enjoyed. I think that will put my mind at ease. 

As for voice acting, music, etc. nothing will change really, honestly. I can plug those same characters/location types. DQE’s story and mechanics definitely will be tossed aside as a whole, because I do want to return to DQE someday when this madness is over for good. If anyone’s noticed, our twitter had snips from something called Dragon Quest: Ensemble to Eternity in it. This is a limited fanfiction I’ve been writing, shown to hand selected people, but it’s been extremely well received, and I won a monetary reward for it on a DQ server. I personally don’t like my writing, but other people seem to enjoy at least the concept of this story piece and have begged for a game version of it for years. (and I’d say no because I wanted to focus on DQE)

So I am tossing around in my idea bank that I may work Ensemble into a game format, bite by bite, section by section, and see how that goes. It already has a fanbase although its concept is a little more niche than DQE. It’s quite a darker, bit angst type story and has a complexity in its blanket concept than DQ’s stories typically have on surface. 

No matter what we decide on for a game, we still want to include those who have helped so far. Everyone’s been super patient and super wonderful and a lot of you guys send me amazing gifts and get better soon messages and that means so much to me. If you were here because the MMO appeal I totally get that, and no hard feelings if you leave on that basis. I know that a singleplayer game is miles from MMO expectations in terms of gameplay type. Feel free to return back to us later down the road when DQE may be a safer project overall. 

Again thank you so much. Also, feel free to leave love and support for member Michelle’s/Hargon (the main target in this craziness).

I’ll see you guys when we regroup, with a plan going forward from here.

[purplesurveys]

784

What's one thing you really want right now? I want mass testing in my country so that we can actually reach some fucking progress. All they made us do was stay at home for two months and now they’re starting to reopen malls and public places are starting to crowd up again - how was quarantining ourselves supposed to fix anything? Is there anything you're looking forward to? Getting my thesis ready for binding!!! Andrew and I are soooo close to wrapping it up and our adviser has just been giving us super minor edits because we’re pretty much good to go. I’ll just wait for the green light from her so I can finally heave a huge sigh of relief. Are you in love? Yes I am. Is love even existent at your age? I mean...yes? Love doesn’t always have to be romantic, and I’ve always been surrounded by it through relatives and friends. When was the last time you exercised enough to break a sweat? That would be my last PE class, which was last March. I don’t exercise outside of PE lol.

Have you been annoyed at someone/something today? Lol yep well I’m super irritable and I always get annoyed with at least one thing everyday. Today it was over how hot it’s back to being. We had one sweet day of rains and thunderstorms last week and I actually wrapped myself in a blanket and had my electric fan on low and it was the besssssst. Now we’re back to having uncomfortably humid and 42C days. Are you avoiding anybody at the moment? Yeah. Rita messaged me a reminder about a survey that we have to take within the org, but I hadn’t taken it yet. As much as I love the org, I’m so over that chapter at this point and I honestly can’t care any less about stuff they’re still making us accomplish. Is rap your favorite genre of music? No it’s not. I like some of it, but very seldom will I feel like looking up rap songs on Spotify. Have you ever used someone to get what you truly wanted? No. I don’t call it using, I call it asking for help to be able to submit stories for my journalism classes lol. There’ve been times I’ve had to tap high school classmates I haven’t talked to in a while, knowing that they will be a good source for whatever article I’m writing. It’s for acads and business is business, so over the years I’ve learned to not be chicken about it and just reach out if I need something from them. I know I would do the same and happily be interviewed if I can be a source for anything. Are you one of those people that gets jealous easily? I have my days, but generally I feel envious more often. What was your favorite show as a kid? Hi-5 when I was much younger, Spongebob when I got a little older, and Drake and Josh when I got a liiiiiiittle bit older. Do you get along with your whole family? I get along with everyone, but the least with my mom. With her, we get along just enough to not like, pull each other’s hair on a daily basis. It’s the bare minimum and I’m fine with it and I have no interest in getting closer to her. When was the last time you were sick? January 2017. What's one thing you want to tell somebody right now? “You can’t keep fucking doing that” How are you today? Partly giddy because we made final edits on our thesis today, and also partly giddy because I just learned that my mom has been asked to report to work again starting tomorrow and I cannot waaaaiiiittttttt to have a full day without her at home again after two months. Imagine not being yelled at or criticized or scowled at or judged??? Love that for me, love that for my family. Has anybody close to you passed away in the last six months? Angela’s grandmother passed away last month. I wasn’t close to her per se but she was always the first person I saw whenever I’d come over her place, and I’d ask for mano and she’d go on to ask me how my day’s been, how school’s been, so I was also crushed when I found out. Have you ever lasted a relationship longer then two months? Yes. At the moment, what's your favorite song? Hayley Williams’ Why We Ever is probably gonna be my favorite for a long time. Are you obsessed with anything? Not really. I think I’m mostly done with my fangirling/fandom years hahaha it was fun while it lasted, but I’m generally just a casual fan of the things I’m into now, like Beyoncé or Paramore or wrestling. Do you think that weed/marijuana should be legalized? I haven’t heard a single bad thing about it unless it’s coming from traditional boomer politicians in the country, so yeah why not. I heard it has medicinal purposes too, so I don’t even know why its legalization is even up for debate. I gotta be honest though and say I don’t know much about it to be any more passionate or stronger in my stance. Is it safe to walk around your neighborhood at night? Only because I live in a gated village. I wouldn’t walk along the highway just right outside. If you could visit any state/country you wanted, where would you go? Chicago, USA. If money weren't an object, what would you do with your life? ^ Go to Chicago. And proceed to travel to the other places also on my bucket list. Are you a fan of heights? I’m not a ‘fan,’ I just don’t have a phobia of it and don’t mind if I’m way up somewhere. What is the last compliment you recieved? Andrew told me I was smart. Rate your typing speed on a scale from 1 - 10? 9. I know there are much quicker typers than me, but I know I can type fast myself too. Is there an instrument you can/wish you could play? Piano and violin. Are you artistic at all? Not at all. Why do you take surveys? It’s my way of journaling and it also allows me to release tension or stress or anguish when it’s necessary. Also, very few people do it so I find it private enough that I’m able to share with people interested in reading answers, but not to the point that the audience is overwhelmingly large. Where are you? I am on the couch in our living room, which never allows me to have proper posture lol. What is your goal in life? To end up being happy with who I eventually become.

Do you enjoy tanning? I don’t really need to do this because I’m already quite tan, but sure it’s fun to sunbathe whenever I’m at the beach so I can get even darker and have an obvious fresh-off-the-beach look when I get back to the city haha. Is everything going your way right now? Obviously not. Ugh. What's one aspect of your life that you want to change? There is one glaring aspect in life that I’m sure everyone wants to have changed, but we don’t have any control over it at the moment. Do you text more then you talk on the phone? For sure. Is music a big portion of your life? Not really. I’ll have music on when I’m driving, when a favorite artist puts new material out, when I’m rewriting notes from class...but that’s it. I find music to be a bit distracting, especially when I’m writing or working. Does anybody call you 'baby'? Yes. Is there someone you want, but can't have? Nope. Have you ever broken the law? Yeah dude, just look at my hard drive and all the movies and shows I have on there lmaooooo Are you scared to grow old? I’m scared of the mounting responsibilities that are slowly making themselves known as I’m inching closer to graduating, but I’m not afraid of growth and new people and new experiences.

[percywinchester27]

The best present

Word count: 2500-ish

Summary: Sam decides to give Dean something he really deserves- a real birthday. But does it really work out?

Warnings: FEELS!! Like oh god!! Dean being an amazing brother and Sam being a little bean. Weechesters.

A/N: This is a little something I really hope you guys like. Also a birthday present to my sweet Tierra, @melonberri. (If y’all are not following her writing and art, idk what you’re doing on this site.) I love you so much, girl. A very happy birthday to you! You are precious <3

Beta’d by the lovely and amazing @deanssweetheart23. I COULDN’T have done this without you (Y’all should be following her too! Like yesterday).

Sam didn't really expect it when John called out his name because his dad was never in a mood to talk when he returned from a hunt. But today was different.

Sam had been sitting in the corner of the motel room, too engrossed in his math homework to even hear that the door had creaked open and his dad's heavy booted feet had crossed across the small foyer into the room. Sam didn't even realise when his dad had taken a seat on the small, moth eaten sofa and called out his name. Twice.

It wasn't till his name had been called out a third time, louder, that Sam flinched, immediately looking up, confused that he wasn't alone anymore.

"D-Dad?" He asked.

"I called your name thrice, son," his father answered, and Sam was surprised to see a small smile tugging at the corners of his lips. It was surprising for dad to be in the talking mood, but it was nothing short of a miracle for him to be in a good mood. Sam only stared, as John's smile grew more pronounced.

"Where's Dean?" Sam asked, looking around, wondering if he'd somehow missed his brother too, but Dean would have come straight to him, so that meant he wasn't in yet.

"He's still outside. I asked him to clean the car. That should keep him out for a while."

Sam frowned. Why was his dad making Dean work. Wouldn't he be tired?

"Come here, Sam," John said, patting the space next to him. Sam got up quickly, almost falling over the hem of the long pants he was wearing. They used to be Dean's at some point and Sam couldn't have been prouder about the fact that he got to wear them.

He managed to amble up to where John was sitting, not taking a seat next to him, but standing in front of him, body stretched taut and head held high, expecting to be told something of grave importance.

John looked at Sam's demeanor, and smiled once more.

"You know what day it is?" John asked.

"January 22," Sam answered automatically. He'd just been filling dates in his assignment book.

"And in 2 days, it's-"

"Dean's birthday!" Another automatic answer, but quicker, more excited.

"Yeah," John sighed, leaning back a little. "We never do anything special for your brother. Lord knows, he deserves more than I ever gave him."

At this point John was mostly talking to himself, musing about how he couldn't give Dean the life he should have had, but Sam still listened in rapt attention, taking in every word, because even though his father's voice was low now, Sam agreed. Dean was the best. He put up with Sam's whining and played with him even when he was tired.

So when John suggested that they get Dean a cake this year, Sam couldn't help the thrilled whelp that escaped him. He was jumping on the balls of his feet and swinging his hands around in glee, while John laughed, when Dean pushed the door open.

Sam immediately put a hand to his mouth, eyes wide, trying to control his giggle. His soft hazel eyes darting towards his father's Brownish-hazel ones, more like his own than his brothers. John's eyes seemed mischievous too, an expression Sam had never seen cross them before. For a moment it staggered him, but seeing his father attempt to curb his own smile, made Sam try a little harder.

Dean stepped lightly, despite the fact that he was dragging a heavy bag behind him. His eyes immediately flitted to the couch where Sam was standing between his dad's legs, innocent glee written all across his face. That itself was enough to bring a smile on his lips. He quietly moved towards the side of the couch and left the bag there, shuffling Sam's hair on the way.

That night, Dean couldn't sleep, mostly because of how much Sam was shifting in the bed. The kid was tossing and turning so much that Dean was tempted to get up and ask him what the hell was wrong. But the hunt had been tiring. Even though his dad hadn't really taken him along to gut the werewolf, just waiting in the car with baited breath, eyes not leaving the fringe of the forest where John had disappeared, seemed to have aged him some. Sleep seemed like an alluring aspect, if only Sam would lay still for a minute.

The bed eased up a little besides him and he felt the swoosh of fabric. Sam was sitting up in his bed. Before Dean could ask him what was wrong, Sam swung his feet over the edge and jumped on the floor lightly… which wasn't lightly enough. The floorboards creaked as Dean saw his brother slowly make way towards John's bed.

Hurt.

A split second of hurt colored Dean's thoughts when he saw Sam walking away from him, and climbing into John's bed, shaking the still form that was facing away from them. Why was Sam going to dad? Why would he not wake Dean up instead, if he was hurting, when he had been literally sleeping right next to him? Before Dean could let himself dwell on that ache, the more pressing worry about his brother's wellness overpowered him.

Was Sam sick? Was he hurting?

That fear was enough that Dean almost wrenched himself from the bed, but then he heard John grunt and turn towards them. Dean immediately closed his eyes.

"Sam?" John asked groggily. "Are you alright, son?"

"Yeah," Sam dismissed. "What cake are we getting? Chocolate?"

"What?" John questioned, confused. Which was exactly what Dean was feeling.

"The flavor, dad?" Sam pounded on his arm, impatiently. "What flavor cake are we getting for Dean?"

Oh!

They were doing it for his birthday.

"It's 2 in the night, Sam," John huffed sleepily. "We can think about it tomorrow."

"But I need to know. Can we bake one? I just don't know what flavor he likes."

"I can't bake to save our lives, kid," John stifled a yawn. "We'll go find a cake shop or something tomorrow. Go to sleep."

"Okay!" Sam whooped, not perturbed in slightest.

Dean closed his eyes tighter, hamming it up, as Sam climbed back into bed. It seemed like mere seconds had passed when snores sounded from the adjacent bed, followed by soft breathing from beside him. But yet again, Dean couldn't sleep, even though Sam was completely still now.

They wanted to celebrate his birthday? Dad wanted to celebrate his birthday? Dean couldn't believe his ears. It didn't matter if they didn't get the flavor right, it didn't even matter if they didn't get him a cake. The sheer fact that Sam was excited enough to lose sleep over it, and that dad had even considered it, had Dean's heart beating against his ribs. In the quiet of the room, broken only by the occasional weaning and waxing snores, Dean was scared that his heartbeat was too audible. Wonder? Awe? Or just happiness? Dean didn't don't know what the feeling was. It was while before his tired eyes finally gave way to some sleep.

The next morning, Sam was smiling a lot more than he usually did. He gave his portion of cheerios to Dean, drinking a little milk straight out of the carton, keeping most of it for his brother. Dean could see him sneaking around the tiny motel room with crayons and papers, smiling impishly for seemingly no reason.

It made all of last night's feelings of dissipate, to be replaced by even more contentment because Dean decided there was a better reason to be happy now, than the fact that it was his birthday tomorrow. He hadn't seen Sam this cheerful in months. That was a bigger reason to be happy, and he couldn't help smiling in response every time his eyes met with Sam's.

The day passed slowly, and Dean did his best to act clueless around Sam's blaringly obvious attempts at making Dean's birthday special. May it be him asking kids at school about bakeries, or sneaking off in the afternoon in search of it. Sam had needlessly offered a stammered explanation about where he had been, and Dean had simply nodded without giving him a hard time about it.

He was right. Sam's happiness was better than any birthday gift.

Dean was lounging on the sofa late in the evening, flipping through an old edition of a car magazine when he saw John walk in with a package. Dean knew what was in it, but with his dad, he knew better than to look. If he was bad at expressing emotions, his dad was way worse. So he ducked his head further in the magazine. Truth was, he was waiting for Sam to return from his friend's house. Waiting to see the bright grin on his face.

But Sam never showed, and before he knew it, Dean was fast asleep on the couch, the ratty magazine spread across his chest. It must have been past midnight when the shushed voices woke him.

"Where's the cake, Sam?" John asked.

"I don't know!"

"You don't know? It was right here."

"No, I don't!"

There was a pause and then a loud crash of the door, followed by the sound of water crashing into a bucket.

Dean frowned, not knowing what to do. Sam had never talked back to John, let alone in a raised, angry voice. He seemed clearly upset about the missing cake. But Dean couldn't do anything to wipe the grimace off his brother's face, not tonight anyway, because he wasn't supposed to know.

He let a couple minutes pass before yawning loudly and dragging his feet to the bed.

The clock read 12:22. Sam was still in the bathroom.

Dean stripped down to his undershirt and slid into the bed. "Night, dad."

"Night, son." John's voice was tender. It looked like he wanted to add something more, but stopped himself.

Dean smiled to himself, as he closed his eyes, a small corner of his mind was still worried about Sam. But Sam still had an entire day to arrange a new cake, he would get over it.

The next morning however came as a surprise, and not necessarily a pleasant one. Not only Sam seemed in a horrible mood, he completely avoided Dean. During breakfast, just before they left for school, Dean could see Sam stealing looks at him, but whenever he tried to hold the gaze, Sam turned away sulkily.

In fact, he walked ahead of Dean all the while and Dean couldn't understand why. When school was over, Sam was nowhere to be seen. He'd left Dean and went on ahead.

Dean reached the motel room just in time to overhear the end of an angry conversation, an echo of the one last night.

"You can't tell me this cake disappeared on its own too, Sam! If you wanted to eat both of those, you could have told me!"

"I didn't eat them, okay?" Sam yelled.

"Fine!" John shouted back, walking out of the motel room and hitting the door hard behind him. It was good that Dean had the sense to duck behind a pillar in the passage. What was supposed to be the best birthday of his life was turning into a horrid one right in front of his eyes. Monsters he could fight, but how the hell was he supposed to fight disappearing cakes.

Sam turned away from Dean the moment he stepped inside, going to sit in the small corner, besides the table. Looking at his morose form, it slowly dawned on Dean that Sam had no idea what birthdays were supposed to be like. Dad was never around for one of Sam's because it was a painful reminder of what he had lost. Sam had never known what it was like for mom to bake a cake, he didn't know how soothing it felt when she had ran her fingers through his hair, asking him to blow out the candles. Sam hadn't really ever eaten a birthday cake.

So what if he ate the cake? He was just a kid, who didn't know better. Who didn't know the first thing about celebrating a birthday.

Dean walked over to the table, crouching down before him. "Hey, Sam?"

"What?" He asked, his voice sullen.

"It's okay if I don't cut that cake, you know."

"How do you know about the cake?" Sam eyes darted towards him quickly.

"Lucky guess," Dean shrugged. "You know I won't be angry that you ate the cake right?" he asked, lightly.

"I DIDN'T eat the cake!" Sam shouted. "I don't even want to see that thing."

"What?" Dean didn't understand. Sometimes the way Sam's head worked was beyond him.

"Then where did the cakes go?"

Sam looked down, letting his hair fall into his eyes and mumbled something.

"I didn't catch that," Dean prodded.

"I threw them away," Sam muttered, hiding further into the shadows.

"Why?" Dean asked, completely baffled. The kid had been so excited about Dean's birthday and getting him a cake. What had changed so suddenly?

"Because then you would grow up! And you won't like me anymore!"

All Dean could do was stare.

Sam continued, his voice diminishing, and cheeks reddening with every word. "I went to get sharpies from Brian yesterday and he asked me why I wanted them. So I told him I wanted to make you a birthday present and that we were getting you a cake. And he said... he said...." Sam sniffled.

"What did Brian say?" Dean gritted his teeth. Brian was an uptight kid in Sam's class. Dean didn't like him one bit.

"He... He said that if we cut your cake, you’ll grow up. That cutting cakes is what makes people grow up on every birthday. And when you'll be all grown up, you won't want me around. You will go off with other older people and you won't play with me anymore."

"That punk told you I won't want you around?" Dean asked incredulous. Kids could be real mean sometimes, and this was an outstanding example.

"Yes," Sam said, all the anger finally giving way to tears as he broke down into sobs. "I don't want you to grow up, Dee. I don't want you to ever leave me."

"Come here, Sammy," Dean said, pulling Sam by his arm into a one sided hug. "I'm never gonna leave you. It's my job to look after you right? Screw what Brian said."

His throat was tight, and that was all he could say anyway. Truth was, Sam was all he had. Sam and dad. There was no way in hell he was ever going to part with Sam willingly. Sure he was nerdy, and at times an annoying little brother, but he was Dean's life. How was he going to put that into words to reassure Sam?

Luckily for him, Sam wanted to believe those words just as much as Dean wanted to express them.

"So you won't grow up?" Sam questioned timidly, and Dean laughed in spite himself, a shaky, breathless laugh.

"I can't promise that," he said. "What I can promise, is that I will never leave you, Sammy."

"Okay," Sam acquiesced quickly, but his face fell again. "But I don't have a present for you, and I threw away both the cakes."

"Hey, you know I don't like cakes anyway. How about we ask dad and go out for some pie later? And you can let me beat that kid Brian as a birthday present," Dean winked, making Sam laugh.

"So you're not angry that I threw away the cakes?"

"Of course not!" Dean patted his back. "C'mon, let's go find dad."

Sam clung to his jacket as Dean locked up the motel room, and the clutching fingers gave it away. The feeling of being wanted, the feeling of being needed was about as big a birthday present as Sam could ever give him.

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[thistexanlife]

Crossing Over.

Every October, I make a pilgrimage back to Boston. Even as most of the people I met and loved here have also since left and started new chapters in different places, even as it’s been most of a decade since I last called it home, it’s still one of my favorite traditions; it’s as much an excuse to see old great friends as one to compare how it feels now to how it felt then, to stand against the metaphorical doorframe, mark my height in the paint, and then turn around and see how much I’ve grown in the past year.

Each year, I think about the version of me that lived here, the version of me I left behind in time. I feel so close to him walking the streets of this ancient city, like we’re on two different portions of the Jeremy Bearimy timeline and for a brief moment our timelines are intersecting. I imagine the membrane between us to be thinner than ever, gauzy and easily parted, and that it would take nothing at all for me to step sideways two feet in space but a decade backward in time. So I walk these red brick sidewalks, and with each step I find myself hoping to cross over, like I’m eleven and it’s July and I’m waiting for my letter from Hogwarts, knowing it’s not coming but trying to will it into existence anyway, and I start thinking about my past here.

I think about the first time I came back when I wasn’t used to not living here. I think about the second time when I wasn’t used to being used to it. I think of each successive time, a bit less a return home and a bit more a vacation. I try to count if this is the fifth, or sixth or seventh time, but the memories mix together and I lose track.

I think about how I used to take that bus to work, how I’d wait to step outside Dunkin until I saw it coming up the street. But where did it drop me off? Maybe I took the other one. All the double digit marquees and squares that aren’t square seem a little less distinct than they used to.

I think about how that bakery is now an urgent care center. I think about how that convenience store is also now an urgent care center. I wonder if care is now needed more urgently here.

I think about a boy I kissed who lived there. A man I kissed? A man now, at least; a boy then. Maybe always a man. I think about a time in my life when I was still young enough to un-self-consciously call them boys. I realize that, at 30, maybe I’m not young enough to call them boys anymore no matter what adverbs I attach to it.

I think about the nights I walked home from bad dates and listened to Dancing On My Own or King of Anything, or the nights I walked home from good dates and listened to Teenage Dream, or the nights we stayed in and danced to Phoenix, or the entire winter when it seemed all I ever did was get too drunk and listen to We Found Love. (I still get chills every time I hear that song, and never know whether they’re emotional chills or just a physical memory of that frigid Boston January.)

I think about The Outs, the wintry and sardonic series that appeared at a wintry and sardonic time in my life, and I wonder how much of the reason it matched my life is because my life started to mirror it. “I’m just going through a slutty phase.” “Don’t say charäde.” Life imitating art imitating life. I think about when I tried to watch the O.C. as an adult and realized how much of my teenage years were the same.

I think about how I used to think I was doomed to always be a sad person, when really all I needed was a little more self-esteem and a little more vitamin D.

I think about how so many of these things that I used to love now just give me (e)motion(al) sickness, and I feel the familiar Alice in Wonderland syndrome of my childhood, the sense that all these things are six inches from my face and thousands of miles away at the same time. It’s strange to have things in your past that you look back on so fondly, that you loved so much, that you missed dearly when they ended, and realize how little you now want those things back. I start to wonder how I ever wanted this stuff. I start to wonder if I ever wanted this stuff. I didn’t even choose a lot of it, not really – the college I went to, the city I called home, the places where I worked, all of those things mostly chose me. I wonder if life is really about figuring out what I want at all, or if it’s just about figuring out how to want what I have.

Then I think: nah, that’s reductive, man. I wanted these things while I had them, and I want different things now, and that’s just life. Or maybe it’s growth. I realize this isn’t exactly a novel concept, but I’ve only ever claimed to be a good writer, not an original one.

My vision re-focuses on what’s in front of me; I’ve reached my destination, or at least my destination for now. I’m rooted, physically and temporally, in the present – it seems the curtain between us was a bit thicker than I thought, or maybe (and far more likely) our timelines never loop back and allow us to jump back and forth. Anyway, it’s easier to only have one direction to worry about moving: forward.

Clear eyes, full heart, et al,

[skabunny]

2019 - A beginning

HAPPY 2019 Adventurers!

The calendar rolled over this morning and for the first and last time ever it’s January 1st 2019. Traditionally this is the time that people use to start over. They see this as a new way to make themselves into the person they want to become. I made resolutions for a long time. Long lists of things I was going to fix about myself to love myself. The didn’t work and it always seemed like a contest to see how fast I could break every single resolution on that list. And even if I was able to keep my resolutions, I didn’t love myself any more, it really didn’t even really find that I liked myself any more. That 10 lbs I’d lose and gain and lose and gain, or the 5 books I’d read in January, but would stop reading again until I got sick or exhausted. And if you’re a long time reader here you’ll know that my writing, even with the best of intentions and the most reasonable resolutions, I’d still have huge blank spots in my writing.

2019 I’m handling differently. The last 3 years, really since my big breakup, I’ve taken things a bit differently. Mike Dooley of the organization The Universe Talks has a program called “Love Your Life in 30 Days.“ And while I don’t find the visualization and manifestation portions of the program to be helpful, the goal setting, the self focus and the meditation aspect is very helpful. Each January I set myself up with a journal, 30 minutes a day, and all the personal wisdom that I can muster. My main goals are usually the same, get better control over my finances, create more, and be better to myself. I could go through instagram and find the past references, but really, starting over is setting yourself up for better and reliving the should be a fun, not stressful part of the future.

Below are 12 goals that I am going to work on achieving this year based on the first day of the 30 days program and what I’m going to work on achieving over the next 365 days, ok for at least a month. We’ll work on the next month as we go.

Write More - This is a pretty standard goal, but with a 3 day a week blog schedule and some short stories outlined I’d really like to get some of that down on electric paper before the end of the year. With writing more also comes regular journaling and hopefully more editing projects.

Slow down - along with journaling and writing more I’m hoping to take up meditation again. 5 minutes a day of just sitting with myself in silence sounds like a good plan.

Read 27 books - This too goes with slowing down. I haven’t read enough books. I think I can say that with real clarity and honesty. I don’t think I could ever read enough, but I definitely haven’t read enough in the last 4 years. I have a to be read pile that includes some incredible thinkers and it’s time I started to really see what they have to say.

Watch 250 movies - This is a bit of a lofty goal. But again with the books, I have had some of these on my list for years and it’s time to start getting that done.

Clean Out - I have been living in a multitude of places for too long and it’s time to clean up/ clean out and get on with my life. My home base now is a bedroom and it’s time to get most of my life coordinated to that so I can stop feeling the weight of my junk in my life. This also extends to the paperwork, electronics, apps, and just all the extra stuff that goes on in my space that I haven’t been taking care of for one reason or another. I started working on this last year, but it’s gotta get done. Less junk, more space.

Working Out - At this point it’s pretty well known that I have FAI, you can read about that here if you need a reminder, and with that comes a lot of challenges in working out and fitness in general. For the next few weeks as the shots continue to do their work I need to find ways to keep my body active and to work on flexibility and stay as mobile as possible. I’d also like to work on arm strength since they are doing more work than they have ever done before.

Social media and phone free time - I work very hard to be present in my life and I try very hard to be with the people I’m with and activities I’m working on all the time. The thing is I use my phone as a crutch. It’s an anxiety ease, it’s something to do, it’s where whatever I’m reading is. I also spend a lot of time just wondering through the internet unsure of what to do next. Not only is this a huge waste of time, but it’s also not really helping the anxiety anymore. I’d like to spend less time on my phone and more time engaged in the world around me. I’d also like to find better methods to slow my brain down and to walk myself back into a healthy mindset.

COOK! - I love to cook. I like to feed my family, but also finding good healthy ways to enjoy the things that I love in ways that are not going to continue to create long term problems for my body. This means being an active participant in what I eat, when, and how it is prepared. This also means not eating out all the time and being more aware of what I can make and what I can get done.

Meet new people - In my journal I have a spot for meeting new people. I added a few last year that came into my life, but I would really like to meet people and start really going out and getting out of my box. I’ve become pretty comfortable just doing the same thing and this year I’d like to see that change a bit.

Understand my skills - I need to find a new job. I like the one I have, but I am getting to a point where I really need a grown up job. Everyone has a suggestion about what I do and how I get to something closer to where I’m supposed to be.

Complete more than 1 video game - I don’t beat video games very often and because of that I don’t own many. I’d like to experience a few new worlds and maybe try some stories I haven’t had the chance to before.

NO/ Thank You - This is something I need to work on saying. No, I need help, can you do…, I need time, I can’t do that, are all things I don’t say enough. I get sucked into other peoples nonsense and I forget to do the things that I need to do or that I need to take care of myself. This will probably always be on the list, because no matter how much I learn I never seem to actually start to say no. In the same breath I need to remember to say thank you. I’m grateful for so many things and so many opportunities. Sharing that gratitude is important and I need to remember to make that a priority.

There are a lot of things I’d like to do this year that aren’t on the goals list, but we can talk about all of those later. These 12 goals are a really good place to see what is realistic, what isn’t and where I can really grow in 2019. I turn 35 in a few months and that’s been a huge number weighing on me emotionally. It’s my hope that as I work on achieving these goals and really creating space in my life for myself that I will take some of that fear and dread from 35 and turn it into joy, or at least less fear and dread.

What are your goals this year? What do you want to accomplish, change, make better, stop doing entirely? What traditions do you have to start the new calendar year? Let me know in the comments below.

Happy 2019!

HhG

Thank you for coming to visit and for continuing to support skaBunny Makes. This is a project I work on because I love it. If you love it and want to support, please contact me at skabunny.creative@gmail.com. You should also reach out if you have a guest post you’d like me to publish or if there are topics you would like me to cover. You can find a list of projects I’m working on in the Other Projects folder and you can listen to me chatter, mostly at myself 3 days a week on Twitch - Mondays, Thursdays from 7:30 to 9:30 pm and Saturdays from 7 pm to 11:30 pm.

New blog posts will be posted on Sundays, Wednesdays, and Fridays. Some of it will be new content, new series, new images, but we’re still gonna talk about real life here. That’s not going to change. We will still cover loads of things that aren’t easy, mental health, life choices, living with your body, new families, life, changes in the world and all kinds of other things. Life is an adventure, this one is mine.

[phillipcole]

Post-AGT Appearance 968: The Last word with Lawrence O’Donnell December 7

Lawrence O’Donnell is a shameless apologist for all things Democratic.  He’s also an idiot with no sense of reality.  For a time from 2003-2005 he was on the McLaughlin Group because McLaughlin got sick of looking at Jack Germond.  Forced to actually think about things with the possibility of rebuttal he was exiled from that spot, finding a home only on MSNBC where his delusions are presented as reality.  He is now also a tired old man, kept alive mostly by the false hope Democrats can nullify the last election.  With things going slightly worse for Democrats in the midterms than they really did (a 12-vote majority in the House of Representatives coming in January) he would be bitter.  While others at MSNBC would have learned by the end of 2015 that my rhetoric is untouchable he would decide to pick a fight over other portions of my essay.  Of course he would do it Friday night in the penultimate segment of his 10 pm show.

O’Donnell: With the passing of a President you expect hyperbole like this from his George Bush’s best friend Jim Baker:

 Baker: As history will faithfully record, he became one of our nation's finest presidents, and beyond any doubt, our nation's very best one-term president.

O’Donnell: What you don’t expect is a long essay from an entertainer, usually a comic, but trying to use one-liners to analyze the whole of American history and turn the consensus of best and worst upside down, in the process, elevating not only the late George Bush but his son to great heights among our Presidents. Take a look at this from comedian Phil Cole:

PBC: Tell HW he's 15th according to the most impartial scholar alive.  Tell W he's 18th with a chance to rise.

O’Donnell: Well, first of all, this is not an impartial scholar.  He’s not a scholar at all.  I understand he got average grades.  He even admits it.

PBC: I could never get all As because I’ve got B negative blood.

O‘Donnell: He certainly struggled with biology.

PBC: Mr Schmidt kept me off the honor roll with a 79.44444444444 average.  If he’d rounded up to 79.5 he would have had to round up to 79.5 then up to 80 and B minus.  Instead he saw a chance to ruin my chances for an ivy league school.

O’Donnell: So he didn’t just do a gushing praise on the late President he decided to elevate the living George W. Bush past most Presidents of our era.  I refer specifically to what he says about Bill Clinton.  I hesitate to show this because the comments are among the most ignorant I’ve ever heard.

PBC: His whole last 6 years were spent either committing crimes or trying to get away with them.  Still Democrats love him.  To make the claim Clinton was even an average President you need to claim that 6 years of getting nothing done is good.  Sometimes it is, but that's a strange thing for Democrats to say.  They have to say the same to endorse Obama, but he had no scandals yet revealed.So the first task was to find someone besides the bottom 5 who can be ranked as worse than Clinton.The bottom 5 are the bottom 5 because of war, scandals, and economic disaster.  A few people also suffered those symptoms.

O”Donnell: I don’t have time for all the silliness of this presentation.  Phil is a humorist and some real humor in this was expected.  Since no one here at MSNBC can find anything remotely funny even to a warped mind we have to conclude he believes all this.  At least he admits that President Clinton had 8 years of prosperity.  The man he put first among all Presidents was James Monroe.  In that easiest time in US history the economy did have a blemish.  Monroe never made anyone else’s top 10 because he faced no real challenges.  What Clinton had to endure overseas and at home gives him the degree of difficulty rating Phil also uses to help people like the late President Bush move up the list.  Watch this now, about John Tyler.

PBC: He wasn't that good. The recession ended but not because of him.  No one wanted him as a nominee in 1844.  The Senate rejected his effort to fill 2 Supreme Court vacancies until his last days in office.  The one they let in was not very good but did last 27 years.   Tyler beats Clinton.

O’Donnell: You can’t follow that reasoning.  One bad Supreme Court pick that gets in at the end and no cooperation from Congress beats 2 great terms against the most hostile Congress imaginable!  Obviously he’s reaching for straws and coming to conclusions that defy the facts just because he has a grudge.  Look at this.

PBC: Fillmore is the first of the terrible trio.  He enforced the Compromise of 1850, put a good man on the Supreme Court and was dumped by his party because he had an agenda and the Whig Party didn't want one.  He wins.

O’Donnell: Need I say more?  This man’s bias is so lopsided he can’t even look at his own slanted rating system and choose the right man.  After all this foolishness he puts Clinton in 29th place, barely ahead of Ford and Carter.  This is what he said about them.

PBC: Carter ended with the hostage crisis, high inflation and unemployment.  His party controlled Congress but abandoned him.  His cabinet rebelled. Clinton wins. With Stevens his only achievement, Ford falls a bit short of 2 lesser but loyal Clinton picks.  Inflation was gaining and Congress did nothing for him.  Clinton bumps Ford behind him to finish 29th, Ford 30, Carter 31.  The sequence of the next 4 is not too important, but Cleveland 32, Pierce 33, Andrew Johnson 34 and Van Buren 35 makes sense.

O’Donnell: That’s all I have time for of this foolishness.  Phil, stick to what you do best: Corny jokes.

Cole: Was Schuyler Colfax antisocial?

O’Donnell: I’ll be right back with the last word.

[batchaoticcollectionnight-blog]

Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?

"Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.

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My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.

Auto Body Shop gives me an estimate higher than insurance settlement bus says they'll work it out?

Before I got word back from my insurance company on a settlement for a cehicle accident, I already got two estimates from two body shops. The estimates were at $5,000 .... but now ...show more""

""Grad Student Getting First 4x4: Buy/ Lease, and Insurance Cost?""

I'm going to grad school for 2 years in Utah. It'll be such a shame if I never get to explore its remote wilderness, just because I don't have a 4x4. So, I'm thinking about a Wrangler: - Lease one.. On Jeep's website, it says leasing a Brand New Sport for 24 months is less than $400/mo [$9,600 2 years] - I can buy a preowned, and the furthest I can go is $10,000. But with that price, I reckon it's gonna have lots of miles, and need some tune up crap.. Another thing is: Being out of state, I have to get my own insurance, which presumably is more expensive than extending my parents policy. I'm 23, 2 speeding tickets. Progressive gimme a ridiculous quote - $1,200 for 6 months. I wonder if it's me being underage, or my violations.. But I see some post in here, people pay 70, 80 bucks a month. How much do you pay for yours? What do yall folks think I should do..buy one or lease one? Or based on my case, do you suggest me getting other 4WD alternatives?""

Affordable dental insurance for my two year old?

I am trying to find a good dental insurance online for my son. I have came across a company called careington, but heard their discounts are never to be seen after you get things done. Does Metlife cover children? Anything helps! I'm trying to find something that isn't tricare related, he has regular tricare insurance, but takes forever for paperwork to go through, needing somethign fast and cheap...thanks.""

Who's car insurance pays for accident?

A young guy hit into the rear of my vehicle the other day. When I asked for insurance information he said he is driving his grandmothers car and he can't show me any. I don't know if he is telling the truth that it is not his car or not. He just gave me his name and phone number. At first I felt the marks were not bad but decided they should be fixed. He is hoping I don't pursue any damage claim. If this is his grandmothers car will her insurance pay for the accident or will his insurance?

What CAR Should A First Driver GET ? Also What Company For The Insurance To Be The Cheapest ?

Passed My Driving Test 2 Days Ago ! I am 22 ! what car should i get that is cheap on insurance too ? Please give me the names and for the insurance companies :)) Thanku

Best health insurance?

I am a student and my fiance and I don't have health insurance. the one offered at my school is basically for emergencies only but i am looking for one that covers dentist, eye doc., and especially dermatologist. what do you recommend...something that doesn't have a huge deductible. pricing?""

Insurance premium?

i live in California and got my license in sept 2007 then within two months of getting my car insurance(state farm) i got into a at-fault accident, my current policy runs till april 2008 and i currently pay 1022 every 6 months with a good student discount, also the damage on my car was worth 6,000 and i have a 1,000 deductible the other cars damage was worth 5,000 how much will my premium rise when it is time to renew?""

Who has the best car insurance?

Im looking for car insurance, and I need it soon. Sorry for the flood of questions, but no one is answering... And now the question- How has your insurance company been to you? Since most of the companies I've looked at have similar rates, I have the freedom to choose a company not by pricing, but by how good they actually are. I've spent hours searching reviews of all the major players, and I've seen almost exclusively horror stories about how bad the companies are once you file a claim. Geico, Allstate, and especially progressive (defended policyholders killer in court to weasel out of paying out claim), all seem to have a pretty bad reputation among their customers. Now I'm not a fool, I understand that most reviews are written by people who have been wronged. People are much less likely to write a positive review because their company has followed through, as this is what is to be expected in the first place. It is entirely possible that behind that sour review, there are several satisfied customers who didn't feel a need to review their service. If any of those people read this, please help me out with this choice. Additionally, anyone who may be in the wronged group, if you have a reason that you would not reccomendation your insurance co please let me know! Thanks for any help!""

""Decent looking vehicle, good gas mileage,low car insurance? &Where to find good car insurance rates??""

I filled out a couple quotes from esurance.com and allstate and i got like $2100 & $4100 premium 6 month payment. Does that mean its going to cost me that much for insurance for only 6 months? If so, that is insane. That would be $350-$750 dollars a month. That cannot be real. My dad gave me a quote from Allstate(thats what he has) and it was about $117.00/Mth for a Chevy Blazer for 18 Year Old First Driver. I am very new to the whole insurance thing so can someone just point me in a small direction to the lowest priced insurance with good plans. I would absolutely love to have an older car(oldsmobile, or between 60s&80s)But thats way to pricy, along with a nice sports vehicle. Because of the gas mileage and decent look, i would like a Chevy Convert Tracker. Just give me some advice if you know what im talking about. :) Thanks Much xox Brittany xox""

If I apply for life insurance through a different company will they know what I told the first company?

I have life insurance with State Farm. I quit smoking on a daily basis 2 years ago but had a cigarette and 1 hit of marijuana on June 18th of this year. I told this to the underwriters because I wanted to be completely honest. All blood work came back negative for nicotine (Cotinine) and THC. State Farm charged me the smoker's rate and said I can get it reevaluated in 1 year. My agent told me I should have lied since it was just the 1 cig. I am not happy paying the smoker's rate as I don't consider myself a smoker. I called an Allstate agent and she says I can go thru her and just say no this time when asked by the underwriters about smoking. My question is, do they have the State Farm phone interview with the underwriters stored somewhere in some database and they will know I smoked the one cigarette or will I be ok just going thru Allstate and saying no to the smoking question this time?""

Monthly motorcycle costs in Florida?

Are there any monthly costs to owning a motorcycle in Florida other than maintanence and the payments on the actual motorcycle that are mandatory? Like will my health insurance go up or anything? I know motorcycle insurance isn't required but I didn't know if like Id have to pay more for liability of others. please only answer if you are a Florida motorcycle owner. Thanks!

Integra to Mustang: how much will my car insurance go up?

I am currently insured with ING for my acura integra '1992 at $55 a month. I'm 23 years old with a clean driving record and the insurance is one-way (damages to my car in an accident are not covered, but damages to another car/property are covered) and is also protected from theft and attempted theft + vandalism. I am planning on switching to a 95 Mustang. Can I expect a small or significant jump in my insurance premium? I would apply the same coverage. (The car has an alarm system and I put on a steering wheel lock when I leave it parked.)""

Is it cheaper to get insured on your parents insurance?

Is it cheaper to get insured on your parents insurance?

How much insurance is for a sporty car?

I want an '05 ford mustang coupe but i'm probably going to have to pay for my insurance...any clue how much that would be a month?

Accident no insurance?

I was in a wreck today but it wasnt my fault my insurance is about a month late the other driver has insurance full coverage what is going to happen

How much more dose car insurance costs for teens than middle aged people and why?

How much more dose car insurance costs for teens than middle aged people and why?

What is the right affordable car insurance to purchase in NEW JERSEY?

Hi, I was looking to buy a car insurance policy. I currently have a company but wanted to drop them due to being overpriced. The only problem is that i don't have a driver license nor have i ever had one. I was able to finance a car off the lot but it wasn't for me. I brought it for my grandson. He has a driver license and is the only primary driver of the car. Being as though I never had a license most companies won't accept it and limits me from getting a cheaper policy. He is about to turn 18 next week. So is there any car insurance companies that will accept that i don't have a license and let me get a policy with him being the primary driver of the car. Thanks!!""

Has anyone here found any quality and affordable individual health insurance?

Has anyone here found any quality and affordable individual health insurance?

Cheap full coverage car insurance for an 18 year old?

Ok i got my license on 10/29/2012 and I am just now getting a car. I bought a 2000 Honda Accord EX Coupe for 4800 and I am getting it financed over a 36 month loan period time. So with that being said the credit union requires me to have full coverage auto insurance so I want to know where is the cheapest place for a teenager to get insurance. I turned 18 back in August. The lowest i have seen so far is 193/6mos and that is with StateFarm

What is term insurance? Why should I buy a term insurance product?

Many colleagues at work are talking about term insurance. After speaking to some of them I understand that a term policy will give me life cover but I don't know if I should buy a policy myself. So if someone can tell me what term insurance is and what the benefits are, I can consider a purchase.""

Where can I find Affordable Dental Insurance. I recieve coverage from my job but need more coverage?

I recieve 1000 a year form my job, and I need more work done. I have used the max, so please let me know what is the best plan for me""

Why do people keep comparing health insurance mandates to car insurance mandates?

Car insurance mandates are done at the STATE level, in accordance with the Tenth Amendment of the U.S. constitution. Yet people (the president included) continue to claim that a FEDERAL mandate to buy insurance is no different than being required to cover your car. (Completely ignoring that you have to BUY a car before you must get insurance...the govt's basically saying they own your body...insure it or be taxed) So isn't a FEDERAL mandate unconstitutional unless you plan on writing an amendment to the Constitution so that such a mandate is in accordance with the Tenth Amendment?? http://www.politico.com/news/stories/0909/27384.html The questions from ABCs George Stephanopoulos highlighted a politically dangerous new aspect of the health reform debate for Obama  as critics from Republican leaders to the U.S. Chamber of Commerce say his reform proposals amount to a middle-class tax increase. Obama promised during the campaign that Americans earning less than $250,000 a year would not see any tax increases from an Obama administration. Obama strongly denied that the mandate amounts to a tax increase  saying it was no different than requiring people to have auto insurance and charging a penalty if they dont. He also said it was important for everyone to have insurance so that people who do carry insurance dont have to shoulder the load for people who dont. The excise tax is designed as an enforcement mechanism to ensure people will carry insurance.""

How much of my 18 yr. old son's paycheck should I take from him?

My son got his first job at McDonalds. He is living at home. I want to take a percentage of his pay and put it aside for his car insurance, etc.. I can't see him just blowing his whole paycheck on junk. What percentage do you think is fair?""

18 Yeasr old with 94 ford taurus wagon. cheapest insurance??

I'm 18 and just got a 94 ford turus wagon for my first car. where do you think i should get my insurance?

How much will my speeding ticket be and is it possible for my insurance not to go up?

I got pulled over doing 96 in a 70mph speed limit. In california around King City and I want to know a couple things. How much will the ticket approximately be? Is it worth contesting? Will going to driving school make it so I don't get a point on my license? And how do I make it so my insurance does not increase?

Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.

Insurance on Rx-8 for a 29yr old male?

I'm almost 29 and I'm thinking of buying a Mazda Rx-8, the 230bhp version. I've got 2 yrs no claims and was wondering if anyone of similar age has one and if they could give me an idea of what the insurance would cost in Ireland??""

Is there a penalty for not signing up for affordable health care if disabled collecting medicare?

Now my question is am I going to be penalized for not having any insurance and only having Medicare I and my husband are on disability, because of brain tumors and seizures? it ...show more""

""Car accident, driving record & Insurance?""

If car accident happended and insurance covered the damage, but at-fault violation is kept off the driving record with help of being first offender, then will it still affect car insurance rate even if switching previous insurance company to other? Do insurance companies share their custmer drivers' information?""

Rsx type s or s2000 what cost more to insure?

I just got an 2002 acura rsx type s (clean tittle) or I have a chance to trade for Honda s2000 (salvage tittle) I am 16 fixing to be 17 and of course the car is gonna be under my dads name but i just wanna know how much its goona be since im part of the insurance

Who has the cheapest car insurance?

Who has the cheapest car insurance?

Got a speeding ticket. Will my insurance go up?

I am 28 years old. I have a clean driving record. I got a speeding ticket for 0-10 miles over. Seat belt on. Will my insurance company know I got this ticket and will they raise my rates. We have Geico. Should I take the defensive driving class and keep this ticket off my record? Or should I just pay it and go on?

How should i select PIP in car insurance...?

Hi.. I am going to take a car insurance and i am not very much clear about PIP. what is the best option to take as there are 4 PIP options given to me I have a health insurance that covers me till 80 % of the expenses. So if i take PIP option in my car insurance will it cover me the rest of the 20 %? will both the insurances work together? Please let me know. Thanks

Licence and Insurance?

im 17 years old and i have my probationary quebec licence. I am insured on the car and am able to drive it alone but with 4 points and 0 alcohol tolerance. Would i be able to drive in the USA with my licence? but i would have to get insured with an american company. any idea how much that would cost? thanks

""If minors can't sign contracts, why can they get their own car insurance?""

If minors can't legally sign contracts, then why can we get our own insurance policies? The policies are way higher in price, but in Virginia, where I live, you can legally have your own insurance policy and insurance, separate from your parents. They don't have to sign anything, they don't even have to know that you have the policy. Statefarm, Progressive, Allstate, all of them do it.""

""I need to get an insurance but not sure which is a good one,?

i am a cleaner and need to get insured for accidental damage as i work in the customers homes. thanks

Why is my car insurance so high?

About me; I'm 18 years old, no past convictions / points on my license. Passed my test as well as Pass Plus a week or so back. Car I've got; 1994 1.2 Corsa LS (5 door) --- Most of my friends have similarly old / small cars and are paying between 500 - 900 insurance. I'm keeping the car on my drive, and yet the cheapest I can find any insurance is with Direct Line (1,600) Why is my insurance nearly 3 times as expensive as theirs? :(""

Disability Insurance?

If I have disability insurance through my job and I also have independent disability insurance, will each insurance pay me the amount I am entitled too if I was to become disabled?""

Which is the Best Life Insurance?

Which is the Best Life Insurance? Less investment, good returns, life coverage, Accident Benifit""

What is a good Car insurance company comparison site?

What is a good Car insurance company comparison site?

""Cheap auto Insurance in miami, fl?""

I recently moved here and need to buy insurance for my car. Ive been searching on-line and i am overwhelmed on how expensive the rates are here in fl compared to California where i use to live. I have never had quotes in the 100's. so do u know a cheap auto insurance company here in miami, fl I have a 95 ford mustang cv""

What is the cheapest car insurance ?

for a ford mondeo 1998. Thank you.

Insurance in the state of CA?

I had two questions regarding insurance in the State of California. I was involved in an accident in which the other car was totaled, but mine ended up only with a bent control arm. Question 1: If my vehicle was hardly damaged and easily repaired by the spare control arm in the garage, do I still need to file a claim with my own insurance company? Question 2: If the police took insurance information for both parties at the scene and gave us each other's information, whose responsibility is it to provide the other party's insurance company with my own insurance information?""

Cheapest young driver car insurance?

Hi, I will be driving soon and know insurance is very expensive for young, new drivers. Does anyone know of any cheap insurance companies OR techniques of how to get cheap car insurance? Thanks.""

Second car insurance very very expensive - why? What would make it cheaper?

Hi, Me and my fiancee currently own and insure a Rover 25, V reg, 1.4 ltr, through Quinn. I'm the main driver and she's a named driver. We currently pay about 400 for tpf&t for the policy, and this has been roughly the price since we started the policy about 2 1/2 years ago. We're now looking at getting a second car as we will be working in different areas. My Grandma offered me her old Nissan Micra (1.3 ltr, K-reg) for us to have. I phoned up Quinn to get a quote for this car and they quoted 2,020!! I can't understand why it's so much more expensive, it's ridiculous! The lady I spoke to couldn't give me any adequate explanation of why it was so expensive, though she mentioned that we wouldn't be able to use a NCB on it as it would have to be an entirely new policy. But we took our first car policy with no NCB and that was a fraction of the price. Apparently the micra is called a Super-S or something, though it is not suped up or a fancy model or anything. Could that be it? We've tried a few other insurers and they also give expensive quotes (1000+) though not as ridiculous as Quinn. Any ideas why it would be so expensive? What could we change to try to make it cheaper? Change each car to have one named driver ony? Try a different car? Find a multicar insurer? I'm 31, she's 28, and we've both been driving for 2 3/4 years with no claims, points, convictions etc. Thanks.""

Will a car insurance company cover a collsion if I have a salvage title?

I purchased a vehicle which came with a clean title from an owner.I called my car ins.company and added insurance to the car then went to register it.DMV says this vehicle was in an accident and would have to be a salvaged title. My question is if my ins.company has it down as a clean title and I get into an accident,will they then find out its a salvage title? If not then how will they find out if at all? Im afraid if I tell them its salvaged now they won't insure the car then I'd be stuck with it.""

What's the best car insurance?

I'm about to get a car, it will be my first car, and I know the insurance will be more expensive because I just turned 19, but how much should I expect to pay and what is the best insurance I should get? I live in Southern California (Redondo Beach) and I have a 2006 red toyota yaris. Thanks.""

Which insurance company covers breast reduction surgery?

I currently have United Health Care and breast reduction surgery is an EXCLUSION. Has anyone had BRS and their insurance company paid for it? Which insurance company do you use?

I got pulled over in my parents car and the insurance wasn't in the vehicle?

Ok I moved out of my parents home a couple months ago and they let me borrow their car for a little while just in case of an emergency, well I asked them if I could drive to see my girlfriend and they said yes so I drive and I get pulled over for speeding and I give the officer my license, registration but my dad forgot to leave the insurance in the car! So I get a huge fine for speeding and having no proof of insurance! And I asked my dad if I was under the insurance and he said no because I don't own a car and I don't live with them so what would be the point? So what I'm trying to ask is will I be able to get the no insurance fine waived even though I'm not under the insurance my parents were just letting my borrow the car?""

19yrs old car insurance?

Im 19yrs old and I got into a bad car accident when I was 15/16 yrs old. It was my fault so I went to court and they told me if I do community service and take a drivers ed class it will be cleared. As if the accident never happened. So now I want to get my own car insurance since I don't have anyone to get it for me. Will it so show that I got into a car accident ? Do I answer yes I've been in a car accident in the last 5 years? This has been the only car accident I've had so far.

How much would it cost to rebuild my townhome ? an Insurance quote question.?

I am buying a townhome for 215K and it has a association which has insurance to covers outer part. As home owner I need H06 policy to take of interior and my personal property. I am closing next week and need to buy a home insurance and whenever I am getting quotes everyone is asking me what value you want for home replacing coverage to be. They are asking home much would it cost to rebuild my townhome, how would I know this. Here is the scenario: Its a PULTE built 2004 construction and was sold around 300K in 2004 for first owner, now since prices have come down I am getting the townhome for 215K.(3 bed, 2.5 bath,2 car garage,basement, 2 story,2000 Sft.), its in Chicago suburbs (Schaumburg IL). So how would I know how much would it cost me to rebuilt incase of a full fire damage to the home, since I own the land I can reconstruct I guess. Any approximate dollar amount as how much would it cost to rebuilt ?""

Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.

Driving without insurance?

I got pulled over for driving someone else's car in the wrong lane. He had his insurance in the glove box, but all i had was my license. I got my license less than a month ago, but dont have any insurance of my own. i got a ticket for improper lane and have to go to court. Is there a grace period for insurance or am i completely and utterly screwed? I live in Illinois btw""

How much Would car Insurance Be for me If Im 18 in California?

And have a 08 or 09 Honda Civic brand new(going to be buying a car) And going to college(since I hear most insurance Companies discount kids under 20 who are going to college) Is it really expensive? Also I hear its lower then before since economy is down.

Is it cheaper on insurance to make payments on a car or buy it straight out?

Is it cheaper on insurance to make payments on a car or buy it straight out?

""Rear ended by unlincensed driver, insurance refuses to pay?""

Hi all, I was hoping that I could get some guidance as to how I should proceed with this. Thank you in advance. The accident occurred 7 days ago in CA. I was driving home from work in the 4th lane of a 4 lane highway. There was a gap of approximately 4~5 cars in the 3rd lane, so I switched into that lane. By the time I finished the lane change, there was approximately 3~4 cars distance between me and the car behind me. I then drove for approximately a 100 yards, at which point the traffic suddenly slowed and I decelerated. The guy behind me, however, seems to have been looking elsewhere and rear ended me. However, before he collided, he managed to swerve his car and hit the corner of my rear bumper with the corner of his front bumper. We pulled over to the side of the road and exchanged information. It turns out that he does not have a driver's license (or any California/U.S. ID; he showed me a Mexican ID). He begged me not to call the police, admitted fault and said that he would settle it through his insurance (he is insured with a VERY shady place called Access General). I took pity on him, especially since it was very likely that he is an illegal immigrant, so I just took his information down and moved along. Fast forward a few days, and I find out that he has told his insurance that I cut in front of him and that he is not at fault. Since there are no witnesses or a police report, his insurance takes his side. Meanwhile, since I only have liability with Geico, they are saying that they can't help me. The damage to my car is between $4~5k, and that is not even taking into account devaluation of the car's value. I feel very cheated because I took pity on him and I am rewarded with a repair bill that nobody wants to deal with. I have called him multiple times and asked him to tell the truth, but he just ignores me. I am now very angry and want to do 2 things: 1. Get my car repaired. 2. Screw up his life. Hopefully get him deported (very strong liklihood of him being an illegal immigrant), or at the least bankrupt him. I took pity on him because he was in a time of need. All he had to do was tell the truth to his insurance, but he was afraid that his monthly bill would go up... so he lies and screws me instead. Do you have any recommendations for lawyers who would be willing to take on property damage lawsuits? What are my options?""

""How much would car insurance be if i'm 18 years old, own an audi A5?""

I live in Ontario, i never been in an accident and do not have a criminal record. i am just looking for an estimate number of how much it would cost.""

How much does it cost to insure a 2008+ kawasaki ninja 250?

im thinking of getting one to use to ride back and fourth to work on to save wear and tear on my car. the 250cc ninja's are pretty cheep and i dont go on the hwy so thats not an issue. im only 18 and have a clean record. How much do you pay for in insurance?

How much will car insurance be for me if I am under 18 and I live in California?

How much will car insurance be for me if I am under 18 and I live in California?

""If i pay CASH for a street bike [motorcycle], do i still have to get insurance?""

certainly i wont have to get full coverage since it will be paid for, but am i required to get liability, as i would with a car? if you show me a link to a website that backs up your answer, i will select you for the best answer.""

Need help with Car Insurance?

I am a 17 year old in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance, as ...show more""

How much would insurance be if i got this car?

its a 1992 toyota celica gt,i would be going under my dads insurance cause of my age and this is what he would be worried about.he has geico.im not going through drivers ed.his car is a 2004 dodge neon sxt.this is all of the info i can think of right .what would you say the insurance would be at a estimate?""

Replacement Cost Insurance vs Regular Insurance?

WHich is better I live in a area where home owner's insurance is increasing and I'm trying to get the lowest premium possible within reasonable coverage limits. I know replacement insurance is good but what is not so good about not having replacement costs.

Where can i find affordable birth control?

i'm currently on my last perscribed month of the pill estrostep. my health insurance has been cancelled because i just can't afford it, we just bought a house and we're on a very tight budget. in order to get another perscription, i need to have a gyn appointment for an exam, but a visit is $200 without insurance, then another $50 a month for the perscription. any ideas?""

How much homeowner's insurance do I need?

I am purchasing a peice of property and a modular home that is not new, it is maybe 10 years old. I am doing the whole owner finance/contract for deed deal so I am having to pay 120,000 for the place. I think it is worth less. But hey, that is what bad credit gets you. Anyway he said I would have to buy homeowners insurance and I asked how much and he said 120,000. This home itself without the land especially is not where near worth 120,000!!!! Why would I need that much? And if something happened to home would it be right for insurance company to pay 120,000 for a 10 year old modular home. May be even a little older for all I know but it is not 120,000!!!! What is the minumum that I should get? I don't have much money and never had homeowner's insurance.""

How much will it cost to insure my business?

It's a grocery delivery business. I have a few drivers. I am concerned about the following: Protecting employees while they are driving/delivering, Protecting my customers from any negligence or criminal activity done by my employees, Insuring inexpensive (about $5k each) delivery cars""

Insurance through the military?

My dad was in the USMC back during the Vietnam War and is now on 100% disability. I was approved for the Dependents' Education through the GI Bill and now I'm wondering if I can get low-cost health insurance through the military as well. I'm 18 and am his only child living at home. We live in New Hampshire and I am currently going to school full time. Like I said, he is on 100% disability through the VA and I was looking at the US Family Health Plan at Martin's Point but I'm not sure if he has to be on the plan so it would be a family plan or if I could do it as an individual plan. He is covered 100% but has to travel like 2.5 hours away to go to Togus in Augusta but I'm not sure if I would be covered in any way through any of this or if I could at least get affordable health insurance through him? Thanks for reading and thanks in advance for any of you who attempt to answer my questions! (:""

Motorcycle insurance for a 16 year old?

Hey guys im only 14 but out of curiosity I would love to know about how much a month insurance would be part time on a motorcycle for a 16 year old or 18 year old. Im looking at a yamaha r6. So give me some guesses or if you know for sure thats even better. Thanks

Can I sue my Auto Insurance Company?

In 2005, as part of our divorce agreement, my ex and I decided to keep the same auto insurance but under separate policies. We had been with this company for years. My policy was on auto pay meaning that the payments were taken directly from my account. He walked in to pay his. About 6 months after the divorce, I was pulled over for a routine traffic stop and was told I was driving an uninsured vehicle. Without insurance, my registration was also invalid. Both tickets totaled 1K. My car was taken into impound. I checked and found the officer was correct. On good terms with my ex, I told him what happened. He said for the past 6 months, each time he went in to make a payment, the girl HIS was already paid. Realizing what had happened. They were applying my payments to his automobile. I was furious. I notified the agent who initially did not want to accept blame, but since the payments were automatic and my account number was on each payment they took, they were responsible. The error was compounded by the fact that the cancellation notice went to HIS address (how dumb was that!) So I had no way of knowing that I was cancelled. I was without a car for 2 weeks and lost my job. After much haggling and many sleepless nights of wondering what to do without a job or a car, the insurance company finally admitted blame, paid the impound fees of $1,250.00. The agent also said they would handle the 2 tickets totaling 1K. FAST FORWARD TO 2010 in my state, the county did a scofflaw sweep and I was summoned to court with over 5 thousand other delinquent drivers to address unpaid tickets. The order was come to court by April 30th or be arrested. Realizing this had to be a mistake, but fearful of the law, I stood in line for over 5 hours in blazing heat, then sat in court another 5 hours waiting for my day in court. I was immediately threatened with arrest because the 2 tickets were not paid. Up to that moment, I had no idea the insurance company had not paid the 2 tickets. This time, not only was my insurance and registration cancelled, my license was suspended due to the age of the infraction (5 years). In front of the judge, I called the agents' office only to be told by the secretary that they had no intention to pay the ticket. Paying to get the car out of impound was enough. When the judge heard this she was shocked and let me off with a promise to pay in 5 days. She made me promise not to drive. With no way to get home but drive, I took a chance, and was pulled over. The officer informed me that due to the vast number of outstanding cases, tags bearing our county name would be targeted for a while (talk about a police state!). I showed him my documents from the court and headed home. This is a nightmare. Would I have a case if I filed suit against my insurance company for failing in their fiduciary responsibility to a 16 year client in good standing? By the way this company is one of the largest in the country.""

How does health insurance work?

Forgive me for being financially illiterate, but I've never had anyone to teach me these things even in school. I don't really understand how health insurance works, like, at all. I am sick, and I rely on family health insurance to pay for my treatment, which my dad pays for. But eventually I will have to pay for my own health insurance. What I've gathered from what I've read about it is that you are usually not eligible for many types of health-insurance if you have a pre-existing condition. What does this mean, though? Does that mean that because of my illness, I will not be eligible to get insurance? How do other sick people get insurance? Forgive my stupidity, no one has ever tried to teach me these things.""

Auto insurance renewal?

Hello all, My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half of what I currently am paying. I called and check and it was the same coverage. My question is that do I need to let them know that I will not renew my current auto insurance with them? This is my first time planning on switching and I would like to know if there is any penalties or anything in general I should worry about.""

What is the cheapest car insurance for an 18 year old girl with a 1993 Ford Taurus with 89000 miles?

What is the cheapest car insurance for an 18 year old girl with a 1993 Ford Taurus with 89000 miles?

My daughter gave permission to an unlicensed driver to drive my car. will me insurance co pay the damages?

she is on my policy. he hit another car. will my insurance company pay for the other persona car and mine?

How much would my insurance be?

i wanna buy a camaro or a mustang convertible and i am 17 and a guy how much u think my insurance would be?the year of the car is around 1994-2002...how much for a ford explorer (same years)or a mitsubishi eclipse?

Do I need road tax to get insurance?

My car was SORN declared and now I need insurance to get road tax. I did not keep on my insurance as it was off the road for some time. I have the MOT but do I need road tax to get insurance? Bit of a catch 22 situation!

Will my insurance rise if the accident was not my fault?

i was involved in a minor car accident which took place at a drive thru and the car in front of me reversed his car, and at the speed he had applied to the gas pedal was enough impact to smash my entire hood in and damage my front bumper. I filed a claim with my insurance as soon as I got home. The following morning the insurance company of the OTHER driver contacted me and verified that he will take full responsibility therefore my repairments will be covered by his insurance. Ive been reading online relating to my question, but in my case, will my insurance rate go up? This is also my very first accident and I've been ensured for 1 year since I've been driving.""

State auto insurance vs. state of registration?

I am currently working a temporary job away from home in another state not my permanent residence (I am living there for the term of the employment). While there I bought another vehicle and registered it in that state and when insuring it moved my other car to the policy not realizing this could cause a problem. Now on my first vehicle, which was registered in my home state, the home state has refused to renew the registration because it carries out of state insurance. However, I also don't own the first vehicle, it is owned by my parents who are a resident of my home state, I just use it and pay the insurance. So unless I am missing anything, It looks like I am basically going to be forced to register that vehicle in a state where I do not have residence or cancel my insurance policy and get insurance for only that vehicle through a provider in my home state. Is this it or are there other options? I'm confused because they let me renew last year even though I had the out of state insurance, but I had switched during that year so maybe they considered me part-time or something. I would like to avoid changing any state registrations for the time being, because this process is expensive and complicated between the two states in question. Someone told me the cheapest option might be to get a minimum liability policy on the car in my home state so they will give me registration, but I have never heard of that and I'm not sure if that is ok (having two insurance policies on the same vehicle)? I am not trying to play tricks or loophole anything here, I just want to figure out my options and get this done without costing me a lot of money or time.""

Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.

https://www.linkedin.com/pulse/affordable-insurance-watertown-ma-brian-wells/"

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"boq travel insurance quote

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Insurance for a motorcycle in Toronto.?

I am an 18 year old Torontonian planning to get a new kawasaki ninja 250R. It would be a great help if someone can give me an idea of about how much it would cost me for the insurance coverage the ninja 250r. (Both basic as well as other plans.) I don't have a license yet which i am planning to get once i figure out everything.( the cost, insurance procedure etc etc.) Here in toronto, we don't have the luxury to ride two wheelers year round because we have so called the FRIGID TEMPERATURE during the winter. Do i still have to pay insurance during the winter regardless the fact dat i won't be able to ride my ninja during the winter?""

Can i get plastic surgery without having insurance?

I'm 18 years old and my parents insurance covers me. If im paying in cash do i have to know their insurance info?

How much does it cost to insure a 1999 Audi?

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

25 yrs old and buying life insurance?

Hi guys thanks for reading my question. I am 22 yrs old and my husband just turned 25.We have been married 6 years and have 3 kids. He works in construction and my question is.. Is 25 too early to look for buying life insurance?? If not, what companies would you recommend? Im extra new to this, this will be the first time we have looked for life insurance for our family. Ashly""

Is there an oversight body for Insurance Companies?

My insurance company made a ( medical) payment decision that I don't think is fair. I'd like to know if there is any board that regulates them. Polite, constructive answers only please.""

Is car insurance fair?

Let's say you're financially stable, and a very safe driver. Is it fair to make EVERYONE pay for car insurance? Wouldn't it be more fair to have car insurance companies hold your money in case of an accident, then you get your money back if you don't get in an accident by the time you switch companies or are too old to drive? It seems like good drivers are paying for the damage done by bad drivers.""

How much is insurance for and exotic car?

like a lamborghini or ferrari or porsche?

American health insurance question?

So, whats stopping people from not getting health insurance and paying the $95 fine, but when they get sick and need insurance. They go and get insurance because they can't be denied for pre existing conditions?""

How much does the value of a car affect insurance for an adult?

I was just thinking about people with a low income that save for many years to buy an expensive car. Dont they still have really high insurance rates?

Is it true that if you buy a brand new car the car insurance will be much more than a second hand car?

Why?? I'm going to buy the very first car for me (a mazda 3 hatchpack 2006 or 2008..) and I want it to be new cause I can afford any price. But my dad keeps telling me not to buy a new car cause i won't be having good bennefits from it..such as the car insurance. It will be higher than a second hand car's...around 1000 euros every year. Also the car insurance must be full if it's a new car and I should have it on 1/3 cause its cheaper. So if it's a new car I can't have it on 1/3. What do you think I should do? I really want that car and that's why I want it to be new..cause it's the one I've always wanted!

Who has affordable health insurance for my family of 5 in virginia?

My husbands job provides insurance for $650 a month. We can't afford that at all. So looking for affordable health and dental please help we are in virginia. Thanks in advance

Where can I find salvage motorcycles directly from the insurance company?

I'm interested in purchasing cheap parts bikes directly from the insurance companies after a wreck. I am mostly interested in Harleys and I don't have any interest in these gimmicky websites where you pay a fee and there are not a lot of bikes. I've looked at ebay but these are usually bikes being sold from the person who bought it from the insurance company (ie premium). There are some public auto auctions, but these are usually only limited to dealers. But maybe that is my only choice?""

Is there a time limit or statute of limitations on car insurance claims?

I was in an accident in January. It was my fault, I was trying to avoid someone who had swerved into my lane so I got into the left lane really fast to avoid being hit at a high speed ...show more""

Can YOU explain Why we have to pay for Car Insurance EVERY YEAR even when we HAVE NOT CLAIMED on it ?

I have been driving for 40+years The Insurance company that I am with has given me a 73% Protected Policy but I still have to pay over 250 a year so since I passed my driving test my policy has been based on me not my car I have paid out in excess of 10,000 just for car insurance for myself , the cars that I buy are less than 2,000 each I think it's a rip off they are making a massive profit out of us""

Liability Car Insurance and Car Age?

I am wondering about how old a car should be to only have liability car insurance on it. Also, can you get liability on any/all cars, or just ones that are a certain age or older?""

Do you guys know of any cheap Car Insurance places in Raleigh NC ?

I am 18 yrs old i dont have my license but im trying. I need car insurance but i cant find a good place. I want something that will allow me to getright my license right away. I dont want to wait. Any ideas? ohh and i dont have my permit so im in a bad place. I NEED HELPPP PLEASE and THANK YOU!

Can someone tell me about life insurance? What is term? whole?

What company do you recommend? Anything else you can educate me on would be terrific! Thank you very much.

LA area car insurance?

My friend is letting me use her car for about a year and she wants to make sure I'm under her car insurance, too. (and I pay for my portion of car insurance for borrowing her car) She took my driver's license to have her car insurance company list me under her name. AND IT'S TAKING MORE THAN TWO WEEKS she told me that the insurance company have to contact her and let her know what's up.. but in my common sense, it only takes like ten minutes to list a person under someone's policy. Is this true because I'm not a related family member of hers or is she up to something suspicious?""

How much money will I get from this car accident?

The air bag knocked me unconscious and so now my lawyer is handling everything. I don't have health insurance so the insurance so the drivers insurance company should for it. How much money could I get from a case like this if the drivers insurance company is Progressive with full coverage?

How much does health insurance cost per month?

I'm a freshman and I'm doing a project in my career planning class. I have to make a budget to see how much I need to make from my job. I need to know how much health insurance would cost per person. I want to be an architect or art director so idk if my employer would cover some of the cost or what? I'm kinda confused on this project cause I've never had to think about this stuff.

Help deciding which sporty car or convertible?

I want a convertible or sporty car and am on a budget of $20,000. so I've got a few options that I have been considering. New Mazda Miata-I have heard great things about Miatas, the one thing I'm worried about is it maybe feeling a bit underpowered, although I am coming from a 2008 Honda civic sedan. how do those compare? Used Porsche Boxster-this would solve the potential underpowered problem of the miata, however I have heard a mixed bag of responses regarding the reliability of these, and I know that any repairs that are needed will be absurdly expensive. Used Honda S2000-this car seems great, the things that worry me are possibly a lack of low end torque, and I have never driven a manual before, and the other options can be found as automatics. Volkswagen GTI or Golf TDI-these seem like excellent cars, but the one downside is the lack of convertible top-I really like that open road feeling Mini Cooper S-This is sporty and can be a convertible, but I've heard bad things regarding reliability and parts/maintenance costs, also the interior seems to be disliked by alot of people. other pertinent info- I live in the Sacramento area, so weather problems shouldn't be as significant. How do the insurance costs compare of these 3? I'm 18 but have a clean driving record, good grades, etc Does anyone know how the fuel economy of these cars compare from experience? I know the EPA estimates, but real world mileage is different, especially because I'm an enthusiastic driver (I only get about 26mpg in my civic) One of the main things I want to know is how these will drive compared to each other and my current civic. Anyone with experience with multiple of these cars? any help or advice would be appreciated!""

Self Employed Health Insurance?

My father just quit his old job, he couldn't work there anymore (Too long commute and we lost a parent, so he had to stay closer home for the family) So now he is self employed. We are trying to find insurance that will cover him, 4 children, vision (we all wear glasses) + dental. Does anyone have any suggestions? (We live in PA)""

I am looking for a second hand HOT-HATCH for around about 1250 (not worried about insurance cost)

Which cars in this price range do you recomend. Thanks

Does voiding warranty affect my insurance. from a different company?

I'm thinking of rooting my phone but it is still under warranty and I am paying insurance for my phone using a different company. Will rooting my pg phone affect my insurance in any way?

Right now Im on my parent's car insurance policy b/c im 17 but im looking to move out soon?

Can someone please tell me how much your car insurance goes up once you are on you own plan. im paying 360 every three months now.

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boq travel insurance quote

Just curious.......How many of you have no health insurance but.......?

.......have cell phones, satellite TV, Wii's and games, smoke or drink. Since the average cost of a family plan is about $3600.00 per year, just wondering if you realized you could buy your own health insurance with the money you spend on these things. I am curious why luxuries would be more important to you than getting health insurance.""

How much would it cost a new driver in the UK for car insurance?

I am thinking of getting a 12 year old ford fiesta. I am 24 years old and I'm a new driver. How much would it cost me for car insurance?

What are typically the cheapest auto insurance company in Massachusetts?

I currently am with MetLife but they increased charges this year, so I'm looking to change the company. Any suggestions to cheaper auto insurance? Thanks!""

125CC bike insurance for 17 year old?

I will be able to learn to drive nxt year, i have ruled out buying a car, as the incredably high insurance cost would force me to sell of most of my vital organs. I think i could afford a bike, but how bad would the insurance for that be????? pls give me some kinda rough amount plsplspls thx""

What happens if someone without insurance rear-ends me?

Here's a scenario. If I have a motorcycle with no insurance. Someone hits me at the red light and they don't have insurance. And it cost $25000 in damages. Considering they don't have insurance, it means they are poor. How can I get my money?""

""Why do i pay $400 a month for car insurance, is it cause its my first car?""

Why do i pay $400 a month for car insurance, is it cause its my first car?""

Car insurance for someone who only drives 1000 miles a year.?

I drive 800 to 1000 miles a year ( just groceries shopping mostly) and have to pay the same insurance premium as someone who drives 10,000 miles a year. Allstate doesn't care if I drive anything less. I spend more on car insurance than I do on gas. Does any car insurance company give a break to people who barely do any driving?""

What insurance covers for accutane in California ?

For those who are using accutane n live in California which individual insurance do u have that covers for accutane? Thanks I appreciate it. I'm in need of accutane but can't afford it so I need an insurance that covers accutane.

Cost of Car Insurance?

I need to know what the average person pays for their car insurance. Lets say the car isn't too new... and its a new driver. Location is Lowell, MASSACHUSETTS. Help Plllllleasssse.""

Cheapest car insurance in houston tx?

hello i need to find auto insurance that i can afford, i was wondering do they have one thats under a 100 ? well can you list me places that have the cheapest auto insurance""

I just hit a car. how much will the damage cost?

I was driving out of a parking garage and took a turn too tight and my door scraped a parked car's bumper. it scraped the paint on the left side of their bumper-about the size of a football. it looks like it can be buffed out. but on the top of the scraped part there is a broken part about the length of my forearm-not broken exactly, it is a length of spiderweb-cracks in the plastic. The car is a small black one but i dont know the make. i left a note in their windshield with my number on it. i want to pay for the damage myself so my insurance doesnt go up. does anyone have an estimate on how much this will cost?""

Which car models have good insurance rates?

I'm asking this question for a friend and she's curious to know some car models with good insurance rates. Any suggestions will be greatly appreciated :)

On average how much would monthly insurance be on a 2012 rolls royce ghost?

On average how much would monthly insurance be on a 2012 rolls royce ghost?

Auto Insurance?

i need to renew my auto insurance next month i drive a Infiniti G35 and a Subaru wrx (not STI) can anyone tell me if they have ever purchased insurance for any of these vehicles and where was the cheapest i need full cov. on both. Or just anywhere its cheap, i live in central california (bakersfield) THANKS""

Where can I find affordable auto insurance with a bad driving record?

I have a bad driving record and the convictions don't come off my driving record until december 2010. I feel like I've searched everywhere for a decent rate. Does anyone know where I can find a good rate for a person who has a bad record? Or know a way around getitng insurance. My parents can't insure it for me. So that's not an option. Thanks!

Cheapest car insurance in usa?

im 18. my parents now have a plan in Geico. I was to sign in also in a plan but I think Geico is too expensive. Which car insurance company is the CHEAPEST ( Allstate, 21st etc. ) ? idk if it matters but the place of living is in Virginia.""

Getting a license increases car insurance?

When applying for a drivers license for the first time, i was wondering if it increases a person's car insurance; even if the person that is getting the license doesnt have a car, and is under the age of 18.""

How does car insurance work when making a claim?

What happens when a claim is made after an accident? If a car is written off how much does this insurance company pay? If a car is repaired by the insurance company what happens then? I guess they pay for the damage, but do they pay any extra? If the car is repaired then the value of the car will drop, therefore leaving the driver out of pocket even though the damage was not the drivers fault. How does it work? Cheers""

Will one violation make my insurance go up?

The other day I failed to see a no right turn on red sign posted above an intersection. My right turn on the red light was safe, no cars were coming, and the car in front of me did the same thing, which I copied. A police motorcycle was parked waiting down the road, expressly for watching this, and pulled over the car in front of me, myself, and the driver behind me, who did the same thing. I have a clean DMV record. The fine is $170. I could elect to go to traffic school for an additional $150 so the violation won't be on my DMV record, but with my schedule, it will be hard finding the time for this, and I think the $170 fine is bad enough. My auto insurance is my only concern. How likely is it they'll raise my premiums (2 vehicles) with only one violation on my record? Also, how long does the violation stay on my DMV record (California). Thanks!""

What kind of insurance do I need?

I know nothing about insurance and this past year I've had a few problems which I paid straight out of my pocket. Needless to say it sucked horribly, thankfully my parents were generous enough to help me :) I now need insurance and its almost March 31st. I have a bad habit of procrastinating haha. So I know NOTHING about how insurance works etc. What is Obama care? healthcare.gov? medicaid? covered california? (I live in LA) I dont need Health Care (healthcare.gov) to get insurance like Blue Cross or Anthem right? Why are people paying for healthcare PLUS whatever insurance agency they get like Blue Cross. I currently have NO income, and I havent worked for a year so no taxes lol. I know health care helps with something that involves taxes. I'd like to get insurance and I heard that Medicaid is good for people with no income, but I'm going to have a small income soon. Do I need to contact healthcare.gov or medicaid or coveredca to get insurance with Blue Cross? What do you folks recommend? HELP!!!!! What is the March 31st deadline for? Do I just need to apply by then? And is that deadline for just healthcare/medicaid/coveredca or is it for the actual insurance company like Blue Cross? I'm so confused... Btw, I'm male, 23, live in Cali, currently no income. Thanks folks! :D""

Car insurance stuff i don't understand.?

Hello everyone, I am an international student who's been in the USA (Buffalo, NY) for the past 2 years working hard on my masters (i'm 25 now). I bought a POS Saturn last year for 2000 dollars and, well, for that i needed to get car insurance since it's mandatory in this country. Since i was from abroad and i had a learner's permit at the time, i had to get insurance with my international license. Progressive was my only choice so i paid around 700$ for 6 months. That's the rate I've been paying for the last year. Unfortunately, i just don't have the money anymore to pay 700 more dollars for the next 6 months. I tried different insurance companies but they are all around the same range. Apparently, i was stupid enough to not get a credit card as soon as i landed in this country. I was raised with the if you don't have money, don't spend it philosophy so i just used my debit card. This is the only reason that i can see for these absurd rates. Every single one of my friends ( all international students ) pay around 200-250/six months dollars for their pieces of crap cars. I just feel like i'm not being given a fair deal. Not having any credit might put a penalty on me, i understand somewhat how a capitalist mind works... let's say about 100-150 more dollars for 6 months, but a whopping 500 $ ? Don't you think it's kind of messed up that first of all it's mandatory, and then there's no baseline to at least make sure that noone gets ripped off. Is there any way that a person can inquire why he is being charged so much(instead of the bs the agents tell you i.e your area is bad etc.)? Or are you at the mercy of these people?""

Insurance for a 2005 Infiniti coupe for a 16 yr old in Houston area?

I'm about to turn 16 and am starting to look at cars. Does anybody have an Infiniti coupe and how much is it to insure? I'm just north of Houston if that is a factor

Car insurance for 18 y.o. good driver Honda Civic or Honda Fit?

Car insurance for 18 y.o. good driver Honda Civic or Honda Fit? Which car will be cheaper to insure for an 18 year old male? 2009 Civic LX Sedan 2009 Fit Base Hatchback He is a very good driver and has no infractions, we live in a low crime area. Thank you! Would just like to know which would be cheaper to insure.""

Should I notify my car insurance company if I paid for the fix myself?

I had a minor car accident in a Costco parking lot last weekend. I was backing out my parking lot; the other guy was also backing out. Unfortunately, we didn't see each other... Anyway, this seems to be a 50-50 accident. The damage to the cars are moderate and we agreed on just fixing ourselves. So no personal information was exchanged. I got an estimate today. The cost for fixing my car is not cheap but still lower than the minimal requirement for accident reporting in California. It is also lower than my insurance deductible. So I plan neither to report to DMV nor to file a claim. But one friend of mine suggested that in this case, I should still notify (but not to file a claim to) my insurance company. His argument is that the other party can still come back and sue me (if he is a freak). While we didn't exchange information, the other party may have remembered my license plate number so theoretically he could find out all other information about me. But I am not sure if notifying the insurance company will affect my premiums. What do you think?""

Motorcycle provisional licence insurance costs?

Obviously, to learn to ride a motorcycle you sort of need your own bike with insurance, but roughly speaking, on an average standard bike, how much would that insurance be please? Anyone who has experience of this, I'd appreciate to here from especially! Thanks! (I've mastered the driving licence, so now I'm moving on to the bike licence, well, planning to). The bike would be no more than 120cc, with no more than an 11kW output. UK-based answers please, apparently the states makes it a lot cheaper to insure vehicles, jealous! Also, if you have any experience, please tell me when this was. (Insurance prices have gone up, again!) Thank you!""

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boq travel insurance quote

How does rbs insurance differentiate itself from it's competitors?

Hi, I'm filling out an internship form, and I'm stuck on this question.. Please help me! Thank you""

Question about car insurance?

I am about to get my first car ! but i have to wait until the guy at the car lot gives me the ok to pick it up but I was wondering about insurance do I get the car first and then get the insurance or vice versa? because what if something happens and I would get pulled over do I just say I just got the car and the insurance is about to start up? thanks in advance.

Mazda rx8 or 350z insurance ?

Id assume the 8 might have cheaper insurance to certain companies due to it having four doors lol But my question is I'm 19 and been looking at progressive and I have to pay $1200 every 6 months for one of these cars! I have a clean record and took the safety course too. Now if I was under my parent's insurance would that be possibly cheaper? Were doing that with the lexus I'm driving right now (theirs) but I need to build credit and whatnot... no need to worry bout college cause its paid off

""What is cheaper, car insurance or motorcycle insurance?""

What is cheaper, car insurance or motorcycle insurance?""

What does it take to fix a flooded car?

Last June, my town fell victim to river flooding. It's caused tons of damage and many cars to be flooded. I'm looking for a cheap car and I got on a rebuildable cars website. I found a newer car that is reasonable on gas and insurance, but is flooded. What would they have to do to fix it and about how much would it cost?""

Unfair car insurance?

My car was very old but in excellent working order. It has been written off in an accident that was not my fault. The insurance company will only pay me what it's worth, about 150. To get a reasonable second hand replacement will cost much more than this, and I cannot afford it. So I now have no car and cannot afford a replacement. Over the last few years I've paid thousands for insurance. Can the company do this, i.e not pay for an equivalent replacement, but pay what they think it's worth.""

Will my insurance agent report to my car bank that car is not covered no more.?

I'm with state farm. I been playing 190 monthly. Now they want me to pay 450 dollars. I just paid yesterday and my agent said my next due payment is due on 7th this month for 450 dollars. He said it was to be paid when I first got with state farm but I switched agents and now I am expected to pay next week. This is unfair and without fair notice. My insurance is going a cancle if not paid in weeks from now. What do I do. Is my car bank gonna find out car insurance got canceled. I was told it was 190 per month. I thought deposit was high but why 400 ?

Help with car insurance?

ok.. i just got a 1997 honda accord lx.. im 18 and a new driver.. but the car is in mine and my moms name every place we called it is over a hundred dollars just for state required ?? where is the cheapest place in shelbyville indiana.. i need car insurance and this is outrageous could anybody help me please

""Car Insurance, ammended details of profession lead to increased premium?""

My car insurance company rang me two weeks ago asking to update my details. I was previously registered as a student and unemployed but changed this to working part time as an admin assistant. A week ago I received my new certificate of insurance but today they rang me to say that my premium had increased by 150! I find this difficult to understand how changing my profession from student to admin could whack up my premium by this much. At the same time they offered me a new deal from another insurer , which they claimed would be cheaper, but I refused over the telephone as I felt too confused at the time. Now they told me that they will be sending me the bill to pay off the new increased premium. Can anyone help me confirm whether insurance companies can do this? I am not driving my car any more than I previously had and I cannot see as how my new job increases the risk of me having an accident!! Thanks""

Car insurance for LHD car ?

Hi there, I want to buy 2001-2004 year freelander (left hand drive), then drive to my country and insure it. I need insurance what would cover for two months on UK roads. Do you know any insurance company what would offer as cheap as possible and the possibility to cancel my insurance after 2 months ? Regards, Ed""

How is the mandate to buy car insurance different than the mandate to buy health insurance?

This seems to be a popular talking point among liberals. It saddens me that liberals are so partisan that they are blinded to the obviousness of the differences. So for the record, what are the two differences between the requirement to have car insurance and the requirement to have health insurance? 10 points goes to the most simplistic and straight to the point answer.""

How much does it really cost to own a Porsche 911 Carrera 4S in California? MSRP is...?

...$88,400. What other costs are there? http://www.porsche.com/usa/models/911/911-carrera-4s/ I am trying to own one of these. Just wondering what's is in store for me (i.e. tax, ...show more""

What type of car business insurance do i need?

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

Car Insurance Temporary Additional Driver???

I already have a car insurance policy with Churchill. I am doing a very long journey this weekend and want to Insure my boyfriend for 3 days to help me with the drive. Is it possible to put someone on an existing policy for 3 days?? I take it there would be a cost involved.

""I need cheap car insurance, I'm in college?""

I'm 19, a college kid and need car insurance. I now it's going to be crazy high, but if anyone has any insight or tips to make it cheaper, it would me much appreciated.""

Would it be cheaper to put my name on my parents insurance ?

would it be cheaper to put my name as an additional driver instead of my own as i got the cheapest quote as 3000 euros for my own policy would it be cheaper to put my name as an additional driver on theres? my parents have 25-28 years experience with no claims ?

Does anyone know who is the cheapest for insurance for piaggio zip 50cc scooter?

Does anyone know who is the cheapest for insurance for piaggio zip 50cc scooter?

Does the Year of your Car affect Insurance Prices?

Does the Make of Your Car Affect How Much you are Charged for Insurance? Does the Year of Your Car Affect How Much you are Charged for Insurance? Does Having 2Doors Always Rise How Much you are Charged for Insurance? No Baby Answers.

Would a speeding ticket go to the lead insured or the owner of car?

my dad is the lead insured, my mum and i are named drivers, but my mum owns the car. Who would the speeding ticket be addressed to?""

What kind of life insurance should my husband get?

We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we're trying to figure out what would best provide for the family if God forbid something were to happen to him.

How can i get cheap insurance?

Im 17 and i live in London. I just go my Licence and i have a 2k budget for a car. And my dad said he is going to pay for insurance as long as it is a max of 3k So far the cheapest quote i got was 5k for a VW Polo 1.4L Petrol. I want a diesel car because, my dad said he will pay for it. So need help deciding what car to get, and how to get insurance up to 3k Please help guys""

How come Americans can't afford medical insurance?

Yet we seem to have PLENTY of money to blow on Ipods, Itunes, Iphones, lap top computers, DVD players, flat screen TVs, designer clothing, fast food, porn, alcohol, cigarettes, and concert tickets?""

Insurance on ford focus?

i recently came across a cheap ford focus 2000 edition, and recently passed my test and just wondering what would the insurance be like? exspensive? i really like the car but i dont want it if the insurance will be a bomb""

How does american car insurance compare with british car insurance?

why can young people in the states drive nice, big, expensive cars, and in england it so expensive, and we struggle to get insured in england at a resonable price. you watch tv and they drive range rovers, and in england we drive old cars where the insurance cost more than the car. by the way i'm 18 years old anyone able to enlighten me?""

Help!!!! changing car insurance?

I called another company and had a quote with them and they offering me a way better price than my current insurance company... I wanna make a change.. what do I do? Do I have to call up the current insurance company and cancel the policy?

boq travel insurance quote

boq travel insurance quote

Teen Car Insurance Price?

Currently driving my fathers old 2002 Mitsubishi Galant (basic 4-door car, nothing special), and planning on buying a Suburu BRZ (sports car) when I turn 18. My birthday is Dec. 25, I am currently 17 and I have had my license since I turned 16. I have a B average in school and I am planning on taking defensive driving also. I have had no claims or accidents at all. The car is just going to be for commute, probably about 13-17,000 miles a year (going to be traveling home from college). I will be on my parents insurance, but I was just wondering the quote. I tried doing it on a insurance website, however they don't give you a quote if you are under 18. I am planning on getting collision coverage. Thanks in advance.""

Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""

Is Obama gonna make health insurance more affordable?

Is Obama gonna make health insurance more affordable?

""NYC Car insurance for 18 year old dude, please help.?""

Ok so heres the deal, I am 18, a guy, living in nyc and looking to buy my first car. Now my parents dont drive so Im on my own for insurance. Now Ive been shopping around to every large company and even small, and the lowest I could get a monthly payment down to was around $371 a month. That is the state minimum coverage with no collision coverage. Its gonna be used whatever I get so I dont need the collision. Now the help I need is if anyone knows any possible way to get anything cheaper, I can deal with something like $200-$250 a month. If anyone has a success story or knows any agents or brokers personally and could help, Id love to know. Now dont tell me I should go on a family member or something, thats not an option. Ive done all the research and been doing quotes 24/7. Now Im a student just trying to get to school and work safely and efficiently. I have a clean license nothing on it. Please and thank you for any help.""

""I'm 17 years old, and I'm going under my parents driver's insurance plan soon for driving, how much is it?""

My parents said I can drive now that I got a job, however I will have to go under their plan, and I'll have to pay the insurance. How much will it be? (:IMPORTANT NOTE: I took $1000 driving classes) So I'm guessing that will reduce the cost? Also I live in the state of PA and my parents are on AllState Insurance. So how much will the insurance be every month if I'm under my parents plan? AFTER I TOOK THOSE DRIVING CLASSES! And how long can I stay under my parents driving insurance? When will I NOT BE ABLE TO stay under my parents driving insurance? Or am I always able to stay under their driving insurance if I want to?""

A question about car insurance?

Does your insurance drop when you have a baby? I know it does when you get married, but I wasn't sure about having a baby. Thanks!""

""Lets be honest, will a 2000 mustang gt run a 17 year old over 150 per month on insurance?""

State or no state, tennessee. Will it run in 200's or more? Just need to know before i go looking. Don't give me your opinion, i get it has horses and can kick, im not looking for a preacher to praise down on me. thanks""

How much does car insurance cost.?

I am 18 and ready to get my drivers license but how much does car insurance cost per month on average.?

""I am 17, and I recently got my driver's license. Can I avoid being added to the insurance policy?""

Because my rates go really high, since I'm a new driver. If my cars receive minimal insurance, and they're insured under my parents' name, could I legally drive the cars and would the insurance pay for any liabilities?""

Insurance help! Tennessee?

My bf moved here from west virginia... he has to big health problems one life threatening... He needs cheap insurance but i dont know anything about insurance. hes 23. can anyone help me or know of any type of insurance??????? It would be appreciated..

Can I insure a car I don't own?

My dad bought me a car when I was 17, but its in his name. I still have that car and the insurance runs out at the end of the month. I'm tired of having him pay for things so I'm paying for my own insurance. He's going to sign the car over to me, but I will still need to get insurance on it and he probably won't transfer the title for a few more weeks. So, can I shop around for insurance rates and purchase and pay for my own insurance on the car, and include my husband as a driver, even though I don't own the car yet? Or does my dad need to transfer the title first? The problem we're running into is, I'm in Missouri, my dad is in Utah (where the car is currently registered), and I'm moving to California in 3 weeks.""

""Do professional race car drivers have life insurance and if so, how much does it cost?""

Do professional race car drivers have life insurance and if so, how much does it cost?""

Being sued by an insurance company?

Hello, I got in a car accident about two years ago and i didn't have insurance, i was found at fault and now im getting sued for $20,000 by the other driver's insurance company, The original amount was $17,000, They have been trying to collect for a longgg time now. I know i blew it off for a long time but now im ready to take responsibility and start trying to pay it. The car i was driving was under my moms name and they are trying to go after her also but i want to take full responsibility. I have to go to court next month, and im wondering if I should get a lawyer to represent me even though i'm guilty. I'm hoping that I can make a payment plan or anything I need to get my life back on track""

Graduating from college and need affordable health insurance. Suggestions Please?

I'm graduating from college in Chicago this year. My parents are kicking me off their insurance. Does anyone have any suggestions for affordable health insurance?

Average motorcycle insurance?

I'm 22 and I pay right at 100 a month for insurance. How much does a regular sports bike cost to add insurance on? I know it depends on the bike but for like a GSXR 600.

California Medical for teens?

I am 19 & i have no insurance at all and i was wondering if theres a way to get on the Medi-caid or medi-cal that the state offers to usually younge kids or pregnant women? can someone give me info?

How much do car rental agencies typically charge for insurance?

How much do car rental agencies typically charge for insurance?

What's the best car insurance company? Your experience?

I just purchased a new car and my family and I have about 4 cars currently under farmers insurance and pays way over $200 on car insurance...the dealer at the agency mentioned that he bought the same car and has 4 other cars with Nationwide and pays under $200 full coverage. In your experience and in your opinion from what you know or have experienced which insurance companys over the best service for your buck or offer great options. I think we are paying a lot and the options aren't that great. Thanks

How much for car insurance?

My mom told me to look for my first car and I found a 2002 Mitsubishi Eclipse GS, Silver, non-convertible, and i asked her if it was ok. She said that the it is considered a sports car because it is a coupe and insurance will be high, it has 2 seats in the back but it is a 2 door....can somebody tell me if insurance will actually be high for me...im 16 and ive never been a accident Thanks!""

Do I need insurance for my license?

I live in North Carolina, and I just got my license a few months ago. I don't have a car yet, but I was told that I needed insurance in order to have a license. So, I'm paying $80 a month for insurance, just for holding a license. My car savings aren't looking too good at this rate, so I was wondering if anyone knew of any cheaper insurance companies I could go with?""

Who does the cheapest 1 day car insurance?

UK

Do Car Insurance rates go up when being rear ended?

I was rear ended and it was NOT my fault. I live in California and have State Farm. Will my rates go up?

Does the insurance rate go up or more if I get my license?

Ok my mom and dad both have a car and they bought a car just for me. It already has insurance and license plate and everything. I'm planning on getting my license soon. So when I do would my dad have to pay for more money because of me driving it? I mean the insurance is on my dads name. Thx for replying.

Auto insurance rates in USA?

Auto insurance rates in USA?

What is the average insurance cost for a 2012 Chevy Cruze?

I will be turning 21 in June. No tickets or accidents on my record. What would the average monthly payment be for insurance?

boq travel insurance quote

boq travel insurance quote

https://www.linkedin.com/pulse/average-insurance-cost-mercedes-benz-arthur-berry/"

[aislingeach]

I’m at my breaking point, so I finally wrote this and gave it to my mom today with the option to share it with the rest of the house or not...

“ To All:

I can't talk to Scott because every time I've tried, he quickly gets defensive and makes matters very personal - even when they're not. The few other times we have argued about the house he has thrown my past trauma in my face, as well as the fact that mom did take me in. Then he makes it about how his life has been so terrible and that I don't understand and am inconsiderate. The facts of cleaning and helping around the house are not personal attacks and I would be asking the same things from a roommate I just met. 

I had cleaned for 4-5 hours while no one was home. So, sue me that a film was left on the counters, I must’ve not rinsed the bleach off enough – at least it was sanitary! By the time I brought my wine glasses out of my room, it was 12:30 so I planned to do them in the morning. I also left the computer and stove alone because I don't use them and after everything else in the house I was too tired. I also did not sleep, I woke at 4 and was in and out of sleep until after 8:30 and then woke again at 10:00. I came out at 10:30 which is when I politely asked Christian to pick up his stuff (I did not raise my voice and said please). Then I turned the corner to walk through a bunch of dirt and food crumbs. When I continued to the kitchen to grab the broom, there were crumbs all over in front of the toaster and some sort of yellow stuff (Egg? Butter?) spilled on the side with the toaster oven. The amount of stuff I swept off the floors that I had just done filled the dustpan. Scott and Christian had been home for 3 hours at that point and couldn't bother to wipe the counter or do a quick sweep (it literally took 5 minutes). Washing a couple dishes should take just a couple minutes, but good job on that! I was frustrated that the 4-5 hours of cleaning I did was brushed off and a mess was already building. 

Yes, there has been some improvement on Scott's part, but he only consistently does the dishes when Christian is here. And he only does the dishes. He doesn't clean the counters, dust the furniture, pick up all the tiny Lego pieces that get left all over, pick up his shoes and tobacco mess, pick up the random trash of mostly candy and food wrappers, nor does he do the floors. The last time we had this argument, his improvement on picking things up barely lasted a week. I guess no one has noticed, but I've been doing most of this (just not to the same extent that I did this week) at least once per week – even though nothing looks different within a couple days. I don't enjoy living in a constant mess. You all can say that I don't have to pick up after everyone all you want, but if I don't, it sits and sits and sits. I left whatever sugary substance had exploded all over the floor and ceiling from Christian and Riley for 5 days - and so did Scott. So, I cleaned. I am consistently tripping over Scott's and Christian's shoes in the family room and kitchen. So, I pick them up. My own room is a mess right now and I haven't filed and put away my school stuff because all my cleaning energy keeps going to the rest of the house so mom can stop yelling at me about it every day, even though it obviously doesn't make a difference. 

I am at fault for my own behavior. It was not right of me to seemingly direct any of my own stress and frustration towards Christian in the way that I did. I had asked him to pick up his stuff before I snapped and my behavior is learned - that's how mom would react when I was in high school (however, she didn’t understand how busy I was with all my AP classes – which were college level). No words were said, just reacting in anger through body language. I am truly sorry for that behavior and the way I reacted. My reaction wasn’t intentionally directed towards Christian – it was directed towards a general feeling of not being considered, of being made invisible and of being tired of constantly putting in effort and having nothing to show for it because it’s almost instantly ruined. With that said - Christian I really REALLY don't hate you. I don't know why you told grandma I don't talk to you. I talked to you the whole time you were in the pool while I was planting and I talk to you a lot about the things you like to build in the family room every week you're here. I do not hate you. If I hated you, I wouldn't ask you questions about your games and things you make and build and I wouldn’t think to get you Starbucks as well whenever I go for grandma and me. I know I'm not the most affectionate person and I'm sorry if that comes across cold and as hatred.

A lot of my behavior comes from my own frustrations with the double standard in this family. I don't appreciate excuses being made for Christian not doing what he's asked because he's an adolescent boy. That "boys will be boys" mentality is how we perpetuate a misogynistic society where boys get away with sexual harassment, assault and unequal treatment in their favor – things I am all too familiar with, as Scott likes to remind me every time we aren’t getting along. PLEASE stop that. I don’t throw your shit in your face, so please show the same respect.  

I would appreciate more responsibility and accountability. It seems that I'm constantly attacked for the little mess I might occasionally leave (i.e.  a couple dishes) while mom says nothing about a sink full and instead just does them – and yells and complains about it later to me, refusing to say anything to Scott when she’s frustrated with his mess. Scott is given every excuse because of his back, sleep apnea and lack of health. No one asks me why I'm sick all the time, or why I take Advil like it's candy, why I have no appetite, or why my insomnia has been getting progressively worse – no one gives me an excuse. I try so hard to help, but it's never enough for mom. I still get yelled at, I still get made to feel that I'm the selfish bitch she has repeatedly told me I am. And people ask why I don’t accept recognition when I’ve worked to accomplish something – I never feel deserving enough – that even when I’ve killed myself working as hard as I do, that I am not entitled to feeling accomplished.

I know this will be brought up, because it always is. I think it’s great that Scott was finally able to start contributing money to mom. However, you can’t say that $400 a month is both rent and paying her back for the enormous amount of debt she’s in paying for lawyers and anything else Scott needed. Yes, mom helped me break a lease and with my medical debt and she has provided for me my entire life (which I understand she didn’t have to). But that’s just it – it was her choice to take me in and I am so grateful, but shouldn’t be made to feel bad about it. I may not pay monthly “rent,” but I have paid her back for my medical debt. I also paid for two bee exterminations, picking up groceries when I run errands, the first day for the pool man and countless other things that arose and needed to be taken care of. As well as the $4,000 of my own money I put into fixing the Camry. And not to mention closing my entire portfolio for mom (don’t worry about paying anything else back – you can keep it). So, when you try to throw the money portion in my face – I can’t feel bad about it, I’ve done as much as I possibly can without putting mom in a lot of debt. And yes, that debt she accumulated was her choice.

 Friday morning, I woke feeling pretty good and then walked out to everyone already in a bad mood. But apparently, I wasn't allowed to be in a bad mood Saturday about the lack of consideration for all the work I had done. 

If anyone would like to talk about this, please be ready to stay calm and civil. If things start to escalate – if I start getting personally attacked, or there are too many raised voices – I will walk out. If you cannot do that, write a letter.

Come hell or high water, I will be moving out by January 1, 2018 and you will no longer have to put up with me. You will be able to go back to the “happy” family you were when I lived in Arizona and I will stay out of that picture for you.

                                                                                                                   - KMH “